How to pay and use three insurances and one gold? How to pay and use three insurances and one gold correctly? What are the characteristics of this payment and use method?

Three insurances and one gold: a comprehensive guide to payment and use

In today’s society, three insurances and one gold are very important for every worker. Three insurances and one fund include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund. So, how should they be paid and used?

First of all, let’s learn about the payment method.

The payment of endowment insurance is usually shared by units and individuals according to a certain proportion. The proportion of unit contributions is generally 16%, and the proportion of individual contributions is 8%. The specific payment base will be determined according to local regulations and personal salary level.

The payment of medical insurance is also divided into two parts: units and individuals. The unit contribution ratio is about 6% to 10%, and the individual contribution ratio is generally 2%.

Unemployment insurance, the unit contribution ratio is usually 0.5% to 1%, and the individual contribution ratio is generally 0.5%.

The proportion of housing provident fund payment is between 5% and 12%, which is also paid by units and individuals.

Let’s take a look at how they are used.

After reaching the statutory retirement age and accumulating payment for a certain number of years, you can receive a monthly pension to provide protection for your later life.

Medical insurance can be used to pay medical expenses such as outpatient service, hospitalization and drug purchase, thus reducing the medical burden.

Unemployment insurance can receive unemployment insurance benefits for a certain period of time when employment is interrupted without my will.

The housing accumulation fund is mainly used for purchasing, building and renovating self-occupied housing, or repaying the principal and interest of housing loans.

Here is a table to compare their payment and use characteristics more clearly:

Types of insurance Payment proportion (unit/individual) Main mode of use endowment insurance 16%/8% Receive a pension after retirement medical insurance 6%-10%/2% Pay medical expenses unemployment insurance 0.5%-1%/0.5% Get insurance money when you are unemployed against your will. housing accumulation fund 5%-12%/5%-12% Housing-related uses

The correct payment and use of three insurances and one gold has many characteristics.

For individuals, it provides a stable guarantee, so that you can rely on it when facing problems such as old-age care, medical care and unemployment. At the same time, the housing provident fund also helps to realize the housing dream.

For enterprises, paying three insurances and one gold according to law is helpful to attract and retain talents and enhance the competitiveness and image of enterprises.

It should be noted that local policies may be different, and the specific payment and use regulations shall be subject to local laws, regulations and policies.

In a word, understanding and correctly handling the payment and use of "three insurances and one fund" is of great significance for personal life planning and security, as well as the stable development of enterprises.

(Editor in charge: difference extension)

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

From September, these new regulations will affect your life and mine!

The Regulations on the Punishment of Managers of State-owned Enterprises shall come into force on September 1, 2024. The "Regulations" follow the definition of managers of state-owned enterprises in the implementation regulations of the supervision law. It is stipulated that the organs and units that appoint and remove the managers of state-owned enterprises shall punish the illegal managers of state-owned enterprises according to the cadre management authority. The "Regulations" regulate the types of punishment and their application. On the basis of keeping consistent with the law on administrative punishment of public officials, the types and periods of punishment for managers of state-owned enterprises are further clarified, including the following six categories: warning, 6 months; Record, 12 months; Big demerits, 18 months; Demotion and dismissal, 24 months; Expelled. The "Regulations" refine the illegal acts of managers of state-owned enterprises. The relevant illegal acts stipulated in the third chapter of the Law on Administrative Punishment of Public Officials are concretized into 51 illegal situations, and the corresponding punishments are clarified.

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It will be implemented on September 1! Regulations on the Punishment of Managers of State-owned Enterprises promulgated

The revised Regulations for the Implementation of the Law of People’s Republic of China (PRC) on Guarding State Secrets shall come into force on September 1, 2024. The "Regulations" clarify that organs and units implement the responsibility system for confidentiality work and assume the main responsibility for confidentiality work of their own organs and units. The "Regulations" strengthen the confidentiality management of network use, and stipulate that the staff of organs and units shall not use non-classified information systems and information equipment to store, process and transmit state secrets in violation of relevant regulations, and the use of intelligent terminal products shall comply with the state secrecy provisions. The "Regulations" clarify the obligation of network operators to cooperate with the investigation of confidential illegal cases and the investigation of early warning incidents.

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Li Qiang signed the the State Council Order to promulgate the revised Regulations for the Implementation of the Law of People’s Republic of China (PRC) on Guarding State Secrets.

The Regulations on the Resettlement of Retired Military Personnel shall come into force on September 1, 2024. The "Regulations" point out that ex-servicemen have made important contributions to national defense and army building and are an important force in socialist modernization. The state cares for and gives preferential treatment to ex-servicemen and ensures that ex-servicemen enjoy corresponding rights and interests according to law. The whole society should respect and give preferential treatment to ex-servicemen and support the resettlement of ex-servicemen. The "Regulations" make it clear that the state will properly resettle retired officers by means of retirement, job transfer, monthly retirement payment and demobilization; For retired non-commissioned officers, the state adopts the methods of receiving monthly retirement pension, self-employment, job arrangement, retirement and support to properly resettle them; For retired conscripts, the state adopts self-employment, job arrangement and support to properly arrange them; Retired soldiers who participated in the war, demobilized officers who served as the chief officers of divisions, brigades, regiments and battalion units of combat troops, retired soldiers who were children of martyrs and models of meritorious service, and retired soldiers who had been in active service for a long time in hard and remote areas or in special posts such as flying, ships and nuclear-related, shall be given priority in accordance with the law.

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Regulations on the Resettlement of Retired Military Personnel promulgated

The General Administration of Market Supervision issued the Interim Provisions on Network Anti-unfair Competition, which will take effect on September 1, 2024. In strengthening the protection of consumers’ rights and interests, the "Regulations" regulate the focus issues such as brushing the letter, returning favorable comments and affecting users’ choices in online consumption in China, so as to provide policy support for solving the new problems arising from the new scene and new format of online consumption. In terms of strengthening the responsibility of the platform, the Regulations urge the platform to strengthen the standardized management of the competitive behavior within the platform, and at the same time regulate the abuse of data algorithms to gain competitive advantage.

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The Interim Provisions on Anti-Unfair Competition on the Internet was promulgated to regulate the issues such as posting letters and returning favorable comments.

State Taxation Administration of The People’s Republic of China issued the Notice on Further Facilitating Taxpayers’ Cross-regional Migration to Serve the Construction of a Unified National Market, and launched a series of measures from the whole link of "optimizing pre-warning", "speeding up the handling of things" and "improving post-event services". The Notice requires that the procedures for using invoices be simplified. For taxpayers who use fully digitized electronic invoices, the information system will automatically transfer their invoice amount to the place of immigration. The "Notice" requires that if a taxpayer overpays taxes, the information system will automatically remind him to apply for tax refund. For those who choose to apply for tax refund before relocation, the tax authorities should handle it within a time limit; For those who choose not to refund the tax temporarily, the tax authorities shall guide taxpayers to apply for tax refund after migration. The "Notice" emphasizes that it is strictly forbidden to assist in blocking the normal migration of taxpayers, it is strictly forbidden to launch risk tasks in violation of regulations to block the migration of taxpayers, and it is strictly forbidden to add additional conditions to block the migration of taxpayers. The Notice will be implemented as of September 1st.

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It is strictly forbidden to add additional thresholds to hinder taxpayers’ migration! These new measures will be implemented on September 1st.

The Ministry of Finance and other six departments jointly issued the Measures for the Administration of Municipal Infrastructure Assets (Trial), which will take effect on September 1, 2024. The "Measures" propose that municipal infrastructure assets invested and built by the government should strictly follow the capital construction approval procedures according to law, implement the sources of funds, strengthen budget constraints, and guard against government debt risks. It is strictly forbidden to borrow illegally for municipal infrastructure assets with no or insufficient income, and it is not allowed to increase hidden debts.

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The Ministry of Finance and other six departments formulated and issued the Measures for the Administration of Municipal Infrastructure Assets (Trial).

The National Development and Reform Commission issued the Management Measures for Post-evaluation of Major Projects of the National Development and Reform Commission. The measures shall come into force on September 1, 2024 and shall be valid for 5 years. The post-evaluation of investment projects (excluding overseas investment and foreign investment projects) examined and approved by the National Development and Reform Commission or reported to the State Council, as well as the post-evaluation of central budget investment (national debt) projects carried out by the National Development and Reform Commission, shall be governed by the applicable measures. The projects included in the annual post-evaluation plan mainly include: projects with great support and demonstration significance for high-quality development, implementation of major national strategies, safety capacity building in key areas, construction of modern industrial system and development of new quality productivity; Projects that have a significant impact on achieving carbon neutrality, saving resources, protecting the ecological environment and promoting social development in peak carbon dioxide emissions; There are 11 categories of projects that can be used for reference in optimizing resource allocation, adjusting investment direction and optimizing major layout.

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Measures of the National Development and Reform Commission for the Administration of Post-evaluation of Major Projects

National Medical Products Administration issued the "Announcement on Issues Related to the Full Implementation of Electronic Registration of Cosmetics and New Cosmetic Materials". The Announcement makes it clear that since September 1, 2024, domestic registrants, filers, domestic responsible persons and cosmetic production enterprises of cosmetics and new cosmetic raw materials only need to submit electronic materials through the information service platform of cosmetics registration and filing, and relevant paper materials need not be submitted, and they will be filed by domestic registrants, filers, domestic responsible persons or cosmetic production enterprises themselves.

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Announcement of National Medical Products Administration on matters related to the full implementation of electronic registration and filing materials for cosmetics and new cosmetic raw materials.

The Ministry of Transport issued the Rural Road Passenger Transport Operation Service Guide (Trial), which will be implemented on September 1, 2024. The Guide proposes to encourage rural road passenger transport to implement large-scale, corporatization and intensive management. Rural road passenger transport operators need to obtain a road passenger transport business license, equip passenger vehicles that meet the operational requirements according to regulations, employ drivers and management service personnel that are suitable for the operation business, and carry out operational activities within the prescribed business scope. Rural bus passenger transport (including public transport operation) and regional operation of rural road passenger transport in principle, the implementation of government-guided price management; Reservation response to rural road passenger transport can implement market adjustment price, but the service price is not higher than twice the benchmark price of local rural bus passenger transport guidance price in principle, and the price is kept relatively stable.

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The Ministry of Transport issued the Guide to Rural Road Passenger Transport Operation Service (Trial).

National Medical Products Administration issued the Announcement on Standardizing the Classification and Definition of Medical Device Products, which will come into force on September 1, 2024. The "Announcement" stipulates that the drug supervision and administration department shall provide medical device classification and definition services to medical device registration applicants and filers. The "Announcement" further improves the application channels and processes for classification and definition. Set up the application way of newly developed medical device classification definition and the application way of medical device classification with doubtful management category, and optimize the workflow and time limit requirements. The Announcement regulates the classification and defines the requirements of application materials. Cancel the requirements of paper materials for classification and definition application, refine the requirements of application materials for classification and definition, and improve the reporting requirements of the Application Form for Classification and Definition of Medical Devices.

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Announcement of National Medical Products Administration on standardizing the classification and definition of medical device products

The Ministry of Finance, State Taxation Administration of The People’s Republic of China and other four departments jointly issued the Announcement on the relevant caliber of lottery redemption and applicable tax law. After the announcement, we will continue to implement the preferential policy of temporarily exempting individual income tax from winning lottery tickets with the income not exceeding 10,000 yuan. The "Announcement" makes it clear that the computer lottery takes all the prizes won by the same person in the same game in the same period as a winning income, that is, the open lottery takes a lottery prize as a winning income. If the prize amount exceeds 3,000 yuan, the real name information and prize information of the winner shall be registered, and the winner shall actively cooperate with the registration. The "Announcement" shall be implemented as of September 1, 2024. Lottery tickets that have been sold before September 1, 2024 and are still within the validity period of redemption but have not yet been redeemed shall be implemented in accordance with the provisions of the "Announcement".

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The four departments issued a document to improve the lottery redemption and the applicable tax law, which will be implemented on September 1.

Encourage the withdrawal of provident fund for down payment, and make it clear!

  BEIJING, Beijing, August 16 (Zhongxin Finance reporter Zuo Yukun) "In 2022, the deposit of housing provident fund reached 3,193.505 billion yuan, an increase of 277.818 billion yuan, an increase of 9.53% over the previous year." The above data were disclosed in the Annual Report of National Housing Provident Fund in 2022 jointly issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People’s Bank of China.

  The further expansion of the benefits of the housing provident fund system has also made it one of the important means of real estate market regulation. From encouraging the withdrawal of provident fund for down payment, to increasing the loan amount of provident fund and increasing the withdrawal amount of provident fund for renting houses … … At present, the housing accumulation fund system in many places is quietly changing.

  Encourage the withdrawal of provident fund as a down payment trend

  Recently, Meizhou Housing Provident Fund Management Center of Guangdong Province issued the Work Plan of Meizhou Housing Provident Fund to Support the High-quality Development of the Real Economy, and launched 23 measures in five major aspects, clearly proposing to encourage residents to buy self-occupied housing and withdraw housing provident fund as down payment.

  On August 10th, the Housing Provident Fund Management Center of Fuyang City, Anhui Province issued the Notice on Supporting the Withdrawal of Housing Provident Fund to Pay the Down Payment for House Purchase, clarifying that those who apply for housing provident fund loans for the first time to purchase self-occupied new commercial housing can apply for withdrawing the balance of the provident fund account to pay the down payment for house purchase.

  On August 4, Hainan Provincial Housing Provident Fund Administration and Hainan Provincial Department of Housing and Urban-Rural Development issued a notice, allowing Hainan to withdraw housing provident fund to pay the down payment for the purchase of new commercial housing and affordable housing in the province.

  Under the guidance of the goal of improving the purchasing ability of housing provident fund depositors, encouraging the withdrawal of provident fund for down payment has been written in many documents.

  "The principle of using the provident fund is to consume first and then withdraw. Without this policy, the provident fund can only be withdrawn after the transfer, but the down payment is basically paid at the time of transfer. Therefore, if you want to use the provident fund for the down payment, you need one more ‘ Crossing the bridge ’ Steps. " Mr. Jiang, who has been engaged in the real estate industry for many years, explained to reporters that it is not necessary to "pay first and then mention" to pay the down payment with the provident fund after the launch of the New Deal, which is equivalent to the difference between "withdrawing money before buying a house" and "buying a house before withdrawing money".

  "At present, the withdrawal of provident fund for down payment has indeed become a trend." Yan Yuejin, research director of Yiju Research Institute, believes that this policy further illustrates the linkage relationship between "provident fund withdrawal-down payment capacity boost", which is helpful to promote the rational utilization of provident fund resources to a great extent, which in turn is conducive to improving residents’ ability to purchase houses.

  In fact, in the current adjustment cycle of the property market, allowing the withdrawal of housing provident fund to pay the down payment has been practiced and expanded in many places. According to the monitoring data of the middle finger, since 2022, Fuzhou, Zhongshan, Nanjing and other places have successively issued relevant policies, and it has gradually become a consensus to revitalize and promote housing transactions with provident funds.

  Chen Wenjing, director of market research at the Central Finger Research Institute, believes that for qualified employees who purchase houses, it is allowed to withdraw the provident fund to pay the down payment for the purchase of houses, which is conducive to reducing the pressure on capital turnover in the early stage and contributing to the release of housing demand; On the other hand, for property buyers who are willing to reduce loan expenses, the withdrawal of provident fund also provides additional funds, increasing the proportion of down payment that can be paid.

  The integration of provident fund and rental housing is deeper.

  On August 14th, according to the message of "Summer Capital Xining" on WeChat WeChat official account, in order to further support families with many children to solve the housing problem and reduce the financial burden of families with many children in renting houses, Xining Housing Provident Fund Management Center has implemented new regulations, which will increase the limit of the amount of rent withdrawal for families with many children.

  On August 11th, the "Chengdu Publishing" WeChat WeChat official account posted a message, and the Chengdu Housing Provident Fund Management Center publicly solicited opinions, including that the payers of housing provident fund who meet the conditions for renting houses can authorize the Chengdu Provident Fund Center to directly transfer the withdrawal amount to the operating enterprises every month to pay the rent.

  Reflected in the rental, the adjustment of the amount and frequency of provident fund withdrawal has also penetrated into first-tier cities. On August 3rd, Shenzhen Housing and Urban-Rural Development Bureau publicly solicited opinions from the public, and proposed to raise the standard of employee housing provident fund rental quota in stages. One of them is that it is proposed to raise the housing provident fund rental withdrawal amount to 80%.

  Li Yujia, chief researcher of the Housing Policy Research Center of Guangdong Planning Institute, believes that these changes in the housing provident fund are to make it the inclusive finance in the housing field, and to support reducing the cost of renting or buying houses for residents is its core essence.

  "The original intention of the housing provident fund system was to solve the housing problem of urban residents." Zhao Xiuchi, president of capital university of economics and business Beijing-Tianjin-Hebei Real Estate Research Institute and vice-president and secretary-general of Beijing Real Estate Law Society, believes that by increasing the withdrawal quota of housing provident fund rental housing, it will help to reduce the burden on depositors to rent or buy houses, improve their ability to rent or buy houses and improve their living standards.

  "This also strongly supports the development of the rental market and is conducive to the change of residents’ concept of repurchasing light rent." Zhao Xiuchi thinks.

  The adjustment will continue to deepen.

  From the perspective of policy optimization in the field of multiple rounds of housing accumulation fund, on the basis of further supporting the rigid and improved housing demand, it is gradually reflecting the breadth and depth of policy refinement.

  According to the monitoring of the middle finger, in the first half of the year, more than 300 policies were issued in more than 100 provinces, cities and counties, and optimizing the provident fund policy is still one of the important means. The specific implementation includes policies such as increasing the amount of provident fund loans, reducing the down payment ratio of provident fund, "one person buying a house to help the whole family", supporting "business-to-public" loans, and increasing the amount of provident fund for renting houses, so as to increase the support of provident fund for buyers and improve the efficiency of provident fund use.

  On the tone of "policy for the city", some cities have chosen a more vigorous and innovative way. For example, Qingdao expanded the "mortgage transfer" business of stock houses to housing provident fund portfolio loans, and liberalized the loan type restrictions of buyers and sellers; Guiyang’s new phased housing provident fund policy will cancel the restrictions on the residence registration of foreign loans.

  From the analysis, it seems that these cities’ attempts to adjust the provident fund policy have outstanding accuracy, continuity and effectiveness, which not only plays the role of housing provident fund in supporting people’s livelihood, but also inherits the trend of easing the property market policy this year. In the short term, all localities will continue to combine the actual situation of their own provident fund use with the city’s policy. (End)

Create a happier and better life for the people (new ideas lead a new journey, red footprint)

  If you open the column,

  Since the 18th National Congress of the Communist Party of China, the General Secretary of the Supreme Leader has visited revolutionary memorial sites many times during his local investigation and research, stressing the need to learn from China’s revolutionary history, fine traditions and spirit.

  Pursuing the red footprint and realizing the initial mission. From now on, this newspaper will launch the column "New Ideas Lead a New Journey-Red Footprint", follow the red footprint of the Supreme Leader General Secretary, interview the parties, recall the events of that year, review the important exposition and the spirit of important instructions of the General Secretary, vividly review the glorious revolutionary history, excellent revolutionary tradition and great revolutionary spirit of the Red Holy Land, fully reflect the local cadres and masses to remember the entrustment of the General Secretary, vigorously carry forward the red tradition and inherit the red gene, and work hard to change the development face and create a more vivid and happy life.

  从石库门到天安门,从小小红船到巍巍巨轮,从50多名党员到9000多万名党员,中国共产党团结带领人民,创造了举世瞩目的伟大成就。

  2017年10月31日,最高领袖总书记带领中共中央政治局常委来到上海和浙江嘉兴,瞻仰上海中共一大会址和浙江嘉兴南湖红船。最高领袖总书记指出:“上海党的一大会址、嘉兴南湖红船是我们党梦想起航的地方。我们党从这里诞生,从这里出征,从这里走向全国执政。这里是我们党的根脉。”

  回望百年求索路,追随红色足迹行。翻开风云激荡的红色篇章,上海、浙江广大干部群众在历史中汲取力量,不忘初心、牢记使命、接续奋斗,不断创造更加幸福美好的生活。

  一流城市要有一流治理

  梧桐掩映着宁静道路,沿街一幢石库门建筑伫立。乌漆大门、青砖粉线,门楣拱形雕花,屋顶红旗飘扬,这里是上海中共一大会址纪念馆所在地。纪念馆留言簿上,黄宝妹老人留言:“上海是党的诞生地,上海人民很光荣,有责任把上海建设得更好。”

  Huang Baomei, a 90-year-old national model worker, always likes to take a walk in Yangpu Riverside. In 2017, 45 kilometers of shoreline public space on both sides of Huangpu River will be connected; In 2020, the 42-kilometer shoreline public space in the central city of Suzhou Creek will be connected. Shanghai will open the beautiful waterfront in the city center to public space.

  On November 2, 2019, Huang Baomei met with General Secretary of the Supreme Leader at the Party-Mass Service Station of Yangpu Binjiang Renrenwu. "I introduced to the General Secretary that I am a native of Shanghai and have witnessed the great changes in Shanghai from old China to new China to a new era. I am extremely proud of the Communist Party of China (CPC) and Socialism with Chinese characteristics."

  Huang Baomei witnessed the transformation from "industrial rust belt" to "life show belt".

  On November 2, 2019, General Secretary of the Supreme Leader who visited Shanghai came to the riverside section of Yangshupu Waterworks, a riverside public space in Yangpu District, and walked along the riverside trestle to see the scenery on both sides of the Huangpu River. During the visit, he met many citizens who were relaxing and exercising and had a cordial conversation with them. General Secretary of the Supreme Leader pointed out that cities are people’s cities and people’s cities are people. Whether it’s urban planning or urban construction, whether it’s the construction of new urban areas or the transformation of old urban areas, we should adhere to the people-centered, focus on the needs of the people, rationally arrange the production, living and ecological space, take a connotative, intensive and green high-quality development path, and strive to create a good environment that is suitable for business, living, music and travel, so as to give people more sense of gain and create a happier and better life for the people.

  Nowadays, the banks of the Huangpu River have become a paradise for ordinary people to live and work.

  Xia Juanjuan, an 85-year-old man, is busy learning calligraphy and Chinese painting at the first sub-station of Jiaxing Road Street in Hongkou District. She said, "My old age is getting better and better!"

  Grandma Xia has been here for 3 years. She is one of the old people in the day care center in the post station. Day care center is a new model of community home-based care for the aged, which is characterized by "the elderly go to nursery during the day to receive care, participate in activities and go home at night".

  On November 6, 2018, the General Secretary of the Supreme Leader walked into the first sub-station of Jiaxing Road Street in Hongkou District, and inspected the comprehensive service window, the old-age care center and the party building workstation one by one. The General Secretary of the Supreme Leader pointed out that the community is the nerve endings of the Party committee and the government to contact and serve the masses, and it is necessary to promptly perceive the worries, worries and worries of community residents and solve them one by one.

  On that day, the old people excitedly held the hand of the Supreme Leader General Secretary and told the General Secretary about their happy old age. The general secretary pointed out that China has entered an aging society, and it is our common wish to provide the elderly with a sense of security, happiness, health and longevity.

  At present, Hongkou District has set up 35 citizen stations, striving to create a "15-minute community life service circle" to "package" the livelihood needs of the elderly, such as dining, day care, medical care, cultural and sports activities, and party and mass services.

  In the Pudong New Area Urban Operation Integrated Management Center, the whole area of Pudong is clearly presented on the big screen. On November 6, 2018, the General Secretary of the Supreme Leader came here to learn about Shanghai’s refined urban management and the operation of the single window of international trade through the big screen. The general secretary pointed out that first-class cities should have first-class governance and pay attention to scientific, refined and intelligent efforts.

  Nowadays, Pudong has further expanded the intelligence and refinement of urban management and realized "unified management through one network".

  Vigorously carry forward the "red boat spirit" in combination with the characteristics of the times

  In October, 2002, he was transferred as the deputy secretary of Zhejiang Provincial Committee and the supreme leader comrade of acting governor, and made a special trip to Jiaxing Nanhu to pay tribute to the Red Boat. On the first working day after the Spring Festival in 2005, members of the theoretical learning center of Zhejiang Provincial Party Committee came to Nanhu to pay tribute to the Red Boat and held a special study meeting on educational activities to maintain the advanced nature of Communist party member.

  Comrade Supreme Leader pointed out that the pioneering spirit of pioneering the world, daring to be the first, firm ideals and indomitable spirit of struggle, and the dedication of building the Party for the public and being loyal to the people are the source of China’s revolutionary spirit and the profound connotation of the "Red Boat Spirit".

  At the southern end of Dayun exit in Jiashan County, Jiaxing City, Zhejiang Province, Shanghai-Hangzhou Expressway, there is a well-known Miaojia Village, with villas, small bridges and flowing water, and Huahai Farm.

  Miaojia Village in this scene was a poor village in Jiashan County more than 10 years ago. At one time, the collective disposable funds were less than 50,000 yuan, and the per capita annual income of farmers was less than that of 1000 yuan. Today, the village collective economic income has reached 13.8 million yuan, and the per capita disposable income of the village exceeds 50,000 yuan.

  The change originated 13 years ago. In 2008, The Politburo Standing Committee (PSC), then the Communist Party of China and Vice President of the State, conducted research and guidance in Miaojia Village.

  At that time, Chai Jinfu, the head of Jiaxing Guardian Horticulture Co., Ltd., was facing an unprecedented choice in his career: low-end facilities and flower varieties, should he change? There is a time limit for the transfer of land. Can it be done? "The supreme leader comrade came to Miaojia Village for investigation and guidance, which encouraged everyone. Thanks to the government’s support for the transfer of land to carry out moderate scale operation, we ate ‘ Reassuring pills ’ Constantly make the flower industry bigger and stronger. " Today, Chai Jinfu’s company not only doubled its benefits, but also drove more than 100 farmers around to plant flowers, helping Dayun Town become the largest production base of fresh cut flowers in the province.

  Bai Zheng, who often goes to the village clinic to take his blood pressure, said that the village has changed a lot in recent years. Now every elderly person has a pension, which is more than 2,000 yuan per month.

  Guide the "two new" organizations party member to play an active role.

  During lunch break or leisure time after work, everyone sits around and reads party constitution, learns the history of the Party, or reads newspapers and talks about their experiences. This is the daily scene of the Party-Mass Service Center in Lujiazui Financial City. The center serves 362 Party organizations and 9,337 party member in the Financial City.

  On November 6, 2018, the General Secretary of the Supreme Leader came here to learn more about the party building work carried out by the center. The General Secretary pointed out that with the diversification of economic components and employment methods, more and more party member are employed in new economic organizations and new social organizations. We should do a good job in the education management of party member and guide them to play an active role. The General Secretary hopes that Shanghai will continue to explore and take the lead in strengthening grassroots party building.

  There are 285 commercial buildings in the 31.78-square-kilometer financial city. There are more than 43,000 enterprises in these "vertical communities", with more than 500,000 employees of all kinds, and the average age is only 29.5 years old.

  "The general secretary stressed that grassroots party building should not only carry forward fine traditions, but also keep pace with the times, constantly adapt to the new situation, broaden the fields of grassroots party building, and make sure that wherever party member works and lives, the party organizations will cover it, so that party member can find an organization and find a home no matter where." Zhang Yuxiang, Party Secretary of Lujiazui Administration, recalled.

  Yuan Yefeng, secretary of the comprehensive Party Committee of Lujiazui Financial and Trade Zone, said that they pay attention to the "personality" excavation of party building work by strengthening the "youth elements" and "times elements".

  On March 19th this year, the Lujiazui Financial City Building Conference was held in Shanghai Tower, and the first batch of 39 key buildings "Building Meetings" were awarded, which unveiled the building party-mass organization alliance and the building work guidance center.

  In 2020, Lujiazui Financial City ranks first in the major development zones in Pudong in terms of economic aggregate, tax revenue and fiscal revenue growth. The tax revenue of registered enterprises is about 100 billion yuan. The number of licensed financial institutions increased by 31, the headquarters of multinational companies increased by 13, and the number of foreign-funded asset management institutions exceeded 100 for the first time.

  Not only does the party organization cover buildings, but the legislative contact point also opens to the doorstep of the people.

  Xia Yunlong, who is over eighty years old, is an information officer at the legislative contact point of Hongqiao Street. The first forum he participated in was to discuss issues related to the National Anthem Law. "I suggest that citizens all over the country should not only raise the national flag, pay attention to the ceremony, but also sing the national anthem when attending major conferences." Xia Yunlong said, "This article has been adopted! It is really that the people have a call and the law should respond. "

  In Hongqiao Street, there are 280 information workers like Xia Yunlong. With them as the main body, 10 consulting units and 8 professional talent pools as supplements, the legislative contact point has set up a "one body and two wings" working structure, which organically combines mass and professionalism.

  Hu Yu’ ang, secretary of the Party Working Committee of Hongqiao Street and director of the Working Committee of the National People’s Congress, said that as of November last year, the legislative contact point of Hongqiao Street had completed the collection of opinions on 45 laws, summarized and sorted out more than 800 suggestions, and 51 suggestions were adopted.

  People’s Daily (May 17, 2021, 01 edition)

Central bank’s RRR cut: the decline in the income of bank wealth management products is good news for the stock market.

  On January 1, 2020, the RRR cut came as scheduled, and the central bank decided to comprehensively reduce the deposit reserve ratio of financial institutions by 0.5 percentage points from January 6. The central bank said that the RRR cut will release about 800 billion yuan of long-term funds and reduce the cost of bank funds by about 15 billion yuan.

  What impact will the RRR cut have on various wealth management products? Liu Yinping, a researcher at Rong 360 Jianpu Technology Big Data Research Institute, believes that after the RRR cut, the market liquidity will be further relaxed and the price of funds will drop, resulting in a decline in the yield of fixed-income products; However, the RRR cut will be beneficial to some equity assets, and the income of fixed-income products will decline, and some funds will flow to equity assets, thus prompting asset prices to rise.

  interpret

  Impact 1

  Bank deposit interest rates will fall, and small banks may last for a long time.

  Since 2019, the central bank has been guiding the interest rate in the loan market to fall, thus solving the problem of financing difficulties for small and micro enterprises. At present, the interest rates of various types of deposits in banks are at a high level. In order to avoid narrowing the deposit-loan spreads, banks will lower the interest rates of various deposit products, including time deposits, large deposit certificates and structured deposits.

  Liu Yinping pointed out that different types of banks have different capital pressures, and the progress and extent of interest rate reduction will be different. Large and medium-sized banks may take the lead in lowering the deposit interest rate, while small banks have great difficulty in raising deposits, and the reduction of deposit interest rate may be one step behind.

  Impact 2

  The average yield of bank wealth management will fall below 4% again.

  Since last year, the bank’s wealth management yield has continued to fall, and at the end of December, the yield has rebounded. According to the data monitored by Rong 360 Data Research Institute, the average yield of bank wealth management products rose to 4.11% last week.

  Liu Yinping said that the RRR cut will lead to loose liquidity, and most of the underlying assets of bank wealth management are fixed-income assets, and the yield of such assets will drop, so will the yield of wealth management products, which is expected to fall below 4% again in the short term. However, the impact of RRR cuts on the income of wealth management products such as equity, commodities and financial derivatives is uncertain, which may push some equity assets higher.

  Impact 3

  The average yield of the money fund will fall to the range of 2.4%~2.5%.

  The monetary fund yield behind all kinds of baby financing has always been sensitive to changes in market interest rates. Since the end of November last year, the yield of money funds has continued to rise. According to the data monitored by Rong 360 Big Data Research Institute, the average yield of goods-based babies last week was 2.69%, a 39-month high.

  Even if the RRR is not lowered, the funds will gradually loosen after New Year’s Day, and the yield of the money fund will also fall. Lowering the benchmark will further loosen the liquidity and accelerate the decline of the yield of the money fund. It is expected that the average yield will fall to 2.4%~2.5% in the short term.

  Impact 4

  Theoretically speaking, RRR cuts are good for the stock market.

  After the RRR cut, there will be more funds in the market, and some of them will flow to the stock market. Moreover, the increase in corporate credit will help improve the operating conditions of enterprises. Theoretically, the RRR cut is good news for the stock market.

  However, judging from the performance of the stock market after previous RRR cuts, the stock index has been mixed. Liu Yinping pointed out that there are many factors affecting the stock market, including policies, economic environment, the development of all walks of life, market confidence and so on. Today is the first working day after the RRR cut, and all major stock indexes rose in the morning, so it seems that the market confidence is sufficient.

  Text/reporter Cheng Wei

  related news

  A-shares welcome the new year and make a good start. The net inflow of northbound funds exceeds 10 billion.

  (Reporter Liu Shenliang) A shares ushered in a good start in 2020 yesterday, and the three major stock indexes strengthened across the board. The Shanghai Composite Index once approached the 3100-point integer mark, and the Shenzhen Component Index and the Growth Enterprise Market Index rose nearly 2%. The total turnover of the two cities was 751.5 billion yuan, the industry sector closed up across the board, technology stocks led the gains strongly, and online celebrity live broadcast concept stocks continued to rise.

  Specifically, the Shanghai Composite Index closed up 1.15% to close at 3085.20 points; The Shenzhen Component Index rose 1.99% to close at 10,638.82 points; The growth enterprise market index rose 1.93% to close at 1832.74 points. The net inflow of northbound funds was 11.395 billion yuan yesterday, which has been a net inflow for 32 consecutive trading days.

  Citic Securities pointed out that the main macro factors that suppressed A-share earnings in 2019 will be significantly alleviated in 2020, and the fundamentals will stabilize and rebound under the counter-cyclical policy, credit expansion and replenishment. Under the macro-economic decisive victory, capital market reform and the recovery of corporate profits, A shares are expected to usher in a "well-off cow" for two to three years.

  Xun Yugen, chief strategist of Haitong Securities, stressed that technology and brokers will become the leading industries in this bull market. The superposition of scientific and technological progress and policy dividends will promote the performance of the science and technology sector to rebound. With the arrival of the era of equity financing, with the diversification of business in the future, the performance of securities firms is expected to revive.

Adhere to the fundamental purpose of serving the people wholeheartedly.

  Original title: Adhere to the fundamental purpose of serving the people wholeheartedly (in-depth study and implementation of Socialism with Chinese characteristics Thought of the Supreme Leader in the New Era)

  synopsis

  Serving the people wholeheartedly is the fundamental symbol that distinguishes our party from all other political parties. It requires us to uphold the people first, put the people in the highest position in our hearts, implement the mass line, always maintain flesh-and-blood ties with the people, and always take the people’s yearning for a better life as our goal. In the new era and new journey, in the face of arduous and arduous tasks of reform, development and stability and severe and complicated risk challenges, we should further enhance our sense of purpose and always adhere to the fundamental purpose of serving the people wholeheartedly.

  The question of "Why people" is a fundamental question and a question of principle, and it is the touchstone to test the nature of a political party and a political power. General Secretary of the Supreme Leader recently stressed at a seminar for leading cadres at the provincial and ministerial levels: "On the way forward, the whole party should adhere to the fundamental purpose of serving the people wholeheartedly" and "always maintain flesh-and-blood ties with the people, always accept criticism and supervision from the people, and always share the same breath, destiny and heart-to-heart with the people." In-depth study and understanding of the spirit of the important speech of the Supreme Leader General Secretary and adhering to the fundamental purpose of serving the people wholeheartedly are of great significance for struggling to write a new chapter in building a socialist modern country in an all-round way in the new era and new journey.

  Deeply grasp the fundamental symbol that distinguishes our party from all other political parties.

  Why have the people always supported the Communist Party of China (CPC) for more than 100 years? It is because our party has always insisted on serving the people wholeheartedly. General Secretary of the Supreme Leader stressed: "Serving the people wholeheartedly is the fundamental starting point and foothold of all actions of our party and the fundamental symbol that distinguishes our party from all other political parties."

  Establishing and adhering to the fundamental purpose of serving the people wholeheartedly is determined by the nature of the Communist Party of China (CPC). In the communist party Declaration, Marx and Engels revealed the difference between the proletarian movement and all previous movements: "All previous movements were for the benefit of a few people. The proletarian movement belongs to the vast majority of people and is an independent movement for the benefit of the vast majority of people. " In September 1944, Comrade Mao Zedong pointed out in his speech "Serving the People" in memory of the martyrs of Zhang Side: "The Eighth Route Army and the New Fourth Army led by communist party and communist party are revolutionary troops. Our team is entirely for the liberation of the people and works for the interests of the people. " Our party is a political party armed with Marxism and follows the principle of party building of proletarian parties. Party constitution declared at the beginning: "the Communist Party of China (CPC) is the vanguard of the working class in China, as well as the vanguard of the people of Chinese and the Chinese nation". It is stipulated that the party "insists on serving the people wholeheartedly" and "puts the interests of the masses first at all times, shares joys and sorrows with the masses and maintains the closest ties". The Communist Party of China (CPC) shares weal and woe with the people. Apart from the interests of the working class and the overwhelming majority of the people, it has no special interests of its own, and never represents the interests of any interest group, any power group or any privileged class.

  Our party comes from the people, and its foundation and blood are in the people. Being born for the people, prospering for the people, always being with the people and striving for the people’s interests are the fundamental starting point and foothold of our party. In the new era and new journey, in the face of arduous and arduous tasks of reform, development and stability and severe and complicated risk challenges, we should further enhance our sense of purpose and always adhere to the fundamental purpose of serving the people wholeheartedly.

  Adhere to the people first and put the people in the highest position in your heart.

  One of the important reasons why our party has been flourishing and enduring hardships for a hundred years is to uphold the people first and put the people in the highest position in our hearts, so it has always been supported and supported by the people. Adhering to the people first is an inevitable requirement for practicing the fundamental purpose of serving the people wholeheartedly. Since the 18th National Congress of the Communist Party of China, the General Secretary of the Supreme Leader has repeatedly called for upholding the people’s supremacy, stressing that "we must uphold the people’s supremacy, rely on the people closely, continuously benefit the people, and firmly root in the people", and that "we must always take the people’s position as the fundamental political position, put the people’s interests in the supreme position, and constantly push forward the cause of benefiting the people". We should thoroughly study and understand the important exposition of the Supreme Leader General Secretary, always adhere to the people first and the people-centered development thought.

  To uphold the people’s supremacy and put the people in the highest position in our hearts, we must think from the people’s standpoint, put people’s interests first, take people’s expectations as our thoughts, sincerely listen to people’s voices, truly reflect people’s wishes, truly care about people’s sufferings, and take people’s support, approval, disapproval, happiness and disapproval as the fundamental criteria for measuring the gains and losses of all work. The line, principles and policies formulated by the party and their effectiveness in practice ultimately depend on whether the people have really benefited, whether people’s lives have really improved, and whether people’s rights and interests have really been guaranteed. The people are the supreme arbiter and final judge of our party’s work.

  Adhering to the people’s supremacy and putting the people in the highest position in our hearts must be put into action. In the face of the sudden COVID-19 epidemic, the CPC Central Committee with the Supreme Leader as the core made decisive decisions, calmly responded, launched a people’s war, a general war and a blocking war against the epidemic, and always put people’s life safety and health first, never leaving out an infected person or giving up every sick person, thus protecting people’s life safety and health to the maximum extent, and making overall plans for economic development and epidemic prevention and control to achieve the best results in the world. This is a vivid interpretation of our party’s fundamental purpose of upholding the people first, life first and serving the people wholeheartedly.

  Adhering to the people’s supremacy and putting the people in the highest position in our hearts is because our party firmly believes that the people are the creators of history, the real heroes and the fundamental force that determines the future and destiny of the party and the country. With the people as the source of strength and the "iron wall", our party has the strong confidence to fight more bravely and overcome all risks and challenges. Facing the future, we must adhere to the people’s dominant position, fully mobilize the people’s enthusiasm, and rely on the people to create great historical achievements; We must respect the people’s initiative, let go of supporting the people to practice, explore and innovate boldly, and discover, summarize and popularize the successful experiences created by the people in time; We must straighten out the relationship with the people, consciously worship the people as teachers, "Communist party member will always be an ordinary member of the working people", and leading cadres "never forget who they are for, who they rely on and who I am, and truly integrate with the people", and constantly draw wisdom and strength from the people.

  Carry out the mass line and always maintain flesh-and-blood ties with the people.

  To truly implement the fundamental purpose of serving the people wholeheartedly, we must implement the party’s mass line. General Secretary of the Supreme Leader stressed: "The mass line is the lifeline and fundamental working line of our party, and it is an important heirloom for our party to maintain its youthful vitality and combat effectiveness forever." "What does it depend on to maintain the party’s advanced nature and purity and consolidate the party’s ruling foundation and ruling position? The most important thing is to adhere to the party’s mass line and keep close contact with the masses. " "Whether making decisions, grasping work and promoting implementation, we must reflect the sense of purpose and the people’s position, and we must implement the party’s mass line."

  The greatest political advantage of our party is to keep close contact with the masses, and the greatest danger after the party is in power is to be divorced from the masses. Whether the party can maintain the flesh-and-blood ties with the people determines the success or failure of the party’s cause. Carrying out the party’s mass line is the fundamental way and important method to maintain the flesh-and-blood ties between the party and the people. No matter in the past, present and future, we must persist in doing everything for the masses, relying on them, coming from them and going to them, truly implementing the mass line in all the activities of the party in governing the country, rooted in the thoughts of all party comrades and implemented in every party member action, making the greatest determination and efforts to solve the problems that the people are dissatisfied with, ensuring that our party will always win the trust and support of the people, and building a people’s foundation that will always be invincible.

  Popular support is the greatest politics. The General Secretary of the Supreme Leader pointed out: "Those who win the hearts of the people win the world, those who lose the hearts of the people lose the world, and people’s support and support are the strongest foundation for the party’s governance." How to adhere to the fundamental purpose of serving the people wholeheartedly and implement the party’s mass line is ultimately reflected in the important issue of "people’s hearts facing the back", which is related to the life and death of the party. The Communist Party of China (CPC) has been able to lead the people to victory after victory in revolution, construction and reform in the course of a hundred years, and has always won the support and support of the people. In the final analysis, it is because he has won the hearts of the people. The reason why some political parties lost their political power and fell apart is, in the final analysis, because they lost the hearts of the people. Winning the hearts of the people is the magic weapon for our party to grow from weak to strong, to last forever and to defeat the enemy. Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has been persevering in upholding integrity and discipline, promoting the principle of not being corrupt, not being corrupt, and not wanting to be corrupt. The anti-corruption struggle has won an overwhelming victory and been consolidated in an all-round way, which has further won the trust of the people, consolidated the hearts and minds of the party, strengthened the flesh-and-blood ties between the party and the people, and strengthened the party’s ruling foundation.

  Always take the people’s yearning for a better life as the goal.

  General Secretary of the Supreme Leader stressed: "The test of the effectiveness of all our work ultimately depends on whether the people have really benefited, whether people’s lives have really improved, and whether people’s rights and interests have really been guaranteed." "Always take people’s yearning for a better life as the goal of struggle."

  The CPC Central Committee with the Supreme Leader as the core adheres to the people-centered development thought, grasps the most direct and realistic interests of the people, and launches a series of major measures in income distribution, employment, education, social security, medical and health care, housing security, etc., doing things one after another, year after year, and promoting education for young children, learning and teaching, income from work, medical care for the sick, security for the old, and housing. We built a well-off society in an all-round way as scheduled, realized the Millennium expectation that the people of China dreamed of, and laid a solid foundation for building a socialist modern country in an all-round way.

  General Secretary of the Supreme Leader emphasized: "Pursuing a better life is an eternal theme and an eternal process." Socialism with Chinese characteristics has entered a new era, and the main contradiction in our society has been transformed into the contradiction between the people’s growing need for a better life and the unbalanced development. In the new era and new journey, we should base ourselves on the new development stage, implement the new development concept, build a new development pattern, focus on improving the quality and efficiency of development, enhance people’s well-being at a higher level, better meet people’s growing needs in many aspects, and better promote people’s all-round development. We should put the promotion of common prosperity for all people in a more important position, make more active and promising efforts towards this goal, and promote the common prosperity of all people step by step to make more obvious and substantial progress.

  On the way forward, the whole party should always bear in mind the fundamental purpose of serving the people wholeheartedly, insist on doing everything for the people and relying on them, always want to be with the people and work together, always win the support and support of the people, gather the majestic power of more than 1.4 billion people in China, unite as one to advance the historical process of the great rejuvenation of the Chinese nation, and strive to write a new chapter in building a socialist modern country in an all-round way.

  (The author is a researcher at the New Era Socialism with Chinese characteristics Thought Research Center, the supreme leader of the Central Party School (National School of Administration).)

After eating a bowl of chicken soup, the man was bleeding into the hospital. It turned out that there was something wrong with this thing put by his wife.

Original editorial department MengMeng changxiao healthy

Ms. Wang’s husband, Li Shifu, is in his early fifties. He is usually a contractor. He goes out early and comes back late. He works hard in the construction site all the year round. Near the end of the year, she deliberately stewed chicken soup and let him make up for it. On the second day after eating delicious food, Li Shifu felt bitter mouth and poor stool.

After three days of continuous constipation, he used too much force when going to the toilet. Hemorrhoids that had grown for half a year suddenly bled heavily and were rushed to the hospital for emergency treatment. Fortunately, emergency doctors stopped bleeding in time, which did not cause more serious consequences.

Ms. Wang was frightened by the present situation. She couldn’t figure out how it happened suddenly.

Later, I remembered that the problem may be ginseng in chicken soup!

Distressed about her husband, she deliberately put a red ginseng in the soup. The doctor said: Li Shifu usually has dry stool and sticky tongue coating. Six months ago, a physical examination also found a lot of hemorrhoids, belonging to damp heat constitution, which is not suitable for taking ginseng as a tonic. Hemorrhoid bleeding is actually a manifestation of "purging fire".

The Chinese New Year is coming, and many people often want to buy some tonic for their families to replenish their health.

Ginseng medicinal materials-are our most common supplements. But in fact, there are very few people who will eat ginseng. Today, Xiaobian will give you a good talk.

These ten kinds of people are not suitable for eating ginseng!

After all, ginseng is a medicine, not a food suitable for everyone. Eating it indiscriminately can not only make up the body, but also often has many side effects. These ten categories of people should pay special attention to it.

1. People poisoned by sores and ulcers

Often boils and festers, with toxic heat inside. Taking ginseng is beneficial and harmless. Li Shifu, who drank red ginseng chicken soup in the above article, is a typical negative case.

Second, a paunchy person

These people are obese and slow-moving. For this reason, they often hope to supplement their strength by taking them. But in fact, people’s appetite is strong and their weight continues to increase, which makes them feel heavier, drowsy, dizzy and dizzy.

Third, the red-faced person

Most of these people have high blood pressure, and their blood cholesterol and blood lipids are also high. After taking ginseng, they are prone to symptoms such as facial fire, headache, red eyes, insomnia, dreaminess, epistaxis and rising blood pressure.

Fourth, people with yellow and thick tongue coating

Tongue coating is a mirror of digestive tract. Normal tongue coating is thin and white and wet. If there is a thick or yellow or white tongue coating on the tongue surface, it means indigestion or damp heat in the body. Re-taking the meeting will cause loss of appetite and bloating, which will seriously aggravate the condition and affect the therapeutic effect.

5. People with purple tongue.

Chinese medicine believes that the purple and dark tongue is a sign of qi and blood stasis. Ginseng does not have the effect of promoting blood circulation and removing blood stasis, but taking a large amount of ginseng will lead to stagnation of qi and blood, abdominal distension, abdominal pain, irritability and other symptoms.

Six, bloated people

Ginseng has obvious antidiuretic effect, so people who are usually in good health and suddenly swollen, or who often have swollen feet, should not take ginseng.

Seven, fever.

During the epidemic period, the cause of fever must be identified first and treated in time, and it should not be blindly tonic because of physical weakness. Improper consumption will complicate the condition and delay the treatment.

Eight, people with chest tightness and bloating

Attending the meeting aggravates the symptoms, making your abdominal distension like a drum, and you want to burp but you can’t.

Nine, people with red throat and sore throat

These people are either acute laryngitis, or the constitution belongs to heat and fire, and the ginseng is warm. After taking it, it is equivalent to adding fuel to the fire, which often causes sore throat.

Ten, disease-free and healthy people

Taking too much ginseng is not only unhealthy, but will lead to diseases. Especially for infants, children, and hot-blooded young people, you should not blindly take it.

Who is suitable for eating ginseng?

Generally speaking, ginseng is suitable for people with qi deficiency.

But there are many members of ginseng, such as ginseng, codonopsis pilosula, American ginseng … Facing all kinds of ginseng, it is more effective to eat it according to the symptoms!

An old man who has been ill for a long time.

Ginseng, red ginseng

Ginseng contains dozens of ginsenoside, peptides, amino acids, ginseng polysaccharide, volatile oil and other rich components, among which ginsenoside is the active component of ginseng.

Therefore, it has a wide range of effects on the digestive system, cardiovascular system, endocrine system, immune system and central nervous system of human body, so it can improve brain power and physical strength and enhance the immune function of the body.

Ginseng Rubra is a cooked product made of ginseng by steaming and drying. Ginseng Rubra and Ginseng Rubra are both suitable for the elderly and people who are chronically ill and weak, and are the first choice tonic for those who have yin deficiency and yang deficiency. Ginseng Rubra is often used in medicine to treat weakness or strengthen tonic.

What is the best way to eat?

Ginseng:

When stewing, put the sliced ginseng into a bowl, add a proper amount of water, seal the mouth of the bowl, put it into a pot and steam it for 1-2 hours.

When taking, cut ginseng into thin slices and put it in your mouth for taking.

Red ginseng:

Cook porridge, cut red ginseng into thin slices, and add a little when cooking porridge for breakfast;

Chew, cut red ginseng into thin slices, and chew it in your mouth, which has the effect of invigorating qi and refreshing.

Whether it is ginseng or red ginseng, 1~2 grams a day is enough, and eating too much will get angry ~

Anemia, people who often catch colds.

dangshen

Codonopsis pilosula is not warm and dry, but supplements the lung and spleen, which can replenish qi and blood. It basically has the efficacy of ginseng, but its strength is weaker than that of ginseng, and its advantage lies in its mild medicinal properties. In life, Codonopsis pilosula is an authentic health-care "home-cooked ginseng", which can be used for all kinds of people with deficiency of qi, fatigue, weakness of limbs, loss of appetite, loose stool, easy to catch a cold and poor immunity.

Modern scientific experiments have found that Codonopsis pilosula can increase hemoglobin and red blood cells by stimulating the vitality of the spleen, so it is often used to treat various anemia.

How to eat best:

Slice Codonopsis pilosula, boil it in water for 10~15 minutes, and drink it well after cooling.

You can also cook soup, such as Dangshen beef soup, Dangshen mutton soup, Dangshen chicken soup, etc. Note that the dosage of Dangshen can be 15-20 grams when cooking soup.

People who are fidgety, tired and work in high temperature.

American Ginseng

Panax quinquefolium is a kind of "cool" ginseng, which is bitter in taste, slightly sweet and cool in nature. It has the effects of nourishing yin and invigorating qi, promoting fluid production to quench thirst, removing irritability, clearing asthenic fire, strengthening vital energy and resisting fatigue. The greatest advantage of American ginseng is that it nourishes qi and yin, moistens the five internal organs, and has no disadvantages of being warm and dry and getting angry, so it is also called "no fire ginseng".

Modern research shows that American ginseng also has the functions of stopping bleeding, antidiuretic, regulating blood lipid, resisting hemorrhagic shock and enhancing immunity.

Some people get dizzy as soon as they stand up, which is mostly caused by postural hypotension. To solve this problem, you can also use some American ginseng.

What is the best way to eat?

Soak American ginseng slices in water instead of tea, put 1~3 slices at a time, brew with warm water, and then eat the slices after drinking;

People who often work at high temperature in summer can take American ginseng as a buccal tablet to prevent heatstroke.

People with cough due to lung heat and yellow and thick expectoration

the root of straight ladybell

Adenophora adenophora is a very clear medicine, which can enter the lungs when it is white. When lung qi goes up, fire will go up. Adenophora adenophora can reduce lung qi, so it can purge fire. The lungs like to moisten, and Adenophora adenophora is just a relatively moist medicine. Adenophora adenophora meets the lung’s preference in all aspects, so it is a lung-nourishing product.

Adenophora adenophora is suitable for chronic cough due to yin deficiency, cough due to lung heat, cough due to phlegm and blood, yellow and thick expectoration, cough due to dryness, whooping cough, throat obstruction due to deficiency heat, tracheitis, body fluid injury and thirst. People with cold cough should be forbidden to take Adenophora adenophora; Adenophora adenophora is forbidden for people without excess heat in zang-fu organs; Moreover, Adenophora adenophora can’t be used with Radix Stephaniae Tetrandrae and Veratrum nigrum.

How to eat best?

You can take 50 grams of Adenophora adenophora, 25 grams of Polygonatum odoratum, 25 grams of lotus seeds and 25 grams of lily, and 1 egg and boil it into soup.

People who are upset, insomnia and irregular menstruation

root of red-rooted salvia

Traditional Chinese medicine believes that Salvia Miltiorrhiza is slightly cold and bitter in taste, and it has the effects of promoting blood circulation, removing blood stasis, nourishing blood, calming the nerves, regulating menstruation and relieving pain, etc. It is mainly used for the treatment of irregular menstruation, postpartum stasis, restlessness and insomnia in clinic.

The human body causes qi stagnation and blood stasis due to various reasons, such as disharmony between liver and stomach, blood stasis block, blood heat and so on. Salvia miltiorrhiza can promote blood circulation and remove blood stasis and treat the symptoms of qi stagnation and blood stasis.

What is the best way to eat?

Salvia miltiorrhiza soaking in wine requires the use of salvia miltiorrhiza tablets, saffron and other medicines, and can be drunk after being soaked in white wine for about half a month. It is best not to drink too much every day, and control the number of times and the amount of drinking.

Female friends can make Danshen Yimu tea in their daily life. Take appropriate Danshen tablets and Leonurus heterophyllus and brew them in hot water. It can be brewed repeatedly, but it is not suitable for drinking overnight.

Ban Xiuwen, a master of traditional Chinese medicine, once said: "Ginseng and bird’s nest can kill people if they are not properly supplemented."

There are many kinds of ginseng, and its efficacy is not the same for different people, so it is most important to choose the right tonic! Knowing your body, consulting Chinese medicine practitioners, selecting suitable ginseng and adding other Chinese medicine ingredients to recuperate and tonify can often achieve the function of strengthening the body.

Pay attention to the holiday gifts, and it is more appropriate to send the participants!

References:

Bing Lin. Ginseng can’t get angry when eaten correctly [J]. Diet and Health Care, 2019, (23)

What’s the difference between all kinds of ginseng [J]. Health for All, 2018, (11):61.

Jin Jian, Zhu Yejing, Xiaoding. Do you really understand ginseng? [J]. Scientific Life, 2020, (11)

Who should not eat ginseng [J]. Science Grand View Garden, 1998, (4):61.

Read the original text

The monthly salary of 3,000 yuan in the Spring Festival labor market is difficult to recruit: fewer people go out blindly, and the wages of skilled workers are high.

  Jiangsu, China Network February 22-February 22 is the first day of work. Some migrant workers also came to the city early, hoping to catch up early to find a good job. On the first day of opening, Nanjing Banqiao Anda Labor Market attracted nearly 1,000 laborers to apply for jobs.

  The monthly salary starts at 3,300 yuan, which is the same as last year.

  At 9: 30 in the morning, when the reporter drove 40 minutes from downtown to the market, the market was full of job seekers inside and outside. At the age of 34, Jinyang from Ankang, Shaanxi, and his companions looked at the dense recruitment information from window to window with big bags and small bags. Jinyang worked as an assembler in an auto parts factory in Jiangning last year, with a monthly salary of 4000 yuan. "The factory often has to work overtime. I want to see if there are better opportunities before the factory starts on the fifteenth day of the first month." However, I didn’t see a satisfactory position after turning around Jinyang. "Those who earn more than 5,000 yuan are skilled workers such as welding and carpentry, and I can’t do it."

  "The market wage price at the end of last year was this market." Tang Qinghua, director of Anda’s human resources marketing department, said that after the beginning of the year, the wages of various types of jobs in the labor market did not increase significantly. If operators count overtime wages, the monthly salary generally does not exceed 4,000 yuan, and the monthly salary of restaurant waiters and security guards with large demand is around 3,500 yuan. The lowest-paid handyman earns about 3300 yuan a month. "Workers are basically not recruited below 3,000 yuan, and the monthly salary of some skilled jobs can reach 6,000 yuan." According to reports, some jobs that need skills and suffer hardships have higher monthly income. For example, the monthly salary of Yueyue is more than 6,000 yuan, and the monthly salary of long-distance bus drivers can be as high as 12,000 yuan.

  According to employment experts, with the transformation from manufacturing in China to creating in China, the speed in China is changing to quality in China. In the next few years, the wage increase of low-end workers is limited, and the market demand for skilled workers, especially those who are tired and tired, is growing, and their wage increase is also growing.

  It is difficult for small and medium-sized enterprises to recruit workers, and young people are more picky about job hunting.

  Together with nearly a thousand laborers, there are also some recruitment managers of small and medium-sized enterprises. At 10: 00 am on the 22nd, the parking lot outside Anda Human Resources Market, which can accommodate 60 parking spaces, has been filled by recruitment enterprises. Ms. Song from Nanjing Yixintong Electric Co., Ltd. rushed to the market at 8:30 in the morning to recruit. "We completed the recruitment of management and R&D personnel in Nanjing talent market years ago, and mainly recruited laborers after the year." On the same day, the company recruited 10 cable connector workers, aged between 20 and 35. The unskilled company can provide paid training, but the candidates are required to bear hardships, and the monthly salary is between 3,400 yuan and 6,000 yuan according to their work performance. One morning, more questions and fewer candidates. Finally, a young man studying electrical came up and asked-"How long do you work every day?" "How many days off a week?" "Is there social security?" After getting satisfactory answers, I turned my head and left when I heard that it was outdoor homework.

  In desperation, Ms. Song relaxed her age to under 40, and still failed to recruit suitable personnel. Ms. Song said that the company needs a large number of front-line workers to expand its scale this year. Tomorrow, it will go to Suzhou where migrant workers are concentrated, and then try its luck in Nanjing’s major human resources markets.

  As helpless as Ms. Song, there is Liu Cuiling, the hiring manager. In the morning, a young man in his early thirties came in looking for a driver position, saying that he lived in Tiexinqiao and hoped that his work unit would be closer to home. "Meishan Street, there is a construction site near Xishan Bridge to recruit a driver to transport construction waste. He works 5 days a week, 8 hours a day, and the monthly salary is 4,000 yuan. Are you interested?" "Meishan? It’s a little far from my home. " "Take the bus for up to 15 minutes!" "Carrying construction waste is a bit dirty." "Is there a job to transport electric cars to the east of Banqiao willing to do it?" "It’s too far over there." In this way, Liu Cuiling recommended three driver positions, and the young man was either too dirty and too far away or too long working hours.

  Employment channels have increased, and fewer migrant workers go out blindly.

  Although the supply and demand of Anda human resources market were booming on the first day of its opening, not many young people went to the scene to apply for jobs.

  "Nowadays, young people rarely go out blindly for job hunting." Xiong Kaigui, the head of Nanjing Pengda Labor Consulting Company, said that with the improvement of the education level of the new generation of migrant workers, many people applied for enterprises directly in vocational and technical colleges. "Now big companies and big labor dispatch companies are also directly recruiting from schools, and rarely recruiting people in the labor market."

  At the same time, with the popularity of mobile phones and Internet information, it is more convenient for migrant workers to find jobs, and many people go straight to employers through WeChat and online recruitment. This makes the traditional labor market and labor distribution center in the city less lively after the holidays in previous years. As an important railway hub in China, South Square of Nanjing Railway Station is a gathering place for migrant workers seeking jobs in Nanjing. Every year after the Spring Festival, many migrant workers with luggage case and snakeskin bags gather there to ask each other where there is a boss who needs to be recruited. However, on the morning of the 21st, the reporter visited the South Square of Nanjing Railway Station, but there was no migrant worker looking for a job.

  On the morning of the 21st, Tang Xianfeng, a migrant worker from Chuzhou, Anhui, who transferred to Kunshan at the South Square of Nanjing Railway Station, broke the current situation of migrant workers’ job hunting: "It is very convenient to find a job now. If you want to go out to work, you can find a fellow villager to introduce you, and there are many opportunities to take care of your home." With the rapid economic rise in northern Jiangsu and central and western China, many traditional labor exporting places have also experienced the phenomenon of lack of jobs. In order to do everything possible to retain the villagers who return home for the New Year, many traditional labor exporting counties and cities in northern Jiangsu have held various recruitment activities intensively in local crowded places since the beginning of the New Year’s Day. The reporter learned from the Provincial People’s Social Welfare Department that from the first day of the Lunar New Year to the end of March, there will be more than 1,000 jobs in all parts of the province. The employment authorities in Huai ‘an, Yancheng, Xuzhou and other places also issue invitations to return home to migrant workers in the station square every year, organize buses to invite them to visit local development zones and industrial parks, feel the changes in their hometowns, and attract them to stay in their hometowns for employment and entrepreneurship.

  Reporter Huang Hongfang

The lower the drag coefficient, the better. Inventory of Five "Extreme Chasing Wind" Models

What is the drag coefficient? What’s the use of this thing So who are the popular players in these low wind resistance models? Today we will make a small inventory together.

Air is invisible but everywhere. When it starts to move at a certain speed, it becomes a fluid-wind. The drag coefficient Cd can also be intuitively understood as a standard of the size of the object affected by air drag. Yes, this is a standard (dimensionless coefficient), not a definite value. Wind resistance is not the same concept as wind resistance coefficient. Its calculation formula is as follows:

Wind resistance coefficient = frontal wind resistance ×2÷ (air density x frontal projection area x vehicle speed square)

Although this standard still follows the law that the greater the resistance, the greater the value. However, according to the different projected area of the front of the car and the different vehicle speed (these two values are located in the denominator of the formula), we will get different expressions of the wind resistance coefficient. Even the same car will get different wind resistance coefficients due to the changes of temperature and vehicle speed, and the vehicle speed and test situation corresponding to the lowest point of the wind resistance coefficient are also different. Therefore, there is no uniform standard for brands to publicize the wind resistance coefficient, and it is impossible to directly compare the wind resistance with the principle of "low is good".

So why do cars nowadays pursue low drag coefficient so much? The first is drag reduction. Lower resistance means lower energy consumption, which is very important for new energy pure electric vehicles that survive under the value of "battery life is everything". At present, the object with the lowest wind resistance known in the world is water droplets, only 0.05Cd. It is not difficult to understand why the current pure electric vehicle is so "rounded" with fewer pores and openings. So in 2023, among so many new cars that constantly refresh the performance of "low drag coefficient", which cars are "extremely chasing the wind" and have a good heat?

Official drag coefficient: 0.227Cd

At first glance, this drag coefficient seems not difficult to achieve, and it is not prominent enough in a group of new cars that are infinitely close to 0.2Cd. Actually, the Tucki X9 is a large MPV with a large size, and it is not easy to achieve such performance with a higher posture and a larger front projection area.

From the appearance, the design of Tucki X9 is very unconventional, which continues the family design style, but also makes a brand-new interpretation of the MPV shape, which makes people impressed after reading it. As a new force to build cars completely from pure electricity. Tucki’s styling design will hardly be influenced by the styling design of fuel vehicles, and it has also become a "genre" of the exterior design of pure electric vehicles. Through-type lamp eyebrows and split headlights are basically integrated into the integrated front face, which ensures the low-resistance characteristics of the front to the greatest extent. In addition, the basic flat side glass and telescopic door handle further optimize the aerodynamic effect and make the body elements more concise.

The interior also inherits the minimalist style of appearance, and basically does not see the existence of traditional buttons, and most functions can be operated by speech recognition. What is particularly commendable is that the Tucki X9 is very particular about the design of the seat shape and the selection of filling materials, and the activity of the second and third rows of space inside is also very strong, and the walking passages and vertical heights are very ample, which makes it feel like "meat buried in rice".

In the configuration of power and endurance, the strength of Tucki X9 should not be underestimated. At present, the new car has been given two kinds of power combinations: single motor and dual motor, and 84.5kWh Ferrous lithium phosphate and 101.5kWh ternary lithium batteries can be selected. The pure electric cruising range of CLTC is 610km (long battery life of single motor) /702km (long battery life of single motor) /640km (four-wheel drive version of dual motor), which is remarkable in the face of the higher self-weight and wind resistance of MPV models. In addition, Tucki’s ace in the hole-high-order intelligent driving skill is being launched nationwide, and friends who like intelligent driving experience are worth trying.

Official drag coefficient: 0.22Cd

When it comes to pure electric cars, how can we not mention Tesla? Although the new Model 3 has not changed the overall structure of the original car body, the drag coefficient has been successfully reduced from the original 0.23Cd to 0.22Cd through further "shaping". From the evolution of new and old models, we can also see Tesla’s overall understanding of the shape of pure electric cars-closed front face, short front and rear suspension and sliding back rear. The new Model 3 is more like a supplement to the appearance of the old model, becoming more atmospheric and more acceptable.

In the interior part, the biggest change of the new Model 3 is the decentralization of the touch shift technology, which makes the minimalist effect of the whole vehicle further. In addition, the X-inch small entertainment screen and ambient light in the back row also respond to everyone’s "rough room". At this point, Tesla is very persuaded.

In terms of power, at present, the new version of Model 3 supplied in China has single-motor rear-drive and dual-motor long-life all-wheel drive versions, and the comprehensive battery life of CLTC reaches 606 km and 713 km respectively. The lithium iron phosphate battery with a battery capacity of 60kWh and the ternary lithium battery with a battery capacity of 78.4kWh are matched with the two models. Compared with the battery pack with the same level of competing products, the battery capacity can make such a battery life. Tesla is indeed an expert in controlling energy consumption. What’s more, its overcharge system is accelerating its expansion, further resolving the endurance anxiety. If you want to experience the most mature next-generation pure electric travel mode, then the new version of Model 3 Huan is definitely a reserved option.

Official drag coefficient: 0.203Cd

Counting the success of self-owned brands in building cars this year, Huawei’s smart car selection model must be an important branch. In the past, the topic of smart cars kept exploding. In the second half of this year, we also saw Huawei’s deeply empowered car product-Zhijie S7.

As the first coupe model under the intelligent car selection system, the design style of Zhijie S7 continues Huawei’s aesthetic principle of "extreme, pure and simple". The overall shape is round and simple, but there are some similarities with the family model in details. In addition, Zhijie S7 also added the design of canard tail, body guide groove and other details, which optimized the wind resistance and brought more sense of movement.

In terms of power, Zhijie S7 matches the combination of front AC asynchronous motor and rear permanent magnet synchronous motor. There are two specifications of rear drive single motor and four-wheel drive dual motor, and the fastest acceleration is only 3.3 seconds. In terms of battery selection, Zhijie S7 provided battery capacity specifications of 6282100kWh respectively. On the single motor version, these three batteries can achieve CLTC pure battery life of 550,705,855 kilometers respectively, which is also a very advanced performance in the same class. In addition to excellent energy management and wind resistance performance, the software ecology of Zhijie S7 and the expansion ability of intelligent assisted driving can also be played. The entry of Huawei HarmonyOS system has brought many possibilities for the expansion ability of this car.

Official drag coefficient: 0.199Cd

I thought that cars with low wind resistance were not cheap, but the appearance of Geely Galaxy E8 made the wind resistance and price of pure electric high-quality cars "two-pronged". As Geely’s high-end product sequence, Galaxy’s flagship product. Geely Galaxy E8 has achieved a perfect balance between people-friendly prices and high-quality attributes.

Compared with the previous round features, Geely Yinhe E8 has made a differentiated distinction in product modeling, which is particularly rare. First of all, although the design of the front face shape is mainly closed, it makes a variety of visual effects through lighting elements and luminous grille, which makes people shine. In addition, on the basis of the crisp slip-back shape, Geely Yinhe E8 also incorporates China’s classical aesthetic elements in many details of the interior and exterior decoration, which is both beautiful and full of cultural connotations.

Based on the excellent driving performance of SEA architecture, the performance of the walking part of Geely Galaxy E8 can also be played. The double-motor version has an acceleration of 3.49 seconds, and it is difficult to find an opponent at the same level. On the single-motor version with relatively excellent endurance performance, Geely Galaxy E8 can choose 62kWh and 76kWh battery specifications. Although the battery capacity is not large in general, the pure electric cruising range of CLTC has reached 550 km and 665 km, which can also meet the daily use needs. In the 200,000-yuan pure electric car market, Geely Yinhe E8 has stepped out of its own unique style with lower threshold and the same technical level.

Official drag coefficient: 0.195Cd

At the end of 2023, a 150-minute press conference of Xiaomi brought us a lot of heavy technologies, as well as a lot of information about the first model SU7. According to general manager Lei, the drag coefficient of this C high-performance coupe reached 0.195Cd, which surprised all four seats.

From the overall shape of SU7, it is not difficult to see that the Xiaomi team has been deeply learning about automobile engineering and manufacturing in the past 1000 days. For a technology brand trying to build a car for the first time, the appearance scheme of SU7 is quite mature. The vehicle adopts the body design of sliding back modeling. Details such as hidden door handles and electric tails are also not absent.

According to the information we can get at present, Xiaomi SU7 will provide two kinds of power combinations, single motor and dual motor, and the acceleration time of zero hundred can reach 2.78 seconds at the earliest. This data performance is arrogant. In terms of battery configuration, the Kirin battery on Xiaomi SU7 is given in two specifications: 73.6kWh and 101kWh, and the pure battery life of CLTC reaches 668km and 800km respectively. For Xiaomi, who is good at being a "price butcher", such endurance performance has been very "fierce". According to Xiaomi’s consistent "parity style", as long as the price is in place, SU7 can not only achieve "wind resistance equality", but also become a clear representative of "technology equality" and "price equality" in the automobile circle. Then I would like to ask Mr. Lei, how much are you going to "make friends"?

From 0.2xCd to 0.1xCd, the transformation of new energy has inserted wings for the development of low-resistance design of automobiles, and also made significant progress in the continuous driving ability of trams. Among the models that have not yet been officially listed, some new cars have once again set a new record for the low drag coefficient of production cars. So how many surprises can the new cars in 24 years bring? Let’s wait and see.

The five major banks’ credit cards will eliminate paper bills and will be fully electronic from July.

  From July this year, the credit card bills of the five major banks will be fully electronic. Without paper bills, banks have provided more electronic ways for customers to query detailed bill information.

  (Reporter Cheng Jie) Beijing Youth Daily reporter learned yesterday that Bank of Communications will provide fully electronic accounting services for credit cards from July this year, and will no longer provide paper bills. The Agricultural Bank of China also said that it will gradually cancel the paper statement delivery service from May 10 this year. As early as last year and the year before, ICBC, CCB and BOC had taken the lead in announcing the cancellation of paper bills. The withdrawal of paper bills of Bank of Communications means that the credit card bills of the five major banks will soon be fully electronic.

  Banks provide bills to customers in various ways.

  In April 2014, CCB announced that it would upgrade to provide electronic bills for credit cards, and paper bills would no longer be mailed. ICBC also began to promote the use of electronic bills, and stopped sending paper statements from July 2014. In 2015, Bank of China also issued a notice saying that it is necessary to comprehensively upgrade the electronic billing service of credit cards and will no longer send paper bills from April 2015.

  In addition to the five major banks, other banks have taken similar measures. On January 16, 2015, Industrial Bank announced that it would no longer mail paper bills to customers except in special circumstances. Even banks that have not announced the cancellation of paper bills encourage customers to take the initiative to apply for electronic bills by rewarding points.

  Without paper bills, banks have provided more electronic ways for customers to query detailed bill information. The bank will automatically push the credit card statement for the cardholder every month through SMS, Email, etc. The cardholder can also conveniently check the accounting information at any time by logging in to online banking, mobile banking, mobile client, official WeChat, calling the credit card customer service hotline, etc. In order to ensure that the statements are received on time every month, banks require customers to confirm and update their contact information in time, especially their email addresses.

  Some customers need paper bills and can communicate with customer service separately.

  Of course, canceling paper bills is not across the board. A number of banks said that some middle-aged and elderly customers don’t use online banking or even email, so it is not convenient to use electronic statements. If customers insist on using paper statements, they can call the bank’s customer service to communicate, and the bank can continue to provide them for customers. If customers need paper bills of a certain time as reimbursement vouchers or for other purposes, they can also print them at bank outlets or contact customer service to obtain them. ICBC credit card customer service said that credit card paper bills within two years can be sent to customers with a phone call, and those over two years need to be retrieved through the background, and the process will be more troublesome.

  ICBC saves hundreds of millions of yuan a year by canceling paper bills.

  The reporter of Beiqing Daily noticed that banks generally said that the cancellation of paper bills was in response to the call of building a conservation-oriented society, advocating low-carbon environmental protection and saving paper. Miss Zhang, who works in a financial institution, said that when the bank had not announced the cancellation of paper bills a few years ago, she took the initiative to change to electronic bills. "Because I still know the bill by email, SMS, etc., I am too lazy to read the statement sent every month, and I am afraid of leaking information when selling waste products, which is particularly troublesome. The most important thing is that it is not environmentally friendly. I don’t know how many trees have been destroyed. "

  In addition to environmental factors, effectively reducing costs is also the main purpose of banks to promote electronic bills. According to the analysis, the postage of a paper bill is generally between 0.80-1.20 yuan, plus the cost of printing and paper. On average, the cost of 12 months a year in 1.2 yuan is almost the same as that in 15 yuan. The number of credit cards issued by ICBC exceeds 110 million, and the number of cards issued by other big banks is also tens of millions. The implementation of electronic bills can save at least several hundred million yuan in costs every year. In addition, compared with paper bills, electronic bills can provide more functions, such as facilitating customers to handle consumption installment and online repayment, and displaying credit card preferential activities comprehensively and vividly.