Recently, several encrypted communication softwares, such as secret chat cat, Telegram, bat, secret communication and seagull, have frequently appeared in public notices issued by local police, which are accused of providing convenience for criminals to destroy criminal evidence. The police reminded that parents should check whether the above software is installed in their children’s mobile phones in time and delete it at the first time!

　　For example, WeChat official account, the official WeChat of Nanjing Public Security Bureau, announced on May 16th that the secret chat software, because of its strong privacy of encrypted communication, especially the function of "burn after reading", provided convenience for criminals to destroy criminal evidence, making the secret chat software a "gray area".

　　The Nanjing Public Security Bureau said that nowadays, criminals have moved their servers from China to overseas, changed their communication tools from mass software to overseas secret chat software or domestic niche chat software, and changed their crime equipment from traditional "pseudo base stations" to "Modem pool", GOIP, Doka Bao, VoIP and so on. This kind of telecommunication network fraud crime committed by using new space and new equipment is highly technical, which increases the difficulty of investigating the case.

　　Nanjing Public Security Bureau reminded that minors are not deeply involved in the world, and criminals cajole minors into providing personal information and other content through rhetoric on secret chat software, making them "accomplices" in illegal and criminal acts and even committing "helping the letter".

　　The so-called "crime of helping the letter" is the crime of helping the information network criminal activities. The Criminal Law Amendment IX, which came into effect on November 1, 2015, added the crime of "helping information network criminal activities": providing technical support such as Internet access, server hosting, network storage, communication transmission, or providing assistance such as advertising promotion, payment and settlement, if the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or shall only be fined.

　　Compared with the crime of "helping the letter", online fraud is more common. The following fraud routines are aimed at student groups, please pay attention to parents!

　　01

　　Free skin "big trap"

　　Nowadays, many children play games and pay special attention to "skin". Therefore, under the banner of "giving away skin for free", some scammers use the simple thinking of children and the weakness of not being able to communicate with parents to induce children to steal their parents’ mobile phones for transfer operations.

　　All kinds of initiatives to chat up, saying that there is free skin to collect, and then let you scan the code first and then thaw, are all scams!

　　02

　　Red envelope rebate "killing fish plate"

　　Liars post red envelopes to return false information through a short video website, WeChat and other channels, and many primary school students will believe it and be pulled into the group.

　　Liars first attract high profits as bait, and then cheat money with various excuses such as handling fees, transfer fees and red envelope fees. When the scam is discovered, the other party will be deleted or blacked out immediately.

　　03

　　Fake "anti-addiction" to cheat money

　　Nowadays, many children spend a lot of time at home, but they want to play games but are limited by the "anti-addiction system". They always want to find a way to crack it. Therefore, on the grounds of relieving the addiction of the game, the scammer deceived the minors to obtain their relatives’ WeChat or Alipay accounts and payment passwords through screen sharing, and then transferred the bank card property and defrauded the money.

　　04

　　Fake stars send "fake benefits"

　　Nowadays, many children like idolize, especially believing in idols. Liars generally work together, or one person plays multiple roles, and some pretend to be stars, with free benefits as bait; Some play brokers or fans, tricking students into bringing their parents’ mobile phones and cheating step by step.

　　Common fraud methods include pretending to be a star, asking fans to help hit the list, and charging for entering the star fan base.

　　How to effectively avoid cyber fraud?

　　Always check the electronic products such as computers and mobile phones used by children in online classes. It is recommended to keep only the apps that must be used in class, and uninstall all other unrelated apps such as games, social networking and payment.

　　Strengthen anti-fraud education for children. Don’t look at, ignore, or order calls, text messages, and links of unknown origin; Don’t pay attention to strangers who deliberately strike up a conversation on the internet, don’t covet petty gains, believe in winning prizes, earning extra money and other rhetoric; Do not listen, believe or transfer money for any reason.

　　Parents should take care of their mobile phones, bank cards and other items. Don’t let your child know the payment password or change the password, and don’t set the payment APP as confidential payment, so as to avoid large-scale transfer and remittance after being deceived. At the same time, we should also pay attention to the balance of the child’s own WeChat account and Alipay account.

　　Parents should put down their mobile phones when they have time, accompany their children to study, read and play more, and use a full life instead of playing mobile phones. Once you find that your child has been cheated, please immediately keep the evidence and call the police!

Source: Shanghai network rumors

　　CCTV News:The State Council held a press conference on September 16th. At the press conference, Fu Linghui, spokesman of the National Bureau of Statistics, said that China’s market supply capacity is relatively strong, the effect of measures to ensure supply and stabilize prices will continue to appear, and there are good conditions for market price stability.

　　In August, despite the influence of extreme weather such as high temperature and drought, the efforts to ensure supply and stabilize prices in the domestic market were gradually effective, the supply of domestic goods and services was generally sufficient, and the lagging influence of the downward trend of international oil prices was also emerging. In August, the consumer price changed from 0.5% in the previous month to 0.1% in the previous month, up 2.5% year-on-year, and the growth rate dropped by 0.2 percentage points from the previous month.

　　From the ring comparison, the decline in consumer prices is due to the decline in the price increase of pork and fresh vegetables. The supply of live pigs was promoted in an orderly manner, and the slaughter of live pigs gradually recovered, which led to a decline in the price increase of pork. In August, the month-on-month increase in pork prices and vegetable prices dropped by 25.2 percentage points and 8.3 percentage points respectively.

When it comes to e-commerce, we all know that the familiar e-commerce platforms include Taobao, JD.COM and Pinduoduo, all of which are domestic e-commerce, but when it comes to cross-border e-commerce, many people may not understand.

Cross-border e-commerce is an international business activity in which transaction subjects belonging to different customs reach deals, make payment and settlement through e-commerce platforms, and deliver goods and complete transactions through cross-border logistics.

From the definition, we can see such three key words: transaction subjects in different customs, payment and settlement, and cross-border logistics. The difference between cross-border e-commerce and domestic e-commerce is also reflected here.

Take B2C export e-commerce as an example:

(1) Transaction subjects in different customs: Different customs means that compared with domestic e-commerce, cross-border e-commerce will face many complicated and changeable customs procedures, trade policies and other issues in import and export trade. For example: import and export tariffs, customs declaration, inspection and quarantine and so on.

(2) Payment and settlement: the cost is high, the payment takes a long time and there is exchange rate risk.

① Domestic e-commerce: The domestic e-commerce payment and settlement system is mature, and most of them use online banking payment and third-party payment methods such as Alipay and WeChat, which are convenient and fast, with low cost and short payment cycle (mostly within 15 days).

② Cross-border e-commerce: The payment system of cross-border e-commerce is relatively immature, especially for B2B large-scale trade. Most of them are paid by international payment tools such as PayPal, and the handling fee is as high as 3%-5% of the transaction amount, which has exchange rate risk and the payment period can be as long as 1-6 months. There is a great financial pressure on cross-border e-commerce sellers.

(3) Cross-border logistics: logistics has long time limit, high cost, low service level and high packet loss rate.

The difference between cross-border e-commerce and domestic e-commerce

1. Differences in business links

Cross-border e-commerce business links are more complicated. It needs to go through customs clearance, inspection and quarantine, foreign exchange settlement, export tax rebate, import tax collection and other links.

In the transportation of goods, cross-border e-commerce leaves the country by express delivery, and it takes longer for the goods to be sold to foreign consumers. Because of the long distance, the goods are easy to be damaged, and the express delivery capacity of various countries is relatively limited, and the growing number of parcels is also easy to cause trade friction. Domestic e-commerce takes place in China, and the goods are delivered to consumers by express delivery, with short journey, fast arrival speed and low probability of goods damage.

2. Differences of transaction subjects

The subjects of e-commerce transactions are generally in China, domestic enterprises to enterprises, domestic enterprises to individuals or domestic individuals to individuals. And the theme of the cross-border electronic commerce deal must be between customs.

It may be domestic enterprises to overseas enterprises, domestic enterprises to overseas individuals or domestic individuals to overseas individuals. Trading subjects spread all over the world and have different consumption habits, cultural psychology and living habits, which requires cross-border e-commerce to have a deeper understanding of the introduction of traffic from various countries, the promotion and marketing of various countries, the behavior of foreign consumers, and the construction of international brands, and the complexity is far beyond that of domestic e-commerce.

3. Differences in transaction risks

Domestic enterprises only have a weak awareness of property rights, and a large number of brand-free and low-quality goods and counterfeit goods flood the cross-border electronic commerce market, infringing on intellectual property rights and other phenomena occur from time to time.

In countries with perfect business environment and legal system, it is easy to cause intellectual property disputes. Domestic e-commerce behavior takes place in the same country, and both parties have a unified understanding of intellectual property rights such as trademarks and brands. There are fewer disputes caused by infringement, and disputes arise in time, which is shorter and more convenient.

4. Differences in applicable rules

Cross-border e-commerce needs to adapt to more detailed and complicated rules than domestic e-commerce. The first is the platform rules. In addition to domestic platforms, cross-border e-commerce operations may also conduct transactions on foreign cross-border e-commerce platforms, and each platform has different operating rules.

Cross-border e-commerce should be based on international general trade agreements and bilateral changeable trade agreements. Cross-border e-commerce should keep abreast of changes in the international trading system, rules, import and export controls and policies, and also have a deeper understanding and analysis of import and export forms. (Source: Logistics and Supply Chain Finance)

The above content belongs to the author’s personal opinion and does not represent Hugo’s position! This article is reproduced with the authorization of the original author, and it needs the authorization and consent of the original author.

　　During the "Thirteenth Five-Year Plan" period, a series of hard measures must be taken to promote the construction of ecological civilization and solve the problems of tight resource constraints, serious environmental pollution and ecosystem degradation, and only by doing real work can it be effective. General Secretary of the Supreme Leader pointed out in the explanation of the planning proposal of the Fifth Plenary Session: "It is a hard measure to implement the action of controlling the total amount and intensity of energy and water resources consumption and construction land. That is to say, it is necessary to control both the total amount and the energy consumption, water consumption and the intensity of construction land per unit of GDP. If this work is done well, it will not only save energy and water and soil resources, reduce pollutant emissions from the source, but also force the transformation of economic development mode and improve the green level of China’s economic development. " The Outline of the Thirteenth Five-Year Plan for National Economic and Social Development of the People’s Republic of China adopted at the Fourth Session of the 12th National People’s Congress well embodies this idea, and puts forward the action of "controlling the total amount and intensity of energy and water resources consumption and construction land". Please learn with "Learn China".

Pictured: The Fifth Plenary Session of the 18th Central Committee of the Communist Party of China (CPC) was held in Beijing from October 26 to 29, 2015. The General Secretary of the Central Committee and the Supreme Leader made an important speech.

First, dual control of energy consumption

　　Energy is the source of power for modern economic growth and an important material basis for the sustainable development and security of national economy. With the rapid development of China’s economy and the continuous expansion of its economic aggregate, the process of industrialization and urbanization is also accelerating, energy consumption is increasing rapidly, and environmental degradation is also increasing. Under the constraint of energy and environment, to maintain the rapid and sustainable development of economy, we must build a safe, stable and environmentally friendly modern energy consumption system. At the meeting of the Central Leading Group for Finance and Economics held on June 14th, 2014, General Secretary of the Supreme Leader pointed out: "Resolutely control the total energy consumption, effectively implement the priority policy of energy conservation, make energy conservation run through the whole process of economic and social development and all fields, firmly adjust the industrial structure, attach great importance to energy conservation in urbanization, establish the concept of diligence and thrift, and accelerate the formation of an energy-saving society."

　　Implementing total energy consumption control is an important strategy in China. In the past few decades, large-scale energy consumption has provided upward momentum for economic growth. During the Eleventh Five-Year Plan period, China’s total energy consumption increased from 2.36 billion tons of standard coal in 2005 to 3.25 billion tons in 2010, with an average annual growth rate of 6.6%. During the "Twelfth Five-Year Plan" period, although energy consumption was controlled, it still showed an overall growth trend. According to the statistical bulletin on national economic and social development in 2015 issued by the National Bureau of Statistics, the total energy consumption in 2015 was 4.3 billion tons of standard coal, up by 0.9% over the previous year. At present, China is changing from ensuring supply to controlling energy consumption, and open energy production and consumption will be restricted. In particular, high energy-consuming industries and surplus industries are subject to strong constraints on total energy consumption control, and other industries are subject to strong constraints according to advanced energy efficiency standards. From the perspective of national policy, the "Thirteenth Five-Year Plan" and medium-and long-term total control will continue. According to the National Energy Strategic Action Plan (2014-2020), by 2020, the total primary energy consumption will be controlled at about 4.8 billion tons of standard coal and the total coal consumption will be controlled at about 4.2 billion tons. The "Thirteenth Five-Year Plan" outlines: "The total energy consumption should be controlled within 5 billion tons of standard coal." Controlling the total energy consumption is actually the total consumption of coal and oil,Especially to reduce the proportion of coal consumption. In particular, strictly control the energy consumption of steel, cement, thermal power and other high energy-consuming industries and surplus industries, so that the total energy consumption of these industries will only decrease rather than increase.

　　The index to measure the efficiency of regional energy utilization is mainly the intensity of energy consumption, that is, the energy consumption per unit of GDP. The higher the intensity of energy consumption, the lower the efficiency of energy utilization, otherwise, the higher the efficiency of energy utilization. The change of energy consumption intensity reflects the change of energy consumption structure on the one hand; On the other hand, it also reflects the change of industrial structure. Premier Li Keqiang pointed out in his 2016 government work report that during the Twelfth Five-Year Plan period, "the energy consumption per unit of GDP decreased by 18.2%, and the discharge of major pollutants decreased by more than 12%." The goal of the "Thirteenth Five-Year Plan" period is to reduce energy consumption per unit of GDP by 15%.

　　Dual control of total energy consumption and energy intensity is an inevitable choice under the current economic restructuring, industrial upgrading and transformation, and air pollution control. We can’t wait for the peak of energy consumption to come naturally, so we have to take the initiative to regulate and break our wrists. From the perspective of energy management itself, to implement the goal of dual control, we must first change the demand-oriented energy production mode and turn to two-way management of demand side and supply side, improve energy utilization efficiency, ensure rational use of energy, encourage energy conservation, control excessive use of energy and limit extensive use of energy. In macroeconomic management, we should continue to increase the adjustment of industrial structure, speed up the development of modern service industry and cultivate and develop strategic emerging industries while transforming and upgrading traditional manufacturing industries. According to relevant research, if the secondary industry is reduced by one percentage point and the tertiary industry is increased by one percentage point, the energy consumption per unit GDP can be reduced by one percentage point. Obviously, the adjustment of industrial structure is the most effective measure to control the total energy and improve energy efficiency. The Outline of the Thirteenth Five-Year Plan puts forward: "Deepen the energy revolution, focus on promoting the transformation of energy production and utilization, optimize the energy supply structure, improve energy utilization efficiency, and build a clean, low-carbon, safe and efficient modern energy system."

Sean Xiao was interviewed by Oasis.

　　　　　　 Recently, Sean Xiao accepted an exclusive interview with Oasis. In an exclusive interview, Sean Xiao said that Oasis is a place where you can send whatever you want, and there are not so many rules, and laughed that scenery and food content are most likely to get your own praise. Talking about the recent frequent replacement of the Oasis head portrait, Sean Xiao admits that he is always casual, and uses childhood photos because fans have downloaded many versions, which is very interesting.

Asked about the difference between work and life, Sean Xiao used two metaphors: actor Sean Xiao is a "gear", because the gear needs to launch energy, and he also takes it as his work goal; Xiao Zhan in life is a "sofa". He wants to be comfortable and make people around him comfortable. As for which area of the oasis I want to challenge most as KOL, Sean Xiao said: "Gourmet bar, I’ve always wanted to be a pastry chef."

"I will not deliberately open my business in the oasis, and I will send whatever I want."

Sina Entertainment: What does Oasis mean to you?

Sean Xiao: Actually, it is to let everyone see something closer to everyone. Oasis is now a place for me to post whatever I want, and there are not so many rules and regulations.

Sina Entertainment: What kind of content do you prefer to send Oasis? What kind of content do you prefer to send to Weibo?

Sean Xiao: I didn’t make a distinction. I think I can send Oasis today, and I will send Oasis to Weibo. I think I can send a landscape photo today. Actually, you can’t send emoticons without saying Weibo. I will send them, too. Look at the mood, be casual.

Sina Entertainment: What is the business frequency of pets and expression packs in the oasis?

Sean Xiao: I really didn’t say "I want to open my business today" or "What am I going to send today" on the oasis. I think I just want to send whatever I want, and I will send whatever I want when I see anything interesting.

Sina Entertainment: Don’t worry about sending other small animals, is the nut girl jealous?

Sean Xiao: No, nuts are their own. No matter how cute other pets are, they are also others’.

Sina Entertainment: How did you choose the head of Oasis?

Sean Xiao: Oh, my God, I think it’s casual. Didn’t I send a photo of my childhood that day, and then I watched everyone p many versions, which I thought was quite cute. I said, why don’t you change the oasis head, just change the photo of my childhood. Spongebob: I think it means to be happy every day. I hope everyone can be happy, too. I smiled when I saw that smile, so I thought I could share it with you. I hope everyone can be happy, so I came out.

"Actor Sean Xiao is a gear, and Sean Xiao in life is a sofa."

Sina Entertainment: What is the most likely thing to be praised by Sean Xiao?

Sean Xiao: Pets, Scenery, Food.

Sina Entertainment: Like what kind of pet? Chai Chai?

Sean Xiao: Everything is OK, cats and dogs. Recently, I still like what’s its name? It’s a lovely big mouse. I forget its name. It seems to have a professional name, so it’s cute.

Sina Entertainment: What’s the P of the red cloak for the photo of "The Rest of My Life" on the oasis?

Sean Xiao: I just use Photoshop mobile version.

Sina Entertainment: Is that a lot of layers?

Sean Xiao: Actually, it’s fine. Just three or four floors.

Sina Entertainment: Why did you think of painting this?

Sean Xiao: At that time, I was just finishing the painting, and then I felt very tired, because it was actually a state of high-intensity continuous rotation. I remember that I went to sleep after finishing the painting, and I slept from the afternoon until about 9: 00 or 10: 00 the next morning. After I got up, I drew a picture of this, which I felt meant that I was revived with blood and ushered in a new stage.

Sina Entertainment: What is the biggest difference between Sean Xiao at work and Sean Xiao in life?

Sean Xiao: I think Sean Xiao at work wants to do everything seriously. This is a point that I can sum up myself. Then the Sean Xiao in life is as comfortable as it is, very casual.

Sina Entertainment: In one word, actor Sean Xiao is _ _ _ _, and Sean Xiao in life is _ _ _ _?

Sean Xiao: Wow, actor Sean Xiao is a gear, and then Sean Xiao in life is a sofa. Gear is to turn, to start energy, to operate energy, you have to let everyone see your energy, and gears are all card by card, which is to be accurate. Although I don’t think I’m as accurate as a gear now, let’s do it according to that goal, and of course we should take the work seriously. If I live, I hope my private life can be like a sofa, so that I can feel comfortable and the people around me can feel comfortable.

Sina Entertainment: If you want to be an oasis KOL, in which field do you feel most confident?

Sean Xiao: Good food. Actually, I’ve always wanted to be a pastry chef. Let’s talk about it if we have time and opportunity in the future.

Sina Entertainment: What fields do you want to see most in the oasis?

Sean Xiao: Pets, food and scenery, that’s about it.

In 2014, the global economic recovery was basically consolidated, the labor market continued to improve, prices fell steadily, and the level of public debt was generally stable. At the same time, the differentiation of economic growth rate of various economies has intensified, and international trade and foreign direct investment are still in a low-speed growth channel, lacking growth momentum. The International Monetary Fund (IMF) predicts that the world economic growth rate in 2014 will be 3.3% in terms of purchasing power parity (PPP) and 2.6% in terms of market exchange rate, which is 0.3 percentage points and 0.4 percentage points lower than its forecast data in October 2013, respectively. Considering the protracted crisis in Ukraine and the economic sanctions imposed on Russia by western countries, the spread of Ebola epidemic in West Africa and the continuous tension and turmoil in the Middle East, especially the fact that some major economies are facing increasing downward pressure and the time lag of stimulus policies, it is not excluded that the final statistical result of the world economic growth rate in 2014 will be lower than the current IMF estimate.

Review of the overall situation of the world economy in 2014

In order to comprehensively reflect the overall development of the world economy in 2014, the analysis of this report will be carried out from five aspects: economic growth, employment situation, price level, trade and investment, and public debt.

I. Growth: The recovery is slow and the growth rate is divided.

In 2014, the world economy generally continued the slow recovery of the previous year, and the economic growth rate was lower than generally expected, and the growth rate differentiation of various economies intensified. According to the forecast data of IMF in October, the world economic growth rate in 2014 was 3.3%, which was the same as that in 2013. The economic growth rate of developed economies is 1.8%. Among them, the US economic recovery was consolidated, with an increase of 2.2%; The euro zone economy reversed the negative growth of last year and increased by 0.8%; Japan’s economy declined, growing by 0.9%. The economic growth rate of emerging markets and developing economies is 4.4%, which continues the continuous decline since 2010. The economic growth rates of Brazil, Russian, Indian and China are expected to be 0.3%, 0.2%, 5.6% and 7.4% respectively.

Second, employment: overall improvement but different performance.

The US labor market improved significantly in 2014, and the unemployment rate continued to decline. In November 2014, the unemployment rate dropped to 5.8%, the lowest level since August 2008. Employment in Europe improved slightly. The seasonally adjusted unemployment rate in the first three quarters of 2014 was 11.6%, of which the unemployment rate in September was 11.5%. In the first three quarters of 2014, the unemployment rate in Japan further dropped to 3.7%. The employment situation in emerging market countries has generally improved, but the performance is not the same. In the first three quarters of 2014, the registered urban unemployment rate in China was 4.1%. In September, Brazil’s unemployment rate fell to 4.9%, the lowest monthly level since 2002. The unemployment rates in Russia and South Africa in the first three quarters were 5.1% and 25.4% respectively.

Third, prices: generally stable and declining, and the risk of deflation is rising.

In 2014, the global inflation level was lower than that in 2013. According to OECD statistics, in September 2014, the consumer price index (CPI) in the United States rose by 1.7% year-on-year, up by 0.2 percentage points from the end of 2013. The CPI of Germany, Britain, France and Italy increased by 0.8%, 1.2%, 0.3% and -0.2% respectively, which decreased by 0.6, 0.8, 0.4 and 0.9 percentage points respectively compared with the end of 2013. Japan reversed the long-term price downturn. In September 2014, the CPI rose to 3.2% year-on-year, up 1.6 percentage points from the end of 2013, and it is expected to be 2.8% for the whole year. According to the IMF forecast data, the inflation rate in emerging markets and developing economies was 5.5% in 2014, which was 0.3 percentage points lower than that in 2013.

IV. Trade and investment: Low growth

According to UNCTAD data, global trade in goods increased by 1.6% in the first half of 2014. According to the forecast data of the World Trade Organization (WTO), the global trade in goods increased by 3.1% in 2014. At the same time, the trade balance of major economies is generally balanced. According to UNCTAD’s forecast data, the global FDI inflow in 2014 was 1.618 trillion US dollars, an increase of 11.5%. Among them, FDI inflows in developed economies and developing economies increased by 34.8% and -1.8% respectively.

V. Public debt: stable and generally controllable.

The IMF predicts that the fiscal deficit of developed economies will fall to 3.9% of GDP in 2014, and the developed economies as a whole have curbed the rapid rise of government debt. It is estimated that in 2014, the total government debt of the United States, the euro zone and Japan will account for 105.6%, 96.4% and 245.1% of GDP, respectively, up by 1.4, 1.2 and 1.9 percentage points compared with 2013; The ratio of German government’s total debt to GDP is estimated to be 75.5%, down 2.9 percentage points from 2013. The fiscal deficit and public debt of emerging markets and developing economies both increased slightly. In 2014, the fiscal deficit and total government debt accounted for 2.1% and 40.1% of GDP, respectively, up 0.4 and 0.8 percentage points from 2013.

Characteristics of World Economic Operation in 2014

The world economy showed many new features and changes in 2014. To sum up, it is mainly manifested in the following aspects.

First, the adjustment of US monetary policy has produced spillover effects.

On October 29th, 2014, the Federal Open Market Committee (FOMC) announced that it would stop buying assets, thus ending the unconventional quantitative easing monetary policy (QE) launched in November, 2008. For other economies, the spillover effect of US monetary policy adjustment will bring great pressure to them. On the one hand, the gradual tightening of liquidity in the United States may lead to further capital flight from other economies, especially emerging markets and developing economies, currency depreciation and impact on its fragile banking system; On the other hand, the monetary policies of other economies have to be adjusted adaptively, thus adding new uncertainties.

Second, the monetary policy of developed economies has diverged

Although the Federal Reserve has begun to withdraw from quantitative easing and may enter the channel of raising interest rates in mid-2015, developed economies such as the euro zone and Japan continue to implement the largest expansionary monetary policy in history. On June 5, 2014, the European Central Bank (ECB) decided to cut the benchmark interest rate by 10 basis points to 0.15%, making it a record low. For the first time, the overnight deposit rate of banks was reduced to negative, which was -0.1%. On October 31, the Bank of Japan announced that it would expand the purchase scale of government bonds from 50 trillion yen to 80 trillion yen per year. Significantly, the unconventional expansionary monetary policies in Europe and Japan run counter to the adjustment direction of American monetary policy.

Third, emerging markets and developing economies have entered a medium-and high-speed growth cycle.

According to IMF data, from 2000 to 2012, the average annual GDP growth rate of emerging markets and developing economies was 6.2%, but since 2010, the GDP growth rate of emerging markets and developing economies has dropped from 7.5% to 4.4% in 2014. The reason is that the ultra-low interest rate environment for many years began to disappear with the turn of American monetary policy; Secondly, with the slowdown of growth and the weakening of unconventional incentive efficiency, the commodity boom cycle has come to an end; Thirdly, the dividend-rich period brought about by the previous reforms in various countries has come to an end, and the residual potential of the government supporting economic growth has been weakened; Finally, the opening cycle of developed economies has changed, and the opportunities for many emerging markets and developing economies to gain asymmetric benefits from the market opening of developed economies have decreased.

Fourth, international trade has entered a low-speed growth channel.

The reason for the mediocre growth rate of global trade is not only the slow growth rate of the global economy, but also the lack of progress in global multilateral and bilateral trade and investment liberalization negotiations. However, the more basic reason is the basic stereotype of the pattern of international trade division of labor. The fastest growth period of global trade after World War II occurred between 1989 and 2006, during which the growth rate of trade was 2-3 times that of economy, mainly due to the end of the Cold War, especially the beginning of fragmentation of production chain, which was marked by the establishment of the North American Free Trade Area in 1994. China’s entry into WTO in 2001 also greatly promoted the dazzling growth of international trade. Since 2007, with the establishment of global value chain, the world has entered a period when trade and output have increased at the same level.

Five, multiple factors lead to the collapse of crude oil prices.

On December 18, 2014, the average price of crude oil in the spot market in London, England, fell to $56.1/barrel, which was nearly 50% lower than the high point in June. The direct cause of the drop in crude oil price is the weakness of energy demand and the increase of supply. The growth rate of major energy importers such as Europe and China has slowed down, and the United States has also reduced its crude oil imports due to the continuous increase in oil and gas production, resulting in a decrease in energy demand in the international market. At the same time, Russia and Saudi Arabia, two major oil producers, have recently increased their production. Oil supply and demand and price changes are also due to the oil-gas game between the United States, Saudi Arabia and OPEC and the reduction of Russian oil revenue by western countries by suppressing oil prices. In addition, the US dollar index has been fluctuating and rising since the Federal Reserve gradually withdrew from the quantitative easing policy, which has contributed to the decline in oil prices. The sharp fluctuation of oil prices has a far-reaching impact. It is estimated that a drop of $10 per barrel in oil price means that 0.5% of global GDP is transferred from oil exporting countries to oil importing countries.

6. Global debt continued to rise and began to threaten the consolidation of recovery.

According to the Geneva World Economic Report, in 2001, the global total debt covering the private sector and the public sector accounted for 160% of the national income; In 2009, after the outbreak of the financial crisis, this proportion was about 200%; In 2013, this proportion rose to 215% again. Judging from historical experience, all "economic miracles" will come to an end after the debt is high. High debt level inevitably requires maintaining a low level of interest rate, otherwise the debtor will face great pressure to pay off debts. However, the global interest rate level is generally low, and the cost of borrowing is reduced, thus accelerating the accumulation of debt. The coexistence of low interest rates and rising asset prices makes the balance sheet look less stretched. However, once there is a global leverage crisis-asset price decline forces credit crunch-or a liquidity crisis, asset prices will fall further and form a vicious circle. At present, some economies have seen the trend of "toxic combination" of low inflation, low growth and high debt accumulating. De-leveraging is both imminent and has a long way to go.

Seven, Western sanctions against Russia have led to subtle changes in international economic relations.

On March 16th, 2014, the Crimea and Sevastopol regions of Ukraine held a referendum on the issue of "leaving Ukraine and entering Russia". On the 17th, the Crimean Parliament declared its independence from Ukraine and applied to join the Russian Federation according to the results of the referendum. On the 18th, the Russian Federation signed a treaty of accession to Russia with the Republic of Crimea and Sevastopol. As a result, western economies, represented by the United States and Europe, began to launch several rounds of economic sanctions against Russia, which covered the prohibition of entry of specific personnel, freezing of assets of entities and individuals, suspension of financing cooperation, embargo on specific commodities and restrictions on technology transfer. The economic sanctions imposed by western countries have a rapid adverse impact on Russia, such as capital flight, devaluation of the ruble, slow growth and reduced trade. At present, western sanctions against Russia have had an impact on the flow of international trade and the closeness between countries. If sanctions persist and are constantly strengthened, it is likely to cause profound changes in global geopolitics and economy.

8. China has played a prominent role in international and regional cooperation.

At the summit held in Brazil in July 2014, BRICS leaders decided to start the preparatory plan for the BRICS Development Bank. The BRICS Development Bank, which is expected to officially start operation in 2016, marks that BRICS cooperation has entered a substantive stage of institutionalized construction. On October 24, 2014, 21 countries signed a memorandum on the establishment of an Asian infrastructure investment bank in Beijing. In November 2014, the supreme leader of president, China announced the establishment of the Silk Road Fund at the 2014 Asia-Pacific Economic Cooperation (APEC) Business Leaders Summit to provide investment and financing support for infrastructure construction, resource development, industrial cooperation and other related projects along the Belt and Road; In the same month, 21 members of Asia-Pacific Economic Cooperation (APEC) gathered in Beijing to discuss such important issues as "promoting regional economic integration", "promoting economic innovation, development, reform and growth" and "strengthening all-round interconnection and infrastructure construction" around the theme of "building a future-oriented Asia-Pacific partnership", and new progress has been made in the construction of the Asia-Pacific Free Trade Area (FTAAP).

Income inequality is increasingly threatening the long-term growth of the world economy.

The inequality of income and wealth has become an unavoidable problem today. According to the British "Economist" data, at present, the richest 8.6% of the adult population in the world owns 85.3% of the world’s wealth, while the poor, who account for 69.8% of the world’s total population, own only 2.9% of the world’s total wealth. A booster that makes income distribution the focus is Thomas? The publication of Picchetti’s Capital in the 21st Century. Picchetti’s core view is that the rate of return on private capital is greater than the growth rate of output, which means that wealth accumulation is faster than the growth of output and wages, which inevitably makes entrepreneurs gradually become rentiers and make them dominate those who have nothing but labor ability more and more strongly; The proper solution is not to levy enough taxes on capital, but to levy an annual progressive capital tax in order to protect the incentives for new primitive accumulation.

Prospect of the overall situation of the world economy in 2015

According to the forecast data of IMF in October 2014, the world economic growth rate calculated by PPP in 2015 was 3.8%. Among them, the developed economies grew by 2.3%, the United States by 3.1%, the euro zone by 1.3% and Japan by 0.8%. Emerging markets and developing economies as a whole grew by 5.0%, China by 7.1%, India by 6.4%, Brazil by 1.4%, Russia by 0.5% and South Africa by 2.3%. At the market exchange rate, the world economy grew by 3.2% in 2015. In June 2014, the World Bank predicted that the world economic growth rate calculated by PPP and market exchange rate in 2015 would be 4.0% and 3.4% respectively. In May 2014, the United Nations predicted that the world economic growth rate calculated by PPP and market exchange rate in 2015 would be 3.8% and 3.2% respectively. In May 2014, OECD predicted that the world economic growth rate calculated by PPP in 2015 would be 3.9%. Looking forward to the world economic trend in 2015, there are the following problems worthy of attention.

First, the extent to which the monetary policies of the United States run counter to those of other important economies such as Europe and Japan and the seriousness of the consequences.

With the withdrawal of quantitative easing policy from the United States, whether to raise interest rates has become the focus of US monetary policy. Once inflation rises, the probability of the Fed raising interest rates in the first half of 2015 will increase. While the monetary policy in the United States is tightening, Europe and Japan continue to increase the stimulus. This reverse macro policy will have many effects, the most obvious of which is exchange rate fluctuation. The appreciation of the US dollar is beneficial to the recovery of European and Japanese exports, but at the same time, it will cause capital to gather in the United States, thus offsetting the effect of the loose monetary policy of the European and Japanese central banks. If the exchange rate of the US dollar fluctuates greatly, it will also cause large-scale changes in global asset prices and capital.

Second, the possibility of the European economy out of the downturn

At the beginning of November, 2014, the Council of the European Central Bank finally agreed to inject 1 trillion euros (about 1.24 trillion US dollars) for the purchase of guaranteed bonds and asset-backed bonds, so as to prevent the euro zone economy from falling into deflation. The balance sheet of the European Central Bank expanded from 2 trillion euros to the peak of 3 trillion euros. If the euro zone continues to face the threat of Japanese-style deflation, this move will also pave the way for the large-scale purchase of government bonds in the future. The Council of the European Central Bank also decided to keep the refinancing rate at an ultra-low level of 0.05%. Such a large-scale and long-term loose monetary policy has laid a hidden danger for the long-term growth of the economy while preventing further deterioration of the economy. Without the corresponding and powerful investment and growth support of the real economy, it is difficult to completely rule out the possibility that the European economy will fall into recession again.

Third, the ultimate effectiveness of "Abenomics"

In 2013, after the first two arrows of "Abenomics" were launched, it achieved certain results, and the Japanese economy achieved a growth rate of 1.5%. However, since 2014, the market’s policy expectation of "Abenomics" began to decline, and the signs of Japanese economic stagnation also appeared. The main reason is that the third arrow of "Abenomics" has not been shot, that is, the existing policies have not fully touched on structural reforms, such as rigid labor market and excessive corporate tax. At the same time, the ultra-high level of national debt, aging population, declining productivity growth, slow progress in agricultural reform and the second round of consumption tax increase from 8% to 10% in 2015 will all affect the realization of the "Abenomics" goal to varying degrees.

Fourth, the scope, intensity and effectiveness of the new round of reform in major emerging economies

In order to implement the strategic plan of the 18th CPC National Congress on comprehensively deepening reform, the Third Plenary Session of the 18th CPC Central Committee in November 2013 adopted the Decision of the Central Committee of the Communist Party of China on Several Major Issues of Comprehensively Deepening Reform, covering 15 fields and 60 specific tasks. At present, some reform measures have been implemented. In May 2014, the new Indian Prime Minister Narendra? After Modi took office, he immediately launched a large-scale economic reform plan with the goal of "economic growth", including increasing investment, promoting industrial growth, improving the business environment and strictly controlling the fiscal deficit. The "dividend" released by the reform of China and India will directly determine whether they can continue to maintain the current medium-to-high-speed sustainable growth situation. At the same time, whether the economic downturn of Brazil and Russia can be contained will also have an important impact on the economic performance of the entire emerging markets and developing countries.

V. Potential risks in the global financial system, especially in developed countries

According to the Economist magazine, the next crisis will come from the asset management industry. In 2013, global asset management companies managed assets as high as US$ 87 trillion, accounting for three-quarters of banking assets, of which Black Rock Asset Management Company managed assets of US$ 4.4 trillion, larger than any bank. However, these huge asset management companies are not systemically important financial institutions (SIFIS), so they are not supervised by financial supervision departments. In order to meet the conservative accounting requirements, their profit model has begun to become an unstable amplifier, among which the fastest growth is the exchange-traded funds active in the short-term bond market. In January 2014, the Financial Stability Board (FSB) raised the question of whether to include asset management companies in SIFIS, and the Bank of England also warned about the potential harm of its activities. Once there is a problem with an asset management company that is less regulated, its chain reaction is bound to spread rapidly.

VI. Trends of geopolitics and economy

The scope, intensity and duration of sanctions imposed by western countries on Russia will not only affect the economy of Russia and countries with close economic relations with it, but also affect the geopolitical relations of relevant countries. After the mid-term elections in November 2014, the Republican Party controlled the Senate and the House of Representatives, which made the Democratic President a "lame duck" prematurely, and also added variables to the sensitive and subtle big country game. As an important energy center in the world, the stability of the Middle East is closely related to the rise and fall of the Islamic State. Once a major terrorist attack succeeds in other countries in the world, the first to be affected is the supply and price of oil, and the further consolidation of the world economic recovery will also be threatened.

Seven, large-scale epidemic and natural disasters

In 2014, the outbreak and spread of Ebola in West African countries have had a negative impact on the economic and social stability of some countries. If it is not effectively controlled and spread to major economies, it will affect global economic growth. At the same time, sudden serious natural disasters will also bring shocks to the economies of relevant countries.

In view of the current basic situation of the world economy and various signs of its development trend, and based on the description and analysis of the overall operation of the world economy in 2014, this report holds that the probability of a sharp recovery of the global economy in 2015 is small, and compared with 2014, it is more likely that the economic growth rate will be basically flat or slightly increased, that is, the growth rate calculated by PPP is 3.3%, and the growth rate calculated by market exchange rate is 2.8%. Among the four major economies in the United States, Europe, China and Japan, China is still likely to continue the inertia of the past years and become the country with the greatest contribution to global economic growth.

(The first author is the director of the Institute of World Economics and Politics, Chinese Academy of Social Sciences; The second author is the deputy director of the International Political Economy Research Office of the Institute of World Economics and Politics, Chinese Academy of Social Sciences)

(Contemporary worldmagazineAuthorized People’s Daily Online-the Communist Party of China (CPC) Press Release, please do not reprint.)　 　

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　　(40 years of reform and opening up, gathering overseas Chinese hearts) Overseas Chinese affairs are open and upgraded, and overseas Chinese enjoy the "welfare" of reform.

　　China news agency, Beijing, December 6 (Reporter Zhou Xinmai) In 1978, the Third Plenary Session of the Eleventh Central Committee of the Communist Party of China (CPC) opened the prelude to China’s reform and opening up. Deng Xiaoping’s assertion that "overseas relations are a good thing" has made the field of overseas Chinese affairs one of the important breakthroughs in reform and opening up.

　　Over the past 40 years, with the gradual advancement of reform and opening up, China’s overseas Chinese affairs work has constantly presented a new situation. The fruits of reform and opening-up have benefited all aspects of the survival and development of overseas Chinese and their relatives.

　　Economically, overseas Chinese businessmen continue to gain valuable opportunities. In 1983, the Central Committee of the Communist Party of China and the State Council pointed out in their instructions on strengthening the utilization of foreign capital that "overseas Chinese and compatriots from Hong Kong, Macao and Taiwan Province are given special preferential treatment for investment in China"; The Interim Provisions of the State Council on Preferential Investment for Overseas Chinese promulgated in 1985 stipulates that "overseas Chinese investors can choose to invest in sole proprietorship, joint venture or cooperative operation with state-owned enterprises, joint venture or cooperative operation with collective enterprises".

　　Taking advantage of the policy east wind, groups of overseas Chinese businessmen came to China to invest and start businesses. As a result, many small start-ups have made great returns from scratch and from small to large.

　　For example, "Red Bull" was a functional drink invented by Xu Shubiao, a Thai Chinese, in 1975. It was only a niche brand in Thailand in the early days, and became famous in 1993 because it opened the China market, which laid an important foundation for its later leap to become a world brand. For another example, Zhang Yin, an American returned overseas Chinese, took the opportunity of reform and opening up to establish nine dragons paper Co., Ltd. in 1996, and now it has become the world’s largest modern packaging paper papermaking group.

　　Helping overseas Chinese businessmen seize the opportunity of the times, China’s overseas Chinese affairs work has never stopped. Since 2014, the State Council Overseas Chinese Affairs Office has successively established 16 overseas Chinese business clusters and overseas Chinese innovation and entrepreneurship bases-"Overseas Chinese Dream Garden" in cooperation with local governments. Provide tailor-made comprehensive services for the special needs of overseas Chinese to invest and start businesses.

　　In addition, national non-profit organizations such as China Overseas Chinese Merchants Investment Enterprise Association have built a bridge between overseas Chinese businessmen and government departments; Mechanism meetings such as "Hua Chuanghui", "Hua Expo" and "ASEAN Chinese Chamber of Commerce" have built a platform for docking negotiations and win-win cooperation between overseas Chinese businesses.

　　Legally, the protection system for the rights and interests of overseas Chinese is improving day by day. In 1991, the Law of People’s Republic of China (PRC) on the Protection of the Rights and Interests of Returned Overseas Chinese and Their Families came into force; In 1993, the Measures for the Implementation of the Law on the Protection of the Rights and Interests of Returned Overseas Chinese in People’s Republic of China (PRC) was promulgated.

　　In 2015, China’s first provincial local regulation on the protection of the rights and interests of overseas Chinese, Regulations on the Protection of the Rights and Interests of Overseas Chinese in Guangdong Province, was promulgated. Fujian, Hubei, Shanghai, Zhejiang and other places subsequently promulgated regulations.

　　At present, although there is no legislation on the protection of overseas Chinese rights and interests in China, the provisions concerning the protection of overseas Chinese rights and interests have been scattered in various laws and regulations with different levels and effects. It plays a substantial role in protecting overseas Chinese in many fields, such as identity identification, returning to China to settle down, medical education, social insurance and so on.

　　Liu Guofu, a professor at Beijing Institute of Technology Law School, said that these beneficial explorations and accumulations will certainly promote the legislative process at the national level.

　　Culturally, the spiritual nourishment of overseas Chinese is becoming more and more abundant. In order to enrich the cultural life of overseas Chinese, since 2009, the large-scale "Cultural China Four Seas in the Same Spring" has performed 450 performances in 332 cities in 160 countries around the world, with more than 7 million live audiences and hundreds of millions of online and TV viewers.

　　In order to continue the cultural heritage of the new generation, in recent years, more than 300,000 Chinese teenagers from more than 110 countries and regions have participated in the "root-seeking tour in China", which has enhanced their sense of national identity and pride; More than 20 thousand overseas Chinese schools, with the care and help of overseas Chinese affairs departments, spread the seeds of Chinese culture all over the world; Higher overseas Chinese schools such as Jinan University and Huaqiao University frequently adopt policies to encourage overseas Chinese students to return to China for further study.

　　In terms of people’s livelihood, it serves all aspects of overseas Chinese and warms their hearts. The data shows that at present, 2750 overseas Chinese affairs handling windows have been set up in the administrative affairs halls of governments at all levels in China, and 43,000 overseas Chinese affairs are handled annually; 2,174 overseas Chinese workstations "Overseas Chinese Homes" have been built, covering overseas Chinese communities in China. Special groups, such as overseas Chinese intellectuals, overseas Chinese machinists, and overseas Chinese returning from overseas Chinese farms, have received various forms of care and care.

　　Facts have proved that the vast number of overseas Chinese and their relatives who have returned overseas Chinese are not only pioneers, participants and contributors to China’s reform and opening up, but also real beneficiaries. As an inseparable part of the Chinese nation, they share the happiness and glory brought by this great change. (End)

　　Beppu Hot Springs in Japan

　　Beppu Hot Spring in Japan is located at the head of Batang. It refers not only to a hot spring or hot spring hotel, but also to a regional concept, especially in hotels or Japanese hotels on Beppu Bay. The semi-open Tangquan Pool is very close to the sea, so you can see the sunrise at sea in the morning and enjoy the sunset at night. The body is soaked in the hot spring of rose fragrance, and it is involuntarily drunk by water. The hot springs here have good water quality, have the effect of beautifying muscles or treating diseases, and have a good reputation in Japan.

　　Korea Jingangshan magical jade soup

　　Takinoyu, the magical jade in Mount Kumgang, South Korea, has caused a sensation in the Korean hot spring world with its pure jade three warms paved with 100% Korean jade. Even the walls and ceilings of the three warms are all made of jade, and so is the outdoor wind of jade. It is said that 40% of the composition of jade is manganese, and the hidden manganese in human cells can drive the blood circulation in the body, repair the cell tissue, neutralize the blood acidity and alkalinity, and excrete aging substances harmful to the human body.

　　Bali SPA

　　This is a relaxation method combining the five senses, emphasizing the environment, incense and music during massage, and using ancient massage techniques and various thoughtful services to achieve real relaxation. As early as the 13th century, Balinese people knew how to use the plant characteristics of natural herbs and spices to eliminate toxins in the body, promote blood circulation and keep skin soft and smooth.

　　New york chocolate SPA

　　Don’t think that chocolate can only make people feel sweet from the taste, but it can actually make the body get sweet moisture. When the dark brown liquid gently flows through your cheeks and body, you will be surrounded by the unique aroma of chocolate until it is sweet to your heart.

　　France wine SPA

　　Wine has always had a magical effect on women’s health and beauty, and in order to keep beautiful, the French, who has always spared no expense, has a new idea this time. In Bordeaux, France, the hometown of wine, the hot spring Spa has an upgraded version-wine Spa. Fill the oak barrel with wine, plant essential oil and dead sea mud, soak for 20 minutes first, and then use wine yeast, honey and essential oil to apply all over the body. Slide your body slowly into the steaming light red wine, and soon your body will be slightly hot and comfortable.

　　Czech beer SPA

　　There is a brand-new beer bath in the town of chodova plana near Maria, a famous hot spring city in Czech Republic. Guests can lie comfortably in the "beer" with a bottle of beer at hand and enjoy the "moisture" of the beer wholeheartedly. Vitamin B1 contained in beer has a therapeutic effect on eczema, while hops contain substances that make people stable. Hot spring water used in beer bath is rich in iron, magnesium, zinc and other minerals, which can relax human muscles, activate joints, improve cardiopulmonary function and strengthen blood circulation, and the appropriate temperature of 34℃ can also make joints warm and relax the whole body.

　　Tengchong Wenquan Group in Yunnan Province

　　Tengchong is located in the west of Yunnan Province, the west of Nujiang River and the west slope of Gaoligong Mountain. It is adjacent to Myanmar, and it is a frontier defense for China’s southwest border. Tengchong was originally called Tengyue, but it was renamed Tengchong in the late Qing Dynasty. The territory of mountains and rivers side by side, basins alternate with each other, mountains are high and valleys are deep, plants are dense, and natural scenery is magnificent. However, Tengchong is the most famous: strange and spectacular volcanoes and hot springs all over the county.　

　　Soak hot springs in the snow of Changbai Mountain.

　　Changbai Mountain is a giant compound dormant volcano, and its unique volcanic origin forms the resource characteristics of many cold springs and many hot springs. Changbai Mountain Hot Spring is a hot spring with high temperature. The spring temperature is above 60 degrees Celsius, and the hottest spring can reach 82 degrees Celsius. In the snowy world, there is a misty and dense place to soak here and enjoy the artistic conception of ice and fire.

　　Related reading: The most unmissable hot spring resort in the world: the ancient baths in Rome, England (photos)

　　　　　　　　　　　 Enjoy the indulgence temptation of spas in Asian countries.

　　　　　　　　　　　 Five kinds of super special spas (Figure)

　　　　　　　　　　　 Bali: Romantic Stimulation Let’s make a SPA together (Photos)

On Haier’s entrepreneurial platform, more and more non-Haier employees are pouring in, and Qiu Xingyu is one of them.

Before joining Haier as a maker, Qiu Xingyu worked in a financial consulting company that had business dealings with Haier. At that time, the consulting company made a due diligence report for the World Bank’s support to China, and Qiu Xingyu’s team undertook the task of in-depth analysis of agriculture. They believe that in the future, China’s agriculture will enter a stage of rapid development, and may even usher in a blowout state like the real estate industry.

Such an experience has accumulated a lot of experience for Qiu Xingyu to later grab Haier Financial’s entrepreneurial project. In 2013, when she participated in the consulting project of Haier Finance, she learned that the other party had plans to carry out financial leasing business, specifically providing financial services for external industries. To this end, Haier also established a financial leasing company in Shanghai Free Trade Zone with Bohou Strategy Company where Qiu Xingyu is located.

The five major industrial financial projects released by Haier Financial Platform include consumer finance, food agriculture, medical care, green finance and community finance. Interested teams can participate in the competition with business plans. Haier is responsible for providing start-up funds and corresponding entrepreneurial services, while small and micro companies are responsible for specific management, and all decisions are finalized by makers themselves.

Maker and Xiaowei are one of the internal reform concepts put forward by Zhang Ruimin, Chairman and CEO of Haier Group. According to his idea, Haier is now mainly composed of three types of people. The first is the platform owner, and positions like Zhou Yunjie, the rotating president of Haier, belong to the big platform owner. The second is small and micro-owners, which refer to start-up companies established on different platforms within Haier. The third type of makers are entrepreneurs who hold certain shares in small and micro companies. They need to sign a gambling agreement with Haier, and only when they reach a certain target value can they cash in their shares. For example, Qiu Xingyu’s company belongs to micro-owners, and Qiu Xingyu himself is a maker.

Qiu Xingyu led a four-person team to win food and agriculture projects from a group of small and micro companies that grabbed orders at the same time, leading the way to do industrial finance. This is just the same as Haier’s industrial finance thinking. Previously, she had 8 years’ experience in financial leasing consulting industry. Financing lease, also known as equipment lease, refers to a lease that essentially transfers all or most of the risks and rewards related to asset ownership. The ownership of assets may or may not be transferred eventually.

In all food agriculture, Qiu Xingyu chose to start with the egg industry in the aquaculture industry. By investing in fixed assets for the upstream egg companies, laying hens were used as a kind of equipment for financing, and the related companies in the upstream industrial chain were joined together to achieve overall food quality control and ensure stable output. So far, the financial products developed by this small and micro company have been updated to the fourth generation products.

Specifically, in order to ensure the safety of food raw materials, egg companies need to fully control the purchased feed, vaccines, chickens, breeding environment and processes, and inevitably have a large amount of fixed assets investment. Qiu Xingyu’s first generation products mainly solve the problem of fixed assets investment, and lease the equipment to egg enterprises for use.

After the fixed assets are built, aquaculture still needs liquidity. This small and micro company has also developed a model of using biomass as a tool to carry out financing. Generally speaking, in the financial field, real estate and cars were usually used as collateral, but Qiu Xingyu’s team realized that domestic animals such as chickens, cows and pigs could be used as collateral. This is the second generation product.

In the third generation, it mainly solves the problem of liquidity in sales. The fourth generation is to build an ecological circle with feed suppliers, breeding equipment suppliers, leading enterprises of egg products and farmers. Feed suppliers provide feed and vaccines, guarantee companies are responsible for loans, Qiu Xingyu’s Xiaowei is responsible for providing fixed assets, farmers are responsible for breeding, and egg products companies are responsible for sales. Next, this small and micro company also wants to develop into a platform.

This model quickly gained market recognition. From May 2014 to August this year, the business volume of this small and micro company has reached 1 billion yuan, and the team members have expanded from 4 to 24, all of which are from outside Haier.

According to Qiu Xingyu’s introduction to the interface journalist, there are 9 maker teams under the entire Haier industrial financial platform, covering medical care, healthy consumption, intelligent transportation, community finance, logistics, food agriculture and other aspects. Among these maker teams, Qiu Xingyu’s small and micro companies have the highest comprehensive income and financial indicators, especially gross profit, although the business volume is not the largest. The gross profit in the first half of this year reached more than 30 million yuan. In the next three years, she hopes that the company’s business volume will reach 10 billion yuan.

From the perspective of Haier Group, Haier’s industrial finance is a big platform. Maker and Xiaowei are only part of Haier’s industrial finance, and Haier Finance itself has many investment projects. Haier Finance is also divided into two small platforms: one is called Sharing Center, which mainly provides financial and human resources services for small and micro companies on the platform; The other is called the resource center, which is mainly responsible for the consulting business of small and micro companies. There is a cooperative relationship between small and micro companies and the above platforms, and the completeness of small and micro companies determines the resources that can be obtained at the level of Haier’s big platform and the mechanism of profit distribution.

If the team maturity of small and micro companies is 80%, it means that many functions need to depend on the platform. Due to the settlement relationship with the platform, you need to pay separately for some services provided by the platform, and you need to pay part of the profits to the platform. If the functions of small and micro companies are relatively perfect, and the business, administration, finance and other work are all done by themselves, then all the profits distributed may be owned by themselves.

At the beginning of the business, Qiu Xingyu’s team started in the form of Haier Microfinance Division, and they further derived their own small and micro company Hainong Investment Co., Ltd. to match the above projects. "It is usually necessary to get a financial license to carry out financial business. If I set up a company alone, it is difficult to get this license. It is not a problem to do this on Haier’s financial platform." She said.

Haier’s financial business, together with traditional household appliances and logistics business, has become the three major components of Haier’s overall revenue. Although this large-scale company has a strong gene for home appliance manufacturing, it has been trying to transform to the Internet since 2012.

Different from many traditional manufacturing companies’ attempts to set up related departments separately for Internet, Haier’s reform wants to be more thorough, or to completely deny the current management system and subvert itself from various aspects such as organizational structure, management methods, revenue structure and profit distribution. In the past three years, small and large micro-companies have been established in Haier. Employees who join the micro-companies no longer enjoy Haier’s original fixed salary and need to advance and retreat with the micro-companies. In addition, some people choose to leave Haier.

"At the beginning of the reform, we didn’t understand why the company did it, and even many people would have resistance, which would touch some people’s interests after all ‘ Cake ’ . However, with the step-by-step advancement of maker thinking, some small and micro companies have achieved initial results, and everyone has slowly begun to accept it. More and more people are looking for entrepreneurial projects that suit them. " An employee who has worked in Haier for many years told the interface journalist.

According to the interface journalist, with the acceleration of Haier’s internal reform in the past two years, about 20 platforms and 183 small and micro companies have been formed. The entrepreneurial projects involve products such as home appliances and smart wearable devices, as well as services such as logistics, commerce and culture. There are also more and more outsiders who choose Haier platform to start their own businesses.

Before the reform, Haier had 86,000 employees, and after the reform, it was 60,000. According to the statement given by Haier, these 60,000 people belong to makers, and it can also be understood that Haier’s internal entrepreneurship is that every employee is involved. The remaining 26,000 people have been laid off by Haier.

"We encourage nearly 10,000 managers to transform, either to become entrepreneurial teams or to leave." Zhang Ruimin said earlier when attending a business forum. In this way, he hopes to speed up the efficiency of organizational communication, make the huge Haier have flexible components, and can set up or disband the team at any time as needed, and at the same time encourage each employee to become more active and work with the mentality of entrepreneurs rather than executors.

Just as many startups will face various business risks, these small and micro companies on Haier platform may declare failure at any time. After all, only a few people like Qiu Xingyu can quickly open the market, and more small and micro companies are still in the stage of arduous exploration and development.

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CCTV News:WeChat official account, July 31st, 2008, WeChat released by Shanghai. In order to continuously consolidate the achievements of epidemic prevention and control, and find and control the epidemic risk as soon as possible, it was decided to carry out full-scale nucleic acid screening for streets (towns) with positive infection tracks in Jing ‘an District, Putuo District, Hongkou District, Yangpu District and Baoshan District and other administrative districts.

Each district should implement the territorial responsibility, reasonably organize open community nucleic acid sampling points, and carry out "three days and two inspections" from August 2 to August 4 (that is, complete two nucleic acid inspections within three days, at least 24 hours apart). Each district can arrange the screening time reasonably according to the actual situation of its own jurisdiction; It is necessary to fully launch and meticulously organize, and ensure that all personnel such as residential quarters, shops along the street, and guest (brigade) halls are included in the screening scope to ensure that no one is left behind. At the same time, routine screening on weekends is still carried out as planned.

All communities and units should strengthen the verification. During the screening period, the personnel in the above areas need to take nucleic acid samples within 24 hours to prove the communities (units and places).

The general public are requested to participate in nucleic acid screening and sampling in an orderly manner according to the arrangements of their towns and villages. During the sampling process, please do a good job of personal protection, wear masks in a standardized manner, and strictly keep the distance. Please also ask all towns, villages and units to do a good job in service guarantee.