分类： 上海花千坊

　　"The card is still there, and the money was stolen", "The credit card slip was abandoned casually, and money was lost", "Filling in the online questionnaire for the gift, and being harassed by the phone" … … These phenomena are not uncommon, and most of them are related to the disclosure of personal financial information.

　　At present, the Internet platform has become a widespread collector and user of personal information and data, but some institutions are not optimistic about the protection of consumers’ financial information. Recently, a research article published by the research group of the Financial Consumer Rights Protection Bureau of the People’s Bank of China pointed out that some head Internet platforms have some problems in terms of format, information collection and use, and marketing promotion.

　　Come and learn about the common "routines" used by some institutions to collect personal financial information, which will help you polish your eyes and "reverse routines".

　　1. The "terms" are rich in content and professional, and consumers are over-collected without knowing it.

　　When registering financial applications on mobile phones, there are often relevant clauses and privacy policy statements issued in the form of format contracts, requiring users to agree to authorization. However, most people have not carefully read these "terms" with various contents and strong professionalism. Even if consumers read the terms carefully, if they don’t agree, it often means that they can’t use the software.

　　As everyone knows, in actual implementation, such clauses often excessively collect the information of financial consumers. In addition to some necessary information, many Internet platforms have collected additional information about financial consumers’ identities, transactions, assets and liabilities, litigation information, performance information and judgment information of performance ability.

　　According to the relevant persons of the Central Bank’s Financial Consumer Rights Protection Bureau, on the one hand, the Internet platform has absolute "right to speak" on the scope of information collection, and the scope of "necessary information" collected is too wide; On the other hand, consumers may not really "know" or "agree" with the content of information collected by Internet platforms.

　　To this end, the Measures for the Administration of Credit Information Business (Draft for Comment) promulgated by the People’s Bank of China in January this year clearly stipulates that credit information collection by credit reporting agencies should follow the principle of "minimum and necessity" and should not be excessively collected. The collection of personal credit information by a credit reporting agency shall be subject to the consent of the information subject, and clearly inform the information subject of the purpose, information source and information scope of collecting credit information, as well as the possible adverse consequences of not agreeing to collect information.

　　2. Excessive tracking and collection of users’ "digital footprints", and "precision marketing" is highly induced.

　　Many people have this experience: only after searching for a brand new mobile phone, the consumer loan advertisement of small loan company appears in front of them; I just praised the face value of a star in a circle of friends, and the recommendation of medical cosmetic surgery and "cosmetic loan" came naturally … …

　　Behind these "precision marketing" is the "full mastery" of personal information of financial consumers by some Internet platforms. Driven by commercial interests, some large Internet platforms will excessively track and collect users’ "digital footprints" and improperly use data-driven marketing strategies.

　　Among the many "digital footprints" of users, all kinds of financial information, including account information, transaction information, credit information, etc., are the most valuable, which can build the "credit" pillar of large-scale Internet platforms. By digging up users’ financial behavior, analyzing the characteristics of users’ financial behavior and pushing a large number of financial marketing advertisements, "ahead of consumption" and "over consumption" are accepted by some people with fragile credit.

　　When more high-risk and low-net-worth people are attracted into the "unsecured consumer loan" trap, financial risks are quietly brewing. Therefore, the research group of the Central Bank’s Financial Consumer Rights Protection Bureau reminded that it is necessary to urge large-scale Internet platforms to tap the value of information under the premise of legality, compliance, reasonableness, reasonableness and moderation, and promote consumption upgrading, instead of "wool" information, let alone killing the goose that lays the golden eggs and exhausting the resources.

　　3. Internet platform improves the "availability" of credit, but often ignores the "affordability".

　　You don’t have to "grovel" in front of friends and relatives to borrow money. You just need to apply for a loan on the Internet platform and you will have the opportunity to get financial support. It is true that this has improved the "availability" of credit, but for people with fragile credit, behind the great temptation is the "affordability" that is easily overlooked.

　　In the view of the research group, the development of digital inclusive finance cannot be separated from the foundation of consumer protection and personal financial information protection, and it is necessary to urge large Internet platforms to establish the concept of "responsible finance".

　　The research group suggested that the financial business should be fully regulated according to law, the supervision of large-scale Internet platforms should be strengthened, the anti-monopoly review of large-scale Internet platform enterprises should be strengthened, and the financial marketing propaganda behavior of large-scale Internet platforms should be standardized.

　　4. How do consumers protect the security of personal financial information? Expert advice:

　　(1) Keep bank cards, ID cards, electronic banking authentication media, etc. properly, and never rent or lend them to others for use;

　　(2) In daily life or on the Internet, don’t disclose basic information such as bank card number, account password, SMS verification code and property status to others at will;

　　(3) Try to handle financial business in person, and don’t entrust unfamiliar people or intermediaries to guard against personal information being stolen;

　　(4) When downloading and installing the App or handling business in a third party, pay attention to the relevant authorization authority, carefully read the relevant agreements, contract terms and fill in personal information to avoid illegal use of important information;

　　(5) Do not discard transaction vouchers such as credit card purchase orders, ATM receipts, credit card statements, etc. The invalid financial business documents should be shredded or destroyed by a shredder;

　　(6) Be wary of telephone calls and emails asking you for personal financial information. If you encounter such situations, you should be vigilant and call the police immediately if necessary;

　　(7) When providing copies of personal identity documents for various businesses, the purpose of use shall be indicated on the copies to prevent the copies of identity documents from being used for other purposes. (Wu Yu, Tang Jianhui)

Beibei, the giant panda, rests in the animal house. Anyuan photo

　　Zhongxin. com, Chengdu, November 21 (Reporter Anyuan) Beibei, a male giant panda born in the National Zoo of the United States, returned to his hometown in the early morning of the 21st and stayed at the Bifengxia base in Ya ‘an, China Giant Panda Conservation and Research Center.

Beibei, a giant panda, is familiar with the new environment in the outdoor playground. Anyuan photo

　　According to the staff of Ya ‘an Bifengxia Base of China Giant Panda Protection Research Center, on the morning of 21st, as the special car carrying Beibei slowly pulled into the gate of Ya ‘an Bifengxia Base at night, the staff who had been waiting here gave a cheer. The winter night in Ya ‘an Bifengxia base was bitterly cold, but it did not affect everyone’s enthusiasm and passion for welcoming Beibei home. The staff unloaded the transport cage with Beibei in an orderly manner. Perhaps it is the fatigue of long-distance transportation, perhaps it is not suitable for the new environment, and "Beibei" is reluctant to come out in the transportation cage. After the Chinese breeder and American breeder patiently guided, communicated and appeased, Beibei, who gradually relaxed, bravely stepped out of the transport cage under the temptation of food and officially stayed in the giant panda quarantine area.

Hand over the giant panda "Beibei" file. Anyuan photo

　　On August 22, 2015, the male giant panda "Beibei" was born at the National Zoo in the United States. According to the agreement between the two parties, giant pandas born in the National Zoo of the United States need to return to China at the age of 4. In August this year, "Beibei" spent her 4th birthday in the zoo. It is understood that after learning the news of Beibei’s return to China, many fans in the United States expressed their reluctance and came to the zoo to say goodbye to Beibei. The zoo also held a series of farewell activities for Beibei.

　　It takes more than 16 hours to fly directly from Washington, USA to Chengdu, Sichuan. In order to make Beibei adapt to the long journey, the zoo has conducted physical examination and cage training for Beibei in advance, and prepared its favorite foods-bamboo, apples and carrots. The American breeder accompanied Beibei safely home all the way and will accompany Beibei at Bifengxia Base in Ya ‘an for several days to help him continue to adapt to his new home. Beibei will officially meet the public after the one-month quarantine period.

　　Zhang Zhizhong, director of the Wildlife Protection Department of the National Forestry and Grassland Bureau and secretary of the Party Committee of the China Giant Panda Conservation Research Center, said that he was very grateful to the National Zoo for its meticulous care and feeding of giant pandas. The China Giant Panda Conservation Research Center and the National Zoo have achieved fruitful cooperation in the management of giant panda breeding, artificial breeding, scientific research, public education and cultural exchanges. As an important platform for international cooperation and exchange of giant pandas around the world, the Center has carried out panda research cooperation with 16 zoos in 14 countries around the world. There are 32 giant pandas still living abroad, and a total of 21 surviving giant panda cubs have been bred. The development of international research cooperation on giant pandas can not only enhance the friendship between the two peoples, but also spread Chinese culture with giant pandas as the carrier, enhance the national cultural soft power and the influence of Chinese culture, and show the world a true, three-dimensional, comprehensive, peaceful and friendly image of China.

A few days ago, Tram Home learned that the new car will be officially listed on October 13. Previously, the new car has been pre-sold at the Chengdu Auto Show. The new car has announced 4 versions, and the pre-sale price range is 20.99-26 6,900 yuan. It has a 901km long pure electric battery life, a global 800V high-voltage silicon carbide platform, and a 5C charging rate.

In terms of appearance and styling, Landscape’s confidant continues the family style of design and provides two different styles of front face styling. One is a closed grille design in the same color as the body, and the other is a star mesh grille with concave treatment and a matrix arrangement of luminous Landscape logos in the center. Both styles have a high degree of recognition.

On the side of the car body, the simple waist line runs through to the rear of the car, making the whole car look more slender. At the rear of the car, the delicate taillight design echoes the front face, creating a harmonious and unified beauty.

The car body dimensions are 4725 mm long, 1900 mm wide, 1636 mm high, and the wheelbase is 2900 mm.

As for the interior part, the Lantu bosom friend central control is equipped with a large floating screen, and a large number of soft bag materials are used in seats and steering wheels. The overall style is simple without losing quality.

In the power battery life part, Landu Zhiyin will provide single-motor models and dual-motor models. The maximum power of the rear-drive model is 215 kW, and the maximum power of the four-wheel drive model is 320 kW. Among them, the long-life smart version CLTC has a cruising range of 625 kilometers, while the super-long-life smart version CLTC has a cruising range of 901 kilometers. In addition, Landu Zhiyin is also equipped with a global 800V electric drive system and 5C super fast charging technology. It only takes 10 minutes to charge 20-80%, and the battery life can reach 515 kilometers after 15 minutes of charging.

In terms of suspension, Lantu has adopted a front-McPherson and rear multi-link suspension structure, and is equipped with a CDC variable damping shock absorber, which can actively adjust the damping of the shock absorber according to road condition data to improve driving stability and comfort.

Source: Tram Home https://www.zhev.com.cn/news/show-1657898464.html

The picture shows the data picture.

The picture shows the data picture.

The picture shows the data picture.

The picture shows the data picture.

　　Text/Jason

　　The famous Italian architect Ernesto Rogers said: As small as a spoon, as large as a city, it should be designed. This classic quote was taken as a standard by later designers. For a lifestyle like you, is this not a life concept worth pursuing? Like designers, a passionate lifestyle is good at exploring the subtle relationship between people and everyday objects, knowing how to find inspiration in the details of life, and knowing how to understand the essence of life from perfect design.

　　Now, let’s feel the charm of design from every home detail. This issue of "magazine" has carefully selected a series of original home designs for you, where you can encounter the inspiration of masters, experience the joy of life everywhere – and more importantly, you can find your own way of life in them.

　　One chair comes first

　　Finnish furniture designer Ilmari Tapiovaara once said that chair design is the beginning of interior design. Almost every trend of design art is started by it. It can be said that choosing a new chair is choosing a new way of life, which brings not only novelty, but also the pleasure of participating in life and grasping life.

　　01 Danish designer Just Cavalli’s work: Between Two Chairs

　　02 Finnish designer Mikko Paakkanen’s work: Mummola1

　　03 Czech designer Borek Sípek’s work: a six-legged chair

　　04/05 VITRA Design Museum Collection: Miniature Collection

　　06 Swedish designer Alexander Lervik’s work: Transit

　　flash of inspiration

　　When you get home, the first thing you do is turn on the light. In the darkness, the light shines, and the familiar world suddenly develops. At that moment, the meaning of the light is greater than anything else. Perhaps because of this, the lighting design has a finishing touch on the entire living space, lighting it up, and also lighting up the inspiration of life.

　　01 Glass chandelier (from Gabbiani)

　　02 Works by Czech designer Borek Sípek

　　03 Peg chair, you can use the hole on the stool surface to place the table, standing lamp, backrest, etc. inserted on it at will

　　04 Finnish designer Perhonen’s lace lamp work: Brown Girl

　　05 Swedish designer Erika Lagerbielke’s spiral lamp work: EL

　　06 Dutch designer Marcel Wanders’ work: horse lanterns

　　sofa complex

　　In the newly renovated room, the sofa’s status is obviously overwhelming, not only because of the size that makes it stand out, but also because of its close relationship with life. As a synonym for "comfort", the sofa has enough charm to make people feel reluctant to leave, and the meaning of the sofa is that it can be connected to any content of life. It can be said that most sofa designs revolve around the shape that makes people fascinated and the maximum comfort, in order to make you fall into it.

　　on the wall

　　As the backdrop of the home environment, the wall has left a huge space for the design, and the hand-painted wallpaper is the best protagonist of this space. With the spread and development of wallpaper technology for hundreds of years, its texture has gradually evolved from the earliest paper to more sophisticated silk cloth, or even silk; the old hand-painted craftsmanship has still been passed down to this day; and the patterns on it blend the most classic artistic temperament of centuries, and sometimes add some harmonious fashion elements. Hand-painted wallpaper, because of these elements, can always exude an elegant and restrained charm.

　　01 Danish designer Just Cavalli’s work: "Folding-a" sofa

　　02/03 Dutch designer Marcel Wanders: Boutique sofa collection

　　04 Walls decorated with fine wall coverings (from Pierre Frey)

　　Creative Puzzle

　　From the walls of the earliest Sumerian shrines, to the houses and temples of ancient Rome, to the masterpieces of the genius architect Antoni Gaudi at the end of the 19th century, mosaics have shown their charm in every cultural cycle. Today, "neo-mosaicism" has quietly revived and permeated the subtleties of all aspects of life, and collage has endless possibilities for life. You can use your inspiration for life and your hands to pick through colorful pieces, and play a jigsaw game at will. Dress the bathtub in Burberry plaid, stick the floor in a leopard print pattern, and even the flush toilet can become an unparalleled work of art. In addition to the traditional mosaic bathroom space, artistic inspiration can also be played on small things such as photo frames, cups, bookshelves, vases, etc. – colors, patterns, creativity, everything is under your control… No wonder, in the residences of royal celebrities from all over the world, there are always exquisite hand-painted wallpapers accompanying them.

　　Private Garden

　　The bathroom space is the most important private garden in the living space. Because here is not only a place to cleanse the body and refresh yourself, but also a paradise to relieve stress and cleanse the mind. Therefore, bathroom products not only boldly expand their territory in the room, but also satisfy people’s all-round enjoyment.

　　01 Leather Bath with Crystal Faucet (from JCD)

　　02 Printed Basin (from Simas)

　　03 Chinese Flower and Bird Painting Basin (from Kallista)

　　04 Crystal Faucet (from JCD)

　　05 Top Mosaic Furnished Bathroom Space (by Bisazza)

　　desktop aesthetics

　　Compared with furniture in the general sense, the design of various household gadgets may better reflect the balance of practicality and aesthetics. It is like a fun game of creativity and life. The more a person cares about these inconspicuous gadgets, the more he can see his intention for life.

　　01 Porcelain Set (from Hermés)

　　02 Sterling Silver Fruit Basket (from Gianmaria Buccellati)

　　03 Crystal champagne glass, sterling silver ice bucket (from Christofle)

　　04 British designer David Chipperfield works: silver coffee pot, milk jug, sugar jar, tray

　　05 Crystal Red Wine Bottle (from Christofle)

　　06 Danish designer Pernille Vea’s combination vase work: Galerie

　　07 Finnish designer Heini Riitahuhta’s work: Pearl (Helmi) oil lamp

　　08 Silver kettle, fruit plate (from GIANMARIA BUCCELLATI)

　　09 American designer Michael Graves’ work: pepper grinder and salt shaker combination

　　10 Italian designer Aldo Rossi works: polished mirror steel cream bottle, polished mirror steel sugar bowl with spoon

Rumors about Xu Jiayin finally settled. On the evening of September 28, China Evergrande issued an announcement saying that the company had received a notice from relevant departments that Xu Jiayin, the executive director and chairperson of the board of directors of the company, had been taken compulsory measures according to law for suspected illegal crimes.

On the morning of the same day, China Evergrande, Hengda Automobile, and Hengda Property, three Hengda companies, announced that the company’s shares had temporarily stopped trading at 9 a.m., and the three Hengda companies had resumed trading shortly thereafter.

The three companies collectively suspended their trading, which made the market speculate that something big might happen to Evergrande. Unexpectedly, the relevant rumors about Xu Jiayin’s situation came true.

Many industry insiders believe that, as the head of Evergrande, Xu Jiayin was forced to take measures, which will affect the progress of the workout.

China Evergrande announced that Xu Jiayin, the executive director and chairperson of the board of directors of the company, has been taken compulsory measures according to law on suspicion of illegal crimes. Photo/IC photo

Lawyers say this could be just the beginning

Since September 23, news of Xu Jiayin’s situation has been circulating in the public. On September 28, China Evergrande, Evergrande Automobile and Evergrande Property suspended trading on the Hong Kong Stock Exchange, which caused many discussions.

Hengda did not respond to the reason why Xu Jiayin was taken coercive measures for suspected crimes.

Wang Yushen, director of Beijing Jinsheng Law Firm, analyzed that from the announcement, Xu Jiayin’s suspected crime has been "real" and coercive measures have been taken. This shows that the public security organs have relatively sufficient evidence of Xu Jiayin’s suspected crime, otherwise they will not take coercive measures against him.

Wang Yuchen further said that in the past, Hengda executives were investigated and now Xu Jiayin has been taken coercive measures, which all shows that Hengda has now entered a period of great crisis. Xu Jiayin’s coercive measures are probably just the beginning, and there may be a series of big moves in the future.

On the evening of September 16, the Nanshan Branch of Shenzhen Public Security Bureau announced that recently, the public security organs have taken criminal compulsory measures against Du and other suspected criminals of Evergrande Financial Wealth Management (Shenzhen) Co., Ltd. If investors need to report the case, they can register the case.

It is understood that on August 31 this year, Hengda Wealth official Weibo announced that because the company’s asset disposal progress was less than expected and no asset disposal funds were obtained, the company was unable to carry out this month’s redemption, and subsequent redemption arrangements will be announced separately.

For the Xu Jiayin incident, in the opinion of Yan Yuejin, Chief Research Officer of E-House Research Institute, the announcement issued by Evergrande this time confirms the fact that Evergrande’s debt problem is not a simple financial and economic dispute, but involves a large financial default and illegal operation. From this perspective alone, the anti-corruption work of real estate enterprises began with the incident of Hengda’s accountability, and other real estate enterprises have no chance of getting lucky.

Evergrande workout or face variables

Xu Jiayin was forced to take measures, the ongoing Hengda workout, or face variables.

Zhang Hongwei, founder of Mirror Consulting, said that without a decision-maker, Evergrande’s workout is expected to be interrupted for a period of time, and things will be delayed. Relevant departments are expected to take measures soon, such as a large enterprise hosting Evergrande.

Wang Yuchen believes that Xu Jiayin’s coercive measures may affect Evergrande’s workout. After all, Xu Jiayin, as the chairperson of Evergrande’s board of directors, has a significant impact on Evergrande’s future direction and the future development of Evergrande.

In fact, before this, Hengda workout has seen bad news.

On September 24, China Evergrande issued an update on overseas workout information, saying that in view of the investigation of Evergrande Real Estate, the current situation cannot meet the eligibility for the issuance of new notes. This means that Evergrande’s workout may face variables.

The announcement shows that all new bills to be issued under the proposed restructuring must comply with the "Trial Measures for the Administration of Overseas Issuance of Securities and Listing of Domestic Enterprises" issued by the China Securities Regulatory Commission and the "Measures for the Administration of the Examination and Registration of Medium and Long-term Foreign Debt of Enterprises" issued by the National Development and Reform Commission according to their applicable circumstances. China Evergrande must prove that it meets the relevant requirements. In view of the above reasons, China Evergrande’s current situation cannot meet the eligibility for the issuance of new bills.

Previously on August 16, Hengda Real Estate announced in the Shenzhen Stock Exchange that it had received the "Notice of Filing" issued by the China Securities Supervision Commission, because the company was suspected of information disclosure violations, according to the "Securities Law of the People’s Republic of China" and the "Administrative Punishment Law of the People’s Republic of China" and other laws and regulations, the China Securities Supervision Commission decided to file a case against Hengda Real Estate.

The issuance of new notes is an important part of China Evergrande’s workout plan. In the March workout plan this year, Evergrande Agreement Arrangement Plan 1 stated that the agreement arrangement creditors can obtain new notes at a conversion ratio of 1:1 of their recoverable amount. The new notes have a term of 10-12 years and will be repaid over time. Under Option 2, the agreement arrangement creditors can choose to convert their recoverable amount into: 5-9 years New Notes to be issued by the company.

In addition, under the Jingcheng Arrangement, creditors will receive five new notes issued by Jingcheng with a term of 4-8 years for a total principal amount of $6.50 billion. Under the Space-based Arrangement, creditors will receive four new notes issued by Space-based with a term of 5-8 years for a total principal amount of $800 million.

In addition to the blockage of new note issuance, China Evergrande’s overseas workout-related meetings have also been postponed again. According to China Evergrande’s announcement released on September 22, China Evergrande’s sales since March 22 this year have not been as expected. Based on the current situation of China Evergrande and its consultations with its advisors and creditors, China Evergrande believes that it is necessary to re-examine the terms of the proposed restructuring to match its objective situation and creditors’ demands. Therefore, the relevant agreement and arrangement meetings on the proposed restructuring originally scheduled for September 25 and September 26 will not be held. This is the third postponement.

The market is also concerned about whether Xu Jiayin’s coercive measures will affect "Baojiaolou"? Wang Yuchen said that Evergrande has many subsidiaries all over the country, and each company is relatively independent. Therefore, for buyers who bought Hengda houses but encountered unfinished business, as well as investors who invested in Evergrande, they need to pay close attention to the next direction of Evergrande, but do not worry too much. Now that the state has taken action, and the "Baojiaolou" involving so many ordinary people, there should eventually be a corresponding solution.

Duan Wenping, reporter of Beijing News

Editor, Yang Juanjuan, Proofreader, Yang Xuli

Sichuan Provincial People’s Government

Notice on the Appointment and Removal of Deng Chao and Other Positions

Chuanfu Letter [2024] No. 103

Municipal (prefecture) people’s governments, provincial government departments, and agencies directly under them:

The Sichuan Provincial People’s Government has decided to:

Appointment:

Deng Chao is the director of the Sichuan Provincial Energy Bureau;

Huang Zhi is the full-time deputy director of the Sichuan Provincial Railway and Airport Construction Office and the deputy director of the Sichuan Provincial Development and Reform Commission.

exempt:

Liang Wuhu’s position as director of the Sichuan Provincial Energy Bureau;

Deng Chao held the positions of full-time deputy director of the Sichuan Provincial Railway and Airport Construction Office and deputy director of the Sichuan Provincial Development and Reform Commission;

Huang Zhi is the full-time deputy director of the Sichuan Provincial Implementation Western Development Office (Sichuan Panxi Regional Resource Development Office).

Hereby inform.

Sichuan Provincial People’s Government

April 7, 2024