In April 2024, the registration for the self-study examination of higher education in Guangdong Province will be held from February 27th to March 9th. Specific related matters are arranged as follows:

First, the registration time

Freshman forecast time: from 10:00 on February 27th to 12: 00 on March 1st; Official registration time: from 10:00 on February 27th to 17:00 on March 1st.

Candidates’ registration time: from 14:00 on March 5 to 17: 00 on March 8; Payment time: March 6th from 10:00 to March 9th from 17:00.

Special note: the results of the self-study exam in January 2024 are expected to be announced on February 26th, so please pay attention to the candidates.

Second, the registration conditions

People’s Republic of China (PRC) citizens who live and work in our province, regardless of gender, age, nationality, race and education level, can take the self-study exam in our province. Compatriots from Hong Kong, Macao and Taiwan Province, overseas Chinese and foreigners can also take the self-study exam in our province as required.

Third, registration procedures

The first time you take the self-study exam, you must go through the registration procedures for freshmen before you can choose courses to apply for. Candidates who have registered as freshmen and obtained the admission ticket number and complete personal information can apply directly (see Annex 1 for the operation process). Candidates with incomplete personal information, such as blank ID number and name, lack of photos, etc., will not be able to apply for the exam. Please contact the local self-study examination office in advance to improve personal information in time so as not to affect the application.

Special note:

1. Starting from the examination in January, 2024, the nursing (undergraduate) major only accepts the diploma of nursing specialty (or above) issued by institutions of higher learning and higher education self-study examination institutions with academic qualifications, and has obtained the on-the-job personnel (clinical nursing technicians, nursing teachers, professionals engaged in nursing management) who have obtained the qualification of health practice. Candidates who apply for this major must upload the diploma of nursing specialty (or above), health professional qualification certificate and on-the-job certificate and sign a letter of commitment. I must ensure that the declaration and the submitted documents are true and valid. If they are false, I must bear all legal consequences (including but not limited to cancellation of academic certificates).

2. In April, 2024, four courses were added to the curriculum arrangement of the self-taught examination, including introduction to art (course code: 00504), procurement project management (course code: 03618), social psychology (course code: 04265), warehousing technology and inventory theory (course code: 07729) (for details, please refer to Guangdong Examination Office in official website, Provincial Education Examinations Institute [

(1) Registration of freshmen

Freshman registration is divided into two stages: pre-registration and formal registration.

1. Forecast name. Freshmen will make a name forecast through the entrance of candidates through the management system of self-taught examination in Guangdong Province (website: https://www.eeagd.edu.cn/selfec/, the same below). Candidates are required to enter their personal information and set their personal password when predicting the name. After successful prediction, they will get a unique prediction name, which is only valid once. Candidates must complete their mobile phone binding and photo collection before they can formally register. Please take good care of your self-study exam examinee number and password, and don’t disclose it to others. Don’t enter your self-study exam examinee number and password on a third-party website outside official website in order to avoid personal information disclosure. The ID photos collected during the identity verification of candidates are the archived photos of candidates in the self-taught examination management system (Annex 3), which will be used for all self-taught examination business including graduation certificate comparison.

Note: compatriots from Hong Kong, Macao and Taiwan Province are requested to use their ID cards to predict their names (enter personal information according to their ID cards) so as to go through graduation formalities smoothly in the later period.

2. Formal registration. This official registration is all online, and candidates must confirm the operation within the specified time with the current forecast name, and complete the official registration (refer to Annex 2 for operation). After the official registration is successful, you will get a unique admission ticket number, and all candidates must remember it.

Candidates who are unable to register online or whose registration information (including photos) fails to pass the examination due to changes in facial features should contact the self-study examination office of the city where the registration county is located in time to complete the formal registration according to the designated channels, and will not be accepted after March 2.

(2) Candidates apply for the exam

1. Candidates apply for the exam. All candidates must register for the course through the [Candidate Registration] channel of the self-study examination management system in Guangdong Province, and pay online. Candidates who are not bound to contact the mobile phone when applying for the exam must first bind their mobile phone before applying for the exam. If they need to modify the bound mobile phone, they can also unbind and rebind it through the [Mobile Phone Binding] function in the application menu bar. If you can’t untie your mobile phone by yourself, you can untie it at the self-study examination office of the city where the test area is located or its designated unit.

Candidates entering the self-study examination management system application page must carefully and completely read and agree to all the contents of the application instructions (including the Guangdong Province Self-study Examination Integrity Application Commitment, see Annex 4) before they can apply for the examination. In April, 2024, our province will continue to carry out the pilot work of candidates’ integrity application files in Guangzhou, and apply for candidates in various examination areas in Guangzhou. In violation of the Commitment on Integrity Application for Self-taught Examinations in Guangdong Province, if two courses or more are absent in the current examination without justifiable reasons, it will be deemed as being absent for no reason and recorded in the candidates’ integrity application files. In the next self-taught examination organized by the Provincial Examination Office, only no more than two courses can be applied for in each examination area in Guangzhou (non-pilot cities are still free to apply) Candidates should apply for the exam reasonably according to their actual situation and take the exam in good faith.

Candidates can choose a test area to apply for the exam according to the supply of test places in each test area. Each candidate can only apply for the exam once, and only one test area can be selected to take the exam. When saving or modifying the application information, SMS verification is required to confirm the candidate’s application operation. The contact mobile phone and mailing address confirmed at the time of applying for the exam will serve as an important channel for the self-study examination offices at all levels to contact the candidates in the current exam. Candidates must carefully check to ensure accuracy, and the consequences caused by filling in the wrong or filling in other people’s mobile phone numbers will be borne by the candidates. Candidates must carefully check whether the selected examination area and the courses they apply for are correct before confirming the application information. Once the examination area and the registered courses are confirmed by the candidates, they may not be added, deleted or changed. Once the registration fee is paid online, it will not be refunded. Candidates must log in to the self-study examination management system again after paying the fee, and check whether the payment status is "paid" to confirm whether the application is successful. If there is any problem, they should contact the local self-study examination office in time. Candidates should avoid registering for courses and paying fees at the last minute, so as to avoid missing registration and paying fees due to power failure, network congestion and other reasons.

2. Print the admission ticket. Candidates must log in to the Guangdong Provincial Self-taught Examination Management System to print the admission ticket within 10 days before the examination. The admission ticket will contain the seat information of the candidates to take the exams in each subject. The admission ticket is printed on ordinary A4 paper. It is strictly forbidden to forge, alter or alter it without authorization. It is strictly forbidden to make any marks on the front and back of the admission ticket. Candidates are requested to print the admission ticket in time within the above period. If there is any problem in the process of printing the admission ticket, please consult the self-study examination office of the city where the examination area is located.

Fourth, matters needing attention in taking the exam

All candidates must rely on the online self-printed admission ticket for the current exam and the original valid ID card (including the photo ID card issued by temporary id card and the public security organ for taking the national education exam, excluding electronic identity; Soldiers, compatriots from Hong Kong, Macao and Taiwan Province, overseas Chinese and foreigners can take the examination with the original corresponding documents registered in the examination. Candidates are requested to carefully read the Rules of the Examination Room for Self-taught Higher Education Examination in Guangdong Province (Annex 5), abide by the rules of the examination room, and take the examination in good faith.

V. Application for announcement and review of results

(1) Announcement of results

The results of this examination are expected to be announced at the end of May 2024, and the specific time will be subject to the announcement. At that time, candidates can check the qualified results through the self-study examination management system and all the examination results through the official WeChat applet of the Provincial Education Examinations Institute. Please pay attention to the relevant information on the official website of the Provincial Education Examinations Institute for specific arrangements.

(2) Application for grade review

1. Application review procedure. Candidates who have any objection to their scores in a certain subject must present their ID card and admission ticket to the self-study examination office in the city where they take the examination. Local and municipal self-study examination offices will arrange the specific acceptance time and place within 10 working days after the announcement of the examination results. Candidates are requested to pay close attention to the specific acceptance time and place announced by the self-study examination office in the city where the examination area is located, and will no longer accept the application for result review. The results review is limited to reviewing whether there are any missing comments, missing scores, wrong scores, wrong scores, grading standards, grading rules, and objections to the grading of answers are not within the scope of review.

2. Inform the results of the review. After the office of the Provincial Self-taught Examination Committee organizes a special person to review the examination papers in accordance with the relevant regulations, the results of the review will be notified to the candidates through the self-taught examination management system, and the candidates will be notified in writing if the scores are found to be wrong after the review (sent according to the communication address confirmed by the candidates at the time of registration); Candidates can also consult the results of the review to the local self-study examination office that accepts the application.

Sixth, illegal handling

The Office of the Guangdong Provincial Self-study Examination Committee will severely deal with candidates who cheat in violation of discipline in strict accordance with the Measures for Handling Violations of National Education Examinations and relevant regulations, and truthfully record relevant information in the integrity file. Those suspected of organizing cheating, taking exams and other illegal and criminal acts will be handed over to the relevant departments for legal treatment, and the majority of candidates must take the exam in good faith.

The notice in advance and the decision on handling violations will be mailed according to the contact mobile phone and mailing address confirmed by the candidates when they apply for the exam. Candidates can also inquire about violations through the Guangdong self-study examination management system after the results are announced.

VII. Others

(1) According to the Notice of Guangdong Provincial Department of Finance of Guangdong Provincial Development and Reform Commission on Standardizing the Administrative Fees for Education Examinations in the Education Department of Guangdong Province and Related Issues (No.442 [2022] of Guangdong Development and Reform Commission), the fee standard for written courses of self-study examinations in our province is 52 yuan for each subject.

(II) Disabled candidates who need the examination institutions to provide reasonable convenience during the self-study examination should submit a formal written application to the Kaoban where the examination area is located with my second-generation and above "People’s Republic of China (PRC) Disabled Witness" before applying for the course, and will not be accepted after the examination.

(three) the problems encountered in the process of registration directly to the examination area where the city self-study examination office consultation (Annex 6). For other unfinished matters, please pay close attention to the relevant information released by Guanwei of Guangdong Education Examinations Institute, official website and local self-study examination offices.

attachment

1. Flow chart of self-study exam registration in April 2024 in Guangdong Province

2. Guangdong province in April 2024 self-study exam online registration operation guidelines.

3. Guangdong Higher Education Self-study Examination Electronic Photo Collection Standard

4. Guangdong Province Self-study Examination Integrity Application Commitment Letter

5. Guangdong Higher Education Self-study Examination Rules

6. List of self-study examination offices in official website, WeChat official account and telephone consultation.

Special topic: All parts of the country are United in fighting snow disasters.

　　　　Xinhuanet Chongqing, January 28 (Reporter Wang Jintao) On the morning of the 28th, there were many snowflakes floating in the main city of Chongqing. This is the first time in 16 years that it snows in the main city of Chongqing.

　　　　The altitude of the main urban area of Chongqing is between 200 meters and 300 meters. Because of its low altitude, surrounded by high mountains and its geographical location is south, its winter temperature is often higher than that of other cities at the same latitude. Chongqing citizens have never seen snow since it snowed in the main city of Chongqing in 1992.

　　　　According to the forecast of Chongqing Meteorological Observatory, a southbound cold air will arrive in Chongqing on the evening of January 27th, which will bring an obvious heavy snow and rain process to Chongqing. It is estimated that the average temperature in the main city of Chongqing on the 28th will be 2 degrees Celsius to 4 degrees Celsius, and the temperature in some areas may be below zero degrees Celsius.

　　　　Some citizens told reporters that there was only sporadic light rain in the sky on the morning of the 28th, but on their way to work, the rain turned into snowflakes, and it was getting bigger and bigger, and the amount of snow was equivalent to a moderate rain.

　　　　Despite the cold weather, some children in the main city of Chongqing still ran into the yard to meet the long-lost snowflakes. However, there is no snowy scene in the main city of Chongqing, and the snow melts when it falls to the ground. The meteorological staff said that because the temperature in the main city of Chongqing is still relatively high compared with other cities in the north, the ground generally does not freeze.

Editor: Liu Li

　　At 6 pm on February 3rd, the snow project of Beijing Winter Olympics will be held in Genting Ski Park in Zhangjiakou. China’s Li Nan and Zhao Yang will make their debut in the first round of freestyle skiing snow skills women’s and men’s qualifying competitions. The two players will try their best to advance to the final.

　　At 6: 00 pm on the 3rd, the first round of freestyle skiing snow skills women’s qualifying tournament will take the lead, with 30 athletes from 11 winter Olympic delegations participating. Japan, Australia, the United States, Russia, Kazakhstan and other teams all sent four participants. The oldest female player was Junko Hoshino, a Japanese athlete born in 1989, and the youngest was anastasia, a Kazakh player born in 2005.

　　China Freestyle Skiing Snow Skill Team will send two athletes to participate in the women’s and men’s events in this Winter Olympics. China made a breakthrough in the Beijing Winter Olympics cycle. Zhao Yang, a 29-year-old male athlete, became the first China male snowboarder to stand on the Winter Olympics. Head coach Toby Dawson won a medal in the freestyle skiing men’s snow skills competition in Turin Winter Olympics. Since 2019, when he was hired as the head coach of China freestyle skiing snow skills national training team, China snow skills men’s event achieved a historic breakthrough, and Zhao Yang became the first China male athlete to participate in the Winter Olympics.

　　Both men’s and women’s snow skills qualifiers in Beijing Winter Olympics are the top 20 finalists. It’s not difficult for Li Nan and Zhao Yang to enter the finals. The two players said that they would strive for a breakthrough in the Winter Olympics. At the PyeongChang Winter Olympics, French woman Palin Lavan won the championship of this project. At the Beijing Winter Olympics, she still has the strength to win the championship. In addition, the new Japanese team Anri Kawamura and Australia’s Jakara Anthony are both strong contenders for the championship. The biggest star of the men’s competition is Canadian mickal kingsbury, the champion of Pyeongchang Winter Olympics. After winning the gold medal in Pyeongchang Winter Olympics four years ago, kingsbury is expected to defend its title in Beijing Winter Olympics.

　　Text/Beijing Youth Daily reporter Yan Peng

　　Beijing, March 10 (Reporter Cheng Chunyu) The US WTI crude oil futures recorded the largest intraday decline in history, the US stock market rarely triggered the fuse mechanism, the US treasury bond futures "daily limit", and more than half of the world’s important stock market indexes fell by more than 6%. March 9, 2020 is destined to be a day worth recording in the history of global financial markets.

　　Data Map: new york Stock Exchange.

　　set records

　　— — Crude oil futures hit the biggest intraday decline in history.

　　After the Organization of Petroleum Exporting Countries (OPEC) failed to reach a production reduction agreement with oil-producing countries, Saudi Arabia drastically cut oil prices, which led to a sharp drop in international oil prices. Brent crude oil futures plunged 30% to $31.02/barrel in early trading, the lowest level since February 2016; US WTI crude oil also plunged 27% in early trading, and once fell more than 33% in intraday trading to $27.34, setting a new record for the largest intraday decline in history.

　　— — US stocks rarely trigger fuse mechanism.

　　The U.S. stock market plunged at the opening, and the S&P 500 index fell by 7% at the beginning of the session, triggering the first-level fuse mechanism, causing the U.S. stock market to suspend trading for 15 minutes. This is the first time since the financial crisis in 2008 that US stocks have been blown down due to a sharp fall. There are even media reports that this is the second real fuse in the history of US stocks. The last real fuse of US stocks was on October 27, 1997.

　　— — More than half of the important stock indexes fell by more than 6%

　　According to Wind’s statistics, among the 16 important indexes of global stock market, on the 9th, in addition to the three major indexes in the United States, the FTSE 100 in Britain, DAX in Germany, CAC40 in France, Nikkei 225, Standard & Poor’s 200 in Australia, etc., a total of nine indexes fell in intraday trading, and even closed down more than 6% on the same day. The three major European stock indexes fell more than 8% in intraday trading, followed by the China Shanghai Composite Index, which fell by about 3%.

　　— — Us debt futures "daily limit", yield hit a record low

　　Under the safe-haven demand, the influx of funds caused the US 10-year treasury bond futures to hit the upper limit and the trading was temporarily suspended. The yield of the US 10-year treasury bond once fell to a record low of 0.318%, with an intraday decline of nearly 40%. The 30-year US Treasury bonds once dropped to 0.702%, continuing to hit a record low, with a daily decline of nearly 30%. Moreover, as the leading indicator of economic recession, the yield curves of 3-month and 10-year US government bonds were once upside down, which sounded a panic alarm.

　　— — The price of gold returned to $1,700 per ounce after eight years.

　　After the sell-off of crude oil and stock market, investors flocked to the safe-haven assets including precious metal gold. On the 9th, the international gold futures price broke through the $1,700/oz mark, the highest since December 2012.

　　source map

　　(blasting) fuse

　　— — The price war of crude oil suddenly opened after six years.

　　Affected by the COVID-19 epidemic and other factors, the U.S. stock market plunged continuously. In view of the evolving risks brought by the epidemic to economic activities, the Federal Reserve cut interest rates by 50 basis points on the 3rd, and then the U.S. stock market fluctuated widely, and a roller coaster market was staged last week.

　　"The crude oil price war started in Saudi Arabia over the weekend became the fuse of the global financial market’s plunge on the 9th." According to foreign media reports, Russia refused to cut production at the OPEC+policy meeting on March 6, and OPEC and its allies in oil-producing countries failed to reach any production reduction agreement, which means that from April, OPEC-related oil-producing countries will completely liberalize production restrictions.

　　On March 7th (Saturday), Saudi Arabia, the main OPEC country, drastically reduced the price of crude oil sold to foreign markets such as Europe, the Far East and the United States, with the largest discount in more than 20 years, in order to attract foreign refineries to buy Saudi crude oil. Saudi Arabia also said that if the market needs it, Saudi Arabia can reach the level of 12 million barrels per day.

　　The market generally believes that after a lapse of six years, Saudi Arabia took the initiative to start a crude oil price war, which exceeded the market’s previous expectations. Previously, many financial analysts predicted that OPEC would further cut production to boost oil prices.

　　On the 9th, US President Trump sent a tweet to appease the panic market. It said that the debate between Saudi Arabia and Russia on oil prices and production, as well as the false news spread by political opponents, were the reasons for the stock market decline that day, and the decline in gasoline prices was also a good thing for ordinary consumers.

　　ChrisRupkey, an economist at Mitsubishi UFJ Finance, said: "The plan to reduce oil prices will make more cash flow into people’s hands, which can drive consumer spending and boost the economy, but this does not seem to alleviate the impact of the stock market on investors. The plight of Wall Street may have a negative impact on the economy. "

　　"The plunge in oil prices has once again aggravated the fragility of the market," JasonDaw, head of Asian foreign exchange strategy at Societe Generale, told the media. "The longer the global epidemic lasts, the greater the risk of a full-scale crisis."

　　afternoon trading

　　— — Will crude oil prices continue to fall?

　　On the 9th, the international oil price plummeted, once falling more than 30%, setting a new record for the biggest intraday decline in history. NYMEX crude oil futures closed down 26.74% to $30.24/barrel, the lowest since February 2016; Brent crude oil futures fell 26.24% to $33.39/barrel, both the biggest one-day declines since the Gulf War in 1991.

　　As of press time, the price fluctuation of energy and chemical futures such as crude oil.

　　In the latest report, Goldman Sachs analysts said that Brent crude oil price may drop as low as $20 per barrel, which will test some oil producers. "The price war has completely changed the prospects of the oil and gas market. Goldman Sachs lowered its oil price forecast for the second and third quarters to $30 per barrel."

　　Hong Hao, managing director and head of research department of Bank of Communications International, believes that the impact of the oil crisis is reflected in the following aspects: the price of junk bonds in the United States will plummet, the stability risk of the financial system will rise, and the expectation of deflation will increase the difficulty of monetary policy.

　　However, in the view of Xi Jiarui, a senior analyst of Jinlianchuang Crude Oil, this oil price drop will not become a long-term trend like the oil price crash in 2014. Saudi Arabia’s behavior is to force Russia to continue to cooperate with OPEC. It is expected that once the oil price falls to a level that Russia itself feels unable to bear, it is likely to restart the production reduction agreement.

　　According to the latest report of Everbright Securities, the special alliance between Saudi Arabia and the United States means that it will be difficult for the United States to accept the prospect that oil prices will continue to slump because of the price war in Saudi Arabia. Therefore, the current plunge in oil prices is unsustainable, and there may be variables in the future.

　　Xi Jiarui said, "The next production reduction meeting is on June 9, and it is very likely that Saudi Arabia and Russia will jointly cut production again. At that time, oil prices may rebound in retaliation."

　　On the 9th, the decline of major stock indexes in European and American stock markets.

　　— — European and American stock markets enter a technical bear market?

　　As of the close of the 9th, the Dow Jones index plunged more than 2,000 points, closing down 7.79%, the biggest one-day drop since 2008. The S&P 500 index fell by 7.60%, and the Nasdaq index fell by 7.29%. Oil stocks suffered heavy losses, and Chevron fell more than 15%, leading the Dow. So far, the Dow has dropped by 19.34% compared with the historical high set by this bull market.

　　On the same day, major European stock indexes closed down across the board, and many stock indexes entered a technical bear market. Britain’s FTSE 100 index fell 7.69%, France’s CAC40 index closed down 8.39%, and Germany’s DAX index fell 7.94%. Among them, Germany DAX index, France CAC40 index, Italy FTSE MIB index, Europe Stoxx 50 index and Britain FTSE 100 index entered the technical bear market.

　　Yang Delong, chief economist of Qianhai Open Source Fund, pointed out that US stocks will fall sharply after peaking. According to the experience of US stocks, a decline of 20% is generally called the dividing line between bulls and bears. If it falls below 20% and does not come back, it shows that the bear trend is confirmed and will fall further by 20%.

　　Xie Feng, a researcher at China Banking Research Institute, believes that the debt level of American enterprises is high, and the debt quality of residents has deteriorated. Once the economic slowdown exceeds expectations, corporate profits will further decline, and residents’ wealth will also be damaged, which may lead to more risk release in the financial market.

　　A-share major stock indexes closed on the 9th.

　　— — Can China A-shares be immune?

　　On the 9th, among the world’s important stock indexes, the overall decline of A shares was lower. The Shanghai Composite Index fell 3.01%, the Shenzhen Composite Index fell 4.09%, and the Growth Enterprise Market Index fell 4.55%. In the whole day, the transaction between the two cities broke through one trillion yuan. The net outflow of northbound funds from Shanghai Stock Connect was 9.671 billion, and that from Shenzhen Stock Connect was 4.648 billion.

　　Chen Li, chief economist of soochow securities, said in an interview with the media that the main reason for the A-share slump on the 9th was the violent fluctuation of the global capital market, and the violent fluctuation of the external market aroused the concern of domestic investors. The turnover of the two cities has continuously exceeded one trillion, indicating that there are great differences in funds. Some funds are leaving the market, and some funds are considered to be opportunities to buy on dips.

　　It is noteworthy that on the 9th, the FTSE China A50 index futures, as the leading indicator of the secondary market of the stock market, rebounded and turned red at night, and now rose by more than 1%. At one time, it was close to 2% in intraday trading, and once fell by more than 1%.

　　"The fundamental reason for the sharp decline of US stocks is that the valuation is too expensive." Everbright Securities believes that A shares are more immune to overseas fluctuations. Under the analytical framework of the policy economic cycle, it is not only economic data but also policy tightness that determines the market trend. Oil prices fell sharply beyond expectations, reducing the risk of stagflation in the near future and broadening the space for domestic policy easing.

　　Great Wall Securities believes that in the context of global risk assets being sold by funds, the short-term growth of the A-share market is facing emotional selling pressure. In the medium term, China’s securities market shows very obvious value toughness under the background of global general decline, and RMB assets are expected to become a safe haven favored by global funds. (End)

　　Source: China Banking Association.

　　Cartography: Wang Zheping

　　Zhang Jie, a 26-year-old Beijing citizen, recently went to a bank outlet to do business and found that the outlet downstairs of the company had closed down. "Take the subway to work in the morning, and you can enter the station by scanning the code with the mobile APP bound to the bank card. Shopping can be paid by online banking, and credit card repayment is also through the mobile banking APP. Now I am used to online financial services, and there are fewer and fewer banks. Although there are fewer outlets around me, it has not brought any inconvenience. " Zhang Wei said.

　　In recent years, banks have accelerated the development of online business, and the business volume of online banking and mobile banking has increased rapidly. According to the latest data released by China Banking Association, online banking transactions of banking financial institutions reached 163.784 billion last year, up 7.42% year-on-year, and mobile banking transactions reached 121.451 billion, up 38.88% year-on-year. At the same time, many people have found that the number of bank outlets around them has increased.

　　Under the trend that people are increasingly favoring online financial services, where is the value of offline banking outlets? How to realize the transformation and development of outlets and improve service quality and efficiency? The reporter conducted an investigation and interview.

　　Are bank outlets still important?

　　Bank outlets still play an important role in serving specific people and regions and handling non-standardized business.

　　Why has the situation of bank outlets closed increased? According to several bank managers, more and more consumers like online banking, mobile banking and other online channels, and the proportion of businesses that need to go to the counters of bank outlets is gradually decreasing. The abolition of outlets is mainly due to the lack of customers and low efficiency.

　　In terms of the total amount, by the end of 2019, the total number of outlets of banking financial institutions had reached 228,000, and the number of outlets actually abolished this year only accounted for a small proportion. To meet people’s diversified financial service needs, bank outlets still play an irreplaceable role.

　　Uncle Lu, who lives in Shifosi Village, Yufa Town, Daxing District, Beijing, is over 80 years old and wants to deposit a sum of savings on a regular basis. How many years of products do you have? What is the interest rate? How much interest is it every year? With full of questions, he came to Daxing Xinhangcheng Sub-branch of Ping An Bank not far from home.

　　After understanding Uncle Lu’s needs, the bank staff answered his questions one by one, figured out the fixed interest rate of each file and how much interest he could get each year, listed it in a table, and then explained it in detail.

　　While listening to the explanation and looking at the form, Uncle Lu chose a time deposit that suits him. "You’d better make it clear, but I can’t figure it out myself." Uncle Lu was very happy. "Moreover, I am old, and it is inconvenient to save money with the self-service deposit and withdrawal machine. With the assistance of the staff at the outlets, I am much more practical."

　　Aunt Hai runs a small shop in Yabao Road, Chaoyang District, Beijing. Every month, she goes to the bank outlets to handle business such as change. "Many customers choose to pay in cash. If there is more or less change, they must go to the outlets to exchange it."

　　Sun Anqin, vice president of Ping An Bank Beijing Branch, said that from the perspective of clients, for some elderly people who are not suitable for online banking or other customers who are not good at or willing to do business online, banks can provide them with more thoughtful services by relying on physical outlets.

　　From the perspective of business types, offline outlets still play an irreplaceable role in some non-standardized businesses. "For example, for the service needs of private bank customers’ financial consulting, financial managers need to communicate with customers face to face to meet their differentiated and personalized needs. In addition, due to regulatory requirements and risk prevention needs, bank card opening and enterprise opening bank accounts must also be handled at bank outlets. " Shen Chunhua, general manager of the channel management department of China Everbright Bank, said.

　　"In the past, bank outlets provided customers with a large number of transactional financial services. With the development of online channels and self-service channels, the transaction attributes of outlets have been gradually replaced, and now customers mainly come to outlets because of complex transactions and complex needs. The service of bank outlets is more intuitive, flexible, humanized and professional, and it is still the main channel for banks to sell products and maintain customers. " Wang Haiquan, general manager of the Channel and Operation Management Department of Bank of China, said that in recent years, the average number of customers served by outlets throughout the Bank has stabilized at around 200 million, indicating that outlets still play an important role.

　　From the perspective of regional layout, the coverage of bank outlets is still increasing in areas with weak financial services such as "agriculture, rural areas and farmers". By the end of 2019, banking financial institutions had covered basic financial services to 166,300 administrative villages in 832 key poverty alleviation and development counties through institutional outlets, machine services and mobile services, with a coverage rate of 99.3%.

　　Ceng Gang, deputy director of the National Finance and Development Laboratory of China Academy of Social Sciences, said that the sinking of bank outlets to the grassroots level has made up for the financial shortcomings in rural areas and can play a positive social benefit. At the same time, with the economic development in rural areas, the demand for financial services is increasing, and there is huge room for development in inclusive finance, and banks themselves will also reap good economic benefits.

　　How to better transform and develop?

　　Many banks are actively exploring in improving service efficiency, expanding service content and changing service methods.

　　People in the industry generally believe that in the future, bank outlets will still occupy an important position in people’s lives, and banks will also rationally adjust the layout of outlets according to actual operating conditions and local service needs. China Banking and Insurance Regulatory Commission clearly pointed out that banking financial institutions should fully investigate the financial market structure, supply and demand of financial services in the new and original locations before changing their business premises, so as to avoid creating a financial service gap.

　　How should bank outlets be transformed? The reporter learned from the investigation that many banks are actively exploring ways to improve service efficiency, expand service content and change service methods.

　　Intelligent, with higher service quality and efficiency — —

　　It used to be a very complicated thing for enterprises to open bank accounts. Prepare a lot of materials, queue up at the bank, fill out a lot of forms, and stamp a lot of official seals … … It often takes a whole day. The research and development of Sunshine E account opening system of China Everbright Bank was launched, which helped customers solve these troubles.

　　"Online booking application for account opening, filling in the industrial and commercial data system, and electronicizing the seal are optimized, which greatly saves the time for account opening." Sun Jihua, the financial controller of a company, said that it took only 40 minutes from entering the bank to opening an account, "much faster than I expected".

　　In recent years, the intelligent transformation of bank outlets is in full swing. You can withdraw money with your mobile phone without a bank card; The whole money and change can be stored together, and self-service equipment can also be handled; Bank card can realize fast card exchange with the same number & HELIP; … A variety of intelligent services constantly improve the customer experience of bank outlets. The insiders believe that making full use of scientific and technological means, developing intelligent equipment and tools, and upgrading offline outlets will improve the service efficiency and quality of outlets.

　　At the same time, the machine replaces the manual to complete some tedious processes, which is conducive to allowing more staff to walk out of the counter and provide accurate services according to the differentiated needs of customers.

　　Integrated and diversified services are introduced — —

　　While promoting intelligence, bank outlets are also paying attention to integrating into demand scenarios, expanding service content and giving full play to service functions.

　　"China Everbright Bank actively promotes the comprehensive transformation of banking outlets, giving outlets cultural services, tourism consultation, health management and other functions." Shen Chunhua said that Guangzhou Yuexiu Sub-branch of China Everbright Bank, as the host bank of medical insurance business in Guangzhou, has an average daily passenger flow of about 500 people, much higher than the average level of the whole bank. At present, the branch serves more than 10 million medical insurance customers.

　　Bank of China Guangzhou Lujiang Sub-branch cooperates with the local library to open a special reading area at the outlets, and books can be borrowed and returned at the outlets. In Jie Fangbei Business District, a tourist hotspot in Chongqing, Ping An Bank Chongqing Jie Fangbei Sub-branch has launched cultural and creative products, and will also introduce reading corners. Some rural bank outlets can also provide express delivery and other services.

　　"In the future, the spare space of outlets can be diversified and transformed into a place for customers to consult and exchange, share learning, share office, and carry out community activities." Wang Haiquan said.

　　Be more proactive, and banking services will go out — —

　　Not long ago, the Chinese Business School of Guangdong University of Finance and Economics ushered in the opening season. The staff of China Bank Guangdong Zengcheng Sub-branch took five mobile smart counters to the school to provide on-site financial services for teachers and students. Teacher Huang of the school said that in the past, card opening and mobile banking had to be handled at bank outlets, but now the bank provides on-site service, which can be completed in just a few minutes.

　　"With technical support, banking service equipment is more intelligent and portable, and it is possible to take it out, so that customers can enjoy more convenient financial services." Wang Haiquan said.

　　In order to let people in mountainous areas enjoy more adequate financial services, Fujian has explored the "backpack bank" business model. "Bank account managers carry backpacks, install equipment into the village, and promote financial services door to door." The person in charge of the Fuzhou Central Branch of the People’s Bank of China said that the "backpack bank" sent loans to the countryside and sent funds "timely rain" to the people.

　　How to collaborate online and offline?

　　The advantages of online business and offline outlets are complementary and integrated, and the efficiency of financial services is continuously improved.

　　For banks, it is an important problem to deal with the relationship between online and offline business. Ceng Gang believes that the rapid development of online business will not replace the important role of bank outlets. In the future, online business and offline outlets will complement each other and develop together to continuously improve the efficiency of financial services.

　　Online and offline collaborative development can make business handling more convenient.

　　In the past, the counting and identification of foreign currency cash had to be done under the witness of customers, and the staff of outlets had to complete a series of processes step by step, such as customer identity verification, cash withdrawal amount verification, money withdrawal, foreign management information registration and cash counting, which often took more than half an hour. At present, Bank of China has launched the foreign currency smart access service, and customers can make an appointment to withdraw foreign currency cash through online channels such as mobile banking and micro-banking. The back-office vault will immediately receive the order information, allocate foreign currency cash according to customers’ needs, seal it in a standard envelope, and deliver it to the appointment outlets. After customers arrive at the store offline, they can go directly to the smart counter for self-service without queuing to get the number, which takes only one or two minutes.

　　Online and offline collaborative development can provide customers with more choices.

　　"When issuing income certificates, asset certificates and other materials, customers can flexibly choose the handling method according to their own needs. If the customer does not have time to go to the bank outlet, he can apply for a certificate online and send it to the customer; If customers need to use it urgently or need an on-site seal, they can also go to the outlets to handle it quickly and collect it on the spot. " Sun anqin said.

　　"The rapid development of online business has greatly promoted the transformation and upgrading of bank outlets." Wang Haiquan said that on the one hand, online business can effectively divert the standardized business of previous outlets, so that the manpower of outlets can be invested in more professional and personalized services; On the other hand, the development of online business is conducive to enhancing user experience, increasing customer stickiness, enhancing brand influence and better promoting the development of offline business.

　　The insiders believe that no matter which channel customers access from online or offline, customers should feel the undifferentiated and integrated service experience. Through the integration and development of online and offline services, increasing data sharing, and combining big data, artificial intelligence and other technical means, it is conducive to building a more complete and three-dimensional customer portrait and achieving accurate and caring services.

1905 movie network news Produced by Cao Baoping, directed by Jacky Gan, starring Dapeng, Oho Ou and Li Meng, and starring Cao Bingkun, Cao Weiyu, Sha Baoliang, Ulantoya Duo, Shane, Terry and Li Shengye, the film was fully released on August 30th. Recently, the film "Desperate" also exposed the director’s special edition of "Folding Mountain City". In the special edition, not only does Jacky Gan, a director born and raised in Chongqing, tell about the "rivers and lakes of Chongqing" in his eyes, but the audience can also see how various Chongqing elements collide with the director.

In the first weekend after the film "Desperate" was officially released, it still showed great potential in the case of less than 20% of the film. Faced with the relatively tight film arrangement space, people in the industry who love "Desperate" have also called for more film arrangement, and Frant Gwo, the director of the film, also voiced support: "This is an underestimated film, and I hope more people can enter the theater to support it."

In the special edition, the winding roads and buildings with uneven heights in the mountain city provide an excellent place for the characters in the film to trade, hide and escape. At the same time, the "lost" atmosphere created by scenic spots such as light rail and river-crossing cableway, which are full of mountain city characteristics, is more conducive to the presentation of the film’s screen temperament. The looming road and light, just like the hidden desire in the hearts of the characters, also have the emotion and goodwill that have not been extinguished, and the sense of loss in the city has realized the maximum interaction with the characters. As director Jacky Gan explained: "The complexity of Chongqing’s spatial structure will bring a sense of loss. The film also tells the story of some characters who step into an environment and lose themselves, and then find their way again. "

　

In the special edition, through the use of Chongqing as a characteristic element under the lens, the director’s good potential as a young director is highlighted. Dapeng commented on the director: "The director has a kind of modesty and gentleness when creating, and will actively listen to the opinions of the actors." Li Meng also recalled: "He will let the actors enter his world in his own unique way." On the set, Jacky Gan will repeatedly instruct the young actor Ulantoya Duo’s acting skills, and often exchange experiences with experienced actors. In addition to accepting suggestions with humility and tolerance, the other side of director Jacky Gan is persistent in pursuing detail and perfection, as Cao Bingkun explained: "If the final effect of the film is one to twenty, then he doesn’ t want any two or nineteen, just one and twenty." Multi-faceted director, what remains unchanged is the diligent pursuit of loving his career, which makes producer Cao Baoping see his potential: "Jacky Gan firmly knows his own direction and works hard for it. Under the shortage of domestic commercial film directors, as long as he works hard, I believe his road will be wide."

　 　 　 　

The film "Desperate" was officially released on August 30th. Not only did the professional film platform rank first in the film released in the same period, but also the box office performance exceeded the forecast of the ticketing platform for two consecutive days. Faced with the shortage of film arrangement, people in the industry who love "Desperate" have also called for more film arrangement to support new films. Frant Gwo, the director of The Wandering Earth, voiced his support: "Throughout the whole article, the director is steady in scene control and scheduling and skilled in techniques. This is an underestimated movie, and I hope more people can support it. " Director Rao Xiaozhi also appealed to more audiences to enter the cinema to support the new director’s new work: "The director has a high ability to control the film, and has his own style among many films set in Chongqing. The excellent performance of the actors also makes the film more distinctive, so the sincere film deserves more encouragement and appreciation. I look forward to more audiences entering the theater. "

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