Xinhua News Agency, Beijing, March 23rd (Reporter Hu Hao)The case of illegal operation of vaccines in Shandong has recently aroused public concern about vaccines: what will happen if vaccines are not transported through the cold chain? Worried that the vaccinated vaccine is invalid, do you want to replant it? What’s the difference between the first-class vaccine and the second-class vaccine in transportation and use? At the media forum organized by the National Health and Family Planning Commission on the 23rd, experts from China’s immunization program answered questions of general concern.

Why should vaccines be refrigerated? How terrible is a vaccine that is not refrigerated?

Zhao Kai, academician of China Academy of Engineering and chairman of the National Committee of Experts on Immunization Planning: Vaccines are biological products made by various pathogenic microorganisms. Some vaccines are attenuated viruses, for example, the main component of measles vaccine is attenuated measles virus, which is alive; Have a plenty of inactivated vaccine, after the bacteria are inactivated, it is an active protein, which plays an immune function.

Therefore, vaccines are delicate. For example, vaccines are afraid of heat and light, and sometimes some vaccines are afraid of freezing. In order to keep the vaccine active, cold chain should be used in transportation.

Generally speaking, if there is no cold chain during the storage and transportation of the vaccine, the activity of the vaccine will be affected more or less, but it is also related to the length of time and temperature outside the cold chain.

As for whether vaccines that have not been transported by cold chain will have adverse vaccination reactions, two factors need to be integrated. One is to investigate the cold chain situation of illegal vaccine transportation, and the other is to investigate the monitoring situation of the information management system for suspected adverse vaccination reactions.

Wang Huaqing, MD, Chief Physician of China Center for Disease Control and Prevention: Theoretically, the vaccine involved is a vaccine produced by a regular manufacturer, not a fake vaccine or a fake vaccine. It has quality control in the early stage, and the safety risk will be less. The impact of not having cold chain transportation in the later period needs to be evaluated.

What is the relationship between class I vaccine and class II vaccine? What’s the difference between management?

Wang Huaqing: A class of vaccines includes three situations. First, 14 vaccines designated by the state prevent 15 diseases. Second, the increase of the provincial health administrative department is included in the national immunization plan. The third is the emergency immunization organized by the government. For example, if there is an epidemic, emergency immunization is needed, or it is possible to predict that the disease will become popular and organize group vaccination, which all belong to the first type of vaccine.

The first type of vaccine is vaccinated free of charge; The second kind of vaccine is self-funded and voluntary.

The management of the second type of vaccine is technically the same as that of the first type of vaccine. The technical requirements are the same whether in circulation or use. However, its procurement methods are different and its supply channels are different. The procurement of the first type of vaccine is carried out by the government, and then distributed step by step through the disease control system, and finally to the inoculation unit. The second type of vaccine is based on the regulations on the management of vaccine circulation and vaccination. Production enterprises can supply it directly to business enterprises, or to disease control departments and vaccination units. Business enterprises can supply disease control institutions, vaccination units or other business enterprises. So the channels are different.

Is there any difference in quality between domestic vaccines and imported vaccines?

Zhao Kai: The technological level of domestic vaccines is completely similar to that of foreign countries. In particular, the quality of vaccines, China’s 2010 edition pharmacopoeia and the European Union’s pharmacopoeia standards are the same. Some domestic vaccines and imported vaccines have been compared or observed, and they are all the same.

Every batch of vaccines produced in China must undergo compulsory inspection and audit before they are put on the market, which is called "batch inspection". Those that fail are not allowed to go on the market. I think this quality is guaranteed.

Wang Huaqing: Actually, domestic vaccines and imported vaccines require the same standards, and they will not enter the market until they reach the standard. Most of our country uses domestic vaccines, and the control of infectious diseases in China is the contribution of domestic vaccines. If there is no domestic vaccine, the control of polio, hepatitis B and measles in China will not be so good. These are all the effects obtained by inoculating children with our own vaccines. Therefore, the final evaluation depends on whether the disease has been controlled after the application of the vaccine and whether its suspected abnormal reactions have increased. In fact, from our monitoring, there is no big difference between domestic and imported vaccines.

How to deal with vaccines near the shelf life? Is it possible to vaccinate the public with expired vaccines?

Han Cheng, director of Desheng Community Health Service Center in Xicheng District, Beijing: As a primary health service center, our vaccine procurement path is very strict, and there are also strict regulations on the validity period. Drugs that have expired in the past six months cannot enter the procurement and distribution system, and the system will automatically block them. It is impossible to enter the organization. In addition, the purchase of vaccines is on a monthly basis, and one batch is used up before entering the second batch, and it is cleaned once a month, and it is uniformly distributed and purchased by the Beijing Center for Disease Control and Prevention.

How do I know if my vaccine is a problem vaccine? Can it be traced back?

Han Chengcheng: The batch number of the vaccine can be traced back. Each child has a batch number corresponding to each medicine, which can be checked. Therefore, it can be traced back to which child a batch number was hit. The validity period of the vaccine, the time of vaccination, etc. are also completely traceable.

Wang Huaqing: When the vaccine enters the disease control system, there will be a receipt form, when it was delivered, the process of delivery, its temperature, the varieties delivered and the quantity, all of which have a complete receiving record. In the process of use, there are two records, including the parents’ signature, when and what vaccine the children took, which company and the batch number. One is the vaccination certificate in the hands of the parents, and the other is the record or vaccination card of the electronic information system.

Is it necessary to confirm whether the vaccine is effectively vaccinated by antibody testing? Is it necessary to replant the vaccine?

Wang Huaqing: If you were not vaccinated in childhood, when should you replant? Different vaccines are different, which needs to be judged again.

We are all very concerned. Did I succeed after the vaccination? The international general principle is that there is no need for testing, because if the vaccine reaches a high vaccination rate, the whole population will have a barrier.

Vaccination, under normal circumstances, does not mean that everyone produces protection, because the main function of vaccine is a group. For example, if 80% to 85% of polio is successful after taking sugar pills, polio will be blocked and eliminated.

If everyone is vaccinated, we will build this crowd barrier. If some people are vaccinated and some people are not vaccinated, the disease may become popular in the future. Therefore, to control an infectious disease, we must maintain a very high vaccination rate in vaccination, especially in the use of vaccines in the national immunization program. If the vaccination rate is not high, then the disease will become popular.

　　The drug problem is related to national security, the rise and fall of the nation and the well-being of the people. It is the consistent position and firm proposition of the China government to strictly control drugs. In the past 20 years, faced with the severe challenge of the rapid development and spread of the drug problem, the China government has always attached importance to drug control, insisted on incorporating drug control into the economic and social development plan as an important part of national security and social stability, mobilized all social forces, took all necessary measures, and tried its best to ban drugs and benefit the people.

　　In recent years, especially since the 18th National Congress of the Communist Party of China, under the strong leadership of the CPC Central Committee, the State Council and local party committees and governments at all levels, all relevant departments in various regions have adhered to source management, systematic management, comprehensive management, and legal management, and insisted on taking multiple measures to prohibit planting, trafficking, and smoking. Through unremitting efforts, China’s drug control struggle has achieved remarkable results.

　　Mobilize all forces to form a new pattern of comprehensive drug control

　　Since the late 1990s, the drug situation has become increasingly severe and complicated. Faced with this situation, the CPC Central Committee and the State Council have made a series of strategic decisions to strengthen drug control work, and the responsibility system, leadership system, working mechanism and guarantee mechanism for drug control work have been gradually established and improved, forming a new pattern of comprehensive drug control with unified leadership of governments at all levels, organization and coordination of drug control committees, respective responsibilities of relevant departments and extensive participation of social forces.

　　In 1990, the Government of China established the National Narcotics Control Committee composed of 25 departments, including the Ministry of Public Security, the Ministry of Health and the General Administration of Customs, to study and formulate important policies and measures in drug control, coordinate relevant major issues, and lead the national drug control work in a unified way. In 1998, the State Council approved the Ministry of Public Security to set up an anti-drug bureau. Since the national people’s war against drugs was launched in 2005, according to the development and changes of the drug problem in China, the State Council has repeatedly adjusted and enriched the member units of the National Narcotics Control Committee to meet the needs of the anti-drug struggle. At present, the number of member units of the National Narcotics Control Committee has reached 38, and working groups on anti-drug publicity and education, anti-drug investigation information, and drug prohibition and detoxification have been established.

　　Adhere to drug control according to law and gradually improve the legal system of drug control.

　　The government of China attaches great importance to the construction of the legal system of drug control, constantly speeds up the pace of drug control legislation, and has formulated and promulgated a series of laws and regulations. The legal system of drug control has been gradually improved, and drug control according to law has become the guiding principle of drug control work.

　　From the 1970s to the 1990s, the China Municipal Government successively promulgated the Criminal Law, the Customs Law, the Regulations on Administrative Penalties for Public Security and other laws and regulations. On June 1st, 2008, China’s first law comprehensively regulated drug control — — People’s Republic of China (PRC) Anti-drug Law was formally implemented. As a book summarizing China’s experience in drug control for many years and absorbing the essence of international drug control legislation, it provides legal guarantee for comprehensively strengthening drug control work under the new situation, and China’s drug control work has thus entered a new historical stage of comprehensive promotion according to law.

　　At present, a system of anti-drug laws and regulations has been formed at the national level in China, with the Criminal Law, the Anti-drug Law, the Regulations on Drug Rehabilitation, the Regulations on the Management of Precursor Chemicals and the Regulations on the Management of Narcotic Drugs and Psychotropic Substances as the main body, and local governments have successively formulated a series of supporting laws and regulations, providing a powerful legal weapon for the anti-drug struggle.

　　Contain drug sources and crack down on drug crimes.

　　China’s anti-drug department has always maintained the trend of cracking down on drug crimes, improved the three-dimensional prevention and control system of land, sea and air mail, and innovated the methods and means of drug enforcement, which severely cracked down on and effectively deterred drug crimes.

　　First, vigorously strengthen source blocking and interception to effectively curb the source of drugs. The anti-drug department of China has continuously improved the "three lines of defense" of blocking the first line of the border, checking the second line of the mainland and cutting the main roads, airports, stations and docks, forming a three-dimensional prevention and control system covering the main land, sea, air and postal routes.

　　Second, we will continue to carry out special anti-drug campaigns and effectively strengthen investigation and solving cases. Since the people’s war against drugs was launched, a series of special actions such as "pulling out nails" have been organized against foreign drug lords, and a large number of serious cases have been successfully cracked, and more than 80 domestic and foreign drug lords and important drug dealers, including Liu Zhaohua, Han Yongwan, Cai Aishan and Zhong Wanyuan, have been arrested.

　　The third is to comprehensively deepen the key rectification of drug control and effectively solve the prominent drug problem. By stepping up efforts to rectify drug trafficking and drug-related problems of special groups, 38,900 drug traffickers were arrested nationwide in 2015 alone. By using satellite remote sensing technology, the "Tianmu" series of drug shoveling operations were continuously carried out, and it was found that the illegally planted opium poppy was completely eradicated. Since the people’s war against drugs was launched in 2005, more than 1 million drug-related crimes have been cracked, 1.15 million drug suspects have been arrested and 751 tons of various drugs have been seized.

　　Prevention education is given priority to, and people’s awareness of drug control is generally improved.

　　The Anti-drug Law of People’s Republic of China (PRC) defines the policy of "prevention first" in anti-drug work, and stipulates the anti-drug publicity and education in a special chapter.

　　Public security, education, civil affairs, judicial administration, culture, trade unions, the Communist Youth League, women’s federations and other departments insist on taking teenagers, unemployed people and migrant workers as the focus of anti-drug publicity and education, create rich carriers of brand education activities, organize anti-drug publicity activities covering the whole year with the national anti-drug publicity month in June as the focus, and promote anti-drug publicity and education into communities, schools, units, families, places and rural areas.

　　At present, China has established 9 national demonstration bases for drug prevention education, more than 20 provincial anti-drug education bases, more than 700 anti-drug social organizations and more than 1 million anti-drug volunteers. The annual growth rate of newly discovered heroin users has dropped from 13.7% in 2008 to 6.6% in 2013.

　　Advocating people-oriented, actively educating and saving drug addicts

　　In view of the serious harm caused by drug abuse to drug addicts, their families and society, we have comprehensively used legal, administrative, economic, educational and medical means to control the drug problem, and education has saved a large number of drug addicts.

　　At present, 57 drug rehabilitation places have been built in China, and 95,000 drug rehabilitation personnel have been resettled, which has played a positive role in ensuring people’s livelihood and maintaining social harmony and stability.

　　In recent years, China has made great efforts to promote community detoxification and community rehabilitation, with towns and streets as the main body, relying on the masses and communities, mobilizing social forces, developing anti-drug social workers, and vigorously implementing the "August 31" community detoxification and community rehabilitation project. In the past five years, 27,000 community drug rehabilitation and community rehabilitation offices have been established nationwide, with 27,000 full-time drug control social workers and 68,000 part-time social workers. A total of 950,000 person-times of community-based drug rehabilitation have been carried out nationwide, and more than 1.2 million people have given up drug addiction for more than three years.

　　Strictly prevent illegal loss and strengthen the control of precursor chemicals

　　Proceeding from the fact that China is a big producer and exporter of chemicals, the national drug control department has earnestly implemented the 1988 United Nations Convention against Illicit Traffic in Narcotic Drugs and Psychotropic Substances.

　　Over the years, China has always attached importance to the "two-way investigation" in border areas and entry and exit ports, which not only prevents drugs from entering the country, but also prevents precursor chemicals from being smuggled out of the country. At the same time, an international verification system for the import and export of precursor chemicals has been established jointly with the United Nations anti-drug agencies and relevant national authorities, and a management information system for precursor chemicals has been established, which has implemented information management for the production, operation and circulation of precursor chemicals. Over the years, China has actively participated in Operation Purple, Operation Topaz and Operation Prism carried out by the United Nations anti-drug system, and cooperated closely with the Shanghai Cooperation Organization to further strengthen the international verification of precursor chemicals exported by key varieties and countries.

　　Since the People’s War against Drugs, more than 23,000 tons of precursor chemicals and non-regulated chemicals have been seized through strict investigation, and 20,500 tons of precursor chemicals have been prevented from being exported through international verification.

　　Actively fulfill international conventions and make contributions to the world drug control cause.

　　The Government of China has always attached importance to international cooperation in drug control, and, as a responsible big country, has always followed the principle of "extensive participation, shared responsibility, comprehensive and balanced drug control strategy, and emphasis on alternative development" put forward at the twentieth special session of the General Assembly on drug control, and earnestly implemented international drug control conventions.

　　Actively promote regional bilateral and multilateral drug control cooperation. The Government of China has hosted many important multilateral international conferences, continuously deepened the mechanism of Memorandum of Understanding (MOU) on drug control cooperation in Greater Mekong Subregion, the mechanism of "ASEAN+China" on drug control, the mechanism of Shanghai Cooperation Organization on drug control, and the mechanism of BRICS countries on drug control, and actively demonstrated China’s influence in the international drug control field.

　　Actively promote law enforcement and security cooperation in Mekong River Basin. In close cooperation with relevant countries, the case of "October 5" Mekong River was successfully solved in 2011, and naw kham, the first offender of the "Golden Triangle" mega-armed drug trafficking group, and key members were arrested. Leading the establishment of a law enforcement and security cooperation mechanism in the Mekong River Basin of China, Laos, Myanmar and Thailand, and continuing to carry out joint anti-drug operations to jointly crack down on transnational drug crimes and completely destroy criminal groups that have long endangered the security of this basin.

　　Actively carry out foreign law enforcement training, equipment and material assistance exchange and alternative development. China has gradually developed from a recipient country to an annual donation of US$ 1 million to the United Nations Office on Drugs and Crime (UNODC), and has trained nearly 2,000 drug enforcement officials for Myanmar, Laos, Cambodia and other countries within its capacity.

　　On 26th, local time, India announced the latest COVID-19 epidemic situation in the country.

　　As of 8: 00 on the same day, in the past 24 hours, India has added 352,991 confirmed cases of COVID-19, with a total of 17,313,163 confirmed cases. In the past three days, India has added more confirmed cases; There were 2812 new deaths and 195123 cumulative deaths.In the past three days,The cumulative number of newly confirmed cases of COVID-19 in India has exceeded one million. The newly confirmed and dead cases have once again set a new record in this country.

　　The epidemic situation in India continued to worsen, and the cumulative number of newly diagnosed cases exceeded one million in three days.

　　△ Schematic diagram of cumulative confirmed and dead cases of New Crown Pneumonia in India on the 26th (Source: WHO)

　　According to local media reports, the epidemic in India has been in the losing stage. In the capital, New Delhi, almost every 300 seconds, one person will die because of COVID-19.

　　According to the analysis of many foreign media, the epidemic situation in COVID-19 in India is so serious. On the one hand, the successful research and development of various vaccines led to the relaxation of epidemic prevention in India. On the other hand, the United States, as an important importer of medical raw materials in India, started the National Defense Production Law early, and restricted the export of vaccine raw materials for a long time, which led to the lack of medical care and medicine in India.

　　India urgently needs vaccine raw materials, but the United States turns a deaf ear.

　　△ Adar Poonawalla, CEO of the Indian Serum Institute, posted a message on social media, "pleading" with US President Biden to lift the ban on the export of vaccine raw materials in India.

　　The world’s largest vaccine manufacturer — — Adar Poonawalla, CEO of India Serum Research Institute, posted a message on social media on April 16th, "pleading" Biden’s government to lift the ban on India’s export of vaccine raw materials in order to increase India’s vaccine production. Reuters also revealed earlier that the foreign ministers of India and the United States also mentioned lifting the import ban during their talks on April 19th. However, the United States has never responded to this.

　　△ the State Council spokesperson Price

　　It was not until 22nd that a reporter’s question at the White House press conference broke the silence of the United States for the first time, although the United States was still pushing each other.

　　According to the minutes of the press conference that day, US State Department spokesman Ned Price first pushed the question to the Office of the US Trade Representative in response, saying that it was within their authority. After facing the reporter’s unrelenting questioning, Price said "the truth".

　　△ US local media reported that at the press conference that day, Price once again emphasized "US priority" and refused to export vaccine raw materials to India on this ground.

　　Price first said that the United States focused on controlling the epidemic in the United States, giving priority to vaccinating the American people, and stressed that the American approach was "ambitious", "fruitful" and "successful". Later, he continued to argue: "We do this for several reasons. First, we have a special responsibility to the American people. Second, in the United States alone, more than 550,000 people have died and tens of millions have been infected. The American people have been hit harder by the epidemic than other countries in the world. " Finally, he concluded: "It is not only in the interests of the United States to vaccinate Americans, but also in the interests of other countries in the world."

　　Indian media criticized the United States for making "vague verbal promises"

　　△ "The Times of India" published an article entitled "The United States made vague verbal commitments because it was criticized for turning a deaf ear to the COVID-19 epidemic in India" on the 23rd.

　　This speech instantly detonated the anger in India. The Times of India issued a document for two consecutive days, criticizing the U.S. government for turning a deaf ear to the Indian epidemic, saying that the so-called guarantee of the United States is only a "vague verbal promise" and pointing out that the Biden administration has done almost nothing except verbal sympathy.

　　△ "The Times of India" published another article on the 24th, saying that the Biden administration was cold-hearted about India’s urgent need for COVID-19 vaccine raw materials.

　　According to a report by Washington post on the 24th, only 1.4% people in India have been vaccinated, and overcrowded hospitals are facing the problem of lack of oxygen, while the United States is enjoying a spring full of vaccines. What makes the Indian people even more angry is that the United States would rather throw the extra vaccine in the warehouse like this than export the raw materials for vaccine production to India.

　　△ The New York Times reported on March 11 that the United States is sitting on the tens of millions of doses of COVID-19 vaccine that the world urgently needs.

　　On March 11th, The New York Times quoted an official familiar with the matter as saying that more than 30 million doses of vaccine were idle in a warehouse in Ohio, USA, and no one had ever used it. The Axios News Network of the United States commented that "when billions of people around the world are anxiously waiting for vaccines, 30 million doses of vaccines are eating ash in Ohio warehouses."

　　Indian netizens accused the US of being "hypocritical", "diplomatic rhetoric" and "untrustworthy"

　　△ Indian netizens accuse the United States of selfish behavior

　　Under the video of Price’s speech, an Indian netizen commented, "History will remember that a country with a population of 1.4 billion has helped more than 90 countries, while a so-called superpower is sitting on piles of vaccines. We won’t forget it, @ President of the United States ".

　　△ Indian netizens talked about India’s previous aid to COVID-19 drugs in the United States, but now the United States has turned a blind eye to India.

　　A netizen even turned over the old account and left a message: "When India itself was experiencing a serious COVID-19 epidemic, the United States successfully obtained hydroxychloroquine from India (which was previously considered as a specific drug for treating COVID-19, but was later confirmed by WHO to be almost ineffective). Now the United States is still banning the supply of vaccine raw materials to India. Obviously, the United States has become the most untrustworthy country on earth. "

　　In the case of accusations from all sides and the growing epidemic in India, it was not until the 25th that US President Biden and Vice President Harris began to formally respond, saying that they would provide assistance to India.

　　△ The Vice President of the United States posted a message on his personal social account on 25th local time, saying that he would support India in fighting the COVID-19 epidemic.

　　However, the Indian people who have been deceived and ignored for a long time obviously don’t buy it. A large number of Indian netizens commented that this move is still "hypocritical", "diplomatic rhetoric" and "untrustworthy", and they are still full of doubts about the US statement.

　　△ Indian netizens said that Harris’s move was just diplomatic rhetoric and could not be trusted.

　　△ Indian netizens replied that we need more details. Please don’t continue to publish such diplomatic rhetoric. We need actions, not "so-called statements".

　　The epidemic situation of COVID-19 in India is getting more and more serious, but the aid of the United States is far away

　　While the Indian people are still waiting for American aid in the epidemic, the epidemic in India has developed into a frightening situation.

　　△ABC reported that the epidemic situation in India continued to intensify, and crematoriums in many places had been cremated by burning bodies in the open air.

　　According to foreign media reports, in some crematoriums in India, the metal parts began to melt because of the long running time of gas stoves and wood stoves, and cremation stoves were damaged because of too many bodies to be burned. A large number of bodies could only be burned in the most primitive way. In many hospitals in India, there have been many suffocation accidents caused by lack of oxygen recently.

　　△ CNN published on the 26 th entitled "The COVID-19 epidemic in India is more severe. Two of the US diplomats in India died and more than 100 people tested positive for COVID-19."

　　CNN quoted diplomats working in the US Embassy in India as saying: All the staff were deeply frustrated, and even the staff of the US Embassy could only get vague statements before the actual assistance from the United States arrived.

　　Producer Tang Yi

　　Producer Zhao Xinyu?

　　Editor-in-Chief: Cui Yi

　　Editor Jin Lvcheng

Brand Finance, a British brand evaluation agency, released the "Banking 500 2021" in 2021. In this year’s ranking, China and the United States still share the top ten banking brands, and Industrial and Commercial Bank of China continues to be the top one.

The total value of the top 500 global banking brands is $1,270.5 billion. Among them, 76 China brands were worth US$ 430.4 billion, accounting for 33.9%. 74 American brands are worth $2,748, accounting for 21.6%. Nine Canadian brands are worth $62.6 billion, 17 British brands are worth $51.2 billion, 27 Japanese brands are worth $41.3 billion, 9 French brands are worth $35.7 billion, 9 Spanish brands are worth $29.5 billion, 18 Indian brands are worth $27.3 billion, 9 Australian brands are worth $23.2 billion, 4 Dutch brands are worth $21.1 billion and 13 Swiss brands are worth $20.7 billion.

The "Top 500 Global Bank Brand Value Rankings" adopts the cash flow discount method, and calculates the brand value of each bank by evaluating the market influence of banks by analyzing financial data and setting brand discount rates of different banks. The shortlisted banks include commercial banks and investment banks (securities companies).

Brand value/annual growth rate of ranking brand headquarters.

1. Industrial and Commercial Bank of China (ICBC) China is 72.788 billion USD /-9.9%.

2. China of China Construction Bank is 59.649 billion USD /-4.7%.

3. Agricultural Bank Of China (China) 53.134 billion USD /-2.8%.

4. Bank of China’s China is USD 48.689 billion /-3.8%.

5. Bank of America US$ 32.787 billion /-7.3%.

6. US$ 32.2 billion /-2.8% from CITI.

7. Wells Fargo US$ 31.805 billion /-22.2%

8. Chase US$ 28.849 billion /-7.7%

9. J.P. Morgan US$ 23.565 billion /+3.2%.

10. China of China Merchants Bank is USD 21.044 billion /-8.0%.

11. HSBC UK USD 17.028 billion /-12.5%.

12. TD Bank of Toronto (Canada) USD 15.968 billion /-1.1%.

13. Royal Bank of Canada (RBC) Canada USD 15.818 billion /+1.6%.

14. China of Bank of Communications is USD 15.683 billion /+3.4%.

15. Shanghai Pudong Development Bank China USD 15.053 billion /+7.9%.

16. China CITIC Bank China USD 14.500 billion /+10.2%.

17. Santander Spain’s USD 14.271 billion /-18.7%.

18. Goldman Sachs US$ 13.75 billion /+21.3%

19. China Postal Savings Bank’s China is USD 13.593 billion /-0.1%.

20. Capital One US$ 13.034 billion /-11.4%.

21. China Minsheng Bank China USD 12.490 billion /+29.3%.

22. BNP Paribas France USD 12.37 billion /-7.0%.

23. Mitsubishi UFJ Financial Group (MUFG) Japan USD 12.149 billion /+29.0%.

24. China of Industrial Bank is USD 12.131 billion /+15.9%.

25. China Everbright Bank’s China is USD 10.325 billion /+6.6%.

26. ING Netherlands USD 9.972 billion /-11.9%.

27. China of Ping An Bank is USD 9.781 billion /+15.6%.

28. Morgan Stanley US$ 9.473 billion /+6.6%.

29. Federal Savings Bank (Sber) Russia’s USD 9.395 billion /-29.0%.

30. Sumitomo Mitsui Financial Group (SMBC) Japan USD 9.319 billion /-23.9%.

31. BMO Canada’s USD 9.077 billion /-4.2%.

32. Scotiabank Canada USD 9.041 billion /-10.6%.

33. Barclays UK $9.037 billion /-15.2%

34, UBS Group AG (UBS) Swiss $8.671 billion /-5.4%.

35. U.S. Bancorp’s US$ 8.351 billion /-2.2%.

36. Truist US$ 8.013 billion

37. DBS Singapore USD 7.811 billion /-7.8%.

38. BBVA Spain’s USD 7.678 billion /-18.7%.

39. Rabobank, the Dutch cooperative bank, US$ 7.573 billion /-1.8%.

40. Intesa Sanpaolo, Italy, US$ 7.401 billion /+14.3%.

41. Merrill’s US$ 7.273 billion /+3.3%

42. CIBC Canada’s USD 6.924 billion /-12.1%.

43. Puruixing Financial Services (PNC) US$ 6.798 billion /-11.2%.

44. HDFC Bank India USD 6.588 billion /+11.2%

45. Commonwealth Bank Australia US$ 6.552 billion /-7.0%.

46. Mizuho Financial Group Japan’s USD 6.419 billion /-4.7%.

47. Credit Suisse Switzerland USD 6.286 billion /-9.0%.

48. Qatar National Bank (QNB) Qatar USD 6.107 billion /+1.3%.

49. Standard Chartered UK USD 6.057 billion /+6.2%

50. State Bank of India (US$ 5.843 billion /-9.2%).

51. Discover US$ 5.576 billion /-14.7%

52. Societe Generale France’s $5.082 billion /-31.0%.

53. Itau Bank (ITAU) Brazil USD 5.065 billion /-25.9%.

54. Hua Xia Bank (China) USD 5.054 billion /+24.7%.

55. Credit Mutuel France $5.05 billion /+4.2%

56. Shinhan Financial Group Korea’s USD 5.027 billion /+7.6%.

57. Lloyds Bank UK $4.949 billion /-29.2%.

58. Credit Agricole (France) USD 4.834 billion /-14.5%

59, National Westminster Bank (NatWest) UK $4.822 billion /-18.8%

60. KB Financial Group Korea USD 4.69 billion /+13.0%.

61. ANZ Australia USD 4.604 billion /-1.3%.

62. OCBC Bank Singapore USD 4.561 billion /-5.8%.

63. BNY Mellon US$ 4.367 billion /+10.7%.

64. Nordic United Bank (Nordea) Sweden USD 4.105 billion /-12.8%.

65. Bank of Beijing China USD 4.042 billion /+3.4%.

66. Banco do Brasil Brazil USD 4.04 billion /-11.3%.

67. UOB (UOB) Singapore USD 3.998 billion /-15.3%.

68. Brazilian Federal Savings Bank (Caixa) Brazil’s $3.954 billion /-18.3%.

69. nab Australia’s US$ 3.936 billion /-17.2%.

70. Bradesco (Brazil) US$ 3.908 billion /-41.6%.

71. Bank of Ningbo China USD 3.855 billion /+63.3%.

72. Charles Schwab US$ 3.854 billion /+4.2%.

73. Union Bank of Belgium (KBC) Belgium USD 3.829 billion /-11.2%.

74, Dubai National Bank (Emirates NBD) UAE $3.73 billion /-9.7%.

75. Bank of Shanghai China USD 3.681 billion /+7.0%.

76. Maybank Malaysia USD 3.661 billion /-8.0%.

77. First Abu Dhabi Bank (UAE) USD 3.621 billion /-10.1%.

78. ICICI Bank, India, US$ 3.539 billion /+23.2%.

79. Deutsche Bank Germany US$ 3.51 billion /-1.3%.

80. Westpac Australia USD 3.491 billion /-11.4%.

81. Al-Rajhi Bank, Saudi Arabia, USD 3.449 billion /-1.7%.

82, Japan Post Bank (JP Bank) Japan $3.389 billion /-12.2%.

83. Bank of Jiangsu China USD 3.363 billion /+7.7%.

84. China of China Guangfa Bank is US$ 3.344 billion.

85. CaixaBank Spain’s US$ 3.304 billion /-6.8%.

86. ABN AMRO Netherlands $3.289 billion /-19.8%.

87, CITIC Securities (CITIC Securities) USD 3.132 billion /+33.8%.

88. Desjardins Canada USD 3.099 billion /+12.0%.

89. People’s Bank of Indonesia (BRI) Indonesia USD 3.098 billion /-12.3%.

90. State Street US$ 3.008 billion /+17.7%

91. Fifth Third Bank US$ 2.921 billion /-19.0%

92. Citizens US$ 2.83 billion /+12.0%

93. Hana Financial Group (South Korea) US$ 2.799 billion /+7.1%.

94. China of China Zheshang Bank is USD 2.731 billion /+32.0%.

95. KeyBank US$ 2.700 billion /+5.9%

96. DNB Norway USD 2.686 billion /+0.3%

97. Hang Seng Bank (China and Hongkong) US$ 2.68 billion /-21.2%.

98. Natixis France’s $2.673 billion /-1.6%.

99. Woori Bank Korea’s USD 2.654 billion /+12.4%.

100. Swedbank Sweden’s USD 2.614 billion /-9.0%.

Other brands in mainland China, Hongkong and Taiwan Province that have entered the top 500 global banking brands.

101, Haitong Securities (Haitong Securities)

111. Bank of Nanjing.

119, Guotai Junan Securities (Guotai Junan Securities)

128. Bohai Bank

135, Chongqing Rural Commercial Bank (Chongqing Rural)

141. Huishang Bank.

153. China Trust Commercial Bank (CTBC Bank) Taiwan Province

154. Bank of Hangzhou.

159, Guangzhou Rural Commercial Bank (Guangzhou Rural Commercial Bank)

179. E.SUN Bank Taiwan Province

187. Shanghai Rural Commercial Bank.

188. Bank of Chengdu.

189. Bank Of Changsha.

192. Orient Securities.

204, Shengjing Bank (Shengjing Bank)

206. Bank Of Chongqing.

213, Beijing Rural Commercial Bank (Beijing Rural Commercial Bank)

215, Bank of Tianjin (Bank of Tianjin)

218, Jinzhou Bank (Bank of Jinzhou)

221, Fubon Bank (Fubon Bank) Taiwan Province

224, Guiyang Bank (Bank Of Guiyang)

226. Bank of East Asia Hong Kong

238, Zhaofeng International Commercial Bank (Mega) Taiwan Province

240, Bank of Zhengzhou (Bank of)

247, the First Commercial Bank (Taiwan Province)

253, Taiwan New Bank (Taishin) Taiwan Province.

256, cooperative vault bank (Taiwan Province)

261, Harbin Bank (Harbin Bank)

276, Jiangxi Bank (Jiangxi Bank)

287. Wing Lung Bank (Hong Kong)

289, Qingdao Rural Commercial Bank (Qingdao Rural Commercial Bank)

301. Bank of Dongguan.

315, Yuanta Bank (Taiwan Province)

323, Guizhou Bank (Bank Of Guizhou)

327, South China Financial Holdings Taiwan Province

336, South China Commercial Bank (Hua Nan Commercial Bank) Taiwan Province

338. Bank Sinopac Taiwan Province

365. Bank of Qingdao.

367, Huarong Xiangjiang Bank (Huarong Xiangjiang Bank)

368. Bank of Taiwan Taiwan Province

373. Shanghai Commercial Bank, Hong Kong

380. Taiwan Province Business Bank Taiwan Province

381. Changhua Bank Taiwan Province

384, Bank of Suzhou (Bank of Suzhou)

387. The Shanghai Commercial & Savings Bank in Taiwan Province.

391. Dah Sing Bank Hong Kong

403, Gansu Bank (Bank Of Gansu)

414. Bank of Xi`An.

417. Land Bank of Taiwan Province.

422, Sun Hung Kai Co Hong Kong

423, Changshu Rural Commercial Bank (Changshu Rural Commercial Bank)

428, Hankou Bank (Hankou Bank)

431. Cathay United Bank Taiwan Province

467, the Union Bank of Taiwan Province.

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Original title: "2021 Global Top 500 Bank Brand Value List, 76 Banks in China on the List"

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Since March, the price of gold has continued to rise, setting a new record! The domestic gold price once appeared "overnight soaring". After accumulating a large increase, recently, the international gold price fluctuated at a high level, and the gold price that had previously maintained an upward trend sat on a "roller coaster".

How to rationally allocate limited assets in the gold market and make sustained profits has become an urgent problem for investors.

The price of gold suffered a major decline after the peak.

On April 12, local time, Loco London gold rose all the way in the morning, rising nearly 2.5% in intraday trading, but then plunged sharply, which not only retreated all the gains of the day, but also finally closed with a decline of 1.25%, with a retreat of nearly 4% in the day; Futures prices also followed the spot price out of a similar market. COMEX gold futures once rose more than 3% in intraday trading and finally closed down 0.53% at $2,360.2 per ounce.

Affected by the high diving of the international gold price, the increase of Shanghai Gold also narrowed on the night of April 12, and it once rose more than 4% in intraday trading, and then it was adjusted back, and the increase fell back to 0.15% at the close.

On the evening of April 10th, the latest data of ——CPI (Consumer Price Index), the most critical inflation data before the Federal Reserve’s May resolution, was released. The US CPI rose by 3.5% year-on-year in March, which was higher than the market expectation of 3.4%. This figure intensifies the fear that inflation will accelerate again, which means that the possibility of the Fed cutting interest rates in June will decrease. The market’s expectation of the timing and frequency of the Fed’s interest rate cut this year has also changed to two times since September.

After the data was released, the international gold and silver prices fell briefly. However, the year-on-year growth rate of the US PPI (ex-factory price index of industrial producers) in March announced on the evening of 11th was slightly lower than expected, and the chain growth rate slowed down to 0.2%, which made gold and silver "rebel" again.

On April 12, COMEX gold reached a maximum of $2,448.8 per ounce; Spot gold in London once reached $2,431.78 per ounce, both hitting record highs.

The gold price of jewelry is almost equal to 730 yuan/gram.

High prices "persuade" consumers

For the recent rise in gold prices, many netizens have commented on "regret not getting on the bus" and "the price of gold jewelry is too high". Some netizens also said, "Now this price is just needed and I dare not buy it."

"This period of time is a price per day. Generally speaking, it is a small increase or a small increase." The sales of a gold shop in Chengdu told reporters, "The price of gold has really risen too high recently, and many consumers are waiting to see. I have served a couple who are about to get married before, bought a ring before the New Year, and recently wanted to buy earrings, bracelets and other accessories, just because the price of gold has risen too high recently, I have been hesitating."

The salesperson told reporters that if you are in a hurry to get married, you can consider platinum rings, and there has been no big price fluctuation recently.

The reporter visited several brand gold stores in Chengdu and found that the listing price of gold jewelry today is slightly lower than that of 730 yuan per gram a few days ago. At present, the prices of jewelry in gold jewelry stores of brands such as Lao Fengxiang, Chow Tai Fook and Zhou Shengsheng are mostly between 720 yuan and 728 yuan per gram. In the actual purchase process, different brand stores will give different degrees of concessions through in-store concessions, discounts and full reduction, and the final price will be between 680 yuan and 710 yuan per gram.

"The peak period of gold consumption is generally around the New Year. Now, after entering March and April, consumers’ purchasing enthusiasm has declined, and passenger flow and transactions will be less." A clerk in a gold jewelry store told reporters that the price of gold has been rising recently, and some "non-just-needed" consumers will also choose to wait and see.

Explore the reasons for the sudden drop in the price of gold

After analysis, the researchers studying financial issues in the Climate Change and Energy Transformation Project of Peking University Energy Research Institute believe that the main reasons for the current downward trend of gold prices are as follows:

First, the value of the dollar has risen. As a substitute for the reserve currency, gold has an inverse relationship with the value curve of the dollar. Recently, the value of the dollar has suddenly increased, and investors have chosen to buy a large amount of dollars and sell gold at the same time, and the price of gold has decreased accordingly.

Second, the interest rate is raised. Recently, former US Treasury Secretary LawrenceSummers said in an interview with relevant media that the public should accept the possibility of raising interest rates by the Federal Reserve, rather than lowering interest rates. Therefore, the increase of interest rate will make investors consider whether it is reasonable to continue to buy gold without interest, which will lead to a decline in their willingness to buy, and then affect the price of gold.

Third, the expected production capacity of gold ore has increased. According to the relevant data released recently by Canadian mining giant osino, its Gemini mine project in Namibia will provide its parent company Yintai Gold with a gold production capacity of not less than 5 tons/year after it is put into production. Yintai Gold expects that the total gold production will rise to 12 tons in 2025. At the same time, Zijin Mining also expects the gold production capacity to rise to 73.5 tons in 2024. It can be seen that the increase in gold production will lead to oversupply, which will lead to a decline in gold prices.

Experts believe that the particularity of gold itself determines that it has an extremely complex market environment. For investors, it is necessary to always remember not to blindly follow the trend, "chase up and stop falling", carefully analyze the reasons for the rise and fall of the value of the invested products, and make a reasonable investment plan according to their own wealth level. Only by doing what they can can be stable and lasting and be invincible in the market. (Wu Shihao)

Comprehensive from shanghai securities news, china economic herald, China Business Daily, cover news, etc.

If we go back to 2003, no one can predict how much weight the Post Bar born in that year will occupy in Baidu’s territory. However, in the next 12 years, Baidu Post Bar has steadily and steadily become an important position with a huge number of users and occupying the only social product in Baidu’s entire product system. The various attempts of the business model of Post Bar can also be regarded as a microcosm of the commercialization exploration of China’s online social platform.

From the original forums, Blog, SNS, alumni records, Renren. com, and the rise of Weibo and WeChat in recent years, the wave of social platforms has changed. Many products that once resounded across the country can only survive or even disappear, but the post bar is enduring. The huge user scale, coupled with multi-dimensional and highly segmented groups such as interest, region and identity attributes, makes Post Bar with huge traffic and massive precipitation content become a "gold mine" with great potential.

But even with "the right time, the right place and the right people", Baidu Post Bar has always been alert and cautious, committed to finding the best balance between user experience and commercialization, and slowly carried out various attempts to adjust its own rhythm.

The commercial potential of the post bar detonated by the draft of Xiao He Lou Jiao twelve years ago

In 2003, as the forum (discussion area) began to gradually transfer from four portals to Tianya, Xici, Maopu and other websites, the concept of Blog was still in the initial stage of brewing. Baidu seized this good opportunity to create Baidu Post Bar, which not only enriched the content results of Baidu search engine, but also helped Post Bar quickly accumulate initial users with the help of the long tail effect of search.

During this period, the whole Internet form began to move from the 1.0 era of one-way communication to the 2.0 era of two-way interaction, and the interaction desire of young netizens that had been suppressed for a long time was stimulated intensively, and the product form of Baidu Post Bar just effectively filled this user demand, so it quickly gathered a very high platform popularity.

In 2005, the "Super Girl" draft held by Hunan Satellite TV showed people the power of fans, and also let Post Bar taste the dividend of fan culture. A large number of fans gathered in the super girls’ post bar and had a heated discussion for a long time. Alexa data at that time showed that with the help of Baidu Post Bar, Baidu’s traffic surpassed Sina in one fell swoop and became the largest Chinese website in the world. The first appearance of fan power made people inside and outside the industry smell the great commercial value lurking in Post Bar. However, because the online marketing model was relatively simple at that time, Post Bar did not rush to pursue profit speed, but put the depth of cultivating platform in the first place.

Leverage the Olympic Post Bar to test fan marketing.

Since 2008, the Internet in China has entered the golden age of rapid development. The surge in the number of netizens and the emergence of mobile Internet have spawned various online marketing models. Baidu Post Bar, which has a huge user scale and huge traffic advantages, has also begun to explore the diversified direction of commercialization.

During the Beijing Olympic Games, Baidu Post Bar cooperated with Adidas, Yili and other first-line brands to plan a series of marketing activities, and introduced the Olympic enthusiasm of netizens into the Post Bar. The marketing of this big event successfully attracted a large number of bar friends to participate.

In 2009, Baidu Lighthouse, the first interactive marketing product in China, was officially launched, focusing on tapping the precise marketing value of Post Bar.

In 2010, the launch of "Post Bar Mall" made it possible to realize social traffic. Props, value-added applications, personalized services, etc. made Post Bar earn C-end income, and at the same time, it greatly promoted the activity of Post Bar and improved the user system.

During the London Olympic Games in 2012, Baidu Post Bar became the main battlefield of online Olympic marketing. Taking Coca-Cola as an example, it selected 30 post bars including Sun Yang Bar, Chen Yibing Bar, Liu Xiang Bar and Gymnastics Bar, and posted in the selected post bars through official accounts to cheer for Olympic athletes, and naturally implanted interactive activities with specific themes to promote and solidify its brand. The promotion of Coca-Cola in the Post Bar has covered more than 10 million people, the brand has been displayed as high as 30 million times, and the video has been played 100,000 times. At that time, Weibo was in full swing, and some even declared it as "the pulse of the earth", but advertisers did not dare to ignore Baidu Post Bar. The deep interaction among users of Post Bar can quickly touch, transform and expand the fan base, forming an ecological closed loop of multi-directional, in-depth, efficient and self-growing fan marketing, which is the core advantage that Weibo platform does not have.

Looking back on the period from 2008 to 2013, it was the adolescence of Internet in China. The characteristics of active but restless users not only increased the commercialization opportunities, but also brought greater challenges to the realization of traffic. Fortunately, Baidu Post Bar’s several attempts have not only failed to drain users, but also gained great recognition, especially the cooperation activities during the two Olympic Games have become classic online marketing cases.

Force community fan marketing to dig deep into the value of post bar platform

2014 seems unremarkable, but there are two figures that make this year destined to go down in the history of Internet development in China.

In this year, Internet users in China approached half of the total population for the first time, and the scale of mobile phone users surpassed PC users for the first time. Because of this, the commercial focus of China has also shifted from offline to online, and enterprises have entered an era that needs in-depth communication with consumers. Some people therefore call 2014 the beginning of the Internet 3.0 era. In this context, the commercialization process of Baidu Post Bar began to rapidly enter the rising channel.

In July 2014, Baidu Post Bar announced the official launch of the enterprise platform strategy, and established a fan community for enterprises, institutions, media and other partners by opening the official post bar. This move attracted many powerful enterprises in the media, technology, finance and other industries to settle in. Mobile phone brands such as Meizu and Xiaomi regard the official bar as the most important marketing position.

For vertical industries with broader themes such as "beauty" and "education", Baidu launched the "Post Bar Partner" model in 2015, which opened the operation rights of vertical post bars to partners, provided more professional services for users of related bars, and also expanded its own profit model.

With the help of 100,000 stars and 300 million fans, Baidu Post Bar built the brand of Post Bar Entertainment, which quickly entered the film marketing industry in 2015, making Baidu Post Bar one of the most important film and television marketing platforms. The Nine-story Demon Tower with Ghost Blowing Lights jumped to glutinous rice through the related star bar header, and about 200,000 tickets were issued. Popular variety shows such as Running Man have been deeply interacting with fans in the post bar for a long time. IP-adapted writers of popular online literature such as "God of Heaven" and "Who’s Youth is Not Confused" have all held huge casting activities in their respective post bars, and achieved good results.

The longevity of post bar comes from the youthfulness of core users. According to the data, more than 60% of the 12-year-old Baidu Post Bar’s active users in 300 million months are post-90s. They grew up in the Internet age and are deep Internet users. Among them, 80% of users’ behaviors come from the mobile terminal. Post Bar users not only have strong spending power, but also are generally willing to accept new things. These user characteristics are the natural advantages of Post Bar itself. Throughout the commercialization process of Post Bar, every attempt is centered on the experience of these users, keeping up with the development trend of the Internet, and adapting to the changing rhythm of consumer behavior to the greatest extent. After a series of explorations, the gap between commercialization and users is gradually bridged by Post Bar.

For the Internet social platform, realizing traffic is both a paradise and a hell. If you are not careful, it will slide to the bottom. Along the way, Baidu Post Bar finally crossed the threshold of realizing with the mentality of taking the Long March. This year marks the 12th anniversary of Baidu Post Bar. In the traditional calendar of China, 12 years is the end of a cycle and a new beginning. As the Internet goes deeper and deeper into people’s lives, the prospect of achieving a win-win situation in products and business is more and more promising.

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

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

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

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

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

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

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

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

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

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

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

　　Some platform identity audits exist in name only.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Special reminder

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

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

Compile | manage you

Image | network intrusion and deletion

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

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　　Cctv newsTomorrow is World AIDS Day. According to the data released by China CDC today, as of the end of September this year, there were 654,000 people living with AIDS reported nationwide. The analysis of epidemic situation shows that the overall epidemic situation of AIDS in China is low, but the epidemic situation in some areas and key populations is serious. From January to September this year, more than 96,000 people were newly diagnosed with AIDS, and the test results showed that the infection rate of the whole population was 5/10000, with 5 provinces with 10/10000 and 23 provinces with less than 5/10000.

　　However, although the common sense propaganda against AIDS has been deepening in recent years, the misunderstanding and fear of AIDS and HIV carriers have never stopped since AIDS first appeared in 1981. The image of AIDS has been seriously demonized. Some misunderstandings have caused HIV carriers to be discriminated and isolated from society. Today, I will take you to know AIDS again — —

　　mistaken idea

　　1. AIDS patients are skinny and devastated? Most people don’t live long.

　　In social propaganda, AIDS patients always present a frightening appearance. For example, posters posted in major hospitals show that AIDS patients are emaciated, with ulceration and various strange tumors on their body surfaces; The process from infection to death of AIDS patients in film and television dramas is also painful and rapid;

　　In the movie "goodbye mr. loser", Charlotte in the dream is on the verge of death in a short time after being betrayed and infected with HIV.

　　At the end of the movie "Favorite", Zhang Ziyi plays Qinqin, who soaks herself in cold water to cool her husband who is also infected with HIV and is already ill.

　　Infected with AIDS, will you really die soon?

　　Get out of the misunderstanding

　　Aids patients have no symptoms for a long time, and the existing medical level can greatly prolong their lives.

　　After AIDS patients are infected, there will be the following three stages:

　　① Acute phaseAfter HIV infection, there will only be some cold-like symptoms within a few weeks, such as fever, sore throat, dizziness, joint pain or swollen lymph nodes.

　　② incubation periodAt this stage, HIV carriers are no different from normal people, but they will carry HIV in their body fluids. The latent time of the virus is usually about 7-10 years, and even some carriers can be as long as 12 years without getting sick.

　　③ onset periodAt this stage, AIDS carriers really develop into AIDS patients, and there are various complications caused by immune system defects.

　　Therefore, the image of terror riddled with malignant diseases does not represent AIDS patients. Moreover, cocktail therapy in modern medical means, that is, the combination of three or more antiviral drugs to treat AIDS, can inhibit the replication of HIV to the maximum extent, delay the progress of the disease, and maintain the health of HIV carriers for about 20-40 years, during which they are no different from normal people.

　　mistaken idea

　　2. How is AIDS transmitted? Stay away from oral ulcers and gastric ulcers?

　　There was a netizen’s message like this:

　　"Sympathy, but I won’t get in touch with them. It’s very simple. I have a gastrointestinal ulcer. Although the virus is not transmitted through the digestive system, except for ulcers!"

　　In recent years, the knowledge of AIDS prevention and control has been popularized, and we all know AIDS.AIDS is spread through sex, mother-to-child and blood, so eating with HIV carriers will not be infected.

　　However,If there is an ulcer wound in the digestive system, will it be dangerous?

　　Get out of the misunderstanding

　　Even if there are ulcers, as long as you avoid romantic kissing with AIDS carriers, it is very safe and you don’t need to "stay away".

　　First of all, the content of HIV virus in the saliva of AIDS carriers is extremely small. If you want to make the virus in saliva reach the infectious amount, I’m afraid you have to swallow more than 20 ml of infected saliva at a time, so we all know that eating with AIDS patients will not be dangerous.

　　Besides,HIV can only survive in fresh blood and body fluids.So despite the gastric ulcer,As long as the ulcer wound is not allowed to directly contact the blood and a lot of body fluids of AIDS patients, there will be no danger of infection.

　　mistaken idea　

　　3. AIDS mothers can’t have children? Children will also suffer from AIDS? !

　　As we all know, mother-to-child transmission is an important way of AIDS transmission. According to preliminary estimates, there are about 8,000 children under the age of 14 among AIDS-infected people in China, and most of them are infected by their mothers.

　　Can children born to AIDS mothers suffer from AIDS? In a media survey, 34% of netizens believe that giving birth to a child in an AIDS pregnant woman will also infect the child. But more netizens believe that the current medical means can block the spread. Which is the truth?

　　Get out of the misunderstanding

　　The success rate of mother-to-child blocking technology can reach almost 98%, and pregnant women with AIDS can feel at ease!

　　Mother-to-child blocking of AIDS refers to blocking the transmission of HIV from mother to child through pregnant women’s medication, medication at birth and artificial feeding.

　　Modern medicine has proved that,Effective mother-to-child blocking of AIDS can reduce the vertical transmission rate from mother to child to about 2%.,This is much lower than the 6%-8% of newborns with congenital heart disease in China.Therefore, if we only consider the health of newborns, pregnant women with AIDS will not have any problems in giving birth to the next generation.

　　mistaken idea

　　4, AIDS patients "needle", "drop blood into food" revenge society?

　　I believe you must have received this kind reminder message:

　　What? ! Aids-infected people come out to do things again?

　　In recent years, rumors of "AIDS patients" retaliating against society have occurred from time to time in major cities. These rumors have not only made people feel insecure, but also put AIDS patients and healthy people on the opposite side, and the contradiction has become more and more acute.

　　In the previous survey, more than half of netizens thought that AIDS patients had to take revenge on society. Is it true?/You don’t say.

　　Get out of the misunderstanding

　　"Blood-dripping infection" is purely a rumor, and there is no case of HIV infection with needles at present.

　　In fact, AIDS carriers can also be very sunny!

　　First of all, the statement that blood is transmitted in food is purely a rumor, because HIV virus is very delicate in the natural environment! The high temperature of hot dishes can easily kill it, and the soy sauce, vinegar, pepper and garlic in cold dishes are not friendly to it, so friends who are afraid to go out to eat because they are worried about being infected will put their hearts in their stomachs.

　　Secondly, although it is indeed possible to infect AIDS by being stabbed by a syringe used by an AIDS patient, friends need not be too alarmed, because the probability of contracting AIDS in this way is only 0.33%, which is extremely small.

　　As mentioned earlier, the survival time of AIDS in the air is very short; The amount of blood and body fluids carried on the needle is also very small, so it is difficult to reach the amount needed for infection. So far, there is no similar case of contracting AIDS through "needle sticking". Besides,If you are really stuck in the needle used by AIDS patients, you can go to the hospital for drug blocking treatment within 24 hours to achieve the effect of 100% blocking the virus.

　　Out of these misunderstandings, will you still be afraid of HIV carriers?

　　Let’s take a look at this netizen’s message ↓ ↓

　　As he said, around us, more HIV carriers lead normal lives, and even some of them are giving back to the society with their own experiences: since 2009, Xiujuan, an HIV carrier, has become a volunteer in the Red Ribbon House, and she has used her personal experience to provide peer education to other patients to help them get out of the haze and rebuild their confidence. In recent years, volunteers who are "HIV-carrying" in "Red Ribbon" organizations around the country have become an indispensable backbone.

　　You must know these 10 AIDS prevention knowledge:

　　1. At present, there is no effective vaccine and cure drug for AIDS, but there are better treatments that can prolong life and improve quality of life.

　　2. AIDS is transmitted through sexual contact, blood and mother-to-child, and contact with HIV-infected people or patients in daily life and work will not be infected.

　　3. Keeping an honest and clean life and observing sexual morality are the fundamental measures to prevent AIDS infection through sexual contact.

　　4. Proper use of qualified condoms and early treatment and cure of sexually transmitted diseases can greatly reduce the risk of HIV infection and transmission.

　　5. Sharing syringes for intravenous drug use is a high-risk behavior to infect and spread AIDS, cherish life and stay away from drugs.

　　6. Avoid unnecessary injection, blood transfusion and use of blood products.

　　7. Preventive measures, such as timely intervention with antiviral drugs, reduction of invasive operation during delivery, and avoidance of breastfeeding, can greatly reduce the possibility of fetus and baby being infected.

　　8. Voluntary counseling and testing for AIDS is an important preventive measure for early detection of infected persons and patients.

　　9. Caring for, helping and not discriminating against HIV-infected people and patients and encouraging them to participate in AIDS prevention and control are important measures to control the spread of AIDS.

　　10. AIDS is not only a medical and health problem, but also a social problem. It threatens everyone and every family, so it is the responsibility of the whole society to actively prevent AIDS.

　　Unknown makes us full of fear of AIDS, and fear produces hostility and discrimination. Therefore, if we really want to eliminate social discrimination against AIDS patients, we have the responsibility to know more about these unknown facts about AIDS.

What I brought to my riders today is. Let’s take a look at it next.

Let’s take a look at the appearance of Ruifeng M3. The front face of Ruifeng M3 looks domineering and stylish, and looks sporty. Coupled with deep headlights, it is a bit more simple. The car is equipped with LED daytime running lights, automatic opening and closing, etc. Coming to the side of the car body, the size of the car body is 5145 mm * 1765 mm * 1900 mm. The car adopts sharp lines, and the car body looks very avant-garde, with large-sized thick-walled tires, and its shape is eye-catching. In terms of the rear, the overall shape of the rear of Ruifeng M3 echoes the front face, and the taillights look very sharp and neat.

In terms of interior, Ruifeng M3 interior design is very simple, giving people a very domineering feeling. The steering wheel of the car is well designed, made of imitation leather, and the shape is very fighting. From the central control point of view, with the 10.25-inch central control screen, the interior style is impressive and appears to be personalized. Let’s take a look at the dashboard and seats again. The dashboard design is remarkable, highlighting the trendy temperament. The car uses fabric seats, equipped with functions such as proportional reclining of seats, and the overall comfort is acceptable.

The car is equipped with rear wiper, traction control (ASR/TCS, etc.), Bluetooth /WIFI connection, cruise control, voice control and other configurations, and the configuration performance is relatively good, which improves the convenience of drivers to some extent.

After reading the above introduction, let’s make a summary. The model class introduced today is the most considered class when many people buy their first car, mainly because the size of this class is moderate and the price is reasonable.