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Notice of Kunming Municipal Bureau of Commerce on Printing and Distributing the Pilot Implementation Plan for the Development of Chain Operation in Kunming

Kun Shang Wu [2023] No.2

County (city) district, development (holiday) district commercial departments, relevant offices (units) of the bureau, relevant enterprises:

According to the spirit of "Notice of Yunnan Provincial Department of Commerce on Doing a Good Job in the Pilot Work of Chain Operation Development", in order to do a good job in the pilot project of chain operation development in our city, our bureau has studied and formulated the "Kunming Chain Operation Development Pilot Implementation Plan", which is hereby printed and distributed to you, please earnestly implement it. Work and experience summary shall be submitted to the Municipal Bureau of Commerce in a timely manner.

Kunming Bureau of Commerce

January 11, 2023

Kunming chain operation development pilot implementation plan

In order to better build a large domestic cycle, stimulate economic vitality, and promote the effective improvement of quality and reasonable growth of quantity, we insist on focusing on the real economy in developing the economy. According to the spirit of Notice of Yunnan Provincial Department of Commerce on Doing a Good Job in the Pilot Work of Chain Operation Development, give full play to the role of chain operation in expanding the effective supply of goods and services, expand domestic demand, promote consumption, ensure production and serve people’s livelihood through the development of chain operation, continuously improve residents’ consumption convenience and quality of life, and create a "new engine" for consumption upgrading, so as to ensure the development and growth of chain operation in our city and smoothly promote the pilot work, and formulate this plan.

I. Guiding ideology

Guided by Socialism with Chinese characteristics Thought of the Supreme Leader in the New Era, we will fully implement the spirit of the 20th and 19th plenary sessions of the Party, persist in promoting high-quality development, and meet the people’s longing for a better life and demand for convenient consumption in accordance with the principle of "market-oriented, basic guarantee, rational allocation, harmonious business and residential development". With the development idea of "government guidance, market operation, focusing on people’s livelihood, optimizing layout, improving functions and simplifying licensing", we will promote the "six unifications" of chain operation (unified image identification, unified store management and control, unified facility configuration, unified service standards, unified commodity procurement, unified logistics and distribution), focus on retail, catering and other industries, and combine various formats serving people’s livelihood in a chain operation way to cultivate a number of large-scale and large-scale enterprises.

Second, the basic principles

(1) Government guidance and market dominance. Give full play to the guiding role of government planning, improve the policy system and increase investment in public resources. Give full play to the decisive role of the market in resource allocation, encourage all kinds of social subjects to participate in chain operation, and enhance the service function and sustainable development ability of chain operation.

(two) people-oriented, basic protection. The pilot construction of chain operation development must adapt to the construction and development of livable environment system, meet the requirements of livability, convenience and benefit, convenience and speed, safe consumption and no nuisance to the people, gradually realize the daily consumption of residents in the community and continuously meet the growing needs of the people for a better life.

(3) Scientific planning and rational allocation. The pilot construction of chain operation development should be coordinated with the land space planning and commercial network planning, with overall allocation, moderate advance, synchronous planning, synchronous design and synchronous construction with residential and other public facilities to avoid waste of resources. Commercial facilities should be rationally allocated in the renovation of old residential areas.

(4) Intensive construction and harmonious business and residence. Combined with the implementation of urban renewal, revitalize the existing facilities resources, focus on the construction of new facilities, improve the efficiency of facilities, and advocate "one store with multiple functions and one store with multiple functions" on the premise of ensuring safety to avoid large-scale demolition and construction. Create a harmonious consumption environment for business and residence, coordinate the business environment with the living environment, and match the development of business format with the needs of residents.

(5) Innovation-driven and diversified development. In addition to conforming to the norms, the pilot construction of chain operation development should also implement the current relevant national, provincial and municipal norms and industry standards. Encourage chain operation to develop into standardization, specialization, intelligence and specialization. Adhere to the typical guide, give play to the role of demonstration, and guide the standardized and orderly progress of the pilot construction of chain operation development.

Third, the main objectives

Adhere to high-quality development, around the construction of a modern economic system, in accordance with the commercial development layout plan of Kunming (2021-2030), support the extension of chain operation to multi-industries, multi-formats and rural areas, promote the innovation of community commercial formats in the form of chain operation, and expand convenience and value-added services. Strive to complete the mid-term goal of the pilot by the end of 2023: more than 3 chain stores will be added in the city, more than 50 brand chain convenience stores will be added, more than 100 chain stores will be added, and two or three chain stores with more than 200 stores will be cultivated; The final goal of the pilot project will be completed by the end of 2024: the number of chain stores will increase by 200 on the basis of 2023, and the coverage rate of chain stores will increase by 10 percentage points. Coordinate the chain operation and the pilot construction of the "15-minute convenient life circle", support chain convenience stores to enter the community, and realize the full coverage of 15 pilot communities of the "15-minute convenient life circle".

Fourth, the key work

 (1) Guide the large-scale development of chain enterprises. Cultivate and develop a number of large-scale chain enterprise groups with strong competitiveness based on local and cross-regional development. Promote Kunming time-honored brands and brand enterprises to highlight their main business, and expand their brand advantages by developing chain operations. Encourage chain enterprises with the same format to reorganize through mergers and acquisitions, equity participation, brand output and other forms, accelerate resource integration, and achieve low-cost expansion and cross-regional development. Encourage and support qualified chain enterprises to go public, and enhance their financing ability and development potential.

(two) improve the chain convenience service outlets. Incorporate convenience commercial facilities such as chain stores into the urban public service infrastructure system, clarify the technical requirements for planning, and implement the requirement that the area of newly-built community commercial and comprehensive service facilities accounts for no less than 10% of the total construction area of the community. Cultivate a number of chain brands with high market recognition, strong brand value growth and convenient and high-quality supporting services. Combine the development of chain operation with the construction of community commerce and rural circulation network to support a number of chain enterprises in the field of people’s livelihood. Encourage brand chain enterprises to enter the community, support chain commercial service enterprises related to people’s livelihood to set up outlets in the community and rural areas, give full play to the advantages of brand chain operation, provide standardized, convenient and high-quality services, improve the standardization level of people’s livelihood consumption supply side, and enable residents to consume conveniently and safely.

(3) Expand the level of chain operation industry. Promote the chain operation to multi-field and deep-level expansion. Encourage chain operation to extend from traditional commercial service fields such as commercial retail and catering to more other service fields, accelerate the development of chain operation in domestic service, health care for the aged, new bookstores, fresh supermarkets, child care, entertainment and fitness, information consultation and other service industries, and improve the industry coverage of chain operation. Encourage chain enterprises to develop direct chain stores with capital as the link, learn from the management mode and technical means of foreign franchising, and use franchise development, which is a connection mode of goods, trade names, brands, skills, distribution and management, to promote the standardized development of franchising.

(4) Promoting the innovation of chain business model. Encourage chain enterprises to develop new models and technologies and give play to their leading role in new consumption. Support chain enterprises to establish trade alliances or horizontal alliances cooperation relations, and increase the proportion of self-operation through centralized procurement, cooperative procurement, buyout operation and development of their own brands; Encourage chain enterprises to give full play to the advantages of logistics, service and experience of offline stores, and integrate with online business flow, capital flow and information flow to realize complementary advantages and integrated development of online and offline; Support chain enterprises to use e-commerce platform to innovate service mode, and provide intensive and convenient services such as online booking, online booking, door-to-door service and community distribution.

(5) Improve the information technology and logistics support system. Promote chain enterprises to use information technology for supply chain integration, strengthen upstream and downstream cooperation in the industrial chain, and meet personalized and diversified consumer demand. Improve the socialization, standardization, informationization and specialization of logistics distribution, support chain enterprises to carry out the construction and renovation of standardized distribution centers and store facilities and equipment, encourage the application of technologies such as the Internet of Things and big data in the logistics distribution system, support the construction of a unified distribution information service platform, and improve the proportion of unified procurement and centralized distribution of goods by chain enterprises; Encourage chain enterprises to cooperate with third-party logistics, support the construction of urban logistics distribution terminal network, encourage the promotion of common distribution mode, strengthen the construction of cold chain logistics system, and improve the efficiency and level of distribution.

(6) Optimize the access approval mechanism. Further optimize the approval process, shorten the approval time for chain enterprises, and provide convenient registration services for chain enterprises. For chain enterprises whose business scope does not involve licensed operation, the trial registration of "one photo and multiple addresses" requires only one business license in the first district. If other direct stores are set up in the district, the registration of one photo and multiple addresses will be handled, and the registration of branches will no longer be handled. Explore and simplify the examination and approval procedures for tobacco business. Further refine the food business license standards, implement the "notification commitment system" for food business of brand chain convenience stores, carry out simple food heating convenience services for chain convenience stores, simplify the licensing procedures and requirements, and shorten the time limit for food business license review and certification.

(seven) to strengthen the construction of chain professionals. Improve the multi-level training system for business circulation talents in colleges and universities, vocational colleges, social vocational education and enterprise training, and promote the growth of compound high-end business talents, information services, logistics and distribution and other chain management talents. Support industry associations to carry out industry talent training, encourage chain enterprises to improve their own talent incentive mechanism, and maintain the relative stability of the talent team.

V. Support measures

(1) Cultivate brand chain leading enterprises. Introduce and cultivate a number of large and medium-sized brand chain enterprises with strong competitiveness based on local and cross-regional development, promote the development of chain enterprises, encourage and promote qualified chain enterprises to "go global" around the construction of Kunming as a regional international center city, and promote the cross-regional development of chain enterprises. For well-known international and domestic chain enterprises to set up their headquarters in our city, they can enjoy the relevant policies of the city’s headquarters economy in line with the conditions. For chain-operated enterprises that set up headquarters or branches in our city according to the requirements of the "six unifications" standard and the number of newly-added stores exceeds 20, a one-time subsidy of 10,000 yuan will be given for each newly-opened direct-operated store with an operating period of not less than one year, and a one-time subsidy of 5,000 yuan will be given for each newly-opened franchise store with an operating period of not less than one year. The maximum subsidy enjoyed by single-family chain enterprises is not more than 300,000 yuan. For newly opened (acquired) chain stores outside the city, a one-time bonus will be given according to the standard that each store does not exceed 15,000 yuan. For newly opened franchise chain stores, each store will be given a bonus of 5,000 yuan, and single-family chain enterprises will enjoy the maximum subsidy of 400,000 yuan.

(2) Digital empowerment chain management development. Encourage chain enterprises to make full use of modern information technology, promote chain stores in online to offline, carry out omni-channel operation, and provide residents with online orders, offline experience, home delivery, community group purchase and other services. Encourage chain enterprises to improve the coverage of digital management, explore the development of new convenient retail terminals such as smart retail cabinets, support chain enterprises to improve the level of intelligent management, and support enterprises to establish a smart supply chain driven by consumer big data, such as commodity procurement, inventory management and order management, to improve operational efficiency. Support the promotion of mobile payment technologies such as self-service settlement, code scanning payment and face-brushing payment, and adopt commodity management technologies such as digital shelves, electronic price tags and wireless radio frequency. For newly-built digital management (mainly including: face recognition system, big data analysis system, mobile payment system, and intelligent APP system), the chain enterprises will be awarded with a total investment of no more than 30% and a total amount of no more than 200,000 yuan.

(3) Develop joint distribution to reduce costs and increase efficiency. Support chain enterprises to build a modern logistics distribution system, build central kitchens, fresh food factories and other facilities, and establish a whole cold chain distribution system. Support chain enterprises to adopt third-party social logistics services, adopt cold chain cloud warehouse, joint distribution, LTL logistics and other modes, improve the front warehouse and distribution function of stores, promote online and offline integration, enhance distribution capacity and improve distribution efficiency. Subsidies will be given to chain enterprises that build and transform distribution centers or adopt third-party logistics services (set up distribution centers) for unified distribution. For chain enterprises that use third-party socialized logistics services, the top five chain enterprises with socialized logistics services will be given a one-time award of no more than 80,000 yuan respectively.

(four) to promote the development of convenience store brand chain. Support convenience store industry organizations to carry out standardized demonstration convenience store creation activities, and create a number of leading brand chain convenience stores. Support convenience stores to optimize the supply of goods and services, develop their own brand goods, expand the sales of old brands and green products in Kunming, and provide convenience services such as operating fresh vegetables, books, audio-visual publications, collecting and distributing, laundry and housekeeping. Support the development of unmanned convenience stores and 24-hour convenience stores, and improve the convenience service level by increasing unmanned convenience stores and 24-hour convenience stores. For chain convenience stores that adopt "six unifications" to open flagship stores and demonstration stores, each newly opened direct store will receive a subsidy of 20,000 yuan; For chain convenience store enterprises to open (acquire) more than 30 ordinary stores, each newly opened direct-operated ordinary convenience store will receive a subsidy of 10,000 yuan, and each newly opened (acquired) convenience store will receive a subsidy of 5,000 yuan. Single-family chain enterprises will enjoy the subsidy up to 300,000 yuan every year.

(five) to encourage chain enterprises to participate in the construction of county commercial system. Encourage brand chain enterprises to carry out agricultural supermarket docking. Encourage chain enterprises to take "convenience for the people and service for agriculture" as the purpose, guide the masses to invest in the construction and renovation of storefronts, lease companies and promote the development of rural chain convenience stores in the construction of chain outlets. For chain enterprises that directly supply agricultural products to our city, each new direct supply store will be given a one-time award of 10,000 yuan, and the single-family chain enterprises will enjoy the maximum subsidy of 200,000 yuan every year; For chain-operated enterprises to build new direct-operated stores or upgrade franchised stores in rural areas, a one-time award of 10,000 yuan will be given for each new store, and the maximum subsidy for single-family chain enterprises will not exceed 300,000 yuan every year.

(six) to carry out the pilot construction of "a quarter of an hour convenient life circle". Encourage chain enterprises to carry out diversified operations, improve the convenience service level, and add self-service equipment services, collection agency services, express access services, commodity pre-order services, health care services, child care services, and housekeeping services. Through the development and expansion of chain operation, it will form a strong support for building a 15-minute convenient living circle. By filling shortcomings, enriching formats, expanding the main body, innovating service capabilities, and integrating online and offline development, a 15-minute convenient living circle demonstration system with accurate positioning, distinctive features and convenient consumption will be initially formed. For chain enterprises to achieve full coverage of the "15-minute convenience life circle" pilot community by improving their outlets, they will be given 10,000 yuan up to 300,000 yuan for each new direct outlet, and 5,000 yuan up to 150,000 yuan for each new franchise outlet. This award can be enjoyed repeatedly with other awards in support measures.

(seven) to promote the development and growth of socialized service of chain operation. Carry out industry standardization construction, support industry associations and social organizations to conduct in-depth research on chain operation in Kunming, compile the Development Report of Chain Operation in Kunming, put forward industry development measures in a targeted manner, and formulate local convenience store operation norms, convenience store service operation norms and chain convenience store rating norms to promote industry standardization management. Support industry associations and social organizations to carry out industry appraisal and recognition and vocational skills competitions, strengthen industry propaganda, integrate resources, build bridges, and promote the unity and cohesion of chain operation industries. For third-party organizations to carry out the above activities, financial support of not more than 300 thousand yuan will be given.

VI. Relevant guarantees

(1) Strengthen organizational leadership. A leading group for promoting the development of brand chain operation industry in Kunming, headed by the deputy mayor in charge, was established, with the Municipal Bureau of Commerce, the Municipal Finance Bureau, the Municipal Market Supervision Bureau, the Municipal Urban Management Bureau, the Municipal Government Affairs Service Bureau, the Municipal Culture and Tourism Bureau, the Municipal Health and Wellness Committee, the Municipal Education and Sports Bureau, the Municipal Natural Resources Planning Bureau, the Municipal Agriculture and Rural Bureau, the county (city) district people’s governments and the development (holiday) district management committees as members, and the leading group office was located in the Municipal Bureau of Commerce. Take the lead in promoting the development of the city’s brand chain operation, regularly organize member units to hold work promotion meetings, establish a regular information reporting system, and collect and sort out the work promotion of various regions and departments.

(2) Clear division of responsibilities. Counties (cities), districts and departments, in combination with territorial management and division of functions, strengthen coordination and cooperation, actively break the bottleneck, increase the intensity of "streamline administration, delegate power, strengthen regulation and improve services", and incorporate the pilot construction of chain operation development into key government projects to protect people’s livelihood as an effective means to implement the strategy of expanding domestic demand, do a good job in "six guarantees" and implement the task of "six guarantees". Strengthen departmental linkage, the competent departments of commerce and housing construction should focus on strengthening work guidance, and the departments of development and reform, civil affairs, finance, human resources and social security, natural resources, culture and tourism, taxation, market supervision, finance and postal management should play their functional roles, implement supporting policies, strengthen supervision and management, optimize the business environment, and jointly promote the healthy and orderly development of the pilot chain operation.

(3) Do a good job in statistical monitoring. Strengthen the information monitoring and data statistics on the development of chain stores, encourage third-party organizations such as chain store associations to publish the development status and trends of the industry in time, provide reference and guidance for enterprises, and focus on statistics and monitoring the chain stores of enterprises with a certain number of chain stores, especially retail stores, fresh food stores, fruit shops, drugstores, etc., which focus on protecting people’s livelihood, from quantitative indicators such as the number of stores, sales volume and number of employees, so as to understand and master the chain operations of enterprises.

(4) Standardize fund management. Do a good job in organizational guarantee, strictly evaluate the performance process, strengthen the main responsibility of performance management, and improve the efficiency of fund use. For chain convenience stores that meet the requirements and pass the acceptance, they will be subsidized and supported. After examination and approval according to the procedures, they will issue incentive subsidy funds, and the required funds will be charged from the pilot subsidy funds for chain operation and development in our city issued by the Provincial Department of Finance. The whole process of enterprise incentive fund allocation is disclosed, and it is subject to supervision, auditing, financial and social supervision. If there are illegal acts such as fraud, the qualification will be cancelled, and the relevant policies will be stopped. The allocated funds will be recovered by the place where the enterprise is located, and its dishonesty will be recorded in the credit information of the enterprise.

(5) Summary, evaluation and promotion. Seriously sum up the pilot work of chain operation development, introduce third-party institutions, and evaluate against the objectives and tasks to ensure the progress of the pilot work. In-depth exploration of advanced experience and practices in the development of chain operation, optimization of a number of typical cases, strengthening publicity and reporting in various ways, creating a good social atmosphere and development environment, popularizing and replicating successful experiences, giving play to the role of relevant business associations as bridges and ties, and forming a long-term mechanism to promote the development of chain operation.

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ICAR 03 car system analysis bare car price 109,800 can enter.

Practical, affordable and comfortable are the characteristics of mainstream models. Take a closer look, they are the ones who run more on the road. I’ll bring this one to you today. Let’s take a look at it next.

First of all, from the appearance, the front of iCAR 03 looks very calm and very recognizable. At the same time, the headlights present a fashionable and sporty design style and outline a dynamic effect. The car is equipped with LED daytime running lights, automatic opening and closing, delayed closing and so on. Come to the car side, the car body size is 4406MM*1910MM*1715MM, the car uses simple lines, the car body looks very calm, with large-size thick-walled tires, eye-catching shape. In terms of the rear end, the rear end echoes the front face, and the taillights present a lovely design style, and the overall shape is still very eye-catching.

In terms of interior, the shape of iCAR 03 interior is relatively calm, which highlights the hierarchical effect. The steering wheel of the car is eye-catching, made of leather, and has a good grip. From the central control point of view, with the 15.6-inch central control screen, the interior style is impressive and looks avant-garde. Let Xiaobian introduce the dashboard and seats, which look very exquisite. The car adopts leather seats, which are wide and thick, further improving the comfort of drivers and passengers.

ICAR 03 is 205KW, the total torque is 385N.m, and the maximum speed is 150 km/h.

The car is equipped with driving mode selection, remote control key, NFC/RFID key, rear wiper, interior ambient light, traction control (ASR/TCS, etc.) and other configurations. The configuration performance is passable and basically satisfactory.

What’s your main impression of this car after reading the whole article? I wonder if you are excited about this car introduced today?

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Dongfeng Liuqi: Press the "Acceleration Key" of New Energy Transformation

  On February 23rd, 2024, the Partner Conference of Dongfeng Liuzhou Automobile Co., Ltd. was held in Liuzhou, Guangxi. The "Acceleration Key" of new energy transformation was officially pressed, and all employees of Dongfeng Liuzhou Automobile Co., Ltd. were called upon to work together with their partners to do a good job in launching new products such as Dongfeng popular Xinghai V9, Xinghai S7, Lapras HK and L2E, win the turnaround battle of passenger cars and the promotion battle of commercial vehicles, anchor the development goals and direction of 2024, and jointly open a new chapter of win-win cooperation.

Dongfeng liuqi: press the "acceleration key" of new energy transformation _fororder_image001

  For Dongfeng Liuqi, 2023 is a year of competition, a year of innovation and a crucial year for accelerating transformation. In that year, all Dongfeng Liuqi people, dealers, suppliers and service partners, Qi Xin, made great efforts to achieve annual sales of 120,000 vehicles. 2024 is the 70th anniversary of the establishment of Dongfeng Liuqi Factory. Dongfeng Fengxing will release brand-new new energy brands and strategic vehicles, and realize all-round and deep-seated "transformation" of products, users and brand image with a brand-new attitude.

  In terms of technological transformation, Dongfeng Fengxing will unswervingly promote the transformation and upgrading of products and technologies and create a "second growth curve"; We will thoroughly implement Dongfeng Group’s "great synergy" strategy and accelerate the upgrading of products and technologies based on the principle of "cooperative sharing of basic characteristics development and independent development of differentiated characteristics".

  In terms of product transformation, Dongfeng Fengxing will launch two new new energy platform strategic models, Xinghai V9 and Xinghai S7, to fully enter the family car market; At the same time, it launched four new energy products yacht PHEV, T5 EVO REEV, Lingzhi REEV and a new generation of Lingzhi, and achieved the goal of annual sales of 150,000 vehicles.

  In terms of marketing transformation, Dongfeng Fengxing will fully transform into a new energy-based marketing model, create a marketing system that responds to the market quickly, and work together from five aspects: marketing model, brand rejuvenation, direct user connection, organizational change and channel evolution to achieve brand reshaping, re-establishment and rebirth.

  In terms of supply chain, Dongfeng Liuqi will focus on building a stable strategic cooperation team and promoting the localization of parts, and continuously enhance the control of enterprises on core resources through independent investment, group collaboration, third-party construction and other diversified ways, and strive to build a supply-demand R&D community, realize the optimization and upgrading of the supply chain, build a supply-demand value community, and build a more stable and efficient supply chain system. (Source: Dongfeng Liuqi)

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"Chinese table tennis Jedi counterattack" exposed behind- the-scene Deng Chao challenges left-hand practice


1905 movie network news On January 12, the Spring Festival film starring Deng Chao, director, Deng Chao 、、、、、、、, etc., released Deng Chao’s practice behind- the-scene, focusing on Deng Chao’s role as Cai Xinhua, under the guidance of a group of top coaches, from zero basic training to being able to play with his left hand, and harvesting Cai Zhenhua’s own affirmation process. The film is based on a true story and will be released nationwide on the first day of the new year in 2023, waiting for the whole family to cheer!


National coach personally instructs "Ping Pong Xiaobai" Deng Chao to open the road to advancement in left-handed playing


On January 12, the Spring Festival movie "Chinese Table Tennis: The Jedi Strike Back" released Deng Chao’s practice behind- the-scene. As a "Ping Pong Xiaobai" who is about to play the former national player, Deng Chao sincerely invited Shi Zhihao, the former head coach of the Chinese table tennis team’s women’s team, and Li Nan, the champion of the Asian Championships women’s team, women’s doubles, and mixed doubles, to guide him personally, and the road to practice was opened. And Deng Chao’s ultimate goal is to train himself into a "left-handed general", maintaining the same playing style as Cai Zhenhua when he was a player. This goal can be called a "fantasy" for Deng Chao, who can’t even hold a right-hand horizontal racket at the beginning. What to do? Just practice!


To play table tennis well, the first thing is to develop a sense of touch. To this end, Deng Chao followed the coach’s advice after completing a period of basic training, playing with his right hand to find the ball feeling, and imitating Cai Zhenhua’s movements with his left hand. To activate the flexibility of his left hand, Deng Chao also set a "dead rule" for himself. During the filming of the film, he had to use his left hand to eat and write, and he had to get used to Cai Zhenhua’s signature move – turning the racket. During this period, multiple table tennis coaches took turns to guide Deng Chao, helping him quickly improve his "ball skills". When Cai Zhenhua led a group of prototypes to visit the class, Deng Chao also ushered in a "big test" – a direct "fight" with Cai Guiding himself. Cai Guiding’s sentence "Look how good this is!" Finally affirmed Deng Chao’s training results.


In addition to exercising ball skills, there must also be "inner play" interpretation. World-class coaches need to start with "spirit"


To interpret Cai Zhenhua well is no easy task. To create a meritorious coach, "ball skills" is only one aspect of it. If you can’t understand Cai Zhenhua’s spiritual world, the character will fall into the shackles of the visible and godless. In order to present a vivid and multi-faceted Cai Xinhua to the audience, Deng Chao went towards Cai Zhenhua’s "inner world" after contemplating and shaping the beginning of the character.


After an in-depth study of Cai Zhenhua, Deng Chao said with emotion: "The spiritual power I feel in Coach Cai is how people should face and solve seemingly insurmountable obstacles. When you see his way of working, you will reflect on your own way of working. Can we do our work so finely that we can be like a general leading an army to fight a war? Can you also predict all the problems you may see like a world champion coach? Everything is fully justified from the best result and the worst result. In a game, are you mentally prepared to face all difficulties? When you know him better, you can understand why he can become a world-class coach."


The movie "Chinese Ping Pong Jedi Counterattack" sits on the national-level national football IP, presenting a passionate story suitable for all ages, recreating the surging years of Chinese men’s ping pong returning from the trough to the peak. In the Spring Festival of 2023, the people watched the national ping pong, and the whole family cheered.


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Who will compensate for the traffic accident caused by the driver? Let me tell you the real case!

  CCTV NewsIt is the consensus of many car owners to find a surrogate driver after drinking and socializing, but if the surrogate driver is fully responsible for the traffic accident, should the insurance company insured by the owner unconditionally settle the claim? Recently, the Shanghai No. 1 Intermediate People’s Court (hereinafter referred to as the Shanghai No. 1 Intermediate Court) heard a case of subrogation by an insurance company caused by "Internet + surrogate driving". The court ruled that the surrogate driving company should be liable to the insurance company according to law.

  At 21:33 on October 22, 2014, Mr. Zhou contacted a car service company to provide chauffeur services. At 21:45, the chauffeur Tang arrived at Mr. Zhou’s location. Due to Mr. Zhou’s drinking, his friend Cai signed a "entrusted chauffeur service agreement" (hereinafter referred to as the "agreement") with a car service company. The signature of the "agreement" was stamped with the seal of a car service company.

  At 21:50, Tang had a traffic accident while driving Mr. Zhou’s vehicle, causing damage to the three vehicles. The traffic police department determined that Tang was fully responsible for the accident. Afterwards, the insurance company that insured Mr. Zhou’s car paid Mr. Zhou 53,300 yuan for the claim, and then obtained the transfer of rights issued by Mr. Zhou, and sued a car service company in court.

  The insurance company believes that a car service company, as the party providing the driving service, should ensure the safety of the vehicle. Now the company is responsible for the accident and should bear the liability of 53,300 yuan.

  The court of first instance ruled in favor of all the claims of the insurance company. A car service company refused to accept it and appealed to the Shanghai No. 1 Intermediate Court, requesting that the original judgment be revoked and the original lawsuit request of the insurance company be rejected. An auto service company appealed that it was only a driver information service platform, an intermediary who provided driver service information to drivers and customers and facilitated the signing of the Agreement between the two parties, and was not a party to the Agreement. The driver-on-behalf relationship occurred between Mr. Zhou and Tang. Even if compensation is required, it should be Tang’s compensation.

  A car service company also proposed that the "Agreement" has stipulated relevant exemption clauses. For example, Article 12 stipulates that the client should first use vehicle insurance to settle claims. The company only compensates for "the part that falls within the scope of insurance liability but fails to pay", "the increase in insurance premiums in the following year" and "traffic compensation". Article 9 "Traffic accidents caused by non-personnel operations" are not responsible. When the customer logs in to the company platform to register, the company has informed the above exemption content, and the company’s website has also been publicized. When Mr. Zhou placed an order on the same day, the company also sent the relevant terms to Mr. Zhou via SMS. Therefore, the company has fully informed the exemption clause, and the exemption clause is legal and valid, and the company should be exempted accordingly.

  After the trial, the Shanghai First Intermediate Court held that it was not improper for the insurance company to assert the right of subrogation against an automobile service company based on the contractual relationship between an automobile service company and Mr. Zhou, and the exemption clause was not legally effective because it failed to provide a prompt explanation. An automobile service company should be liable for the losses caused by the traffic accident. Finally, 2nd-round Moderation rejected the appeal and upheld the original judgment.

  The Shanghai No. 1 Intermediate Court held that an automobile service company affixed the official seal to the "entrusted party" of the Agreement, and Mr. Zhou’s friend Cai signed it at the "customer confirmation". An automobile service company also recognized that Mr. Zhou sent the information that needs to be driven to the company. According to the agreement in the Agreement that "the agreement signed by the accompanying person shall be regarded as signed by the client himself", Mr. Zhou and an automobile service company reached an agreement on the Agreement. The Agreement has come into effect, and the two parties have established a trust contract relationship. An automobile service company is a party to the Agreement. It is not improper for an insurance company to claim the right of subrogation from an automobile service company based on the contractual relationship between an automobile service company and Mr. Zhou. In addition, an automobile service company provides paid driving services, and the designated driver is fully responsible for traffic accidents during the driving process. Therefore, the company is at fault in the performance of the contract and should compensate the client, Mr. Zhou, for his losses.

  The "Agreement" is a format contract provided by the company, and Article 12 of it is a limitation of one’s own liability. The "Agreement" does not take black or bold methods to draw the attention of the client. The company claims to prompt customers through notifications during website registration and sending text messages, but does not provide evidence to prove it. Therefore, this clause has no legal effect because it fails to fulfill the obligation to prompt and explain. In addition, since the driver Tang is fully responsible for the traffic accident, this case does not fall under Article 9 of the "Agreement". "Therefore, an automobile service company shall be liable for the losses caused by the traffic accident. (CCTV reporter, Li Wenjie)

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Google re-launches specially customized maps in China, with navigation provided by Autonavi (updated)

Update [January 16, 2018 10:03:56]:Autonavi Maps said that according to relevant government policies, Autonavi Maps has no plans to further cooperate with Google Maps.

On Monday, according to Nikkei (Japan Economic News), Google will re-launch its map service in the Chinese mainland, eight years after Google Maps was last available in the Chinese mainland.

Google will launch a customized Google Maps service for the Chinese mainland, including a web version and a mobile app version.

When users try to use the navigation function in the Chinese version of Google Maps, they will automatically jump to the AutoNavi Maps app. Autonavi is a map service company owned by Alibaba Group. This means that the Chinese version of Google Maps will not support in-app navigation services, but will be provided by Autonavi navigation. This also opens a new era of cooperation between Google and local Chinese companies, and will cooperate in more areas in the future, such as artificial intelligence.

The re-launch of Google Maps in China by partnering with domestic companies also shows that Google’s China strategy is changing. At present, due to the Chinese government’s vigorous development of artificial intelligence technology, Google has done a good job in this area, such as driverless car technology. So, leaving aside the return of services such as search and video to China, Google and the Chinese government have begun to cooperate on the development of artificial intelligence.

Cooperation with the Chinese government in artificial intelligence will help Google attract a large number of Chinese AI talents, and it will also enable it to obtain a large amount of user data in cooperation with the government to develop its artificial intelligence technology, such as autonomous driving technology. At the end of last year, Google announced that it would establish a Google China AI center in Beijing to study artificial intelligence technology. According to Chinese media reports, the research and development center will be able to accommodate more than 300 people.

Earlier this month, Google invested in a Chinese mobile game streaming platform called Tentacle, which has 90 million registered users, three years after it last invested in a Chinese internet company. It is also the latest step in the search giant’s gradual return to China, although its search service is still not directly accessible in mainland China.

Google has been absent from China, the world’s largest smartphone market, since 2010, when it pulled most of its services out of the Chinese mainland after refusing to accept self-censorship of its search results. However, in March 2017, Google reintroduced its translation service in the Chinese mainland. The launch of the map service, one of Google’s best-known services, is believed to attract more Chinese users.

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Taxi New Deal: Operating royalties are cancelled, and molecular money is expected to be reduced

  China News Service, Beijing, July 29 (Zhang Ni) Recently, the General Office of the State Council issued the "Guiding Opinions on Deepening Reform and Promoting the Healthy Development of the Taxi Industry", and the Ministry of Transport and other seven departments jointly promulgated the "Interim Measures for the Management of Online Booking Taxi Business Services".

  The release of two long-awaited blockbuster documents not only clarified the legal status of online car-hailing, but also ushered in an important turning point in the development of the traditional taxi industry. In the future, new taxi operating rights will no longer be paid, and the controversial high "portion money" is also expected to be reduced.

  All new taxi operation rights are used free of charge

  – Forcing the "portion money" down?

  [Opinion]

  All new rental car operating rights shall be subject to term restrictions, and indefinite restrictions shall no longer be implemented. The specific period shall be determined by the city people’s government according to the actual local situation. All new rental car operating rights shall be used free of charge, and the operating entity shall not be changed. If the existing rental car operating rights need to be changed within the term, they shall be changed in accordance with the conditions and procedures stipulated by laws and regulations, and shall not be speculated or transferred without authorization. For existing rental car operating rights that do not specify the specific operating period or have been used for a fee, the city people’s government shall comprehensively consider all factors, scientifically formulate a transition plan, reasonably determine the operating period, and gradually cancel the paid use fee.

  [Interpretation]

  As part of the "molecular money", the paid royalties for operating rights are directly related to the cost of taxi enterprises and the income of taxi drivers, so the reform of operating rights is also regarded as the "bull’s nose" of the reform of traditional cruise vehicles.

  Wang Hao, deputy director of the Highway Traffic Development Research Center of the Highway Science Research Institute of the Ministry of Transport, analyzed the China News Service (WeChat official account: cns2012) reporter that in the past, the paid royalties charged by the government to companies or individuals for operating rights used to be an important source of funds for urban transportation construction. But now the operating rights are not just a service license, but have become an investment and speculation indicator of "rare goods to live in", increasing the operating costs of taxi companies or individuals, forcing enterprises to enter a vicious circle of "multi-pull fast running" while resisting quantity adjustment. Expert analysis said that the cancellation of the operating rights fee also makes "molecular money" have room for downward adjustment.

  Contract fee standard can be negotiated

  – Will "portion money" go down?

  [Opinion]

  Encourage, support and guide taxi companies, industry associations to negotiate on an equal footing with taxi drivers and trade unions, and rationally determine and dynamically adjust taxi contract fee standards or quota tasks according to factors such as operating costs and freight rate changes. Existing contract fee standards or quota tasks that are too high should be reduced. To protect the legitimate rights and interests of drivers and build a harmonious labor relationship. Taxi companies are strictly prohibited from charging drivers high collateral, and existing collateral that is too high should be reduced.

  [Interpretation]

  The so-called taxi "part money" generally includes vehicle depreciation, insurance, maintenance fees, driver’s basic salary, social insurance, business management costs, taxes, profits, and the sharing of operating rights and royalties. High "part money" has also been controversial.

  Wang Hao believes that with the entry of online car-hailing into the rental industry, taxi drivers have more employment options. Market regulation has increased the bargaining chips between drivers and enterprises over "part money", and the participation of trade unions and industry associations has made the negotiation more organized. In the future, the government will regulate that companies cannot charge drivers high risk deposits, etc., because high deposits limit drivers’ employment options.

  Dynamic adjustment of taxi capacity scale

  – Quantity control is no longer "monolithic"?

  [Opinion]

  It is necessary to take into account the characteristics of large, medium and small cities, the diverse travel needs of the public and the development orientation of taxis, comprehensively consider factors such as population size, economic development level, urban traffic congestion, and taxi mileage utilization rate, and rationally grasp the scale of taxi transportation capacity and the share ratio in the urban comprehensive transportation system. Establish a dynamic monitoring and adjustment mechanism to gradually realize market regulation. New and updated taxis, priority is given to the use of new energy vehicles.

  [Interpretation]

  In many parts of China, the number of taxis has not been adjusted for more than ten or even twenty years. For example, since 1994, the total number of taxis in Beijing has been controlled at the standard of more than 60,000. Does the dynamic adjustment mechanism mean that the total number of taxis will be liberalized?

  Wang Hao analyzed that the biggest problem with the control of the number of taxis in the past was that there was no dynamic adjustment mechanism. The number of taxis in some areas remained unchanged for many years, and the original market formed a solidification of interests. But in the future, with the automatic adjustment of the market, this situation is expected to be broken, and some industry participants will also anticipate the market to avoid blind entry and disorderly competition. But he stressed that due to the characteristics of the taxi operation model, dynamic adjustment does not mean liberalizing the control of the number of taxis, especially in big cities like Beijing.

  Establish a dynamic adjustment mechanism for freight rates

  – Will taxis bid farewell to the "low price era"?

  [Opinion]

  Taking into account factors such as taxi operating costs, income levels of residents and drivers, traffic conditions, service quality, etc., scientifically formulate and timely adjust the level and structure of taxi freight rates. Establish a dynamic adjustment mechanism for taxi freight rates, improve pricing rules, and improve the linkage between freight rates and fuel prices. Give full play to the leverage role of freight rates in adjusting the supply and demand relationship in the taxi transportation market.

  [Interpretation]

  Wang Hao pointed out that taxis in China are generally operated at low prices and are even used as public transportation to and from get off work, making the supply far less than the demand. Dynamic adjustment means that the future taxi fare will be able to return to a reasonable level. But he also stressed that such adjustment needs to be dynamically evaluated, because excessive freight rates will lead to a significant reduction in market demand and affect the "rice bowl" of taxi drivers.

  The integrated development of cruise cars and online car-hailing

  – Either one or the other?

  [Opinion]

  Encourage cruise car operators and online taxi booking operators (hereinafter referred to as online ride-hailing platform companies) to implement corporatized management in accordance with the modern enterprise system through mergers, reorganizations, and absorption of shares, so as to achieve the integrated development of new and old business models.

  [Interpretation]

  The legalization of online taxi-hailing means that traditional taxis will face the fate of being eliminated? In this regard, Vice Minister of Transport Liu Xiaoming commented that it is still uncertain who will replace the online taxi-hailing car and the cruise car. The two have their own strengths, and more of the two formats promote each other. It is up to the market and passengers to make the final choice.

  In Wang Hao’s opinion, the market demand for traditional cruise cars is still there, and the taxi mode of raising hands and beckoning cars makes the cruise cars operate more efficiently in the core areas of the city. In addition, passengers who have privacy requirements for the ride route or elderly passengers still have demand for traditional cruise cars, and cruise cars can also get orders through online platforms in their spare time. The integrated development of the two will provide people with a variety of choices.

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"It’s Worth It" held an event, and Wu Lei’s speech made Hu Ge’s face red


1905 movie network news A few days ago, the film held an event and attended. Wu Lei revealed that his idol was Hu Ge, causing the other party to blush on the spot and causing the audience to laugh.


In the producer-directed film, Hu Ge plays the eulogy editor for "giving away the last journey", and he has many opposite scenes with Wu Lei’s Little Yin. When asked about his relationship with Hu Ge in the play and growing up together outside the play, Wu Lei said that he has always regarded Hu Ge as an idol, but now that he has grown up, he is embarrassed to express it, and hopes to cooperate with "different characters in the future."


Hearing Wu Lei’s words, Hu Ge blushed shyly and said with a smile that he had "sweated", letting everyone see the cute side of Hu Ge.


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Revealing the daily limit | The upcoming Global Game Developers Conference will strengthen the game and cultural media sector.

On March 13, the three major stock indexes of A shares closed down, closing at a daily limit of 62 shares (including 5)ST shares); 30 strands failed to seal the board, and the overall sealing rate was 67%.

Battlefield of daily limit: over 700,000 hands pay the bill to raise money.Xingguang stock

securitiesAccording to the statistics of Times and DataBao, from the closing daily limit, the number of closed orders was the highest, with 717,200 lots; Followed byZhongdian xingfaRongji softwareThe daily limit orders were 568,800 lots and 311,000 lots respectively.

Calculated by the amount of the seal,The amount of 5-share seal exceeds 100 million yuan,China softwareThe amount of sealing orders was the highest, with 362 million yuan, 293 million yuan and 199 million yuan respectively.

Judging from the number of consecutive daily limit days,Aiai precision workLihang technology7 boards,Ming pu guang ci, 4 connecting plates,,Zhangyue technologyYinglian stockPutian technology3 even the board,,Winning numbers jewelleryJi’ nan high-techCaesar cultureEqual to 9 strands and 2 boards.

Besides,ST huatie6 th, 4 boards,*ST meisheng5 th, 3 boards,Luoxin pharmacy2 boards on the 4th,Beijing keruiBaw blue valleyST Shuguang3 rd, 2 boards.

Leading the finishing touch:new energyMulti-share daily limit of automobile industry chain

1. Automobile industry chain

Daily limit stocks:,Lan hai Hua TengSongzhi stockShanzi stockYingli automobileDongan powerBaida precision work

March 12 th news,Xiaomi automobileIt is officially announced that Xiaomi SU7 will be officially listed on March 28th, 2024. On March 11th, the director of the State Financial Supervision and Administration said that he was studying to reduce the down payment ratio of passenger car loans and further optimize the pricing mechanism of auto insurance.

: On March 13th, the Ministry of Industry and Information Technology released the 381st batch of "Announcement of Road Motor Vehicle Manufacturers and Products", which included the brand-new smart choice vehicle Enjoying S9 jointly built by Huawei and Beiqi Blue Valley, and the production place was the Beiqi Factory in Caiyu Town, Daxing, Beijing.

: wholly-owned subsidiaries Wuxi, Xu Xuehai and Xinneng.Venture capitalThe establishment of Wuxi Huateng Xinneng will focus on the early stage of Huateng Xinneng.fuel batteryTechnical reserve and research and development of automobile drive system, plug-in hybrid electric vehicle drive system (including extended range) and new energy marine drive system.

: The company has obtainedJACThe passenger car thermal management project cooperated with Huawei is still in the development stage, and the production has not been actually scheduled, which will generate sales revenue after mass production.

2、gameandCultural media

Daily limit stocks:Borui spreadCentury huatongMingchen healthyDasheng culture、、Huicheng technology

In the news, the Global Developers Conference will be held in San Francisco from March 18th to March 22nd, Beijing time.

: Two companies under the company belong to game developers, and independently research and develop well-known IP such as "Chivalrous Road".online gameThe product line covers mobile games, page games and end games.

: AI Xinghe is a project that the company explores the field of "game+medical care" by combining AI and VR technologies.

3、Xinchuang

Daily limit stocks:, Rongji software,Jiuqi softwareenormous data

In the news, Huawei Shengsiartificial intelligenceThe framework summit will be held on March 22, 2024.

: The company’s position in the operating system industry of Galaxy Kirin continued to consolidate, and its market position remained ahead.

Rongji software: the company undertakes government affairs.cloud computingPlatform, engineering, information security and other major national information projects, as well as core business support systems and key common technology platforms in many industries.

The company is mainly engaged in the research and development of report management software, e-government software, ERP software and business intelligence software, and its product line mainly covers government reports and statistics. existbig dataThe application field introduces industry solutions focusing on finance and taxation.

Dragon and Tiger Stand: Net Buy of Dragon and Tiger ListCitic HaizhiOver 80 million yuan

In today’s dragon and tiger list,Insai group、、Shenzhou high-speed railBoshi stock, American new technology,Beilong precisionChuanrun stock,, Lanhai Huateng and others are on the list.

Among them,,, were the top three net purchases in the Dragon and Tiger List that day, with 82.7471 million yuan, 69.0448 million yuan and 41.9992 million yuan respectively.

Among the stocks on the list of institutional seats, the top three net purchases areHuaci stockXingyuan zhuomei, 4.0402 million yuan, 1.3746 million yuan and 166,000 yuan respectively.

ShengutongNet selling of dedicated seatsHigh-tech development56.8152 million yuan, 55.1538 million yuan.Shanghai Stock ConnectNet purchase of dedicated seatsGuoguang electricity23.7335 million yuan,Dongmu stock20.2571 million yuan.

In terms of hot money, Huaxin Xi ‘an Branch bought a net amount of 73.0073 million yuan from CITIC Haizhi;Citic jiantouThe sales department of Qinghe East Road in Guangzhou sold century huatong 71,291,700 yuan.

Disclaimer: All information in DataBao does not constitute investment advice, and the stock market is risky, so investment should be cautious.

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Five conjectures about the application of digital RMB, which one do you care most about?

  Zhongxin Jingwei Client August 20th (Wei Wei) Imagine this scenario. Each of us has a digital currency wallet on his mobile phone. Even if the mobile phone is disconnected, you can transfer your digital currency to another person by touching two mobile phones. This scene may be getting closer and closer to us.

  In fact, the People’s Bank of China set up a special research group to study the statutory digital currency as early as 2014, and it has been six years since then. Recently, the Ministry of Commerce issued a document saying that a pilot project of digital RMB will be launched, which also rekindled the reverie of digital currency.

  What is digital RMB?

  Digital currency, the central bank, is not complicated in concept. Dong Ximiao, chief researcher of Xinwang Bank, told Zhongxin Jingwei client that digital currency refers to the digital currency issued by the central bank in parallel with cash, which is the digital form of legal tender. Digital currency (DC/EP), China’s central bank, is simply an electronic version of RMB, which is digital RMB cash.

  Insiders revealed that in recent days, the four major banks of workers, peasants and China Construction Co., Ltd. simultaneously tested the "digital RMB" e-wallet. Considering the system load and other reasons, it is still in the internal testing stage.

Agricultural Bank of China Digital RMB Wallet Source: Zhongxin Jingwei Wei Wei Photo

  On April 17th this year, the digital currency Research Institute of the Central Bank said that the digital RMB would be tested in Shenzhen, Suzhou, Xiong ‘an, Chengdu and the future Winter Olympics in order to continuously optimize and improve its functions.

  In July, Didi Chuxing said that it had reached a strategic cooperation with the digital currency Research Institute of the Central Bank to jointly study and explore the scene innovation and application of digital RMB in the field of smart travel. On August 17th, the Zhongxin Jingwei client asked Didi Chuxing about the exploration of scene application, and its reply said that there was no news to disclose for the time being, and further news would be released.

  On August 14th, the Ministry of Commerce issued the "Notice on Printing and Distributing the Overall Plan for Comprehensively Deepening the Innovation and Development of Service Trade", which announced the pilot areas of digital RMB, and some people understood it as the pilot of digital RMB may be expanded. However, in fact, the current pilot scope of digital RMB is still Shenzhen, Chengdu, Suzhou, xiong’an new area and the future Winter Olympics, and it has not changed.

  However, the news came out that the digital currency plate in the capital market is still sought after by investors. According to Wind data, the digital currency index rose by 2.81% on August 14th, rose by 3.35% again on August 17th, and continued to rise by 1.07% on August 18th, which has been rising for three consecutive days, which shows that the market is enthusiastic about digital currency concept.

  How to apply five conjectures in the future

  The application of digital RMB has also caused many conjectures. Where can I exchange it? How to apply it in the future? The Zhongxin Jingwei client interviewed a number of insiders to answer questions.

  Conjecture 1: Is the carrier an APP?

  Usually, residents can exchange paper money in commercial banks, so where can they exchange digital RMB?

  According to the internal measurement maps of ICBC, China Construction Bank, Agricultural Bank and China Bank’s digital currency wallets circulated on the Internet earlier, the four major banks are all testing the application of digital wallets.

  "digital currency is still in the testing stage. What is certain is that digital currency does not launch an APP. Maybe each bank will launch a separate APP, or it will be integrated into the apps of various cooperative banks." Bi Tong, co-founder of financial technology consulting firm PANONY, told Zhongxin Jingwei client.

  "Launching an APP separately has higher user education costs and usage costs, and pilot commercial banks may embed services in existing apps." Yang Wang, Dean of Hande Institute of Financial Technology and Senior Research Fellow of China Renmin University, told Zhongxin Jingwei client.

  Guess 2: Do I need to go to the bank to exchange money? Can I redeem it in the APP?

  From the functional point of view, the functions of digital RMB wallets in various banks are basically the same. For example, China Construction Bank includes "Sweep", "Collection", "Payment Code" and "Transfer", and users can exchange money into digital RMB through bank accounts. Bank of China includes "recharge", "withdrawal", "transfer" and "bank card". The page of Agricultural Bank includes "scan code payment", "remittance", "receipt and payment" and "touch".

  "From the circulated internal test pictures, the main functions displayed are basically similar to the daily functions of bank electronic accounts." Dong Ximiao said.

  In Yang Wang’s vision, it takes three steps to use digital RMB. The first step is to download a corresponding mobile APP;; The second step is to register, enter personal name, ID number, mobile phone number and other information, and the relevant personal credit inquiry authorization will be displayed on the APP, which requires the user to choose to agree or reject; The third step is to bind the bank account, and then the user can exchange the bank deposit for digital RMB 1:1.

  Ceng Gang, deputy director of the National Finance and Development Laboratory, predicts that there will be two accounts in the future, one is a digital RMB account, and the other is an account derived from the deposit in a bank account, and the two are in a mutual conversion relationship. Depositors can pay directly from the digital wallet, but it may involve transferring money from the bank account to the digital RMB account before making payment.

  In terms of experience, Yang Wang believes that the digital RMB wallet is similar to the third-party payment with high public acceptance, and can also support QR code payment, fingerprint payment and face payment. However, the above payment methods may not be all online at once. Considering technical problems, QR code payment may be online first, and then other payment methods will be online gradually.

  Guess 3: Can two mobile phones "touch" money to transfer money successfully?

  "As long as you and I have a DC/EP digital wallet on our mobile phones, we don’t even need a network. As long as the mobile phones have electricity and two mobile phones touch each other, we can transfer digital currency in one person’s digital wallet to another person," Mu Changchun, director of the digital currency Institute of China People’s Bank, once said in an online open class.

  Yang Wang said that a major feature of digital currency, the central bank, is dual offline payment, that is, mutual transfer can be realized without network signals.

  "Of course, it’s not that the money is transferred when touched," Yang Wang explained. This function is similar to confidential payment. Users need to sign an agreement with the bank before they can use this function. Every time they enter the transfer scene, there will be a button to confirm the payment, and they can only transfer the money after clicking agree. At the same time, this function may stipulate an upper limit, and once a certain threshold is triggered, they will not be able to transfer money, so as to ensure the security of the user account.

  In terms of security, Bi Tongtong said that some insiders also pointed out that the patents disclosed at present have not explained how to solve the "double flower problem" in the case of double offline (note: a sum of money is spent twice), which requires more technical patent disclosure. However, this problem can also be prevented by legal means, and the payment can be made after it happens.

  Guess 4: Which scenarios can be paid in digital RMB?

  Users are more concerned about the scenarios in which they can use digital RMB. Yang Wang introduced that in addition to recharging and withdrawing cash, digital RMB can also be used for transfer between users and consumption.

  According to Yang Wang, the application scenarios currently supported in the pilot stage include retail, catering, transportation card recharge, etc. With the maturity of pilot applications in the future, the application scenarios will be expanded in a wider scope.

  Recently, the media reported that Julu County, Hebei Province has applied to digital currency, the central bank, for subsidies such as environmental protection. The relevant person in charge of Lezhi Technology Co., Ltd. introduced that the company jointly developed the "Falling in Love with Julu County, Hebei Province" APP, and the poverty alleviation subsidies of local residents in the future will be distributed in the form of digital RMB, and residents can realize fund withdrawal, transfer and consumption in the APP wallet, such as paying party fees, buying train tickets, charging telephone bills and other convenient services can be settled in digital RMB.

  The company is also cooperating with commercial banks. In the future, residents can pay the digital RMB to the bank and convert it into an equal amount of RMB cash, which can be converted into electronic accounts of commercial banks or converted into paper RMB at bank outlets. It is understood that the APP will be launched in the near future, but the digital RMB function will not be open for the time being, and will be launched separately after subsequent debugging.

  Guess 5: Will Alipay and WeChat transfer money to each other in the future?

  At present, for most residents, they are used to using third-party payment such as Alipay and WeChat. Will digital RMB shake the status of third-party payment in the future?

  Bi Tongtong believes that the biggest difference between the central bank’s digital RMB and Alipay and WeChat payment lies in the difference in legal rights. The central bank’s digital currency is endorsed by the state, which is equivalent to legal tender. However, the assets of ordinary people in third-party payment are actually a bookkeeping, which is based on commercial bank settlement. Whether digital currency, the central bank, will attack the market position of WeChat and Alipay is a process determined by the market, which depends on the convenience of use, commercial value and economic scale.

  With the introduction of digital RMB, can mutual transfer between Alipay and WeChat be realized in the future? Yang Wang believes that this matter mainly considers two aspects: willingness and ability. Digital RMB is the legal digital currency issued by the People’s Bank of China based on national credit, which means that any transaction scenario must be unconditionally accepted, and the transfer function should be supported between commercial banks and third-party payment. In terms of willingness, the problem of digital RMB transfer between commercial banks is not big, but there are business barriers in third-party payment. Different platforms may be protecting their own business ecology and will not realize mutual transfer for the time being, nor does it rule out that this function will be realized in the future. (Zhongxin Jingwei APP)