(1) Training target: enterprises and institutions that have a certain demand for various applications of patents and have a certain ability to use them, except patent applications. Have a certain patent foundation, a special intellectual property department in the enterprise, and intellectual property management personnel with certain patent-related knowledge.

　　(2) Course orientation: patent creation, intermediate courses and practical training.

　　(3) Training time: 4 class hours.

　　(4) Teaching content: Patent mining refers to the process of analyzing, sorting, splitting and screening the obtained technical achievements from the technical and legal levels in technology research and development or product development, so as to determine the technological innovation points and technical solutions for applying for patents, and it is a process of extracting the technological innovation points and solutions with patent application and protection value from the innovation results. Patent mining is at the front end of enterprise patent workflow, which has a far-reaching impact on patent management, application and protection in the later period. It is the foundation of enterprise patent work and is conducive to maximizing legal rights and commercial benefits and minimizing patent infringement risks. This course highlights the characteristics of patent mining through the process of gold panning, shows and explains all the steps in the whole process of patent mining through the case of "soap box", and puts forward three "grasping hands" to effectively carry out patent mining at the end of the course. Through this simple way, the purpose is to enable the trainees to understand and master the significance and specific process of patent mining as soon as possible, and to understand how enterprise managers and patent workers can carry out patent mining within the enterprise, so as to prompt the innovation achievements of the enterprise to be converted into patent applications in time, so as to obtain stronger patent protection.

As an important protection in the process of drug development, patent is self-evident. The number of patents owned by an enterprise not only forms important intellectual property protection for products, but also reflects the status and value of the enterprise. However, patents are also divided into "three, six and nine grades". A high-quality authorized patent not only protects the value of the product, but also has high value itself. However, a patent full of loopholes is difficult to obtain authorization. Even if it is authorized, it will be easily challenged by competitors, and eventually it will be "invalid", which will bring serious economic losses to enterprises. Therefore, it is extremely important for the pharmaceutical industry to understand "invalid patent" and achieve "from defense to attack"

What is the "patent invalidation system"

Patent invalidation system, which is regarded as "a corrective procedure for wrong patent authorization", has attracted much attention in patent systems in various countries, and its essence has the functions of error correction, defense and defense. The invalidation of patent will have a direct impact on the validity of patent right, and whether the patent right is effective and stable is an important premise and index to measure the quality of patent. Generally speaking, the invalidation of an invention-creation experience is finally kept valid, and its patent value is higher, which will also have an important impact on the subsequent measures taken by the patentee and the invalid claimant.

With the rapid increase in the number of drug patent applications and patent authorizations in China, there are more and more phenomena of using invalidation to challenge other people’s drug patents and expand their own benefits. Even the patent departments of some companies will organize personnel to "attack" competitors’ patents; At the same time, in order to keep the core claims of their own patents, some patentees have reduced their patent protection scope through invalidation to avoid subsequent patent litigation. In short, it is one of the necessary skills for every pharmaceutical company to protect its "core rights" by using the patent invalidation system as much as possible.

Based on the case of sildenafil patent in Pfizer, the author explains the importance of "invalid patent". In this case, the key points of the game for "invalid reasons" are as follows:

1. The patent specification shall explain the drug activity, preparation method, effective dosage and use method of the drug, and describe the medical effect of the drug on the second indication in detail through animal experiment or clinical trial data. However, the writing of the instructions is far from the above requirements, so that technicians in the technical field can’t know what medicine to use, what disease to treat, how to use the medicine correctly and how effective it is by reading the instructions without creative labor.

Second, this patent specification only generally records that the compounds of the present invention have been tested in vitro and found to be strong selective inhibitors of PDE-V with specificity for cGMP; Ordinary technicians in this profession can’t see what the so-called particularly preferred compounds are from this description, while the claims seek to protect the use of four products, and ordinary technicians in this profession can’t determine the relationship between these four products and the particularly preferred compounds in the above text description.

Three, the applicant made a major amendment to the claim, in fact, after the original claim was deleted and reassembled. This modification cannot be directly and undoubtedly derived from the information disclosed in the original specification and claims. Obviously, because the original specification and the claims did not fully disclose that the products in the present claims have clear medical functions and unexpected technical effects as required by the Patent Law, the modification results of the claims cannot be directly and undoubtedly derived from the specification and the original claims.

4. As the existing cGMP and PDE inhibitors can be used to treat ED, it has been suggested and suggested many times in the relevant literature, it is not difficult for ordinary technicians in this field to draw the results in the claims from these tips and suggestions.

On the above questions, Pfizer answered each "invalid reason" one by one, proving that there is no problem with the creativity of its patent. After that, the original Patent Reexamination Board of China National Intellectual Property Administration finally declared the patent authorized by the original research company Pfizer invalid through in-depth research. Pfizer was dissatisfied with the above decision of the original re-examination board, and immediately appealed to the Beijing No.1 Intermediate People’s Court to sue the original patent re-examination board, requesting the court to cancel its decision of invalidation. After repeated debates, in 2006, the Beijing No.1 Intermediate People’s Court officially announced the revocation of the decision of No.6228 made by the original Patent Reexamination Board. Since then, Pfizer’s Viagra has made huge profits in China every year, but sildenafil produced by domestic generic drug companies cannot be listed. This situation continued until the listing of domestic sildenafil "Jinge" in 2014.

The importance of "public opinion"

The application for "invalid patent" can not be disputed only after authorization. When the application documents appear, they can be questioned in the form of "public opinions". Article 48 of the Detailed Rules for the Implementation of the Patent Law stipulates that "from the date of publication of an application for a patent for invention to the date of announcement of the grant of a patent right, anyone may put forward opinions to the patent administration department of the State Council and explain the reasons", which is also called "public opinions" in the industry. Pharmaceutical enterprises should make full use of this provision to protect their own interests to the maximum extent.

The rosiglitazone case illustrates the importance of "public opinion". In 1993, GlaxoSmithKline applied for a series of patents including pharmaceutical compounds and compositions, such as the invention patent application with the application number of CN98805686.0, which requested to protect the pharmaceutical composition containing 2mg~8mg of rosiglitazone. The application date was June 2, 1998, the publication date was July 5, 2000, and it was authorized on July 2, 2003. It can be seen that it took about three years from the disclosure of the patent application to the announcement of authorization. During these three years, the relevant enterprises in China did not put forward any "public opinions".

In 2004, when Shanghai Sanwei Pharmaceutical, Zhejiang Wanma Pharmaceutical, Chongqing Taiji Group and other domestic enterprises have invested a lot in research and development of this drug or entered the stage of drug registration, they suddenly received a lawyer’s letter from GlaxoSmithKline, claiming that the products developed by the above-mentioned enterprises infringed their patent ZL98805686.0, demanding that the above-mentioned enterprises stop the research and development and listing of related products and compensate for the losses. As a result, these enterprises jointly requested the original patent reexamination board to declare the patent invalid. Although the case ended in GlaxoSmithKline’s abandonment of the patent, it lasted for a long time and had a great impact, causing huge losses to China enterprises.

Analyzing the case, when domestic pharmaceutical companies were ready for production and even obtained the approval of drug production, they found that they were facing the infringement lawsuit of foreign pharmaceutical companies, so they passively responded and rushed to the original Patent Reexamination Board to file a patent invalidation request in an attempt to invalidate the patent. In this case, even if the patent right can finally be declared null and void in whole or in part, China enterprises still face huge market risks and interest losses due to the long trial period and long-term uncertainty of rights.

In fact, an application for a patent for invention will be published within 18 months from the date of filing (unless the applicant requests it to be published in advance), and then the Patent Office will start substantive examination on it at the request of the applicant. If the examiner thinks that the patent application conforms to the relevant provisions of the Patent Law and the Detailed Rules for the Implementation of the Patent Law, the patent right will be granted and announced to the public, otherwise, it will be rejected. After the patent is granted, anyone (the third party) who thinks there is a problem with the patent grant may go to the relevant department to request that the patent be declared invalid. Of course, if you are not satisfied with the invalidation or review decision made by the relevant department, either party can also bring a lawsuit in court. Generally speaking, after an invention patent is published 18 months from the date of filing, it sometimes takes 2-4 years to decide whether to authorize it. At this stage, whether the patent application can be finally authorized is still in a pending state, which is the time allowed to put forward "public opinions" as stipulated in Article 48 of the Detailed Rules for the Implementation of the Patent Law. It can be seen that how to reduce the losses caused by patent disputes relatively, the "public opinion" before patent authorization is very important.

In recent years, Chinese pharmaceutical enterprises have paid more and more attention to the protection of intellectual property rights. The intellectual property departments of many large pharmaceutical companies have even reached the scale of 100 people. In addition, for some important patent applications, some pharmaceutical companies will take them to more professional patent agencies for secondary processing and polishing before submitting applications. It can be seen that pharmaceutical companies pay more and more attention to patent application and are more and more cautious about controlling patent quality. With the increasing number of patent challenges and invalid patent applications, the trend of domestic pharmaceutical companies turning from defending to attacking intellectual property rights has been initially established.

(Qiang Sen)

　　BEIJING, April 28 (Xinhua) According to Hong Kong’s Ming Pao, since the beginning of the last century, Hong Kong has produced more than 10,000 films, of which 4,000 have become the collections of the Hong Kong Film Archive. In 2019, the Hong Kong Budget allocated HK$ 20 million, which enabled the Film Archive to digitize an additional 30 films each year. The museum revealed that 10 of them will be digitized in the first year after the grant, including Bruce Lee’s early films and Huang Feihong’s film series, which are expected to be released to the public as soon as 2020-2021.

　　Yang Kexin (left), director of the Hong Kong Film Archive, said that he has been collecting film from different sources, and the collection now covers 4,000 films. . Image source: Hong Kong Ming Pao/photo by Zhong Linzhi

　　Digital movies contain martial arts, detective, horror and other themes.

　　Yang Kexin, director of the Film Archive, said that the digitized films mainly came from the 1950s and 1960s, and most of them had only one copy or negative, hoping that digitization could preserve these orphan copies.

　　In 1950s and 1960s, Hong Kong’s film industry flourished. In the first year after the film archive was funded, many digital films were produced during this period. Ten films included Bruce Lee’s early films, Kwan Tak-hing’s Huang Feihong series, Chen Baozhu’s "Jane Bond Film" and "Ghost Talented Director" Gongliang Yang’s horror films.

　　Yang Kexin said that most of the films digitized after the grant were orphans, and many of them were never shown after being collected. "If you get a copy, you will try not to use it, because every time the film is broadcast by the projector, it will inevitably be worn out.".

　　Yang Kexin said that he has been collecting films from different sources. In recent years, the most important batch came from a San Francisco theater, which was Hong Kong film before the 1930s and 1940s, and it was a very important cultural heritage.

　　She said that among the 4,000 films, about 170 films have digital versions. In the past, 20 films could be digitized every year. After funding, more manpower and resources can be increased, and 30 more films can be made every year. "The goal is that 1/10 of the collections will have digital versions in five years."

　　Hire young technicians to inherit the film restoration technology

　　The film should be preserved, and the technology of repairing film and film repair should also be passed on. Before the film is digitized, it is necessary to check whether the film is damaged. Yang Kexin said that film repair is a professional technology. At present, several technicians in their twenties and thirties joined the museum two or three years ago, and some of them were "laymen". Only after they joined the museum did they learn from Master to check and repair damaged films.

　　After the film is digitized, it may need to be digitally restored to improve the quality of sound and pictures. Yang Kexin said that unlike commercial restoration, the restoration in the museum is based on the principle of restoration, "it will not be better than the released version of that year".

　　Yang Kexin said that the film archive will study whether it needs to be expanded, but it is a long-term plan. "We need to consider whether more people and more places are needed to place the collections, but this needs to be linked to the growth of the collections." The space of the data library is limited, so it is not necessary to expand the scope of the museum. We can also find warehouses outside the museum to store the collections.

　　Stock trading depends on Jin Qilin analyst research report, which is authoritative, professional, timely and comprehensive, and helps you tap the potential theme opportunities!

　　Source: Yema Finance

　　What happened to "the first share of new energy garden machinery"?

　　The first report card after listing made investors very dissatisfied.

　　On January 31, 2024, Gree Bo released a performance forecast, saying that the company expects its operating income to be 4.6 billion yuan to 4.7 billion yuan in 2023, down 9.8% to 11.7% in the same period; It is estimated that the net profit returned to the mother will be a loss of 370 million yuan to 430 million yuan, a year-on-year decrease of 239.1% to 261.7%; It is estimated that the non-net profit will be a loss of 300 million yuan to 360 million yuan, down 235.7% to 262.9% year-on-year.

　　The year of listing was a huge loss, which immediately attracted the attention of Shenzhen Stock Exchange. On February 6, Shenzhen Stock Exchange sent a letter of concern to Gree Bo, asking Gree Bo to explain the specific impact of downstream retailers’ destocking on the company’s income; Rationality of the decline in gross profit margin; The reason and rationality of the increase in sales expenses.

　　Source: Screenshot of Gree Bo Announcement

　　In this regard, many investors said that "listing will be a huge loss, a problem company!" "It’s been falling every day this month, but it’s still falling and not rebounding", "Doubtful life of falling", etc., and some investors questioned Gree Bo’s "fraud".

　　Source: screenshot of the stock bar

　　Moreover, according to the statistics of the media "Deepwater Finance and Economics", among the 1,072 listed companies that have issued advance notices, only 10 will be listed in 2023, of which 3 will reduce losses and 5 will increase losses. Among the 2 pre-losses, except those listed on the North Stock Exchange,(830809.BJ), Gree Bo is the only company that lost money in the first year of listing.

　　In 2019 and 2020, Gree Bo also has a net profit growth rate of over 200%; A year ago, with the aura of "the first share of new energy garden machinery", Gree Bo successfully went public with a gross profit margin and price-earnings ratio much higher than that of the same industry. What happened to Greebo in just one year?

　　Where is the loss?

　　In fact, Greebo’s losses have long been warned.

　　On February 8, 2023, Greebo successfully landed on the founding board. The first quarterly report after the listing of Greebo showed a decline in revenue and net profit. In the first quarter of 2023, Greebo’s operating income was 1.551 billion yuan, a slight decrease of 0.77%. The net profit of returning to the mother was 87 million yuan, down 40.78% year-on-year.

　　By the second quarter, Greebo directly turned into a loss. According to the semi-annual report of Gree Bo in 2023, in the first half of 2023, the company achieved an operating income of 2.581 billion yuan, down 18.79% year-on-year, and the net profit attributable to the mother was a loss of 54 million yuan, down 121.24% year-on-year.

　　In this regard, Gree Bo explained that the main reason is that retail wholesalers gradually turned to the active destocking stage, which slowed down the procurement pace of suppliers and the sales of the company’s products declined. Moreover, in order to go out of stock, Greebo stepped up product promotion in stages and lowered the prices of some old products through discounts and other means. In the first half of 2023, the gross profit margin of Gree new energy garden machinery products was 25.26%, down 1.17% year-on-year.

　　Even if the demand of downstream suppliers weakens, it is necessary to go to stock by promotion. But Greebo still believes that this is a good time to grab the market.

　　"In order to seize the favorable position in the market and strive for greater profits in the future, the company increased its sales investment. In the first half of the year, the company continued to increase its brand building, the sales staff increased, the marketing expenses increased, and due to the increase of the company’s scale and inventory goods, the storage expenses also increased significantly year-on-year."

　　According to the semi-annual report of 2023, the sales expenses of Gree Bo were 398 million yuan, up 40.93% year-on-year.

　　Although Greebo spent a lot of sales expenses, it still failed to stop the downward trend of performance. By the third quarter of 2023, Greebo’s losses were further aggravated, with revenue of 3.468 billion yuan, down 16.93% year-on-year; The net profit of returning to the mother was-175 million yuan, down 186.58% year-on-year.

　　The trend of "falling endlessly" still failed to stop in the fourth quarter. The operating income in 2023 is expected to be 4.6 billion yuan to 4.7 billion yuan, down 9.8% to 11.7% year-on-year; It is estimated that the net profit returned to the mother will be a loss of 370 million yuan to 430 million yuan, a year-on-year decrease of 239.1% to 261.7%.

　　According to Greebo’s disclosure, the reasons for the decline in performance are similar to those in the first three quarters. Including: due to the destocking of downstream retailers, the company’s operating income decreased by 9.8% ~ 11.7% year-on-year; The decline in operating income and gross profit margin affected the company’s gross profit by 190-210 million yuan; Sales expenses, research and development expenses and management expenses increased by 270-290 million yuan year-on-year; Due to the sharp year-on-year decrease in exchange income, the company’s financial expenses increased by about 130 million yuan in 2023.

　　Is the loss reasonable?

　　The huge difference before and after listing has made many investors question whether Greebo is "fraudulent".

　　Source: screenshot of the stock bar

　　First of all, the "destocking" mentioned by Gree Bo in the financial report is indeed the key word of the whole industry of lithium battery OPE in 2023.

　　"After two consecutive rounds of restocking, the channel inventory of retailers in Europe and the United States reached a historical high, and the demand side began to cool down under the influence of the Fed’s continuous interest rate hike. Therefore, since 2022Q3, retail began to enter the destocking cycle, and the order placing speed slowed down, which was reflected in the decline in the order growth rate of domestic agents and brands at the upstream production end." Ji Xiangyang, a researcher at China Merchants Household Appliances, said.

　　However, knowing that downstream suppliers have gone to their own inventory and there is no high consumer demand, Gree Bo still chooses to spend a lot of sales expenses.

　　According to the semi-annual report of 2023, among the sales expenses, all the detailed items of sales expenses of Gree Bo almost doubled. Among them, wages and salaries rose from 75.47 million yuan to 97.49 million yuan, advertising and marketing expenses rose from 109 million yuan to 128 million yuan, and storage expenses rose from 41.68 million yuan to 87.66 million yuan.

　　Source: screenshot of annual report

　　Although on the record sheet of investor relations activities on September 4, Greebo said that there were three major sales expenses in the first half of the year, namely, personnel salary, marketing and warehousing. With the decline of inventory level, warehousing expenses will decline in the second half of the year.

　　However, in the third quarterly report, Greebo’s sales expenses increased by 26.66% year-on-year, due to the increase of sales channels, storage fees and brand building and marketing.

　　Unsurprisingly, the money was spent and failed to bring corresponding returns. In 2023, Gree Bo’s revenue, net profit and gross profit margin declined across the board.

　　In this regard, Gree Bo still blames the downstream suppliers. "Due to the destocking of downstream retailers, the company’s related investment did not achieve the expected revenue growth. In 2023, the company’s own brand business revenue was basically the same as that in 2022."

　　It is worth noting that before listing, Gree Bo’s sales expense ratio was lower than that of its peers, and its gross profit margin was higher than that of its peers, which shows that Gree Bo can obtain higher sales revenue and profits at a lower cost. However, after listing, this advantage of Greebo suddenly disappeared, which increased the sales expenses, but the gross profit margin fell to the average level of peers. From 2019 to 2022, and from January to June in 2023, the comprehensive gross profit margin of Gree Bo was 34.49%, 35.10%, 27.5%, 25.72% and 25.26% respectively.

　　Source: Screenshot of Prospectus

　　"If a company’s gross profit margin is high, it means that the competitiveness of its products is stronger than that of other companies in the same industry, and the company should have certain negotiating advantages in product sales. It can be inferred that the company’s sales expenses will not account for a high proportion of operating income. If the gross profit margin of the company is much higher than that of the same industry, and its sales expense ratio is also lower than that of the same industry, it is unreasonable; Similarly, if the company’s gross profit margin is much lower than that of the same industry and its sales expense ratio is higher than that of the same industry, it is equally unreasonable. " Ma Jinghao, an expert in finance and taxation, said.

　　On March 22nd, 2023, just one month after the listing of Gree Bo, Kelvin Cui, then the company’s chief financial officer, and Ji Zhenghua, the secretary of the board of directors, left their posts. Among them, Kelvin Cui has served as the chief financial officer, director and chief financial officer of Gree Bo since November 2018; Since December 2018, Ji Zhenghua has served as assistant to the chairman of Gree Bo and secretary of the board of directors of Gree Bo.

　　As of February 8, 2024, Gree Bo’s share price closed at 11.35 yuan/share, which was 63.21% lower than the issue price (30.85 yuan/share). The total market value has shrunk to 5.553 billion yuan.

　　Source: screenshot

　　The stock price fell to "knee"

　　Can the Master of Returnees "pull back a city" by increasing their holdings?

　　According to the Prospectus, Gree Bo was established in 2002, and has been engaged in research and development, design, production and sales of new energy garden machinery since 2007. It is one of the leading enterprises in the global new energy garden machinery industry.

　　The company mainly sells its own brands, and its products can be divided into lawn mowers, lawn mowers, cleaning machines, hair dryers, pruning machines, chain saws and intelligent mowing according to their uses., intelligent mounted mowing vehicle, etc. At present, there are brands such as greenworks and POWERWORKS under the company flag (Jin Qilin analyst).

　　The actual controller of the company is Chen Yin, the co-founder and chairman, who was born in 1973 and is 51 years old.

　　Chen Yin has rich working experience in foreign-funded enterprises. He studied in England and got a master’s degree. After that, he successively served as the product manager of Shanghai Biocy Gas Co., Ltd., a foreign-funded enterprise, and the general manager of Shanghai Star Jack Power Tools Department, a foreign-funded enterprise. Later, he also served as the general manager of the Asia-Pacific procurement center of Fiskars Group in Finland.

　　In 2016, Chen Yin, who has a foreign working background, also introduced an external investor from Germany-STIHL to Greebo. STIHL is a manufacturer of garden machinery and a customer of Greebo.

　　In 2020, Greebo was changed into a joint-stock company, and on May 21, 2021, it submitted the Prospectus on the Growth Enterprise Market of Shenzhen Stock Exchange. After nearly three years, Greebo went public on February 8, 2023. At that time, it was called "the first share of new energy garden machinery" by the outside world.

　　After listing, the performance of Greebo’s share price rose all the way. Its listing price was 30.85 yuan/share, the highest price reached 41.82 yuan/share on the first day of listing, and finally closed at 38.3 yuan/share, with a total market value of 18.62 billion yuan.

　　According to the third quarterly report in 2023, Chen Yin holds about 56.32% of the shares in Gree Bo. Based on this calculation, Chen Yin is worth 10.487 billion yuan.

　　Who knows, Greebo’s share price peaked when it went public. Only one month later, it "showed its original shape" and then it "sat on the slide" all the way. On March 14th, 2023, Gree Bo’s share price fell below the issue price, and the lowest price on that day was 29.17 yuan/share.

　　Chen Yin’s worth has also shrunk. According to the Hurun Report, Chen Yin made his debut in the 2023 Hurun Report with a net worth of 5.5 billion yuan.

　　Source: screenshot of Hurun Report

　　Galaxy Securities said that the deduction of new shares breaking tide is directly related to the price-earnings ratio of initial public offering. According to the Prospectus, the initial price-earnings ratio of Gree Bo is over 63 times, which is significantly higher than the industry’s price-earnings ratio of 33 times. According to wind data, as of February 7, 2024, the static P/E ratio of Gree Bo was 18.09 times.

　　Source: screenshot of straight flush

　　Faced with this situation, on February 6, 2024, Gree Bo released an increase plan. According to the announcement, GHHK, the controlling shareholder of the company, or Chen Yin, the chairman of the company, intends to increase the company’s shares within six months. The planned amount of this increase is between 25 million yuan and 50 million yuan.

　　However, can Chen Yin, a master of returnees, "stop" the falling stock price by increasing his holdings?

　　What do you think of Greebo’s "performance change" in its first year of listing?

　　Democracy is the common value of all mankind and an important concept that the people of the Communist Party of China (CPC) and China have always adhered to. Report to the 20th CPC National Congress, the Communist Party of China, regards the development of whole-process people’s democracy as one of the essential requirements of Chinese modernization, profoundly revealing the great significance of developing whole-process people’s democracy in the new journey of building a socialist modernized country in an all-round way. Chinese modernization contains a brand-new concept of democracy, which enriches the theory and practice of realizing democratic values and makes important contributions to promoting the progress of human political civilization.

　　The whole process of people’s democracy is the most extensive democracy.

　　Democracy is a political form formed by human society after thousands of years of exploration, which has played an important role in the process of human development. Democracy is historical, concrete and developing, and there is no one form of democracy in the world. The key to judging a form of democracy depends on whether it adapts to its own history and culture, conforms to its actual national conditions, can bring about political stability, social progress and improvement of people’s livelihood, can win the support and support of the people, and can make contributions to the cause of human progress.

　　In November 2019, General Secretary of the Supreme Leader put forward the important exposition that "people’s democracy is a whole-process democracy" for the first time during his inspection tour in Shanghai, which profoundly expounded the characteristics and advantages of China’s socialist democracy. At the celebration of the centenary of the founding of the Communist Party of China (CPC), General Secretary of the Supreme Leader further emphasized that "people-centered development thought should be practiced to develop people’s democracy in the whole process". The historical resolution adopted by the Sixth Plenary Session of the 19th CPC Central Committee included "developing people’s democracy in the whole process" as the important content of Socialism with Chinese characteristics Thought of the Supreme Leader in the new era in the "Ten Clarities". Report to the 20th CPC National Congress, the Communist Party of China, explicitly wrote "developing people’s democracy in the whole process" into the essential requirement of Chinese modernization, and further proposed that "the people’s democracy in the whole process will be more perfect" by 2035. During the two sessions of the National People’s Congress in China this year, "upholding and developing people’s democracy in the whole process" was written into the Legislative Law of People’s Republic of China (PRC).

　　Erik Bigon, editor of Kenya Broadcasting Corporation, noted that among the delegates of the National People’s Congress in China, there are workers from various industries, such as couriers, farmers, teachers, doctors and journalists. "In many other countries, it is difficult for people in some industries to get similar opportunities.".

　　Mahmoud hassan Khan, director of the Center for South Asian and International Studies in Islamabad, Pakistan, believes that at the National People’s Congress in China, the deputies reflected the opinions and suggestions of people from all walks of life in various fields, vividly demonstrating the connotation of people’s democracy in the whole process.

　　Harold, Zimbabwean Permanent Representative in Geneva, believes that the Greek word "democracy" originally means "people’s power", and "China’s democratic practice is closer to the original spirit and connotation of this concept".

　　True democracy, good democracy, to make the people the masters of the country, the people not only have the right to vote and vote, but also have the right to participate extensively; Not only can you express your wishes, but you can also achieve them effectively; Not only promote national development, but also share the fruits of development. In the whole process, people’s democracy truly adheres to the people’s dominant position, and everything is for the people and everything depends on the people.

　　At the National People’s Congress in China in 2021, Zhou Yizhe, a representative who has been a forestry worker for decades, put forward some suggestions such as appropriately increasing the proportion of cost subsidies for the pilot construction of universal telecommunications service in forest areas. Nowadays, the coverage rate of public network communication in key state-owned forest areas in Daxing ‘anling has increased from 10% to 50%, and forestry workers basically don’t have to "run all over the mountain to search for a network signal".

　　Robert kuhn, chairman of the American Kuhn Foundation, commented that Chinese-style democracy is not a castle in the air, but includes various feedback and interaction mechanisms, especially people’s congresses at all levels, whose main goal is to ensure a good life for all people. Tan Zheli, a senior researcher at the Mbeki Institute of African Leadership of the University of South Africa, believes that the whole process of people’s democracy in China "aims at serving the fundamental interests of the overwhelming majority of the people and bringing tangible benefits to the people".

　　Yi Si, chairman of the Royal Institute of East-West Strategy, was a special member of the Changchun CPPCC and a consultant of the Shanghai CPPCC. He personally participated in the practice of Chinese-style democracy and is currently writing a book on democracy in China. He learned that CPPCC members come from all walks of life, and most of the proposals are "very practical and grounded." In his view, "the Communist Party of China (CPC) attaches importance to the differences in conditions, customs and practices between the eastern and western parts of China and between urban and rural areas, and has made great efforts in balancing representation. Democracy in China is worth learning from. "

　　Martinez, a British social activist, believes that in China’s democratic system, people enjoy democratic rights at all social levels, not just during the election period. The elected deputies can hear the opinions, needs and expectations of the broad masses. "After the COVID-19 epidemic, China has made prevention and control of the epidemic, protection of the health and safety of the general public, and protection of people’s lives a priority. This is people’s democracy, and this is socialist democracy."

　　The whole process of people’s democracy is the most real democracy.

　　From "small courtyard chamber" to "house forum", from offline "round table" to online "discussion group", from NPC deputies insisting on asking for the needs of the people and asking for the people, to CPPCC members participating in grassroots consultations to solve urgent problems … … Complete institutional procedures and participation in practice make the whole process of people’s democracy change from value concept to institutional form, governance mechanism and people’s lifestyle rooted in China. China develops people’s democracy in the whole process based on its national conditions, which not only has distinctive China characteristics, but also reflects the common pursuit of democracy by all mankind. It not only promoted the development of our country and national rejuvenation, but also enriched the form of human political civilization.

　　"China’s unique road to modernization and development shows that every country and its people have their own unique insights, strength and imagination, and can explore and use their own history and reality to establish a system and promote the national development process." Charles Onunaiju, director of the China Research Center in Nigeria, said in an article published in Nigeria’s Blueprint.

　　Yu Deshuo, deputy mayor of Bath, England, who has conducted extensive research in rural areas of China, attended the democratic forum in Wenling, Zhejiang. The villagers sat around the big tree with small benches, and the scene of speaking freely about the development of the village impressed him deeply. "The participation of the people is related to the degree of democracy and affects the expression of decision-making will. In this sense, China’s whole process of people’s democracy has richer and deeper connotations. "

　　Kuhn believes that China strives to improve the living standards of all its people, which involves reform, rule of law, public participation, human rights protection and other aspects. "More than 1.4 billion people in China have truly become masters of their own affairs and explored new paths for the development of human democracy. This is China’s great contribution to human political civilization."

　　The whole process of people’s democracy broke the hegemony of western democratic discourse. Martin jacques, a British scholar, believes that in the eyes of western countries, democracy originated from western polity and will gradually expand into a universal system for all mankind. This view lacks historical common sense and does not respect cultural differences. "Western countries account for less than 15% of the global population, but they think that their own systems should be accepted by all mankind, and all regimes that do not conform to the Western system are incorrect. Successful governance is not to copy the system and rules of one country to other countries, especially when the national conditions of the two countries are completely different. Democracy means respecting a country’s cultural traditions and allowing the country’s governance model to bear fruit in its own environment. "

　　Whether a country in the international community is democratic or not should be judged by the international community together, not by a few self-righteous countries. "The rich and diverse civilizations in the world are full of vitality, and the rich diversity of civilizations, especially political civilizations, means that there is no single model of democracy that can be mass-produced." Jin Ping, director of the Institute of International Relations of the Royal Cambodian Academy of Sciences, believes that only by respecting the diversity of civilizations and enhancing inclusiveness can we promote and consolidate regional and even global peace and harmony, and promote the building of a community of human destiny in which no one is left behind.

　　People’s democracy is the most effective democracy in the whole process.

　　"The rule does not have to be the same, and it is expected to benefit the people." Democracy is not an ornament, not for decoration, but for solving problems that people need to solve. In the final analysis, the evaluation of a form of democracy depends on whether it can make the people live a good life.

　　Jonny miller, Executive Chairman of the US-China Cooperation Foundation — White once wrote that China has successfully practiced the whole process of people’s democracy, a unique form of democracy, and proved to the world that Socialism with Chinese characteristics’s democratic system can create enormous economic and social benefits for all people.

　　In the decade of the new era, China has completed the historical task of getting rid of poverty and building a well-off society in an all-round way, and the cause of the party and the state has made historic achievements and changes, pushing forward a new journey of building a socialist modern country in an all-round way. These achievements fully show that the continuous enrichment and development of people’s democracy in China can stimulate the infinite initiative and creativity of the people of China and promote the all-round promotion and progress of Chinese modernization.

　　Ma Yijun, a senior researcher at the Globalization Think Tank, believes that the true meaning of democracy is to serve the people, and China’s democracy is well deserved. "The China government has responded to the people’s call and made efforts to improve people’s lives and livelihoods. Before legislation, China will announce the draft law to the public and solicit opinions. This is a big example. "

　　Chinese modernization is a comprehensive and free development modernization, and it is a five-in-one modernization of economic construction, political construction, cultural construction, social construction and ecological civilization construction. Among them, the fundamental task of political construction is to continuously develop socialist democratic politics, continuously build high-quality Chinese-style democracy, and constantly ensure that people’s rights as masters of their own affairs are implemented.

　　In Yi Si’s view, the practice of Chinese-style democracy can solve practical problems. "This is achieved through consultation at every level of the administrative department in a wide range of society and full discussion within the party."

　　The people’s congress system in China embodies the superiority of the socialist system. While ensuring that the party and the state can hear the voices of the people in all aspects of decision-making, implementation and supervision, it also ensures that the decision-making is far-sighted and can be implemented efficiently. Martin jacques believes that only a very confident political party with a solid mass base can successfully make long-term policy adjustments when necessary.

　　Igor Maximtsev, president of St. Petersburg State University of Economics, believes that the whole process of people’s democracy in China adheres to the people-centered, conforms to China’s national conditions and reality, and contributes China’s wisdom to human political civilization. Countries should respect each other’s democratic model, strengthen exchanges and mutual learning, and jointly promote the continuous development of human civilization.

　　The Communist Party of China (CPC) insisted on coming from the masses and going to the masses, was good at constantly summing up the wisdom and experience of the people, and concretely and realistically reflected the people being the masters of the country in the policies and measures of the party’s governance, so that the party’s theory and decision-making have the source of practice and keep the vitality of innovation.

　　Onunaiju said that China’s modernization process does not directly copy the experience of other countries in the world. On the contrary, it absorbs foreign experience on the basis of its own national conditions, combines it organically, and has been tested by practice. The national consensus formed in consultation and cooperation integrates all different viewpoints and visions into the macro road map of national development, and condenses the consensus and will of the whole society.

　　China’s concept of democracy comes from the fertile soil of Chinese modernization in practice, which will be enriched and developed with the advancement of Chinese modernization, and will contribute more China wisdom to the progress of human political civilization.

　　The rapid popularization of mobile payment makes people have rich reverie about "cashless society". China is the most widely used country of mobile payment in the world, and it is also one of the countries closest to a cashless society. However, only relying on mobile payment can not meet the requirements of the digital finance era, and the concept of "digital currency" with a deeper focus came into being.

　　Recently, the relevant person in charge of the People’s Bank of China (hereinafter referred to as the central bank) said in public that the digital currency system is being developed and the "digital RMB era" is coming. Why did the central bank launch the digital currency? What are the connections and differences between digital currency, the central bank, online payment and so-called "virtual currency"?

　　What’s different about digital currency?

　　At the 3rd China Financial Forty-Person Yichun Forum held recently, Mu Changchun, Deputy Director of the Payment and Settlement Department of the Central Bank, said that the digital currency Research Institute under the Central Bank had started the development of the digital currency system as early as 2018, and digital currency, the central bank, was "ready to go", which subsequently triggered a wide discussion in the Internet and financial circles.

　　It is not a temporary move for the central bank to study and issue digital currency. It is reported that from 2014 to now, the research of digital currency, the central bank, has been going on for five years. In 2017, the digital currency Research Institute of the Central Bank was formally established. At present, the Institute has applied for 74 patents involving digital currency technology.

　　In recent years, with the development of Internet technology, especially blockchain technology, many so-called "virtual currencies" have emerged around the world, such as Bitcoin and Wright currency, which have been controversial in recent years. So, what is the difference between the digital currency proposed by the central bank and these commercial "virtual currencies"?

　　From the perspective of monetary attributes, "virtual currency" such as Bitcoin is not money in essence. Unlike the legal tender issued by the state, "virtual currency" is not supported by national credit. Its speculation is affected by factors such as tight supervision and technical problems, and its price often fluctuates greatly, which greatly interferes with the normal order of the domestic and even global monetary and financial systems.

　　From the principle of currency circulation, in order to ensure the orderly operation and macro-control of the financial system, only the state can exercise the highest power of issuing currency. Therefore, digital currency, the central bank, is a legal digital currency issued by the central bank based on national credit, which is essentially different from "virtual currency" such as Bitcoin.

　　Can it really replace circulating cash?

　　China’s electronic payment is very developed, so why should the central bank introduce the statutory digital currency? "For ordinary people, the boundary between the basic payment function and the central bank’s digital currency is relatively vague, but the central bank’s digital currency in the future is very different from electronic payment in some functions." Mu Changchun said that in the past, the transfer of funds of electronic payment tools had to be completed through traditional bank accounts, while digital currency, the central bank, could realize the value transfer without traditional bank accounts, which greatly reduced the dependence on accounts in the transaction. Generally speaking, digital currency, the central bank, can be as easy to circulate as cash, which is beneficial to the circulation and internationalization of RMB, and can also achieve controllable anonymity.

　　It is understood that the existing cash in circulation is easy to be anonymously forged, and electronic payment tools such as bank cards and Internet payment cannot fully meet the public’s demand for anonymous payment. Therefore, the design of digital currency, the central bank, mainly aims at the substitution of cash in circulation, which not only keeps the attributes and main features of cash, but also meets people’s needs for portability and anonymity.

　　Wang xin, director of the Research Bureau of the Central Bank and the Bureau of Currency, Gold and Silver, said that the central bank’s digital currency mainly replaces cash to a certain extent in China, which will help to optimize the central bank’s monetary payment function and improve the central bank’s monetary status and the effectiveness of monetary policy.

　　From this point of view, the introduction of digital currency by the central bank is neither a popular e-wallet or online payment, nor a complete "reinvention" to replace the existing RMB system, but a brand-new encrypted electronic money system with certain substitution for circulating cash.

　　Shao Fujun, chairman of China UnionPay Co., Ltd., said that the statutory digital currency by the central bank will have a great positive impact, which can improve the efficiency of monitoring the currency operation and enrich the means of monetary policy.

　　It is reported that digital currency, the central bank, is mainly used for high-frequency business scenarios of small retail. Zhou Xiaochuan, the former governor of the central bank, once pointed out that the essence of studying digital currency is to pursue the convenience, rapidity and low cost of the retail payment system.

　　R&D is in the state of "horse racing"

　　In recent years, commercial virtual currency has been controversial, and people increasingly realize that the future development trend of digital currency is still the legal digital currency issued by central banks based on national credit.

　　It is understood that no central bank in the world has officially launched the statutory digital currency. Many central banks, including the Bank of England, the Bank of Canada and the Bank of Sweden, are developing the legal digital currency. The International Monetary Fund says it plans to launch a global digital currency under the SDR mechanism — — International Monetary Fund currency (IMFCoin).

　　At present, China is still in the stage of accelerating research and development in digital currency. For example, the central bank held a working video conference in the second half of 2019 on August 2, demanding "accelerating the pace of R&D in China’s legal digital currency". Recently released "Opinions of the Central Committee of the Communist Party of China and the State Council on Supporting Shenzhen to Build a Pilot Demonstration Zone in Socialism with Chinese characteristics" clearly stated that "innovative applications such as digital currency research and mobile payment are supported in Shenzhen".

　　It is understood that in the future, the central bank will not directly issue digital currency to the public, but adopt a two-tier operating system, that is, the central bank will first exchange digital currency for banks or other operating institutions, and then these institutions will exchange it for the public. The central bank has stipulated that digital currency should be piloted in some scenes in the early stage, and then further promoted when it is more mature. Due to prudent consideration, the pilot exit mechanism will be well designed.

　　Mu Changchun revealed that at present, the development of digital currency, the central bank, is in a state of "horse racing", and several designated operating agencies adopt different technical routes for research and development. "It’s not necessarily a blockchain, any technology will do. Regardless of blockchain or centralized account system, electronic payment or so-called mobile money, the central bank can adapt to any technical route you take. "

The annual "Double Eleven" Festival is about to kick off. While participating in the "feast" of shopping, consumers must also beware of all kinds of hidden "traps". In order to comprehensively and objectively reflect the integrity of e-commerce during the "Double Eleven" online shopping festival, China Credit magazine, a China reform newspaper, today released the "Double Eleven" Early Warning Report on Credit Risk in E-commerce (2018) (hereinafter referred to as the "Early Warning Report"). Based on the comprehensive consideration of the internal and external environment of the industry, the new problems and new trends that have emerged in the past year, and the analysis of the results of the questionnaire survey on online shopping of "Double Eleven", the Early Warning Report summarizes ten credit risks that consumers should guard against, five credit risks that businesses should guard against, and five trends that government departments need to pay attention to.

As an important node for consumers in China to conduct centralized online shopping, "Double Eleven" has become an important window to observe the credit construction in the field of e-commerce in China. Under the guidance of the National Development and Reform Commission, China Credit, a reform newspaper in China, has published an Early Warning Report for three consecutive years since 2016, which objectively sorts out and accurately judges all kinds of credit risks that may occur in the Double Eleven from the perspective of a third party, and puts forward relevant early warnings and feasible preventive measures, aiming at providing friendly reminders for consumers to shop online and providing necessary reference for relevant departments and e-commerce platforms to do a good job in risk prevention.

The "Early Warning Report" pointed out that at present, all localities and departments have continuously strengthened credit supervision, the awareness of service and supervision of major e-commerce platforms has been continuously improved, consumers’ awareness of credit risk has been significantly enhanced, and the online shopping environment has improved greatly compared with previous years. For example, breakthroughs have been made in the legalization and standardization of credit construction in the field of e-commerce; The awareness of mutual cooperation among various departments has been enhanced, and the joint efforts of governance have taken shape; The pace of credit construction in various regions has been accelerated, and the space for counterfeiting and all kinds of illegal business has been further reduced; The self-discipline awareness of the e-commerce platform has been enhanced and the credit environment has been further optimized.

According to the Early Warning Report, the top ten credit risks that consumers should guard against include the promotion risk of false profits, the risk of "mixed sales" of "online celebrity" products, the risk of "targeted sales" in the community, the risk of online shopping "second-generation" leaks, the risk of "fans" blindly following social platforms, the risk of impersonating e-commerce customer service fraud, the risk of "e-commerce exclusive supply", the risk of Haitao goods being fake and genuine, and some. The five major credit risks that businesses should guard against include: the limited operation risk stipulated by the "two-in-one" overlord, the rising price risk of logistics costs, the return risk of "seven days without reason", the positive and negative "violent" brush-off risk, and the "lack of bid" risk of rural e-commerce; The five major trends that the relevant government regulatory authorities need to pay attention to include the need to follow up relevant measures after the countries along the Belt and Road have become the "New World" of e-commerce, the hidden concerns of banks entering the "e-commerce loan", the imbalance of rural e-commerce business structure should be paid attention to, the problem that merchants’ promotional information disturbs people needs to be solved, and the development prospect of new e-commerce model remains to be seen.

In view of the above risks, according to the new situation of e-commerce credit risk this year, the Early Warning Report puts forward corresponding suggestions or preventive measures for government departments, consumers and businesses respectively. Among them, consumers should focus on "four understandings" and "four noes", that is, "know their own needs, so as not to be greedy", "know the rules of merchants, so as not to be confused", "know the trading procedures, so as not to be dizzy" and "know the ways to protect rights, so as not to be afraid"; Merchants should focus on "four more and four less", that is, "pay more attention to word of mouth and less attention to profit", "pay more attention to innovation and less blind imitation", "make more real profits and less sales promotion", "communicate more patiently and less complain and blame"; It is suggested that government departments should make "four further steps", namely, further promoting the effective implementation of the Electronic Commerce Law, further optimizing the market environment of fair competition, further strengthening the standardization of electronic commerce, and further "expanding the scope" of joint rewards and punishments, so as to make unscrupulous merchants afraid, unable and unwilling to break their promises. In addition, the annex of the Early Warning Report also collected "Ten Typical Cases of Trustworthiness" and "Ten Typical Cases of Breach of Trust" in the field of e-commerce.

It is reported that after the "Double Eleven" this year, China Credit magazine, a China reform newspaper, will also compile and publish the "2017" Double Eleven "online shopping comprehensive credit evaluation report, so please pay attention.

[link]

"Double Eleven" Early Warning Report on Credit Risk in E-commerce
(2018)

Honesty is an important content of socialist core values, and social credit system is an important foundation of economic and social development, which is highly valued by the CPC Central Committee and the State Council. Not long ago, the National Information Center collected more than 27 million pieces of information directly related to social atmosphere from January 2017 to April 2018 on Internet, Weibo, WeChat and other major platforms, comprehensively analyzed the demands of the masses, and sorted out the "Top Ten Worries of Social Atmosphere", among which "lack of honesty and fraud are flying all over the sky" was the most annoying thing for the masses. The General Secretary of the Supreme Leader made important instructions on this, demanding to pay attention to the worries and troubles of the masses and do the work in a targeted manner.

As a new economic format and business form, e-commerce plays an increasingly prominent role in China’s economic development. According to the China E-commerce Report (2017) issued by the Ministry of Commerce, in 2017, China’s e-commerce transactions reached 29.16 trillion yuan, up 11.7% year-on-year, and the national online retail sales reached 7.18 trillion yuan, up 32.2% year-on-year. Among them, the online retail sales of physical goods was 5.48 trillion yuan, a year-on-year increase of 28%, accounting for 15% of the total retail sales of social consumer goods. The rapid development of e-commerce has played an important role in leading the digital economy, promoting deepening reform, promoting opening up, helping rural revitalization and promoting entrepreneurial innovation, and has become the most active and concentrated part of the digital economy. At the same time, the phenomenon of "lack of honesty and fraud flying all over the sky", which is the most annoying phenomenon of the masses in the social field, is also widespread in the virtual world, even more hidden and more difficult to prevent.

This year is the tenth year of the "Double Eleven" Shopping Festival, and the "Double Eleven" Shopping Carnival has become an important node for consumers in China to concentrate on online shopping and a veritable national shopping feast. "Double Eleven" not only shows the vigorous vitality of China’s economic development, but also makes hundreds of millions of consumers feel the convenience and beauty of life, which not only enhances consumers’ "happiness", but also injects new energy into China’s economic transformation and upgrading, and has become an important window to observe the credit construction in China’s e-commerce field.

Judging from the "Double Eleven" promotion activities carried out by major online shopping platforms in China, some network operators are suspected of price fraud, false propaganda, counterfeiting, unfair competition and other illegal acts, which are still refurbished and repeatedly banned. In order to comprehensively and objectively reflect the integrity of e-commerce during the "Double Eleven" online shopping festival, China Credit magazine, a China reform newspaper, has published the "Double Eleven" Early Warning Report on Credit Risk in the field of e-commerce every year since 2016, giving early warning tips on the honest operation of major e-commerce companies and the rational consumption of netizens, which has been widely praised by all sectors of society. This year, we continue to follow this topic, through in-depth research and extensive data collection, further analyze and judge the new development trend of e-commerce and credit risks, and put forward relevant early warning and feasible preventive measures for various credit risks that may occur on the eve of "Double Eleven", which is not only a friendly reminder for consumers to shop online, but also a necessary reference for relevant departments and e-commerce platforms to do a good job in risk prevention.

First, the situation of joint management continued to strengthen, and the online shopping environment highlighted a positive trend.

In recent years, under the strong leadership of the CPC Central Committee and the State Council, relevant parties have made concerted efforts to promote the construction of social credit system, the legal environment for credit construction in the field of e-commerce has been continuously improved, credit supervision has been continuously strengthened in various localities and departments, the awareness of service and supervision of major e-commerce platforms has been continuously improved, consumers’ awareness of credit risks has been significantly enhanced, and the online shopping environment has improved greatly compared with previous years.

(1) Breakthrough progress has been made in the legalization and standardization of credit construction in the field of e-commerce.On August 31st this year, the Fifth Session of the 13th the National People’s Congress Standing Committee (NPCSC) voted to pass the E-commerce Law, which will take effect on January 1st, 2019. The "Electronic Commerce Law" strengthens and implements the responsibilities of e-commerce platform operators from the legal level, and clearly stipulates that e-commerce platform operators shall bear corresponding responsibilities according to law for goods or services related to consumers’ lives and health, if they fail to fulfill their audit obligations for the qualifications of operators in the platform, or fail to fulfill their security obligations for consumers, thus causing damage to consumers. Binding the e-commerce platform with the seller’s tort liability is consistent with the review and management obligations entrusted to the e-commerce platform by law, adding an "equity insurance" to consumers’ online shopping. In addition, there are clear regulations on tying goods or services, deposit refund, "big data killing" and personal information protection that consumers have strongly reflected. The promulgation and implementation of this law will have a far-reaching impact on the development of e-commerce in China. In a certain sense, this year’s "Double Eleven" can be seen as a preview test before the official implementation of the "Electronic Commerce Law", and it is also an important window for relevant e-commerce platforms and merchants to adjust their business models and conduct self-inspection and self-discipline.

(2) The awareness of mutual cooperation among various departments has been enhanced, and the joint efforts of governance have taken shape.On May 14th this year, the National Development and Reform Commission, the Central Network Information Office, the Ministry of Industry and Information Technology and other eight departments jointly issued the "Notice on Strengthening the Special Governance of Dishonesty in E-commerce", demanding that the special governance of dishonesty in e-commerce be strengthened. The notice requires that illegal and untrustworthy behaviors in the field of e-commerce be severely cracked down. For the untrustworthy subjects listed in the "blacklist", such as making and selling fake goods, brushing letters and illegally collecting, abusing, leaking and reselling personal information, they should be standardized and ordered and rectified within a time limit according to the relevant regulations of the competent authorities of the industry. In June this year, the General Administration of Market Supervision, the National Development and Reform Commission, the Ministry of Industry and Information Technology and other 11 departments issued the Notice on Printing and Distributing the 2018 Network Market Supervision Special Action (Cyber Sword Action), and deployed all localities to jointly carry out the 2018 Network Market Supervision Special Action (Cyber Sword Action) from May to November. The notice puts forward that by carrying out the cyber sword action, we will focus on cracking down on illegal activities such as cyber infringement and counterfeiting, single-page speculation, false propaganda, false and illegal advertisements, and implementing platform responsibilities and standardizing format contracts, so as to better realize the full-process and full-chain accurate supervision of the online market, further curb the prominent illegal problems in the online market, improve the quality of online goods and services, improve the competitive order and consumption environment in the online market, and promote the construction of social credit system. In terms of joint punishment, the role of the blacklist system has been further highlighted. Since October 2017, the National Development and Reform Commission has issued four batches of blacklists for special governance of dishonesty in the field of e-commerce, involving a total of 1,092 enterprises.Including contract disputes involving the untrustworthy executors, enterprises infringing intellectual property rights, enterprises involved in pyramid schemes, and enterprises in which the untrustworthy executors are still engaged in online commodity trading and business activities.

(3) The pace of credit construction in various regions has been accelerated, and the space for counterfeiting and all kinds of illegal business has been further reduced.As we all know, local protectionism used to be a breeding ground for fake and shoddy products in many places in China. In recent years, with the deepening of the construction of social credit system, more and more regions have realized the important significance of "credit" to the local social image, and regarded it as an important starting point to promote the structural reform of supply and realize the economic transformation and development. More and more cities have also taken the initiative to apply to join the ranks of "demonstration cities for the construction of social credit system". In terms of governance in the field of e-commerce, various regions have also made many beneficial explorations in light of their own conditions. Jiangsu, Sichuan, Fujian, Guangxi and other provinces, autonomous regions and municipalities have issued the implementation plan of "Strengthening Credit Construction in E-commerce in an All-round Way", focusing on the construction of credit system, supervision system, disciplinary system and other fields in the whole process of e-commerce, and put forward effective measures such as fully implementing e-commerce registration and certification, establishing credit evaluation of online transactions, and inquiring about credit record information of merchants. Ningxia Hui Autonomous Region has established an "anti-speculation" alliance cooperation mechanism, and the Department of Commerce of the autonomous region has taken the lead in organizing and guiding e-commerce platforms, Internet companies, logistics enterprises and other related enterprises within its jurisdiction to establish an "anti-speculation" alliance to promote the sharing of credit information among alliance member enterprises according to laws and regulations, so as to control and control the problem of dishonesty in the field of e-commerce more specifically.Shenzhen City, Guangdong Province has formulated several documents to promote the healthy development of e-commerce, such as Several Measures for Serving the Healthy and Rapid Development of E-commerce Market, Several Provisions for Promoting the Construction of Trusted Trading Environment of E-commerce in Shenzhen, Measures for the Management of Transaction Credit Information of Internet Operators in Shenzhen, and Rules for Online Trading Contracts in Shenzhen, etc., exploring and further improving the legal standard system and online trading credit evaluation system, strengthening the construction of e-commerce credit information management system and improving the credit management level of e-commerce platforms. Yangzhou, Jiangsu, Dongyang, Zhejiang, Zibo, Shandong and other cities have proposed to establish a real-name registration and authentication system in the field of e-commerce, and establish a red and black list system for merchants who are trustworthy and untrustworthy. According to the characteristics of e-commerce platform, Yangzhou has established a system of mutual credit evaluation, credit score, post-transaction evaluation or additional evaluation for both parties to e-commerce transactions, recorded the evaluation of both parties and the performance of service commitments in credit files, and fully disclosed the evaluation results and scores for market traders’ reference. The active efforts and bold exploration and innovation in various regions have played an important role in promoting and demonstrating the fundamental improvement of the e-commerce environment.

(4) Self-discipline awareness of e-commerce platforms has been enhanced, and the credit environment has been further optimized.In China, most e-commerce activities are carried out on the e-commerce platform. The 42nd Statistical Report on Internet Development in China shows that as of June this year, the number of netizens in China reached 802 million, and the Internet penetration rate was 57.7%. In the field of e-commerce retail, in 2017, three companies including Alibaba, JD.COM and Suning.cn achieved a net profit of 69.98%. Together with six companies including Hailan House, Vipshop, Gaoxin Retail and Yonghui Supermarket, the net profit of nine large households was 106.059 billion yuan, accounting for 80.30% of the total net profit. In the current era of digital economy, as an Internet enterprise with a large number of users and network behavior data, it has the ability and responsibility to play a greater role in building a social credit system, creating a good credit environment, and promoting social development and civilization progress. During its tenure as the rotating chairman of the anti-speculation alliance, JD.COM Group established the "Sunshine Integrity Alliance" with more than 10 leading enterprises such as Tencent, Baidu and Wal-Mart, and implemented comprehensive data information sharing with the National Information Center, which promoted the credit construction in the field of e-commerce. Alibaba Group has launched an enterprise credit inquiry platform. After logging in, users only need to enter the enterprise name or legal representative information on the website to inquire about their credit rating and relevant information of the enterprise. In addition, Alibaba announced the permanent closure of 36 merchant stores that seek benefits by unfair means. In August this year, Taobao officially announced the launch of the "Amoy Credit" program. "Amoy credit"The comprehensive score reflecting the seller’s willingness and ability to operate in compliance with Taobao, including business history, violation records, buyer relationship, qualification commitment and other dimensions, is another upgrade in the store credit system. Based on the "Amoy Credit" system, Taobao provides various business guarantee services for sellers with high compliance willingness and compliance ability. In principle, the higher the score of "Amoy Credit", the more types of guarantee services and the higher the service level. On September 29th, nine large-scale e-commerce platform enterprises, including Alibaba, JD.COM, Suning, COFCO Womaiwang, Jumeiyoupin, Xiaohongshu, Life Home, SF Express and Yimutian, jointly issued the anti-fraud and anti-false propaganda convention of e-commerce alliance food and health food. On October 10th, 10 companies including Alibaba, Gome Retail and JD.COM signed the Convention on Integrity in E-commerce in Beijing, and made commitments in seven aspects: "genuine goods, fair play, objectivity, data protection, effective rewards and punishments, open sharing and keeping promises".

Second, e-commerce credit risk warning tips

While great progress has been made in the integrity construction of e-commerce, it is worth noting that with the rapid development of high technologies such as network technology, big data and cloud computing, the scale, format and means of communication of e-commerce have changed greatly since the "Double Eleven" shopping festival was just put forward in 2009. While the common phenomena of dishonesty in e-commerce in the past, such as counterfeiting, false advertising, service breach, false transactions, single-bill speculation, malicious bad reviews, still exist to varying degrees, some new phenomena of dishonesty are also beginning to breed and spread, especially the huge network gray-black industrial chain, which has become a "hard bone" in public governance. Through in-depth research, we comprehensively consider the internal and external environment of the industry and the new problems and trends that have emerged in the past year, and sort out the top ten credit risks that consumers should guard against, the five credit risks that businesses should guard against, and the five trends that government departments need to pay attention to.

(A) the top ten credit risks that consumers should guard against

In the past 10 years, the "Double Eleven" online shopping festival has experienced a trial period, an exploration period, an outbreak period and a diversified period. In this process, consumers have become more rational and mature. Consumers’ shopping habits are developing from impulsive consumption to rational planned consumption, and price is no longer the only factor for users to consider in shopping decisions. In this context, although the traditional phenomenon of dishonesty in e-commerce still exists, we should be extra vigilant against the emerging risk signs in recent years. According to the impact on consumers, we sorted out the top ten risks that consumers should focus on this year.

1. False profit promotion risk. During the "Double Eleven" period, all kinds of e-commerce companies take promotional measures such as spike, profit-making, and red envelopes, which makes it easy for consumers to spend impulsively. However, there are also some merchants who raise prices before the "Double Eleven" event, and then offer discounts such as prepaid or offset coupons. The actual selling price may be slightly lower, which is not as large as the preferential margin in the publicity, or even lower and lower. Consumers should not be fooled by the event. At the same time, some merchants play gimmicks such as "losing money, just to save popularity" to attract consumers at ultra-low prices, but consumers find that they are not in line with the promise of web promotion after purchasing. For example, false commodity material expression, inconsistent color and size, exaggerated somatosensory feelings, and concealed invisible charges. This phenomenon has been manifested in the "Double Eleven" activities over the years, and it is also the consumer risk that causes the most complaints.

2. "online celebrity" product "mixed marketing" risk. There are many kinds of online shopping, which is convenient, time-saving and labor-saving, and can also be purchased across regions. In recent years, some "online celebrity" products with local characteristics have also become popular shopping choices. However, in fact, the output of many products in the country of origin is very limited, and many of the products sold on the Internet are products from neighboring areas, and there are often cases of shoddy and mixed sales. Moreover, many products, once labeled with the country of origin, have doubled their prices. For example, Zhangqiu iron pot in Shandong immediately attracted consumers’ pursuit after the broadcast of China on the Tip of the Tongue. However, as the pots sold better and better, there were more and more fake pots that faked Zhangqiu’s origin. After several waves of madness, the original iron pot with a bite of dozens of pieces soared, and the most expensive one reached thousands of yuan. Soon, the real pot was destroyed and unsustainable.

3. Community "targeted marketing" risk. In recent years, shopping groups targeted at specific consumers have become popular. While exchanging shopping experiences and striving for greater discounts for members in the group, they have also become a "new blue ocean" that some platforms and businesses have begun to compete for. They have developed the community-like functions of QQ groups and WeChat groups, and used characteristic interest groups, such as mom groups, parenting groups, reading groups and sports groups, to achieve word-of-mouth effect and "targeted sales" to attract more users. However, there are also some unscrupulous merchants who use shopping groups to publish false information and sell fake and shoddy products. At the same time, they adopt various trading methods to avoid formal trading channels, which not only makes consumers’ shopping more insecure, but also makes them have no complaints when disputes arise.

4. Online shopping "second generation" leakage risk. Before the "Double Eleven" last year, e-commerce websites, QQ groups and other platforms appeared a "second-generation" business to help people take photos of seconds-killing goods. Buyers prepare the products and links that need to be snapped up in advance, and then provide the seller with the shopping account number and password. The price is usually between 10 yuan and 20 yuan. In addition to using e-commerce platforms such as Taobao, in some QQ groups, there are many sellers who provide "second generation" and snap-up business. And some QQ group owners also directly sell "professional software" for grabbing goods. Network security experts said that at present, all online shopping accounts have been registered in real-name registration system, and the real-name account itself is a kind of personal identity authentication, and handing over identity information to online merchants involves a greater risk of information disclosure. After the personal information such as the buyer’s purchase record, delivery address and telephone number is leaked, the fraudster may grasp the buyer’s personal preferences, shopping habits, consumption level, work unit, home address, contact number and even contact information of relatives and friends, and once this information is used, there will be great security risks.

5. "Fans" of social platforms blindly follow risks. In recent years, online celebrity’s economy has gradually become popular, and "online celebrity" is also developing from a traditional social platform to a live broadcast platform. Taobao live broadcast was launched in January 2016. In the past year, live stream economy ushered in a period of rapid development, with the number of users doubling, and the growth rate of transaction scale was even more alarming. Driven by Taobao, JD.COM and other major e-commerce platforms have launched live broadcast services, and short video platforms such as Tik Tok have also become new hot spots for e-commerce. Some so-called "big V" anchors promote goods in various entertainment ways, resulting in a new "fan" economy. In the live broadcast, the audience often "passively" blindly buys, which is impulsive and sometimes even falls into the trap carefully designed by the anchor. On some popular social platforms, many "online celebrity" exaggerate the function of products by writing "feeling after using", but in fact they have never used such products, which hurts the interests of ordinary consumers. There are also some "black sheep" who, in order to reap huge profits, recommend inferior products to fans and disrupt market order. Recently, "Mei pi Cat Niang", who was successfully brought to justice, has 640,000 fans on Weibo. She used the identity of "online celebrity" to know fakes and sell fakes, and her profit in five minutes was as high as one million yuan.

6. Pretending to be an e-commerce customer service fraud risk. Since the beginning of this year, criminals have frequently cheated residents by posing as "e-commerce" customer service personnel, and many residents have been deceived, resulting in huge property losses. Liars obtain online shopping order data through illegal means, contact the buyer according to the order information, falsely claim that there are "quality problems" in the online shopping products, offer to make "compensation" or "refund" to the buyer, send the QR code or link to the consumer, and request to input the bank card information. Finally, the scammer will use the buyer’s bank card information to steal the consumption (such as buying a prepaid card). When the scammer needs to confirm the payment, he tells the buyer that the refund operation is currently being processed, and asks the buyer to ".

7. "E-commerce exclusive supply" differential supply risk. In the early days, merchants liked to make a fuss about the price, but now the supervision is becoming stricter, coupled with the intensive price war "festival", many merchants have specially customized the online supply of e-commerce channels for consumers. Many brands carry out both online and offline sales systems. In order to maintain the stability of the price system and maintain the ecological balance of online and offline channels, merchants regard some goods as "e-commerce-only goods". At the same time, "e-commerce-only" products look exactly the same as those sold in physical stores. If you look closely, you will find that there are differences in color, interior equipment or some functions. According to the statistics of E-commerce Research Center, there are many kinds of products that are "exclusively for e-commerce" at present, which are mainly "hidden" in daily necessities such as clothing, shoes, hats, bags, household appliances, bathrooms and paper products. There are three kinds of "e-commerce special supply" goods, namely, the same paragraph is different in quality, the same brand is different in quality, and the brand is stolen. Consumers should be cautious when shopping, and don’t be greedy for cheap.

8. Haitao goods are at risk of counterfeiting. With the rapid development of Haitao channel, almost all major e-commerce platforms have launched overseas sections, making it easier to buy foreign goods. While various platforms are expanding, the phenomenon of private overseas purchasing is also expanding rapidly. In order to gain the trust of customers, most full-time purchasing agents will show the information such as goods supply, logistics and counter photos one by one, and win a group of loyal consumers with warm and meticulous service. The fierce competition between platform and purchasing makes this market unprecedentedly prosperous, but it also brings huge credit risks. In 2016, the unqualified rate of retail food and cosmetics in cross-border electronic commerce, which was sampled by the former General Administration of Quality Supervision, Inspection and Quarantine, reached 4.6%, which was more than five times that of general goods imported in the same period. The 2017 double 11 online shopping report released by China Consumers Association shows that e-commerce platforms such as Jumeiyoupin, Honeybud, Pinduoduo and Beibei are all suspected of selling fakes. In recent years, the Wechat business platform, which has sprung up, is in a vacuum of legal supervision. In Haitao’s fake goods production and sales chain, not only the products themselves are faked, but also the shopping receipts, entry certificates and express delivery information can be faked, which makes consumers hard to prevent. Because the laws and regulations are not completely perfect, there are various difficulties in the supervision of relevant departments, and so on, things that deceive consumers with high imitation are frequent. In addition, some netizens also reported that they had encountered overseas website fraud and credit card theft. Because "Haitao people" shop on foreign websites, it is impossible to supervise them in China, and the reliability of their information is difficult to guarantee.Consumers will bear great risks. Not only that, overseas purchasing is purchased in different places, and personal purchasing has no business license and lacks the supervision of industrial and commercial and tax authorities. If disputes arise due to its products, services, taxes and other issues, consumers often have no way to defend their rights.

9. Some "consumer rebates" involve pyramid selling risks. Recently, some rebate websites with slogans such as "consumer rebate", "shopping returns to capital" and "consumption also makes money" have joined the ranks of e-commerce, and they often put forward a set of so-called new economic theories, and attract consumers with slogans such as "consumption = saving money, consumption = providing for the elderly", "helping the poor, sharing wealth", "returning as much as consumption" and "increasing consumption". For example, Zhejiang Wanjia Shopping Network, which has been investigated, lures others to spend and join the club under the guise of "returning 500 yuan to 500 yuan". Once it becomes a member, it will be asked to go offline and pay for it at different levels. These websites are nominally shopping websites, but in fact they are online pyramid schemes, and the products they sell are mostly "three noes" products and inferior products. According to the incomplete statistics of relevant media, at present, there are more than 2,000 enterprise organizations that take "consumer rebate" as their mode of operation, and nearly 1,000 enterprises that "return their consumption in full", which are mixed, and the potential risks and harms cannot be underestimated.

10. Computer mobile phone payment fraud risk. While consumers enjoy the "Double Eleven" shopping spree, criminals will not miss this great opportunity. According to the Mobile Security Report for the Third Quarter of 2017 released by Tencent Mobile Manager and Mobile Security Lab of Tencent Security Joint Lab, criminals usually combine payment virus, malicious urls, risk WiFi and risk QR code to fight together, which increases payment risk and makes defense more difficult. At the same time, there are also some applications that secretly collect users’ location information (for example, frequent shopping malls, daily routes), mobile phone online records (web pages visited, shopping preferences) and other information. These seemingly unremarkable, but the data obtained by analyzing the user’s habits through these information are of great commercial value, and they may all be the targets of infringement, and this kind of infringement is relatively hidden and not easy to be detected.

(B) Five major credit risks that businesses should guard against

On the occasion of the "Double Eleven", the majority of businesses also ushered in the busiest and most rewarding period of the year. In addition to being busy, we also need to guard against possible credit risks, otherwise it is likely that the fruits of hard work will be wasted. In view of some new trends in online shopping, we also sort out five major risks that businesses need to guard against.

1. The limited risk of operation stipulated by the overlord of "two choices one". Since the eve of the "Double Eleven" last year, some merchants have received a notice from the platform, allowing merchants to choose to participate in only one platform promotion. And the usual operation, most businesses can still be carried out on multiple platforms at the same time. The turnover of "Double Eleven" and other promotions accounts for a large proportion of the annual sales of merchants, and merchants are looking forward to participating in large-scale promotions and expanding sales. The sudden emergence of the "two-choice" rule caught them off guard. The e-commerce platform "choose one from two" not only limits the choice of merchants, but also affects full competition. For merchants, the e-commerce platform is a sales channel, naturally, the more the better, and which channel to choose should be decided by the merchants themselves. Although the "Electronic Commerce Law" and others have explicitly prohibited this "two-choice one" approach, at present, many small and medium-sized businesses are angry and dare not speak out about this forced "two-choice one" approach under the marketing model of relying heavily on the third-party e-commerce platform. Whether the next "two choices" will be expanded from promotion to daily operation has made many businesses very worried.

2. The rising risk of logistics cost. Recently, ZTO Express took the lead in launching the "Double Eleven" network-wide price adjustment mechanism. ZTO Express announced through official website that from November 11th, 2018, it will start the adjustment mechanism of transfer fees and distribution fees in peak season nationwide. Not long ago, "Three Links and One Reach" and Baishi successively announced that from October 1, 2018, the national express delivery fee to Shanghai will be uniformly raised by 0.5 yuan/ticket. Judging from the operation in early October, the terminal prices in some core cities have increased by 1 yuan ~3 yuan/piece. In the online shopping scene, most merchants adopt the mode of "shipping" after reaching a certain amount of shopping. Although most merchants will reach a certain price agreement with the courier company, the courier unilaterally raises the price, which is also powerless for the merchants to resist. In the short term, a considerable part of the burden brought by the rising cost will fall on the merchants, especially for some merchants whose profits are relatively meager and rely on traffic to make profits.

3. "Seven days without reason" return risk. The original meaning of "seven-day return without reason" is to curb the anti-counterfeiting behavior to collect money or disrupt the normal order of the market, so that more administrative resources and social resources can be used to protect the legitimate rights and interests of ordinary consumers. The treaty of "seven days without reason to return goods" provides a strong support for consumers’ rights protection, but the consumption without worries may also lead to the situation of "carnival shopping+return goods tide", further increasing the pressure and challenges of merchants. At the same time, some lawless elements may also take advantage of the opportunity provided by this clause to make malicious returns. Not long ago, in a case cracked in Shenyang, Liaoning Province, Xiaomei (pseudonym) used her and her relatives’ four online shopping platform accounts to defraud luxury goods, and then used the loophole of "seven days no reason to return goods" to defraud illegal profits of more than 140,000 yuan. The main method was to use the "seven days no reason to return goods" channel to return all the purchased goods, but in fact, only one commodity was sent back during the return process. Due to the relatively large scale of e-commerce, the orders received every day are relatively large, and the pre-sales and after-sales are handled by different departments, so there is information asymmetry, which often gives criminals an opportunity.

4. Positive and negative two-way "violence" brushing risk. Taking advantage of the demand of some small and medium-sized businesses eager to improve their rankings, some criminals have recently used the fake official identity as a bait to help them improve their rankings for free, and provided services for merchants. Once the merchants are on the set, the ranking does improve at the beginning. However, after the merchants transfer the expenses to the other party, they often receive a lot of complaints about false delivery. These orders were originally operated by the other party, and there was no evidence such as the corresponding logistics bill in their hands. Once the appeal time passed, the false delivery was established, and the payment for all the operation orders was returned to the other party. This kind of fraud "plans" to use the official name to induce businesses to do irregular things, and then use legal rules to cheat money, so that the victim can "eat coptis" dumb, and it will also cause credit damage. Correspondingly, in order to suppress competitors, some unscrupulous merchants employ brush-hands, instruct brush-hands to maliciously reverse the brush-hands, and carry out operations such as returning goods and refunding, which not only causes direct economic losses such as goods or freight of deceived people, but also damages the reputation of honest and trustworthy businesses and destroys the business environment.

5. The "lack of standard" risk of rural e-commerce. Once the sales channels of agricultural products are opened online, the sales scale will increase rapidly. At present, many agricultural products sold online are mostly manual workshop-style production methods. Because customers can’t inspect goods in person, e-commerce sales have higher requirements for product standardization, and need stricter quality control, grading and classification, packaging and preservation, so as to facilitate consumers to choose and buy with confidence, and to gain consumers’ trust and strive for sticky consumption with a better consumption experience. However, if sufficient standards are not established, it means that consumers can’t get products with stable quality, and the consumption experience is greatly reduced. Establishing a standardization system of agricultural products that meets the needs of e-commerce is the only way to optimize agricultural products.

(C) Five major trends that government departments need to pay attention to

The "Double Eleven" online shopping festival not only brought a national shopping spree, but also challenged the supervision of government departments. How to better prevent credit risks in the field of e-commerce, the following five emerging trends deserve the attention of relevant departments:

1. Relevant measures need to be followed up after the countries along the Belt and Road become the "New World" of e-commerce. The "One Belt, One Road" initiative put forward by our government has received positive response and participation from more than 140 countries and regions. In the process of deepening the "Belt and Road" construction, e-commerce is becoming a "new bridge" for countries along the route to strengthen communication and contact. The Chinese government has also put forward the policy goal of developing "Silk Road E-commerce", encouraging enterprises to carry out e-commerce along the route, developing services such as big data, cloud computing and artificial intelligence, and helping countries related to the Belt and Road to develop the digital economy and integrate into economic globalization. According to preliminary understanding, through Taobao, JD.COM and other e-commerce platforms, Chinese goods have been sold to nearly 60 countries including Russia, Ukraine, Poland, Thailand, Egypt and Saudi Arabia. At the same time, more and more international merchants show strong interest in China’s experience in inclusive finance, e-commerce and logistics, hoping to share China’s technology and China’s products and catch the "express train" of e-commerce development in China. Governments at all levels should seize the new opportunities brought by the development of "Silk Road E-commerce" and create new advantages for the development of "Silk Road E-commerce", at the same time, they should also guard against the risks existing in the development of cross-border e-commerce. As for the development of "Silk Road E-commerce", due to the different requirements of laws and regulations in the fields of customs, taxation, commodity inspection and foreign exchange control in countries and regions along the route, there are also great differences with China in politics, economy, culture, customs, intellectual property rights, logistics and public security, which have brought certain challenges to the development of e-commerce. Therefore,While promoting the rapid development of "Silk Road E-commerce", relevant departments should also conduct special risk monitoring for cross-border e-commerce projects and give early warning of existing risks. Only by fully understanding and then resolving the risks that cross-border e-commerce may face can we better connect foreign high-quality goods with domestic consumers, so that Chinese people can buy the world without leaving home, and at the same time, domestic high-quality goods can go abroad more conveniently, so that countries along the Belt and Road can further share the convenience brought by the development of e-commerce in China.

2. There are also hidden concerns for banks to form a group to enter the "e-commerce loan". "Double Eleven" is not only a carnival for consumers, but also an "ATM" machine for many e-commerce companies. The intense stocking process before the "Double Eleven" is also a test of the financial strength of e-commerce. Strict risk control and difficult loans are the general impressions of many small and micro e-commerce companies on "borrowing money" from banks. How to solve the financing problem of e-commerce enterprises has become the focus of major banks. Many banks have launched e-commerce loan products for e-commerce merchants, such as online application, online lending, loan repayment, daily interest calculation, big data credit, etc. These conveniences are tailored for many small and micro enterprises with the Internet as their main channel. "E-commerce loan" has been welcomed by e-commerce enterprises once it was launched. In addition to lower capital cost, the loan amount of bank e-commerce loans to high-quality customers is also higher. Although the e-commerce loans in full swing have met the financing needs of many e-commerce, helped the healthy and rapid development of small and micro businesses, and successfully created an effective innovation template for the transformation and development of the banking industry. However, there are still some hidden dangers in this kind of products. In view of risks such as arbitrage and fraud, effective risk control is still the core issue to be considered in bank operation.

3. The imbalance of rural e-commerce business structure should be paid attention to. According to the Monitoring Report on Online Retail Market Data of China in 2018 (Part I) released by E-commerce Research Center, the online retail sales in rural areas of China reached 632.28 billion yuan in the first half of 2018, which was 440.2 billion yuan compared with the online retail sales in rural areas of China in the first half of 2017, a year-on-year increase of 44%. With the rapid development of rural e-commerce in recent years, relevant surveys also show that the scale of online shopping in rural areas is much larger than that of online sales, and there is a so-called "deficit", and the overall scale of online sales of agricultural products is still small. At the same time, the development of rural e-commerce is also facing the realistic dilemma of imperfect logistics system and lack of talents. The talent resources related to e-commerce are mostly gathered in urban areas, and the bottleneck problem of talents still exists obviously in rural areas. In addition, the rural e-commerce market now also has problems such as lagging brand building of agricultural products.

4. The problem that merchants’ promotional information disturbs people needs to be solved. On the eve of "Double Eleven", many residents received many e-commerce text messages, and all kinds of text messages such as "Full 199 minus 100", "The lowest this year, miss it and wait another year" and "Full-court specials, more red envelope surprises" floated into the mailbox like snowflakes. Most of these promotional messages are sent by shops that citizens have bought, and many messages come from other apps and offline stores. Too many promotional messages annoy consumers and even affect the normal life of some residents. How to standardize the legal promotion activities of e-commerce so that it can achieve the purpose of promotion without affecting the normal life of consumers is also a matter that relevant departments need to seriously study.

5. The development prospect of the new e-commerce model remains to be seen. In July this year, Pinduoduo, the "first share of new e-commerce", rang the bell in Shanghai and new york at the same time and officially landed on the Nasdaq market. Its issue price is $19, with a total market value of $24 billion. After Alibaba and JD.COM, Pinduoduo’s listing in the United States made China’s e-commerce market formally form a "three-legged" situation. New e-commerce companies such as Pinduoduo mainly improve consumers’ bargaining power by "pooling together" mode. The biggest advantage of this mode is that it allows consumers to buy the goods they need at a lower price, but at the same time, it also brings problems such as knockoffs and poor quality, and even affects the international reputation of China products. In addition, the "bargaining" model of social e-commerce platform is considered as harassing marketing and has been criticized by consumers. With the maturity of consumers and the market, social e-commerce dividends may be difficult to sustain, and how to develop such business models is worthy of attention.

Third, some suggestions to deal with the credit risk of e-commerce

In view of various behaviors of lack of honesty and credit crisis in e-commerce activities, we have put forward many preventive suggestions in the Early Warning Report in the previous two years, and other social organizations and media have also put forward many good suggestions in recent years. These suggestions still have reference significance in the credit risk prevention of this year’s "Double Eleven". In addition, according to the new situation of e-commerce credit risk this year, we put forward the following suggestions or preventive measures for government departments, consumers and businesses respectively.

(A) Measures to prevent consumer credit risk

As consumers, we should focus on "four understandings" and "four noes".

1. Know your own needs, and don’t be greedy. There are a variety of online goods in the shopping festival, and all kinds of promotional activities are overwhelming. However, as a rational consumer, in the face of so many temptations, we must first recognize which ones we really need and which ones we think can take advantage of. Consumption should be carefully calculated and pay attention to cost and benefit, not only including money account, time account and energy account, but also paying attention to the utility of consuming each product. Only by figuring out these accounts clearly can we be "not greedy" in the face of various temptations. And if you are "not greedy", it will reduce many chances of being deceived and reduce many troubles caused by it.

2. Understand the business rules, so as not to be "confused". On the eve of "Double Eleven", in addition to spikes, ten thousand coupons and large coupons, many platforms and merchants also prepared shopping allowances for consumers, and some merchants also organized promotional activities with game colors such as red packets and secret orders. As consumers, they have to shop around in the face of dazzling rules, and at the same time, they must know the conditions of merchants in advance before deciding whether to participate. We must resolutely resist the unreasonable preconditions set by some businesses. Only when we have a deeper understanding of the rules of activities can we not be confused by the dazzling and varied promotion methods.

3. Understand the trading procedures, so as not to be "dizzy". Many consumers encounter online shopping traps because they don’t understand the trading procedures. Take Taobao as an example, consumers must use Want to communicate with merchants, so as to legally keep the dialogue records of both parties. When making payment, they must transfer the payment to Alipay, and when the receipt is confirmed, they can click to confirm Alipay payment. Any merchant tempted to adopt other chat methods and payment methods, even if there is no reason, it is unacceptable. Familiar with such trading procedures, all transactions are conducted under legal procedures, so that illegal businesses will not be given an opportunity. If you receive a variety of calls in the name of a merchant or platform, you should confirm the authenticity of the call by actively calling the official customer service number or communicating with the online platform customer service.

4. Understand the ways of safeguarding rights, so as not to be "afraid". When shopping online, you should communicate with the merchants before buying, learn more about the goods and payment methods, adopt a safe online payment method, and pay attention to saving chat records, relevant web pages and payment vouchers (screenshots), and ask for invoices, so as to safeguard your rights and interests afterwards. In order to guard against possible risks, you must obtain a shopping voucher or save the transaction agreement (including the electronic version). Most of the actual sellers of online shopping are foreign companies, and you should pay attention to check the official seal of the bill when receiving the goods. If there is a dispute over the purchased goods, you should complain to the relevant departments where the bill stamping unit is located according to the principle of territorial jurisdiction.

(B) Measures to prevent the credit risk of merchants

For businesses, we should focus on "four more and four less".

1. Pay more attention to word of mouth and less attention to profit. As the saying goes, "Gold cups and silver cups are not as good as everyone’s reputation". Compared with the beginning of the "Double Eleven" shopping festival, consumers are now more rational and mature. A considerable number of consumers no longer regard price as the first factor in deciding whether to buy. The competition of merchants is more about quality, design, brand, innovation and service. In this new competitive environment, the better the reputation of businesses, the more repeat customers there will be and the more stamina for development. If we believe that some lawless elements put forward the so-called ranking promotion and credit upgrading, and resort to fraud for the sake of profit, instead of working hard on internal strength, then not only will they not gain the trust of consumers, but they may fall into the trap of swindlers. Therefore, as a merchant, we should put honesty in the first place, and we would rather make less profit and slow down, and we should not sacrifice our reputation.

2. Pay more attention to innovation and less blind imitation. Objectively speaking, in the development of online shopping, cheap counterfeit products were once the "protagonists" favored by consumers. To this day, there are still many counterfeit products of "* * series" that are proud of being close to the quality of genuine products. But today, not only consumers’ brand awareness and self-protection awareness are stronger, but also the state’s crackdown on intellectual property infringement is getting stronger and stronger. With the support of big data, cloud computing and other technologies, merchants can quickly find out the lock by tracking the flow of documents, goods, funds and social exchanges, and once they are confirmed to be infringing, they are likely to lose their hard-working success for many years. Therefore, whether it is the choice of goods, business model or store design, we should be more innovative and less imitative, not to mention "shanzhai", so as to truly gain the sincere trust of consumers.

3. More real profits, less "buried mines" promotions. "Double Eleven" has brought a shopping spree to consumers. As a merchant, we should regard this node as a good opportunity to thank customers for their long-term patronage, and at the same time, we should really benefit customers as much as possible, instead of using promotional activities as a means of profiteering. At the same time, it needs to be reminded that "fictitious original price, fictitious reasons for price reduction, false preferential discount, lying about price reduction or about to raise prices, and tricking others into buying" have all been recognized as unfair price behaviors by the state. On the occasion of the "Double Eleven", platforms such as Taobao have also stepped up their efforts to crack down on merchants’ behavior of "raising prices first and then lowering prices". Once false promotions are identified, they will be severely punished by goods off the shelves. Therefore, the majority of businesses in the promotion, but also more sincere.

4. Communicate more patiently, and less complain and blame. During the "Double Eleven" period, due to the surge in business volume, the absolute amount of customers’ requests for return will also increase greatly, and businesses will be particularly tired during this period. Therefore, the more we are easy to be irrational, the more we should maintain our psychological strength. When customers ask various questions or even complain, we should communicate sincerely with them with a normal heart and patience. At the same time, as a merchant, we should also find our own shortcomings from customers’ dissatisfaction and communicate with manufacturers to improve them, so as to better enhance consumers’ shopping experience. From many cases of conflicts between merchants and consumers in the past, we can see that many contradictions began with a little language collision. Think more from the customer’s point of view, less rude accusations, and make money with kindness, which will make each other’s "Double Eleven" even better.

(C) Suggestions on government departments to deal with new trends

The government is not only the planner, manager, but also the user of e-commerce. It is particularly important for the healthy development of e-commerce for the relevant departments to coordinate with each other and create a suitable social environment and competitive environment. In the recent period, it is suggested that government departments should make "four further steps".

1. Further promote the effective implementation of the Electronic Commerce Law. The Electronic Commerce Law, which will be formally implemented next year, is a protection law to safeguard the rights and interests of all parties in electronic commerce. Together with the previously promulgated Anti-Unfair Competition Law, Provisional Regulations on Express Delivery, Supervision and Management Measures for Online Sales of Medical Devices, and Interim Measures for Online Purchase of Goods for Seven Days without Reasons, a basic legal system for e-commerce has been established. Enterprises pay more attention to the legal obligations and responsibilities of trading platform service providers in operation and management, and consumers hope to be better protected in terms of transaction security and users’ personal rights and interests. In addition to safeguarding consumers’ rights and determining the responsibilities of e-commerce platforms, the E-Commerce Law also gives a clear answer to the question of whether natural person online stores engaged in overseas purchasing, Wechat business purchasing and other businesses need to register as market entities. In the next step, we must work hard to promote implementation. Only when the laws and regulations of e-commerce are respected and effectively implemented, and the laws and regulations on paper become the code of conduct in reality, can we gain a living life.

2. Further optimize the market environment of fair competition. The development of e-commerce is of great significance to the steady growth and employment of China’s economy, so relevant departments should further create a social environment conducive to the healthy development of e-commerce enterprises. It is necessary to promote the rationalization of taxes and fees of e-commerce enterprises, reduce the burden on enterprises and minimize unnecessary administrative intervention in the e-commerce market. While relaxing market access, we should gradually standardize the market order in development, create a fair competitive entrepreneurial development environment, further stimulate the vitality of social entrepreneurship, and broaden the fields of e-commerce innovation and development. It is necessary to further strengthen law enforcement, investigate and deal with major typical cases, and be a defender of fair competition in the market. We must also do a good job in anti-monopoly law enforcement in the field of intellectual property rights. Strengthen competition supervision in the Internet field according to law, and create a fair and competitive market environment for the sustained and healthy development of new economic industries.

3. Further strengthen the standardization of e-commerce. Laws, regulations, standards and technical means are indispensable to deal with the integrity problem in the field of e-commerce. China’s e-commerce is leading the world trend, and its further development needs standardization to guide and standardize it. The function of e-commerce standardization is not only to standardize information, but also to make the information disclosed by all parties reach a consensus and realize information traceability through standards, and also to make efficient use of information and provide a basis for government supervision. The National Technical Committee for Standardization of E-commerce Quality Management has studied and formulated seven national standards. At present, four standards have been officially released, including Terms of E-commerce Quality Management and Rules for the Examination and Approval of E-commerce Platform Merchants. Some media said that 15 national standards for E-commerce will be studied and formulated within three years. It is worth noting that China has been making relevant standards for international trade for a long time. The previous standards focused on international integration. In recent years, with the rapid development of e-commerce in China, a large number of independent standards have emerged. Although the organizational system and technical system have been initially established, there are also phenomena such as repeated information, vague expression and different standards, and there are problems such as differences in policies, regulations and standards between countries in cross-border e-commerce. Therefore, in addition to taking the lead in formulating standards, the government should also encourage enterprises as the main body, combine Industry-University-Research’s use, and set up corresponding industrial alliances or industry associations to make group standards, so as to better match market demand and industrial development trends. At the same time, it is necessary to extensively evaluate the implementation effect of standards, and constantly increase the efforts to formulate and transform international standards.

4. Further "expand" the joint rewards and punishments, so that bad merchants are afraid, unable and unwilling to break their promises. Recently, China’s joint encouragement of trustworthiness and joint punishment of dishonesty have become increasingly powerful and have been highly praised by all sectors of society. In the next step, we should not only further promote the effective "blacklist" system formed in the exploration of various regions in the national e-commerce field, but also explore a joint disciplinary mechanism across e-commerce platforms. For example, as long as a business has serious dishonesty on one platform, other e-commerce platforms can also punish and warn it, thus increasing its cost of dishonesty. At the same time, we should gradually open up various "credit score" evaluation systems that various e-commerce platforms have been exploring, and establish a unified credit evaluation system for e-commerce platforms with multi-ministerial linkage, data sharing and joint participation of related enterprises at the national level. A comprehensive credit evaluation system of e-commerce platform covers many aspects, such as product quality, advertising, standardized pricing, authenticity of transaction information and after-sales service, which can make the results of credit evaluation consistent with the real consumption experience of hundreds of millions of consumers, and make credit truly become the cornerstone of business operation and the yardstick of winning or losing competition. Only in this way can e-commerce truly develop into one of the pillars supporting sustained and healthy economic development.

Ten Positive Typical Cases of "Double Eleven" Early Warning Report on Credit Risk in E-commerce Field

1. party member volunteer service Taobao public welfare store dreams "micro-wish"

"Ding Dong …" At 10: 00 on October 16th, party member Chen Yulin of Fiona Fang Testing Co., Ltd., Wenling City, Zhejiang Province received a message reminder from Taobao customer service, informing him that the "micro-wish" of "purchasing" at Taobao official public welfare store in Wenling party member Volunteer Service Center on October 15th had been completed, and attached a photo of the recipient receiving the donated items. Chen Yulin gave a five-star praise to the official public welfare store of Taobao in Wenling party member Volunteer Service Center on his mobile phone: "I placed an order yesterday and received feedback today, which is very efficient and reassuring!"

Wenling party member Volunteer Service Center has 11 volunteer teams directly under party member and 4 volunteer studios for famous teachers, famous doctors, environmental protection and law, with more than 62,000 registered volunteers from party member. Wang Xiangyun, director of party member Volunteer Service Center in Wenling City, said that the traditional way of volunteer service has limitations for caring people and recipients, and many public welfare activities are inconvenient to carry out. Therefore, they thought of "surfing the Internet" for public welfare projects-opening a Taobao shop, so that caring people can "find" public welfare projects with their mobile phones, saving time and effort.

Under this assumption, the official Taobao public welfare store of Wenling party member Volunteer Service Center came into being, and it was put into trial operation in September this year and officially opened on October 8. Wenling party member Volunteer Service Center released the collected "micro-wishes" on Taobao shop for caring people to choose and place orders. After receiving the news that the "micro-wish" was claimed, Wenling party member Volunteer Service Center assigned the public welfare tasks to the party member Volunteer Team by region, and the team leader arranged for volunteers to buy donations and deliver them to the recipients, and then fed back the results to the center. After receiving the feedback, the center contacted the consumer through Taobao to confirm the receipt and send the voucher, and also assessed and rated the service of the volunteer team. Such an Aixin Taobao shop was very popular as soon as it opened. After more than one month of trial operation, 153 single love projects have been completed, raising 31,200 yuan of public welfare funds.(Source: Zhejiang Daily)

2. Rest assured that the website has become the "golden gateway" for farmers to consume.

At present, there are 16 Taobao shopping websites specially serving rural farmers in Pulandian District of Dalian. According to Yu Yongfu, a villager in Chengzitan Street who started the "Tmall Premium Service Station", there are "difficulties in online Taobao for rural farmers without mobile phones and computers; It is not difficult to have a mobile phone and a computer. It is difficult to buy fakes, second-hand goods and inferior goods when Taobao is available. In response to this "three difficulties", Pulandian District launched an initiative to establish a rural online Taobao shopping station. Guided by the rural Taobao operation center of Pulandian District under Alibaba Network Technology Co., Ltd., it is registered by the industrial and commercial department and listed as "Tmall Premium Service Station". The station owner must go through the application, interview, training, examination and approval, and be qualified to run the "Tmall" rural Taobao station. From June last year to October this year, the first batch of 16 Taobao websites with "Tmall Premium Service Station" were set up in rural areas of Pulandian District, all of which have been put into operation, which solved the problems that farmers can’t Taobao online and there is no place to Taobao online, and prevented them from scouring fake, old, inferior and fraudulent goods.

The rural assured Taobao website was quickly recognized by the majority of farmers and was called "the second shop in the country". In the two online Taobao stations run by the villager Jiang Lili, we can see that there are tens of thousands of Taobao items, such as household appliances, communication equipment, hardware, clothing, furniture, lamps, stationery, daily necessities, farm tools, fertilizers, seeds, feed, fruits, vegetables, grain, etc., and they are delivered home free of charge. In particular, the urgently needed items lacking in this area can be bought through online Taobao. It is understood that at present, farmers in this area shop online for Taobao more than 200 items every day, reaching more than 70,000 items throughout the year. Online Taobao has become a new "golden gateway" for farmers’ consumption.(Source: Dalian Daily)

3. Logistics enterprises build the world’s first all-category "green warehouse"

On the eve of "Double Eleven", Cainiao Logistics released the latest achievement of a green action, creating the world’s first all-category "green warehouse", which is the first time that the logistics industry has achieved the whole process coverage of recycling boxes. Through the mode of circulating box and original box delivery, we can realize 0 tape, 0 filler and 0 new carton, so as to achieve a win-win situation of environmental protection and commercialization.

In terms of lightweight express packaging, Tmall supermarket packages are fully equipped with electronic packing lists, reducing the use of paper. This new measure will reduce the logistics cost by more than 10 million yuan per year. According to reports, the rookie will launch a brand-new upgraded "box return plan", which will be extended to 5000 recycling points in 100 cities across the country. The upgraded "Return to Box Plan" also welcomes new participating partners. Taobao, Gaode, Alipay and Rookie Wrap will fully support the plan from the "Double Eleven" in 2018, which will completely open up the online and offline core resources of Ali and drive tens of millions of people to participate in environmental protection.

In order to stimulate the public’s enthusiasm for participation, this year’s "Return to Box Plan", rookies will rank cities and sites, and the site and city donors who win the first place will receive green incentives.

In addition, Alibaba’s 1688 platform has specially opened up a green zone. After the launch, many upstream and downstream express packaging enterprises actively settled in, providing convenient channels and rich choices for merchants to buy green packaging materials.

The rookie electronic face sheet helps the whole industry save more than 20 billion paper waybills every year. The intelligent box design and box cutting algorithm independently developed by the rookie can reduce the use of packaging materials in the warehouse by 15%. In just one year, this algorithm has been used in 260 million packaging cartons and express bags, and the rookie warehouse has also reduced the use of 75 million cartons. This set of mature lightweight intelligent technology in the industry, the rookie has been opened to the whole society, and it is expected to cover at least 100 million orders in 2018.(Source: Public Welfare Times)

4. Gome’s "Double Eleven" logistics distribution service "increases the quantity without increasing the price"

The annual "Double Eleven" and "Chop Hands Festival" is coming. Although the price is still the focus of consumers’ attention, the service demand for the whole shopping process such as pre-sales and after-sales has also become the reason why consumers choose channels.

In order to protect consumers’ rights and interests in terms of goods, prices, distribution and installation, Gome put forward three service promises in the "Double Eleven": "I will pay if I buy fake goods", "I will pay if I deliver them late" and "I will pay if I buy them expensive". First, Gome promises that the self-operated goods sold are 100% genuine, and consumers can apply for 10 times compensation if they buy fake goods. Second, consumers can apply for Gome’s double price difference compensation if they find that the price of the same model goods in the same city or channel is lower within a certain period of time. Third, if the delivery and installation are delayed for 2 hours due to Gome’s unilateral reasons, consumers can get compensation for Gome’s delivery delay.

In the face of the fact that many express delivery companies have raised their delivery costs before the "Double Eleven", Zhang Yun, head of Gome Logistics, said that during the "Double Eleven" activities, Gome Logistics will not raise prices.

In fact, in recent years, every peak consumption season and major holidays, logistics companies will have corresponding cost adjustments, the essential intention of which is to transfer operating costs to ordinary consumers. On the other hand, Gome, in major marketing nodes such as "June 18th", "Double Eleven", Spring Festival, National Day, etc., never raised the distribution cost, but increased the investment in logistics services to meet the urgent needs of consumers for distribution and installation.

For example, during the "June 18th" this year, in the face of the surge in the demand for household appliances installation, Gome specially launched the "flash delivery and flash installation" service, namely, three major measures and ten service standards, namely, "24-hour flash installation of air conditioners", "free installation of color TV sets" and "ice washing on demand distribution".(Source: China International Electronic Commerce Network)

5. Ten e-commerce platforms jointly signed the "Integrity Commitment Letter"

On October 10th, the launching ceremony of e-commerce integrity signature activity was held in Beijing. As a concrete action to publicize and implement the E-commerce Law, this activity invited representatives of major e-commerce platforms to read and sign the Convention on E-commerce Integrity, aiming at strengthening the awareness of social responsibility of e-commerce enterprises, publicizing the concept of e-commerce enterprises’ integrity, and striving to create a good internet business environment, thus attracting the attention and support of all sectors of society for online integrity.

Representatives of ten enterprises, including Ali, Gome Retail, JD.COM, Jumeiyoupin, Meituan, Mushroom Street, Suning.cn, Netease, Vipshop and Ctrip.com, jointly signed the Convention on Integrity in E-commerce, and advocated that all e-commerce platforms adhere to the first place in seven aspects, such as "genuine goods, innocent children, objectivity and justice, data protection, effective rewards and punishments, open sharing and trustworthy performance".

At the meeting, the e-commerce platform business integrity commitment signature activity was launched. From October 10th, all e-commerce platforms will organize platform merchants to sign the Commitment Letter for Honest Merchants in E-commerce in one month, and urge them to keep in mind the awareness of rules, implement the provisions of national laws and regulations on e-commerce activities, safeguard consumers’ rights and interests, and strive to create an honest, trustworthy, harmonious and orderly online credit environment. Ali Group, JD.COM Group and Suning Holding Group, as e-commerce companies, respectively introduced their platform merchants’ integrity commitment signature activities.

The event signed the Convention on E-Commerce Integrity offline through the e-commerce platform and the Commitment Letter for E-Commerce Integrity Merchants online by online merchants, which strengthened the awareness of social responsibility of e-commerce enterprises, publicized the integrity concept of e-commerce enterprises, and strived to create a good business environment.(Source: Guangming. com)

6. Hold an online rights salon and lay a good "vaccination" for "Double Eleven" fakes.

On October 11th and 12th, Zhejiang Economic Crime Investigation and Prevention Association held the "Double Eleven" E-commerce Network Promotion Festival Rights Salon in Hangzhou, and nearly 30 brand rights units participated in the event. Salon tries to effectively purify the online shopping environment through communication and lay a good "vaccination" for the "Double Eleven".

Salon invited experts from Alibaba’s security team to explain online rights complaints and online and offline anti-counterfeiting strategies; Invited experts from the Economic Investigation Corps of Zhejiang Provincial Public Security Department to explain the case jurisdiction and investigation techniques. In addition, the participants also exchanged views and discussed the establishment of a peer-to-peer anti-counterfeiting alliance to achieve information sharing and mutual assistance, so as to achieve full coverage of anti-counterfeiting.

According to reports, this salon is the thirteenth member gathering activity held by the association for more than four years. In order to protect intellectual property rights, the association has successively held Sino-US dialogue salons on intellectual property protection, lectures on trade secret protection, online trademark rights protection salons and other activities.(Source: Zhejiang Legal News)

7. There is no reason to expand the scope of return, to ensure worry-free online shopping for silver-haired people.

Not long ago, the Hubei Provincial Administration for Industry and Commerce issued the Regulations on the Protection of Consumers’ Rights and Interests in Hubei Province (hereinafter referred to as the "Regulations"), which expanded the scope of returning goods for seven days without reason, especially for the elderly. The relevant person in charge of Hubei Consumer Protection Branch said that the elderly themselves are vulnerable groups in consumer rights protection, and there are problems such as difficulty in obtaining evidence in consumption methods such as "promotion by society", which are "obstacles" in consumer rights protection for the elderly. The scope of seven-day return without reason stipulated by law is only for online, television, telephone and mail order sales. The Regulations refine and improve the system of return without reason. In addition to the above-mentioned scope, consumers can return goods for seven days without reason, and there is no need to explain the reasons. "This article is mainly aimed at the elderly consumer groups. If you are found deceived within seven days, you can easily recover the economic losses." The person in charge said.

In order to improve the elderly’s scientific and rational consumption and the ability to protect their rights according to law, the Guangxi Zhuang Autonomous Region Administration for Industry and Commerce and consumer organizations have further promoted the construction of the "lecture hall for elderly consumption education", actively opened a green channel for elderly consumption complaints, reduced intermediate links, realized rapid response and improved the efficiency of handling cases.

Luo Gang, Deputy Secretary-General of Beijing Consumers Association, said that the elderly should sum up their experience when shopping online, believe that the principle of "one penny for one thing" is equally applicable online, don’t be too greedy for cheap, communicate with young people around them, especially their children, and watch carefully before buying.

The consumption demand of the elderly is no less than that of young people, but the old people are relatively slow to accept new things, so their children should spend more time with them and teach their parents about online shopping. At the same time, major e-commerce platforms should also take corresponding measures. While providing convenience for online shopping for the elderly, they should also build a safety threshold for the elderly through technical means.(Source: China Consumer News)

8. "Double Eleven" e-commerce after-sales service landing community

On October 20th, Suning helped Hakkas land in Xianlinhu community in Nanjing. As the first community store in the industry that only sells service products, the opening of helping Hakka also means that after-sales service has finally landed. Covering an area of 250 square meters, the service scope covers about 200,000 community residents within 5 kilometers nearby. With the help of many years’ service experience of Suning, Suning helps Hakkas to provide household appliances maintenance, household appliances cleaning, household cleaning, air treatment, laundry and shoes washing and other services for residents around 3 km to 5 km.

It only takes 3 minutes for nearby residents to make an appointment with a professional service engineer. Based on helping Hakka people in the community, Suning has created a "321" service standard for the surrounding residents, that is, 3 minutes response, 2 hours on-site service and 1 hour service.

According to Li Fuquan, deputy general manager of Suning Hakkas, the orientation of Hakkas is first as a community service shop, serving the surrounding neighborhoods; Secondly, it is an eco-store that serves Suning’s eight major industries, especially after-sales service around Suning stores; At the same time, as a service product store providing comprehensive services such as home improvement, maintenance and cleaning, Suning Banghakka is also a store shared by suppliers.

As a long-term partner of Suning’s after-sales service, Wu Lanfen, general manager of Inteman, a famous Nordic electrical product, said that within 10 minutes of her entering the store, she received the first order from consumers.

Suning helped Hakkas put their service products in the residents’ communities and brought the "Suning standard" service to consumers, which really solved the "last mile" of smart service. Li Fuquan said that in the future, Suning will help Hakkas hope that through professional service engineers and mature after-sales service, users can feel at ease and let service engineers come in to serve.(Source: Xinhuanet)

9. More than 20,000 merchants in Zhejiang promised no reason to return the goods.

At present, the number of promise units for no reason to return goods in Zhejiang is constantly expanding. By July this year, there were more than 24,300 online and offline promise units for no reason to return goods. In Zhejiang, 1,328 enterprises set up a green channel to deal with consumer disputes quickly by themselves, and 594 enterprises carried out the consumer link operator’s first payment system. There is no reason to return the goods, which promises the merchants to achieve effective coverage in large-scale chain businesses or individual consumption concentrated areas closely related to people’s lives. For example, Geely Automobile, Yintai Department Store, Lianhua Group’s 40 automobile 4S stores, 29 Yintai stores and 139 Century Lianhua supermarkets in the province publicly promised to be assured of consumption, all of which were built as assured stores and implemented unreasonable returns. Among them, Lianhua Group and Yintai Department Store implemented 105,078 and 1,031 unreasonable returns respectively last year.

100% of 364 merchants in Wuzhen Scenic Area, which received more than 10 million tourists a year, returned goods without reason, and tourism consumption disputes went to the market supervision department for "zero complaints", which presented a win-win situation of enterprise economic benefits and consumer satisfaction, and promoted the construction of commercial civilization and the improvement of social atmosphere.

Netease koala, a cross-border e-commerce retail platform, piloted and promoted the online contradiction diversification solution platform under the guidance of the industrial and commercial departments. Consumers can make three-way face-to-face video calls with the platform and industrial and commercial managers, which can effectively handle cross-regional consumer disputes of e-commerce platforms.

The relevant person in charge of the Zhejiang Provincial Administration for Industry and Commerce said that the goal of "safe consumption in Zhejiang" will be fully realized by further improving the unreasonable return system, the traceability system of consumer goods quality, the clear price system, the payment security system, the strictest supervision system, the consumer protection system and the consumer evaluation system.(Source: Xinhuanet)

10. Share the courier box and walk into the mountain school.

"We must rely on our own ability to create happiness for the people around us!" This is the dream of a sixth-grade student in the central primary school of Beikuanping Town, Shangzhou District, Shangluo City, Shaanxi Province, and left a deep impression on Cheng Juan, a caring volunteer of Suning Logistics. On October 17th, the large-scale charity activity of "Going West for Love and Spreading Scholarly Books" and the third donation ceremony of "Scholarly Books Floating on the Long March Road" were held simultaneously in Beikuanping Town Central Primary School in Shangzhou District, Shangluo City, Shaanxi Province and Laolin Complete Primary School in Yingpan Town, Zhashui County.

As the caring unit of this activity, Suning Logistics is responsible for escorting nearly 10,000 love books and materials to 7 mountain primary schools in 6 counties of Qinling Mountains. Cheng Juan, a 22-year-old caring volunteer, just joined Suning Logistics last year, and followed the logistics delivery truck for more than four hours on the mountain road, giving the children here a logistics lesson.

Cheng Juan brought the children a shared courier box version 2.0. It takes several steps to put Su Geranin, the mascot of Suning, into the shared express box, which brings Cheng Juan closer to the children. The children have raised their hands to take a closer look at "this courier box that has only been seen on TV". The teachers sitting in the back row also praised them.

In recent years, with the development of e-commerce, Suning Logistics’ innovative green packaging product, the shared express box, can replace the paper express box and realize recycling through folding and recycling. Cheng Juan said, bring shared express boxes to children, hoping that children can understand the concept of environmental protection from an early age, start from the small things around them, love nature and protect the environment.

Since September, Suning Logistics has been linked with Nanjing and Xi ‘an. In order to enable children to read a complete book, Nanjing Yuhua Base is responsible for book packaging, turnover and transportation, while Xi ‘an Warehouse provides tens of square meters of storage space for loving books and other loving materials.(Source: Sichuan Online)

Ten typical negative cases of "Double Eleven" early warning report on credit risk in e-commerce field

1. Online shopping for second-hand motorcycles was "signed" in different places.

Recently, Mr. Wang from Ding ‘an, Hainan bought a second-hand motorcycle online. What he didn’t expect was that a few days later, the logistics showed that the motorcycle was signed in Guangdong.

Mr. Wang bought an 80% new motorcycle on the transfer APP and paid 3350 yuan through WeChat. Among them, 3,000 yuan is the cost of buying motorcycles, and the other 350 yuan is the freight. On the day of Mr. Wang’s payment, the transfer APP showed that the seller in Jieyang, Guangdong Province had delivered the goods through Yunda Express, and there was still a courier number on the page. Mr. Wang thought that he would receive the car in two days, but he wanted to express the information that the motorcycle was signed in Guangdong.

On the order page of Mr. Wang’s transfer APP, the goods were shipped from Jieyang, Guangdong on October 5, delivered at Liusha East Branch of Puning North Company in Jieyang at 4 pm on October 6, and signed in Guangdong on October 7, and the delivery address reserved by Mr. Wang was clearly Ding ‘an County, Hainan Province. After seeing this situation, Mr. Wang immediately applied for a refund. Unexpectedly, the seller rejected his application.

According to the application record provided by Mr. Wang, the seller admitted that the yunda express number he sent was false. The seller refused the refund application because he claimed to deliver the goods through another courier and insisted that Mr. Wang had received the car. If he wanted to refund the money, Mr. Wang had to return the car. In this regard, Mr. Wang contacted the seller more than once to negotiate, but the seller’s phone number could not be reached after the evening of the 12 th.

On October 13th, Mr. Wang applied for customer service intervention, but after three days, the payment was still not returned. On the day of the media interview, I also contacted the customer service. According to the reminder of the customer service staff, Mr. Wang reported the seller and applied for a customer service refund again. At 5: 30 pm on October 16th, Mr. Wang finally received a refund of 3350 yuan.(Source: Hainan Online)

2. Handmade snacks have become "three noes" food.

Ms. Cai recently took a fancy to a snack on a shopping platform. The staff of the online shop said that the snacks in the store were handmade and could be customized with various shapes and fillings, and then Ms. Cai placed an order. After the snacks arrived, Ms. Cai found that there was no important information such as the manufacturer, production date and shelf life on the packaging of the snacks, so she questioned the staff of the online store. The staff explained that dim sum is a private handmade work in the online shop, so there is no manufacturer, and the food is made only after the seller places an order to ensure freshness. Ms. Cai was worried that the quality of dim sum could not be guaranteed, so she proposed to return it. However, the owner of the online shop said that the food was customized by Ms. Cai, and it had been unpacked and could not be returned. Ms. Cai thought it was very unreasonable and complained about this matter to Penglai Consumer Complaint Center.

After receiving consumer complaints, the staff of Penglai Consumer Complaint Center of Yantai Consumers Association informed Ms. Cai that according to Article 6 of the Measures for Handling Consumer Complaints by the Administration for Industry and Commerce, consumer complaints are under the jurisdiction of the county (city) or district administrative department for industry and commerce where the operator is located or where the business behavior occurs. Therefore, it is recommended that consumers complain to the consumer complaint service center where the operator is located.

Yantai Consumers Association Penglai Consumer Investment Center reminds consumers that when buying food, they should pay attention to: when choosing food, try to buy it in large supermarkets and pastry shops with complete qualification certificates. When buying food, pay attention to check whether there is a "QS" or "SC" mark on the outer packaging, check the date of production, factory name, factory address, formula or main ingredients of the food, and beware of buying food without factory name, factory address and shelf life.(Source: Jellyfish Network)

3. Female college students encounter customer service fraud in Xiaohongshu refund.

At the beginning of July this year, Xiao Wu, a female college student, bought a bottle of more than 100 yuan of makeup spray on the online shopping platform of Little Red Book. A few days later, she received a call claiming to be "Little Red Book Customer Service", but she didn’t want to. This call became the beginning of her "nightmare" of being cheated.

Xiao Wu, the victim, said: "He said that he was the customer service of Xiaohongshu, and he accurately said the name of the spray I bought and also said my name. It is said that this thing has quality problems and needs to be recalled nationwide. Then he said where to put it, and the courier will come and collect it. He said that he wants a refund now. "

When the other party accurately told the details of the order, Xiao Wu relaxed his vigilance and added this "refund customer service" as an Alipay friend. After checking the credit score of Xiao Wu Alipay, the other party indicated that her credit value was too low to be refunded. If you want a refund, just open a loan APP like "coming to installment" and "ant borrowing" to improve your credit limit.

Xiao Wu, the deceived person, said: "I downloaded the loan APP without using it, and transferred the money to him according to the above instructions. He said that the ID card could be used to verify the amount. In the whole process, he forced you. Afterwards, he thought that there were doubts everywhere, but he was confused by him in the process of being cheated. "

The other party tricked Xiao Wu into borrowing more than 50,000 yuan through the loan APP, and then gave her a so-called refund QR code. Who knows that after Xiao Wu scanned this QR code, all the money in the account was transferred away.

Lawyer Chen Xi said: "From the current situation, consumers’ personal information has been leaked." The platform operator may have serious defects in program design or information security protection, which may lead to the theft of consumers’ personal information by others, or the third party may leak consumers’ information to seek improper benefits. If personal information is leaked due to the fault of the operator, the operator shall bear corresponding legal responsibilities.(Source: Fuzhou TV Station)

4. E-commerce official website was implanted in a phishing website.

Recently, some media received complaints from many consumers that after they bought online in Amazon, criminals used many loopholes in the website, such as hiding user orders, logging in from different places without reminding, logging in to personal accounts and implanting phishing websites, and then pretending to be Amazon customer service to refund customers with abnormal orders, but in fact, they defrauded users by means of online bank transfer and opening small loans.

It is worth mentioning that consumers almost don’t trust them the first time they receive fraudulent phone calls, but it is impossible to prevent that the "My Account" page of Amazon official website was tampered with by scammers, and finally clicked on the phishing website from this page, resulting in money being cheated.

Amazon said that the address bar is a column for users to edit and manage addresses. Amazon will not post any return information or update the order status in the address bar, and will not add links. If users find information other than the address in the address bar, they should be on high alert, and don’t blindly trust fraudsters to click on any unknown links.

Amazon revealed that in addition to security reminders, Amazon has taken countermeasures against the existing forms of fraud, including: shutting down the editing of Amazon website users’ personal homepage and "hiding orders" to prevent fraudsters from implanting phishing links; Hide customer contact information in the order; The system automatically identifies and deletes address book hyperlinks to prevent fraudsters from planting phishing links.(Source: The Paper)

5. Refund of online shopping goods into loans

Recently, nine people, including Lai Moumou, Xie Moumou and Ding Moumou, were arrested by Shaxian County Procuratorate of Fujian Province on suspicion of fraud because they pretended to be "Taobao customer service" and the buyer had quality problems in purchasing goods and could apply for a refund.

From July to August, 2018, Lai Moumou and Ding Moumou and others purchased the information of buyers who had recently shopped in Taobao through the Internet, and contacted the buyers by telephone, saying that the goods they had previously purchased had quality problems and could be refunded. Then, the victim’s WeChat was added, and the victim was induced to operate on his mobile phone Alipay through WeChat chat. Then, a link or QR code was generated in the background, which was specially purchased through the Internet in advance. After forwarding the link or QR code to the buyer through WeChat to log in, get the Taobao account number, password, ID number, contact phone number, bank card number and other information filled in by the buyer, and finally defraud the victim of the money loaned from Alipay, involving more than 300,000 yuan.

Fraud crimes often rely on specialized criminal gangs, with strong professionalism and clear division of labor, forming criminal gangs. Each link has corresponding organizers, who engage in different business links, charge corresponding fees and cooperate with each other.

When shopping online, use the customer service communication system provided by the e-commerce platform to communicate; In the case of product quality problems, abnormal transactions or slow delivery, it must be verified through the official channels of the e-commerce shopping platform, and directly communicate with the purchased merchants through the contact information provided by the platform; Don’t scan the QR code sent by strangers at will, and don’t easily click on the URL link sent by strangers. Don’t easily disclose any information about yourself, especially the bank card number, bank card password, Alipay password, verification code and other information.(Source: Fujian Procuratorate)

6. Wechat business is now forwarding advertisements to a new scam in the circle of friends.

One day in early September this year, when Ms. Qian, a citizen of Wuxi, was surfing the Internet at home, she had a micro signal to add her as a friend and asked her to help forward the advertisement of health care products to her circle of friends. Because the other party is a person in a WeChat group, Ms. Qian didn’t think much, immediately added friends and forwarded the advertisement to the circle of friends. What Ms. Qian didn’t expect was that it didn’t take long to send a circle of friends, and two WeChat netizens requested to add friends and consult health care products.

One of them claimed to run a pharmacy, while the other claimed to run a nursing home. Both of them needed to order health products forwarded by Ms. Qian. Seeing that so many customers came to the door, Ms. Qian bought 30 bottles from Wechat business who asked her to forward the advertisement, totaling 6,000 yuan, and became the agent of the health care product. After that, she sold these health care products to two consulting WeChat friends and successfully returned the money. Two WeChat friends said that health care products have a good effect and they have been purchased from Ms. Qian for a long time.

After a while, two WeChat friends said that health care products have good effects, and they need a lot of goods to be promoted in their own pharmacies and nursing homes. According to the request of the other party, Ms. Qian asked for 630 bottles from her family and paid 35,148 yuan for scanning the code. However, when she finished playing the money, the two next homes could not be contacted. She contacted her family, and the other party said that she would handle it herself. Soon, I can’t get in touch with my family. At this time, Ms. Qian realized that she was cheated and quickly called the police.

"In fact, the three WeChat friends that Ms. Qian met are all a group." According to the relevant person in charge of Jiangsu Anti-Fraud Center, this is a new trick of Wechat business’s scam. These scammers may be the same person or a gang. "They work together and role-play. Some of them play at home, and some play at home, creating the illusion that products are selling well and attracting victims to fall for it."(Source: Jiangsu, China Network)

7. College students encounter "shanzhai" customer service when opening online stores.

For swindlers, college students with insufficient social experience are one of their favorite targets. No, recently, the Baiyang Police Station of the Development Branch of Hangzhou Public Security Bureau received an alarm that college students were cheated. When opening an online shop, they met fake customers and fake customer service, and they were cheated by 3,000 yuan.

Less than is a student of a university in Xiasha. He registered an online shop some time ago. "Mainly selling books, I want to try to start a business, and I also want to earn some living expenses."

Not long after, the first "guest" came to Xiao Shao’s shop and took a book of less than 100 yuan. At the time of payment, the other party suddenly contacted Xiao, saying that the payment could not be completed, and suggested that he contact customer service to ask.

Just when it was less than wondering, "customer service" took the initiative to find the door. "He said that my store should sign a guarantee agreement and pay the deposit before it can be officially opened, otherwise the buyer will not be able to pay."

Although there are some doubts in my heart, I think the first business is coming, which is less than I don’t want to miss it. As a result, according to the instructions of "customer service", a deposit of less than 3,000 yuan was paid, and various so-called "services" were opened.

The problem has been solved, and the payment is less than that of the buyer before contacting, only to find that the other party has been unable to contact. Similarly, the "customer service" who automatically came to the door has disappeared. At this time, Xiao realized that he had been cheated.

The police reminded that there is no such thing as being unable to pay without a deposit in the online shopping transaction process. If you encounter similar problems, you can contact customer service for consultation through official channels, especially when it comes to money transactions, you must be vigilant.(Source: Zhongcai. com)

More than 8.600 people were fooled by "online store operation"

Opening an online shop is the choice of many entrepreneurs at present. Some criminals take the opportunity to publish false advertisements, saying that as long as they pay a package fee ranging from several thousand yuan to ten thousand yuan, they can provide the service of "online shop operation" and let online shop entrepreneurs "lie down and make money". On October 16th, the People’s Court of ouhai district, Wenzhou City, Zhejiang Province held a hearing and pronounced the contract fraud case.

In December 2012, Wang (female), a native of Hangzhou, born in 1980, established Hangzhou Longchuang E-Commerce Co., Ltd. in partnership with others and served as the legal representative. The company has three departments: promotion department, sales department and operation department, which assume different roles in the fraud process.

On the same day, in addition to the company boss Wang, among the other four defendants, Tang was the sales manager of the sales department, responsible for recruiting, training and managing sales personnel. Mei and Lu are the sales team leaders, recording the sales performance of the team members and guiding the sales staff how to cheat. After the sales staff join the company, the company will issue fraudulent words, that is, chat templates. Some sales staff also pretend to be customers to place orders at the victim’s online store, making them mistakenly think that the store has a real order, further inducing the victim to buy an upgrade service package to defraud more money. Gao is the head of the operation department, stabilizing and appeasing the victims of complaints after the fraud is successful, and "creating" conditions for the sales staff to implement further fraud.

According to the prosecution’s accusation, from October 2015 to November 2016, Wang organized employees of the company to defraud more than 600 victims in many places across the country in the name of "online shop operation", and defrauded a total of RMB 3.13 million. It is believed that they cheat others’ property by signing a service contract for the purpose of illegal possession, and should be investigated for criminal responsibility for contract fraud.

Wang and four managers all pleaded guilty. Ouhai court sentenced Wang to 10 years in prison, deprived of political rights for 1 year and fined 20 thousand yuan; Tang, Mei, Lu and Gao were sentenced to three years’ imprisonment, suspended for three years to three years’ imprisonment and suspended for five years, with fines ranging from 6,000 yuan to 10,000 yuan.(Source: Legal Network)

9. The "e-commerce exclusive" version has many "routines"

During the World Cup, Mr. Zhang bought a box of "Celtic" imported beer on an online platform, each with 24 cans, and the discounted price was 95 yuan. I have been buying in the supermarket before, and each can in the supermarket is about 8 yuan, which tastes good. This time, he searched the official flagship store of the brand and bought it. Every can was less than 4 yuan, which was half cheaper.

After receiving the beer, Mr. Zhang found something was wrong as soon as he took the first sip. The beer bought online obviously tasted a lot lighter and its unique flavor disappeared. Mr. Zhang contacted the online store customer service. The customer service explained that it is definitely not a fake, but the online store sells the "e-commerce exclusive" version, which may have some differences in taste with the physical store.

From the appearance of the online beer provided by Mr. Zhang, it is almost exactly the same as that of the supermarket. No matter the raw materials, auxiliary materials, original wort concentration and alcohol content are the same as those sold in the supermarket, there is no obvious difference between them in appearance. The online purchase page also does not indicate that this model is an "e-commerce exclusive" version.

Tang Hanlin, director of the network supervision department of Yangzhou Administration for Industry and Commerce, said that merchants selling "e-commerce-only" goods must first ensure that the quality is qualified and meets the product quality requirements. Secondly, we should fulfill the obligation of informing, clearly tell consumers what the differences are compared with offline products, and list the differences in detail, so that consumers can clearly understand all aspects of the product information and decide whether to buy it by themselves. For example, the appearance code of the "e-commerce exclusive" product is exactly the same as that of the physical store product, but the quality is lower, then this move violates the consumer’s right to know and is suspected of fraud.(Source: Yangzhou Net)

10. The Longines watch bought by Netease Koala is a "sample".

Tony chen (not his real name), a Beijing consumer, told China Consumer News that he bought a Longines female watch in Netease Koala Watch Store. After that, in the process of intercepting the watch strap, he tore off the plastic film wrapped on the watch and found that there were scratches on the watch chain buckle, and one side of the watch buckle had been worn white. Consumers suspect that they have bought the "samples" placed on the counter, and at the same time question that "Netease Koala’s self-operated watch shop" is not operated by Netease Koala.

On the morning of August 18th, Chen Lin took the watch to Longines’ designated official after-sales service to intercept the strap and verify its authenticity. After tearing off the plastic film wrapped on the watch, it was discovered that there were scratches on the bracelet buckle.

Tony chen’s wife also reported to Netease Koala, and since then, she has received two phone calls. "Netease koala’s customer service insists that it is impossible to verify where the problem lies, and the watches sold will not be returned or replaced. Finally, they said to compensate 500 yuan, but we can’t accept it. No one wants to spend 10,000 yuan to buy a watch that is flawed and may be a sample. "

Let Tony chen know that the watch he bought is a "counter sample watch", and there are two cards sent with the watch. The reporter saw that a card was marked with the words "Time Watch Line", and at the bottom of the card, the shaded part showed "Suzhou aristocratic watch shop". On another card, the information displayed is: Ole Store in Florence, Shanghai, etc.

Tony chen said that from the above information, it is very likely that this watch is a "sample" of the counter. He bought the watch for the logo of Netease Koala’s self-operation, and how did it become a "fashionable watch shop" and a "Suzhou aristocratic watch shop", and the source of the watch should not be "Ole shop in Florence, Shanghai".

However, in a photo provided by Tony chen, the last line is marked: "Netease Koala Watch Store" is a merchant that Netease Koala purchased from the sea, and the goods are delivered by the merchant. "If you don’t look at the product description carefully, you can’t see such information at all. Netease’s self-operation marked in front will make consumers think that Netease koala is self-operated. Isn’t this misleading consumers?" Tony chen said.(Source: China Consumer News)

(Case Editor: Credit Construction Research Group in E-commerce in the editorial department of China Credit Magazine)

When young people become the mainstream of the auto market, young and fashionable people have become one of the most competitive in China. For this reason, major brands have also come up with housekeeping skills to attract picky consumers in this market. Among them, the most representative is Changan CS series, which ranks in the forefront of SUV sales all the year round, and its CS35PLUS is highly sought after by young people. However, with the outbreak of the domestic market like mushrooms after rain, some models with better quality and higher cost performance are also pouring in. For example, Hyun Jie Pro from Kaiyi, although not listed as early as CS35PLUS, has quickly won the attention of a group of young people with its many hard-core strengths. Then, compared with this battlefield veteran, what will be the performance of Xuanjie Pro as a rising star?

Hyun Jie Pro is a brand-new SUV launched by Kaiyi Automobile in July this year. On the basis of absorbing the advantages of Hyun Jie, the new car has been fully upgraded in terms of design, interior quality and intelligent technology, and has been replaced with a 1.5T CVT gold power combination, so it has also been dubbed as the "all-round small steel gun", which has attracted the attention of the younger generation. Changan CS35PLUS is a battlefield veteran who has been listed for a long time, and has certain advantages in market share and user popularity. In the spirit of seeking truth from facts, this time we assembled these two models, and through the hard-hitting strength comparison, we will see who is stronger.

Design: Xuanjie Pro is young and fashionable, and CS35PLUS is dignified and calm.

In today’s era of looking at faces, high-value appearance has become an indispensable requirement for most people to buy cars. If you want to break through the tight encirclement and win attention, it is essential to have a good-looking design. Xuanjie Pro and Changan CS35PLUS are both located in the young urban consumer groups, so there is no need to worry about the design. Both of them are designed with relatively high value, which basically conforms to the aesthetics of the public, but their styles are different.

From the design point of view, these two cars belong to the representatives of high value of their own brands, and the design incorporates many popular elements, such as large mouth air intake grille, suspended roof, through LED taillights, bilateral exhaust layout, etc., but the design style is obviously different. Among them, Changan CS35PLUS is obviously familial, with the shadow of other CS series models, generous front and high visual center of gravity, which also makes it look more calm and dignified; However, Xuanjie Pro is refreshing in both appearance and details, and its visual effect is much more exquisite than Changan CS35PLUS. Although the overall value of the former is not low, it is obvious that Xuanjie Pro is a fashionable and dynamic style in the face of younger consumer groups.

Technology configuration: the intelligent technology is rich and complete, and the dazzling Pro is more cost-effective.

Coming into the car, the two models have different styles in design. In comparison, the design of Xuanjie Pro is more textured. Whether it is the outline of simple lines or the collocation of two-color leather materials, it creates more simplicity and luxury. Changan CS35PLUS is more popular. Fortunately, the addition of a large-size LCD screen has also improved the overall sense of science and technology of the interior.

In-car configuration has always been the strength of self-owned brand models, and these two cars are no exception, and they can all be given a very rich list of configurations, especially those that reflect intelligent technology, such as full LCD dashboard, high-definition central control touch screen, on-board intelligent interconnection system, language interaction system, mobile phone remote control, lane departure warning, 360 panoramic image, cruise control, steep slope descent and so on. The difference between the two lies in the convenient configuration. The front row of Hyun Jie Pro is equipped with two USB charging interfaces, and the front row of mobile phone is wirelessly charged. The front row of Changan CS35PLUS is only equipped with one USB charging interface. In today’s era when electronic products are inseparable, it is obvious that the performance of Hyun Jie Pro is more humanized. In addition, considering that the overall price range of Changan CS35PLUS is higher and the configuration is not comprehensive enough, its intelligent technology configuration is complete, but it is basically concentrated on high-end models. Therefore, if it is specific to models, it belongs to Xuanjie Pro. The technology configuration is richer and the cost performance is higher.

Comfortable space: the body size has its own advantages, and the interior space of Xuanjie Pro is even better.

The body size greatly affects the space performance in the car, and there are some differences between the two models in terms of body size. The length, width and height of Xuanjie Pro are 4400/1831/1653mm and the wheelbase is 2632mm； respectively. Changan CS35PLUS has a length, width and height of 4330/1825/1660mm and a wheelbase of 2600 mm. Although its height is slightly higher than that of Hyun Jie Pro, its length, width and wheelbase are shorter than that of Hyun Jie Pro, and theoretically its internal space is smaller.

Changan CS series models have always been famous for their large space, but compared with Hyun Jie Pro, it seems to be somewhat insufficient. According to the measured comparison of the same model, it can be seen that Hyun Jie Pro is even worse than Changan CS35PLUS in both horizontal and vertical space, which is mainly due to its advantages in body size and wheelbase, making Hyun Jie Pro’s internal seating space among the best in the whole model with the same price.

Dynamic performance: Changan CS35PLUS has strong power, and the driving quality of Xuanjie Pro is more advanced.

In terms of power, Xuanjie Pro is equipped with a 1.5T engine, which matches the CVT continuously variable gearbox. The maximum power of the engine is 156 HP and the maximum torque is 230 Nm. Changan CS35PLUS is equipped with a 1.4T engine with a maximum power of 160 HP and a peak torque of 260 Nm, matching a 7-speed dual-clutch gearbox.

Both cars are equipped with turbocharged engines, and the power is strong. The Blue Whale 1.4T engine equipped with Changan CS35PLUS has a slight advantage in data, but at the same time, it is also matched with a dual-clutch gearbox, which has an obvious sense of frustration at the beginning, which will directly affect the normal driving comfort. The Xuanjie Pro is matched with CVT continuously variable gearbox. Whether it is starting or accelerating in the middle and late stages, its power output is very smooth, and the driving comfort of the whole vehicle is also higher. At the same time, Xuanjie PRO has a maximum power of 156 HP and a peak torque of 230 Nm, which can still give a strong driving experience in daily life, not to mention a more radical sports driving mode. Therefore, the dynamic advantages of Xuanjie Pro are more obvious.

Full text summary:For young consumers, in the highly competitive SUV market, simply launching high-value products can not immediately trigger their desire to buy, and they can win their favor only after they have rich intelligent technology configuration, practical comfortable space experience and strong linear dynamic quality. Through the above comparison, it is not difficult to see that as a latecomer, Kaiyi Xuanjie Pro is not afraid of a number of popular competing products at the same level, and even has the hard-core advantages in the above aspects, although its user popularity and market share are not as good as Changan CS35PLUS, but its comprehensive strength is stronger.

CCTV News:On September 28th, the People’s Bank of China said that it would set up a special re-loan for equipment renovation to support financial institutions to provide loans to manufacturing, social services, small and medium-sized enterprises, individual industrial and commercial households and other equipment renovation at an interest rate not higher than 3.2%.

The amount of special refinancing for equipment renovation is more than 200 billion yuan, with an interest rate of 1.75%, with a term of one year, which can be extended twice, and each extension period is one year. The recipients include 21 financial institutions such as China Development Bank, policy banks, state-owned commercial banks, China Postal Savings Bank and joint-stock commercial banks, and financial support is provided according to 100% of the loan principal that meets the requirements issued by financial institutions.

The special re-loan support areas for equipment renovation include education, health, cultural tourism and sports, training base, charging pile, urban underground utility tunnel, new infrastructure, digital transformation of industry, energy-saving and carbon-reducing renovation and upgrading in key areas, and waste household appliances recycling and treatment system.

Special re-loans are granted on a monthly basis through a direct mechanism of "lending first and then lending".

　 　 　 　Since the 18th National Congress of the Communist Party of China, the Hunan Provincial Party Committee and the provincial government have always adhered to the working principle of sharing the people’s legacy with the people, and adhered to the protection concept of "seeing people, seeing things and seeing life". In accordance with the unified deployment of the Ministry of Culture and Tourism, Hunan plans have been continuously launched, Hunan characteristics have been highlighted, Hunan voices have been made, Hunan brands have been formed, and a colorful and charming picture scroll of Hunan’s legacy has been laid out, which has become an important source of preserving Hunan spirit and a deep foundation for nourishing Hunan culture.

　　First, build a working system and open up a "new world" for the protection of intangible heritage

　　The first is to improve the protection laws and regulations.In June 2016, the second local regulation in Hunan’s cultural field and the first local regulation in the field of intangible cultural heritage, the Measures for Implementing the People’s Republic of China (PRC) Intangible Cultural Heritage Law, was promulgated. In 2014, the Provincial Party Committee Propaganda Department and the Provincial Department of Education jointly issued the Notice on Further Promoting the Work of Intangible Cultural Heritage in Campus. From 2019 to 2021, the relevant departments jointly issued the Plan for Revitalizing Traditional Crafts in Hunan Province, the Plan for Inheriting and Developing Quyi in Hunan Province and the Measures for the Administration of Provincial Cultural and Ecological Protected Areas in Hunan Province, and released the Catalogue for Revitalizing the First Batch of Traditional Crafts in Hunan Province, which fully played the role of laws and regulations in the protection, inheritance and innovation of intangible cultural heritage.

Miao Xiu creative training base

　　The second is to improve the four-level directory system.Hunan is rich in intangible cultural heritage resources, and the national, provincial, municipal and county-level directory system is well established, with a total of 5,254 projects in 10 categories, including 137 national intangible cultural heritage representative projects, 410 provincial intangible cultural heritage representative projects, 4,707 municipal and county-level intangible cultural heritage representative projects, 121 national inheritors, 304 provincial inheritors and 4,416 municipal and county-level inheritors. Kunqu opera, shadow play, the custom of Dragon Boat Festival along the Guluo River and the 24 solar terms are listed in the representative list of intangible cultural heritage of mankind. Three projects, namely, making skills of Qianliang tea, making skills of Fuzhuan tea and making skills of Junshan Yinzhen tea, were included in the list of representative works of human intangible cultural heritage by the Ministry of Culture and Tourism. In 2021, it took the lead in the protection of red intangible cultural heritage in China, and included red intangible cultural heritage items such as Chaling Red Story, Shaoshan Red Story, Cai Hesen’s revolutionary story and the story of the Red Army’s Long March in Xinhua into the provincial intangible cultural heritage list, so that red culture could be integrated into the inheritance pedigree of Chinese excellent traditional culture.

　　The third is to establish a non-legacy protection mechanism.The province has set up a provincial-level intangible cultural heritage protection center, 14 cities and states have set up 8 intangible cultural heritage departments (offices), 6 listed, 7 independent intangible cultural heritage protection centers and 7 listed; In 127 counties and cities in the province (including 4 local economic development zones), 19 independent intangible assets were set up and 108 were listed, and 33 independent intangible protection centers were set up and 92 were listed, achieving full coverage of the specialized institutions for intangible protection at the provincial, city and county levels, realizing the historical development of intangible protection forces from scratch. 18 departments, including the Propaganda Department of the Provincial Party Committee, the Provincial Development and Reform Commission, and the Provincial Department of Finance, established a joint conference system for the protection of provincial intangible heritage. Seven departments, including the Provincial Administration of Traditional Chinese Medicine, carried out collaborative protection of traditional medicine non-legacy departments, and the Hunan Provincial Department of Culture and Tourism became the first provincial-level cultural tourism department in China to implement collaborative protection of traditional medicine departments.

　　Second, connect with modern life and open the "activation code" for intangible protection.

　　The first is to create a cultural and ecological protection zone and build a Hunan model.Actively promote the construction of national-level Tujia and Miao cultural and ecological protection zones in Wuling Mountain Area (Xiangxi), explore a "four-in-one" construction model that insists on combining intangible heritage protection with cultural relics protection, project construction, cultural tourism industry and rural revitalization, and formulate more than 20 supporting local laws and policies on cultural and ecological protection, with a special investment of 1.057 billion yuan, and the investment and management level are in the leading position in the country. In 2019, Xiangxi Ecological Zone became one of the first seven national-level cultural and ecological protection zones in China. In 2021, the national cultural and ecological protection zone experience exchange activities were held in Xiangxi, and the Hunan practice of "four combinations" was promoted throughout the country.

　　The second is to promote the deep integration of non-legacy and tourism.Intangible cultural heritage is the most dynamic, potential and suitable field for the integration of literature and tourism. After the central government put forward the development strategy of cultural tourism integration, in order to speed up the two-way journey between poetry and distant places and embrace each other deeply, in 2019, the Hunan Provincial Department of Culture and Tourism and Yueyang Municipal Government held a series of activities, including a traditional craft exhibition and a tea fair in a 5A-level scenic spot, an intangible theme evening with Yueyang Tower as the background, a collection of outstanding papers on intangible heritage and tourism, and an academic forum on intangible heritage and tourism. In 2020, the launching ceremony of the first Hunan Intangible Cultural Heritage Shopping Festival will be held on May 19th China Tourism Day and in Taohuayuan, a 5A-level scenic spot. In 2021, the main event of "Cultural and Natural Heritage Day" publicity and display will be placed in Nanyue Scenic Area. In 2021, the first batch of 10 non-legacy theme (research) tourist routes, such as the tour around the lake with plenty of rice, the tour of the Xiangjiang River with a thousand miles to explore the source of the non-legacy and the tour of the mysterious Xiangxi, were released, covering 100 counties (urban areas) in 14 cities (states), connecting 156 heritage sites in series and involving 367 non-legacy projects. In 2022, the United Provincial Administration of Traditional Chinese Medicine planned the trip of Chu Yun Hu Xiang to nourish the spirit, the trip of magical Xiang Dong to nourish the lungs, and the paradise.Six excellent routes of TCM health tourism, such as the journey of nourishing the heart, have evaluated a number of demonstration bases of TCM health tourism experience, and the degree of integration between intangible heritage and tourism has been continuously strengthened, and the integration effect has been continuously improved.

　　The third is to implement the "non-legacy into campus" brand project.Thirty-three primary and secondary schools, including Mingde Tianxin Middle School in Changsha, and five universities, including Hunan Institute of Science and Technology, were identified as the intangible cultural heritage inheritance schools and practice bases in Hunan Province. More than 300 sets (volumes) of non-legacy teaching materials (readers) have been compiled, involving nearly 400 non-legacy representative projects such as Qi Opera and Huagu Opera. Local non-legacy knowledge has been integrated into "local teaching materials" and "school-based teaching materials", and the interest of "knowing hometown, loving homeland, understanding non-legacy and passing on culture" has been developed to help primary and secondary school students accept the nourishment of Chinese excellent traditional culture. In recent years, more than 13,000 non-legacy activities have been carried out on campus through non-legacy exhibition activities, covering 486 non-legacy projects such as Peking Opera, Flower Drum Opera, Changsha Tanci and Changde Sixian, covering nearly 800 schools of various types, benefiting more than 5 million primary and secondary school students, and promoting the formation of two brand activities, namely "drama animation enters the campus" and "small non-legacy inheritor". Hunan’s experience in non-legacy campus was presented at the national symposium on non-legacy protection.

　　Third, serve economic and social development and enhance the "contribution rate" of intangible cultural heritage protection

　　The first is to promote the revitalization of traditional crafts.Implement the traditional craft revitalization plan, set up the second national traditional craft workstation in Xiangxi, and realize the "four ones" goal of "exploring a basic way for traditional crafts to integrate into modern life, forming a research and development mechanism based on the design strength, brand image and market channels of the station-based units, cultivating a group of practitioners with high quality and wide coverage of traditional crafts, and launching a group of creative brands with Xiangxi as the core". Completed the implementation plan of 7 traditional craft projects such as beachhead woodblock New Year pictures, guided the establishment of 12 traditional craft project trade associations such as Hunan cuisine, organized the province to carry out 42 traditional craft revitalization trainings with more than 2,600 person-times, and established 5 traditional craft related majors and trained more than 1,300 graduates relying on Hunan Arts and Crafts Vocational College and other universities. Held the "Hunan Traditional Craft Revitalization and Development Forum" for two consecutive sessions, launched the online Hunan Traditional Craft Network, and released the "Blue Book of Hunan Traditional Craft Revitalization". Hunan Traditional Craft Expo was held for five consecutive years, and it was the first in the country to create a non-legacy museum on the cloud. In cooperation with the high-end aviation magazine "Zunpin", the special issue of "To Be Intangible and Respect for Ingenuity" was launched, with a circulation of 100,000 copies, and the revitalization of traditional crafts in Hunan was full of vitality.

　　The second is to serve the country’s major strategy.Since 2018, we have continued to promote intangible assistance for precise poverty alleviation. In 51 poverty-stricken counties in the province, 152 workshops for intangible assistance for poverty alleviation have been set up, involving 194 intangible projects and 129,000 people, which has driven 72,000 people to work at home and helped 68,000 people get rid of poverty. Hunan’s experience of "intangible assistance+poverty alleviation" is a typical promotion in the country. In Xiangxi, relying on Miao Xiu, Miao costumes and other projects, we launched the "Let Mom Go Home" non-legacy poverty alleviation program, set up more than 20 training bases in Miao Xiu, and trained more than 6,000 embroidered mothers. The brand "Let Mom Go Home" was praised by name at the press conference held by the State Council Office to help the poor through culture and tourism, and was repeatedly reported by authoritative media such as Xinhua News Agency and China Central Radio and Television General Station, and its experience made a typical speech in the country three times. At present, intangible cultural heritage is being promoted to help rural revitalization. A total of 255 intangible cultural heritage workshops have been established in the province with a total investment of 2,169,451,500 yuan. At the beginning of this year, we took the lead in establishing provincial demonstration sites for non-legacy workshops, non-legacy villages and towns, and non-legacy blocks in China, and introduced relevant support measures to award 50 demonstration non-legacy villages, towns, blocks and workshops. Recently, the Ministry of Culture and Tourism entrusted five provinces in China with the pilot task of helping rural revitalization, and Hunan became one of the pilot provinces.

Feiyi poverty alleviation workshop

　　The third is to hold the Hunan Intangible Cultural Heritage Shopping Festival.In recent years, in view of the normalization of epidemic prevention and control and the reduction of personnel gathering, Hunan Intangible Heritage Shopping Festival has been held online and offline for three consecutive times in conjunction with Alibaba, Pinduoduo, JD.COM, Tik Tok and other national e-commerce platforms, which has driven intangible heritage enterprises, time-honored brands and inheritors to fully enter the e-commerce field. At the "Hunan First Intangible Shopping Festival and online celebrity Live Delivery Competition" held in Changde Taohuayuan Scenic Area, relying on Taobao, Pinduoduo and JD.COM, three "Hunan Intangible Heritage Museums" were opened, providing professional service for product exhibition and sales of 152 poverty alleviation and employment workshops, 139 intangible heritage projects and 259 inheritors in the province. More than 50 central and provincial mainstream media reported that active communication’s total exposure exceeded 400 million, driving the sales turnover of intangible products to exceed 600 million.

　　Fourth, tell the story of Hunan well and expand the "circle of friends" for non-legacy protection.

　　The first is to build a media communication matrix.Efforts will be made to build a "four-in-one" non-genetic broadcasting matrix covering TV, paper media, network and new media platforms, and a strategic cooperation will be reached with Beijing ByteDance, becoming the first provincial-level non-legacy administrative department in Tik Tok, and the coverage rate of non-legacy projects above the provincial level in Tik Tok is over 86.7%; Cooperate with Hunan Jingshi and China Communications Broadcasting to launch the columns of "Not Left in Hunan" and "Not Left on the Road", and broadcast a total of 320 programs; During the epidemic, the columns of "On the Cloud, Xiang Encountered Intangible Heritage", "Open Class of Intangible Heritage", "Learning Arts on the Cloud" and "Picking up Heritage on the Cloud" were launched, which were well received by netizens. During the "Cultural and Natural Heritage Day" this year, the propaganda film "Furong Guoli Xiang Encountered Intangible Heritage" was released, and three special programs with the theme of "Invisible Heritage Tourism is on fire", "Intangible Heritage Cross-border Tide" and "Intangible Heritage is alive" were planned and launched in the column "Jingshi Observation" of Hunan Jingshi, widely publicizing that intangible heritage helps tourism development, promotes rural revitalization and endowments.

　　The second is to innovate and hold brand activities.In recent years, we have innovatively carried out a series of activities, such as "Culture enters every family, the Year of Hometown Live by Video" and "Cultural and Natural Heritage Day". We have successively held more than 40 special activities, such as Hunan Traditional Craft Expo, Hunan-Hubei-Jiangxi-Anhui Intangible Heritage Exhibition, and "BMW China Cultural Tour", which has guided various localities to carry out intangible heritage activities for more than a thousand times every year. Make full use of major node events to hold publicity and exhibition activities. In 2019, the 70th anniversary of the founding of the People’s Republic of China was jointly held with Yueyang City to hold the publicity and exhibition activities of Hunan’s intangible heritage, and in 2021, the centenary of the founding of the Party was successively held with "Greeting the centenary of the founding of the Party with outstanding achievements" — — The skills exhibition and exchange of national and provincial representative inheritors in Hunan Province, the invitation exhibition of Chinese embroidery art with the red theme of "Looking Back for a Hundred Years" and the series of exhibition activities of "Red Classics and Non-genetic Inheritance" in Hunan Province have greatly aroused the enthusiasm of the broad masses of the people for loving the party, patriotism and traditional culture.

Miao Xiu state-level inheritors guide embroidered mothers to embroider.

　　The third is to widely spread the intangible sound.Organize and participate in China International Import Expo, China Chengdu International Intangible Cultural Heritage Festival, China Intangible Cultural Heritage Expo, "Xinjiang is a Good Place" and other major global and national exhibitions. It has organized more than 100 non-legacy projects and more than 300 inheritors to visit more than 20 countries and regions, such as the United States, Britain and Germany, and participated in foreign cultural exchange activities such as "Happy Spring Festival", "Perceiving China" and "Huxiang Fenghua", showing the people of the world the profound heritage and unique charm of Huxiang culture. Organized the "Hunan-Poland-Czech Intangible Heritage Exchange Week" in Eastern Europe, which attracted more than 20 local mainstream media to report and reached millions of people, expanding the international communication and influence of Huxiang culture.

　　Everything in the past is a preface. Hunan will continue to seriously study and thoroughly implement the spirit of the important exposition of the Supreme Leader General Secretary on the protection of intangible cultural heritage. With a broader vision, greater efforts and stronger measures, we will effectively regard intangible cultural heritage as an important window to show cultural self-confidence, an important starting point to implement cultural empowerment, an important carrier to promote cultural benefits and an important medium to promote cultural inheritance. We will do a good job in all work, continuously enhance the vitality, influence and reputation of Hunan’s excellent traditional culture, and continuously enhance people’s pride, happiness and sense of acquisition.

　　(Author: Vice Minister of Propaganda Department of Hunan Provincial Committee of the Communist Party of China Li Aiwu, Party Secretary and Director of Hunan Provincial Department of Culture and Tourism)