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At 16: 30 on March 5, 2017, the Communist Party of China (CPC)’s outstanding party member, former deputy director of the Standing Committee of Jiangxi Provincial People’s Congress, former deputy governor of Jiangxi Provincial People’s Government, and national and provincial model worker Jiang Zhongping died in Nanchang at the age of 74.

On March 9th, Jiangxi Political Reading, an information daily, learned that Liu Chunrui, an associate professor of Chinese Department in Peking University, wrote an article recalling Jiang Zhongping’s life after learning of the death of Comrade Jiang Zhongping. With the consent of Professor Liu, we hereby forward this article.

On the Honest Life of Pioneer Jiang Zhongping

Liu Chunrui, Associate Professor of Chinese Department of Peking University.

Liu Chunrui data map

At 4: 30pm on March 5th, Mr Jiang Zhongping passed away. People are weak, which increases my sadness. The Communist Youth City, which he led the Communist Youth Reclamation Team, is located in Duchang, my hometown, separated from Poyang Lake, and looks east and west. When I was in primary school, the intern teacher told us the advanced deeds of Mr. Wang’s reform and entrepreneurship, which sowed a seed of youth for us. Last autumn, after visiting Nanchang, I was very excited to see Mr. Wang splash ink in his studio. At that time, he was still healthy and had the strength to fight the disease. Now, his sudden return to Daoshan is very painful to me. In this rather quiet midnight in the northland, sound of spring came slowly. Holding a pen, I sat in front of the window, and the bright image of my husband, aboveboard and selfless, reappeared before my eyes. With this article, I send my condolences from afar.

one

In January 1944, Jiang Zhongping was born in a poor family in Sunxiang Village, Tongzha Town, hanshan county City, Anhui Province. At the age of 10, he lost his father. At the age of 15, he took two young sisters to say goodbye to his lonely grandmother, looking for his mother, and moved to Gongqingcheng, Jiangxi. He lost his mother at the age of twenty, and joined the Communist Party of China (CPC) at the age of twenty-six. He has successively served as Party Secretary and Director of Gongqing Reclamation Farm, Deputy Secretary of De ‘an County Committee, Deputy Secretary of Nanchang Municipal Committee and Mayor, Vice Governor of the Provincial Government and Deputy Director of the Standing Committee of the Provincial People’s Congress. He has also been elected as Executive President of China Arts and Crafts Association, National Model Worker, Representative of the Eighth National People’s Congress and Representative of the 16th National Congress of the Communist Party of China. Jiang Zhongping went through hardships all his life, fought bravely and persevered, devoted all his life energy to the cause of the party and the people, and propped up the whole family with strong arms.

On the banks of Poyang Lake in 1960s, a barren land where snails were everywhere and schistosomiasis was a disaster, and a place without any marks on the map, Jiang Zhongping led the Communist Youth Reclamation Team to create a city of youth, reform and ideal. This place was named by Comrade Hu Yaobang as Gongqing Society, Gongqing Reclamation Field and Gongqing City.

The difficulty is greater than the current situation, and the reform is easy to unite the spirit. In July 1969, the Communist Youth League was forced to split up, and the Communist Youth League moved to the more desolate and remote South Lake. During the rainy season, 30,000 bricks and tiles for the covered duck factory were demolished, all of which were submerged in the huge waves. Without hesitation, Jiang Zhongping was the first to jump into the flood, but they just fished out all the bricks and tiles. That year, the salted duck factory was built, which stabilized people’s hearts and earned 90 thousand yuan, and passed the most difficult period of the farm.

He led the "Communist Youth League" to create "Duck Duck" brand down jackets and fist products such as dried salted duck, beer and lean pig, which were exported to more than 40 countries and regions, earning more than 12 million US dollars in foreign exchange each year, and the per capita output value reached more than 16,000 yuan, creating a new model of no agriculture, no work, no wealth and no business in the whole country, making the Communist Youth League "famous all over the world".

From scratch is a revolution, and everything is a realm. Every step forward, there are always storms and hardships. After the hurricane, rebuild your home; There is no town, create it yourself. In the 24th Spring and Autumn Period of the Communist Youth League, his name has been deeply engraved in this emerging city. He is like a winter plum, tenaciously blooming on the banks of the misty Poyang Lake, watching the Communist Youth League, and the fragrance overflowed in the spring of the motherland’s reform and opening up, becoming the weathervane of that era! In the face of these extraordinary achievements, he always said that this is the grace of the party, and the credit belongs to the times and the people.

Middle-aged official, performing his duties in Nanchang, cultivated for ten years, with a strong pen and heavy color, which left a good reputation. He dared to break in, transform the old city of Nanchang, build Yanjiang Road and Nanchang Bridge, and rebuild Tengwang Pavilion. He worked hard to build a new Yuzhang, repair overpasses, Changbei Airport and Economic Building. "Nanchang speed" and "Hongdu experience" became hot topics that people talked about at that time. After working in the provincial government, he still maintained a strong revolutionary fighting spirit, worked conscientiously, assisted the governor in grasping circulation, activating the market, promoting opening up, developed business with the courage of opening up, innovating and being the first, prospered the urban and rural markets, expanded inter-provincial cooperation, and worked hard for the opening up and development of Jiangxi. During his tenure at the Standing Committee of the Provincial People’s Congress, he studied the policies and business of the work of the National People’s Congress, and did some fruitful work in promoting financial and economic legislative supervision and planning and budget review. After retiring from the leadership position, he still insisted on studying, adjusted his mentality, participated in various activities within his power, and contributed to the cause of the party and the people.

In his later years, Jiang Zhongping visited the Heart Art Garden and worked tirelessly as the executive president of China Arts and Crafts Association. Grand composition, thick lines and strong brushwork are the main styles of his calligraphy and painting art. Anyone who has seen his live paintings will be amazed at the waves at the bottom of his pen and the clouds on the paper. Such artistic personality is the result of decades of entrepreneurial spirit. His pioneering will and enthusiasm for hard work have been fully demonstrated in his free art kingdom.

two

Jiang Zhongping has a general temper and dares to fight against evil forces; He is also a heavy drinker, and he will be drunk when he meets his bosom friends. He is bigger-minded, either not doing it or being the first.

He is big, as if he were born with it. In his early years, when he was herding cowboys in his hometown in Anhui, he was king of the children; Youth entrepreneurship Communist Youth League, starting from scratch to create a world; Being in charge of Nanchang in middle age has created many firsts in the whole province and even the whole country; The paintings and calligraphy in his later years are mostly large landscapes. Bamboo, only take its fresh strength; Pastoral, only praise its harvest; Autumn cliff, only painting the flying of mountain waterfalls; In the native land, "the willows on the shore are constantly looking forward, and the long Huai is thousands of miles into the new autumn", which is written about the power of clearness.

Whether starting a business or reforming, he dares to think and do it, stand tall, look far, have courage and have a big pattern. He is ahead of his ideas. When there is Poyang Lake, he will raise more ducks. When there are more ducks, he will run a dried salted duck factory. When there are more duck feathers, he will run a down factory and a winery when there are more guests.

If I read the mountain, I realized the existence of "big"; If I read the classics, I see the realm of "big". Mencius said: "Abundance is beauty, and fullness and brilliance is greatness." Zhuangzi highly praised "big", and he compared those who bear the blue sky, unique cloud spirit and are suitable for the south to Dapeng, which is a symbol of ideal personality. Adults and gentlemen are always admired by the world. Communist party people associate "greatness" with the liberation of mankind, and put the people’s cause first.

Regardless of the small, regardless of personal gains and losses. Big and magnanimous, not surprised by honor or disgrace. Big and heroic, a bright moon, remain uncorrupted. Great and fearless, fearless in times of crisis, fruitful in doing things. Big and open-minded, life and death are the same, and enlightenment is the Year of the Crane. Many of his words and deeds can be described as consistent in the "big" here.

Jiang Zhongping loves mountains, and he loves the land under his feet. He loves heaven with depth, people with temperature and children with moderation.

In May 1982, he led a delegation to Japan to study down processing technology. When I came back, the suitcase was full of all kinds of down technical data, but there was not a tight Japanese appliance. Others advised him to move to a new house, but he insisted, "I won’t be the last to move until all the employees live in the new house." I live in a low, damp old bungalow, worrying about its people and enjoying myself.

He often said that people should have spirit. The reason why the wheel of human beings rolls forward is that only by facing difficulties can it be solved. After suffering from a serious illness, his work and rest remained unchanged, his distress did not increase, he was optimistic and never bowed his head. Persuade children to say that he has been satisfied all his life, feeling grateful to the party, thanking friendship and being filial to Reiko, and there are not many regrets.

The first thing I did after waking up from major surgery was not to ask him about his illness, but to ask his classmates who came to visit him from other places. How was the arrangement? Did you not treat your friends badly? He is such a person, who cares about many people and few about himself. Many people contribute to their country, but few give to themselves. Even though he was seriously ill, he still thought very little of himself, and told his family not to cause trouble to the country. He said that things have come to this point, and the road is natural, and heaven and man are one.

People’s hearts are full of meat. Suffering from illness, there is no pain! But he has always been a strong ninja, trying not to let people find his emotional changes. I really can’t insist on going. I can only hum a few times at most. He is such a man, such a gentleman and such a true hero.

three

Jiang Zhongping has always been optimistic. In November of the year before last, when the serious illness was just found out, the doctor judged that he would not live for 9 months. After the operation in May last year, he lost a lot of weight, and when he saw his youngest son’s bloated body, he did not forget to ridicule that he still had a figure to wear clothes to be beautiful. On December 12th last year, it was his seventy-third birthday. His children were very happy and held a simple birthday party for him at home. He said that the Central Committee has eight regulations that cannot be extravagant, and then said easily: "The past year has been like a year for others, but it has been like a year for me." I hear it in my ears, but it hurts in my heart. What a powerful spiritual strength his old man must have to support such a relaxed smile.

Jiang Zhongping’s son said, "With my sick father, I have experienced what it means to race against time, and I feel that life is more and more precious, and the most rare thing is a deep affection between father and son. I really want to say to him:’ I don’t want anything. You can live, which is the greatest gift for our children.’ "

Liang Jikuan recalled that his father, Mr. Liang Shuming, said that at that time, his father’s whole task was to preserve the tradition of "gentle". He said that as long as China’s culture does not die, the nation will not die. Mr. Liang has no time to teach his children face to face and to teach them by example. But Mr. Liang Jikuan clearly saw the tall figure after his father hurried. This tall figure is the deepest thought and the most touching education.

Seek things from the overall situation, have a bright heart, be an upright person, and take great care of people. -This is the deepest thought and the most touching education that Jiang Zhongping gave his children.

He said: "I have benefited the most from the party’s grace in my life. Without the cultivation of the party, there would be no life course for me. " Teach your children and remember the party’s kindness all your life.

In his article Yaobang and Our Communist Youth League, he said: "Gongqing City was created by Comrade Yaobang under the guidance of the Communist Youth League. Every step of development here cannot be separated from Comrade Yaobang’s great concern. Comrade Yaobang will always be with us Communist Youth League members. Comrade Yaobang’s spirit will always reflect the Communist Youth League like the light of the sun, inspiring us to move towards a brighter tomorrow! " He led the Communist Youth League to cultivate people, which was bathed in the sunshine and dew of the party and deeply cared by Comrade Hu Yaobang, so that he could go straight against the current, cut through difficulties, make progress from scratch; Only two "perseverance" in his life (hard work and reform and innovation) can be realized, and only then can he have the "Communist Youth League Model" and "Hongdu Experience" which are famous throughout the country.

four

Jiang Zhongping’s prime of life coincides with the reform and opening-up. In the tide of the times, he made extraordinary achievements by making waves, braving the wind and waves, which is attributed to that great era. It was the great times that perfected his personality of reform and innovation, and he added luster to his times with his innocent youth.

The avenue of Jiang Zhongping’s life, the "big" ideological personality formed by the avenue, can only be alive, true and powerful if it is placed in its great era. This is the most honest ideological education he left us.

The wonderful pen and flowers published in 2014 is his last collection of paintings and calligraphy. The collection also includes the blue-and-white calligraphy giant porcelain plate "Qinyuanchun Snow" created in 2006. This large-scale porcelain calligraphy, which won the title of "the best in kiness in the world", is vigorous and forceful. Seeing this painting, his tall body, indomitable will, approachable temperament and indomitable gentleman image stood before my eyes.

Entrepreneurship, politics and art constitute his trilogy of life. Entrepreneurship and politics have enriched his artistic connotation; Wandering in art has improved his life realm. Righteousness is the cultivation and education of the party; Big is the essence of his temperament. The unity of "fairness" is the most distinctive personality of Jiang Zhongping’s life.

His eldest son, Comrade Jiang Bin, wrote in the poem "Father": "When I was a child, my father’s shoulders were the mountains that stood, and they were the lookouts." Now, standing on a high sentry post, looking into the sky, the starlight overhead, like his deep love, is clear and bright.

Outside the window, the moonlight, like water, quietly spilled on his book painting, as warm as the old days of primary school. And the looming starlight is also here at this time.

Raise your pen, and you will be in constant pain, followed by singing;

Simple and lofty sentiments, gods and virtuous,

So, you are here!

I’ve gone astray for a long time,

Looking for you in the busy crowd.

If your holy tree grows on earth,

Only on Gao Gang can it be lush and green.

Compared with pleasant tranquility,

I feel vulgar when I get along with people.

How can make-up beauty have it?

The amorous feelings of this spring stream in Yun Chuan?

Cruel passion makes infatuated people

Carve the lover’s name on the tree.

They don’t understand or don’t want to admit it.

How can lovers compete with starlight!

Lovely starlight, if I hurt you,

Please carve your own name.

The morning breeze is your kind smile,

The earth is your steady posture.

Autumn acquaintances count the years of the Communist Youth League,

The starlight of the pine moon is swaying and echoing the tide.

Singing beautifully in the starry sky,

Reflected on the vast shore of blue waves.

This place is full of vicissitudes of life,

My image flows here.

Life here, how wonderful!

A cluster of azaleas guarded the hill.

The earth here is so beautiful!

Bitian’s poems can’t hold back sorrow.

Sweet grapes on vines

Squeeze the fragrance of Joan juice from my lips.

The brightness in the shadow of Ganjiang lamp

Please wake up my dream pen, and the world will be full of baskets.

You wash the waves of the dark clouds with nail polish,

You use mountains to support the sea that holds the sun.

In your otherworldly world

Life has never been as blue as the sea;

In your burly and stalwart personality

Time is as clear as olives!

Let all creators go in and out with the times

Dreams and butterflies, a trip to the forest.

Born here with a clear spring,

Or a moss-covered stump of a fruit tree.

The clothes of the body were thrown outside,

My little soul flew into the sentry post.

Like a bird singing happily in spring,

And comb its silver wings.

Let the wings shine brightly,

Until you carry the sky and spread your wings.

A paradise that used to be poor and happy,

That’s it, shared by starlight.

Such a pure and sweet homeland,

The high starry sky stems from ardent yearning.

Stepping on the light, that shape

A stream of reeds is dyed for the beautiful spring.

Thousands of charm, feeling the power of love.

The teenagers here stand and look into the distance.

Goose,-You are my moonlight.

Sprinkle on the backbone of great love.

Skilled gardeners use branches and flowers,

How exquisite the sundial is!

The hard-working bee among the flowers,

I am also busy calculating the time skillfully.

Such a vibrant spring scenery,

How can you not share it with the world!

The proverbs of Zhuang and Lao, who have everything but nothing.

At the beginning of the universe, please settle my heart at ease.

The true meaning of Yangming studies with one mind and one mind

Let the hibiscus be clothed with stars and chardonnay, and open its heart to light.

Beautiful mountains and rivers reflect the sun and the moon,

The breeze is strong and the sea is vast.

We create and develop there.

Even though it is a dangerous beach, it is fearless of thunder storms!

Written on March 6, 2017, Peking University Wanliu Apartment.

Resume of Jiang Zhongping

Comrade Jiang Zhongping was born in January 1944 in Sunxiang Village, Tongzha Town, hanshan county City, Anhui Province. Joined the Communist Party of China (CPC) in June 1970. In September 1959, he joined the work in Nanhu Livestock Farm, Dean County, Jiangxi Province; Since September 1966, he has successively served as the workshop director and deputy director, party branch secretary and director, party branch secretary and director of down factory, deputy secretary, deputy director, secretary and director of the Party Committee of Jiangxi Gongqing Reclamation Farm; Since December 1982, he has served as member of the Standing Committee and Deputy Secretary of De ‘an County Committee of Jiangxi Province, secretary of the Party Committee and director of Gongqing Reclamation Farm of Jiangxi Province; In June 1984, he served as deputy secretary and deputy mayor of Nanchang Municipal Committee of Jiangxi Province; In April 1990, he served as deputy secretary and mayor of Nanchang Municipal Committee of Jiangxi Province; In August 1993, he served as assistant to the governor and member of the party group of Jiangxi Provincial People’s Government; In January 1998, he served as deputy governor of Jiangxi Provincial People’s Government; Since January 2003, he has served as deputy director and member of the party group of the Standing Committee of Jiangxi Provincial People’s Congress; Retired in May 2009.　

(The original title is "Associate Professor of Peking University wrote an article recalling Jiang Zhongping, the former deputy governor of Jiangxi")

　　This year, the global economic growth slowed down obviously, which brought great pressure and challenges to stabilizing foreign trade. However, after a series of comprehensive measures to stabilize foreign trade support policies, in the first eight months of this year, China’s import and export of goods were basically the same year-on-year.

　　Among them, exports achieved month-on-month growth for three consecutive months, showing strong resilience. All localities and departments are also trying to increase the intensity of service enterprises.

　　Multi-party efforts to stabilize foreign trade measures frequently "innovate"

　　As a new foreign trade format with rapid development in China, cross-border e-commerce is an important way for many enterprises to obtain orders.

　　Since the beginning of this year, in order to get more orders, many enterprises have chosen to enter overseas cross-border e-commerce platforms, but overseas platforms also have the risk of bankruptcy. How to solve the worries of enterprises, look at the practice of Ningbo, Zhejiang.

　　This foreign trade enterprise in Ningbo, Zhejiang Province covers furniture, household goods, fitness products, holiday products and so on. Since it was sold on an e-commerce platform in North America, it has exceeded $10 million in sales in the first year. At present, enterprises intend to enter more overseas e-commerce platforms.

　　Zhou Wenyi, Managing Director of Ningbo Excelle Group:In the near future, we plan to enter 2 ~ 3 new platforms in North America to further expand new overseas markets.

　　Zhou Wenyi told reporters that most cross-border e-commerce platforms require sellers to open accounts in the platform. After consumers place an order for payment, it will take half a month to two months before the seller can withdraw the payment. During this period, once the platform encounters risks, the sales of enterprises may not be collected.

　　In order to enable the majority of small and medium-sized enterprises to boldly expand the market with the help of cross-border e-commerce platforms. China Xinbao, the only policy insurance company in China, innovatively launched cross-border e-commerce insurance to provide security for the export of cross-border e-commerce products.

　　Lai Yi, Account Manager of China Xinbao Ningbo Branch:The new cross-border e-commerce insurance is based on the sales agreement between cross-border e-commerce enterprises and platforms in China, covering risks such as the bankruptcy of platforms, ensuring the safety of the whole fund with a small premium, and allowing small and medium-sized enterprises to expand overseas markets with confidence.

　　According to reports, the rate of cross-border e-commerce insurance is comprehensively determined according to factors such as insurance scale, account period, industry of the enterprise, and credit standing of cross-border e-commerce platform. Take Ningbo as an example, their insurance cost is equivalent to about 2% of the product profit. If there is a risk on the platform after insurance, China Xinbao will generally complete the loss assessment within 4 months, and the amount of compensation will be 80%-90% of the sales.

　　It is understood that since the pilot of cross-border e-commerce insurance in Ningbo, more than 10 enterprises have insured, and it is estimated that the guaranteed sales amount will exceed 1 billion yuan.

　　Take the initiative as a comparison standard to help foreign trade enterprises deliver orders

　　This year, some enterprises in China have also received many overseas urgent orders, but due to technical barriers in standards, the delivery of orders is not timely.

　　In Yangzhou, Jiangsu Province, the local inspection and testing department took the initiative to help enterprises solve the problem of inconsistency between national standards and international standards and remove obstacles for enterprises to deliver orders. (Pick up the film)

　　Yangzhou, Jiangsu, a manufacturing enterprise, its products are widely used in offshore wind power, bridges and docks, high-speed trains and subways. Since the beginning of this year, the overseas customers of products have been expanding, but many new customers require enterprises to provide product inspection reports based on international standards. Previously, the test reports of these products were based on national standards, which made the enterprise difficult.

　　Li Haijun, General Manager of Jiangsu Juxin Petroleum Steel Pipe Co., Ltd.:Some are against American API-2B certification standards, and some are against Canadian CWB certification standards, including EU CE certification standards.

　　The enterprise found the local inspection and testing department, carefully studied these international standards after understanding the situation, and compared them with domestic standards. Through comparison, it was found that all the international standards involved had been adopted by national standards.

　　Liu Chang, Engineer of Yangzhou Inspection and Testing Center:Both the content and the structure are the same, and there is no substantial difference. It shows their foreign customers the rationality of using national standards as the testing basis, and eliminates their foreign customers’ misunderstanding and doubts about our national standard system.

　　Liu Chang introduced that they took the initiative to face foreign customers, introduced the international standards adopted in the national standards one by one, and supplemented the corresponding explanations, so that foreign customers recognized the test report. At present, in the field of steel pipe piles, China’s testing and certification by national standards is equivalent to international standards, and it has been recognized and adopted in Canada, Australia and other countries.

　　Moreover, in order to complete the delivery of the order as soon as possible, the time for issuing the test report has also been greatly improved.

　　Liu Chang, Engineer of Yangzhou Inspection and Testing Center:Our center has issued more than 1,500 test reports for foreign trade enterprises, helping foreign trade enterprises to deliver orders and realize income generation of about 300 million yuan.

　　Set up special foreign trade credit to support enterprises to "go to sea"

　　Since the third quarter, policy-oriented financial institutions have continuously increased credit support in the field of foreign trade.

　　Help enterprises to speed up going out to sea by setting up special credit for foreign trade.

　　At the cargo terminal of Shuangliu International Airport in Chengdu, Sichuan, the staff of this air freight enterprise are busy playing the board and sending 58 tons of e-commerce products to Europe.

　　Dong Zhijian, Business Manager of Aviation Logistics Department of Sichuan International Air Freight Development Co., Ltd.:Today’s flight is to London, which is a new route we opened this year.

　　Dong Zhijian told reporters that at present, the proportion of cross-border e-commerce goods they carry has increased from 10% last year to about 40%. In order to meet the cross-border transportation needs of e-commerce customers, they have been actively expanding routes this year, but now enterprises are also facing the problem of tight funds.

　　How to solve the financial problems faced by foreign trade enterprises? Not long ago, the Sichuan Provincial Department of Commerce and The Export-Import Bank of China Sichuan Branch issued a number of measures, including setting up a special credit line of 50 billion yuan for foreign trade and expanding preferential policies for import financing, to provide policy-based financial support for stabilizing foreign trade.

　　Wu Qi, Vice President of The Export-Import Bank of China Sichuan Branch:We set up a professional team to analyze the demands of enterprises one by one. For example, some enterprises need short-term funds, some enterprises need to resume orders, others need to guard against exchange rate risks, and some even need to help solve cross-border customs clearance and logistics problems. When the problem is identified, the effect of serving foreign trade naturally comes out.

　　In response to the financial needs of this enterprise, the newly established 50 billion yuan special credit line for foreign trade soon landed its first credit business, granting nearly 2.4 billion yuan of credit to enterprises and issuing nearly 1.2 billion yuan of loans and import credit to foreign trade enterprises. With the support of financial policy, next month, enterprises will add freight routes from Chengdu to Liege, Belgium, which will not only support their own foreign trade business, but also help cross-border e-commerce enterprises to quickly "go out to sea".

　　Consumers who are used to scanning the WeChat "face-to-face QR code" collection code now have new choices.

　　On January 13th, Bank of China announced its cooperation with China UnionPay and Tenpay, taking the lead in realizing the payment function of mobile banking scanning WeChat "face-to-face QR code" and becoming the first bank to realize mutual recognition and scanning with WeChat. On the same day, the Bank of Communications also announced that it has achieved interoperability with WeChat QR code payment.

　　In an interview with the Economic Daily, the relevant person of China Bank pointed out that it is a clear requirement of the People’s Bank of China’s financial technology development plan to realize the interconnection of scanning codes. For merchants, it can effectively integrate complicated two-dimensional code table cards to realize one-code communication; For customers, there is no need to identify and distinguish WeChat QR code, Alipay QR code and UnionPay QR code, and you can scan the code payment by opening the APP to achieve a sweeping.

　　With the development of interconnection, more two-dimensional code payment transactions will be settled through UnionPay and Internet Link, which will be more standardized and unified, conducive to risk information sharing and risk identification, and conducive to the overall management and monitoring of regulatory authorities, making the entire payment system more secure.

　　The reporter learned that at present, customers of Bank of China and Bank of Communications can complete the payment by scanning the QR code of WeChat payment using the mobile banking of these two banks in pilot areas such as Fuzhou, Ningbo and Jinan, and it is expected to be fully promoted soon.

　　Since 2019, the regulatory authorities and the industry have been promoting the development of interconnection standards for bar code payment, so that third-party payments such as Alipay and WeChat payment can be interconnected with scanned code payments such as QR codes developed by UnionPay. In September 2019, the People’s Bank of China announced the FinTech Development Plan (2019— In 2021), it is clearly proposed to promote the interconnection of bar code payment, study and formulate the technical standards of bar code payment interconnection, unify the coding rules of bar code payment, build the technical system of bar code payment interconnection, break through the barriers of bar code payment service, and realize mutual recognition and mutual scanning of bar code logos of different apps and merchants.

　　It is worth noting that after interconnection, are banks different from before in controlling payment risks? In this regard, the relevant person of Bank of China said: "This interconnection transaction still follows the UnionPay standard two-dimensional code payment specification and the four-party business model, which is in line with the existing two-dimensional code payment limit and safety risk control requirements, and is basically the same as the original two-dimensional code payment in risk control."

　　In addition, from a technical point of view, the reporter learned that in the process of realizing interconnection, the main problem is how to realize mutual scanning and mutual recognition of two-dimensional codes of different standards and the transaction transfer through clearing organizations. At present, the pilot project of mutual scanning between Bank of China, Bank of Communications and WeChat is only the first step of interconnection, and the follow-up needs the joint efforts of regulators, UnionPay, Internet, banks and payment institutions to further promote the participation of various institutions in interconnection from the payment industry level.

IT House reported on April 18th that according to the feedback from users of IT House, Xiaomi 14 Ultra mobile phone has been internally updated to support 5G-A(5.5G), the version number is 1.0.9.0.UNACNXM, and the installation package size is 527 MB.

IT House with main updates:

Add convenient satellite communication and Tiantong business entrance to enjoy the satellite experience;

Add 5G-A capabilities and experience the extreme rate of 5G (the actual state depends on the local operator’s network and business deployment);

Incorporate the April 2024 security patch to enhance system security.

The official of China Mobile has previously measured the 5G-A of Xiaomi 14 Ultra, and the downlink rate has exceeded 5Gbps, reaching 5132.34 Mbps. Xiaomi Company also expressed its congratulations to China Mobile Group for its first commercial deployment of 5G-A in the world. Xiaomi 14 Ultra will jointly introduce more new features of 5G-A with China Mobile, hoping to achieve new heights in time delay and speed.

For other vendors, OPPO Find X7 Ultra has pushed the 5.5G network upgrade package. Vivo X Fold3 series and iQOO 12 series also confirmed their support for 5.5G networks. Glory Jiang Hairong said that Magic6 has supported 5.5G networks, but there is no 5G-A logo.

Willow silk spits green, spring flowers sprout,

Handfuls of fresh spring vegetables emerged from the soil.

Some people say that the best way to make your body feel spring,

Is to "eat" spring into your stomach,

Let’s take a look at these spring dinner tables

What are the indispensable seasonal foods ~

Capsella bursa-pastoris

Su Shi, a great writer, once said, "It is better to cook mountain soup for a monk’s house than to seek wild grass around the wheat field." Shepherd’s purse is an out-and-out natural green nourishing food, which is not only a spring vegetable in wild vegetables, but also delicious on the tip of the tongue.

Shepherd’s purse and fresh meat wonton

For Shanghainese who love wonton, the shepherd’s purse wonton in spring is more delicious and full of fresh field aroma. Take a bite, keep your lips and teeth fragrant, eat one, the fragrance will fill your heart, taste it, and the fragrance will overflow in spring.

Fried rice cake with shredded pork and shepherd’s purse

A plate of fried rice cakes that is most suitable for spring, shepherd’s purse and shredded pork with rice cakes, is very attractive just visually. If you add some winter bamboo shoots, you will have to eat more!

Shepherd’s purse and bean curd soup

The smoothness of tofu, coupled with the fragrance of shepherd’s purse, makes the cp combination so delicious that people can’t afford it!

Spring bamboo shoots

Spring bamboo shoots are the best seasonal ingredients in spring, and they have the reputation of "the first treasure among vegetables" in ancient times. Spring bamboo shoots, because of their white color as jade and fresh meat, are essential food on the table. In Zheng Banqiao in Qing Dynasty, there was a judgment that "fresh bamboo shoots in the south of the Yangtze River take advantage of the shad, and the spring breeze is rotten at the beginning of March".

bamboo shoot soup with fresh and pickled streaky pork

"Pickling" refers to the pickled ham, with Jinhua ham as the top grade; "Fresh" means fresh bamboo shoots, fresh pork belly, hind leg meat or pig’s hoof, preferably pork belly or hind leg meat; "DuDu" means slow stew with small fire in Shanghai dialect.

Braised bamboo shoots in oil

Braised bamboo shoots in oil are frequent visitors to Shanghai’s dining tables. Pale yellow bamboo shoots are stained with bright sauce red juice and become a super dish. It’s obviously a vegetarian dish, but it’s better than a meat dish.

Toona sinensis

Toona sinensis is a unique delicacy in spring.

Toona sinensis scrambled eggs

After washing Toona sinensis, blanch it in boiling water, and cut the blanched Toona sinensis into pieces for later use. Add Toona sinensis powder and salt, stir well, heat the oil in the wok to 70% heat, pour in Toona sinensis egg liquid, and stir-fry until the egg liquid is slightly solidified.

Malan head

Xianggan Malantou

The fragrant dried Malantou is a famous spring dish in Shanghai. It is boiled in boiling water and then cut into fine pieces. The fragrance is fascinating. After mixing the fragrant dried powder, it is poured with sesame oil, and the taste hits the soul directly.

Malantou Youth League

Fresh Malantou and finely cut dried bean curd are mixed together to form the freshest taste in this spring.

Caotou

Bouquet grass head

Bouquet grass head is a home-cooked dish of Shanghainese. Its tender and green leaves, inspired by white wine or yellow wine, maximize the fragrance of herbs, and make it melt in the mouth, so that everyone who meets it can’t refuse.

Caotouta cake

Mix chopped grass heads with rice flour and glutinous rice flour to make small dumplings with a diameter of two inches, then press them into round cakes with the palm of your hand and fry them in oil until they are yellow on both sides, crisp outside and soft inside, and fragrant.

Caotouquanzi

Silkworm bean

Broad bean is a delicious food in spring, rich in plant protein, and also a frequent visitor to many Shanghainese spring tables.

Broad bean with scallion oil

Skinned broad beans, stir-fry with oil and salt, and when the bean shells crack, add shallots, stir-fry simply, and a plate of fresh broad beans with scallion oil can order a green table.

This spring,

Try these seasonal delicacies,

Feel the gift of spring ~

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Source: @ Leyou Shanghai

ShangguanNo. Author: Shanghai Taiwan Compatriot Service Center

　　Recently, the real estate market has received more attention. On the one hand, the growth rate of real estate loans continues to decline, on the other hand, mortgage interest rates in various places have increased to varying degrees. How will the regulatory policy be promoted? Will mortgage interest rates continue to rise? In response to the above hot topics, the reporter interviewed a number of industry experts.

　　Supervision and intensive inspection of real estate financing

　　Since the beginning of this year, under the main tone of the policy of "housing and not speculating", real estate financing has continued to tighten. The report on the implementation of monetary policy in China in the second quarter recently released by the People’s Bank of China shows that by the end of June, the balance of real estate loans of major financial institutions (including foreign capital) in China was 41.9 trillion yuan, up 17.1% year-on-year, and the growth rate was 1.6 percentage points lower than that at the end of March. Among them, the balance of individual housing loans was 28.06 trillion yuan, up 17.2% year-on-year, and the growth rate was 0.3 percentage points lower than that at the end of March.

　　These changes in the field of mortgage are closely related to regulatory policies. In May, the Ministry of Housing and Urban-Rural Development issued an early warning to Foshan, Suzhou, Dalian and Nanning, where the price index of newly-built commercial housing and second-hand housing has increased significantly in the past three months, and some cities with overheated property markets have stepped up regulation. Affected by this, mortgage interest rates in a few popular cities rebounded.

　　According to the latest monitoring data released by Rong 360 Big Data Research Institute, the average interest rate of the first home loan in July was 5.44%, equivalent to 1.11 times the benchmark interest rate, up 2 basis points from the previous month; The average interest rate of second-home loans was 5.76%, up 1 basis point from the previous month. From the data point of view, the national mortgage interest rate level rebounded in the second half of the year.

　　In the second half of the year, the trend of stricter supervision became more obvious. At the end of July, the Political Bureau of the Communist Party of China (CPC) Central Committee held a meeting to plan the economic work in the second half of the year, and made it clear that the house should be used for living, not for speculation, and the long-term management mechanism of real estate should be implemented, and real estate should not be used as a short-term means to stimulate the economy.

　　Subsequently, the regulatory authorities acted intensively, tightening real estate financing from banks, trusts, open market bonds and other aspects. Recently, China Banking and Insurance Regulatory Commission launched a special inspection of bank real estate financing, focusing on the management of real estate development loans and land reserve loans in 32 cities, and severely investigated and dealt with all kinds of illegal acts of diverting funds into the real estate industry.

　　While the financing of real estate enterprises has been significantly tightened, the supervision of personal housing credit business has also been further strengthened. The recent symposium on the adjustment and optimization of credit structure of banking financial institutions held by the central bank proposed to maintain a reasonable and moderate growth of personal housing loans, and it is strictly forbidden to use consumer loans for buying houses illegally. China Banking and Insurance Regulatory Commission began to check the implementation of differentiated credit policies of banks, implemented the minimum down payment ratio and loan restriction policy requirements, performed the assessment and inspection of the authenticity of down payment funds and the solvency of loan applicants, and focused on investigating the misappropriation of personal comprehensive consumer loans, business loans, "down payment loans", credit card overdrafts and other bank credit funds in the real estate sector.

　　Interest rates in many places have risen to varying degrees.

　　It is worth noting that the monitoring data of Rong 360 Big Data Research Institute shows that the trend of mortgage interest rates in first-tier cities and second-tier cities in July is quite different.

　　Among the first-tier cities, the mortgage interest rates in Beijing and Guangzhou were the same as last month, while the average level in Shanghai and Shenzhen declined. Among them, many banks in Shanghai lowered the mortgage interest rate, which led to a decrease of 7 basis points in the first home loan interest rate in Shanghai, second only to Haikou, making it the second largest city in China. In second-tier cities, mortgage interest rates in several popular areas have risen. Among them, Suzhou, Hangzhou, Ningbo, Dalian and Changsha have accelerated the frequency of adjustment, and have recently raised the mortgage interest rate more than once, and some banks have tight quotas and even suspended accepting mortgage business.

　　In this regard, Ceng Gang, deputy director of the National Finance and Development Laboratory, thinks that we should look at it differently. First of all, not all urban mortgage interest rates are rising, which shows that policy regulation is accurate, because normal credit should exist. Secondly, it is not necessary to increase the mortgage interest rate. The key is to block the illegal entry of funds into the real estate sector.

　　"In the environment of tightening policies, commercial banks tend to be cautious about personal housing loan business." Dong Ximiao, deputy dean of Chongyang Financial Research Institute of Renmin University of China, said that after the large-scale credit supply in the first half of the year, the credit line was relatively small in the second half of the year, and an appropriate increase in interest rates would help banks improve their income level. At the same time, in recent years, the leverage ratio of China’s residential sector has risen rapidly, and real estate financial risks are accumulating. Raising the loan interest rate will help commercial banks to better guard against housing loan risks.

　　Dong Ximiao said that in the case that the market liquidity is still reasonable and abundant, although the interest rate of individual housing loans may be further raised, the increase will not be too large. "However, different banks have different positioning for personal housing loan business, and the credit resources invested for this purpose are quite different, so there will be obvious differentiation in the loan interest rate. It is expected that the personal housing loan interest rate of large commercial banks will maintain a moderate upward trend." He said.

　　Implement differentiated housing credit policies

　　"In combination with recent policies, banks will adjust their credit structure in the future to reduce the credit resources occupied by the real estate industry and invest more credit funds in manufacturing, small and medium-sized enterprises and other fields encouraged by the state." Li Wanfu, an analyst at Rong 360 Big Data Research Institute, said.

　　At the same time, industry experts believe that commercial banks should continue to implement differentiated housing credit policies. Dong Ximiao said that we can start from four aspects. First, adjust the total amount of loans and reasonably determine the total amount of personal housing loans of banks; The second is to adjust the loan price and raise or lower the interest rate of individual housing loans; Third, adjust the loan conditions, tighten or relax the loan qualification conditions (including loan qualification and loan term) of the main body of the house purchase; The fourth is to adjust the down payment of loans and control the leverage ratio of buyers.

　　"In the next step, we should comprehensively use the above four means according to the different purchase areas and subjects, combining quantity and price, adjusting the total amount and price, meeting the rigid demand and restraining investment speculation, focusing on the present and guiding expectations, and implementing the differentiated housing credit policy." Dong Ximiao said.

　　Regarding the strict investigation of "down payment loan" by the regulatory authorities, Ceng Gang said: "Down payment is one of the means of bank risk control, because self-owned funds are an important standard to measure repayment ability. If the customer’s down payment is borrowed, then the bank’s risk exposure will be great. "

　　In addition, some experts have warned that paying attention to the entry of credit funds into the property market should not only focus on commercial banks and consumer finance companies. Various Internet lending platforms monitor the flow of funds less, and the proportion of entering the property market may be higher.

　　"We should continue to intensify the clean-up and rectification of various Internet platforms, and strengthen the monitoring of their lending business in terms of lending purposes and capital flow." Dong Ximiao said that monitoring the flow and use of credit funds is a long-standing problem for both financial institutions and Internet platforms. Relevant institutional measures should be revised to incorporate fictitious loan purposes and misappropriation of credit funds into the credit information system, increase the illegal cost of borrowers, and curb the illegal flow of personal credit funds into the property market from the source.

　　(Reporter Qian Wei Intern Zhang Ziyue)

Fashion,

Seems to be the most fickle thing in the world,

Last season’s fashion trends are just familiar to me.

Next season’s pop elements will follow immediately.

Fashion trends change every season,

But at the same time, fashion is a reincarnation.

Elements that were popular a long time ago may be warming up again today.

We often see something similar on the Internet.

"It turns out that the most fashionable ones are our grandmother and mother."

"Looking through mom’s closet,

You can see the fashion this year.

So,In a sense,

Fashion is a cycle after cycle.

For example, the beautiful national goddess Brigitte Lin,

The hard photos of the last century are still super amazing.

Sling v-neck jumpsuit,

Pure and sexy are just right,

With hairband and a little black bag,

Simple plain clothes and proper fashionistas,

And this kind of jumpsuit is very popular in recent years.

Anyone who doesn’t have one or two,

It’s really Out

Brigitte Lin also loves to wear heroic suits.

Capable, fresh and handsome.

And this neutral trend has been in the fashion circle in recent years.

Also cited by various big coffees,

Let us feel the elegance and handsomeness of women again.

Cycling pants are all the rage this summer.

From the street to the show,

Become a versatile item for fashionistas of all walks of life.

For elongate leg lines,

Highlighting the waist-hip-leg ratio plays an excellent role.

But did it occur to you,

The late princess Diana

I have already interpreted it to the fullest.

Princess Diana’s life is legendary,

And her dress style also leads the fashion trend.

Even today, it is still fashionable and bright.

This green wave tunic dress with white background is fresh and charming.

With a roll-up hat,

The neck is decorated with exquisite choker,

Any one is a popular style at present.

A generation of goddess Joey Wong, fashionable and temperament,

Her style has been madly imitated by girls.

As early as 30 years ago,

She has put on piles of socks and small white shoes.

And this kind of collocation is also popular in recent years.

Waist check jumpsuit suspender short skirt,

Fresh and sexy merger,

It’s still standard in summer,

There is always a reason why plaid elements are enduring.

After all, it’s so beautiful.

Fashion is like a cycle,

Many things that were popular in the past are immersed in it for a period of time.

Will return to the wave of fashion.

No matter how to pursue the latest things,

What remains in the end are the most classic elements.

Stripes have always been a popular element in fashion circles.

Never disappeared in fashion,

Never even dimmed,

Regardless of the times,

Sweeping the fashion circle regardless of season.

Striped shirts have appeared in Hepburn’s daily photos more than once.

Marilyn Monroe always wears sexy clothes,

Striped shirts are no exception.

Nowadays, more colors and styles are used.

The beauty of stripes remains the same.

Summer is the most exciting season to wear striped shirts.

Especially blue and white stripes,

Especially suitable for showing the vitality of summer,

Full of youthful and lively breath,

Age is reduced and there is a sense of closeness.

Striped Tee is the simplest and easiest item to build.

You can go out of the street with a pair of jeans or shorts at will.

Over size, hem knot, small dew shoulder

All kinds of wearing methods get up at will,

Easily add points to your look.

And for people who want to be thin,

Vertical stripes are the best choice.

Stretch the lines of the whole body,

Makes people look thin and straight,

Very good shape modification.

Don’t like large stripes,

It can also be decorated with only a small area.

Stripes on collars, cuffs and belts,

Can show personality very well.

No one will ask whether black and white collocation is popular.

Because it naturally exists in fashion.

I believe many people were killed 25 years ago,

This set of photos of Gong Li at the seaside in Cannes was amazing.

Black and white, seemingly simple,

But it has been amazing for decades.

Ms Chanel once said:

"I often say that black is all-inclusive, and so is white.

Their beauty is impeccable and absolutely harmonious.

At the dance,

Women in black or white are always the focus. "

A seemingly unchanging black and white match.

In fact, I have tried all kinds of styles and forms.

Although the combination of black and white is not as eye-catching as color items,

But it has always stood in the fashion world and never went out of fashion.

As the saying goes, less is more,

Black and white collocation just explains this.

People who like simplicity,

There must be an inherent feeling for black and white.

Black and white collocation,

Release different styles through different fabrics and styles,

Or fashionable and capable, or dignified and elegant,

The only constant is the innate sense of fashion.

Plaid is one of the classic English elements.

Since the 1950s and 1960s,

Plaid elements have already occupied the fashion circle.

In many old photos,

We have all seen those graceful girls,

Use plaid to interpret the elegance of that era.

Plaid is also one of Hepburn’s daily preferences.

The fresh plaid makes her feel girly.

Princess Diana is also a fan of plaid.

Different styles wear different temperament,

Show the nobility and sweetness of the royal family,

These clothes are full of fashion even now.

Until today,

Plaid is still the most representative fashion symbol,

Is a frequent visitor to the fashion trend every year.

Different patterns, sizes and combinations,

Give fashion unlimited possibilities.

Large plaid makes people look calm,

And the small plaid,

It looks more low-key and introverted.

A vintage plaid suit,

It should be a versatile must-have item.

With casual items,

Fresh and handsome, simple and stylish.

And dressed in plaid,

There will be a strong visual impact,

Combining formal and fashionable elements,

Let your temperament soar.

We often say that fashion is a cycle,

Because of the popular elements,

It always comes back in a different fashion.

That’s because,

True beauty has never been eliminated,

And the real classic,

Will make time last forever.

(The author of this article is Jianwen Consulting, a cross-border insight into the medical industry)

On the morning of November 28th, the responsible comrades of the Organization Department of the Central Committee attended the meeting of leading cadres in State Taxation Administration of The People’s Republic of China, and announced the central decision: Comrade Hu Jinglin was appointed as the Party Secretary of State Taxation Administration of The People’s Republic of China, and Comrade Wang Jun was removed from the post of Party Secretary of State Taxation Administration of The People’s Republic of China.

A short news of personnel appointment has aroused the attention of practitioners in the entire medical industry.

The Medical Insurance Bureau, whose administrative level is only the deputy ministerial level, has been deeply embedded in the medical and health field of China by virtue of its frequent medical insurance policies in the past five years, and even transformed and reshaped the behaviors of patients, hospitals, enterprises and other multi-stakeholders, and has become the leader of the linkage among the three hospitals in medical reform.

For Hu Jinglin personally, he was born in the financial system, and this time he can be said to return to the fiscal and taxation circle. As the first director of the National Medical Insurance Bureau, if you understand Hu Jinglin, you can understand the work of the National Medical Insurance Bureau in the past five years.

In the eyes of many medical insurance policy observers, the National Medical Insurance Bureau, as a super payer, has successfully completed the phased historical task of "controlling medical insurance fees" in the past five years with a number of policies, such as national talks, centralized procurement, payment mode reform, outpatient co-ordination and individual account reform. Today, the balance of medical insurance funds has exceeded 4 trillion yuan.

But at the same time, the relationship between medical insurance and pharmaceutical industry innovation still needs to be straightened out; After "changing cages for birds", the pace of medical service price reform is slightly delayed; Although medical insurance is forced to go upstream, which can generate great impetus, it is obviously unrealistic to rely solely on medical insurance.

All these call for the National Health Insurance Bureau to make greater achievements in the next five years.

The "tax collector" who broke into the medical system

According to the website of State Taxation Administration of The People’s Republic of China, Hu Jinglin is the Party Secretary of State Taxation Administration of The People’s Republic of China.

Time goes back to five years ago. On May 31, 2018, with the official unveiling of the National Medical Insurance Bureau, Hu Jinglin, who was born in the financial system, became the party secretary and the first director, and entered the medical field.

This appointment has surprised many people in the industry. Looking back now, in the early days of the establishment of the National Medical Insurance Bureau, in order to complete the task of "managing the medical insurance fund", it can be said that it is appropriate for the financial system official to serve as the director of the National Medical Insurance Bureau.

Zhu Hengpeng, director of the Public Policy Research Center of China Academy of Social Sciences, once pointed out that the raising of social medical insurance funds has a quasi-fiscal color, and at the same time, finance is responsible for the funds.

Before joining the National Medical Insurance Bureau, Hu Jing Lin had been deeply involved in the financial system for 20 years, and served as deputy director of the Property Appraisal Department of the Ministry of Finance, deputy director of the Economic Construction Department, director of the Economic Construction Department, chief of staff, assistant minister and deputy minister.

The experience of more than five years in the National Medical Insurance Bureau laid the foundation for Hu Jinglin to return to the fiscal and taxation system.

The aforementioned scholars in the field of public management said that the administrative leaders of various departments belong to policy posts, and they pay more attention to political quality and personal ability than familiarity with the industry, so that the incumbents can fully exercise their decision-making ability.

During his tenure as director of the National Medical Insurance Bureau, Hu Jinglin’s work style was also recognized by the outside world. A researcher in the field of medical insurance told Jianwen Consulting that Hu Jinglin was willing to listen to and absorb opinions from all sides, and his attitude was modest and polite, "unlike those technocrats".

He also revealed that he received many WeChat greetings from the director during the holidays. "This is absolutely not among the officials at the same level I have contacted."

Some observers believe that in the past five years, after the National Medical Insurance Bureau completed the task of "vacating cages", the core of the next step is to promote the task of "changing birds"-the reform of medical service prices. Shi Zihai, the current deputy director of the National Medical Insurance Bureau, is an expert in this field. He has been engaged in policy research in the National Development and Reform Commission for a long time and was once the director of the price department.

Not limited to "controlling fees", supporting innovation is the future direction.

"Through the coordinated development and governance of medical insurance, medical care and medicine, the win-win situation of’ people enjoying benefits, funds ensuring safety, hospitals developing and enterprises growing’ is taking shape."

In May of this year, Hu Jing Lin once commented on the work in the past five years at a series of news conferences on the theme of "the beginning of authoritative departments" held by the State Council.

Look carefully, medical insurance, medical care, medicine; The masses, funds, hospitals and enterprises, as the payer, the Medical Insurance Bureau, traced back to the lower reaches of the industrial chain and used the logic of managing money to connect the whole medical and health system in China, reshaping the medical and health pattern, just like throwing a big stone into an ancient well, which not only caused ripples, but also caused stormy waves.

Before the establishment of the National Medical Insurance Bureau, China’s medical care faced some problems: the adjustment time of medical insurance catalogue was not fixed, and it was only adjusted three times in 18 years, which was difficult for innovative pharmaceutical companies to predict; The drug price is artificially high, and the people’s medical burden is heavy; The logic of supporting doctors with medicine distorts the income structure of doctors; Payment by project is too extensive, excessive medical care is hard to avoid, and medical insurance funds continue to be under pressure.

This chaotic situation was gradually broken after the establishment of the National Medical Insurance Bureau, relying on frequent policies.

There are policies such as medical insurance negotiation, centralized procurement with quantity, reform of medical insurance payment method, individual account reform and outpatient co-ordination, all of which have not caused widespread debate and discussion in the industry and society. However, only by breaking the old system can we rebuild the new system on the ruins.

Specifically, there are some changes worthy of writing: promoting centralized procurement with quantity, the average price reduction of 333 drugs organized by the state is over 50%, and the average price reduction of 8 high-value medical consumables such as heart stents and artificial joints is over 80%; Together with local alliance procurement, the cumulative burden reduction is about 500 billion yuan. At present, the ninth batch of national procurement has included 41 drugs in the list, and the average price of the drugs to be selected is reduced by 58%. It is estimated that the annual drug cost can be saved by 18.2 billion yuan, and the fourth batch of consumables will also be opened this week.

The medical insurance catalogue has achieved "one adjustment per year", and 618 drugs have been added in five years. More than 80% of new drugs can now be included in medical insurance within two years of listing. The expenditure of medical insurance on new drugs increased from 5.949 billion yuan in 2019 to 48.189 billion yuan in 2022, an increase of 7.1 times. Among them, a considerable part of them are anticancer drugs and drugs for rare diseases. In addition, after reimbursement, the cumulative burden reduction for patients exceeds 500 billion yuan, which benefits thousands of families.

By November, 2023, there were 282 overall planning areas in China, accounting for 71% of all overall planning areas. The results are also quite remarkable. The data show that from January to March 2023, the average hospitalization expenses of tertiary public hospitals nationwide were 13,822.9 yuan, down by 0.8% at comparable prices, and the average hospitalization expenses of secondary public hospitals were 6,756.3 yuan, down by 1.4% at comparable prices.

After careful consideration of the above policies, we can find that the underlying logic is the efficient use of medical insurance funds, and a more rude summary is "controlling fees."

Under the control of Hu Jinglin, who was born in the financial department, the National Medical Insurance Bureau has done an excellent job in the management, use and control of medical insurance funds in the past five years. "The most important function of medical insurance is to manage the medical insurance fund", and Zhong Chongming, a medical insurance policy researcher, pointed out that this will also be the red line and safety line of the medical insurance bureau for a long time to come.

At present, although "controlling fees" is still the most basic requirement, it is not enough to complete it, and the constraint of simply controlling fees on the innovation and development of the medical industry has gradually emerged. Therefore, the next work of the National Medical Insurance Bureau may no longer be limited to simply "controlling fees".

In fact, this weather vane has begun to appear-the propaganda slogans such as "soul bargaining" commonly used in the early years have gradually withdrawn, the national mining cycle has been extended to four years, and the new national talks have also been described as "moderate". In the contact between Jianwen Consulting and industry professionals, it is also noticed that promoting the high-quality development of the pharmaceutical industry is now the direction that the medical insurance department wants to highlight.

Shanghai may have come to the front. At the end of July, Shanghai issued "Several Measures to Further Improve the Multi-payment Mechanism to Support the Development of Innovative Medical Devices" (referred to as "Several Measures"), which aroused heated discussions among practitioners in biomedicine, medical devices, commercial insurance and other fields and became the hottest topic in the medical device market in Shanghai at that time.

Xia Kejia, director of the Shanghai Municipal Medical Security Bureau, once said that the introduction of "Several Measures" is not only to promote the construction of a multi-level medical security system in Shanghai, to meet the diversified security needs of citizens, and to reduce the burden of medical treatment for the masses; It is also to improve the multi-payment mechanism of innovative medical equipment, guide good development expectations, and promote the high-quality development of biomedical industry and insurance financial industry in this city.

The industry hopes that the more such policies, the better.

In the next five years, how can medical insurance continue to "do its best"?

The industry expects that the funds saved by fee control should not only be used to support industrial innovation, but also be used to rationalize the price of medical services and correct the distorted income structure of medical staff.

Xu Yucai, a well-known medical reform expert, pointed out that "the biggest shortcoming of medical insurance reform in recent years is that the price reform of medical services is seriously lagging behind, and the price reform of medical services under the leadership of the Medical Insurance Bureau needs to be accelerated."

Previously, the state identified Ganzhou, Suzhou, Xiamen, Tangshan and Leshan as pilot cities for medical service price reform. Jianwen Consulting noted that in recent months, many places outside these five cities have also frequently adjusted the prices of medical services. However, compared with thousands of medical service price systems, there are still a few adjustments at present.

More importantly, it is an important link to be explored next whether we can shed the part of "rule by man" in medical service price adjustment and hand over the adjustment or not to the mechanism related to medical service price adjustment.

The price of medical services has remained unchanged for many years, which gave birth to the soil of selling with gold. The two have formed a fragile balance in practice, but now one end of the balance has been shattered and stands after breaking, and the other end needs to keep up quickly.

The five years since the establishment of the National Medical Insurance Bureau are also five years when the decision-making power of local medical insurance has been gradually weakened.

On the surface, the local medical insurance catalogue will gradually withdraw, and the local medical insurance equipment catalogue will gradually be unified in the future. The overall level of medical insurance funds has been continuously improved, and many provinces such as Jilin, Liaoning and Sichuan have shouted the slogan of provincial overall planning.

In the future, national overall planning may not be impossible. The authority of the local medical insurance department has been tightened continuously, and it has gradually changed to the agency.

Some scholars believe that the current reform direction is to improve the focus of medical insurance decision-making, standardize the decision-making power of governments at all levels, and establish a unified national medical insurance system.

From a deeper perspective, in recent years, conflicts and even lawsuits between private hospitals and local medical insurance bureaus are common. The contradiction between the two sides is also typical. Some local medical insurance bureaus think that private hospitals buy drugs and consumables at low prices and then report them to medical insurance at high prices, which actually reflects the different understanding of the authority of different local medical insurance bureaus. Nowadays, it has gradually become a consensus that medical insurance "cannot be stretched too long", and the law has also proved this with judgments.

The standardization of medical insurance information system provides objective conditions and possibilities for the concentration of medical insurance power, which is beneficial to the coordination of policies at all levels to some extent, but excessive concentration of power also weakens the regulatory power of local medical insurance in disguise. There are both advantages and disadvantages. Finally, judging whether the medical insurance power is concentrated in the central government is good or bad may be left to the future and reality.

In Zhong Chongming’s view, with the gradual development of medical insurance services and the continuous exploration of the direction of health insurance, medical insurance will inevitably go through the process from "managing money" to "managing some things and cooperating with more things", and in this process, corruption and inefficiency are still huge challenges.

The road to medical reform is long and arduous, although medical insurance has played a key and fundamental role, and even played a leading role in the process of joint reform of the three hospitals. However, limited by the scope of power of the medical insurance department, the medical insurance department can only "appeal", "guide" or even "force" the implementation of some specific medical reform policies, but the real executor is "someone else".

In some places, it is difficult for the medical insurance department and the health care department to work together. In the absence of a strong and effective coordination mechanism, as the medical reform enters the deep water area, the road of "crossing the river by feeling the stones" has become more challenging.

"No matter how the linkage between the three hospitals evolves and how healthy China develops, we should always uphold’ reform is the brightest background of the medical insurance banner’." Zhong Chongming said.

(The author of this article is Jianwen Consulting, a cross-border insight into the medical industry)

This article only represents the author’s point of view.