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Can genetic testing really "spoil" life by predicting diseases and discovering children’s talents?

  Core reading

  With the progress of technology and the sharp drop of cost, genetic testing has gradually moved from biomedical laboratory to clinic and approached the life of the general public. Under the reputation of "genetic testing can predict diseases" and "genetic testing can discover children’s talents", many institutions have also launched related services. What is the value of genetic testing? How can we make better use of and effectively supervise emerging technologies? Our reporter launched an investigation.

  Can cure all diseases?

  It can accurately detect and diagnose genetic diseases, but it is not suitable for all diseases.

  Ms. Li, who lives in tianqiao district, Jinan, Shandong Province, recently had a genetic test during pregnancy. "I am an elderly pregnant woman, afraid that my baby is unhealthy, and I will have a prenatal examination in strict accordance with the doctor’s requirements." Ms. Li introduced that at the 20 th week of pregnancy, the doctor found that the child’s development was abnormal through B-ultrasound. After non-invasive peripheral blood genetic screening, the fetus’ chromosome 21 was abnormal, and the risk of Down’s syndrome was high. Then the amniocentesis was diagnosed, and Ms. Li had to endure the pain to terminate the pregnancy.

  "Prenatal examination can find out whether the fetus carries a mutant gene that will cause serious diseases after birth. If so, parents can choose to terminate pregnancy and achieve prenatal and postnatal care." Zhang Hongbing, a professor at the School of Basic Sciences of Peking Union Medical College, told reporters that from a clinical point of view, genetic testing is to check the sequence of genes and compare them with the parameters of healthy people to see if these sequences have changed. If there are any changes, find out the mutated genes that can cause diseases, so as to judge whether the subjects are sick, such as some genetic diseases.

  "Genetic testing does have high medical value." Yang Ling, president of Beijing Jiyinjia Technology Co., Ltd. believes that the pathogenic genes of many genetic diseases are very clear, and genetic diseases can be accurately found and diagnosed through genetic testing. After the patient is diagnosed, he can receive targeted treatment, so as to control the disease and reduce the pain caused by blind medical treatment.

  So, can genetic testing detect all diseases?

  "Genetic testing is not so ‘ God ’ 。” Zhang Hongbing said that genetic variation does not necessarily lead to diseases, and some genetic variations only indicate that individual traits are different, for example, two people look different. Medically speaking, most diseases have nothing to do with heredity, but are caused by external conditions and acquired physical changes of patients. Take breast cancer as an example, only 5% patients have a family history.

  Yang Ling believes that whether genetic testing is effective depends on specific diseases and their scientific evidence and data accumulation. Complex diseases, such as hypertension, diabetes and heart disease, have little to do with genes, so it is difficult to predict and diagnose diseases by genetic testing.

  At present, the mainstream clinical genetic testing institutions are doing some genetic mutation tests that will cause diseases, rather than those illusory correlation tests. To judge whether gene mutation will cause diseases, analysts who need gene testing have high judgment level, medical knowledge and clinical experience.

  Can you test your talent?

  The "natural gene" test is not reliable, and it is suspected of cheating and speculating on the concept.

  "I heard that the current genetic testing technology can detect children’s talents. I want to discover my son’s talent early, so as to cultivate him in a targeted manner. " Ms. Yang, who lives in Chaoyang District, Beijing, recently spent more than 5,000 yuan on a "natural gene" test for her 2-year-old son. Ms. Yang said that after placing an order for payment from an e-commerce platform, she received a sampling tool from the testing institution two days later, collected oral cells from her son according to the instructions, and then sent them to the testing institution. In less than 20 days, she received a beautifully made test report.

  "The test report is more than 50 pages thick, with a large number of data forms and English words, and many of them are incomprehensible." Ms. Yang said that the contents of the report include artistic expertise, IQ, sports expertise, personality tendency, etc. After each test, dietary advice and future career development direction are indicated.

  The reporter’s investigation found that several e-commerce platforms sell "natural gene" testing services, and the price per order ranges from 2,000 yuan to 60,000 yuan. Among them, more than 60,000 yuan of genetic testing business claims to be tested by overseas institutions, which can not only test children’s health, such as body development and disease risk, but also test children’s talents, such as sports potential, artistic talent and learning ability. The operation is very convenient. After the arrival of the goods, use the testing tool to sample and send it back to the testing institution, and you can receive the testing report after a period of time.

  Can genetic testing really "calculate" the child’s talent?

  "With the current level of science and technology, ‘ Natural gene ’ The test is not reliable, and it is suspected of abduction and speculation, and the fees are very high. " Zhang Hongbing told reporters that the detection of "natural genes" is based on the association analysis of genes, and the association analysis only shows a very slight possibility. Testing institutions have expanded it, turned specious things into facts and turned it into various "natural genes", such as music genes and art genes.

  In fact, it is impossible to give an accurate answer by the current level of science and technology. Relevant experts explained that, for example, IQ is closely related to genes, but IQ is determined by thousands of genes. From the perspective of gene sequencing, it is difficult to detect someone’s IQ talent. On the contrary, it is completely detectable that a gene mutation leads to a low IQ, such as Down syndrome and tuberous sclerosis, but this is the application of genetic testing in medicine.

  How to be more orderly?

  Both support protection and reasonable supervision, calling for unified standards.

  With the progress of science, genetic testing has become a very important means to detect and diagnose diseases in clinic. From the first human genome sequencing research cost more than 3 billion dollars to several thousand yuan now, the cost of genetic testing has been greatly reduced, and ordinary testing institutions can also complete it, so some speculators have emerged to speculate on the concept of genetic testing to make money.

  "At present, most enterprises in the genetic testing industry are seriously doing genetic testing projects, but there are also enterprises that are not standardized and rigorous." Yang Ling believes that genetic testing is a new industry with high technical threshold and lagging supervision. The clinical application of genetic testing should be supervised according to medical devices and diagnostic reagents, and there should be strict access standards for laboratories, testers and reagents.

  "Some e-commerce platforms are publicly sold ‘ Natural gene ’ Detecting services, which in itself indicates that there are loopholes in management. " Yang Ling said that legal genetic testing requires four qualifications: medical qualification, employee qualification, project qualification and reagent qualification. The "natural gene" testing service has no project qualification and should not appear in the market. In the United States, this kind of genetic testing only stays in the laboratory research stage, and it is forbidden to enter the market to make money.

  "The government should support the protection and reasonable supervision of the genetic testing industry." Zhang Hongbing believes that the application of genetic testing in new non-clinical fields is still in the stage of laboratory research and data accumulation. If they are supervised too strictly and restricted too much, it may hinder the development of technology. Genetic testing in reliable fields such as genetic diseases, tumors, and prenatal examination should be vigorously supported, while behaviors that make profits under the banner of genetic testing without scientific basis, such as measuring talent and knowing life and death, should be severely cracked down.

  Genes are the basic factors of life. With the development of life science and computer technology, genetic testing will be applied more and more in clinical practice, and its quality and credibility will be higher and higher. Experts in the industry said that at present, China still lacks the technical standards and market access standards of genetic testing companies, and the relevant technical means of various institutions are quite different, and the level is uneven. It is urgent to establish unified standards, such as technical standards, reagent standards and charging standards, to promote the safe, orderly and reliable development of the industry.

  ■ Reporter’s Notes

  The application of new technologies urgently needs innovative supervision.

  In recent years, new technologies in the medical field, such as genetic testing and Internet medical care, have been applied continuously, allowing people to enjoy the health benefits brought by technological progress. The reason why new technology is "new" is because it has just appeared, there are still immature places and it is not well known by most people. Some speculators in the market can easily use information asymmetry to swindle and swindle under the banner of new technology. Many people are gullible, which may lead to a loss of money and a serious impact on their health.

  The application of new technologies requires innovative supervision by relevant departments. We can neither let go, let the market grow wildly, nor control it to death, and restrain the development momentum of new technologies. It is necessary to evaluate the application of new technologies in a timely manner, and distinguish which are deterministic achievements and which are still in the testing and research stage. In view of the former, relevant standards should be formulated to make it develop steadily and healthily. For the frontier applications in the testing and research stage, we should standardize their operation and strictly prohibit them from entering the market in order to maintain a healthy and orderly market environment.

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A short-term local rainstorm in Fuyang, Hangzhou caused flash floods and caused casualties. The local authorities are making every effort to rescue them.

CCTV News:According to WeChat official account news released by Fuyang,On July 22 ndAs late as the early morning of the 23rd, short-term heavy rainfall in Fuyang District of Hangzhou triggered flash floods and caused local landslides and mudslides, involving Dayuan Town, Shangguan Township and Evergreen Town. As of 14: 00 on July 23, a total of 5 people died and 3 people lost contact (still in the process of search and rescue); There were 32 mountain torrents in small watersheds, 144 geological disasters, 26 dilapidated houses damaged or collapsed, 1,619 households affected by power outage, 42 vehicles flooded and 21 roads were interrupted.The Flood Control and Drought Relief Headquarters of Fuyang District People’s Government informed the latest situation, as follows.

 I. Heavy rainfall

  First, short-term heavy rainfall. Since the rainfall monitoring point was set up in Fuyang District in 1955, the maximum rainfall per hour is 83.5mm.. This short-term heavy rainfall is extremely rare. From the evening of July 22 to the early morning of July 23, the rainfall in the whole region was 26.1 mm, the largest being 209 mm in Shijia Village of Dayuan Town, followed by 169 mm in Dasheng Village of Shangguan Township. Among the top ten stations with rainfall, there are 4 in Dayuan Town, 4 in Shangguan Township and 2 in Evergreen Town. Among them, the four rainfall monitoring stations in the border area of Shangguan Township, Dayuan Town and Evergreen Town exceeded the historical maximum rainfall per hour, namely 112.4 mm in Dasheng Village of Shangguan Township, 95.7 mm in Fangcun Village of Shangguan Township, 94.5 mm in Shuangxi Village of Evergreen Town and 88.8 mm in Shenli Village of Shangguan Township.

  Second, the rainfall area is concentrated. Affected by short-term heavy rainfall, due to the narrow mountainous area at the junction of the three towns, the rainwater was collected very quickly, and the short-term rainfall was collected in the river at the first time. The instantaneous flow of Evergreen Creek, Shangguan Section of Tunxi and Luocun Qingong Section of Shijiacun Village of Dayuanxi was huge, and the main roads (including provincial and county rural roads) in Dayuan, Shangguan and Evergreen areas were flooded for 73.6 kilometers. According to the on-site witness and video playback, the river surged instantly, and the flooded level of villages and factories on both sides of the river rose by 1.5-2 meters in 10-15 minutes, accompanied by the collapse of many roads, which seriously blocked traffic and prevented vehicles and pedestrians from entering and leaving for nearly 2 hours.

  Second, the emergency response

  Provinces and cities attach great importance to Fuyang’s short-term emergency rescue response to local rainstorm. The main leaders of the provincial party committee and government, the municipal party committee and municipal government gave instructions at the first time, and the executive vice governor of the provincial government, the mayor of the municipal government, the executive vice mayor and relevant departments of provinces and cities went to Fuyang to guide the emergency rescue work. All the people in the whole region are United and go all out to rescue:

  The first is to implement upgrading control. On July 22nd, Fuyang Meteorological Bureau issued yellow, orange and red rainstorm warnings at 15: 44, 17: 03 and 17: 34, respectively, and the flood control emergency response was launched in an all-round way. The main responsible persons of the district committee and government went to Shangguan and Dayuan to conduct on-site command, and the relevant responsible persons of the district defense index went to the district emergency command center to take command and coordinate various rescue work.

  Second, the strength sinks. 609 rescue teams, including district-level comprehensive rescue, fire rescue, emergency rescue of five state-owned enterprises’ platforms, public security, transportation and medical care, with a total of 6,230 people, involved 1,536 people in dangerous areas, including 695 people in Shangguan Township, 236 people in Evergreen Town, 525 people in Dayuan Town, and 80 people in towns and villages such as Longmen and Huyuan.

  The third is to work together to rescue. Cadres and villagers at all levels in party member fought all night to carry out personnel search and rescue, emergency repair of power communication, etc. Eleven tourists were trapped in Longmen Mountain, and all the trapped people were rescued and safely sent away at 20 pm on the 22nd. Xiner Village in Huyuan Township has a large amount of water, with 100 meters of roads washed away and 48 farmers trapped. At present, all the people have been safely relieved. Some houses and factories in Xinguan, Qikou, Luocun, Qingong, Qingshan, Sanling, Shijia and other villages in Dayuan Town were flooded, and 7 houses collapsed, and all the personnel were transferred in advance. Other towns and streets in the region are currently in a stable flood situation.

  Third, the next step of work measures

  First, fully organize flood fighting and disaster relief work. Concentrate on disposal, set up five working groups including personnel transfer, disposal and rescue, and clearing obstacles, and do a good job in personnel search and rescue and related disposal; The implementation should be completed, and the towns and streets should pre-judge and mobilize the personnel who should be transferred to small watersheds, geological disasters and dilapidated houses within their jurisdiction. From 7: 00 on July 23, the corresponding personnel should be reported every hour to ensure the safe transfer of personnel in dangerous areas; Strengthening emergency duty, cadres and workers in the whole region devoted themselves to flood control and disaster relief. Among them, district leaders sank into the town street according to the contract system and carried out supervision and guidance on the transfer and prevention and control.

  The second is to fully search and rescue the lost personnel. Fuyang Branch of the Municipal Public Security Bureau took the lead, and the professional rescue teams of various departments and the comprehensive rescue forces of towns and villages went all out to do a good job in search and rescue, and implemented the control of the affected areas and surrounding areas, so as to prevent the occurrence of secondary disasters while doing a good job in personnel search and rescue.

  The third is to fully carry out post-disaster repair and reconstruction. District Transportation Bureau, district power supply company and district mobile operation company arrange emergency rescue teams to rush to the scene 24 hours a day to do a good job in post-disaster repair and reconstruction. Among them, the District Transportation Bureau focuses on the emergency repair of damaged road sections, while speeding up the transportation and cleaning of roads, and stepping up inspections of roads, water and projects under construction to ensure the improvement of emergency response efficiency and safe and smooth transportation.

  The fourth is to fully protect the lives of the affected people. Immediately carry out the nuclear disaster, do a good job in continuing to report the disaster, start the disaster response, organize relevant departments and local towns to carry out post-disaster self-help and reconstruction, and ensure timely and sufficient food, clothing and accommodation for the people affected by the collapse of houses. Quickly carry out epidemic prevention and disinfection to prevent the spread of infectious diseases after disasters and ensure the safety of people’s lives and property.

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The Ministry of Commerce interprets three policy measures to stabilize foreign trade.

CCTV News:Affected by the global epidemic, from January to February, China’s import and export, export and import decreased by 9.6%, 15.9% and 2.4% respectively. At present, foreign trade enterprises generally face problems such as cancellation or postponement of orders in hand, difficulty in signing new orders, and poor logistics and transportation. Today (10th) afternoon, the joint prevention and control mechanism of the State Council held a press conference at the State Council Office. Ren Hongbin, Assistant Minister of Commerce, introduced that in order to cope with the impact of the epidemic on foreign trade, the the State Council executive meeting on April 7th put forward a series of policies and measures to stabilize foreign trade, including adding a comprehensive cross-border e-commerce test zone, supporting the development of processing trade, and holding an online Canton Fair.

Ren Hongbin, Assistant Minister of Commerce:First, add a number of cross-border e-commerce comprehensive experimental zones. Since 2015, the State Council has set up 59 cross-border e-commerce comprehensive test zones in four batches. In 2019, China’s cross-border e-commerce retail import and export volume reached 186.21 billion yuan, five times that of 2015, with an average annual growth rate of 49.5%.

At present, traditional foreign trade has been severely impacted by the epidemic, and it is necessary to further develop the unique advantages of cross-border e-commerce. On April 7th, the State Council decided to set up 46 new comprehensive test areas, and with 59 approved, there will be 105 comprehensive test areas in China, covering 30 provinces, municipalities and autonomous regions, forming a development pattern of land and sea linkage and mutual assistance between east and west. The comprehensive test area will continue to carry out pilot tests, and apply policies and measures such as cross-border e-commerce retail export tax and retail import supervision.

Second, support the development of processing trade. Reduce the domestic sales cost of enterprises. When bonded materials or finished products of processing trade enter the domestic market for sale, import link tax shall be levied according to regulations, but deferred tax interest shall be temporarily exempted until the end of the year. Expand the pilot of selective taxation in domestic sales. We will expand the pilot project of processing trade enterprises choosing to pay tariffs on imported materials or finished products for domestic sales to all comprehensive bonded areas, so as to reduce the actual tax. Optimize the structure of processing trade. Accelerate the revision of the catalogue of industries that encourage foreign investment, promote the high-quality development of manufacturing industry, and enhance the ability of the central, western and northeastern regions to undertake industrial transfer. Expand the scope of commodity access. Some products that are in line with the industrial development policy and no longer belong to "two highs and one capital" are excluded from the prohibited category of processing trade.

Third, the online Canton Fair was held for the first time. Traditionally, the annual spring Canton Fair opens on April 15th. On April 7th, the the State Council executive meeting decided that the 127th Canton Fair would be held online in the middle and late June. This online Canton Fair will mainly include three parts: online display docking platform, cross-border e-commerce zone and live marketing service, and continue to give full play to the advantages of trade fairs. Provide online promotion, supply and procurement docking, online negotiation and other services for exhibitors and buyers, so that Chinese and foreign merchants can place orders and do business without leaving home and make positive contributions to the stability of world economy and trade together.

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The latest real car map of Xiaomi YU7 reveals the interior and power details.

The pictures and videos of the first SUV model YU7 of Xiaomi Automobile have been widely circulated on the Internet recently. The latest exposure shows the door, tailgate and some interior design of the car. As can be seen in the video, YU7 adopts a hatchback tailgate design, and is equipped with frameless windows and frameless exterior rearview mirrors, which are similar to SU7.

The hidden door handle is a highlight of YU7. It can be automatically put into the door after the vehicle is unlocked, and the user can easily open the door by putting his hand into the door handle. This design not only reduces the wind resistance, but also provides the convenience of traditional door handles.

Although the interior is covered with heavy camouflage, the orange steering wheel and the large central control panel on the center console are still very conspicuous. The new car is expected to be equipped with a front-end display screen to further enhance the technological atmosphere inside the car.

In terms of power, according to the previous declaration information, YU7 will provide single-motor rear-drive and dual-motor four-wheel drive versions. The motor power of the single motor version is 235kW, and the lithium iron phosphate battery of Taizhou Fudi Battery Co., Ltd. is adopted. The maximum power of the front and rear motors of the dual-motor version is 220kW and 288kW respectively, and the maximum speed can reach 253km/h, equipped with ternary lithium-ion batteries from Contemporary Amperex Technology Co., Limited.

Xiaomi YU7 is expected to be officially launched in June 2025. It is widely speculated in the industry that its starting price will be around 250 thousand yuan, and the price of the top version may exceed 300 thousand yuan.

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The large-scale continuous high temperature weather in the south has basically ended, and the high temperature has set a new record this summer.

Core reading

At present, the large-scale continuous high temperature weather in the south has basically ended. The unusually strong subtropical high in the western Pacific is the most direct cause of the high temperature weather this summer. This is related to the general trend of global warming, and also to the abnormal SST in the northwest Pacific Ocean on the seasonal scale.

At 18: 00 on August 30, the Central Meteorological Observatory lifted the yellow warning of high temperature, and the large-scale continuous high temperature weather in the south basically ended. This round of high temperature is the strongest comprehensive high temperature since there was a complete meteorological observation record in 1961, and its duration, range above 40 degrees Celsius and extremes have set a new historical record.

This year, the western Pacific subtropical high is extremely strong, which is the most direct cause of persistent high temperature weather. What is a subtropical high? Why is the subtropical high in the western Pacific unusually strong this year?

The anomaly of subtropical high is the most direct cause of persistent high temperature weather.

Recently, Sichuan Basin, Shaanxi, Chongqing and other places have continuously ushered in heavy precipitation, and the high temperature has finally subsided.

This summer’s high-temperature heat wave event started early, lasted for a long time, affected a wide range and had strong comprehensive intensity. Meteorological monitoring shows that from June 13th to August 30th, the regional high temperature event lasted for 79 days, covering more than 5 million square kilometers. There were 23 provinces with high temperatures above 40 degrees Celsius, and the daily maximum temperature of 366 national weather stations reached or exceeded the historical extreme.

Due to the long duration of high temperature, some rivers dry up during the main flood season. In the Yangtze River basin, the water levels in many places have been the lowest in the same period since the record was set, and Dongting Lake and Poyang Lake "dried up" ahead of schedule. At the same time, high temperature weather has also brought various adverse effects to people’s production and life, such as the surge in demand for electricity, the decline in hydropower production, the obstruction of agricultural production, and forest fires.

Chen Tao, the chief forecaster of the Central Meteorological Observatory, said that this year’s western Pacific subtropical high has a large range and strong intensity, which is the most direct cause of persistent high temperature weather. Under its control, the southern part of China is controlled by downward flow as a whole, with clear skies and partly cloudy. During the day, under the influence of sunshine radiation, the near-surface heating is intense, and the hot air stays on the ground, which can’t be blown away or dispersed, so there is a wide range of persistent high temperature weather.

Not only in China, but also in the northern hemisphere this summer, the western Pacific subtropical high, the Atlantic subtropical high and the Iranian high have all been strengthened in stages, forming a large-scale global warm and high-pressure belt and forming high-temperature weather in many parts of the northern hemisphere.

"The occurrence of high-temperature heat wave events in summer is normal from the perspective of climate state. However, the duration, intensity and influence range of this summer’s high-temperature heat wave event have reached a super level. " Chen Lijuan, chief forecaster of National Climate Center, analyzed that persistent atmospheric circulation anomaly is the "culprit" of persistent high temperature. This year, the western Pacific subtropical high is unusually strong and extends westward, and the west reaches the eastern part of the Qinghai-Tibet Plateau. At the same time, the southern and northern boundaries of the subtropical high are both extended, and the area is very large. In summer, the high temperature events in most parts of southern China last for a long time, and the end time is obviously later than normal.

The strong subtropical high zone blocks the transport of water vapor from the low-latitude ocean to the south.

What is the subtropical high? Why does it often appear in high temperature and summer events? Why is it so powerful this year?

Zhang Daquan, a senior engineer in the Climate Prediction Office of the National Climate Center, said that the well-known subtropical high generally refers to the subtropical high in the northwest Pacific Ocean in the northern hemisphere, which has a great impact on China. It exists all the year round and is located in the middle and lower troposphere of the atmosphere. It is a stable and warm deep system with little movement. Due to the strong solar radiation in the equatorial region, the atmosphere is heated up and flows to the north and south poles with lower temperature. Under the influence of the earth’s rotation, it settled around 30 degrees north and south latitude, and then the air flow returned to the equator, forming an atmospheric circulation circle called Hadley circulation. The subtropical high is formed when the airflow sinks in the subtropical area near 30 degrees north and south latitude.

Affected by land and sea distribution and other factors, the subtropical high belt in the northern hemisphere splits into several high-pressure units, namely, the North Pacific High, the North Atlantic High and the Iranian High. Among them, the western part of the North Pacific High-the Western Pacific Subtropical High has an important impact on China’s weather and climate, and its staged "northward jump" is directly related to the start and end time of the rainy season and the location of the rain belt in the eastern monsoon region of China, while abnormal advance and retreat and stable maintenance are important factors leading to abnormal weather and climate in China. After the "Meiyu" every year, the main body of the West Pacific subtropical high directly controls the middle and lower reaches of the Yangtze River, and the downward flow leads to sunny and hot partly cloudy, with strong solar radiation, which usually leads to high temperature and summer drought.

This year, the subtropical high is extremely strong, resulting in continuous high temperature and little rain in the Yangtze River basin, which is more and stronger than the perennial high temperature and summer drought weather. From the perspective of influencing factors, on the one hand, it is related to the overall trend of global warming, on the other hand, it is also related to the thermal anomaly of the Qinghai-Tibet Plateau, La Nina phenomenon and SST anomalies in the Indian Ocean and the Northwest Pacific Ocean on the seasonal scale.

This summer, the heating effect of the Qinghai-Tibet Plateau was remarkable. The South Asian high over the Qinghai-Tibet Plateau was unusually strong, and the West Pacific subtropical high strengthened its westward extension and opened up with the Iranian high in the west of the plateau. The strong subtropical high zone blocks the transport of water vapor from the low-latitude ocean to the southern part of China, and the area controlled by the subtropical high continues to have high temperature and little rain. Judging from the marine conditions, this summer is in La Nina state, the SST in the equatorial Middle East Pacific is abnormally low, and the SST in the western Pacific and the South China Sea is high. The tropical SST anomaly is conducive to the strong and large subtropical high in the west Pacific through the air-sea interaction, which leads to a wide range of high temperature this year, including Huanghuai, Jianghan, Sichuan and Chongqing.

Raise awareness of adapting to climate change and actively respond.

Chen Lijuan believes that the extreme characteristics of high temperature events this year are closely related to the background of climate change.

The sixth assessment report of the United Nations Intergovernmental Panel on Climate Change (IPCC) pointed out that under the background of global warming, many extreme weather and climate events have been observed since the middle of the 20th century, among which the frequent occurrence of high-temperature heat waves is a very significant feature.

"This is a warning to us, prompting us to have a deeper understanding of climate change and improve our ability to adapt to climate change in all aspects." Zhang Daquan said, "In recent years, China’s ability to cope with climate risks and reduce and prevent disasters in agricultural production, floods and architectural design has been improving. On the other hand, we should also raise the awareness of the whole society to adapt to climate change, use climate prediction products to cope with climate risks in advance, and strive to minimize social and economic impacts and losses. "

Experts explained that in the context of climate warming, this summer’s high-temperature heat wave broke the historical record and has certain extremes. However, from the perspective of climate periodicity, because the earth’s climate system has self-regulation function, the increase in the probability of extreme events does not mean that the same type of extreme events will occur every year.

On the other hand, with the development of social economy, the demand for meteorological services by the country and all walks of life is increasing, which requires meteorological departments to further improve the accuracy of forecasting, and at the same time expand the forecasting objects to the downstream, and develop climate risk forecasting based on disaster risk assessment, so as to facilitate decision-making departments and the public to deal with climate change more scientifically and effectively.

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The Interim Measures for the Administration of Online Intermediary Service Supermarket in Guangdong Province was issued. Intermediary service agencies will be suspended from serving the portal website

  Building a province-wide online intermediary service supermarket is a key reform task defined by the provincial party committee and government in 2018, and now the province-wide online intermediary service supermarket has been officially put into operation. The reporter learned from the website of the provincial government on the 14th that the Interim Measures for the Administration of Online Intermediary Service Supermarkets in Guangdong Province (hereinafter referred to as the Measures) was officially issued by the general office of the provincial government.

  The intermediary supermarket referred to in the Measures refers to a comprehensive information service and credit management platform for online transactions of various intermediary services in the province, which provides services for project owners to purchase intermediary services, intermediary service agencies to undertake intermediary service projects, and industry authorities to supervise relevant units and personnel.

  According to the relevant person in charge of the Provincial Public Resource Trading Center, from June 20 to October 31, 2018, the online intermediary service supermarket has issued four invitations for intermediary agencies to settle in, and a batch of mature agencies have settled in, promoting the national intermediary service agencies to settle in the intermediary supermarket in batches. By the end of December 2018, 52 types of intermediary services had been released, with a total of 1,684 intermediary service organizations and 1,276 project owners stationed in intermediary supermarkets.

  Intermediary service projects include financial capital projects and social capital projects. The "Measures" pointed out that financial capital projects refer to intermediary service projects purchased with financial funds, which are outside the centralized procurement catalogue of the government and do not meet the procurement quota standards. For all financial capital projects, the project owner must select an intermediary service agency in the intermediary supermarket, unless otherwise stipulated by laws and regulations. Social capital project refers to the intermediary service project purchased with social capital, and the project owner selects the intermediary service agency in the intermediary supermarket according to the principle of voluntariness. Encourage social capital project owners to independently select intermediary service agencies through intermediary supermarkets.

  How do project owners openly select intermediary service agencies in intermediary supermarkets? The Measures lists five main methods, including selection by merit, direct selection, bidding selection, random selection and other public selection methods confirmed by provincial intermediary supermarket management institutions and operating institutions.

  If an intermediary service institution has a general dishonesty in an intermediary supermarket, the intermediary supermarket management institution shall suspend the intermediary service institution from participating in undertaking intermediary services for 3 months; If there are two acts of general dishonesty within one year (not counting the time of suspension of service), their participation in undertaking intermediary services will be suspended for 6 months; Within 2 years (not counting the time of suspension of service), if there are three general acts of dishonesty or serious acts of dishonesty, they will be removed from the intermediary supermarket.

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The fuel-efficient king still has to choose it. Should Mercedes EQE buy it?

Comfort configuration is often linked to the quality of a car. Of course, the higher the comfort configuration, the more pleasant the passenger experience, which can give the car a higher evaluation. What xiaobian brought today is. Not much to say, let’s take a look.

First of all, from the appearance, the Mercedes-Benz EQE front shape has taken a cool route and looks very elegant. Coupled with avant-garde headlights, the visual effect is extremely impactful. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, automatic steering, delayed closing and so on. Coming to the side of the car body, the size of the car body is 4969 mm * 1906 mm * 1514 mm. The car uses sharp lines, and the side circumference looks very cold. With large-sized thick-walled tires, it looks full of sports. In the rear design, the rear line of Mercedes EQE is fashionable, and the taillights are full of design style, which is very simple.

Coming into the car, Mercedes-Benz EQE interior presents a hard-core design style, which is very in line with the tastes of young consumers. The car looks very good outside the steering wheel, made of leather, and has a full and delicate grip. From the central control point of view, the car is equipped with a stable and atmospheric touch OLED central control screen, which makes the interior design quite layered and the details are still in place. The dashboard and seats are also eye-catching, and the shape has taken the sports route. The car uses a leather-like seat, and the seat is wrapped in place, which is very comfortable to ride.

Mercedes-Benz EQE matched gearbox, 215KW, 556N.m, with good power performance.

Mercedes-Benz EQE is equipped with car networking, driving mode selection, remote control key, interior atmosphere light, traction control (ASR/TCS, etc.) and other configurations, which is worthy of praise.

To sum up: such a car with the right price is enough to meet the daily practical needs, and it doesn’t take much thought to maintain it at ordinary times, and the price is good.

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Technical School | Taiwan Province’s "Tajiang" ship was delivered in advance, and the so-called "aircraft carrier killer" was not worthy of the name.

According to media reports in Taiwan, China, the first ship of Taiwan’s "Tajiang" class missile patrol ship "Tajiang" was delivered ahead of schedule on July 27th.

Taiwan’s "Central News Agency" reported that Taiwan’s defense department said that in order to cope with the frequent cruises of PLA military aircraft, it was originally planned to complete three "Tajiang" ships in 2025. After coordinating with Longde Shipyard, it was changed to complete the operational evaluation this year and complete six ships by 2023. At present, one can be delivered soon, so the progress is ahead of schedule.

Taiwanese media said that the "Tajiang" class patrol ship is the "carrier killer" of the Taiwan military, and it is an effective asymmetric combat force for the Taiwan military to "defend and stick to it".

So, what is the combat power of the "Tajiang" class patrol ship? Is the title of "aircraft carrier killer" worthy of the name?

The first ship of "Tajiang" class missile patrol ship "Tajiang".

From "Tuojiang" to "Tajiang"

The "Tajiang" class is an upgraded version of the "Tuojiang" class ship, and the first ship of the "Tuojiang" class "Tuojiang" was delivered in December 2014. The name "Tuojiang" is to commemorate the gunboat "Tuojiang" which was destroyed and scrapped by the People’s Liberation Army in the naval battle of Liaoluowan on September 2, 1958 (Tuojiang is a tributary of the upper reaches of the Yangtze River in Sichuan).

"Tuojiang" is 60.4 meters long and has a full displacement of about 600 tons. It is a wave-piercing catamaran with stealth design, and its maximum speed can reach 38 knots. Although the "Tuojiang" has a displacement of only about 600 tons, it has piled up a large number of weapons, including a MK-75 76 mm naval gun, a MK-15 "dense array" near defense system, two MK-32 triple-mounted 324 mm torpedo launchers, four 12.7 mm machine guns, and eight anti-ship missiles of Xiongfeng 2 and Xiongfeng 3. It can be said that

However, the "Tuojiang", which has high hopes, has exposed some problems in sea trial and use, such as insufficient buoyancy, excessive vibration during navigation and greatly reduced speed. It has been rumored many times that the towed array sonar of "Tuojiang" is affected by the high vibration and noise generated by the hull during navigation. Although the Taiwan navy denied it many times, the subsequent mass-produced "Tajiang" class missile patrol ship cancelled the towed array sonar and anti-submarine torpedo launcher.

During the sea trial and use, the "Tuojiang" exposed some problems, such as insufficient buoyancy, excessive vibration during navigation, and greatly reduced speed.

As a mass production type of the "Tuojiang" class missile patrol ship, the "Tajiang" started construction at Longde Shipyard on May 24, 2019 and was launched on December 25, 2020. The word "Tower" in the name of the ship "Tajiang" is taken from Wataxi in Taitung County and matched with the word "Jiang" in the naming pattern of Taiwan patrol ships, which is another manifestation of Democratic Progressive Party authorities’ "going to China".

Compared with the "Tuojiang", the length of the "Tajiang" class is increased to 65 meters, the width is increased to 14.8 meters, the full-load displacement is increased to 685 tons, the draft is 2.1 meters, and the endurance is reduced from about 2,000 nautical miles of the "Tuojiang" to about 1,800 nautical miles. Structurally, the "Tajiang" class changed the bottom of the two pieces of the hull under the waterline of the "Tuojiang" from V-shape to U-shape, and adjusted the shape of the bridge, cab, mast, etc., and moved the position of the smoke outlet from the vicinity of the outboard waterline on both sides to two meters above the inboard waterline to enhance concealment.

In terms of weapons and equipment, there are many changes in the Tajiang class compared with the Tuojiang class: the anti-submarine torpedo launcher is cancelled, the number of Xiongfeng 2 and Xiongfeng 3 anti-ship missiles is reduced to 8 and 4 respectively, and 16 Haijian 2 medium-range ship-to-air missiles and their supporting CS/MPQ-90 X-band single-sided phased array radar are added.

In addition, Taiwan Province Coast Guard also plans to build 12 "Anping" class patrol ships based on "Tuojiang". The size of "Anping" class patrol ship is larger than that of "Tuojiang", and the full-load displacement is increased to about 700 tons. Because it is not equipped with anti-ship missiles, its speed can reach more than 44 knots. However, it should be noted that "Anping" class patrol ship has reserved missile launching cabin and interface, which can be equipped with "Xiongfeng" 2 and "Xiongfeng" 3 anti-ship missiles, "dense array" near defense system and other weapons and related systems in wartime, and the peacetime and wartime conversion can be completed within 24 hours. Two "Anping" class patrol ships have been delivered at present.

Although the displacement is only over 600 tons, the "Tajiang" class has piled up a large number of weapons, including 76 mm naval guns, anti-ship missiles, ship-to-air missiles, near-defense guns and machine guns.

Embarrassed "carrier killer"

Objectively speaking, the "Tajiang" class has indeed solved some problems existing in the "Tuojiang", but there are still many problems due to its backward design concept and insufficient capacity.

It seems unnecessary for Taiwan navy to adopt the design of wave-piercing catamaran. Although the wave-piercing catamaran has the advantages of good seaworthiness, reducing wave-making resistance and facilitating the layout of superstructure, it also has the disadvantages of heavy structural weight, which is not conducive to large-scale and high lateral stability.

First of all, the two hulls and superstructure of the wave-piercing catamaran are more complicated than the traditional monohull ship with the same tonnage, which requires more materials and has a much larger structural weight. In order to reduce weight, catamarans are mostly made of aluminum alloy, and the "Tuojiang" and "Tajiang" missile patrol ships are no exception, which will inevitably lead to rising procurement and use costs. For example, it will cost more than NT$ 5 billion (about RMB 1.156 billion) to purchase a "Tajiang" missile patrol ship.

Secondly, the connection structure between the two pieces of the wave-piercing catamaran is complicated. When the distance between the two pieces is large, the connection structure must be made of steel with good structural strength, which will inevitably increase the structural weight, reduce the effective load, reduce the economy and limit its large-scale development.

The "Tajiang" class can carry up to 16 anti-ship missiles with firepower comparable to destroyers.

Finally, the wave-piercing catamaran has a larger width and higher lateral stability, but when the sea conditions are higher, it produces a larger lateral stability moment and a higher rocking frequency, which leads to a decline in seaworthiness. At the same time, the pitching of the wave-piercing catamaran has not been alleviated. According to Taiwan media reports, when the "Tuojiang" was seaworthy, the crew vomited more seriously because of its strong pitching.

At present, what the Taiwan Navy urgently needs is to be able to replace the old Jinjiang class missile patrol ship. After the "Jinjiang" class is completely retired, the complicated patrol tasks can only be undertaken by Taiwan naval frigates, which will consume its limited service life faster. "Jinjiang" class is equipped with sonar, anti-submarine torpedo and deep-water bomb, which has basic anti-submarine capability, while "Tajiang" class has no anti-submarine capability at all.

It can be seen that the real purpose of Taiwan Province’s construction of the "Tajiang" class missile patrol ship is not to replace the "Jinjiang" class as stipulated in the plan, but to develop an anti-ship missile launching platform, strengthen the overall anti-ship capability of its navy, and enhance its so-called "rejecting reunification by force" capability. Some Taiwan Province media even refer to the "Tajiang" class as an "aircraft carrier killer", but this is just wishful thinking.

On the one hand, although the "Tajiang" class can carry up to 16 anti-ship missiles, and its firepower is comparable to that of destroyers, it also occupies the hull space and can only install simple electronic equipment, which leads to its extreme dependence on friendly and neighboring combat platforms and combat information networks, and its independent combat capability is extremely weak. In the face of systematic air and sea strikes, friendly and neighboring combat platforms and combat information networks are easily broken one by one, and its lack of independent combat capability is more like a "large missile boat". Moreover, the equipped "Xiongfeng" 3 supersonic anti-ship missile claims to have a range of 400 kilometers, but it can only be achieved when the flying height exceeds 15,000 meters, and it is easy to be intercepted. If low-altitude trajectory is adopted, the range is only about 150 kilometers.

On the other hand, the self-defense ability of "Tajiang" class is insufficient. Taiwan authorities say that these two-stage missile patrol ships have achieved stealth, but Taiwan Province has not accumulated much stealth technology, and the actual effect is in doubt. In terms of air defense, the ship is equipped with a "dense array" near-defense "Haijian" 2 ship-to-air missile. The maximum range of the missile is about 30 kilometers, and the inclined fixed launch box is adopted. This design not only limits the launch angle of the missile, but also has a small bomb load. Although the "Tajiang" class has a certain self-defense capability, if the launch platform of the other anti-ship missile launches a saturation attack 30 kilometers away, the "Tajiang" class will be overwhelmed and easily overwhelmed by the other anti-ship missile. Newer weapons such as the "Tajiang" class must be the focus of attention in wartime. Ballistic missiles and various types of anti-ship missiles are the nightmare of the "Tajiang" class, and there is almost no chance to attack the opponent’s aircraft carrier. The title of "aircraft carrier killer" is not worthy of the name.

Haijian 2 ship-to-air missile is improved from Tianjian 2 air-to-air missile.

The facade of the "national ship made in China" plan?

The "Tajiang" class is a part of the so-called "national ship-building" plan in Taiwan, China, which can be said to be ambitious. The Taiwan military and the coast guard will jointly build 238 ships of various types.

This huge shipbuilding plan, regardless of whether the funds are sufficient, is beyond the capacity of Taiwan Province’s shrinking shipbuilding industry. For example, in the famous "Qingfu Cheating Case", Qingfu Shipbuilding Co., Ltd. built a civilian ship in its early years, and won the contract for six mine-hunting ships of the Taiwan military in 2014. It plans to complete the order by the so-called "national ship made in China". Qingfu Company, while buying mine hunting equipment system from the United States, entrusted Italy to build the first ship, and was busy transferring assets and obtaining loans, and was finally discovered, which also involved people from Taiwan, government and military circles. The disadvantages of Taiwan Province shipbuilding industry can be seen from this. The Budget Center of Taiwan’s legislature thinks that such a huge shipbuilding scale is really inconsistent with Taiwan Province’s actual shipbuilding capacity.

The "Haijian" 2 ship-to-air missile adopts an inclined fixed launch box, and its firing range is limited.

In addition to the sluggish shipbuilding industry, the research and development capabilities of related supporting military industries are also declining. For example, Haijian-2 ship-to-air missile, which was developed by Chinese Academy of Sciences in 1999, claimed to have obtained two key technologies related to the vertical launch of ship-to-air missile, namely missile thrust vector system and "cold launch" technology. However, until 2007, Taiwan’s "Chinese Academy of Sciences" showed the backward inclined fixed launch box, and the vertical launch system has not been followed. Now it can only turn to the United States. In 2019, "Haijian" 2 conducted the first live-fire shooting test on land using the purchased American MK-41 vertical launching system.

If we can find ways to make up for the decline in R&D and construction capacity, then the backwardness of the concepts of Taiwan’s political and military circles, scientific research departments and shipbuilding industry is the biggest shortcoming that it cannot make up for. Let’s take the Haijian 2 missile as an example. The Taiwan military plans to install Haijian 2 on those old frigates to enhance their air defense capabilities. However, due to the hull structure, internal space and missile length, some frigates are not suitable for installing vertical launch systems, so the inclined fixed launch box can also be used as a way to enhance air defense capabilities. It is such a simple technical problem, but the Taiwan military is divided into "inclined launch box faction" and "vertical launch system faction". The two sides do not give in to each other, and even the top defense department needs to come forward to reconcile and compromise. In the 21st century, when the vertical launching system is very popular, Taiwan’s Chinese Academy of Sciences is still thinking about the inclined fixed launching box, and even developed the so-called "integrated shell oblique launching frame", that is, the inclined fixed launching box considering the stealth problem, in order not to destroy the stealth shape of the ship.

The "Tajiang" class missile patrol ship is a well-run project in the so-called "national ship made in China" plan of the Taiwan authorities, but it also exposes that Taiwan Province’s ship-building ability, technology and concept are completely backward, and it is difficult to hold up the so-called "national ship made in China" facade.

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Reveal the credit card trap you don’t know.

  Beijing, February 12 (Xinhua) According to the economic voice "Daily 315", you may receive a credit card upgraded by the bank if you don’t apply for it specially. According to the reporter, many people have received more than one. Knowing that the annual fee may be charged after the credit card is opened, the cardholder simply does not activate it and thinks that there will be no problem, but it is not that simple.

  Mr. Wang in Beijing has encountered such a situation. A few days ago, he received a platinum credit card from Huaxia Bank. Mr. Wang was puzzled at first. He didn’t apply. Why did the bank send this card? When he went to Huaxia Bank’s business outlets for consultation, the staff told him that it was because of his good consumption and credit records that he specially helped him upgrade this card, which is very common.

  The customer service staff of Huaxia Bank explained that a short message was sent to him a few months ago. If you don’t reply, you will agree to apply for a card by default. If you don’t activate it, there will be no cost.

  Huaxia Bank’s customer service staff said: "Because you used the card in good condition before, this card was distributed to you. Your titanium card can be used overseas, and the UnionPay 3D card was sent to you, which is more convenient to swipe it in China."

  Mr. Wang: "But I didn’t apply for this card."

  Huaxia Bank Customer Service: "In October 2017, there will be a text message to remind you that if you don’t reply’ No’, this card will be mailed to you by default."

  Mr. Wang: "Does this card itself have annual fees and other expenses?"

  Huaxia Bank Customer Service: "The annual fee of the new card you received is 680 yuan, which is free in the first year. If you spend five times in the first year, you will be free in the second year."

  Mr. Wang: "If I don’t activate it, it means there is no annual fee, right?"

  Huaxia Bank Customer Service: "Yes."

  Don’t inactive credit cards have any impact on cardholders as long as they don’t charge? In fact, this inactive credit card data will also be registered in the personal credit record. For example, the approval time and specific amount of this card will be clearly displayed, and the words "This card has not been activated" will also be marked. When you really need a loan to buy a house, buy a car or have a loan demand in other aspects, these data will also become a reference for financial institutions such as banks. The reporter called the personal credit information system of the People’s Bank of China to inquire about related matters.

  Reporter: "If I don’t activate for a long time, will it affect my future loan?"

  China Bank’s credit inquiry system: "The credit center does not make any subjective evaluation of the data on your report. Whether you can handle business in the future depends on the institutions or banks that you will handle business in the future, and how you treat the data on your credit report is determined by their approval policies."

  Another problem that deserves everyone’s attention is that in many cases, credit cards that are not activated or opened will also incur expenses. The reporter called the Credit Card Center of China Merchants Bank, and the customer service staff told the reporter that if the user chose express delivery when handling the credit card, the express fee in 20 yuan would be included in the credit card bill. If the user thinks that he has not spent money and does not pay attention to the bill of this card, there will be a credit card overdue record. In addition, some special credit cards also have card face fees. For example, the customer service staff of Shanghai Pudong Development Bank said that "privately ordered" cards, such as cards with card numbers, card materials or colors, will generate card face fees, which will also be reflected in the credit card bill.

  Other credit cards, whether activated or not, will generate an annual fee as long as they are applied. For example, a platinum card or a higher-level credit card than a platinum card. This kind of credit card often has a lot of value-added services, and most banks have to bear a lot of expenses for these services every year, so even if Platinum cardholders don’t activate their cards, they have to charge an annual fee.

  Compared with using a debit card, using a credit card will have a bill even if you don’t spend money. The annual fee rules of credit cards vary from bank to bank. Many banks’ credit cards will calculate the annual fee as long as they are opened, and users need to spend five or a certain amount to avoid the annual fee. However, some banks will change these rules, and if banks fail to fulfill their obligation to inform customers, it will bring a lot of trouble to credit card users.

  The customer service staff of the personal credit inquiry agency of the People’s Bank of China said that as long as it is a credit card bill, no matter whether it is dozens or hundreds, it will be regarded as overdue if it is not returned at maturity, which will affect the personal credit record.

  However, there are many precautions for canceling credit cards, otherwise it will also bring bad influence to your personal credit information:

  1. The card to be cancelled should not be in arrears. Before you cancel your card, make sure whether there is any outstanding balance on your credit card. If you don’t know your repayment amount, you can call the card-holding bank for consultation. If you cancel your card before you pay it off, it will affect your personal credit information.

  2. Do not use the card to be cancelled during the "account clearing period". Generally, when a bank cancels your card, it takes about 45 days to "clear the account", and the cancellation can only be arranged after ensuring that there is no delay in the transaction of the card. After waiting for the "account clearing period", in order to ensure the completion of card cancellation, it is recommended to call the bank’s customer service phone or go to the bank outlet for confirmation.

  3. Cards with overdue records within two years should not be cancelled. The overdue records of credit cards will generally be kept in the credit report for 2 years. Even if the debts have been paid off, the records after the cancellation of the cards will be kept, and the normal use can only be guaranteed until the records are eliminated. Otherwise, it will affect your handling of financial services such as loans in the future.

  4. Do I need to cancel the inactive credit card? Generally speaking, inactive ordinary credit cards do not generate annual fees, but some special cards are hard to say, so it is better to cancel the inactive credit cards in time if they are not used.

  5. Pay enough free annual fee and then cancel the card. If your credit card needs to be swiped enough times or amount to be exempted from the annual fee, it is recommended to cancel the card after meeting the conditions, otherwise it is equivalent to not paying the annual fee and it will be overdue.

  6. Remember to "destroy the card" when the card is cancelled. Make sure that after you have finished selling the card in the bank, you should immediately cut the magnetic stripe of the card in your hand, and don’t leave it lying around, causing unnecessary trouble.

  Lu Yun, director of the Beijing Lawyers Association, the Legal Committee for Consumer Rights Protection, and Zhao Zhanling, a lawyer of Beijing Zhilin Law Firm, came to analyze and interpret related issues.

  Voice of the Economy: Has Ms. Lu ever received an "uninvited" credit card from the bank? How is it handled?

  Lu Yun: "I have never met it myself, but my friends around me have met it and asked us for advice. For this kind of "uninvited" credit card, I personally think that the handling of credit cards belongs to the category of consumers’ right to choose. Some banks send cards directly without the application of the parties. Once the cards are sent, some expenses may be incurred, including annual fees, courier fees and card fees. If these expenses are not paid in time, it will affect consumers’ personal credit investigation. Based on this, if consumers receive an’ uninvited’ credit card, they should still contact the card issuer in time to make a judgment according to their needs. "

  Voice of the Economy: On the grounds that the user’s credit is good, it will be informed by SMS, and if the user does not reply, the user will agree to apply for a credit card by default. Is this form fair to credit card users?

  Zhao Zhanling: "For this kind of short message, the security software used in many consumers’ mobile phones may blacklist the short messages sent by some banks, or the users may not see them in time, so the banks think that the users agree by default, which is unreasonable. Secondly, credit card processing needs the user’s consent. Credit card provides a kind of financial service, and actually processing credit card is to obtain the financial service provided by the bank. As a consumer, according to the law, users have the right to know and the right to choose independently, that is to say, whether to apply for a credit card and what kind of credit card should be chosen by users themselves, and it cannot be said that users agree to apply for it by default without SMS reply. This practice lacks legal basis. In addition, some banks may increase the overdraft limit for users on the grounds of good credit when users use credit cards. This is no problem, but some banks use this reason to help users open higher-level credit cards, which also needs to inform users. "

  Voice of the Economy: Even if the card is not opened or activated, it will have an impact on the cardholder’s personal credit information, because these credit card data will be recorded in the personal credit information system, and it may also affect the application for loans in the future. If this has caused some negative effects, should banks be responsible for it?

  Lu Yun: "First of all, banks should fulfill their obligation to inform and protect users’ right to know. In other words, when the user has this card, the bank needs to inform the user not only of the rights and interests he enjoys, but also of the risks and legal consequences he may bear. Secondly, credit investigation involves all aspects of personal life and work. Once it is overdue, the credit investigation system will record it even if 1 yuan is overdue and the repayment is 2 hours late. According to the Consumer Law, banks must explain and inform consumers in a significant way, and make necessary prompts. If they just send a text message or post some notices in the lobby, they have not fulfilled their obligation to inform. "

  Voice of the Economy: When some consumers use credit cards, even if they don’t activate or open them, they will incur fees, some are express delivery fees, some are card face fees, and some are annual fees. Faced with this situation, in fact, there are relevant laws and regulations, such as the China Banking Regulatory Commission, which expressly stipulate that credit cards cannot be charged without the activation of the cardholder. However, the regulations also stipulate that under special circumstances, the cardholder alone authorizes the deduction of fees and the creditor-debtor relationship that has been formed when changing the card by writing, recording the customer service telephone number, electronic signature and methods recognized by both the cardholder and the issuing bank. What is the meaning of this provision? What problems should consumers pay attention to when signing a credit card contract to avoid damage to their rights and interests?

  Zhao Zhanling: "The regulations of CBRC are very clear. Credit card holders can’t charge annual fees if they don’t activate their credit cards, so many banks now charge annual fees in violation of the regulations of CBRC. However, there are exceptions. If the cardholder authorizes the bank to collect fees separately by other means, then there is no problem. Therefore, when handling a credit card, you need to know clearly the annual fee amount, collection method and exemption conditions of the credit card. Even if you don’t want to use the credit card in the future, you should return the annual fee as much as possible or offset the annual fee by meeting the exemption conditions to avoid overdue. In addition, if the credit card is not going to be opened or activated for some reason, it should be confirmed to the bank whether there is an annual fee and whether it will be included in the credit record. In addition, when handling credit cards, you need to know the basic knowledge of credit cards, such as overdraft limit, withdrawal limit, the difference between credit card billing date and repayment date, and whether there is a late payment fee after the deadline. Consumers need to understand all aspects of the situation when handling credit card expenses or during use, in order to avoid damage to their own interests. "

  Voice of the Economy: What should I do if someone pretends to activate a credit card that I don’t want to use, resulting in some losses or personal credit history problems?

  Lu Yun: "This needs to be treated differently according to different situations. If there are problems caused by bank operators or operating system loopholes, or collusion inside and outside the bank, the bank should bear the corresponding responsibilities; If the user keeps the card himself, the password is not good, or the password setting does not meet the bank regulations, resulting in the leakage of personal card information, then the individual needs to bear the corresponding responsibility. "

  Voice of the Economy: What impact will there be if there are overdue records in the personal credit information system? How to ensure that personal credit records are in good condition when using credit cards?

  Lu Yun: "China’s existing Regulations on the Administration of Credit Information Industry clearly stipulates how institutions and individuals in the credit information industry record and cancel. Nowadays, personal credit investigation is particularly important in life and work, which will not only affect future investments or loans, but also affect children’s schooling, social security, provident fund and other aspects, and even affect the admission of civil servants. According to the current development trend, personal credit information is becoming more and more important,’ one place is broken, and everywhere is limited’. Therefore, when consumers need to sign the relevant business, they must confirm with the counter staff to understand the business they are handling and ask about the possible legal consequences of this business before handling it. At the same time, banking business, including sales promotion by salesmen, should be operated in accordance with normative requirements. Now the bank is implementing a dual recording system, that is, recording and recording at the same time, hoping that more businesses can be included in the system to urge banks to fulfill their obligation to inform and protect consumers’ right to know. "

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Problems such as illegal fees for internship and training, ineffective protection of legitimate rights and interests, etc. sometimes occur. Why are internships in vocational colleges repeatedly banned

  □ Our reporter Wen Yuanzhen

  Recently, a teacher in Jiangxi Vocational College of New Energy Science and Technology has deducted huge internship remuneration from students, which has aroused widespread concern. Subsequently, the Joint Investigation Team of Xinyu City, Jiangxi Province issued a briefing saying that after a preliminary investigation by the High-tech Branch of Xinyu City Public Security Bureau, it was found that Yan Moumou and others were suspected of accepting bribes by non-state workers, and now they have filed a case for investigation and taken criminal compulsory measures against Yan Moumou and others. At present, the case is under further investigation.

  An interview with the reporter of "Rule of Law Daily" learned that such phenomena as vocational college students being brought into factories by teachers as assembly line workers and internship allowances being maliciously defaulted by enterprises have occurred from time to time. The reason is that most interns have not left the campus and cannot sign labor contracts, which cannot be directly linked to the status of workers protected by labor law. Therefore, problems such as illegal fees for internship training, students’ injuries during internship, and ineffective protection of legitimate rights and interests occur from time to time, especially the chaos in internship in vocational colleges.

  Experts interviewed by reporters believe that some vocational colleges and enterprises do not hesitate to harm the legitimate rights and interests of students in pursuit of interests. The reason why this kind of chaos can’t be stopped is that the design of safeguard mechanism and rights protection mechanism in existing normative documents is relatively simple and not feasible. For example, what responsibilities vocational colleges and internship units need to bear after violating laws and regulations, and whether these responsibilities can effectively deter the units, etc., all need to be further solved.

  School-enterprise cooperation is controversial.

  Many vocational college students have had unforgettable internship experiences — — The internship salary is far below the normal level, and even you can’t get paid.

  Xiao Li, a junior in a vocational college in Jiangxi, is currently working as an intern in a processing factory in Nanchang, with an average internship salary of 15 yuan per hour. "As long as it is a student, the salary is basically the lowest. Although the work content is similar, there is a big income gap between us and the workers working in the same group. " Xiao Li said.

  At the beginning of July this year, Xiaolin of a vocational college in Shandong went to a hotel for an internship according to the requirements of the school. After two days of training, I took up my post in the housekeeping department. I work from 7: 50 a.m. to 5: 30 p.m. every day, with half an hour for lunch. Because of the excessive intensity of work, after working for a week, her back pain was "unbearable". The examination results of the hospital showed irreversible "lumbar degenerative diseases".

  "Our interns can’t be dismissed. If they are dismissed, they will be recorded in the file by the school and affect graduation." Kobayashi said that she had to choose her own internship later, but when she went to the human resources department to go through the resignation procedures, she originally said that she could settle her salary for one week, but she didn’t get it at the end. "At least five people didn’t get the internship salary like me."

  It is understood that many students are sent to other places for internships, often far from the school, and the working hours and intensity are the same as those of front-line workers. Although it is called "paid internship", the salary is often very low, which is equivalent to the employer reducing the cost of employing people in disguise.

  "At that time, we went with 50 students and were sent to the front line to do some threading, punching and packaging work every day. In order to get the diploma smoothly, I have to stay there and work hard. " Xiaolin said.

  The incident of Jiangxi New Energy Science and Technology Vocational College also proved this point. According to public reports, the college is currently divided into two parts: secondary school and junior college. Among them, there is compulsory internship in secondary schools, and no graduation certificate will be issued unless you go to a designated unit for internship. Although the college also arranges internship units, students can choose to practice independently. In the junior year, the school will arrange internship units for students of different majors, and the internship locations are all over the country, but most of the internship units are processing factories, and the internship salary is about 2,800 yuan a month. If students find their own factories, the internship salary will basically be one or two thousand yuan higher.

  In addition, the reporter found that in 2022, the Jiangxi Provincial Department of Education issued a "Jiangxi Provincial Department of Education announced the third batch of six typical cases of teachers violating teachers’ morality and style". It was mentioned in the above cases that in December 2021, five counselors of Jiangxi New Energy Technology Vocational College, Liu Moumou, Lai Moumou, Qi Moumou, Li Moumou and Zhang Moumou, cooperated with off-campus training institutions to organize five classes of photovoltaic power generation college without reporting to their colleges.

  Similar school-enterprise cooperation has made many students miserable. Previously, many students from a college in Sichuan reported that the school had illegal charging behavior. According to students’ feedback, during the four-year study period, the school charged students many times in violation of regulations. In addition to tuition fees, the school cooperated with enterprises to charge each student an extra 2,700 yuan for skills training, and after four years, an extra 10,800 yuan was paid, and more than 700,000 yuan was charged for computer majors alone. What’s more, between 2016 and 2018, the school actually informed students to pay their own fees to the enterprise, otherwise they would not be given credits or even issued diplomas.

  It is difficult to defend rights when casualties occur.

  On November 10th this year, Li Hao (a pseudonym), a junior in Pingdingshan, Henan Province, died suddenly when he returned to the off-campus rental house to rest after nearly 9 hours of live broadcast of the company’s overnight game. The "Death Certificate" issued by the police shows that Li Hao died abnormally and died because of "sudden death".

  "The school asked them to have a six-month internship. When they applied for a job online, they found this live game company." Li Hao’s father said that the agreement signed between the company and the child required that the live broadcast duration should not be less than 240 hours per month. The child was originally broadcast live during the day, but after November 5, he began to broadcast live at night, and he had broadcast live for five consecutive nights before his sudden death.

  In this regard, the company involved, Henan Qinyi Culture Media Co., Ltd., said that the company signed the "Anchor and Guild Cooperation Agreement" with Li Hao, and there was no employment relationship or internship relationship between the two parties. Li Hao died in his rented house after finishing his work and had nothing to do with the company.

  Is the company involved responsible for Li Hao’s death?

  "Although the death result of Li Hao is not in the company, if the cause of death is related to continuous overnight work, the game company should also bear some responsibility for the death result." Wu Mengkai, a lawyer of Guangdong Hetuo Law Firm, said that as a responsible enterprise, it should assume the responsibilities and obligations for interns and protect their legitimate rights and interests. If the company signs a cooperation agreement with the interns, it should also clarify the rights and obligations of both parties to ensure that the cooperation is based on fairness, justice and mutual benefit.

  Wu Mengkai reminded that interns generally do not enjoy the treatment of work-related injuries, and the risks of internship work are borne by interns themselves. Therefore, interns should agree with the internship unit on how to deal with casualties during the internship period, so as not to protect their legitimate rights and interests afterwards. When signing the agreement, you can negotiate for accidental injury insurance, or agree with the internship unit that in case of casualty, the internship unit will pay the casualty treatment according to the standard of industrial injury insurance treatment, so as to avoid personal rights and interests being damaged due to the lack of legal basis.

  "We can’t ignore the problems and dilemmas in the internship process, and we can’t tolerate the deprivation of interns’ rights by employers." The professor scope of capital university of economics and business Institute of Labor Economics appealed that enterprises should be guided to establish a correct overtime culture and advocate reasonable working hours and healthy working methods.

  The supervision mechanism needs to be improved urgently.

  As early as April 2016, the Ministry of Education and other five departments issued the Regulations on the Management of Students’ Internship in Vocational Schools. In January 2022, the Ministry of Education and other eight departments jointly issued the newly revised Regulations on the Management of Students’ Internship in Vocational Schools, aiming at the problems of compulsory internship, simple repetitive work unrelated to professional study, infringement of students’ legitimate rights and interests, and further delineating the "red line".

  However, why is the relevant chaos still difficult to eliminate?

  In Wu Mengkai’s view, some schools, labor service companies and employers collude with each other and evade supervision. However, due to interns’ weak position, low bargaining power, weak awareness of rights protection and more concerns, some schools, intermediaries and other relevant personnel will be unscrupulous, so that many interns lose the courage to say "no".

  "In reality, some complaints can’t get timely response from relevant departments, interns have to report on social platforms, and it is easy to give up reporting because of intimidation and retaliation." Wu Mengkai suggested that it is necessary not only to vigorously unblock the channels for interns to complain and report, but also to tighten the responsibility of the regulatory authorities and seriously blame the relevant departments and personnel such as inaction and slowness.

  According to the introduction of the scope, the infringement of interns’ rights and interests by internship units is concentrated in three aspects: first, the right to labor remuneration, especially for interns in vocational colleges, whose wages are usually lower than the market level; Second, the right to rest, they are often asked to work long hours; The third is the right to occupational safety and health. Some internship units have poor working conditions and have not provided enough training and protection for interns, which may cause them to suffer occupational injuries.

  Scope told reporters that there was a case of the Supreme People’s Court guiding that employment-oriented interns could form labor relations with internship units. However, as stipulated in Article 12 of the Opinions on Several Issues Concerning the Implementation of the Labor Law of People’s Republic of China (PRC) issued by the former Ministry of Labor in August 1995, students who use their spare time to work and study are not regarded as employment, and labor relations have not been established, so they may not sign labor contracts. In practice, interns are excluded from the labor law, and in most cases, they will not be considered as constituting labor relations with employers.

  "There is no essential difference between the internship interns and the laborers, and they are also subordinate laborers. However, it is unfair that they cannot enjoy all kinds of rights and interests of laborers because the subjects do not meet the standards for the determination of labor relations." Wu Mengkai said.

  If a student’s internship salary is deducted, can it be recovered? Wu Mengkai believes that in view of the phenomenon that students’ internship wages are deducted, students should collect evidence at the first time and save evidence that can prove the employment relationship, including punching records, salary flow, working hours, etc., and ask the other party to pay in time according to the employment remuneration. At the same time, you can also complain and report to the local labor inspection agency and ask the relevant departments to assist in the investigation. If the consultation fails, they shall safeguard their legitimate rights and interests through legal channels.

  The scope calls for enterprises to pay attention to legal compliance when hiring interns. Although the labor law is not applicable to interns, they should still pay attention to the universality of basic labor standards, such as working hours, wages and occupational safety and health protection, which should be consistent with ordinary workers and pay attention to the training of interns. At the same time, interns should try their best to choose regular internship units and pay attention to their legitimate rights and interests, such as asking for a written agreement to clarify the rights and obligations of both parties, and asking for accident insurance or employer liability insurance.

  The scope holds that there are still imperfect systems, and enterprises need to improve the corresponding supervision mechanism to participate in vocational education, and urge them to implement the corresponding responsibilities such as training and education. Enterprises’ participation in vocational education should focus on education, even if they practice in enterprises, it is carried out under the whole system of talent training. At the same time, the "blacklist" of vocational colleges and internship units can also be made public to the public, and the relevant complaints and reports of vocational colleges can be included in the scope of evaluation and audit, and the internship units can be included in the social responsibility evaluation system.