No physical fitness, continue to open the field! China Volleyball Association issued the regulations for the 2021 National Volleyball Championship, in October, with Jiangmen for women volleyball and Z





Unconsciously, the 8-day Spring Festival holiday is coming to an end, and I have to go to work for 6 days in the first week after the holiday. After going to work on Sunday, February 18th, there will be another Monday. According to the Notice of General Office of the State Council on Some Holiday Arrangements in 2024, the holiday date of this year’s Spring Festival is: February 10th to 17th, with a total of 8 days. Go to work on February 4 (Sunday) and February 18 (Sunday). It is reported that the working day in 2023 is 249 days, and the working day in 2024 is 251 days. This year, I have to go to work for 2 days more than last year.
Come to New Year this year.
In addition to friends and family.
There is also a cold wave from the polar regions.
Central Meteorological Observatory at 06: 00 on January 23
Continue to issue a cold wave blue warning
It is expected that it will not be until the third day
This cold wave will continue to affect our country.
Affected by strong cold air, it is estimated that the temperature will drop by 6 ~ 10℃ in most parts of central and eastern China, by 12~14℃ in eastern Northeast China, eastern Jiangnan and northeastern South China, and by more than 16℃ in eastern Jilin from 08: 00 on January 23rd to 08: 00 on January 25th. There are 4 ~ 6 winds in the above areas, and gusts are 7 ~ 8. Some areas in western Gansu, western Inner Mongolia, northern Qinghai and Ningxia have sand or floating dust. There are 6 ~ 8 winds and 9~10 gusts in most offshore areas of China. The lowest temperature in the process appeared on the morning of 25th, and the lowest temperature 0℃ line will be located in the east of Yunnan, south of Guizhou and north of South China.
From 23rd to 24th (the second day and the third day of New Year’s Day), the temperatures in Northeast China, North China and East China will hit new lows after winter, and the temperature will be 6-10℃ lower than normal.
From the early morning of January 23rd, snowflakes began to float in Zhangjiakou, Chengde, Tangshan, Qinhuangdao, Baoding and many places in Beijing.
[Snow in xiong’an new area]
Address: xiong’an new area Yuerong Park Source: Jishi Client
[Snow in Tangshan]
Photo from Tangshan traffic police
Hebei specific weather forecast
[Hebei Meteorological Observatory continued to issue the blue warning signal of cold wave at 05: 00 on January 23, 2023]
Affected by cold air, it is expected that the lowest temperature in the whole province will continue to drop tomorrow morning, with Baoding, Langfang and the south area dropping by 6 ~ 8℃, local dropping by 8 ~ 10℃ and other areas dropping by 2 ~ 5℃. Tomorrow morning, the minimum temperature in the north of Zhangjiakou and Chengde will drop to-33 ~-26℃, in Shijiazhuang, Cangzhou and the south, to-16 ~-12℃, and in other areas to-25 ~-17℃.
[Hebei Meteorological Observatory continued to issue gale blue warning signal at 05: 00 on January 23, 2023]
Affected by cold air, it is expected that there will be winds of 4 to 6 from north to northeast in eastern Chengde, Qinhuangdao, eastern Tangshan, Cangzhou, Hengshui, Xingtai and Handan from day to night, with gusts of 7, which will weaken to below 6 at night; There are 4 to 6 northwest winds, 7 gusts and 8 local gusts in Zhangjiakou, the central and western Chengde, the western Baoding and the western Shijiazhuang. There are 7-8 northeast winds, 9 gusts, 6-7 northwest winds and 8-9 gusts in coastal waters and coastal areas. Please take precautions!
[Weather forecast issued by Hebei Meteorological Observatory at 05: 00 on January 23, 2023]
Today, from day to night, scattered light snow or light snow turned cloudy in southern Langfang, Cangzhou, eastern Hengshui, western Shijiazhuang and western Xingtai, while other areas turned cloudy and sunny. The highest temperature is-25 ~-5℃ in Zhangjiakou, Chengde, Tangshan, Qinhuangdao and northwest Baoding, and-4 ~ 2℃ in other areas. The lowest temperature is-33 ~-20℃ in Zhangjiakou, Chengde, northern Qinhuangdao and northwestern Baoding, among which-33 ~-26℃ in Bashang area and-19 ~-12℃ in other areas.
Tomorrow, from day to night, the whole province will be sunny and cloudy.
From day to night on the 25th, the northwest turned sunny and cloudy, while other areas were cloudy and sunny.
Yesterday (22nd, New Year’s Day),
The cold wave brings strong winds and cools down to "celebrate the New Year"!
Today and tomorrow,
On the 23rd (the second day) and 24th (the third day),
The temperature in our province plummeted,
Many places will be frozen.
And the strong wind "assisted",
The wind-cold effect is remarkable,
Little friends, be sure to wear more clothes to protect yourself.
To sum up
During the Spring Festival this year
The cold in the north lasts for a long time
It’s short but really cold in the south.
Everyone should pay attention to cold and warmth.
Synthesis: Website of Central Meteorological Observatory, Hebei Weather and Meteorology Beijing
]
Peninsula all-media reporter Zhong Wenting
Rugby is known as the first sport in the United States, but on a football field in Qingdao Guoxin Stadium, young men and women often play rugby games, and the joyful scene attracts many people to stop and watch. Recently, the reporter of "I am you today" on the peninsula felt the heat that 50 football training places were robbed in one minute.
The reporter first experienced the flag football.
At present, Qingdao American Football Adult Equipment Group has 80 full-time players, more than 1,000 fans who often participate in training, and more than 3,000 waist flag football fans who are relatively easy to get started. Why is this minority sport so popular in Qingdao, from young people to children, from college students to returnees? Come and experience it with the reporters from Peninsula and feel the charming life of this fashionable city!
Recently, the reporter came to Guoxin Stadium. Although it was 8 pm on Wednesday, the stadium was in full swing. The football team organized here is the American football team of Qingdao Conquerors. Captain Tong Yi told reporters that today’s football activities are becoming more and more popular. Professional team training and the participation of fans make this stadium lively, even on weekdays, there are different levels and intensities of training going on almost every night.
Nowadays, no matter whether it is a zero-based "Little White" or an enthusiast who has been training for many years, he can find a suitable training team and teammates in Qingdao. "Regardless of flag football or American football, everyone’s acceptance is getting higher and higher. Now all football fans’ WeChat groups divided by category and grade have filled my top list, adding up to more than 3,000 people." Tong Yi pulled the reporter into the primary group of fans a week ago, but it took a week for the reporter to sign up.
Because the registration is too hot, because the number of people needs to be controlled in each training, the upper limit of each registration is 50. At first, the reporter set up the information-free mode, and when he remembered to grab the quota, dozens of people had lined up behind him. Wait until the next training suitable for beginners, as soon as the registration information is sent out, 50 people will be reported in one minute, and there will be people waiting in line. Looking at the registration information carefully, there is only one second difference between the 50th person and the 51st person, and the 51st person in line is equivalent to the backup team for this training-if there are formal players who temporarily quit, the backup team members waiting in line at the back can make up the position according to the queuing order. The reporter was amazed at everyone’s enthusiasm. Captain Tong told the reporter that if you want to participate, you must register in advance. Fans know the basic registration instructions, and the organizers will also buy insurance for the players. Therefore, the registration process is very strict, and you will never accept temporary registration on the spot.
After several days’ dedicated competition, the reporter finally grabbed a place to participate in zero-based training. On the left and right sides of the court, there is American football on one side and flag football on the other. The reporter signed up for flag football training.
Many girls are happy in flag football.
For the classification of these two events, in many people’s impression, rugby requires intense physical collision and confrontation, which requires high physical quality. However, as a non-contact and non-collision rugby form, flag rugby has lower threshold, faster start-up and is more suitable for beginners to try to participate.
The reporter first entered the football team with the waist flag on the right side of the venue. After entering the door, his teammates tied a belt for the reporter, and two pieces of cloth about half a meter long were hung on both sides of the belt. This is the waist flag. "Pulling this flag is equivalent to knocking down your opponent in American football. This is the biggest difference between the two categories. The flag football avoids direct collision and plays in a more gentle way, "Tong Yi told reporters." You see that the American football on the left needs to wear protective equipment and a helmet, but the flag football on the right doesn’t need it. Everyone can go into battle lightly, as long as they wear sports shoes. " The reporter found that the proportion of men and women in his training team is basically half and half, and most of them are young people in their twenties and thirties, while the American group with equipment accounts for the majority. Most of them are strong and their bodies reveal the traces of fitness all the year round.
The reporter entered the training team of flag football. At first, fifty people were divided into five groups according to the number of times they participated in the training. The primary group where the reporter was located was the first-fourth training group. After grouping, the coach first organizes the practice of running and catching the ball without the opponent’s letting go of defense.
The coach asked the group of ten people to form a line and take turns to train for running. After each person stood on the line, he waited for the coach’s command with his left foot in front and his right foot behind. When he heard the word "run", he ran forward quickly, stopped at the specified position quickly, and then turned around and went back. Familiar with the basic pace requirements, and then more complex running route training.
Get familiar with the route first, and then catch the ball. In the training of catching the ball in situ, you are required to bend your knees, lean forward slightly, and keep your eyes on the ball. When the ball comes, you should stretch out your arms to meet the ball and fully relax your fingers to touch the ball. After touching the ball, both hands instantly exert force and recover it to firmly connect the ball. As it was the first time to participate in training, the reporter did not wear protective gloves, and when he reached out his hands to catch the ball, he was worried that his manicure would not be guaranteed. It’s best to wear protective gloves if there are girls participating in the training.
When the ball comes, open your hands side by side with palms facing outwards, and there is a nearly triangular gap between the two index fingers and little fingers to catch the ball. When the coach saw that the reporter was attending for the first time, the girl would show some mercy. However, when the reporter saw a ball flying over for the first time, he was still a little instinctively afraid. At that moment, he just wanted to avoid being afraid of hitting his head. His companion described the reporter as bringing his own "ah" elongated sound effect, and then watched the ball land beside him.
Peng bo is attacking.
This process of catching the ball is a bit like playing sandbags when I was a child, that is, "playing cat’s tail" in Qingdao dialect. Some people are scared when they see the ball, while others are excited when they see it.
After catching the ball, you run with the ball. There are two kinds of holding the ball: two-handed holding and one-handed holding. Holding the ball with both hands is easy to combine with passing, and holding the ball with one hand is easy to accelerate. When holding the ball with both hands, the five fingers are naturally opened and the thumb is pressed on the most convex part of the ball; The palm is empty, and the finger grips the ball hard; The wrist is turned up, the elbow is set up to hold the ball in front of the body, and it swings left and right with the running action. There are two ways to hold the ball with one hand: vertical and horizontal. Hold the ball with one hand and hold it firmly with your hands, arms and chest.
If you can catch the ball, you can either pass it to your teammates or break through the opponent’s defense and bring the ball to your camp, which means a touchdown. What the opponent’s defender has to do is to pull out the flag on the receiver’s waist. After pulling it out, the defense is successful. Therefore, when the players with the ball run, they have to avoid the other team to pull the flag.
When the defender intercepts from the front or oblique side, he can use the arc running to get rid of his opponent. At this time, he should pay attention to the distance from his opponent, and he will be intercepted if he is too close to his opponent. Take a detour to the right as an example: lower your center of gravity and lean forward to run forward. When your opponent approaches from the front, look to the left to attract your opponent’s attention; Turn to the right with the inside of the left foot, cross the left foot to the front of the right foot, and run away in an arc. This process of running while protecting the flag is a bit like tearing a famous brand in the reporter’s view, while running to the designated position, we must not forget to protect the famous brand from being torn off.
After understanding the basic rules, the coach organized two groups to have a friendly match. On the field, everyone encourages his teammates while learning skills. Even if there are mistakes, no one will complain. Everyone pats their shoulders and cheers on each other. At this time, losing and winning are not so important, and everyone has gained happiness in running.
Tong Yi told reporters that his Qingdao conqueror American football team was only a football club of Ocean University in 2013, with only seven or eight people at first. By 2018, there will be more than 30 American football players. They are bank employees, teachers, doctors and fitness instructors during the day ….. When they arrive at the training ground at night, they are football players when they put on their equipment. At that time, although the sport was relatively small in Qingdao, the enthusiasm of these players was very high.
In order to improve the competitive level and get good results in the national league as soon as possible, people often go to Shanghai to participate in football training camps at their own expense. "Shanghai has always been a city with a relatively good development of domestic rugby, where there are more international coaches and a more professional training atmosphere. Therefore, in a 3-4-day training camp, everyone spends seven or eight thousand yuan to learn skills." In addition to spending money, it is not easy to bring a group of adults together for fixed training. "The fixed members are those people, and everyone has his fixed position. Without anyone, the overall training will be affected." Tong Yi recalled that in the early days when the team wanted to improve their performance, every member of the team overcame all kinds of difficulties, pooled their money and made time. "Everyone is an adult with family and career concerns. It seems that everyone has returned to his childhood and should also thank each member’s family for their support."
Jerry took a photo with Super Bowl champion Russell Wilson.
In addition to regular training at least three times a week and going to Shanghai to participate in the improvement training camp every six months, the players at that time also contacted the old coaches in China online to ask tactical questions. "At that time, there were few people playing football in China, so no matter where people were far apart, as long as they were sincerely loved, there were some appreciate each other between them, and even strangers were willing to give you all they had to tell you about tactics by phone or online." Tong Yi missed the players’ thirst for knowledge about football at that time, "that ignorant and eager stage was as urgent and expected as a newborn trying to learn to walk."
For Qingdao people, rugby needs a process from scratch. How to take every step on the field may be difficult for them to figure out for a long time, but it will be of great benefit to try it again after being instructed by the old coach on the Internet. Long-term hard work and exchange study, Qingdao team joined the National Rugby League in 2018, and in 2019, Qingdao team reached the third place in the northern part of the country, ranking among the top 12 in the country. In 2020, Qingdao team was shortlisted for the first time in the top four in China.
2020 is an important year for Qingdao rugby. In that year, a senior player who represented China in the World Championships was invited from Shanghai, and a foreign coach was also invited.
Jerry, a veteran player from the Shanghai champion team, was originally from Qingdao. After returning to Qingdao, he spent a year leading the Qingdao rugby team to practice better, free of charge. Everyone in the team tried their best, rain or shine, and the football level in Qingdao improved rapidly.
Today, there are 80 regular football players in Qingdao, more than 1,000 fans who often take part in training, and more than 3,000 football fans with waist flags. Their influence has spread to the surrounding cities of Qingdao, and brother cities such as Yantai and Weihai often come to Qingdao to learn from them, just as the Qingdao team once went to Shanghai to study.
"peng bo, run! Faster! Good shot! " In Qingdao in June, a youth American football game officially began. Peng bo, a photographer on the sidelines, got busy. As a well-known media reporter, he had to shoot with a dozen catties of long guns and short guns, and at the same time he had to worry about the performance of his son on the field. In every competition, peng bo, a teenager, is like this, "playing as a partner" with his photographer father.
Peng bo attacked in the game.
Today, 9-year-old peng bo has five years’ experience in rugby, and his relationship with rugby originated from an interview with his father many years ago. "I once interviewed an adult rugby team in Qingdao and fell in love with the sport at once. When peng bo was 4 years old, I sent him to learn rugby." Peng bo, the father of a loyal NFL fan, wore a jersey of NFL star Peyton Manning in the first football class. Foreign coaches were not used to addressing Chinese names and called peng bo "Manning", which naturally became the English name of peng bo.
Four-year-old peng bo fell in love with the game when he first came to the football field, and he fell in love with the feeling of breaking through many obstacles and chasing after the wind. While he was training and playing, Dad would take out his photographic equipment to shoot the wonderful moments of the children, and use the Tik Tok "Lightning Manning" to record the growth of the children in football. Peng bo has excellent speed and flexibility. He was assigned as an attacker by the coach just after he went to training. At the age of 6, he showed excellent sense of the ball among his peers. He was assigned by the coach to take over the team and take on the most important scoring task. Now he has been able to make touchdowns again and again in the game to help the team score.
When peng bo was 6 years old, his narwhal team played a friendly match with Jinan Cobra team, which was the first fully armed match he played with his friends. Facing Jinan team, which was older than himself and had certain competition experience, peng bo’s father described his son as "completely stupid, even the opposing players passed by him, and he wouldn’t move". He was replaced less than 3 minutes after playing, and the game ended in defeat. Failure inspired peng bo’s fighting spirit. He said to his father, "Dad, I want to practice more during the summer vacation." The original training once a week became three times a week, and soon, hard training paid off. Five months later, in the Qilu Bowl, peng bo and his teammates once again faced the Jinan team. He played well and played the whole game. In the last crucial minute of the game, he made three important Tackle, which prevented the opponent who was four years older than himself from attacking and won an exciting victory. Finally, the team won the Qilu Bowl.
His son peng bo is Peng Yan’s most satisfactory photography.
As NFL fans, father and son often watch NFL games together and learn skills and tactics by watching them. Pumbaa has more than a dozen NFL star jerseys and many NFL peripheral products. He loves these "treasures" fondly, which also promotes peng bo’s interest in football. In order to encourage children, my father went into battle in person, participated in the adult flag football game, and won the championship against teams such as Shanghai, Dongying and Weihai, which also added a lot of confidence to peng bo.
Jerry, who came to Qingdao from Shanghai, now focuses on youth training. Jerry told reporters that there are more than 100 children studying rugby in Qingdao today. Although there are no special points for rugby majors in China at present, children’s rugby training from an early age can be brutal and tempered, which is very beneficial to physical fitness and willpower training. "Of course, intellectual development is also a very important aspect. Groups under the age of eight must master more than 20 sets of tactics. As soon as they read the tactical code, they must know where they and their companions are going to do, and their ability to adapt to the situation and psychological quality are all-round considerations in a tense environment."
Jason, who played football in the United States since childhood, is very touched by the various benefits of football in children’s growth. Jason, a native of Tangshan, grew up in the United States. Now, after returning to China, he works as a fitness coach in a fitness studio in Yanji Road, Qingdao, and just joined the American football team of Qingdao Conquerors in June this year.
Jason looks like a football player from the outside. Rugby is the first sport in the United States. Jason grew up playing in the United States. At the age of 19, he was selected for the Los Angeles high school team. Later, he performed well in the American college football league and entered the University of Los Angeles team with the eighth place. "Originally, Europeans are good at collision, Asians are usually more endurance, and I have been exercising for many years. I think I have both advantages at the same time." Jason is very confident about his football level. Jason has always been the only face of china in the team since he was a child. He admits that every time he comes to a new team, he will really get some strange eyes from his teammates and wonder if I, a China native, can play their ball. "Facts have proved that I can not only play, but also play very well. I used my strength to change the initial prejudice of foreigners against me and make all doubts disappear." Jason laughed and said that he was talented and could not do without long-term hard training. "I can squat 270 kilograms with a load now, and Bobby can jump 100 times continuously."
Jason is now working as a fitness instructor in Qingdao, and he will never forget his rugby feelings.
Jason now works as a private tutor in a fitness studio on Yanji Road in Qingdao. He learned by chance that there are also professional football teams in Qingdao, so he immediately signed up for the training. In just one night, the coach discovered his strength and immediately invited him to enter the professional group for training. Jason has played in the United States for many years. He thinks that the strength of the Qingdao team today can not be underestimated, but the attack can be more fierce. "My goal is to help the Qingdao team win more championships!"
Jason recalled the daily training of American teams in the past, and felt that it was indeed more intense than now. "At that time, players would wear 50 pounds of sandbags for long-distance running or press 20 kilograms of barbells for push-ups. Now, the training intensity of both adults and teenagers in Qingdao is much more’ civilized’ than I have ever seen before." Jason believes that the rugby environment in Qingdao can be gradually strengthened in addition to the training intensity, and the general fitness awareness of ordinary people around him is not enough. "Many people have not regarded sports as an essential part of their daily lives, so I still hope that people will get active soon. Even if they don’t play rugby, it is always beneficial to do more fitness and exercise."
Jason usually works out when he doesn’t practice.
Finally, there is the spirit of entertainment. Jason thinks that although American football looks a bit barbaric and has a collision, in fact, its protective equipment and rules are making every effort to protect the safety of players. "I hope that once we get on the court, we will all let go of playing and abandon all social relations. No matter who is the leader and who is the colleague, we will be friends when we get on the court, and we will have a hearty game. We will neither be humble with our hands tied nor be impatient because of the inevitable collision in the game ….. I hope more and more people can join in and enjoy the happiness of the sport itself."
Nowadays, the football team in Qingdao is growing day by day.
As a sports enthusiast, the reporter is glad to see that there are more and more interesting things in his hometown Qingdao in recent years, especially in sports and fitness. Squash, baseball, rugby and other once small sports have quietly emerged among men, women and children in the streets. With the mass base, the achievements of professional teams are among the best in the country.
Qingdao has always been an energetic and enterprising city. People in this land are brave in challenges, high morale and full of self-confidence. American football equipment seems to be a foreign thing full of violent aesthetics. In fact, Qingdao people have played the game of "playing cat’s tail" since childhood. The happy pursuit of playing sandbags seems to have the same effect as flying on the football field today. Who can refuse this kind of happiness that makes adults go back to childhood? For children, rugby is also a good sport to develop intelligence and exercise, so there are many rugby families like peng bo.
Nowadays, Qingdao’s economy is developing rapidly, and spiritual entertainment and mass fitness are also keeping pace with the times. Everyone is willing to spend 180 yuan to play a flag football in the stadium in their leisure time, and they can also accept spending thousands of dollars to buy American football equipment and join a professional American football team. What fun to play, enjoying life and inspiring life is the lovely romantic feelings in Qingdao people’s bones, and it is also open and inclusive to accommodate the winds from all directions.
Inclusive finance, as it literally means, is a financial business that benefits everyone. Finance has its own characteristics in the process of development. For a long time, most people still feel that finance is somewhat high, and not everyone needs or has the opportunity to get financial services. Inclusive finance, on the other hand, is committed to making the slightly cold finance serve more classes and people, especially the general public who need financial support but can’t get financial services at ordinary times.
What is inclusive finance?
Inclusive finance refers to providing financial services with appropriate cost, convenience and effectiveness to all social strata according to the principle of equal opportunity and sustainable business. The concept of inclusive finance is an exotic product, which originated from the advocacy of the United Nations in 2005. The original English text is Financial Inclusion, which literally means "financial inclusion". This direct and blunt translation can explain the original meaning and goal of inclusive finance, that is, to include more groups in the scope of financial services. Of course, the Chinese translation of "inclusive finance" means that finance generally benefits the masses, which also shows the original meaning and is more elegant.
To put it simply, inclusive finance wants financial services to reach everyone who needs them, so that the financial needs of all social strata can be met. If finance is a kind of help, then it is necessary to let this help help more people and help everyone in need.
Why push inclusive finance?
From the perspective of the financial industry itself, the financial industry has its natural preference for the choice of customers. For example, banks prefer to serve big customers and rich customers, even though these customers themselves do not need financial support such as loans. In banking practice, there is not much difference in human resources between making a loan of 100 million yuan and making a loan of 1 million yuan. However, in order to complete the business volume of 100 million yuan, those who do a single 100 million yuan only need to do one stroke, while those who do a single 1 million yuan have to do 100 strokes. The human resource cost and operating cost behind it are very different. Therefore, if only from the perspective of commercial interests, banks are willing to provide more financial services to large and medium-sized customers.
In addition, from the customer’s point of view, the internal management of large and medium-sized customers is more standardized, the statements are more credible, and their credit is generally better. Comparatively speaking, small customers have small scale, irregular internal management, and even no qualified statements can be provided, so the credit risk of small customers and inclusive customers is generally greater. Finally, the loan business is reflected in the non-performing rate index, and the default rate generated by banks as small customers/inclusive customers may be higher, and the higher non-performing rate will bring more losses.
If there are no special regulatory requirements to correct the deviation, most banks will serve large customers more, while small customers and inclusive customers will not get financial support. From the perspective of social benefits, although the large customers are large, after all, the social economy is composed of more small enterprises or micro-enterprises, and the inclusive enterprises attract more employed people and maintain more people’s livelihoods. If small customers/inclusive customers do not get enough financial support, it will not be conducive to the all-round and healthy development of the national economy.
Since the financial industry itself is easy to form the deviation of the above-mentioned service targets, it needs external forces to correct it. This is why the supervision of the United Nations and many countries will give special impetus to inclusive finance.
Where is the difficulty in inclusive finance?
Heard a famous professor describe inclusive finance (SME loan problem), he said: "SME loans, banks do, banks die;" If banks don’t do it, SMEs will die. " Although this description is extreme, it also reflects some actual situations. Small and medium-sized enterprises (SMEs) are weak in their ability to resist risks due to their small size, large operational uncertainty, and opaque information, and are prone to problems such as dishonesty of business owners. After banks put in loans for SMEs, the probability of bad loans is indeed not small. In reality, many banks’ business practices have repeatedly proved that inclusive finance/SME loans are difficult to do. Bank employees often find that bad loans appear in the loan portfolio one after another shortly after banks increase the investment of small and medium-sized enterprises. Compared with large and medium-sized enterprises, the loan of Pratt & Whitney customers takes a shorter time from delivery to non-performing loans, and the number of non-performing loans appears more. Even some banks are caught in the quagmire of continuously collecting the non-performing loans of Pratt & Whitney/SMEs shortly after the establishment of SMEs or inclusive finance Department.
In fact, no matter how high the non-performing rate of Pratt & Whitney or small and medium-sized customers is, banks can’t do business, as long as the income can cover the risks, that is, related businesses need to raise interest rates to make up for the losses caused by credit risks. However, since inclusive finance is Pratt & Whitney, the characteristics of Pratt & Whitney determine that inclusive finance can’t charge too high interest rates or handling fees. Since the risks and benefits are not equal, it is more likely that the bank will eventually bear the actual losses as a result of inclusive finance business.
Of course, the benefits of inclusive finance should be judged not only by the economic benefits of the business, but also by the overall social benefits. But if a business is risky and easy to cause losses, the difficulty of business development is also obvious.
What should inclusive finance be like?
Although inclusive finance has its development difficulties, the development of inclusive finance still needs to take into account both economic and social benefits. The development of inclusive finance needs to pay attention to "four characteristics", namely, inclusiveness, convenience, availability and commercial sustainability. Only by developing inclusive finance into an inclusive, convenient and sustainable business can inclusive finance benefit more social classes and enable banks as commercial institutions to continuously develop inclusive finance services.
Inclusive finance should expand its service coverage, expand its audience as much as possible, and let all those who want to get financial services have the opportunity to get services. In fact, according to the statistics of the World Bank, by 2017, 31% of adults in the world still don’t even have a bank account, let alone financing services and other more complicated services.
Countries around the world have actually done a lot to expand the inclusiveness of inclusive finance. For example, in June 2016, Mexico launched the National inclusive finance Strategy to accelerate the promotion of more than half of the population excluded from the formal and regulated financial system to obtain financial services; In July 2016, Mozambique launched the new inclusive finance Strategy, which increased the accessibility of financial services from 24% to 60%; Peru launched the National inclusive finance Strategy in 2015, and the government strives to ensure that at least 75% of adults can use trading accounts by 2021.
Inclusive finance also needs to enhance accessibility and business sustainability. In this regard, the Grameen Bank founded by Muhammad Yunus is a famous case. Up to now, the bank has issued $37.58 billion in unsecured loans, and the corresponding number of borrowers is as high as 10.45 million. In other words, the average amount borrowed by each borrower is only $3,600. The bank labels itself as a bank for the poor, and currently operates in 81,678 villages in Bangladesh (accounting for 94% of all its villages). Grameen Bank even provides interest-free loans to beggars to help them build their financial capacity so that they don’t have to beg any more. According to the information disclosed by the bank, 21,383 beggars have given up begging and achieved self-sufficiency. The loan recovery rate of Grameen Bank is as high as 96.71% (as of November 2023), which makes the bank have basic business sustainability. Grameen Bank has also become a model for inclusive finance to learn from, and its founder Professor Yunus won the Nobel Peace Prize in 2006.
Although inclusive finance is a manifestation of banks’ social responsibility, sometimes banks can give up some commercial interests in order to fulfill their social responsibility. After all, banks are still commercial organizations, and it is not difficult to bear the loss or loss at one time. However, in the long run, the inclusive finance business itself will not be sustainable. The society needs charity, and the government can also make financial arrangements, but inclusive finance is not charity, it is a part of the business of commercial banks after all, and inclusive finance with sustainable development has vitality.
What are the specific ways to develop inclusive finance?
Many business models have been formed in the practice of inclusive finance, and each model has its advantages and disadvantages. It is hard to say which model can win the world. Various specific models and measures for developing inclusive finance jointly promote the development of inclusive finance.
The most famous model in inclusive finance is the credit factory model, because it was first proposed by Temasek, also known as Temasek model. The credit factory model regards credit as a factory assembly line to produce products, and its characteristics and advantages lie in product standardization, business batch, process intensification and personnel specialization. The core of the credit factory lies in the link design of the process, that is, bank employees can be responsible for several links without mastering the whole process. This factory model can make the processing efficiency of small and medium-sized loans more efficient and the business more standardized. Both China Construction Bank and Bank of China have introduced the credit factory model to develop their own loans for SMEs. Of course, credit factories also have bottlenecks. For example, credit products themselves are not personalized enough, and they can’t cope well with some personalized inclusive finance needs.
Another well-known mode in inclusive finance is IPC mode. IPC is a German company, whose full name is International Project Consulting GmbH, that is, an international project consulting company. It has developed the methodology and operational means of SME credit operation, such as report restoration and precise risk control. For example, cross-checking is one of the core technologies of its loan analysis and evaluation, and the information is verified and judged by means of SME account books, contract information, product receipt and issue documents, water and electricity bills, tax bills, and interviews with parties and third parties, so as to obtain an objective evaluation of the enterprise. Using IPC mode to carry out business does not change the main flow of bank credit, so it is easy to start. IPC is a kind of relational credit with high viscosity, which embodies the characteristics of small and beautiful. However, its operation mode is too nonstandard and difficult to copy, so there is a bottleneck. In addition, the production tools used in the model are also somewhat backward compared with the big data analysis methods that are more widely used at present.
In China, the SME loan model in inclusive finance combines the popularity of digital finance, thus developing other distinctive business models, such as the micro-online business model. The micro-online business model is also the model of digital credit. Its advantages are reflected in the overall subversive innovation and the use of big data for risk control decision-making, which brings fast, convenient and better user experience unique to the mobile Internet era, and brings extremely low operational and decision-making costs to bank operations. However, this model also has its limitations. There is a wall between social data and transaction data, and there are restrictions on the transformation of social scenes into business traffic, and there is a deviation between data and reality.
In addition, in the credit business of inclusive finance and small and medium-sized enterprises, China has also developed the Taizhou model, or the super loan officer model. The representative financial institution of this model is the local small and medium-sized banks in Taizhou. After independent exploration of localization, Taizhou mode adopts local market positioning, combined with meticulous management system and more in-depth credit technology to cultivate a more suitable local credit culture. Its core lies in building a relational credit scene through community marketing, increasing the sources of information acquisition and realizing 360 due diligence. That is to say, through a super loan officer who is familiar with the local situation, as the core person to carry out business, because the business is all local, this loan officer can fully grasp the situation of the clients in inclusive finance, and then decide whether to launch credit. This model is more in line with the local economic characteristics, and its ideas of "time is more important than price" and "repayment willingness is more important than repayment ability" in inclusive finance are refreshing.
For banks, developing inclusive finance’s business is like "eating meat in the cracks of bones". Although it is not so delicious, it can be a sustainable business and can produce greater social benefits. For people who urgently need inclusive finance’s services, inclusive finance needs more than icing on the cake. The development of inclusive finance will be more conducive to the balanced, harmonious and sustainable development of the whole society.
[The author Xue Jian is the president of a bank branch, and an expert in the L/C Group and Forfaiting Group of the Banking Committee of China National Committee of the International Chamber of Commerce]
The preliminary test of Nortel 2017 has ended. How many dead ringer have you seen?
Special feature of 1905 film network The preliminary performance test of Beijing Film Academy in 2017 is drawing to a close, and the spectacular scene of Karry’s appearance shows people the influence of the stars. Compared with star candidates, many white candidates are often not so easily noticed by the media.
For example, Xiao Bian found a familiar face in the "dead ringer" atlas plan made by 1905 Film Network in 2013. At that time, we called her "Su Yan Bidai Syulan". Three years later, she changed from a young art candidate to the first post-90 s "film queen" in the history of Hong Kong Academy Awards, and everyone remembered her name — — Spring and summer.
I took the Nortel Art Test in spring and summer for 13 years.
This year, in addition to star candidates such as Karry, Milk Lin, Zhang Yijie, X-light and Haofei Li, 1905 Film Network also "captured" many familiar "dead ringer": Wallace Huo, Liu Shishi, Sun Honglei, Wu Xin, Zhu Fangyu, Liu Junlie … … Similarity varies from 50% to 90%. For these amateur candidates with artistic dreams, having similar faces and close temperament with popular stars may make their acting career start more smoothly. Whether they can become the next "film emperor" or "film queen", let us wait and see.
Karry Nortel Art Test attracted people to watch.
Karry:TFBOYS is the lead singer and once starred in Zhang Yimou. It is reported that the topic of Karry’s first recitation was lermontov’s Sail, and his performance was described by his classmates as "very explosive". Because the onlookers were too enthusiastic, Karry jumped out of the window on the day of the exam.
Milk Lin fights Nortel again.
Coco; Milk Lin:In 2008, the opening ceremony of the Beijing Olympic Games became famous at one fell swoop. Later, he appeared in the new version of A Dream of Red Mansions and Beauty’s Calculation. According to the requirements, Milk Lin has prepared the talent of poetry reading like other candidates, but she said that the specific articles need to be kept secret.
Zhang Yijie, who debuted as a child star, stole from Guan Xiaotong before the exam.
Yijie Zhang:Zhang Yijie, who made her debut as a child star, has participated in more than 20 film and television dramas, such as Xuanyuanjian, Yuanjian, Yuanjian, Yuanjian, Yuanjian, etc. Now she has signed a contract with Zhengyang Studio and has become a small fresh meat favored by Zhengyang. He revealed that the topic of his first recitation was Che Guevara, and before taking the exam, he also asked Guan Xiaotong, a fellow cast member, for advice on the exam experience.
X-light has a guest appearance this year.
X-light:X-light, born in 2000, participated in the talent show "Burn Boys". In 2016, he joined the "X Nine Boys Group" as a dancer and made a guest performance in the movie "Catch the Demon 2". In X-light’s view, popularity did not bring pressure. He felt that he was an ordinary examinee.
Nortel’s surprise starringHaofei Li
Haofei Li:She has starred in the TV series 49 Days Sacrifice and the movie Nezha, and won the Best Newcomer Actress Award at the 18th Shanghai International Film Festival. Haofei Li revealed in an interview that he had declined the invitation of some TV series, just to concentrate on preparing for the art test and the college entrance examination.
Next page: Art candidates bump into Wallace Huo, Chen Xiao, Liu Renna, Andrew and Ma Yuke.
Sixty years ago, Xu Shishan was the second battalion commander of the 270th Regiment, 90th Division, 30th Army, 9th Corps of the Third Field Army. He followed his head Zhu Muping to send troops to Xiliang Mountain. The battle of Xiliang Mountain started the "first shot of the battle of crossing the river". In the battle, more than 1,500 soldiers died in the battlefield, including the 37-year-old head Zhu Muping …
"hide!" "Bang!" "Colonel! Colonel! You wake up … "
"Go-go-"On the morning of March 13th, in the home of 87-year-old general Xu Shishan, time and space seemed to go back to the Battle of Xiliang Mountain in Hexian County 60 years ago. At some point, the old general suddenly stood up from the sofa, with his hands in the shape of guns, shouting and running forward …
From guerrillas to field armies
In the five months before the battle of crossing the river, my identity has changed four times in a row, which has never happened before; However, in the process of this rapid transformation, we have realized the transformation from guerrillas to local armed forces until we become the regular army of 270 regiments in 90 divisions of 30 armies, and at the same time, we have achieved the tragic and brilliant resume of our regiment crossing the river.
In November 1948, just two months after I was transferred from the secretary of Qianji District Committee to the chief of staff of Shuyang Independent Regiment, I suddenly received an order from my superior, and my independent regiment was reorganized with Guanyun Independent Regiment to form the 4th Regiment of the 6th Army Division of Subei Military Region. After the adaptation, the original Shuyang Independent Regiment became the 4th Regiment and the 2nd Battalion, and I became the battalion commander of the 2nd Battalion.
At this time, I met my head Zhu Muping, a handsome man with a tall and loud voice. From Shuyang to Guanyun, I heard many magical stories about him. Some said he was an intellectual, some said he was a lonely hero, and some said he was both civil and military.
What kind of strange man is Zhu Muping?
Before I could perceive and understand it slowly, the Yuntai Mountain War in Lianyungang started, and the 4th Regiment was transferred from Guanyun, which was the first battle after the formation of the 4th Regiment. According to the deployment of the military division, the 2nd Battalion of 4th Regiment is responsible for the main attack of Yuntai Mountain War. Perhaps considering that I had never led troops to fight in a big battle before, Zhu Muping volunteered to take the 2nd Battalion personally and let me stay in the regimental headquarters.
But what I didn’t expect was that some soldiers in the second battalion suddenly became emotional when the war was about to start. I rushed to the front line, only after asking did I know that these Shuyang children would prefer me to lead the attack. They’ve been following me since the guerrilla period. The sudden situation made Zhu Muping a little embarrassed. After urgent consultations, Zhu Muping and I were finally allowed to command together, and the mood of the soldiers suddenly rose.
The attack began in Nancheng, and the peasant children of the second battalion, who were guerrillas, rushed forward with soil shovel and fried bobbin, screaming and screaming. The attack soon rushed to an open field in front of Yuntai Mountain, where there was no barrier to cover. The enemy troops stood in the fortifications on Yuntai Mountain and shot from above. The roaring bullets made the soldiers lift their heads, and the shells exploded in dense attack formations, and several people were overturned with one shell.
"This won’t do!" I was in a hurry and called the company commander and platoon leader to make a new deployment.
The adjusted formation is no longer as dense as it was at first, but changed into a three-thirds formation. The soldiers are divided into three groups, and the groups are separated, avoiding the shells falling from the air and making a quick detour down the mountain. The troops finally rushed to the foot of the mountain, which was the dead corner of enemy fire. According to the original plan, the soldiers will take a short rest here, gather the team and carry out the next wave of attacks.
But at this time, the explosion of "dong, dong" suddenly came from the top of the head, and the blown-up gravel and debris mixed with weeds slipped down the mountain, smashing the soldiers’ faces. This is the mountain gun of the military division that fired at the enemy on the mountain. The strength of the soldiers rushed up. "Go-"I don’t know which soldier took the lead and rushed to the mountain with a gun. "Tick-tock, tick-tock-"The bugle also sounded. "Kill-"The 2nd battalion shouted and rushed up the hill. Hundreds of screaming soldiers were crushed to the mountainside, and the enemy couldn’t carry it anymore and began to turn and run away. The 2nd Battalion rushed to the top of the mountain in one breath, and pursued the victory, crushing the defeated enemy into a ravine. Ten minutes later, an enemy soldier raised a white flag and they finally surrendered.
The officers and men of the 2nd Battalion have been hitting the seaside of Lianyungang. These soldiers in Shuyang have never seen the sea! They jumped and shouted on the beach, picked up stones and threw them into the sea. The people in Lianyungang sent gifts to the troops, and the soldiers saw fish as big as a small wooden boat for the first time in their lives. This fish has not been eaten by a company.
In this battle, the Sixth Army Division wiped out more than 3,000 enemies, and groups of prisoners were taken to Xuzhou. When the officers and men of the 2nd Battalion saw the captured hills of Type 38 rifles, they all threw away their ground-breaking guns and went up to grab them. Those prisoners are still unconvinced, and they look down on the way we rob guns, saying that they lost to these hillbillies.
After the victory of Yuntai Mountain, the 2nd Battalion returned to the station of Guanyun 4th Regiment. A month later, the 4th Regiment was renamed the Secret Service Corps. On February 3, 1949, the Independent Regiment of Suqian County was upgraded to a battalion to supplement the Special Service Regiment, making its organizational system complete. After the Spring Festival in 1949, the Secret Service Corps was reorganized and became the last organizational group of the 30th Army of the 3rd Field Army of the China People’s Liberation Army, namely the 90th Division, with three battalions under its jurisdiction. The original Guanyun Independent Regiment, Shuyang Independent Regiment and Suqian Independent Regiment became the first, second and third battalions respectively. Zhu Muping continued to be the head of the team, and my identity changed again, from the battalion commander of the second battalion to the instructor of the second battalion.
Move to Chaimi River in Shuyang to rest.
After being reorganized into a field army, my 270th regiment left Guanyun and moved to Pingdun on the bank of Chaimi River in Shuyang for rest. This rare short break gave me a better understanding of my head Zhu Muping.
On the second day after being reorganized into the 270 th Regiment, the troops left Guanyun County and moved to the flat pier on the bank of Chaimi River in Shuyang for rest, and were formally organized into the main regiment of the 30 th Army. Due to the insufficient strength of the 270 th regiment, the superior has transferred some personnel from the East China Sea, Xinyi and other local armed forces to supplement. At the same time, formally determine the task of crossing the river south to liberate all China. The slogan "Go across the Yangtze River and capture Chiang Kai-shek alive" often resounds through the troops and floats to the fields with the wind.
Only then did I understand the meaning behind the four changes in five months. It turned out that the superior leaders had planned to prevent our guerrillas from becoming field troops one step at a time, so they were divided into multiple steps.
After becoming a field army, Zhu Muping, the head of the team, became more and more busy, often going out for meetings and organizing soldiers’ training. Although we are in the same group, Zhu Muping and I don’t meet much and know each other very little. In the Yuntai Mountain War, he left me the impression that he was courageous, brave and not afraid of sacrifice. At that time, some soldiers secretly gave him a nickname "rash fellow" behind his back. During the rest of the army, with the increase of contact opportunities with each other, I learned a lot about my colonel’s experience and filled me with high respect for him.
Zhu Muping took part in the revolution as early as 1932, when he was only 20 years old and was still a young student in Xiangshuikou Middle School. Because an underground party member was arrested and gave up the list, Zhu Muping had to avoid Shanghai. In Shanghai, he served as the secretary of the street league branch, promoting revolution among unemployed workers in the name of doing small business. In mid-January 1934, Zhu Muping was arrested. But the enemy didn’t know his true identity, and after several tortures, he got nothing, so he had to be sentenced to one year and three months as a suspect. After he was released from prison, Zhu Muping’s brother-in-law took him back to his hometown in Lianshui.
Zhu Muping’s military struggle career began in Lianshui. "We don’t have the feudal power of landlords. They have guns. We can’t do without guns. If there are bad guys, we must use guns." Zhu Muping began to unite the youth of the village, and concentrated the local steel guns to prevent bandits, forming the first local armed forces. In 1936, he also took advantage of the opportunity of the Kuomintang to recruit instructors to train able-bodied men, and went to Bailugou as an instructor for several months to study military affairs. In 1939, Lianshui was occupied by the Japanese army, and Zhu Muping formally set up a team and set up a guerrilla group, which later became one of the three old foundations of the 270 th Regiment.
In War of Resistance against Japan, he served as the district head and battalion chief of Lianshui Ma Duo, in charge of military affairs. Zhu Muping often moves at night, and comes and goes at night with only one or two guards. He is often used to wearing a dark gray robe, tying his waist with a belt, putting a gun in his clothes and leaving. When encountering enemies, spies and secret agents, Zhu Muping showed no mercy and was shot on the spot.
At that time, what the people in Lianshui hated most was Shao Xiaoxi, the captain of the pseudo-self-defense. Zhu Muping and others decided to make an example of this traitor. In the late spring of 1939, Shao Xiaoxi appeared on the streets of Lianshui, watching while walking, and grabbing at the things on the street stalls. When he left the sentry at the gate of the city for more than 70 meters, Zhu Muping quietly appeared behind him, and two shots were fired, and Shao Xiaoxi was killed on the spot.
Although he has done underground work, led guerrillas to fight some battles and went deep into the den to exterminate traitors, Zhu Muping still feels that he has never fought a big battle. Whenever there was a big or small battle, he volunteered to his superiors and led the team to battle. On the battlefield, he never took the command in the town, but took the lead and charged in the bullets.
Before the end of the rest of the troops, Zhu Muping took time to go to Huaiyin to visit some old comrades-in-arms in the military division. When saying goodbye to every comrade-in-arms, he left a word of "Goodbye in Jiangnan" to his comrades-in-arms with a cheerful expression. No one expected that this turned out to be a farewell speech with his comrades-in-arms.
On November 4th, the Golden Rooster Award of the 36th Chinese Film was announced in Xiamen, Fujian. Tony Leung Chiu Wai (first from left) won the Best Actor Award. Xinhua News Agency reporter Wei Peiquan photo
Xinhua News Agency, Beijing, December 19 (Reporter Leon) The cold wave struck, and the somatosensory temperature in Beijing has dropped below minus 10 degrees Celsius, but it can’t stop people from watching movies at the end of the year. In the Capital Cinema, which is located in Xidan business district in the city center, the prime-time sales of popular New Year movies are tight.
According to the data of Cat’s Eye, the box office revenue of China in 2023 was 52.9 billion yuan as of December 18th. The annual box office jumped from about 30 billion yuan last year to more than 50 billion yuan this year, setting a new box office record since 2020, indicating that the film industry in China is accelerating its recovery.
At present, the top ten in the annual box office list are all domestic films. The box office data released by the film data platform since 2011 shows that domestic films have won the top ten annual box office only once before in 2020. Analysts pointed out that behind the growing popularity of domestic films is the overall progress of China films — — Domestic films are more and more close to the aesthetic needs of the audience.
In 2023, China’s box office revenue exceeded 50 billion yuan on November 13th. Industry insiders predict that the annual box office revenue will eventually reach around 55 billion yuan. Although it is lower than the historical highs of more than 60 billion yuan in 2019 and 2018, it is equivalent to the level in 2017 and will be the fourth or third highest annual box office in China film history.
"This shows that the film market has generally recovered, and both the film supply side and the audience demand side are gradually returning to the pre-epidemic level." Liu Peng, president of Cat’s Eye Research Institute, a box office data analysis agency, told Xinhua News Agency.
Looking back on the whole year, the Spring Festival in 2023 performed well, with the box office exceeding 6.7 billion yuan, making it the second highest box office in China film history, only lower than that in 2021. The summer file is particularly eye-catching, with the box office reaching 20.6 billion yuan, creating the first record of China’s summer file box office breaking through the 20 billion mark. The National Day box office was 2.7 billion yuan, although it was inferior to the 4 billion yuan in the National Day file for three consecutive years from 2019 to 2021, but it was higher than the 1.5 billion yuan in 2022.
On June 9th, the crew of the film "Feng Shen Part I" appeared at the red carpet ceremony of the 25th Shanghai International Film Festival. Xinhua News Agency reporter Xin Mengchen photo
The types of films are rich and the themes are diverse. Among them, "Man Jiang Hong" and "Wandering Earth 2" aroused the feelings of home and country; The realistic movies "Put all your eggs in one basket", "She Disappeared", "In an octagonal cage" and "Rock-solid" are highly topical and close to life. Feng Shen Part I is praised as a masterpiece of China people’s own epic myth, while Three Wan Li in Chang ‘an tells a new antique story from a unique perspective.
"On the whole, China films adhere to the realistic line, absorb the tradition of legendary narration of China films, communicate and interact with the mainstream audience more closely, and constantly improve the industrialization of films, which has contributed to the overall progress and development of China films." Rao Shuguang, president of China Film Criticism Society, believes that film consumption in China is showing a good trend of recovery growth.
As of December 16th, the data of Lighthouse Professional Edition, a movie data platform, shows that 83% of the box office in China in 2023 was contributed by domestic movies, and the top ten in the box office list were all domestic movies. The Hollywood film Fast and Furious 10 ranks 12th with a box office income of 980 million yuan, which is the highest ranked foreign film.
According to industry observers, the attraction of Hollywood movies to China movie audiences is weakening, corresponding to the increasing attention of domestic movies.
"Hollywood mainly relies on Marvel Comics films and series of films. Although these films present powerful audio-visual wonders, they have also caused aesthetic fatigue to China audiences over time." Rao Shuguang analyzed, "At the same time, American movies lack internal connection with China people’s lives, and it is difficult to cause empathy."
Liu Peng believes that Hollywood films are good at industrialization and visual effects, while domestic visual effects blockbusters have become common in recent years. "If Hollywood films don’t have strong word-of-mouth support, rich and diverse domestic films are a natural choice for audiences".