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]

　　Seimi Zhang, June 4 (Xinhua) Recently, the word "stall economy" has been completely popular, and the number of related Weibo topics has exceeded 600 million. Many places have set up vendors’ standard points to encourage the development of stall economy.

　　Set up vendors’ standard points in many places to develop stall economy

　　According to incomplete statistics, up to now, there are at least Shanghai, Jinan, Nanning, Zhengzhou, Nanjing, Chengdu, Hefei, Xiamen, Shaanxi, Liaoning, Jiangxi, Gansu, Changchun, Hangzhou, Changsha, Shijiazhuang, Nanning, Qingdao, Yichang, Huanggang, Deyang, Panzhihua, Guang ‘an, Nanchong, Ziyang.

　　Data map: stall economy. Zhongxin jingwei photo

　　Ying Xiwen, head of the macro-regional research team of the People’s Bank of China think tank, pointed out in an interview with Zhongxin Jingwei client that the stall economy has always been a "gray zone" in China’s urban economy, and its existence has certain rationality, which has alleviated the employment pressure to a certain extent, promoted the development of the tertiary industry, and at the same time activated the market and stimulated economic development.

　　Zhang Zhixin, an associate professor at the School of Urban Economics and Public Administration of Capital University of Economics and Business, told the client of Zhongxin Jingwei that liberalizing the development of stall economy can meet people’s consumption demand, especially during the epidemic period, stall economy brings convenience to people’s shopping, and at the same time increases the fireworks in the city, which also meets the current requirements for epidemic prevention and control.

　　The first Shanghai Nightlife Festival was launched on June 6th.

　　On June 3rd, the press conference of Shanghai Municipal Government revealed that Shanghai will hold the first Shanghai Nightlife Festival from June 6th to June 30th. Create a new image of night Shanghai with fireworks, Shanghai flavor, fashion trend and international style.

　　In addition, recently, Shanghai Urban Management Law Enforcement Bureau formulated and issued the Guiding Opinions of Shanghai Urban Management Law Enforcement Bureau on Optimizing the Business Environment, and Shanghai will support the development of new consumption formats. Promote the economic development of the night market, cooperate with local governments and relevant administrative departments to scientifically set up the night market, guide the night market to implement the management subject and implement merchant autonomy. Support specialty stores to carry out "external placement" operation, and implement refined management of external placement time and placement scope.

　　Jinan proposes to develop "small store economy"

　　On June 2nd, Liu Yanqiu, director of Jinan Municipal Bureau of Commerce, said at the press conference held by Jinan Municipal Party Committee and Municipal Government that Jinan would rationally release the street stall economy, and vigorously develop the night economy, promote consumption transformation and upgrading, and increase jobs by upgrading the IP brand of the night economy, cultivating the theme blocks of the night economy, holding special activities of the night economy, and building the brand of the night economy and culture.

　　Jinan also proposed to develop "small store economy", optimize the access process of "small stores", shorten the time limit for examination and approval, and guide various formats to extend business hours; Support catering stores to increase snack categories and rest places to increase consumers’ stay time; Moderately allow businesses to make personalized shop signs, shop signs, beautiful Chen and street artists to sing, and increase the employment opportunities of urban residents.

　　Nanning makes it clear that minor violations of urban management laws and regulations will not be punished.

　　On June 2nd, the headquarters office of "Beautiful Nanning Clean, Smooth and Orderly Action" issued "Guiding Opinions on Doing a Good Job in Services such as Occupation Management, Road Market and Mobile Vendors", which came into effect on the 2nd and is valid until December 31st this year.

　　The "Opinions" clarify that in order to protect the economy, temporary stalls are allowed to be opened near residential concentrated areas to guide self-produced and self-sold farmers and mobile vendors to regulate their operations; Encourage the use of idle areas inside and outside the community, set up temporary stalls, and where conditions permit, set up the morning market and night market. The "Opinions" also make it clear that enterprises and operators will not be punished for minor violations of relevant laws and regulations on urban management due to their production and business activities. In principle, no booth fee, booth rent and other fees will be charged to operators and mobile vendors who occupy the roads in permitted areas.

　　Demonstrative zones of night economic agglomeration are arranged around Zhengzhou.

　　On June 2nd, Zhengzhou issued "Opinions on Implementing People-Centered Development Thought and Doing Better Work for the People", in which it was mentioned that each county (city, district) and development zone should rationally arrange one or two demonstration zones of "night goods, night shopping, night appreciation, night tour and night health" and hold one or three night economic theme activities. To carry out the selection of night economic activities in counties (cities, districts) and development zones, the municipal finance will reward the top three with 1 million yuan, 800,000 yuan and 500,000 yuan respectively.

　　On the evening of June 2, Zhengzhou Jiankang Road Night Market was very lively. Zhongxin jingwei photo

　　In addition, all counties (cities, districts) and development zones in Zhengzhou should clearly plan their distribution, implement management measures, make full use of public places such as squares and parks and idle land, and set up bazaars and characteristic flea markets according to the principles of fixed time, fixed place, fixed format, fixed expenses and fixed management.

　　Nanjing added 1,410 temporary outside stalls.

　　On May 1st, Nanjing Urban Management Bureau issued "Guiding Opinions on Doing a Good Job in Service Management of Temporary Outside Stalls during Epidemic Prevention", requiring that obvious signs should be set up in temporary outside areas, stalls should be numbered, business items, business hours and safety tips should be publicized, and garbage should be collected separately at the site.

　　On the basis of the existing 3,400 temporary stalls, Nanjing Urban Management Bureau added 134 temporary external stalls in the city this year. The area, scale and time period of setting up temporary external stalls in this opening need to be reviewed by the urban management departments of all districts. The urban management law enforcement department will resolutely investigate and deal with illegal acts such as occupying roads and unlicensed mobile stalls.

　　Chengdu plans a more elaborate stall policy version 2.0

　　On March 14th, Chengdu issued "Chengdu Urban Management Five Permits and One Persist in Coordinating Epidemic Prevention and Control to Help Economic Development". On the premise of ensuring safety, not occupying blind roads and fire exits, not infringing on the interests of others, and doing a good job in epidemic prevention and control, cleaning and sanitation, it is allowed to set up temporary stalls, allow street shops to operate outside the door, allow large shopping malls to carry out occupation promotion and allow mobile vendors to sell. As of May 28th, Chengdu has set up 2,230 temporary road stalls and stalls, allowing 17,147 temporary crossing points and 20,130 mobile vendors, increasing employment by more than 100,000 people.

　　According to the Chengdu Urban Management Committee, Chengdu is planning a more precise and precise version of the policy 2.0, so as to realize the organic unity of standardized and orderly occupation of roads, clean and tidy city environment, convenient and fast life for citizens, more active urban consumption and stronger market atmosphere.

　　Hefei stalls are divided into "forbidden areas" and "diversion areas"

　　The setting area of Hefei stalls is divided into "forbidden area" and "diversion area". Among them, the "forbidden area" refers to the main roads, window units, squares, bridges (including footbridges), underground passages, the periphery of office areas, the entrance and exit of the campus within 100 meters, and other areas where stalls are not allowed to be set up as stipulated by laws and regulations. In addition to the forbidden areas, the areas outside the forbidden areas shall be demarcated by the district governments and development zone management committees and announced to the public without affecting the lives of citizens and traffic, and shall be standardized and managed according to the standards.

　　There are 37 stalls in the "grooming area" to provide convenience for the public. In addition to 37 temporarily defined stalls, there are some seasonal or temporary convenience stalls in Hefei, mainly including watermelon temporary sales outlets, breakfast carts, kiosks and so on.

　　Xiamen has been trying out the "booth" since 2019.

　　Since June last year, the trial of "booth" has been carried out, and 50 "booth" of various types have been built in Xiamen, providing 1150 booths. In addition to the autonomy of business households, urban management and law enforcement departments also cooperate with relevant responsible units to do a good job in food safety and environmental sanitation management at these "stalls".

　　Xiamen Urban Management and Law Enforcement Bureau said that it will further communicate and coordinate with relevant departments, make full use of idle venues, roads with few cars, beaches, etc., and establish flea markets, gourmet streets, fruit markets, etc. in a time-limited manner to bring more mobile vendors into orderly management.

　　For the first time at the provincial level in Shaanxi Province, the "Four Permits" for occupying roads were put forward.

　　On May 27th, Shaanxi Province issued a notice, proposing that "street shops in urban areas should be allowed to operate without affecting pedestrian access and ensuring safety, large shopping malls should be allowed to occupy the road for promotion, temporary stalls should be opened in residential areas, and mobile vendors should be allowed to occupy the road for operation at a certain time and area". This is the first time at the provincial level in Shaanxi Province that the "four permits" on the occupation of roads have been put forward.

　　At the same time, Xi ‘an plans to set up 100 vegetable morning markets, 100 night market barbecue centralized management areas and 100 temporary food stall sites this year.

　　Spreading economic related topics into hot search professional households

　　Source: Weibo screenshot

　　In the past few days, Weibo topics such as # Street Economy # # Urban Management called vendors to set up stalls # # Street Cars # have been on the hot search list. As of 23: 30 on June 3, the reading volume of # Street Economy # Weibo topic has exceeded 630 million, with more than 100,000 discussions.

　　Source: Weibo User Comments Screenshot

　　Spread the economic fire all over the country, all over the network. Netizens have said: "It is suggested that every city should leave some places for stalls, not sneaking stalls but civilized stalls, which will not affect traffic and the environment, but also increase income." "Stalls, night markets, so fireworks, like it." "The stall is really convenient and affordable and gives the community a sense of life."

　　Source: Weibo User Comments Screenshot

　　At the same time, netizens have also given advice to the economic development of the stalls: "The bottom line of maintaining hygiene, exclusive areas and food safety should also be adhered to." "It is allowed to set up stalls, but it can’t be arbitrarily placed, and a new harmonious and win-win economic order will be established." "Don’t overdo it, don’t be across the board."

　　Expert: Letting go of the stall economy does not mean letting go of responsibility.

　　During the development of stall economy, it is inevitable to cause some urban management problems, such as sanitation and pollution, traffic congestion, noise disturbing people, insecure commodity quality and safety, social security and tax evasion.

　　The essay suggests taking this opportunity to solve the long-standing problem of standardizing stall economy in one fell swoop. The first is to register and manage the practitioners in the stall economy. The second is to limit the space and time of operation to avoid affecting traffic. The third is to strengthen the control of health pollution and establish an emergency management system for epidemic prevention. The fourth is to set up a service quality supervision mechanism to protect consumers’ rights and interests. The fifth is to improve management efficiency with the help of Internet thinking, such as online application, registration and tax filing.

　　Zhang Zhixin said that letting go of the stall economy does not mean letting go of the responsibility, nor does it mean giving up the law. In terms of food safety, environmental pollution and other aspects related to the vital interests of the people, urban law enforcement departments must investigate reports, investigate violations and enforce the law strictly. But at the same time, we should avoid overcorrection and one size fits all. (Zhongxin Jingwei APP)

People’s Daily editorial on January 1st:

Fully promote the construction of a strong country and the great cause of national rejuvenation with confidence and Chinese modernization

-New Year’s Day dedication

Years engrave glorious dreams and strive to draw magnificent pictures. After an extraordinary year of 2023, we have ushered in a brand-new year.

刚刚过去的2023年，是全面贯彻党的二十大精神的开局之年，是三年新冠疫情防控转段后经济恢复发展的一年。这一年，历程波澜壮阔。面对国际政治经济环境不利因素增多、国内周期性和结构性矛盾叠加的错综复杂形势，以习近平同志为核心的党中央团结带领全党全国各族人民，顶住外部压力、克服内部困难，积极推动经济持续复苏，有序推进党和国家机构改革，有效应对局部地区自然灾害，积极推进对外开放、科技创新、绿色发展，坚定维护国家主权、安全、发展利益，牢牢把握发展主动权。这一年，成绩有目共睹。神舟十六号、十七号载人飞船翱翔寰宇，中国－中亚峰会、第三届“一带一路”国际合作高峰论坛成功举办，成都大运会、杭州亚运会精彩纷呈，全国粮食总产量创历史新高，连续9年保持在1.3万亿斤以上，我国经济总体回升向好，高质量发展扎实推进，现代化产业体系建设取得重要进展，新质生产力加快形成，改革开放向纵深推进，安全发展基础巩固夯实，民生保障有力有效，中国特色大国外交扎实推进，全面建设社会主义现代化国家迈出坚实步伐。一年来的实践再次证明，“两个确立”对于我们应对各种风险挑战、推进中国式现代化建设具有决定性意义。

看似寻常最奇崛，成如容易却艰辛。新时代以来，面对涉滩之险、爬坡之艰、闯关之难，以习近平同志为核心的党中央团结带领亿万人民迎难而上、知难而进，成功推进和拓展了中国式现代化，不断丰富和发展人类文明新形态，为强国建设、民族复兴伟业提供了更为完善的制度保证、更为坚实的物质基础、更为主动的精神力量，中华民族伟大复兴展现出前所未有的光明前景。从打赢人类历史上规模最大的脱贫攻坚战，实现小康这个中华民族千年梦想，到打响改革攻坚战，推动许多领域实现历史性变革、系统性重塑、整体性重构，再到全方位、全地域、全过程加强生态环境保护，让天更蓝、山更绿、水更清……新时代历程极不寻常、极不平凡，新时代成就鼓舞人心、催人奋进。事实雄辩地证明，中国式现代化走得通、行得稳，是强国建设、民族复兴的康庄大道。

使命如炬，初心如磐。一百多年来，我们党团结带领人民所进行的一切奋斗，就是为了把我国建设成为现代化强国，实现中华民族伟大复兴。党的二十大擘画了全面建设社会主义现代化国家、以中国式现代化全面推进中华民族伟大复兴的宏伟蓝图。习近平总书记指出：“以中国式现代化全面推进强国建设、民族复兴伟业，是全党全国各族人民在新时代新征程的中心任务。”前进道路上我们深知，全面建设社会主义现代化国家寄托着中华民族的夙愿和期盼，凝结着一代代人的汗水，我们的前途一片光明，但脚下的路不会是一马平川，必然会遇到各种可以预料和难以预料的风险挑战，必须准备付出更为艰巨、更为艰苦的努力。2024年是中华人民共和国成立75周年，是实施“十四五”规划的关键一年。面向未来，我们要把推进中国式现代化作为最大的政治，把坚持高质量发展作为新时代的硬道理，在党的统一领导下，凝心聚力、踔厉奋发，坚定不移朝着强国建设、民族复兴的宏伟目标奋勇前进。

新征程上，让我们锚定既定目标，增强历史主动。中国式现代化是中国共产党领导的社会主义现代化，习近平总书记强调：“党的领导直接关系中国式现代化的根本方向、前途命运、最终成败。”我们要毫不动摇坚持党的领导，坚持把远大理想和阶段性目标统一起来，树立世界眼光，胸怀“国之大者”，把历史、现实、未来贯通起来，把中国和世界连接起来，在历史前进的逻辑中前进，在时代发展的潮流中发展，不为任何风险所惧，不为任何干扰所惑，始终沿着正确方向坚毅前行，扎实推进中国式现代化建设。

新征程上，让我们团结一心奋斗，凝聚磅礴力量。中国式现代化是全体人民的共同事业，人民是中国式现代化的主体，必须坚持全体人民共同参与、共同建设、共同享有，紧紧依靠全体人民和衷共济、共襄大业。以中国式现代化的美好愿景激励人、鼓舞人、感召人，调动一切可以调动的积极因素，团结一切可以团结的力量，推动广大党员干部群众心往一处想、劲往一处使，满腔热忱地投入到中国式现代化建设中来，让现代化建设成果更多更公平惠及全体人民，就一定能使中国式现代化拥有最可靠、最深厚、最持久的力量源泉。

新征程上，让我们坚持实干笃行，勇于攻坚克难。中国式现代化既是最难的，也是最伟大的。我们面临的各种斗争，不是短期的而是长期的，将伴随实现第二个百年奋斗目标全过程。惟其艰难，才更显勇毅；惟其笃行，才弥足珍贵。我们要在机遇面前主动出击，在困难面前迎难而上，在风险面前积极应对，以愚公移山的志气事不避难、义不逃责，以滴水穿石的毅力真抓实干、埋头苦干，在新时代新征程上铸就新的时代华章、创造新的历史伟业。

大有大的样子，大有大的担当。习近平总书记强调：“我们追求的不是中国独善其身的现代化，而是期待同广大发展中国家在内的各国一道，共同实现现代化。”中国式现代化既造福中国人民，又促进世界各国现代化，是中国谋求人类进步、世界大同的必由之路。我们将坚定站在历史正确的一边、站在人类文明进步的一边，高举和平、发展、合作、共赢旗帜，弘扬全人类共同价值，推动构建人类命运共同体，推动落实全球发展倡议、全球安全倡议、全球文明倡议，同各国人民携手共创人类的美好未来。

力量在坚定信心中汇聚，目标在拼搏进取中实现。习近平总书记指出：“团结就是力量，信心赛过黄金。”以中国式现代化全面推进强国建设、民族复兴伟业，我们信心十足、力量十足。更加紧密地团结在以习近平同志为核心的党中央周围，全面贯彻习近平新时代中国特色社会主义思想，深刻领悟“两个确立”的决定性意义，增强“四个意识”、坚定“四个自信”、做到“两个维护”，坚定信心，振奋精神，不懈奋斗，全面建成社会主义现代化强国的目标一定能够实现，中华民族伟大复兴的中国梦一定能够实现。

栏目主编：赵翰露

文字编辑：卢晓川

本文作者：新华社

题图来源：上观题图

图片编辑：徐佳敏

　　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".

At 1 am on October 30th, Beijing time, in the 10th round of Serie A in 2023-24, Inter Milan played against Rome at home. In the first half, Charles Hanoglu shot and hit the doorframe; In the second half, Thuram scored the winning goal in the 81st minute, and Augusto hit the crossbar again. In the end, Inter Milan beat Rome 1-0, overtaking Ewan and rising to the top of the standings.

In this game, Roma coach Jose Mourinho was unable to play against his old club because of suspension, but Lu Kaku appeared in the starting lineup of Rome, and he was booed by tens of thousands of Inter fans at Meazza Stadium.

In the 6th minute, Char Hanoglu blasted a long-range shot in front of the restricted area, and the ball bounced back after hitting the doorframe. Then Thuram’s barb hit the door and the goalkeeper got it. In the 7th minute, Inter’s left corner kicked into the restricted area, and lautaro’s header was not strong enough, so the goalkeeper confiscated the ball.

In the 15th minute, dumfries made a cross from the right, Thuram’s header hit the defender, and then his stab was blocked by the goalkeeper. In the 16th minute, Di Marco’s shot on the left side of the restricted area missed the far post.

In the 24th minute, mkhitaryan received the clearance ball before the top of the arc and volleyed it high. In the 38th minute, dumfries made another cross on the right, and pawar, who was inserted into the restricted area, volleyed his right foot and missed. In the 45th+3rd minute, varela got the chance to volley in the restricted area, and the ball was higher than the crossbar. At the end of the first half, neither team scored.

In the second half, it was easy to fight again. In the 48 th minute, Inter Milan’s free kick was hoisted into the penalty area, and Thuram’s header was high.

In the 59th minute, varela crosses the restricted area, Thuram returns the ball in the chest, lautaro volleys with his right foot, and the ball bounces to the ground and is hugged by the goalkeeper. In the 65th minute, Rome won a free kick in front of the penalty area, and chaaraoui took the penalty and hit the wall. Two minutes later, Charles Hanoglu blasted a long-range shot in front of the restricted area, and the ball hit the defender and crossed the bottom line in disguise.

In the 76th minute, Aslani took the ball in front of the restricted area. When he saw that no one had come forward to block it, he hit a long-range shot, and the ball slightly missed the post.In the 81st minute, Di Marco crossed the ball on the left side of the frontcourt, and Thuram, who was inserted into the middle of the restricted area, grabbed the ball and scored a goal. Inter Milan led Rome 1-0.

In the 89th minute, Augusto made a cross on the left side of the frontcourt. Thuram’s outflanking shot in the middle missed. In the 90th minute, Augusto made a long-range shot in front of the restricted area, and the ball hit the crossbar and popped up.

In the end, the whole game ended and Inter Milan beat Rome 1-0.

On my social media, that photo appeared again and again. A young woman was lying in a hospital bed, unconscious, with a breathing tube in her mouth. Her thick black eyelashes and curly black hair outline her young face. The post is written in Persian, and my mastery of this language can only be regarded as a primary level. I brushed these posts and continued my daily routine: seeing a doctor, teaching, and constantly urging my 17-year-old daughter Laila to fill out her college application.

As the days passed, the story became well known. The photo shows Mahsa Gina Amigny, a 22-year-old girl who has just been admitted to the university. While vacationing with her family in Tehran, she was detained by the "moral police" because of her loose headscarf. In the detention center, she was beaten and taken to the hospital, and eventually died of her injuries. Her dream was to become a lawyer, but she was disillusioned by a wisp of floating hair.

The news of her death spread through a photo. It was a photo of her parents hugging and crying in the hospital, which was shared by a reporter on Twitter. This tweet caused widespread protests, led by girls and women. My news source has become an ocean of photos of young girls. They wear black eyeliner like my daughter Lila-in the video, they laugh, cook and dance. However, many of them, Billera is still young, so they disappeared and even were murdered.

Iran was not like this. The Islamic Revolution in Israel in 1979 overthrew an oppressive monarchy and promised freedom. But from the perspective of my third-grade student at that time, everything became more depressed as time went by. Schools have become single-sex and headscarves have become mandatory. It started as a scarf, and later it became "Manteo", a loose, knee-length raincoat-like coat. But the color can only be brown, black, gray or navy blue. Pants must be worn below. Schools check from time to time, and moral police in the street look for people who violate the rules. If you are caught, you will be whipped.

In 1984, we pretended to attend a medical conference and fled Iran. We each took only one suitcase. It was not until a few hours before we boarded the plane that I knew we were leaving and would never come back. In Massachusetts, I started my eighth grade life. My Iranian part was sealed up by me-until last autumn, which forced me to recall those times.

I remember soldiers knocking at the door and searching for counter-revolutionary materials. They sat on my parents’ bed and quickly played all our videos backwards. Mostly Pink Panther, but those men don’t find it interesting.

I remember cutting my hair short and pretending to be a boy so that I could ride a bike without being bound by a headscarf. One day, I inadvertently put on pink shorts and exposed my girl identity. When those Nissan patrol cars chased me, I understood the meaning of "fight or flight". I escaped.

I remember the consequences of intellectual dissent. My aunt was expelled from dental school because she was accused of reading opposition newspapers. My cousin was forced to "repent" on TV and then executed. Another cousin was imprisoned many times because of his faith. He had cigarette burns on his arm and his nails were pulled out. He finally escaped, but his wife was killed at the age of 21.

Those memories are like dreams, awakened by images on social media. Girls and women in the video, screaming "Zan, Zendegi, Azadi"-"Women, Life, Freedom", bravely walked towards bullets and batons. Every day, the number of deaths and arrests is increasing.

A 52-year-old surgeon protested against the arrested protesters and the use of ambulances to transport security forces at a rally in front of the headquarters of the Medical Association. The doctor’s name is Parisa, and it is said that he was later shot and killed by agents.

All this makes my heart ache, and so does the silence around me. I live every day like a machine, thinking about all the unfairness. Why are people like Laila free to apply for universities and express their opinions, while girls in Iran are subjected to unspeakable punishment for demanding basic human rights?

I can take care of patients. But in Iran, my colleagues are threatened by taking care of injured protesters. They were held in solitary confinement and even murdered. Dr. Ida Rostami, 36, bravely provided treatment for injured protesters. She told her mother that she was coming home, but she never came back. When the police asked her mother to identify the body, they said that Ida had died in a car accident. But her body tells a different story. Her eyes were removed, her face was smashed, and her hand used to treat patients was broken.

So is Dr. Parrisa Bachmani. The official report said that she died in a car accident. The story repeats itself again and again. Protesters disappeared and were later reported to have jumped off a building or died in a car accident. I feel lonely and out of touch with the community. That was my home for 25 years.

One Wednesday, I met an Iranian-American colleague in the clinic corridor. Where the patient was waiting, we were in tears. We started to hold Zoom meetings every week to support each other. Campus communities have also become active. Everyone is involved, from young female postdoctoral fellows who have just arrived in the United States to retired professors. Our reaction is direct and strong. Usually calm men and women cry.

We ask the non-Iranian community to support us. They did it. Every message, email, signature and solidarity has become our strength. The community stands up, speaks, and amplifies our voices. At such an easier time to be silent, they chose to stand on our side.

As the Persian poet Saadi wrote in Bani Adam a thousand years ago, human beings are like a body, and everyone is a part of the body, created by the same essence. When one part is injured, the other part can’t be safe. If you are indifferent to the suffering of others, you are not worthy of being human.

A quarter of doctors in the United States are international graduates. Our roots are all over the world, spanning generations. Our sense of belonging comes from embracing all forms of humanity. See the injured people and stand beside them. Send text messages of support and sign petitions. Whether for Iran, Ukraine, Afghanistan, Turkey or Sudan, these actions connect us like a part of the body.

# Iran #

It’s been eight days since the Tokyo Olympic Games ended.

The national team won 38 gold medals, 32 silver medals and 18 bronze medals, which made us feel the strength of our motherland.

The athletes who returned to China for isolation have never been idle.

Trampoline champion Zhu Xueying took a yoga mat and a yoga ball with her, and even set up a mini trampoline beside the bed. I have to say, it was a champion.

Li Fabin, a weightlifting champion, practiced handstand with only two boxes of water, as if in a gym.

Wang Shun, who won the 200-meter medley, squatted and stood up without any equipment …

As long as people who really want to exercise, not to mention that there is no venue and no equipment, it is the most difficult isolation period, so it does not hinder.

Don’t blame netizens for commenting:"In the future, my unconditional excuses for exercising at home are gone."

We have long known that we are often beaten in the face. Many times we are tired, stressed, and have a headache and brain fever, which are just rhetoric and have nothing to do with the exercise itself.

The hardest thing about exercise is not the process of doing it, but the decision to do it.

When you really start exercising, you will find that it is too cured!

A while ago, there was a way to exercise while playing mobile phones on the Internet:

You can lie on your stomach and lie down, paralyzed in various positions, as long as you move your legs, it looks relaxed.

But the people who really tried it said this:

"I don’t want to move after two moves. I want to play with my mobile phone quietly."

"As soon as I lie in bed, I really don’t want to move."

"I have to raise my mobile phone, my arm is too tired …"

It doesn’t take long or much trouble to exercise in a down-to-earth manner. On the contrary, the more you think about being lazy and don’t want to move, the harder it will be to move in the future.

Sometimes, fatigue is not the amount of activity, but perhaps nothing.

Sometimes, it is not because you are tired that you lie down, but because you lie down.

Fatigue and burnout have long been a modern disease.

I have seen a post: "What kind of experience is it to exercise for an hour every day?"

Answer that the Lord goes to work normally every day, and he is indescribably tired, even when he returns home.

He is introverted. He can either go to the bookstore on weekends, play games, and occasionally get together for dinner, all of which can be done for half a day.

However, his physical foundation is already thin, and with high-intensity work, it is almost impossible to cope easily.

Until he made up his mind and set himself an exercise plan.

Practice bench press, back pull and leg flexion and extension.

There is an action called Dumbbell Flying Birds, which requires lying on a stool, stepping on the floor with two feet and reaching out with dumbbells in both hands. It is very standard to do it.

He persisted for 10 months, got rid of fat and got abdominal muscles, and the whole person changed.

The diet is more and more regular, and when I get home every day, my face is no longer tired.

After exercising, I found that those things that once tired him to death were nothing more than that. Besides work, I could do things I like, fall in love, and do a lot.

It used to be said that if you don’t die, you won’t die, and if you don’t shout tired, you won’t be tired. Later, I found out that those tired reactions are all your real physical state.

Enough physical strength, fatigue won’t last long.

Never stop until you like sports.

When you feel the thrill of exercise, you don’t want to stop, especially when you taste the sweetness.

After all, this is the best relaxation.

People who exercise for a long time can easily understand:My brain has become clear.

This is not a coincidence, but a necessity.

A study in the United States shows that,

Middle-aged people do 75 minutes of moderate and high-intensity exercise every week, which is very effective in promoting brain health and maintaining brain structure.

The risk of brain lesions and cerebral infarction in old age will also be greatly reduced.

The most direct benefit is to do things more smoothly.

The amount of information we receive every day is huge, which is difficult for our brains to digest.

When reading a book, I can’t concentrate. After watching a small video for 3 seconds, I unconsciously want to cross it away, let alone really meet something, which requires deep thinking.

The brain is like every part of the body. If you use it too hard at a time, it will strike.

It will become stronger with constant exercise.

Tao Hong, an actor, accidentally entered the show business at the age of 22. He just made a play and was admitted to the Central Academy of Drama with full marks. She is the first student to get full marks in Chinese opera.

Before she was 30 years old, she became the winner of the Golden Rooster Award and the China Watch Award.

When she retired, she was silent. Two years ago, a film "Little Joy" became a big fire again. Even Bo Huang praised her: "She is a very smart person."

She was on the synchronized swimming team when she was very young. Even after retiring as an actress, she often practiced water yoga. Pilates, morning running, never broken.

After exercise, everything is easy to do.

If you don’t think it’s enough, you can look at Academician Zhong Nanshan, now 85 years old, who is still fighting against the epidemic when Delta virus spreads.

He fought against SARS at the age of 67 and studied COVID-19 in recent two years. His mind never stopped.

In these years, he is either treating people or on his way to treat them.

He also exercises three times a week for decades to make his brain run at high speed.

Even when he is on a business trip, he will take a stretcher and do some simple exercise. There are dumbbells and treadmills at home, and everything is available.

There is no one with a simple mind, developed limbs and a truly developed mind, and the limbs will never be simple.

Envy others’ Excellence, envy others’ ease, but I don’t know that kung fu is behind me.

Living clearly and working clearly are all in sports, which has created a strong mind.

The exercise you are doing now has surprises waiting for you in the future.

When a person is tired physically, he can rest, his brain is tired, and he can relax, most afraid of being tired.

Your state of mind directly determines your state.

Psychology has long been studied, and people who exercise regularly are much less likely to suffer from depression.

For everyone who works hard, the mentality is something that can be adjusted.

Some netizens shared her experience when she was unemployed, and she could collapse at any little thing.

A colleague who squeezed her out everywhere before leaving her job was promoted to the leadership. She was treated as an idiot and made a particularly unpleasant noise before leaving.

She was depressed for a time, so she didn’t look for a job. She was too scared to sleep at night and had to turn on the light.

Occasionally drinking with friends, and staring at the ceiling all night when I come back, I repeatedly doubt myself.

At that time, there was a reality show in the workplace on TV. In the camera, the boy asked the leader, "Am I really bad?"

She sat on the sofa and immediately burst into tears.

It was really difficult to start exercising. She got up the courage to run downstairs, climbed the stairs back and forth with her fat, and soon she gasped and often felt depressed.

Slowly, she began to adapt, increased exercise and went to the gym to practice.

She finally came out of the emotional black hole, and she could meditate by herself, find something to do, and began to enjoy the loneliness of doing nothing every minute.

Even the diet became regular, and she began to cook rich meals for herself, rewarding herself and enjoying every good weather.

When she is alone, she is also in the mood to read books and watch movies, and often makes videos to record her life. She also bought a full set of review materials, and finally had time to read the business English certificate that she had always wanted to take.

When you are at the bottom, you have to fend for yourself.

Doing happy things and thinking from different angles is superficial and most direct, and it depends on exercise.

Dopamine produced by exercise can help you.

Sweating, or the same dilemma, but you unconsciously completed the adjustment.

You don’t have to force yourself to smile, but you have a smile unconsciously.

The fashion blogger @ 发发发发发 said that every day, someone asked her how to stick to sports punching, but in her opinion, only those who don’t like it need to stick to it.

Exercise is just like eating and sleeping, even more enjoyable.

With the good mood gained in sports, even the unhappiness of life can be swept away.

Before we go to the gym, there are always countless hesitations: "It’s raining, it’s too hot, it’s troublesome to work overtime today, have dinner at night and change into sportswear, and the equipment is not ready yet …"

But if you ask those who exercise regularly, they only have one sentence: "Put on your running shoes and set off."

Exercise should not be a kind of suffering.

When the sweat comes down, you will cure all the fatigue, and your body, mind and mood will gradually improve.

Exercise is an investment with the highest rate of return and will not regret it.

Because when you love sports, happiness will love you.

Take the first step and experience a real relaxation.

author | yew, born in 1990, is an iron lady, whose pen can turn into a knife, and her eyebrows and eyes are smiling.

picture | vision china

#2023 Creative Challenge #

Fashion says: wear the end

Fashion is an eternal topic, and everyone wants to wear their own style and personality. However, in the process of wearing, we also need to know some basic principles and the end of wearing, in order to really wear our own style.

1. The end of the coat is solid color. A simple solid color coat can be matched with all kinds of clothes and occasions, which is very versatile, and it is also a necessary item to maintain a professional image.

2. The end of jewelry is gold. The texture and temperament of gold can highlight your personality and taste, and it is also a way to show your economic strength.

3. The end of skin care is minimalism. Simple skin care steps and ingredients can ensure the health and hydration of the skin and avoid the burden of too many ingredients on the skin.

4. The end of hairdressing is black and straight. Black long straight hairstyle has always been one of the classic styles, which can highlight the beauty and mystery of women, and it is also easier to take care of.

5. The end of the sweater is white. White sweater is simple and stylish, and can be matched with various trousers and shoes to make your wearing more diversified.

6. The end of the sweater is white. The white sweater is simple and atmospheric, and can be matched with all kinds of short skirts and jeans to keep you fashionable in winter without losing the warmth.

7. Cowboys are at the end of trousers. Jeans are classic items to wear. They can be simply matched with T-shirts and sneakers, or they can be advanced with shirts and shoes to make your wear more diversified.

8. The end of the long down is black. Black long down can keep you warm and fashionable in winter without losing a sense of high class.

9. The end of the short down is white. White short down is classic and atmospheric, and can be matched with all kinds of trousers and shoes to keep you fashionable in winter without losing a sense of simplicity.

10. The end of the trench coat is khaki. Khaki windbreaker can be matched with all kinds of suits and trousers, which can not only maintain professional image, but also show your fashion taste.

11. The end of fashion is Xiaoxiangfeng. Xiaoxiang style is one of the classics in the fashion world. It is simple and elegant, allowing you to show your taste and style in the workplace and daily life.

12. At the end of the national wind is the cheongsam. Cheongsam is a traditional fashion item in China, simple and atmospheric, which can show your elegance and China cultural heritage.

13. The ends of sports shoes are black and white. Black and white sports shoes are very popular in sports and daily wear, simple and atmospheric, and can be matched with various clothes and occasions.

14. The end of the lotus leaf is pink. Pink flounced clothes are very suitable for women to wear, simple and elegant, which can show women’s femininity and charm.

15. The ends of high heels are red. Red high heels can not only enhance women’s temperament and self-confidence, but also become the highlight and finishing touch of personality collocation.

16. The end of casual shoes is a wild color. Joker-colored casual shoes are suitable for various occasions and wearing styles, so that you can keep a relaxed state.

17. The end of the cotton coat is orange. Orange cotton-padded clothes are very suitable for men to wear, simple and atmospheric, and can be matched with all kinds of trousers and shoes.

18. The end of the leather coat is black. Black leather coat not only has a sense of fashion and personality, but also can enhance your male charm and courage.

19. The dress ends with a V-neck. V-neck dress can show the elegance and beauty of women, and at the same time make your waist line more prominent.

20. At the end of the coat is a fur collar. A fur collar style coat can keep warm and temperament in winter, making you more elegant and fashionable to wear.

21. The end of the turtleneck is black. Black turtleneck can keep you warm and fashionable in winter, without losing a sense of high class.

22. The end of a solid T-shirt is white. A white T-shirt can be matched with all kinds of trousers and shoes, which can be simple and show your fashion taste.

23. The short-sleeved shirt has a bow tie at the end. Bow tie shirts can not only enhance men’s temperament and charm, but also make you look more decent and generous at family gatherings and banquets.

24. The end of the vest is black. Black vest can be used with all kinds of clothes and occasions, which can not only maintain the sense of youth but also show your maturity and stability.

25. The end of the hat is black. Black hat can be matched with all kinds of clothes and shoes, which can not only beautify your appearance, but also keep you warm in winter.

26. The glasses have a black frame at the end. Black-rimmed glasses can show your intellectuality and professionalism, and at the same time beautify your appearance.

27. The end of fruity lipstick is nude. Naked lipstick is simple and atmospheric, which allows you to show your elegance and beauty on any occasion.

28. The end of the small leather bag is black. Small black leather bags can be matched with various occasions and clothes, which can not only facilitate carrying items, but also show your sense of fashion and taste.

29. The end of the big bag is brown. Brown bags can be matched with all kinds of clothes and occasions, which can not only hold more items, but also show you a sense of fashion and atmosphere.

30. The ends of trousers are black. Black trousers can be matched with various occasions and clothes, which can not only show your professional image and professionalism, but also make you feel comfortable and comfortable in your daily life.

# Pay attention to high-grade sense of wearing # # Wear aesthetic dispute # # Fashion top-grade wear # # High-grade sense of overlapping wear sharing # # Share winter dress # # Fashionable fine wear cheats # # Autumn and winter atmosphere wear # # Pragmatic wear # # Autumn and winter fashion expensive sense # # Dress style innovation #

#2023 Creative Challenge #