The workmanship of the new Dodge Ram is completely free from the American roughness, and the edges and seams are carefully handled. Dodge brand still has a certain mystery and appeal. Headlights have been upgraded in an all-round way, and there is no trace of liveliness or charm in the eyes of the new car. There is no doubt that there is a strong and tough style. There is also a front parking assistance system hidden in the fierce and domineering air intake grille, which can detect obstacles 1.2 meters ahead. A brand-new positioning and interpretation of the concept of commercial recreational vehicles for Chinese people.

　　For more information, please call Liu Jingli at 15222407919 "With WeChat".

　　Configuration: (5.7L V8 8-speed automatic transmission equipment group level 1 package: blind spot monitoring Harman audio 19 speakers electric pedal front and rear seat ventilation heating 12-inch touch screen Apple interconnection system USB mobile projection wireless charging 3.21 rear axle ratio rear wheel track anti-skid 20-wheel LED reading light keyless entry one-button start remote tailgate release rear seat sliding adjustment steering wheel heating front seat 8 electric adjustment main driver. Driving memory 7-inch color instrument panel 115V power socket lined with LED fog lamp LED headlight 360 ring shadow brake auxiliary anti-collision system lane keeping system automatic parking) Optional: head-up display, trailer bag, panoramic double skylight, rear seat ventilation and heating, radar ranging, streaming media rearview mirror, rear differential lock, spray explosion-proof lining. For more information, please call Liu Jingli 15222407919 "With WeChat".

　　Specific parameters: vehicle length: 5916mm, vehicle width: 2084mm, vehicle height: 1971mm, cargo compartment length: 1729mm, wheelbase: 3672mm, cargo compartment volume: 1940L, load mass: 835kg, and maximum trailer mass: 3715kg.

　　Dodge Ram instrument panel is made of soft material and wrapped in leather, which makes it feel very comfortable. The inlaid wood ornaments are polished with unpainted logs, and the workmanship is meticulous and exquisite, retaining the texture details of the wood. Completely get rid of the American roughness. The overall shape of Dodge Ram is mainly square, and the fullness is vividly displayed in every link of the vehicle. Especially the front face modeling, exaggerated design gives people a strong visual impact. For more information, please call Liu Jingli at 15222407919 "With WeChat".

　　Dodge Ram leather seat feels very comfortable and delicate, and many details are also very exquisite. The rear seat has ventilation and heating equipment, and is equipped with a small storage toolbox, which shows that the setting of this car is very user-friendly. The design of the Dodge Ram center console looks rigid, but the rich configuration will make you admire it. RAM adopts a four-position multifunctional leather steering wheel, and function keys can control the audio system. For more information, please call Liu Jingli at 15222407919 "With WeChat".

　　As for the transmission system of Dodge Ram, the new car will be equipped with an 8-speed automatic transmission as standard, which will greatly help the fuel economy and smoothness of the car. The three-dimensional size of the Longhorn can only be compared with that of the Raptor and the Smooth Road. The length of 5.8 meters and the width of more than 2 meters are enough to kill the land patrol. The X6, Range Rover and Hummer H2 are all easy.

　　Dodge Ram leather seat feels very comfortable and delicate, and many details are also very exquisite. The rear seat has ventilation and heating equipment, and is equipped with a small storage toolbox, which shows that the setting of this car is very user-friendly. The design of the Dodge Ram center console looks rigid, but the rich configuration will make you admire it. RAM adopts a four-position multifunctional leather steering wheel, and function keys can control the audio system. For more information, please call Liu Jingli at 15222407919 "With WeChat".

　　As for the transmission system of Dodge Ram, the new car will be equipped with an 8-speed automatic transmission as standard, which will greatly help the fuel economy and smoothness of the car. The three-dimensional size of the Longhorn can only be compared with that of the Raptor and the Smooth Road. The length of 5.8 meters and the width of more than 2 meters are enough to kill the land patrol. The X6, Range Rover and Hummer H2 are all easy. For more information, please call Liu Jingli at 15222407919 "With WeChat".

　　Tianjin Bangyu Automobile International Trading Co., Ltd. is a company that sells Mercedes-Benz, BMW, Porsche, Land Rover, Audi,

　　BENTLEY, Maserati, TOYOTA, Lexus and other luxury car brands and high-end car companies, 15222407919 (same as WeChat)

　　Liu Jingli WeChat friends circle updates a large number of new parallel imported cars, configurations, quotations and pictures every day. If you have any questions about buying a car, Tianjin parallel imported car monopoly, I will answer them for you as soon as possible.

　　Our advantage: vehicles can enjoy national warranty, warranty, replacement and return. We have many years of successful experience in customer service and provide you with the best solution that suits you. Commitment: The vehicles sold in our store are brand new and unchanged.

　　Formal procedures, we don’t do the lowest price in the market, there is no guarantee if it is low, and we don’t do the highest price. If it is high, we have no feelings. We only earn what we should earn, pay what we should, do things seriously, and win-win cooperation. We can’t guarantee that you will spend the least money.

　　I can guarantee that you will save the greatest heart and get a win-win situation of quality, efficiency, interests and look forward to the cooperation of every new and old customer! Serve with your heart and pass on trust! I am willing to cooperate with you for a long time.

　　Company name: Tianjin Bangyu Automobile Co., Ltd.

　　For more details of vehicle configuration quotation, please call the following number: 15222407919 Liu Jingli (telephone number is the same as WeChat).

　　Address: No.288 Jingmen Avenue, Bonded Zone, Binhai New Area, Tianjin

　　Disclaimer: The above car purchase preferential information is provided by the comprehensive dealers of this website, and the price fluctuates greatly due to market factors, which is only for car purchase reference; The distributor is responsible for its authenticity, accuracy and legality, and this website does not provide any guarantee or assume any legal responsibility.

The "Good Bad Review" option is juxtaposed with "Online Application, Online Appointment, Online Consultation" and so on.

The evaluation level of "good bad review" is divided into five.

On October 28th, Wang Yi, a lawyer assistant in a law firm in Chengdu, opened a web browser, entered the keyword "Sichuan Government Service Network", entered the home page, found the online service window she needed in the "Personal Service-Professional Qualification" option, and immediately completed an application.

After some operation, Wang Yi’s working experience was excellent. She chose the smiling face pattern in the column of "Good Bad Review" to draw a satisfactory conclusion for this online work.

Wang Yi is an early adopter who holds a "power bar" with good and bad reviews. On the same day, Sichuan launched the "Good Bad Review" platform for government services. In the future, every user can play "good review" or "bad review" for the experience of government services like Wang Yi.

All service matters are included in the evaluation scope.

"This is an all-round revision." The person in charge of the relevant departments of the general office of the provincial government summed it up. He introduced, "The upgraded Sichuan government service network integrates seven major sections, such as’ home page, personal service, corporate service, direct access to cities and states, direct access to departments, interaction between the government and the people, and openness of government affairs’, and realizes five services, such as’ event service, identity authentication, payment service, license service and good and bad reviews’."

Among them, the new "good bad review" platform has attracted much attention. The person in charge said that in order to implement the requirement of establishing a "good bad review" system for government services in Premier Li Keqiang’s "Government Work Report" in 2019, Sichuan has specially issued a "Work Plan on Establishing a" good bad review "system for government services" in light of the actual situation, and formulated an overall "good bad review" action plan for the whole province. "The government service network has a’ good bad review’ area, which means that users can make an outspoken evaluation of the satisfaction of government services like online shopping. Whether it is praise or spit, or make comments and suggestions. "

On the network platform of "Sichuan Provincial Government Service Network", we can see that the administrative license, administrative payment, administrative confirmation, administrative ruling, administrative reward, and the handling of the people on the 12345 hotline have all been included in the evaluation scope of "good and bad reviews". The options of "Good Bad Review" and "Online Application", "Online Appointment" and "Online Consultation" are listed in the service options column.

Full coverage of online and offline "good bad reviews"

In the eyes of the experiencer Wang Yi, the construction of the platform of "good bad reviews" is to actually hand over the "assessor" to test whether the client is satisfied. "What is the experience of the parties, and they have the most say."

According to the design, the evaluation level of "good bad reviews" is divided into five levels, namely, very satisfied, satisfied, basically satisfied, dissatisfied and very dissatisfied. Evaluation to take real-name registration system, enterprises and the masses every time for a government service matters, can be evaluated after the completion of a ..

According to the person in charge of the platform, it is a prominent feature of the platform to achieve full coverage of online and offline "good and bad reviews" channels. Among them, online evaluations include Sichuan government service network, Tianfu Tongban, WeChat applet, Alipay applet, etc. Offline evaluation includes evaluator, code scanning, SMS, self-service terminal, QR code, "12345" government service hotline, etc.

Take the online evaluation of Sichuan government affairs service network as an example. When the clerk wants to evaluate the completed documents, he can enter the user center, select "My Evaluation" and click "Documents to be evaluated" to evaluate the listed items. It is worth mentioning that the service object is not evaluated within 7 working days after receiving the service, and the system will evaluate it as "basically satisfied" by default.

"Bad review" object completes rectification within 15 days.

What’s the use after obtaining the evaluation results? The person in charge of the relevant departments of the general office of the provincial government responded that the "good bad review" platform aims to improve the quality of government services in the province and accelerate the creation of a market-oriented and legalized international business environment. If the "dissatisfied" or "very dissatisfied" evaluation items are found to be true, it is required to make rectification within 15 days, and the rectification results will be fed back to the evaluator through online government service platform, mobile user center and SMS.

For the incentive of "praise", it is clearly put forward that all relevant departments (units) in all parts of the province should link "praise" with the performance appraisal of units and individuals as an important content of target performance, annual assessment and advanced selection, and obviously increase the praise and incentive. (Reporter   Li Yuanli)

Beijing, December 6 (Xinhua) The biggest highlight of this year’s medical insurance negotiations is the suspense brought by the participation of more than 20 domestic innovative drugs in the negotiations.

On December 3, the new medical insurance catalogue of the National Medical Insurance Bureau was officially released. Rongchang Bio, which promoted two "world-class domestic innovative drugs" independently developed at one time to the medical insurance catalogue, immediately became the focus.

Taita Xipu (trade name: Taiai? ), vidiximab (trade name: Aidixi? ) was conditionally approved for listing by National Medical Products Administration (NMPA) in March and June, 2021 respectively. The former is the world’s first "dual-target" biological new drug for the treatment of systemic lupus erythematosus, and the latter is the first original antibody-coupled (ADC) drug in China. It is these two innovative drugs that have been approved to enter the medical insurance catalogue this time.

In less than half a year, two world-class original new drugs have been approved for listing; Just a few months later, two new drugs entered the medical insurance catalogue at the same time. Rongchang Bio’s innovation ability, product quality and commercialization speed are once again presented.

China’s self-developed world-class new drug "quickly" reduced the price into medical insurance

Why do innovative drugs get attention when they enter the medical insurance catalogue? Because this means the opening of a new life channel for patients with corresponding indications. Pay a lower fee, use the world’s leading new drugs and good drugs, and stay away from "poor diseases".

In fact, according to preliminary estimates, the adjustment of the national medical insurance drug list in the past three years, compared with the pre-negotiation market price, has reduced the burden on patients by nearly 170 billion yuan and benefited 100 million patients through negotiation price reduction and medical insurance reimbursement.

"The two pioneering new drugs, Taitacip and Vidicotuzumab, are quickly reduced in price into medical insurance, which can improve the accessibility of these two world-class biological new drugs in the country, help China’s over one million patients with systemic lupus erythematosus and the vast number of patients with gastric cancer to get effective treatment, reduce the economic burden of patients and their families, and better play the social benefits of drugs." Dr. Fang Jianmin, CEO and chief scientific officer of Rongchang Bio, said.

Systemic lupus erythematosus patients and other first domestic innovative drugs.

Systemic Lupus Erythematosus (SLE) is a lifelong systemic immune disease, which can cause damage to kidneys, cardiovascular system, lungs, digestive system, blood system, blood vessels, eyes and other organs and tissues, and significantly increase the risk of death of patients. Its harm makes people talk about it. According to "Guidelines for Diagnosis and Treatment of Systemic Lupus Erythematosus in China in 2020", there are more than 1 million patients with systemic lupus erythematosus in Chinese mainland, and the prevalence rate is the second highest in the world.

However, for a long time, a large group of patients have been faced with the dilemma of drug use-traditional glucocorticoids, immunosuppressants, etc. are often accompanied by great toxic and side effects, which are unbearable for patients. At the same time, it is difficult to "breed" new therapeutic drugs. In the past 60 years, the US Food and Drug Administration (FDA) only approved a drug for the treatment of systemic lupus erythematosus in 2011 (Berizumab developed by GlaxoSmithKline).

Rongchang Bio was included in the national medical insurance drug list this time, which is tetasip for injection (specification: 80mg/ piece). It is the first innovative drug approved in the treatment of systemic lupus erythematosus in China, and it is also the first-in-class biological drug in the world.

Different from the single-target design of listed drugs, the "double-target" design of Tatasip can inhibit BLyS and APRIL, two key factors that make B lymphocytes differentiate and mature at the same time, which can reduce the immune response of the body more effectively and play a "two-pronged" effect on treatment. The key clinical data showed that the systemic lupus erythematosus response index (SRI) in the high-dose group was significantly higher than that in the placebo control group (79.2% vs 32.0%) after 48 weeks of treatment, and the improvement of SRI was significantly better than that of the new biological drugs currently on the market. At the same time, the macromolecular drug Tetasip can be metabolized directly through cells, instead of liver and kidney metabolism, which can significantly reduce the side effects of traditional drugs and has higher safety. In a word, as a new drug with new target, new structure and new mechanism, Tetasip brings infinite new hope to the global SLE medical field.

(Photo courtesy of the enterprise, issued by Yangguang. com)

Professor Zhang Fengchun, the head of clinical trial of Taitacip and the chief physician of Peking Union Medical College Hospital, said: "Compared with the existing treatment methods, the main therapeutic indexes of Taitacip have been greatly improved, which is a major breakthrough in the treatment of systemic lupus erythematosus, marking that China has taken the lead in the field of research and development of new drugs for the treatment of systemic lupus erythematosus. The inclusion of this drug in the national medical insurance drug list will further improve the accessibility of drugs, greatly reduce the medical burden of patients with systemic lupus erythematosus, and bring them higher quality survival benefits. "

Tetasip’s innovation has been recognized internationally, and its invention patents have been authorized by China, the United States, Europe and other countries and regions. Besides the indications of systemic lupus erythematosus, domestic and international clinical trials of Tatasip for neuromyelitis optica spectrum diseases, rheumatoid arthritis, IgA nephropathy, Sjogren’s syndrome, multiple sclerosis and myasthenia gravis are being conducted in an orderly manner.

To fill the blank of back-line therapy for gastric cancer patients with HER2 overexpression in China.

Another new drug of Rongchang Bio, which is included in the medical insurance catalogue, is vidiximab for injection (specification: 60mg/ piece), which is approved for patients with locally advanced or metastatic gastric cancer (including adenocarcinoma of gastroesophageal junction) who have received at least two systemic chemotherapy (HER2 immunohistochemical results are 2+ or 3+).

In China, gastric cancer is the second largest cancer species after lung cancer, with an annual incidence of 400,000, ranking first in the world. The morbidity and mortality are both high. 80% of patients with gastric cancer in China were in advanced stage when they were diagnosed. For most patients with advanced gastric cancer, chemotherapy is still the first choice for first-line treatment in the past few decades. However, the therapeutic effect of chemotherapy is limited, and the side effects are great, and the precise drugs for patients with gastric cancer who overexpress HER2 are even blank.

According to the latest data, the objective remission rate (ORR), disease control rate (DCR), median progression-free survival (PFS) and median overall survival (OS) of patients with HER2 overexpression gastric cancer treated with vidicon were 24.8%, 42.4%, 4.1 months and 7.9 months, respectively, which showed higher efficacy and better safety.
Therefore, China’s first original antibody-coupled (ADC) drug, vidiximab, developed by Rongchang Bio, went on the market, which filled the blank of back-line treatment for patients with gastric cancer whose HER2 was overexpressed in China.

As an ADC drug, vidiximab has the characteristics of antibody targeting and small molecule drug killing, and can accurately identify and kill tumor cells by targeting HER2 protein on the tumor surface. It has achieved world-leading clinical data in clinical trials for treating gastric cancer, urothelial cancer, breast cancer and other tumors.

Professor Shen Lin, vice president of Peking University Cancer Hospital, director of the Department of Gastroenterology and Oncology, and deputy director of Beijing Institute of Cancer Prevention and Treatment, said: "When vidiximab is featured by a wider range of treatment beneficiaries, a more balanced curative effect, safe benefits and a more economical and convenient detection process, and it has made revolutionary progress in the history of anti-HER2 treatment for gastric cancer, it is also inevitable that it will be highly recognized by National Medical Products Administration and the National Medical Insurance Bureau."

At the press conference on the adjustment of the national medical insurance drug list in 2021, Professor Shi Yuankai of the Cancer Hospital of China Academy of Medical Sciences mentioned that vidiximab is the first original antibody-coupled drug in China, and it has achieved good results in tumors such as gastric cancer and breast cancer. It is effective not only for patients with overexpression of human epidermal growth factor receptor -2(HER-2), but also for patients with low expression of HER-2. This time, the price of vidiximab was successfully reduced and entered the medical insurance, which benefited more cancer patients and filled the gap in the guarantee. While improving the drug guarantee for gastric cancer to the international mainstream drug use level, the burden on patients was greatly reduced.

Like Tatasip in the treatment of systemic lupus erythematosus, Videcituzumab is highly recognized internationally: this new drug is the first ADC drug in China that has been recognized as a breakthrough therapy by both FDA of the United States and NMPA of China. In August, 2021, Seattle Gene, an internationally renowned biopharmaceutical company, obtained the global (except Asia-Pacific) exclusive license agreement for vidicon with a down payment of up to US$ 2.6 billion and milestone payment, and a gradient sales commission of more than 15%. The transaction volume set a new record for overseas authorization of a single product of China pharmaceutical companies.

Innovative drugs are included in medical insurance, and the volume will obviously drive more innovations.

The medical reform in China continues to deepen, and the time for innovative drugs to be included in medical insurance has been greatly shortened.

The Blue Book on the Progress and Effectiveness of Medical Insurance Drug Management Reform shows that among the 34 innovative drugs listed from 2016 to 2020, 26 drugs have been included in the medical insurance catalogue, accounting for 76.5%. At the same time, in 2017, the time required for new drugs from listing to inclusion in medical insurance will be shortened to 1-8 years in 2019 and further reduced to 0.5-5 years in 2020.

The speed at which Rongchang Bio’s two innovative drugs entered the medical insurance is also a proper "top student". The characteristics of the two innovative drugs, such as "initiative", remarkable clinical effect, better safety and huge patient group, all escort their rapid inclusion in the medical insurance catalogue.

As for the new drugs with good curative effect, strong innovation and large clinical demand, it can quickly expand the sales channels and greatly increase the sales and market share of new drugs in a short time.

For example, according to the Blue Book on the Progress and Effectiveness of Medical Insurance Drug Management Reform, the dosage and amount of 17 kinds of anticancer drugs successfully negotiated in 2018 increased by 25.8 times and 8.8 times in the first quarter of 2021 compared with the first quarter before the negotiation (the third quarter of 2018); In the first quarter of 2021, compared with the first quarter before the negotiation (the fourth quarter of 2019), the amount of drugs successfully negotiated in 2019 increased by 10.4 times and the amount increased by 2.7 times.

Rongchang Bio-Tatasip and Vidicotuzumab are aimed at "a wide range of clinical unmet needs". With the opportunity of entering the medical insurance drug list, these two heavy new drugs may achieve rapid volume increase and gain more market share and economic benefits. And these will eventually lead to more innovations.

With the continuous introduction of policies to encourage innovation, such as accelerating the review of new drugs and normalizing medical insurance negotiations, enterprises that focus on early accumulation, do not blindly follow the trend of project establishment, and closely focus on how to solve the actual clinical needs are bound to stand out.

Rongchang biology is one of them.

Rongchang Bio, founded in 2008, has been focusing on the discovery, development and commercialization of antibody drugs such as antibody drug conjugate (ADC), antibody fusion protein, monoclonal antibody and bispecific antibody. At present, Rongchang Bio has developed more than 20 candidate biopharmaceutical products, and more than 20 indications of 7 products are undergoing clinical trials or have entered the commercialization stage.

In the best era of the development of innovative pharmaceutical companies, inclusion in the medical insurance catalogue has just begun for Rongchang creatures with outstanding research and development capabilities and rich reserves.

Cctv news(News Network): In combination with local characteristics, Longyan, Fujian Province has increased the cultivation of new formats such as online consumption and platform economy, raised the consumption level, and stimulated the new vitality of the old district economy.

At present, the live broadcast rooms of various agricultural products in Longyan are very lively. Peanuts, dried sweet potatoes and passion fruits have become the protagonists promoted by fruit farmers. Here, mobile phones have become "new farm tools" and live broadcasts have become new farm work.

Li Qiusong, the inheritor of Fujian time-honored Longyan’s "Shan Erzai" skillWe have many good products and time-honored brands in Longyan, which used to be known only by local people. Now, through e-commerce, we do live broadcast and bring goods, and promote these good things to the whole country. The sales volume has gone up at once, and sometimes it even exceeds the supply.

Longyan is rich in high-quality agricultural products with good quality and low price, but in the past, the channels were single and the sales were not smooth. In recent years, Longyan has adapted to local conditions, guided farmers and enterprises to change the traditional sales model, popularized speed-up network broadband, and trained e-commerce skilled personnel. In 2015, rural e-commerce in Longyan developed rapidly, covering all counties, townships and villages in the city. Today, Longyan has built 12 e-commerce industrial parks, with more than 36,000 e-commerce enterprises and nearly 40,000 direct employees. In the first half of this year, Longyan’s online retail sales reached 7.36 billion yuan, an increase of 71.7%.

Author: She Yunfeng

Source: Mobile Payment Network

Not long ago, Zhou Xiaochuan, vice chairman of Boao Forum for Asia, expressed several views on the development of digital RMB at the 2023 China Digital Finance Forum, two of which were very constructive and forward-looking.

Digital RMB is mainly based on account type.

Zhou Xiaochuan believes that the development of digital RMB is mainly based on account-based digital currency. In other words, token-based digital currency is a path that may have room for development, but the mainstream is account-based digital currency.

How to understand it? In fact, this is in great agreement with the current supervision on the path of promoting digital RMB.

The mobile payment network once published an article discussing the choice of digital RMB in the wallet path "Upgrade from value mode to account mode, and dual offline of digital RMB is not mainstream". We think that with the pilot implementation of digital RMB, account mode and quasi-account mode will become the mainstream in the future, and the value mode is only a supplement.

As we all know, digital RMB is compatible with three ways: account-based, quasi-account-based and value-based, and adopts variable denomination design to realize value transfer in the form of encrypted currency strings. Judging from the manifestations of digital RMB hard wallet, the quasi-account model is the mainstream at present, and the account model has also taken shape. Although the value model has technical conditions, there are still some problems in its real implementation.

Zhou Xiaochuan said that the choice of account type and token type is also closely related to the choice of centralized route. In the management mode, digital RMB needs to adhere to the two-tier operation system and centralized management concept.

Why should we adhere to the centralized management concept? Yi Gang, the former governor of the central bank, once said that because the digital currency of the central bank is the debt of the central bank to the public, it is necessary to ensure and strengthen the macro-prudential and monetary policy regulation functions of the central bank and maintain the original transmission mode of monetary policy.

In the two-tier operation structure, the first layer is centralized management, which is similar to that the central bank must know how much circulating cash it has issued and how much digital currency it has issued. The transfer and transaction activities between customers are on the second floor, and a large amount of customer information is stored on the second floor, that is, industry, agriculture, China, construction, communication or WeChat Alipay. They are obliged to be responsible for privacy protection, anti-money laundering and anti-terrorism financing, and only report the necessary information to the People’s Bank of China.

From this perspective, account-based centralized management is a necessary condition, and the central bank must have the right to manage the digital RMB as a whole. However, if a large number of token-based digital RMB with value model are adopted, the central bank will have a blank window for its management, which has certain security risks. Therefore, before the official launch, such security issues must be controlled to a minimum, and the value model digital RMB that is not under the management of the central bank after the official launch needs to be controlled within a certain range.

Therefore, quasi-account and account-mode wallets are all manifestations of account-based digital RMB, which will be the main development direction of digital RMB in the future. As a token-based development path, value mode still needs to be explored as a supplementary form.

The price system needs to be set under the two-tier operation

Zhou Xiaochuan believes that under the two-tier operation system, policy-making should make the digital payment system survive independently, and a price system should be set up so that the digital payment system can charge for services. In fact, the rate can be very low and the impact on customers is quite small. If there is no charging mechanism, it will lead to cross-subsidies and cross-sales, and payment system service providers will focus on other aspects that should not be paid attention to.

Digital RMB adopts a two-tier operation system, one of the important reasons is to mobilize the enthusiasm of market institutions such as commercial banks to the greatest extent. The central bank issues digital RMB, but not directly to residents and corporate customers. Instead, it issues digital RMB to operating institutions, which serve customers directly as operators.

Yi Gang once wrote that the two-tier operation is conducive to making full use of the existing resources, talents, technology and other advantages of commercial organizations, and promoting innovation and competition through market-driven. In terms of business resources, commercial banks and technology companies have mature IT facilities and huge user base. In terms of human resources, commercial banks and technology companies also have sufficient talent reserves. The central bank mainly carries out top-level design, as well as legal norms and regulatory standards. After the top-level structure, legal norms and regulatory requirements are designed, services are handed over to the market to play a decisive role in the allocation of resources by the market. Two-tier operation helps to spread risks. The central bank does not presuppose the technical path and remains open. Different institutions can explore different technical paths and realize system optimization through competition.

However, in the pilot stage, the design of such optimal allocation of resources seems to have a big gap with the market development, and the most important reason is the "incentive mechanism" problem.

At present, the core of the two-tier operation system is the operation organization, which has the largest investment in personnel and property and the highest cost, but has no direct income. The operation of digital RMB has become a way for operating institutions to obtain customers, which is not conducive to the promotion and development in the later period.

The characteristic of digital RMB payment is settlement, which is indeed conducive to the efficient realization of the payment process, but it also reduces the participation of the payment process and even cuts off the interest rate acquisition space.

As a large number of participants in the 2.5-tier, it has a high degree of overlap with the 2-tier institutions in the non-operational work of digital RMB. At present, the 10 operating institutions are commercial banks themselves, and they have a certain competitive relationship with the 2.5-tier commercial banks in terms of business and customer base. The 2-tier institutions have squeezed the 2.5-tier business space by virtue of their roles as wallet brands and operating institutions, which seems to affect the enthusiasm of small and medium-sized banks in the pilot process.

At present, there are more and more institutions participating in the pilot project of digital RMB. The 2.5-tier institutions lack clear and standardized roles, division of responsibilities and information protection, and there is no profit point. The participation enthusiasm of the 2.5-tier institutions in most pilot areas is very limited.

Therefore, in the view of mobile payment network, under the two-tier operation system, the sustainable development of digital RMB in the future can not be separated from the perfect "business model", on the one hand, it lies in the cooperation between various institutions at different levels, on the other hand, it lies in the respective functions of different institutions and the income points under their participation.

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As for whether "charging" will affect the "zero handling fee" feature of digital RMB, in fact, users can rest assured that the exchange and redemption of digital RMB will be "zero handling fee" for both users and merchants now and in the future. However, after the future business model is perfected, it is unclear whether the rate income of institutions will be passed on to users and merchants under the price system!

　　CCTV News:On September 9th, the Consumer Protection Bureau of China Banking and Insurance Regulatory Commission, China issued the Circular on Consumer Complaints in the Banking Industry in the Second Quarter of 2021.

　　According to the Circular, in the second quarter of 2021, China Banking and Insurance Regulatory Commission and its agencies received and forwarded 84,424 consumer complaints from the banking industry, an increase of 25.5% compared with the second quarter of 2020. Among them, 26,537 large state-owned commercial banks were involved, up 12.9% year-on-year, accounting for 31.4% of the total complaints; There were 35,135 joint-stock commercial banks, up 22.4% year-on-year, accounting for 41.6% of the total complaints; There were 367 foreign-funded corporate banks, a year-on-year decrease of 1.6%, accounting for 0.4% of the total complaints; 8928 city commercial banks (including private banks), up 53.8% year-on-year, accounting for 10.6% of the total complaints; There were 5037 small and medium-sized financial institutions in rural areas, up 94.0% year-on-year, accounting for 6.0% of the total complaints; There were 8,420 other banking financial institutions, with a year-on-year increase of 34.4%, accounting for 10.0% of the total complaints.

　　According to the Circular, among the large state-owned commercial banks, the complaints of Agricultural Bank and Industrial and Commercial Bank rank in the top two. Among the joint-stock commercial banks, China Everbright Bank and China CITIC Bank ranked the top two in terms of complaints. Among foreign-funded corporate banks, Bank of East Asia ranks first in the number of complaints.

　　The Circular also shows that the median number of complaints per 10 million individual customers of large state-owned commercial banks is 73.6. The median number of complaints per 10 million individual customers of joint-stock commercial banks is 338.0. The median number of complaints per 10 million individual customers of foreign-funded corporate banks is 358.4.

　　Judging from the business involved in the complaint, the second quarter of 2021 involvedThere were 46,273 complaints about credit card business, with a year-on-year increase of 37.2%, accounting for 54.8% of the total complaints.. Bank of Communications and Agricultural Bank of China rank among the top two large state-owned commercial banks in terms of complaints about credit card business. China Everbright Bank, China CITIC Bank and Minsheng Bank rank among the top three joint-stock commercial banks in terms of credit card complaints. The number of complaints about credit card business of Bank of East Asia ranks first among foreign-funded corporate banks.

　　The Bulletin shows that:

　　In the second quarter of 2021,There were 23,059 complaints about personal loan business, with a year-on-year increase of 52.2%., accounting for 27.3% of the total complaints. Industrial and Commercial Bank of China (ICBC) and Agricultural Bank of China (ABC) are among the top two large state-owned commercial banks in terms of personal loan complaints. Everbright Bank and Ping An Bank are among the top two joint-stock commercial banks in terms of personal loan complaints. The number of complaints about personal loan business of Standard Chartered Bank ranks first among foreign-funded corporate banks.

　　In the second quarter of 2021, there were 4,334 complaints about wealth management business, a year-on-year decrease of 59.2%, accounting for 5.1% of the total complaints. The number of complaints about wealth management business of Postal Savings Bank ranks first among large state-owned commercial banks. China Merchants Bank, China Everbright Bank and Ping An Bank rank among the top three joint-stock commercial banks in terms of complaints about wealth management business.

    Xinhua News Agency, Beijing, April 17-Israeli media reported on the 16th that the IDF has made a decision on how to respond to the attack launched by "Iran and its agents" on Israel, but the timing of action has not yet been decided.

    On April 15th, Halevy (rear right), Chief of Staff of the Israel Defense Forces, spoke at the Newatim Air Force Base in southern Israel. Xinhua News Agency (Photo courtesy of Israel Defense Forces)

    UN Secretary-General Kofi antonio guterres once again called for restraint. British Prime Minister Rich Sunak told Israeli Prime Minister Benjamin Netanyahu that the escalation of tension in the Middle East is not in the interest of either side and needs to be "cool-headed" at present.

   Israel vowed revenge, but the timing was uncertain.

    According to Israel’s Jerusalem Post on the 16th, the IDF has made a decision on how to respond to the attack of "Iran and its agents". However, because the timing of action has not yet been selected and the preparatory work is complicated, the current plan may also change.

    This is a picture of the interception of the Israeli "Iron Dome" air defense system shot over Jerusalem in the early morning of April 14th. Xinhua News Agency (photo by Jamal awad)

    The Jerusalem Post reported that the above-mentioned important progress shows that the Israeli leadership is serious and firm in its determination to fight back against Iran.

    On the 1st of this month, the building of the consular section of the Iranian Embassy in Syria was attacked by missiles, killing at least 13 people. Iran and Syria say the attack was launched by Israel. Iran’s Islamic Revolutionary Guard announced in the early morning of 14th that it would launch a large number of missiles and drones at Israeli targets. The Israeli military said that more than 300 drones and missiles were fired at Israel, of which "99%" were intercepted.

    Halevy, chief of general staff of the Israeli army, said on 15th that Iran would be "countered" eventually, but he did not specify when and how.

    According to the Associated Press, two American officials were quoted as saying that Israel has not yet told the US how it intends to fight back.

    On the 16th, the Israeli military showed the media the wreckage of an Iranian missile intercepted by the Israeli army at a military base in the south. Daniel Hagari, a spokesman for the Israeli army, said that each warhead carried 500 kilograms of explosives. He reiterated that Israel will strike back at Iran, "at the time and place we choose and in the way we choose."

    The United States seeks sanctions but does not participate in retaliation.

    An Israeli government source told Reuters that the Israeli wartime cabinet meeting scheduled for 16th was postponed to 17th.

    This photo released on April 14th shows that Israeli Prime Minister Benjamin Netanyahu held a wartime cabinet meeting at the Israeli Defense Ministry in Tel Aviv. Xinhua News Agency (Photo courtesy of Israel Government Information Office)

    This will be the third meeting of the Israeli wartime cabinet to discuss the response measures to Iran. After the first two meetings, it was not announced whether to make a decision.

    Israeli Foreign Minister israel Katz said that he had written to more than 30 countries, seeking to impose sanctions on Iran’s missile program and identifying Iran’s Islamic Revolutionary Guard Corps as a "terrorist organization".

    US Treasury Secretary Timothy janet yellen said that the United States will launch new sanctions against Iran and cooperate with its allies, and all options to disrupt Iran’s "terrorist" capital chain are under consideration.

    John Kirby, strategic communication coordinator of the White House National Security Council, said earlier that US President Barack joseph robinette made it clear during his phone conversation with Netanyahu that the United States would not take part in retaliation against Iran.

    Kirby said again on the 15th: "We don’t want to see a war with Iran or a regional conflict." When asked by media reporters whether Biden asked Netanyahu to "restrain" in response to the attack, Kirby did not comment.

    On the 16th, British Prime Minister Sunak telephoned Netanyahu, saying that the escalation of tension in the Middle East is not in the interest of either side, and will only aggravate regional insecurity. Now it is necessary to "keep a cool head".

    On the same day, Italian Defense Minister Guido Crosetto said on the phone with Israeli Defense Minister Joaf galante that the Iranian attack on Israel crossed the "red line", but "now we need to be rational and act in accordance with international law to avoid promoting the continuous escalation of violence". Italy is currently the rotating presidency of the G-7, and the G-7 foreign ministers’ meeting is scheduled to be held for three days from 17th.

   Turkey rejects western "double standards"

    Turkish President Recep Tayyip Erdo? an criticized the "double standards" of western countries on the 16th, saying that the other side kept silent about Israel’s attack on the consular section of the Iranian embassy in Syria, but now it "rushed to condemn Iran’s response". He also pointed out that Netanyahu did not hesitate to push up regional tensions in order to "extend his political career."

    On October 1, 2023, in Ankara, Turkey, Turkish President Erdogan delivered a speech in Parliament. Xinhua News Agency (photo by Mustafa Kaya)

    UN spokesman Stefana Dujaric said on the 16th that UN Secretary-General Guterres telephoned Iranian Foreign Minister Hussein Amir Abdullahiyan on the 15th, once again calling for easing the current tension and bringing peace to the Middle East.

    Dujaric said that Guterres had not spoken to senior Israeli officials, but at the relevant emergency meeting of the United Nations Security Council on 14th, Gilad Aidan, Israel’s Permanent Representative to the United Nations, had heard Guterres’ call, who urged all parties to exercise maximum restraint.

    This round of escalation is the latest manifestation of conflict spillover in Gaza. Saudi Arabian Foreign Minister Faisal bin Farhan Al Saud said on the 16th that the efforts of the international community to promote a ceasefire between Israel and the Palestinian Islamic Resistance Movement (Hamas) in the Gaza are "seriously inadequate".

    Spanish Prime Minister Pedro Sanchez said on the 16th that an independent Palestinian state should be recognized as soon as possible, and "Spain will make efforts to promote the Palestinian state to become a full member of the United Nations". (Chen Lixi)

　　CCTV News:According to "Xiangtan CDC" WeChat WeChat official account news, on October 10th, 2022, a case of asymptomatic COVID-19 infection was found in Xiangtan County, Hunan Province during the quarantine control of key personnel involved in the epidemic, and is currently being isolated and observed in designated hospitals. Xiangtan City and Xiangtan County have immediately launched emergency response, and fully carried out the work of tracing the source, investigation and control, nucleic acid detection and on-site disposal.

　　Main activity track:

　　October 5 th

　　At 10:30, drive from Shangshuyuan, Ganlong, Yisuhe Town, Xiangtan County to Shengshi Kangcheng.

　　Drive to Haitang Garden at 11:00.

　　Drive from Haitang Garden to Changsha at 11:30.

　　13:10 Arrive at the ground parking lot of New Times Square in Kaifu District, Changsha City.

　　Attend the training from 13: 20 to 18: 00 on the 10th floor of North Building of New Times Square.

　　From 18: 00 to 21: 00, have dinner at the Lotus Pond Restaurant opposite New Times Square.

　　At 21:00, I drove back to Xiangtan from Outangbian Restaurant.

　　At 22:30, it passes through the second phase of Napaxigu Community in Yuetang District, Xiangtan City.

　　22:42-23:31 Arrive near Hongsheng Yipin Mansion in Yuetang District and chat on the private car.

　　At 24:00, I passed the Haitang Garden in Yisuhe Town and returned to the home of Shangshuyuan in Ganlong, and did not go out after that.

　　October 6th.

　　At 9:45, I drove from Ganlong Shangshuyuan to the famous teacher’s shop to shampoo.

　　At 10:25, I started from a famous teacher’s shop and stopped at the roadside of Forest Yayuan Community on Dapeng Road for a short time.

　　10:30-11:17 Decoration design in Shengshi Kangcheng.

　　Arrive at Haitang Garden by car at 11:26.

　　At 12:02, I drove from Haitang Garden to Changsha.

　　13:30 Arrive at the ground parking lot of New Times Square in Kaifu District, Changsha City.

　　Attend the training from 13: 30 to 18: 00 on the 10th floor of North Building of New Times Square.

　　18:10-21:00, eat at the Lotus Pond Restaurant opposite New Times Square.

　　At 21:00, take a private car (on behalf of the peers) and leave from the restaurant at Outangbian and return.

　　At 22:00, it passes through the second phase of Napaxigu Community in Yuetang District, Xiangtan City.

　　Arrive at Xiangtan Maternal and Child Health Hospital at 22:15 and stay for about 2 minutes.

　　22:35-23:15 Drive back to Haitang Garden and chat in the car.

　　At 23:24, I drove back to my home in Shangshuyuan, Qianlong, and didn’t go out after that.

　　October 7th.

　　From 11: 50 to 13: 25, drive from Shangshuyuan in Qianlong to attend the wedding in the Lotus Hall on the first floor of Xintian International Hotel.

　　13:46-14:18 Drive to Lianhai Trade City to buy decoration materials.

　　At 14:35, I drove back to my home in Shangshuyuan, Qianlong.

　　21:00-21:04 Drive to Haitang Garden.

　　At 23:10, the self-driving car arrived at the charging station of Jiangwan Square to charge the car.　

　　October 8 th

　　At 1:00, drive back to Ganlong Shangshuyuan from Jiangwan Square charging station.

　　At 15:22, I drove to Xiangtan County People’s Hospital to carry out nucleic acid detection, and then transferred it to a designated hospital for isolation observation. Since October 5, people who have crossed the above activity tracks immediately took the initiative to report to their communities (villages), work units or hotels, and cooperated with the implementation of corresponding prevention and control measures such as centralized isolation, nucleic acid detection and health monitoring. The general public and those who come to (return to) Tan are requested to pay attention to the official authority release, and do not believe in rumors, spread rumors or make rumors; Enhance awareness of prevention, strictly implement the requirements of "health first responsible person", take the initiative to fulfill epidemic prevention obligations, pay attention to their own health status, do personal protection, maintain a safe social distance, and contribute to epidemic prevention and control. Those who do not cooperate with the implementation of prevention and control measures and cause the spread of the epidemic will be investigated for legal responsibility according to law.

In the era when face value is justice, the appearance of a model directly affects the choice of consumers. Generally speaking, the front face design of the new generation has become more luxurious, and some protruding lines are added to the hood, which looks quite muscular. The eagle-eye lights on both sides are quite huge, and they look very energetic after hexagonal adaptive lighting. The shape of the side with the waist line rising on the side creates a sense of readiness, which looks strong in movement, high in rim shape and acceptable in visual effect. The tight tail shape highlights the bold and firm posture, and the rear taillights of the new car are more recognizable.

The interior of the whole vehicle can be said to be very luxurious, extremely high-end luxury. The large leather coverage of the steering wheel brings a good sense of luxury. All the materials above the central control area are made of plastic, leather, wood and metal, which greatly enhances the sense of grade of the whole vehicle. The 10.25-inch central control panel is simple in screen design, but fully functional. The front row is also equipped with a dual-temperature automatic air conditioning control system, which can freely debug the most comfortable space atmosphere. Leather seats give passengers just the right support and soft and comfortable touch.

The length of the BMW 5 Series is 5175mm, the body width is 1900mm, and the wheelbase is 3105mm, which is quite satisfactory. In the same class, the wheelbase of the BMW 5 Series ranks fifth. One bright spot is that its width reaches 1900mm, which reflects that the horizontal space inside the car is not bad. The design of skylight also increases the subjective space feeling of front and rear passengers. Among the models of the same price and class, the trunk volume of BMW 5 Series ranks 31st. The shape is very regular, and the storage volume is absolutely no problem for daily use.

The BMW 5 Series 530Li exclusive luxury suit uses a 2.0 engine, with a maximum horsepower of 258 and a peak torque of 400, matching the automatic manual transmission (AT) gearbox. The power performance of the 2.0 engine on the BMW 5 Series is quite satisfactory, and the low torque is weak and the hysteresis can be felt. The official measured acceleration of BMW 5 Series is 6.5S, ranking 31st among the medium and large-sized cars with more than 800,000.

The active/passive safety configuration of BMW 5 Series is complete, includingAutomatic parking、Zero tire pressure endurance tire、Automatic parking、Steep slope descent、hill start assist control、knee airbag、HUD head-up display、Anti-lock braking (ABS)、Braking force distribution (EBD/CBC, etc.)、Brake assist (EBA/BAS, etc.)、Traction control (ASR/TCS, etc.)、Active noise reduction、Engine start and stop、Side safety air curtain、Wireless charging of mobile phone、night vision system、LED daytime running lights、Forward reversing radar、Tire pressure monitoring、Steering wheel heating、Body stability control (ESP/DSC, etc.)、Rear reversing radar、Fatigue reminder、Remote parking、Child seat interface、Lane keeping (LKAS)Equal configuration.

Among them,Automatic parkingYou can avoid stepping on the brakes for a long time or needing to pull frequently;Steep slope descentCan safely pass through steep slope road conditions at low speed;knee airbagReduce the injury of the car interior to the occupant’s knees in the secondary collision.

In order to have a more comprehensive and objective understanding of the BMW 5 Series, you can go to the Easy Car BMW 5 Series Forum and browse the messages of users who have purchased the car in history.

Tiantai Mountain Scenic Area is located in Qionglai City, an excellent tourist city in China, about 110km away from Chengdu. According to legend, Dayu controls water and climbs high to worship heaven, so it has the good name of "Tiantai". The scenic spot is a national key scenic spot, a national 4A-level scenic spot and a national forest park. It is an important part of the world natural heritage of Sichuan giant panda habitat and one of the eight firefly viewing bases in the world. There are more than 50 kinds of rare animals protected by the state, such as giant panda, red panda, macaque and giant salamander, and more than 20 kinds of rare plants protected by the state, such as Davidia involucrata, yew and ginkgo.