General Administration of Financial Supervision: Support real estate financing needs more accurately.

Focusing on real estate finance, risk management of small and medium-sized banks and other issues, the State Financial Supervision and Administration has once again voiced its voice. On January 25th, at the press conference on high-quality economic and social development of financial services held in the State Council Press Office, Xiao Yuanqi, deputy director of the General Administration of Financial Supervision, Liu Zhiqing, spokesperson of the General Administration of Financial Supervision and head of the Statistics and Risk Monitoring Department, Li Mingxiao, spokesperson of the General Administration of Financial Supervision and director of the Policy Research Department, Guo Wuping, director of the inclusive finance Department of the General Administration of Financial Supervision, and Yin Jiangao, head of the Property Insurance Supervision Department of the General Administration of Financial Supervision, made five major articles on how to do a good job in real estate finance, risk management of small and medium-sized banks.

Promoting the coordination mechanism of urban real estate financing has achieved results

Maintaining the stable and healthy development of the real estate market is one of the key points of supervision in recent years. In order to do a good job in real estate financial services, in recent years, the regulatory authorities have issued a series of policies, including the Ministry of Housing and Urban-Rural Development, the People’s Bank of China, and the General Administration of Financial Supervision, which clearly defined the housing credit policy of "recognizing housing but not loans"; The People’s Bank of China and the General Administration of Financial Supervision issued the "16 financial measures" to support the stable and healthy development of the real estate market, studied and established the dynamic adjustment mechanism of the first home loan interest rate policy, lowered the lower limit of the second home interest rate policy, and guided banks to reduce the interest rate of the first home loan.

"These policies and measures have played and are playing an active role in doing a good job in real estate financial services, stabilizing the reasonable financing needs of the real estate market and promoting the stable and healthy development of real estate." Xiao Yuanqi said.

The data shows that up to now, the balance of development loans and personal housing loans of real estate enterprises is 12.3 trillion yuan and 38.3 trillion yuan respectively. In 2023 alone, the balance of the two loans totaled nearly 10 trillion yuan.

Xiao Yuanqi said that the General Administration of Financial Supervision will continue to provide personal housing loan financial services. Support local city governments and housing construction departments, further optimize individual housing loan policies such as down payment ratio and loan interest rate due to city policies, and guide and urge banks to better serve the financing needs of the broad masses of people’s rigid and improved housing.

In order to accurately support the reasonable financing needs of real estate projects, on January 5, the Ministry of Housing and Urban-Rural Development and the General Administration of Financial Supervision jointly issued the Notice on Establishing a Coordination Mechanism for Urban Real Estate Financing, requiring cities at and above the local level to establish a coordination mechanism for real estate financing and build a communication platform between government, banks and enterprises to promote the accurate docking of housing enterprises and financial institutions.

Xiao Yuanqi said that it is necessary to accelerate the implementation of the coordination mechanism for urban real estate financing. Under the coordination mechanism led by the city government, according to the principle of fairness, the list of real estate projects that can be given financing support is pushed to financial institutions within their respective administrative areas. Financial institutions shall, in accordance with the principles of marketization and rule of law, evaluate the support objects pushed by the coordination mechanism, and actively meet the reasonable financing needs for projects with normal development and construction, sufficient collateral, reasonable assets and liabilities and guaranteed repayment sources.

"In the near future, we will also hold relevant work deployment meetings, asking banks to act as soon as possible. Under the lead coordination of the city people’s government, together with the housing and construction departments, we will make good use of the policy toolbox because of the city’s policy, and more accurately support the reasonable financing needs of real estate projects." Xiao Yuanqi said.

"This meeting released the domestic policies and measures to stabilize the property market, and increased the overall financing support for real estate. At the same time, emphasizing the focus of real estate work this year will help stabilize the market’s confidence in real estate recovery." Zhou Maohua, an analyst in the financial market department of China Everbright Bank, said that with the continuous economic recovery, employment and income improvement, the cost and threshold of buying houses are lowered, which is expected to promote the release of just-needed and improved demand. The "three major projects" in China and the revitalization of various idle properties will help optimize supply and improve demand, and promote the overall real estate market to get rid of the downturn and gradually restore balance.

The reform of rural credit cooperatives has achieved phased results.

Persisting in preventing and controlling risks is the eternal theme of financial work. In recent years, the General Administration of Financial Supervision and other departments have dealt with the risks of small and medium-sized financial institutions in a timely manner, and the reform of the rural credit cooperative system and city commercial banks has been promoted in an orderly manner. Xiao Yuanqi said that from a national perspective, the current small and medium-sized banks are operating steadily, and the proportion of small and medium-sized banks with high risks is very low. Through the steady and orderly resolution and disposal of stock risks and strict control of incremental risks, some small and medium-sized banks with high risks have achieved sustainable operations, and the effectiveness of reform and insurance is emerging.

Deepening the reform through classified policies is the starting point for supervising the reform and risk prevention and control of small and medium-sized banks. Xiao Yuanqi introduced that for the rural credit cooperative system, the General Administration of Financial Supervision focused on transforming the functional orientation of rural credit cooperatives and standardizing the performance of their duties, and initiated the reform of rural credit cooperatives with "one province, one policy". At present, the reform has achieved phased results. Some reform plans of rural credit cooperatives have been approved by the State Council, some are actively organizing and implementing, and some have been put into operation. The phased evaluation has achieved the expected purpose and the effect is showing. For city commercial banks, take multiple measures and implement reforms under the guidance of "one line, one policy". The overall goal is to fundamentally improve the long-term healthy operation and development ability of small and medium-sized banks, better serve the real economy, better serve thousands of households, and better prevent and control risks by deepening the reform of institutional mechanisms.

In order to make small and medium-sized banks stick to their development orientation, serve local customers well, and guard against the risks of exhibition in different places, regulators have previously issued relevant policies on Internet deposits and loans, requiring small and medium-sized banks to focus on their main business.

Xiao Yuanqi said, "Small and medium-sized banks are naturally familiar with local comparative advantages. They should have the will and ability to resist the temptation of blindly seeking perfection regardless of risks, carry out differentiated and characterized operations, and give full play to their unique advantages. After they are brought into play, the future development prospects of small and medium-sized banks are quite broad."

"The General Administration of Financial Supervision has also taken some measures to require large banks and national joint-stock banks, as well as some small and medium-sized banks, to transport talents and technologies, including core customer systems and risk control systems, to small and medium-sized banks in other places. This work has been carried out and the current effect is very obvious." Xiao Yuanqi said.

In addition, in terms of comprehensively strengthening supervision and preventing risks, Xiao Yuanqi said that the General Administration of Financial Supervision will strictly enforce the access standards for small and medium-sized banks, strictly control the access qualifications of shareholders and senior executives, strictly investigate the sources of capital, and give full play to the role of capital in controlling leverage, allocating resources and absorbing losses. At the same time, we should focus on the "key people", "key things" and "key behaviors" of financial risks, strictly enforce the law, dare to show our swords, resolutely crack down on financial corruption and financial crimes, stimulate the endogenous mechanism of financial institutions to prevent and control risks, and further strengthen the solidification, so as to fundamentally prevent, control and stabilize risks.

Ming Ming, chief economist of CITIC Securities, believes that with the continuous advance of China’s tough battle to prevent and resolve financial risks, the risks of the financial system have obviously converged, and the risks of small and medium-sized banks are controllable as a whole. However, it is necessary to pay attention to the lack of standardized corporate governance, mismatch of liabilities and assets, low capital adequacy ratio and long-term high binding with real estate and local financing platforms in some local institutions, which will also bring challenges to their sustainable operation.

Focus on "Five Great Articles"

The Central Financial Work Conference proposed that we should do a good job in "five major articles" on technology and finance, green finance, inclusive finance, pension finance and digital finance, and point out the direction for finance to better serve the high-quality economic and social development.

Focusing on key areas such as scientific and technological innovation and advanced manufacturing, the General Administration of Financial Supervision has continuously improved financial supervision policies, guided financial institutions to increase financial support and enhance their financial service capabilities. Li Mingxiao introduced that in terms of supporting scientific and technological innovation, the General Administration of Financial Supervision has formulated and issued the Notice on Strengthening the Life Cycle Financial Services of Science and Technology Enterprises, guiding more financial resources to promote scientific and technological innovation, and providing diversified financial services according to the needs of science and technology enterprises in different development stages such as initial stage, growth stage and maturity stage. In supporting advanced manufacturing, we will strengthen key monitoring and daily supervision, and guide financial institutions to give more prominence to supporting the high-quality development of manufacturing industry through special meetings and special training, and strongly support the high-end, intelligent and green development of manufacturing industry.

The data shows that by the end of 2023, the loan balance of national high-tech enterprises increased by 20.2% year-on-year, of which medium-and long-term loans and credit loans accounted for more than 40%. The loan balance of manufacturing industry increased by 17.1% year-on-year, of which the long-term loan balance of manufacturing industry increased by 29.1% year-on-year.

In the field of green finance, the General Administration of Financial Supervision has promoted the banking and insurance industry to increase financial support for green development. Li Mingxiao said that the service quality and efficiency of green finance of financial institutions will be continuously improved by strengthening supervision and guidance, improving statistical monitoring, optimizing assessment and evaluation, enriching products and services, and strengthening risk management. According to the data, by the end of 2023, the balance of green credit of 21 major banks reached 27.2 trillion yuan, a year-on-year increase of 31.7%.

By the end of 2023, the balance of inclusive loans was 29.06 trillion yuan, a year-on-year increase of 23.27%, which was 13.13 percentage points higher than the average growth rate of various loans; In 2023, the average interest rate of new loans for inclusive small and micro enterprises was 4.78%, down 0.47 percentage points year-on-year, and the interest rate showed a downward trend year by year.

Guo Wuping said that the General Administration of Financial Supervision will urge banking financial institutions to actively develop the first loan and renew the loan. The renewal of the loan should be continuous and sustainable, encourage medium and long-term loans that match the production and operation cycle, and promote revolving loans that can be borrowed and repaid to meet the diversified financing needs of market participants.

In recent years, China has continued to promote the professional development of pension financial institutions, the reform of pension finance has been steadily advanced, and the pilot projects of pension financing and specific pension savings have been gradually carried out. Yin Jiangyao introduced that in the next step, the General Administration of Financial Supervision will further optimize the supply of personal pension-related financial products around doing a good job in pension finance and implementing relevant policies and opinions on silver-haired economy, study and improve relevant business supervision rules according to the characteristics of personal pension system, sum up experience in time, continue to promote the pilot of commercial pension finance, steadily promote the transformation and development of pension insurance companies, guide and promote companies to give full play to their professional advantages, and better participate in and serve the construction of China’s multi-level and multi-pillar pension insurance system.

In terms of digital finance, Liu Zhiqing said that the General Administration of Financial Supervision will guide financial institutions to improve service quality and efficiency and comprehensively strengthen risk management from five aspects: continuously promoting the digital transformation of the banking and insurance industry, enhancing the effectiveness of digital empowerment, enhancing the risk prevention and control capabilities of the industry, strengthening the risk supervision of network security and data security, and standardizing digital innovation.

It is clearly believed that around the "five major articles", financial institutions should increase the disposal of non-performing credit assets, release new credit space, and reduce credit supply to industries with high energy consumption, high pollution and overcapacity. Relatively speaking, combined with the goal of China’s current economic structure transformation and upgrading and the changes in bank loan structure in the past two years, major strategies, key areas and weak links such as small and micro enterprises, green development and scientific and technological innovation are expected to obtain more high-quality financial services.

Beijing business today reporter Li Haiyan

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Zotye Auto: It is estimated that the net profit loss in 2023 will be between 750 million yuan and 900 million yuan.

On the evening of January 29th, Zotye Automobile Co., Ltd. (Zotye Automobile, 000980.SZ) issued a performance forecast, and it is estimated that the net profit attributable to shareholders of listed companies will be 750-900 million yuan in 2023, compared with 910 million yuan in the same period last year, which narrowed the year-on-year loss. In 2023, the company’s vehicle business is still recovering, and the sales volume is small. At the same time, the company plans to make provision for asset impairment and bad debts totaling about 300 million yuan to 400 million yuan, so the overall performance is still at a loss.

Malaysian players who have not finished in the first round of Golf China Open temporarily lead the rankings.

Xinhua News Agency, Shenzhen, November 2 (Reporter Wu Bowen) The 28th Volvo Golf China Open started its first round of competition in Shenzhen Yinxiu Golf Club on the 2nd, but it was not finished because of dark. Malaysian player Liang Ban temporarily led the rankings with a one-shot advantage, while China players Li Linqiang and Zhang Huilin tied for second place.
On the same day, Liang Ban caught six "birds" (one under par) and temporarily led the second place by one stroke with a score of six under par.
"This stadium is very difficult. I hit the ball well today, which is a bit of a surprise for me." Liang said after the game.
This season, Li Linqiang, the four-time champion of the Tour, caught seven "birds", swallowed two "bogeys" (one shot above par) and handed over 67 shots, ranking second with Zhang Huilin and other players.
"I played at my own pace and strategy today, hoping to play better in the next three days." Li Linqiang said.
Zhang Huilin, the champion of China Open in 2020, caught six "birds", swallowed a "bogey" and also handed over 67 shots. Zhang Huilin said after the game: "I am quite satisfied with today’s performance, and the putter played well."
Players who can’t finish the first round because of dark will make up the match early on the 3rd.
On the same day, Zhao Qin, Chairman of the Board of Directors of China Open, donated the tournament trophy-"Nordic Horizon" to the Golf Heritage Museum.
The 28th Golf China Open is sponsored by China Golf Association. (End)
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China rugby staged its first Olympic show, defying the strong enemy to play the spirit.

"Source of this article: Popular Daily"
July 29th is a historic day for China football. On this morning, the women’s rugby match of Tokyo Olympic Games started in Tokyo Stadium. China played against the United States in the first match of Group C, which was the first show of China rugby at the Olympic Games.
Among the 13 athletes of China team, there are five Shandong girls, namely Tang Minglin, Xu Xiaoyan, Yang Feifei, Yu Xiaoming and Ruan Hongting, who made history with the team.
In Rio 2016 Olympic Games, rugby sevens was listed as an Olympic event. Unfortunately, the men’s and women’s rugby teams in China failed to break through the qualifying round. Until November 10th, 2019, China women’s rugby team won the qualification for the Tokyo Olympic Games by beating China Hongkong Team 33-0 in the Asian Regional Qualifier of the Tokyo Olympic Games, and China rugby finally got the chance to make its debut at the Olympic Games.
In order to play the Tokyo Olympic Games well, the China women’s football team is preparing for the war with great concentration. The Tokyo Olympic Games was postponed for one year because of the epidemic, which gave the China team more time to polish and improve. "The state gave us the most powerful support and guarantee. We actively prepared for the war by fighting mock matches, team competitions, and men’s training with women. Every day, we run and run, and we know that every step is one step closer to our dreams." Yang Feifei said.
This process is not easy for everyone. Yang Feifei suffered from injuries and felt reluctant to see his teammates leave. "It is difficult, but persistence is the most beautiful."
At 10 am local time, the match between China and the United States began. "The Olympic Games is the highest stage. I am very proud to stand on this stage and want to show myself well." Tang Minglin said. It’s not just Tang Minglin who holds this idea. "Everyone of us is very excited and wants the whole world to see our style." Yang Feifei told reporters.
Rugby in China started late. Although it has developed rapidly, it still lags behind the top teams in Europe and America. As the fifth place in the Rio Olympic Games, the United States has a better strength. In the face of strong enemies, the girls in China did not fear, but showed their vigor. Only 2 minutes after the opening, China team was led by Wang Wanyu, and the two sides tied at 7 in the first half. In the second half, the United States showed its strength advantage. At one time, it was 28: 7, but China never gave up. At the last moment, it reached the touchdown again and tied the score to 14: 28. "Although we can’t beat them, we can’t make them think that we are easy to fight." After the game, China team member Chen Keyi said.
In addition to the United States, China’s opponents in the group stage are defending champion Australia and host Japan, and the schedule is not easy. "The opponent is very strong, but we like to accept challenges." Yang Feifei said that the China team will go all out in every game, "don’t give up every ball, don’t give up every second."
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The latest ranking of global financial centers: Shanghai ranks fourth, and Shenzhen ranks among the top ten.

  Shanghai’s ranking in the global financial center is 2 places higher than the previous period, ranking fourth, and its comprehensive competitiveness score is also increased by 1 point.

  On March 24th, the 31st Global Financial Center Index Report (GFCI 31) jointly compiled by China (Shenzhen) Comprehensive Development Research Institute, a national high-end think tank, and Z/Yen Group, a British think tank, was released simultaneously in Shenzhen, China and London, England.

  The index evaluates and ranks the world’s major financial centers in terms of business environment, human capital, infrastructure, financial development level and reputation. A total of 119 financial centers entered the list in the 31st GFCI, and the top ten financial centers in the world were ranked as follows: new york, London, Hong Kong, Shanghai, Los Angeles, Singapore, San Francisco, Beijing, Tokyo and Shenzhen.

  The index of global financial centers is updated in March and September each year, which has attracted wide attention from the global financial community. In March 2007, Z/Yen Group in London, UK released the first Global Financial Center Index (GFCI 1). In July, 2016, China (Shenzhen) Comprehensive Development Research Institute (CDI) and London Z/Yen Group established a strategic partnership, jointly conducted research on financial centers, and continued to cooperate in compiling the global financial center index.

  Shanghai, North China and Shenzhen rank among the top ten global finance.

  In this issue, there are 12 financial center cities in GFCI China Mainland, among which Shanghai, Beijing and Shenzhen have all entered the top ten financial centers in the world, 7 financial center cities have improved their rankings, and 3 financial center cities have remained stable.

  Among the mainland financial center cities, Shanghai continues to maintain its leading position, ranking two places again, becoming the fourth largest financial center in the world after Hong Kong, and ranking second in financial technology in the world.

  Beijing’s score dropped by 1 point, but the global ranking remained eighth, and the ranking of financial technology rose by 2 places, replacing London as the third in the world; Shenzhen is the city with the largest increase in ranking and score of the top ten financial centers, with a gap of only 1 point compared with Tokyo, and its ranking in business environment, human capital, infrastructure, financial industry development level, city reputation and five areas has all increased.

  The ranking of Guangzhou financial center has risen by 8 places, and it is currently ranked 24th in the world, and it is advancing towards the top 20 financial centers in the world, and its position as an international financial center is further stabilized. The rankings of Chengdu and Qingdao in GFCI remain unchanged, among which the ranking of financial technology in Chengdu has greatly increased by 16 places, ranking 44th in the world; Hangzhou, Dalian, Tianjin, Nanjing and other financial center cities that entered GFCI later are gradually becoming familiar to global financial practitioners, and their scores are rising rapidly. Among them, Dalian’s score is increased by 82 points, ranking 19 places, and Nanjing’s score is increased by 71 points, ranking 7 places.

  Yu Lingqu, deputy director of the Institute of Finance and Modern Industry of China (Shenzhen) Comprehensive Development Research Institute, said that the ranking of financial centers in Greater China has risen overall, and Hong Kong, Shanghai, Beijing and Shenzhen have all entered the top ten. From a global perspective, it presents a pattern of "rising east and descending west". The strength of Hongkong and Shanghai is getting closer and closer to that of new york and London, and the ranking of Shenzhen and Guangzhou is rising rapidly.

  Competition among top financial centers is becoming increasingly fierce.

  It can also be seen from the ranking of the global financial center index in this issue that the overall score of financial centers has slowed down and the world has accelerated its recovery from the new crown epidemic.

  Since the global spread of the COVID-19 epidemic, the overall average score of GFCI has dropped for more than three consecutive periods, of which the 28th period has dropped by more than 40 points, and the scores of more than 80 financial centers around the world have dropped, and then the decline rate has slowed down. The overall average score of this period has dropped by less than 1 point compared with the previous period, and the rankings of financial centers are relatively stable. Among the top 40 financial centers, no financial center has dropped by more than 10 places.

  In this ranking, new york, London and Hong Kong once again rank among the top three global financial centers, but their overall scores have declined compared with the previous period, with London having the largest decline, reaching 14 points, while Hong Kong and new york only dropped by 1 point and 3 points respectively, which further widened the gap between London and new york.

  At the same time, Shanghai and Los Angeles replaced Singapore and San Francisco respectively, ranking fourth and fifth in the world. After the ranking of Shenzhen dropped to 16th place in the previous period, the score of this period increased by 8 points, and the ranking also increased by 6 places, ranking among the top ten global financial centers again.

  Yu Lingqu said that from a global perspective, the pattern of the top financial centers has been very fixed, and the ranking often rises and falls by one or two, but from this period, Shenzhen and Guangzhou have risen by six and eight respectively, which is also very large from a global perspective.

  Although the pattern of the world’s top ten financial centers has been basically stable, the rating gap of each financial center is between 1 and 2 from Hong Kong ranked third to Shenzhen ranked tenth. Even a small change in rating can cause huge fluctuations in ranking, and the competition among top financial centers has become increasingly fierce.

The high temperature weather in the north will be the largest tomorrow, and there will be heavy rain in Guangdong, Tibet and other places.

  Cctv newsAccording to the news of China Weather Network, the sunny and hot weather in the north has escalated recently, and a wide range of high-temperature weather is coming. Tomorrow (June 15th), the high-temperature range will reach the maximum in the near future, covering Beijing, Tianjin, Hebei, Shandong, Henan and other places, and the local high-temperature intensity is rare in the same period. In terms of precipitation, the strong rainfall today and tomorrow is mainly concentrated in central and southern Guangdong and southeastern Tibet.

  Tomorrow, the high temperature range in the north will reach the maximum local high temperature intensity in the near future or it will be rare in the same period.

  Yesterday, under the influence of cold air, the high temperature in Xinjiang subsided in a large scale, and the high temperature in Jiangnan and South China was also weakened by rainfall. With the eastward movement of the continental high-pressure ridge, the high temperature in North China has gradually developed, and there are scattered high-temperature outcrops in Hebei.

  Today, the high temperature in the North China Plain will develop rapidly, covering parts of Beijing, Tianjin, Hebei, Henan and Shandong. Tomorrow, the high temperature range will reach the maximum in the near future, and high temperatures above 35℃ will occur in Guanzhong, Shaanxi, southeastern Inner Mongolia, most of Hebei, Beijing, Tianjin, central and western Shandong, most of Henan, northern Jiangsu and Anhui, and northern Hubei, especially in southern Hebei, northern Henan and parts of Guanzhong, Shaanxi. The highest temperature can reach 39℃. From Friday to Sunday, the high temperature area will shrink northward, and the southern part of Northeast China will also usher in high temperature.

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  This round of high temperature lasts for a long time, and the continuous days of high temperature in many places in North China Plain can reach 4 to 6 days, such as Beijing and Shijiazhuang, or they will encounter continuous high temperature. In addition, the high temperature intensity in some areas, such as northern Hebei, southeastern Inner Mongolia and southwestern Liaoning, may be rare in the same period.

  Next week, with the cold air moving eastward, the high temperature weather in the North China Plain will temporarily come to an end after the 19th, but then the continental high will move eastward, and the high temperature in the North China Plain will come back in late June.

  Tomorrow, the "Dragon Boat Water" in South China will last for 16 days, and a new round of rainfall will hit the central and eastern regions.

  Since late last week, Jiangnan, South China and Yunnan have become the areas with the most concentrated rainfall, especially in southeastern Guangxi and southwestern Guangdong, where the accumulated rainfall is relatively large under the influence of tropical disturbance. Today and tomorrow, rainfall will mainly affect central and southern Guangdong and southeastern Tibet.

  The Central Meteorological Observatory predicts that there will be heavy rainstorms in parts of central and southern Guangdong, southeastern Guangxi, southeastern Fujian, central and northern Taiwan Province Island, southern and western Yunnan, and southeastern Tibet, among which there will be heavy rainstorms (100-150 mm) in the coastal areas of southwestern Guangdong and southeastern Tibet.

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  Tomorrow, there will be moderate to heavy rain in parts of Xinjiang along the Tianshan Mountains, southeastern Tibet, southern and eastern Sichuan, southwestern Chongqing, central and eastern Yunnan, south-central Guangxi, south-central Guangdong, southern Fujian and Taiwan Province Island, among which there will be heavy rain or heavy rain (100-120 mm) in parts of southeastern Tibet, western and southern coastal areas of Guangdong and Taiwan Province Island.

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  From 16th to 20th, a new round of large-scale rainfall will advance from south to north and from west to east, covering most of the central and eastern regions. There will be moderate to heavy rain in the eastern southwest, Jianghan, Jianghuai, southern Huanghuai, Jiangnan and South China, and there will be heavy rain or heavy rain in the local area. The public should pay attention to the forecast of the approaching and guard against the secondary disasters that may be caused by heavy rainfall.

Pinch with your bare hands and have a star with the same small V face? Is the beauty of social networks reliable?

City Express News No surgery, no injections, no medicine, as long as you are pinched and rubbed by the osteopath’s hand, you can quickly lose face, and the effect is comparable to that of plastic surgery. Recently, Qiaoqiao, a Hangzhou girl who loves beauty, often receives advertisements on WeChat to adjust her face with her bare hands, which makes her very excited. "I checked on the Internet, and bare-handed Xiaoyan osteopathy is very popular now. Female stars like Jolin Tsai, Zhang Ziyi, Nanao, and online celebrity Zhang Dayi seem to have done it. "
Introduction of Xiaoyan osteopathy advertisement
You don’t have to cut the bone with a knife, rub it and pinch it.
You can quickly have the same little V face as a female star
Zhang Dayi went to Weibo a few years ago.
Take a picture of yourself getting a facelift.
Is this bare-handed facelift reliable? Last week, I had an experience after randomly finding a beauty salon in Hangzhou that could do this project.
Experience:
499 yuan at a time
It’s a bit like doing massage in a massage shop.
Searching for "Xiaoyan osteopathy" on Xiaohongshu App, I got 2383 user notes. According to my notes, I found that the users who have experienced this beauty project in Little Red Book are basically women aged around 30.
"It may hurt a little when you press it, but it passes quickly." "I experienced it once, and my face really became smaller." "After an hour and a half of the little face experience, I obviously felt that my left and right faces were symmetrical …" Although some users felt good after the experience, the user comments of "IQ tax", "cheat people beauty project" and "unreliable" were also everywhere in Little Red Book.
Then, is there a beauty institution in Hangzhou that can do small face osteopathy?
I searched for "Xiaoyan osteopathy" on the public comment and found 25 related businesses. Among them, more than 80% of the merchants’ names have the words "Japanese beauty" and "Japanese bonesetting".
According to the price, the highest price is 4266 yuan (the current group purchase price is 999 yuan) and the lowest price is 328 yuan.
I randomly found a beauty studio in the east of the city that can provide this project and made an appointment with the customer service phone.
It may be the reason why the working afternoon passed. At that time, I was the only customer in this beauty studio opened in the residential building of the community. In the studio of more than 90 square meters, there are two male osteopaths and female assistants in their early forties.
Before the experience, the osteopath handed me a questionnaire, asking me to check whether I had done any cosmetic plastic surgery projects such as bone grinding and filling. After filling out the form, the female assistant asked me to stick to the wall and take a front photo of my face. "After doing the whole bone for a while, you can look at the photos and compare the changes before and after the face."
After taking photos and lying on the beauty bed, the osteopath took a pair of calipers and measured my cheekbone and mandibular angle respectively. After that, the experience officially began. The osteopath first pressed the lymph nodes (behind the ear, neck and armpit) on my upper body for more than 20 minutes. "This is to eliminate edema and make your face look better after osteopathy." The osteopath explained while pressing.
After the lymph nodes were pressed well, the osteopath then covered the cheekbones and mandibular angles on my face with his palm, and repeated the vigorous pressing action many times. The whole process didn’t last more than 4 minutes, and it felt a little similar to the full-body massage I usually do in a massage shop. After the end, I can obviously feel the pain on my face after being squeezed.
The female assistant then put a clean mask on my face. After more than 10 minutes, I washed my face after applying the mask. The osteopath took a caliper and measured my cheekbones and mandibular angle again. "The mandibular angle was 103 degrees, and now it is 101 degrees. The width of the cheekbones is 10 mm smaller than at the beginning. "
The female assistant guided me to take postoperative photos. Comparing the photos before and after, I found that my face really tightened a little with the naked eye.
Osteologist:
A course of treatment is 12 times, and it is best to finish it within one month.
The osteopath said that the problem on my face is not very big, mainly because my cheekbones are a little outward. "Bone problems like this can generally be improved by osteopathy."
What exactly is a small face and a bonesetting? The osteopath explained: "Xiaoyan’s osteopathy originated in Japan, and it originated from China’s massage osteopathy. After it was spread to Japan, it became osteopathy."
The osteopath said that a person’s skull is composed of 23 bones. With the increase of age, chewing habits or other reasons, the gap between bones keeps increasing, resulting in asymmetry between the left and right faces. Visually, the human body’s own cheekbones are high and the mandible is wide, which leads to abrupt facial bones and lack of softness of facial lines.
"Xiaoyan osteopathy is to narrow the gap between your facial bones, lower your cheekbones, narrow your mandible, and make the whole facial bones smaller through professional osteopathy, so as to achieve the effect of face-lifting and shaping."
Seeing that I have been staring at the comparative care before and after surgery, the female assistant on the side said that my adjustment was very successful this time. "You may not have paid much attention to your face, and the right face is obviously larger than the left face. Go back and look in the mirror today to see if there is symmetry. "
The osteopath said that Xiaoyan’s osteopathy will have an effect once and can last for 2 to 3 days. "Generally, 12 times is a course of treatment, and it is best to finish it within one month. Our current single price is 499 yuan, and the one-cycle price is 5988 yuan. There are many girls who have come to do it recently. At most, I will do 10 a day. "
The reason why it should be finished within one month, he explained, is that after the user’s facial bones are relatively stable in structure and soft tissues are improved through facelift, facial muscle memory will fix this effect. "This way, the effect will be more lasting and can last for more than two years."
Training school:
Spend 24,000 yuan, and you can become a Xiaoyan osteopath in 7 days.
"If you want to learn this method, you can also master it." The osteopath said. Searching for "Xiaoyan osteopathy training" on the web page, I found that there is indeed a training school for unarmed osteopathy in Hangzhou.
In the teaching introduction of one of the schools, it is written that the school mainly teaches students "freehand osteopathy" based on modern anatomy.
Bare-handed osteoplasty can be divided into facial plastic surgery and body plastic surgery. The former includes adjustment of high cheekbones, adjustment of decree lines, adjustment of nose collapse, face rectification, elimination of neck lines, etc., while the latter includes adjustment of spinal carding, scapula and leg shape, etc. The school sets the tuition price according to the time of bare-handed osteopathy and the type of osteopathy (facial osteopathy and body osteopathy).
I found a school at random to consult the price. The customer service said that if she wanted to learn Japanese-style osteopathy course, she recommended a 7-day course with a tuition fee of 24,000 yuan.
"We have doctors from regular specialized hospitals for training, and you can learn from zero foundation." The customer service said that the school will not only provide practice materials, but also provide free lifelong repair in the later period, and will also issue a certificate of completion.
From this point of view, at present, in the market, an industrial chain of "Japanese-style small face and bonesetting" has been initially formed, from manual training, course design to project management.
Doctors in related fields:
It has nothing to do with Chinese massage and medical beauty.
Xiaoyan bonesetting is said to have originated from Chinese massage bonesetting. Then, will orthopedic surgeons in hospitals also do this kind of "massage" on their faces?
"The current bonesetting of Chinese medicine is mainly aimed at the spine and joints of limbs." Xiong Junlong, an orthopedic surgeon at Zhejiang Provincial Hospital of Traditional Chinese Medicine, told me that he had never touched the bonesetting of his face.
However, after listening to my description, Dr. Xiong thinks that if this method is used, there should be no bonesetting method in it. "It’s just through massage and the like to improve the muscle tension of the face and achieve the so-called compactness."
Zhang Jufang, director of the Medical Beauty Department of the First People’s Hospital of Hangzhou, also said after watching the relevant videos I sent her that this kind of small face osteopathy does not belong to the category of medical beauty.
After searching for professional information, I found that although there is no need for surgery or injection, osteopathy is also a medical act, and only regular doctors are qualified to operate and need to be qualified as doctors. At present, chiropractic and bonesetting need to be performed by a Chinese medicine chiropractor in state administration of traditional chinese medicine.
However, there is another saying: this kind of treatment is not a medical act because there is no appearance damage, so the industrial and commercial department can’t judge whether it is beyond the registered business scope. This has become a vacuum zone for the supervision of health and industry and commerce departments.
Many netizens in Zhihu asked: Is Xiaoyan osteopathy an IQ tax? "Plastic surgeon Qin Zikai", a netizen certified as a plastic surgeon in the 960 Hospital of the People’s Liberation Army, said that there was indeed a gap in the skull, but it was closed and stereotyped when the human body was developed (about 24 years old for men and earlier for women). "Moreover, the temporomandibular joint is very fragile. If you meet a technician with no weight in your hand, it may lead to dislocation of your chin or make you suffer from temporomandibular joint disorder syndrome."
Reporting/feedback

Suzhou Women’s Federation held an exchange meeting on the results of thematic education research.

According to the requirements of the Municipal Party Committee on the deployment of thematic education and the arrangement of Daxing investigation and research, on the morning of December 19th, Suzhou Women’s Federation held an exchange meeting on the results of thematic education research, and Yang Jinsong, Party Secretary and Chairman of the Municipal Women’s Federation, presided over the meeting and delivered a speech. The Fifth Steering Group of the Municipal Party Committee’s Theme Education and the Discipline Inspection and Supervision Group of the United Front Work Department of the Municipal Commission for Discipline Inspection attended the meeting for guidance. All party member cadres of the Municipal Women’s Federation attended the meeting.

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At the meeting, the members of the leadership team of the Municipal Women’s Federation exchanged views on the background significance, the situation in the investigation, the problems found and the countermeasures proposed around the research topics such as "Research on the current situation of family education guidance service in Suzhou" and "Facing the new era and new requirements, how women’s federations can play an active role in the anti-domestic violence work". At the same time, around the positive and negative typical cases to carry out analysis, talk about experience, talk about understanding, find shortcomings, find gaps, and draw inferences to promote the overall improvement of women’s Federation work. At the meeting, the list of transformation and application of research results was discussed collectively.

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The meeting pointed out that since the launch of the second batch of theme education, members of the leadership team of the Municipal Women’s Federation have earnestly practiced the "four basic units", focused on the key work and major problems of the Women’s Federation, and combined the overall work with small incisions to study and determine two research topics and two typical cases. We adopted the "four noes and two straights" research method to go deep into communities, rural areas, enterprises, schools and new employment groups, and comprehensively used the methods of field visits, discussion and exchange, questionnaire surveys, random spot checks, and access to materials to find out the situation, identify problems and put forward countermeasures, forming a number of research results with in-depth thinking, practical exploration and systematic thinking, which laid a solid foundation for further promoting the high-quality development of women and children.

会议强调,要继续在学用结合上下功夫,进一步学深悟透习近平总书记关于调查研究的重要论述,坚持把调查研究作为一种思想方法和工作方法,内化于心、外化于行,切实把学习成果贯穿在妇女儿童工作的全过程。要继续在查改贯通上下功夫。要对照调研成果转化运用清单的工作举措,逐项抓好转化落实,举一反三解决问题。坚持深查细照,加强跟踪问效,确保调查研究的“问题清单”转化为工作实绩的“成效清单”和妇女群众的“满意清单”。要继续在常态长效上下功夫。要大力弘扬妇联组织下基层、访妇情、办实事的好作风,将调查研究中积累的经验转化成制度化的成果,推广形成生动实践,围绕当前重点工作任务,迎难而上、积极作为,进一步推动宿州妇女儿童工作高质量发展。

Chinese-style retail reform: instant retail comes into being in time, is driven by convenience, and builds a high-quality life.

The new retail service complex Huoshaolianying and Hurun Research Institute jointly released the "Hot Win-Win HurunchinawareTail Report 2023" today. The 64-page report covers the analysis of the development path and current situation of retail industry in China, the overview of retail industry development from Hurun list, the changes of consumer demand and trends after the epidemic, such as the rapid development of instant retail, the improvement of consumers’ quality of life, the reconstruction of consumption in the meta-universe, and the imagination of future retail scenarios driven by technology.

In March 2023, the State Council’s "Government Work Report" proposed to focus on expanding domestic demand and give priority to restoring and expanding consumption. Focusing on "improving consumption conditions, innovating consumption scenarios, creating consumption atmosphere and boosting consumer confidence", the Ministry of Commerce has positioned 2023 as "the year of boosting consumption".

Since the beginning of this year, local policies have intensively introduced and implemented a series of policies and measures to restore and expand consumption to meet the diversified needs of consumers, combined with their own resource endowment characteristics, actively cultivated new consumption formats and new scenarios while optimizing traditional consumption supply, and led supply innovation with consumption upgrading, which added new vitality to the consumer market and promoted the rapid growth of consumption. According to the economic data released by the National Bureau of Statistics, in the first three quarters, the total retail sales of social consumer goods exceeded 34 trillion yuan, a year-on-year increase of 6.8%. On the whole, the market recovery trend is still continuing, commodity consumption is steadily recovering, service consumption is growing rapidly, cultural and entertainment consumption continues to expand, and consumption potential is accelerating.

New retail refers to the deep integration of online and offline through the Internet, big data, artificial intelligence and other technical means to reshape the form and mode of retail industry. The new retail has the following characteristics:

1. Digitalization: The core of new retail is digitalization, which drives business decision-making and operation through data to improve efficiency and service quality.

2. Personalization: Consumer demand is becoming increasingly complex. With the help of big data and artificial intelligence technology, new retail can accurately understand consumer demand and provide consumers with personalized products and services.

3. Integration: The new retail emphasizes the integration of online and offline, breaks the traditional channel boundaries and realizes omni-channel sales and marketing.

4. Intelligentization: Through artificial intelligence, Internet of Things and other technologies, new retail can realize intelligent operation, intelligent decision-making, operation and service, and improve efficiency and customer experience.

5. Socialization: Social media will become one of the important channels for new retail. Enterprises need to establish close ties with consumers through social media to achieve accurate marketing and word-of-mouth communication.

6. Greening: With the improvement of consumers’ awareness of environmental protection, new retailers also need to pay attention to green development. Enterprises need to take environmental protection measures, promote green products and services, and improve corporate image and brand value.

7. Supply chain optimization: New retail needs to optimize supply chain management to achieve efficient collaboration in procurement, inventory and logistics. At the same time, with the help of big data and artificial intelligence technology, the supply chain is intelligently managed to improve efficiency and reduce costs.

Application of 8.5G technology: 5G technology will bring more opportunities and challenges to new retail. For example, high-speed, low-latency data transmission is realized through the 5G network, which improves the customer experience and service quality; At the same time, with the help of the large bandwidth and low delay characteristics of 5G network, remote control and intelligent operation and VR real+virtual application scenarios are realized.

Cao Desen, Chairman of Xuetan Technology, said: "I am very pleased to jointly publish the White Paper on New Retail in China with Hurun Research Institute, the world’s leading authority on the study of high net worth individuals in China. With the rapid development of science and technology and the increasing complexity of consumer demand, the traditional retail industry is facing great challenges. In order to meet these challenges, the retail industry in China is undergoing a profound transformation towards a new retail model that is more intelligent, efficient and personalized. The’ China New Retail White Paper’ aims to deeply explore all aspects of this change and provide reference for new retail development trends and strategies inside and outside the industry. "

Hurun, Chairman and Chief Investigator of Hurun Report, said: "Hurun Report has been tracking the wealth history of China and the world for more than 20 years, and we found that the retail industry has always been one of the top five industries with the largest number of billion-dollar entrepreneurs in the world. In terms of total wealth, consumer goods and retail are the top two industries with the highest total wealth on Hurun’s global rich list this year, accounting for more than 20% of the total wealth of global entrepreneurs with a billion dollars. Interestingly, the younger generation of entrepreneurs are also keen on new retail tracks. Among the nearly 300 entrepreneurs in Hurun U30 China last year, new retail became the fourth largest track for entrepreneurs under the age of 31 in China after enterprise technology, advanced manufacturing and education. "

"From our global unicorn list, the retail industry is the fourth largest industry subverted by global unicorn enterprises. After financial services, enterprise management solutions and medical health, the retail industry has been subverted the most, with e-commerce as the main one. Driven by the Internet, big data, artificial intelligence and other technologies, the retail industry began to transform from the traditional model to digital and intelligent. The biggest breakthrough recently may be in the new retail of cross-border e-commerce, including fast fashion cross-border e-commerce Shein, etc., which has achieved rapid development through comprehensive supply chain+digital Internet retail+international express delivery. "

"In 2022, China’s digital economy will reach 50 trillion yuan, accounting for 41.5% of GDP, and digitalization will become the engine of China’s economy. Under the background of digital economy, the new retail business model has become the inevitable trend of retail development. As the government accelerates the deep integration of the digital economy and the real economy, and the promotion of a new generation of digital technology, digitalization has penetrated into all aspects of the retail industry, which has also caused tremendous changes in consumer behavior and shopping habits. "

"The new retail model driven by digitalization is empowering the entire industrial chain, profoundly affecting and significantly improving retail efficiency, thus helping the retail industry achieve high-quality growth. At present, China’s economy is in the process of recovery. We think it is necessary to observe the development status and consumption trend changes of the retail industry in China. I am very happy to jointly publish this’ White Paper on New Retail in China’. I hope the report can help all sectors of society understand the development status of the new retail industry and tap the imagination of future retail. "

The main findings of the report are:

Retail industry is the source of wealth for global entrepreneurs.

Looking at the Hurun list, the white paper analyzes the most successful entrepreneurs in the world, and it can be found that the retail industry has performed steadily and has always been the Top5 industry, the wealth source of global billion-dollar entrepreneurs. According to the Hurun Global Rich List in 2023, consumer goods (9.2%) and financial services (9.1%) are the top two industries of the world’s billion-dollar entrepreneurs, while medical care (8.4%) and retail (7.7%) rank third and fourth. In terms of total wealth, consumer goods, retail and financial services industries are leading, accounting for more than a quarter of the total wealth of entrepreneurs with a billion dollars.

When the consumer and retail recovery is going on, high-end consumption highlights resilience.

According to the economic data released by the National Bureau of Statistics, in the first three quarters of 2023, the GDP was 91.3 trillion yuan, an increase of 5.2% at constant prices. The total retail sales of social consumer goods was 34.2 trillion yuan, a year-on-year increase of 6.8%.

China’s high-end consumer market still presents a series of striking phenomena. According to "2023 Hurun to Excellent Products-Brand Tendency Report of High Net Worth People in China", the scale of high-end consumer market in China has reached 1.65 trillion yuan. Accordingly, the overall level of consumer prices of high-net-worth individuals in China has risen steadily, and their consumption power has continued to develop. In 2022, the consumer price index (LCPI) of high-net-worth individuals in Hurun China increased by 6.5% year-on-year, the highest increase in ten years.

Insight into consumption concept in 2023: the demand for quality upgrading remains unchanged, but more attention is paid to real demand.

According to the data of this survey, 41% of the respondents indicated that their consumption demand is still there and has not shrunk, but the consumption structure will be adjusted according to the changes of demand. This consumption structure, which is adjusted and upgraded according to their own actual needs, reflects the quality upgrading and rational consumption attitude. More than 40% of the respondents said that the annual household income has increased since 2023 compared with the same period last year. Among them, 59% of the respondents indicated that they would increase the total annual household consumption in the coming year, an increase of 2.6 percentage points compared with 2022.

Insight into consumption structure in 2023: tourism enthusiasm is high and health is still the primary concern.

In terms of consumption structure, tourism enthusiasm is high. Nearly 50% of the respondents plan to spend more on tourism in the coming year, followed by health care and black technology electronic products, with 45% of the respondents each planning to increase. It is expected that collections and gifts will reduce spending more, with 12% and 11% of respondents saying they plan to reduce spending. Among the subdivided consumer groups, Generation X (44 years old and above) has the strongest willingness to consume and upgrade "health care".

Insight into consumer behavior in 2023: Generation Z has higher requirements for immediacy and likes to explore the unknown, while Generation Y pays attention to experience and Generation X pays attention to green sustainability.

According to the survey data, immediate ownership (33%), green consumption, reducing the negative impact on the earth and society (31%) and trying new brands and new consumption patterns (30%) are the three main consumption styles of the respondents. From the perspective of consumer groups, Generation Z (18-28 years old) pays primary attention to instant ownership and experience, followed by being different (personalized) and trying new things, while Generation Y (29-43 years old) and Generation X (44 years old and above) have in common that green consumption is the primary starting point, and in addition, Generation Y pays more attention to instant ownership and experience. It is noteworthy that high-net-worth individuals with total assets of more than 10 million are keen to buy electronic products and experience cutting-edge technology, which accounts for 33%.

Digitalization has become the engine of China’s economy and is reconstructing the consumption scene. According to the survey data, when consumers are interested in buying a certain product, their research channels are mainly e-commerce platforms/shopping apps, shopping malls/physical stores, live broadcast rooms, short videos and evaluation apps. 80% of the respondents said that the most commonly used purchase channel is online channel, among which e-commerce platform/shopping APP has become their first choice, accounting for 42%. This shows that the epidemic has had a long-term impact on the continuous warming of online shopping trends. At the same time, the brand is constantly promoting the digital transformation and upgrading of enterprises, constantly catering to and continuing consumers’ online shopping habits.

Nearly 80% (79%) said they were willing to share their satisfactory consumption experiences. Three sharing forms, namely "sharing with friends and relatives", "sharing with social media (Weibo/Little Red Book/fan community, etc.)" and "sharing with WeChat friends circle", were commonly used by them, with obvious deep interaction and deep social attributes.

Facilitate the demand, activate the real-time retail trillion track, and lead the quality of life to upgrade.

The outbreak of instant consumer demand promotes the vigorous development of instant retail, which is the product of the upgrading of consumer experience. Instant retailing refers to the service that consumers place orders on the online trading platform, and offline physical retailers carry out door-to-door delivery through third-party (or retailer-owned) logistics. The products provided include food and beverage, fresh fruits and vegetables, digital 3C, beauty care and other commodities, and the delivery time is usually 30-60 minutes. According to the data of this survey, nearly 80% (78%) of the respondents said that instant retailing highly meets the immediate and convenient consumer demand, and that when shopping through the instant retail platform, it can enhance the shopping experience and meet their own consumption upgrading needs (75%).

Judging from the platforms that respondents choose to spend within half a year, the most commonly used ones include: Meituan take-out, JD.COM’s arrival at home, Meituan’s grocery shopping, box horse shopping, hungry, Ding Dong’s grocery shopping and so on.

From the consumption time of instant retail platform, afternoon tea is the most frequently consumed time. Today, afternoon tea has changed from a social way to a way to enjoy life.

From the structure of instant retail consumer goods, it has basically covered all the needs of consumers, showing the change of consumption trend of "everything comes home". More than 30% of the respondents said that they had bought fresh fruits and vegetables (43%), leisure snacks (40%), grain, oil and non-staple food (36%), drinks (34%), meat, eggs and poultry milk (30%) on the instant retail platform.

Real-time retail distribution is still based on traditional human transportation, and unmanned distribution is used as a supplement to distribution scenarios and technical empowerment. More than 10% of the respondents have experienced the unmanned distribution mode.

Category richness and timeliness are the two most important reasons for choosing instant retail platform for consumption. Among the three generations of consumer groups, the first two motivations they choose for instant retail consumption are: Z generation’s "quick delivery" and "being able to buy outside normal business hours", Y generation’s "rich categories and complete varieties" and "online and offline integration of retail stores", and X generation’s "rich categories and complete varieties" and "quick delivery".

77% of the respondents indicated that they would increase shopping on instant retail platforms in the future, providing broad space and motivation for the future development of the instant retail industry. China Chain Store & Franchise Association predicts that by 2024, the size of the instant retail related market will exceed 1 trillion yuan.

How will the metauniverse reconstruct the consumption scene? -immersive experience, real interaction, and a social circle with thousands of people.

The field of consumption is an important scene in the application of metauniverse. Breaking the boundary between virtual and reality will bring more new products, new scenes and new experiences, and will also bring great impact, change and greater development opportunities to the consumer industry. According to the survey data, 79% of the respondents said that the Meta-Universe can help them understand and plant more innovative and high-quality goods, 77% said that the Meta-Universe can make them happy to share their consumption experiences, and 76% said that different scenes in the Meta-Universe bring them more interesting shopping experiences.

Technology Affecting Future Retail: People-oriented

Artificial intelligence-intelligent customer service to solve customers’ worries;

XR-virtual reality, which makes customers immersive;

Cloud computing platform-"goods follow the heart" and "connect with customers";

Digital Logistics: Internet of Things-Pursuing the ultimate "price ratio" for customers;

Flexible supply chain-"what you think is what you get", guiding production with customer demand.

? Research methods:

The research results of "2023 Huoshao Lianying Hurun China New Retail White Paper" come from the joint project of Huoshao Lianying and Hurun Report. This report focuses on the analysis of the current situation of retail industry in China, exploring the changes of consumer demand and trends after the epidemic and the imagination of future retail scenarios. The report answered four questions: What are the characteristics of China’s retail development? What are the core findings of the retail industry through the Hurun list? The change and invariability of consumer demand and trend after the epidemic? Driven by technology, what are the imagination spaces for future retail scenes?

The research methods of the white paper include desk research and special investigation. First of all, the project team fully tapped the research results of Hurun Report for more than 20 years, and relied on the database of Hurun Report’s high-net-worth people to explore the consumption trend of high-net-worth people in China. In the way of special investigation, the project team adopted a combination of quantitative and qualitative research methods to ensure the depth and breadth of the research. The project team invited 6 experts in the retail industry to conduct qualitative interviews and 300 high-net-worth people to conduct quantitative research, and gained a wealth of first-hand information, based on which an opinion output with research value and significance was formed.

Women, Underestimated Growth Force in the Workplace

Guide: You know that we are weak in appearance, but I don’t know that we are stronger than anyone else.

Introduction:

Li Jing, the host, once wrote in a book: "There has never been an era that can give women such a broad and rich choice, which comes from my promotion, self-realization and self-transcendence. In some fields and industries, women even have more opportunities and gain more respect than men. "

But the inherent prejudice is like a label that is difficult to tear. Even if it is shoveled off, it will still leave glue marks in people’s hearts.

Yang Feifei, who has become the director of the service center, will still be questioned by new users: "Can girls fix their mobile phones?"

Yang Xiaoxue, who has excellent customer service team performance, will still be questioned: "It is not difficult for girls to do customer service well, right?"

Zhang Wenyun, who successfully built an OPPO service expert group and led a 40-member team, still could not escape being asked: "How should women balance their career and family?"

How do women break through the inner and outer walls, tear off the label and shovel off the glue mark at the same time? Today’s heroes-Yang Feifei, Zhang Wenyun and Yang Xiaoxue-use their personal experiences to tell how women try their best to win more respect and possibilities for themselves.

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Yang Feifei never thought that she, who studied business administration, would one day become an expert in repairing mobile phones. Initially, Yang Feifei was the front desk of a service center, acting as the "mouth" of the repairman outside the closed mobile phone repair room, and reassuring users with professional communication.

In order to do this "reassurance", Yang Feifei has made great efforts. She humbly asked the maintenance master, and every time she met a question that she couldn’t answer, she got to the bottom of it. The more you learn, the more possibilities you naturally look forward to.

In 2016, OPPO service was upgraded, and the service center was upgraded from closed maintenance in the past to transparent maintenance. In the past, users could not see the process of mobile phone maintenance, which inevitably led to questions and worries. After the transparent maintenance upgrade, users can not only see the engineer’s maintenance face to face, but also ask face to face; Spare parts replaced during maintenance can also be queried through official channels to avoid users’ worries about surcharges and arbitrary charges.

As a result, Yang Feifei’s front desk work was weakened, and she had to find a new way out. Just at that time, the service center maintenance master was understaffed. Yang Feifei thought, since he can be an engineer’s "mouth", why can’t he be an engineer?

But the transition from front desk service to maintenance engineer is far more difficult than Yang Feifei imagined. First of all, I got the qualification certificate, and persistent Feifei got the qualification of junior engineer and moved on to senior engineer. If you want to get a certificate, you have to take the written test, interview and practical operation. As long as there is one unqualified item, you can’t get the certificate, and the passing rate of senior engineers is less than 20%.

After putting the children to sleep at 10 o’clock every night, Yang Feifei began to recite and take notes, and his life was more fulfilling than the college entrance examination. In this way, she abruptly "chewed" the senior engineer qualification certificate.

However, this is only the first level. In addition to professional skills, facing the transparent maintenance of users, courage is a compulsory course. At first, Yang Feifei didn’t dare to repair in front of users. She felt that being watched, the screw would break through the inner screen in the next second. In order to practice her courage, she asked her colleagues to act as users and stare at herself. At first, hand shaking was inevitable, but with more practice and familiarity, you can cope with it.

In the past, users came to the service center to repair their mobile phones, preferring to wait for an afternoon with a male maintenance engineer rather than looking for a "female teacher" like Yang Feifei to repair them. However, the experience of being rejected and left out again and again did not dispel Yang Feifei’s enthusiasm. She said: "No matter whether the user trusts me when he comes, I will definitely make him satisfied when he leaves." Her skill and sincerity touched every user who came to repair it. Now, users who are familiar with the OPPO Service Center in Linhai will directly call Yang Feifei.

Today, she is the director of the OPPO Service Center in Linhai City. In 2022, Yang Feifei’s service center scored full marks in many monthly assessments.

Occupation is gender-neutral. Yang Feifei proved this statement with his own actions. The position of maintenance engineer, boys can do it, girls can do it, even better. Influenced by her, Yang Feifei’s son is also particularly interested in digital products. When his mother is repairing, he watches quietly, and the seeds of technology are quietly planted in the children’s hearts.

This is the way for Yang Feifei to change. She turned "dare not think" into "possibility".

Zhang Wenyun, who is also a mother, also worried after her second child returned to the workplace. Is she unable to keep up with the pace of the company?

Zhang Wenyun, who came to OPPO after graduating from college, is in her 11th year in the company. From the grass-roots level to business operation to team management, she has grown from a young freshman to a unique team core backbone, and her growth is inseparable from the rapid development of the company. However, when she came back after giving birth to a second child, she found that both the adjustment of the company’s organizational structure and the impact of new colleagues, new competition and new perspectives made her feel stressed.

At the same time, she gradually realized that in the past, in the core business, the company was also developing at a high speed and could continuously prove its value; But if the business is no longer the core, do you still have the confidence to play your own value? It can be said that she has come smoothly from the newcomers in the workplace and received a lot of support and help. When she becomes an old employee of the company, can she also sum up experience and help more young people to avoid detours and become a light for others? Zhang Wenyun seems to have found the breakthrough point of career bottleneck.

In 2020, OPPO pushed the NPS project. As the first project member, Zhang Wenyun found his initial intention to enter the OPPO service. No matter how big the company is and how much business is laid, users are still the foundation and foundation of service.

She went to the front line, thought of the front, stood from the user’s point of view and listened to the user’s voice at close range. Although "land reclamation" is hard, but watching the business continue to open up more possibilities, users continue to praise, Zhang Wenyun once again found the head of work and his own value.

Zhang Wenyun and Yang Feifei are wives and mothers, but these roles do not prevent them from becoming independent experts in the workplace. They have broken through the two "heart walls" of women’s workplace, which are blocked by external prejudices and bound by internal self.

The real strength of women is that they no longer set limits on themselves and live a wonderful life every day. Because life is like a play, if it is a play, there will be calm waves, and there will be climaxes, so you don’t have to care about other people’s comments. Take root down, grow up, and live a new height on this limited life road.

"The work of telephone customer service is indeed more difficult than expected." Yang Xiaoxue went through the three-certificate examination and a month-long training before he successfully took up his post. However, she didn’t fully adapt to the customer service work at first, especially when communicating with strangers. Her hands were shaking at the first connection, but Yang Xiaoxue’s personality created her strong personality. Since she chose it, she must stick to it.

As a customer service, helping users to deal with problems online requires very strong problem positioning and emotional appeasement. Compared with offline services that can see problems face to face, online customer service can only speculate and locate user problems through user descriptions. At the same time, some users often come with emotions because the problems are not solved. Calm down the user’s emotions first, and then solve the problem, which has become the daily life of Yang Xiaoxue’s online customer service.

For Yang Xiaoxue, it is not only necessary to help users solve problems, but also to bring users a sense of security.

Especially for the elderly whose children are not around, customer service is often the only way to solve their mobile phone problems. On one occasion, Yang Xiaoxue received a special call for help. The other party was an illiterate old man, and his children were not around, so there was no way to help him operate. Yang Xiaoxue found an identical mobile phone, operating and answering. Although the service time of this call is several times that of other calls, it can effectively solve the problem for the elderly, which makes her feel very fulfilled and finds the meaning of customer service.

Yang Xiaoxue’s customer service work is not always smooth sailing. Many girls who came in with her at the same time left because of the pressure, which sometimes comes from harassing calls late at night. Sometimes a bad review requires 30 favorable reviews to pull back the assessment pressure; Sometimes it is a return visit that is not done in place, and it is complained by users …

But the idea of "leaving" never appeared in Yang Xiaoxue’s mind. In her words, "I am competing with myself". From the former "social fear sprouting new" to today’s "among the best", Yang Xiaoxue gave himself a more independent confidence with excellent strength.

Zhang Wenyun is also "competing with himself".

In 2021, the Find X3 series, a high-end product of OPPO, went on the market, and the OPPO service also upgraded the user service system. It is necessary to build a customer service team completely different from the traditional customer service from 0 to 1-"service expert group".

Zhang Wenyun volunteered. For her, the service expert group is another decision to be close to users and return to the original heart.Since it is the right way, why hesitate?

But everything starts from zero, and what role, positioning and resources the service expert group needs, Zhang Wenyun is completely groping across the river. In the expert group training system, it is required to go through more than two months of in-depth training from entry to formal employment in order to master systematic professional knowledge and service skills. However, due to lack of experience, recruitment, training and operation management have not been taken into account, and the team mobility is very high, and the business indicators are not up to standard.

In the first three months, Zhang Wenyun experienced a "dark moment" in the past 10 years. Brand-new challenges, brand-new work content, Zhang Wenyun dare not stop at the same place, because stopping will definitely fail.

Once people compete with themselves, the hardest thing to say is to give up. Zhang Wenyun survived those three months and gradually found a way. Both training and management were gradually on the right track, and the team gradually stabilized.

The "service expert group" is different from the general customer service. The team adheres to the concept of thinking more about users and taking one step further, and actively provides appointment services when users need it; Provide diversified tutorials for users who have difficult problems with their computers; Understand the real pain points of users, treat users as friends, and be anxious for users … ……OPPO service has achieved the ultimate in innovation and service upgrade.

Talking about family issues, Zhang Wenyun also said frankly: "Work and family cannot be completely balanced. If you invest more in your work, you will always pay less for your family." Fortunately, her parents and husband are very supportive of her work, and her family has become the most stable "rear area" when she is in the forefront of the workplace.

Wen-yun zhang also said:"The balance between family and career should not only torture women. Both men and women will face the same problem, but everyone defaults that women should pay more for their families. "

Nowadays, Zhang Wenyun and Yang Xiaoxue are struggling to grow towards their desired goals. In the days when they are sailing against the current, they take root hard. When riding the wind and waves, it will grow up again. They use tenacity and indomitable spirit to interpret the meaning of not giving up, break through difficulties again and again and win for themselves.

For OPPO services, a person’s role is not only related to themselves.

Every hotline customer service and maintenance engineer has undergone strict screening and professional training; For outstanding talents, OPPO also provides them with growth and promotion channels. They not only live as light themselves, but also become the light of users and teams.

In traditional values, women are often associated with "weakness" and "meekness". Another example is the trouble of Yang Feifei and Zhang Wenyun-people will only say that gentleness is the advantage of women, but they often ignore that they can also play their roles through technical strength and leadership. This is their former cocoon house.

Now, they are rushing out of the cocoon house and turning into butterflies.

Their growth is also closely related to the growth of OPPO services.

In 2008, OPPO service had its first service center in Beijing;

In 2009, the service hotline opened 7 * 24 hours online;

In 2016, closed maintenance was upgraded to transparent maintenance. In the same year, the service of sending and repairing was launched, which brought more convenient service and experience to users;

In 2017, a one-hour quick repair service was launched;

In 2018, on-site maintenance was launched;

In 2019, O School was launched to learn to play computer games with enthusiasts.

In 2021, the service expert group was established.

In 2022, with the Find N2 series, the screen breakage protection products of 1V1 exclusive service housekeeper and internal and external screens were launched.

Every change brings together excellent female strength; Every progress is a two-way trip between OPPO services and partners.

For women, it is not only Women’s Day that they should be respected and applauded, and it is worth celebrating. Every day when we explore the possibility of women’s development, every progress is worth remembering.

Finally, at the end of Fang Qi’s words, she said, "Why does a girl fight so hard? Because life won’t look at you as a girl, so go easy on her. You see that we are short, but we can’t see our inner strength; You know that we are weak in appearance, but I don’t know that we are stronger than anyone else. "