2008 Honda Accord

Hello everyone! I’m Bump Man, the vehicle inspection technician. I am a maintenance technician with many years of experience. Now I am a used car inspector, in charge of car inspection. I am an idiot who specializes in eliminating car monsters with accident problems. Welcome to this interesting used car inspection.

Model (||) is the eighth generation Honda Accord and the third generation domestic Accord. At that time, it coincided with the establishment of Guangqi Honda factory for ten years. This Accord is also called "the strongest Accord in history" because it is equipped with three engines with Honda VTEC technology, each of which is very powerful. The entry-level 2.0-liter naturally aspirated version is very fuel efficient. The 2.4-liter version has the highest power matching; The 3.5-liter version has the most linear and natural power and full thrust. Until now, many people are still looking for the 3.5L eighth generation Accord.

Nowadays, fans also like this Accord very much. At that time, the car still had to be sold at a high price. In 2008, it could be 200,000 yuan, which was not a small sum at that time. Therefore, fans have been paying attention to the used car of Bayaccord and want to feel it for themselves, but he also knows that it is a car in 2008 after all, and it has been more than ten years since today.

With our help, this car fan has seen a lot of cars before, either in poor condition or low value, so he has always hoped to find an Accord with a single owner, so that the car condition is more reliable. During this time, he found today’s protagonist and posted it online by himself. The owner said there were too many cars at home, so he had no choice but to sell his old car. The fans decisively contacted the time and place and arranged for us to go to the scene to watch.

The Honda Accord that came to test drive this time, after more than ten years of baptism, the appearance of the whole vehicle has been covered with mottled traces. This is also because its own white paint surface can’t avoid the erosion of time, and it is covered with a lot of dust. The owner said that he hadn’t driven for a while and there were too many cars at home. Now this car rarely drives, so I consider selling it. In fact, after so many years of driving, there is no big problem. It’s not true that there is no place to put your car. And I know this skill clearly, just look at it!

Model: 2008 Accord 2.4L Automatic Standard Edition

Date of production: January 2008

Apparent mileage: 13W km

Guide price of new car: 229,800 yuan

Seller’s quotation: 68000

Generally, the more the seller or the former owner criticizes the car condition, the more our car inspector feels like a cat scratching, especially this emotional car, so the concave man really needs to carefully check whether the car condition is the same as the owner said.

Before it’s too late, we started the inspection today and checked the front bumper. After investigation, the front bumper of the car has obvious paint flying marks, and there is a big gap in the installation position. It should be replaced later, which is a bad start.

Check the front cover and find obvious sheet metal marks, so high and so forward. No wonder the front bumper was damaged and the front of the car crashed.

When measuring the left front fender, it was found that the paint value was obviously low, which was caused by the paint after the later replacement. On the premise of saving materials by replacing new fenders in the later stage, the paint is easy to sag if it is too thick. Once this happens, polishing is time-consuming, so painters try to spray as thin as possible. After all, manual work cannot be as accurate as mechanical nozzles.

Check the front windshield for obvious signs of replacement. It seems that the accident in front also caused damage to the windshield.

A part of the left A-pillar was inspected, and it was found that there were also traces of painting, and the scraping dust in this place was thick. Although it has not reached the level of sheet metal, it also shows that this position has a light shape.

The left front door is close to the fender, and there is also obvious sheet metal painting. No trace of sheet metal was found in other parts of the left side, but the left back door was painted, so I won’t list them one by one because of limited space.

There were also paintings on the back cover, but no traces of metal sheets were found.

There are also obvious paint marks on the rear bumper, and no abnormalities are found in other parts of the rear.

There are traces of metal sheets on the right rear fender, which should be caused by scratches, because no metal sheets were found in the tail inspection.

The starting point of sheet metal parts is the lower right beam, so it is caused by friction. The friction in this place depends on whether there is deformation inside the beam.

Fortunately, the interior has withstood the test without any signs of deformation.

When tested in other places on the right, there was no sheet metal phenomenon, but there were basically traces of painting, but the A-pillar part was still normal.

The screws on both sides of the fender were obviously removed.

And there are obvious metal traces on the right front fender. Generally speaking, there is still a lot of paint and sheet metal in the whole vehicle.

But after all, this is a classic car with hundreds of thousands of kilometers. I hope the upcoming test will bring us some good news. Even in such a big sun, Bump Man has no feeling at all. Let’s continue the test with great expectation.

Then we check the engine compartment of the vehicle. This engine is equipped with a 2.4L i-VTEC engine, with a maximum power of 132K.w, a maximum torque of 225N.m and a maximum horsepower of 180Ps. Matching it is the 5AT gearbox, which is a golden combination in terms of power and durability. Even after so many years, the engine compartment still looks clean and there is no leakage of wet oil.

There are many leaves on the crown of the tree, indicating that the vehicle has stopped for a long time, and it seems that it is really waiting for someone.

Check the screws of the machine cover, and find that there are obvious disassembly marks, and there are metal sheets on the front cover. Disassembly and adjustment can be considered as normal operation. Whether the specific collision is serious or not, we will continue to verify.

However, it is not easy to find the vehicle during the inspection. Initially, when inspecting the right front longitudinal beam, it was found that there were obvious weld repair marks on the longitudinal beam. It seems that the accident in front is not small, which leads to the repair of the front bumper, front fender and longitudinal beam.

Knock on the blackboard, the point is coming! Because many radiator frames of Japanese cars are welded on the car body, the longitudinal beams of this car are welded and repaired, and the radiator frame is inevitably repaired. The frame you can see here is also obviously deformed.

At the left front longitudinal beam, there are also obvious traces of post-repair. The whole longitudinal beam is very uneven.

And the side beam of the front fender also has obvious repair marks.

Looking at the frame of the right water tank from below, there are also obvious maintenance marks.

The water tank frame on the left side also has obvious maintenance marks, and the front anti-collision beam also has obvious disassembly marks, and the wiring harness buckle is not installed.

The outside temperature sensor has not been reinstalled. This is the result of the mechanic’s carelessness, and the front bumper spray water is also sprayed on the bellows of the internal wiring harness. These are more casual paintings, non-stop.

After the inspection here, it can be concluded that the accident of the vehicle is likely to be the replacement of the whole front face, including the deformation of the fender longitudinal beam and the deformation of the side beam, and the water tank and condenser are definitely not guaranteed.

Seeing that the repair marks of the longitudinal beam are so serious, the two front shock absorbers of the vehicle are still in the normal range. It seems that the vehicle didn’t hit here, but the repair of the longitudinal beam has been a proper major accident vehicle. The fans are having tea with the seller now, so I can’t go in and disturb them directly. I’ll tell him when it’s time to check the chassis.

Engine compartment inspection shows that the brake oil has deteriorated seriously and needs to be replaced in time.

There is also the deterioration of the engine oil, but the internal carbon deposit is still relatively small, so it is good to replace the engine oil.

When checking the oil, it was also found that there was a slight oil leakage in the valve cover. After so many years, it is estimated that the seal is also aging.

The battery also needs to be replaced because the car has been parked for a long time, which is inevitable. Other parts of the engine compartment are still normal, so I won’t list them here.

Then we checked the inside. The development and design of the eighth generation Accord is "advanced-strong", which means the perfect integration of "forward-looking technology and radical power". According to this concept, Honda Technology Reseah has gathered the latest technologies and developed a brand-new technology platform, which embodies the perfect interpretation of Honda’s global DNA in many aspects such as design, safety, dynamic performance, handling and environmental protection.

Look at the seat part first, there is no sign of disassembly of the seat.

There is no obvious corrosion on the lower part of the seat. I can tell you here that vehicles that have not been flooded normally, especially Japanese cars, have not seen any traces of corrosion for more than ten years, and many fans have reacted. Seeing a little corrosion on the car, the car always argues that it is caused by empty air and water.

This statement is very untenable. Concave man has seen many cars. Although each manufacturer is different, some other brands will have corrosion, but after watching so many Japanese cars, corrosion will basically not happen. So it’s best to have a bottom in your heart when you read it, and don’t be cheated.

Similarly, no obvious corrosion was found in the steering column.

The fuse box in the car is also relatively clean, and no rust and sediment are found.

The cigarette lighter part is also normal, basically excluding the existence of blisters in the vehicle.

However, the vehicle seat is seriously worn, but after all, it is more than 100,000 kilometers. After more than ten years, these are still within the normal range.

As I said before, there was an accident in front, so serious that the airbag must be replaced. Here, the airbag was found disassembled.

Another small problem is that the rear air outlet has been damaged and cannot be adjusted normally.

Then we started the vehicle and found that there was no fault light on the vehicle. The mileage shown on the vehicle meter is 135,266 kilometers. According to the wear and tear of the interior, it should be the actual mileage of the vehicle.

After starting, we tested the functions and found that all the functions of the vehicle can still be used normally. Sure enough, the durability of Japanese cars is still relatively high.

The fly in the ointment is that a desk lamp is broken, so it will be fine to change a light bulb in the future.

The cooling effect of empty space is still surplus. According to some car dealers, empty space can freeze watermelons. However, when the compressor works, the vehicle has obvious jitter. Later, it is necessary to check whether the throttle blockage leads to insufficient air intake or compressor failure leads to jitter.

Seeing this, the next step should be the road test, which is on the shelves. Fans also heard the sound of the car starting and came to ask me how the car was. I didn’t expect the seller to follow, so I told him about the car and the previous maintenance. He was also surprised to hear this. He said that the seller didn’t explain the situation at all, and he said that he would definitely not come.

The seller also said that there were many cars at home, otherwise they wouldn’t have sold them. Besides, I also saw the car being left here for so long. I thought it was really him. It seems that he doesn’t want to drive by himself because of the accident. In this case, I won’t look at the latter part. It seems that I have no fate with it. So you can leave first, I’ll go in and talk to him, and then I’ll think about it.

It’s time to sum up the vehicles today. The automatic standard version of Honda 2008 Accord 2.4L EX tested by the seller today quoted 68,000 yuan, which was significantly higher than the market price. At present, the transaction price of this car in the online market is around 53,000, but because it is Japanese, the quotations in many places are relatively high, specifically in the early 60,000 s. But today, the price of the vehicle is 68,000 yuan. Obviously, I’m sorry about this car condition. The accident in front was so serious that the seller thought he put it online.

Later, fans also said that they finally found a car and thought it would be more reliable than the car dealer. That man wanted to meet this kind of situation. Fortunately, he brought someone to test it today, otherwise he would really do it. Concave man also reminds everyone here that if you buy a popular style that has been popular for a long time this year and also has the attribute of "feelings", you should read it carefully, otherwise you will lose a lot in the future.

On the one hand, the vehicle is older and it is more difficult to sell it later. On the other hand, if the vehicle is in poor condition, the cost of going back for maintenance is also higher, and the cost of maintaining the vehicle is also higher. Just like today’s Accord, although the engine part seems to have little problem, even a 200,000-kilometer Japanese car will not have serious engine problems. The key point is that this vehicle accident is relatively large, and the safety of buying it later cannot be guaranteed.

Ok, that’s the end of today’s test sharing. I am a second-hand test technician in vehicle inspection. If you have a favorite car, but are not sure about its condition or other problems related to used cars, you can pay attention to us. Car inspector is willing to be your friend who knows cars best!

Like it, like it, and spray it if you don’t like it. I repair cars more, study less, and write badly, so please bear with it. If you are as optimistic about used cars as we are, or if you want to be an expert, don’t forget to collect and forward them!

New car 3.8 million, lost a (||) ten thousand kilometers. Buyer: What a bargain.

At that time, the new car was 2.6 million, and it lost 2 million after driving 30 thousand kilometers. Is it worth 600 thousand to buy this car?

It landed nearly a million years ago, and now it only costs 40 thousand. Can you afford this (||)?

Why did A3.3 million A 5L run for 2,000 kilometers and sell it?

Chongqing Nankai University Middle School: Condensing the majestic power, writing a new chapter in education

"Grasp ideological and political work, improve the’gold content ‘of ideological and political classrooms, strengthen the construction of teachers’ ethics and style, and lead the development of basic education…" Recently, Ran Mengkai, Secretary of the Party Committee of Nankai University Middle School in Chongqing, said in the signed article "Condensing the majestic power, writing a new chapter on education" that in recent years, Nankai University Middle School has implemented the party’s educational policy with practical results, maintained the moral and tree the main position, practiced the spirit of "educator", satisfied the people’s yearning for a better life, responded to "great promise" with "great achievements", and responded to the party’s call and the masses’ expectations with the educational achievements of Nankai University.

The following is the full text of the article:

Condensing the majestic power and writing a new chapter in education

Ran Mengkai, Secretary of the Party Committee of Nankai University, Chongqing

The new era calls for new actions, and the new journey requires new responsibilities. Nankai University Middle School fully implements the party’s education policy, responds to "great promise" with "great achievements", and responds to the party’s call and the masses’ expectations with Nankai University’s educational achievements.

Grasp the ideological and political work and implement the party’s education policy with practical results

Nankai University Middle School continues to make efforts from four aspects: organizational strengthening, teacher training, student shaping, and home-school co-education, forming a closed-loop chain of ideological and political work.

Fully highlight the core position of the party organization in the school work. The school party committee deeply implements the principal responsibility system led by the party organization to achieve comprehensive leadership over the school work. The school party committee adheres to the main responsibility of managing the party, running the school, and will put the direction, managing the overall situation, making decisions, grasping the team, leading the team, and ensuring the implementation of political requirements, which run through the whole process and aspects of running the school, teaching and educating people.

Under the leadership of the school’s party committee, the "Chongqing Primary and Secondary School for Party Building and Innovation" and "Chongqing’s first batch of clean schools" were established, the "Hongyan Pioneer Transformative Party Organization" was established, and the "Ran Mengkai Party Organization Secretary’Double Leaders’ Studio" was established. The "Public Power · Mirror" party building action was carried out, and the "Hongyan Pioneer Demonstration Post" was selected. With party members and teachers as anchors, it took the lead in building an ideological and political work team with excellent political quality and excellent professional ability. Guide all teachers to stand up with morality and be the leader of students’ growth and talent.

Nankai students hold the "New Era Integrity Culture Reader" to study at the Integrity Culture Education Base. Photo courtesy of Chongqing Nankai University Middle School

Nankai students hold the "New Era Integrity Culture Reader" to study at the Integrity Culture Education Base. Photo courtesy of Chongqing Nankai University Middle School

Continue to reform the way of moral education and educate people, and encourage middle school students to set great ambitions, make great virtues and become great talents. Implement the trinity curriculum system of "knowledge-feeling-ambition" and the practice system of "public power" moral education, explore the flexible psychological education mechanism, and practice patriotic education with public power culture. Offer a wealth of elective courses in Sinology and intangible cultural heritage, teach traditional crafts such as pottery, paper-cutting, tie-dyeing, and encourage students to participate in Sino-foreign cultural exchange programs to broaden cultural horizons and inspire cultural self-confidence. With party building and team building, we will create the red brand "Nankai University Story Club", carry out the "Red Rock Soul" walking group class, and do a solid job in the moral education basic project of "retaining the roots and connecting the qi". Guide the young students of Nankai University from "people who listen to stories" to "people who tell stories" and grow into "people who write stories".

Nankai University middle school walking group class - into the new channel of land and sea. Photo courtesy of Chongqing Nankai University middle school

Nankai University middle school walking group class – into the new channel of land and sea. Photo courtesy of Chongqing Nankai University middle school

Build and make good use of Qinglian Zi Parent School. Carry out home-school and community co-education with "Top Ten Parent Classrooms", create a warm and harmonious educational ecology, and cultivate students into modern citizens who love truth, pursue virtue and excellence with sincerity and love.

Improve the "Gold Content" of Ideological and Political Classroom and Guard the Main Position of Lide and Tree People with Practical Results

Remembering the "We must make good use of the’big ideological and political class’", adhere to the fundamental task of building people with morality, take society as the textbook and the times as the theme, develop the "golden class" of ideology and politics, cultivate the "golden teacher" of ideology and politics, create the "golden product" of ideology and politics, improve the "rise rate" of young students in ideological and political classes, steadily improve the "gold content" of ideological and political classes, and effectively enhance the sense of acquisition of young people.

Do a good job in the cultivation and training of key personnel in ideological and political courses. The school party committee adheres to the curriculum development concept of the integration of knowledge and action, and the co-education of reason and reality.

To build and strengthen the integrated education system of ideological and political courses. To further promote the integrated construction of ideological and political courses in universities, middle schools and primary schools, grasp the main channels of classroom education, select key personnel of ideological and political teachers, maintain the main position of morality and tree people, enhance students’ ambition, backbone and confidence, and strive to cultivate "public" young people with both family and country feelings and world vision. Based on the advantages of red cultural resources in the sand area, carry out a series of activities to "crown the name of Hongyan and cast the soul of Hongyan". Fully integrate the strengths of all schools in the Nankai University Middle School Alliance, establish a research and implementation system for ideological and political integration, and form a "Hongyan Big Classroom" curriculum system with the temperament of the Nankai University Alliance. Focusing on the integration of teaching system, teaching activities and teaching practice, promote the integration of training and learning, and realize the integration of professional growth.

Strengthen the construction of teachers’ ethics and style, and practice the spirit of "educator" with practical results

The school party committee vigorously promotes the spirit of educators, benchmarking the standards of "four have" good teachers, "four guides" and "four unity", and constantly strengthening the construction of teachers’ ethics and style, helping the whole school staff to establish "the self-consciousness of words as teachers and behavior in the world", motivating the teachers of the whole school to be the "moral teachers" and "article teachers" of young students, and guiding the staff to become the "big masters" of education for students to learn, do things, and be people.

Innovate the form of teacher ethics education, establish and improve a long-term mechanism for the construction of teacher ethics and style. Every Tuesday at the administrative office meeting, theoretical learning, model learning, and warning education videos are regularly broadcast, and ideological and political classes are regularly carried out for secretaries and principals. The concept of Nankai University’s public energy is integrated into the teacher training system, highlighting teachers’ sense of responsibility, mission education, and patriotism education, so that the requirements of teacher ethics and style are internalized in the heart and externalized in the line.

Strict teacher ethics assessment, so that teachers’ code of conduct "grows teeth". The school party committee strictly implements the ten guidelines for teachers’ professional behavior in the new era, and implements teacher evaluation methods involving students, parents, and society. In the past five years, third-party evaluations have shown that the school has always been highly affirmed by parents, students, and society. Formulate the "Four Have · Five Pin" golden class teaching evaluation standard, and adhere to the "zero tolerance" situation of "one vote veto" on the issue of teacher ethics and teacher style.

Highlight the example and demonstration, so that excellent people can be seen, learn, and do well. Establish a teacher honor system in Nankai University to build momentum for teaching and educating people. Honors such as outstanding young teachers/class teachers, backbone teachers, teaching masters, and teaching and educating models are gradually advancing, and teachers at different stages of growth are encouraged to strive for professional goals. Special projects set up honors such as teaching achievement awards and excellent reviews of subject group writings to motivate teachers to cultivate and study carefully, write books and make stories, and achieve professional growth. The school party committee sets up party member Hongyan Pioneer Demonstration Post for all front-line teachers with teacher ethics and mass satisfaction as the core assessment standards. Give full play to the role of outstanding party members and teachers as role models in teaching style and school ethos, and make the "excellent standards" and "codes of conduct" of teachers’ ethics and teaching style process and visualize. Timely absorb teachers with excellent teaching results and good teachers’ ethics and teaching style to join the party, deepen the "dual training" system of "training party members into backbone members, and cultivating backbone members into party members", so as to drive the teaching staff to build morality and build people and build souls.

Leading the development of basic education and meeting the people’s yearning for a better life with practical results

The school party committee deeply takes public welfare, universal benefits and high-quality balance as the basic direction, focuses on the urgent needs of the people, and relies on the courage and perseverance to innovate and climb the hurdle to answer the new era of "building a high-quality and balanced basic public education service system" ordered by the times and the people.

With reform and innovation as the driving force, activate the endogenous development momentum of education. Take the lead in building the "Nankai University Public Curriculum System" with curriculum as the center, and the school won the only first prize in Southwest China in the first national basic education achievement promotion. Awarded honors such as National Civilized Campus, the first batch of national demonstration schools for the implementation of new curriculum and new textbooks for ordinary high schools, and China Youth Maker Olympic Experimental Base. Relying on the "10,000-person plan" teaching master teacher studio, Ministry of Education master teacher pilot engineering expert studio, mental health education teaching expert studio and other national and municipal master teacher studios, various subject bases and Peking University Boya School, Tsinghua Qingnan School, Qiu Chengtong Youth Class and other top-notch innovative talent training bases, hold and host more than 10 national academic forums to improve the school in basic education has the voice over and influence. Since 2020, school teachers have won 1 second prize of the National Teaching Achievement Award, 2 first prizes of the Chongqing Municipal Teaching Achievement Award, and more than 20 first prizes of municipal and above book selection activities. They have won more than 30 first prizes at the municipal level and above in high-quality course competitions and teaching skills competitions. They have established a "double new" special academic journal "New Curriculum and New Textbook" for national distribution. They have published 14 books, published more than 50 papers in core journals, and established 16 provincial and municipal-level and above topics, achieving full coverage of writing topics. A total of more than 10 teachers have won honors such as recipients of special allowances from the State Council, famous teachers of the National 10,000-person plan teaching, national basic education achievement awards, and famous teachers of Chongqing disciplines.

Nankai University Middle School hosts the 2023 exchange seminar on top-notch student training and "High School and University Connection Education". Photo courtesy of Chongqing Nankai University Middle School

Nankai University Middle School hosts the 2023 exchange seminar on top-notch student training and "High School and University Connection Education". Photo courtesy of Chongqing Nankai University Middle School

Through brand co-creation, platform co-construction, teaching co-research, and co-training of top-notch innovative talents, the school-running pattern of Nankai University Middle School, Nankai University Liangjiang Middle School, Nankai University (Rongqiao) Middle School, and Nanyu Middle School has been formed, improving the quality of teaching and learning, and fulfilling the promise of "making good schools at the doorstep of ordinary people".

The school implements the "group-style" assistance mechanism for educational talents of the Organization Department of the Central Committee. Photo courtesy of Chongqing Nankai University Middle School

The school implements the "group-style" assistance mechanism for educational talents of the Organization Department of the Central Committee. Photo courtesy of Chongqing Nankai University Middle School

Focusing on promoting the high-quality and balanced development of education, we carry out various forms of mutual assistance activities. Every year, 200 famous teachers are selected to participate in high-level teaching reform forums across the country to share the experience and wisdom of education and teaching. More than 4,000 people come to the school for exchange and study visits every year, and nearly 100 visiting scholars from the west of the Three Gorges Light have come to the school to study on the job. They normally share the achievements of education and teaching reform and innovation of Nankai University, and cultivate business backbones and management backbones for various schools. Implement the working mechanism of "group-style" assistance for educational talents of the Organization Department of the Central Committee, select outstanding teachers to help the Chengkou Experimental Middle School affiliated to Chongqing Normal University, and "transplant" the public education concept and running experience of Nankai University Middle School according to local conditions to help the development of Chengkou Education. One member of the support teaching team was awarded the "Top Ten People of Chongqing Rural Revitalization". Participate in the coordinated development of Yuxin Education in the new era, and help the high-quality development of No. 1 Middle School in Balikun Kazakh Autonomous County, Xinjiang. Implement the "County High School Quality Improvement and Empowering Plan", practice the concept of "co-construction, sharing, integration and progress", build the Nankai University Mathematics and Intelligence Education Alliance, and radiate to Xinyunchuan, Chongqing and Guizhou Since 2010, the school has bundled and assisted some schools in Pengshui County, Shizhu Tujia Autonomous County, Qianjiang District, Wulong District, Qijiang District, Shapingba District, etc., to promote the high-quality development of county-level education.

Nongfu Spring: 2023 revenue 42.667 billion yuan, net profit growth of 28.36%, market share of 23.6%

[Nongfu Spring has been the richest man in China for four consecutive years, and the founder Zhong Shansui’s wealth has reached 450 billion yuan]

The Hurun Rich List in 2024 shows that the founder of Nongfu Spring, Zhong Shanyuan, has become the richest man in China for the fourth time with a total wealth of 450 billion yuan, breaking the highest record for the richest man in China for more than 20 consecutive years. At the same time, Zhong Shanyuan topped the list with a shareholding market value of 456.27 billion yuan in the 2024 New Fortune 500 Rich List.

As one of the "Top 20" in China’s beverage industry, Nongfu Spring owns the well-known trademark "Nongfu Spring" in China. Since 1997, the company has established twelve international leading natural drinking water and fruit juice beverage production bases in several national first-level water resource reserves.

In 2023, Nongfu Spring’s share of China’s packaged drinking water market reached 23.6%, ranking first in the industry, far exceeding competitors such as Yibao, Jingtian, Wahaha, and Master Kong. The company’s fundamentals are strong, with revenue reaching 42.667 billion yuan in 2023, an increase of 28.36% year-on-year, and net profit margin of 28.15%, far exceeding the industry average.

The financial performance of Nongfu Spring is equally outstanding. From 2017 to 2023, the compounded growth rate of revenue is nearly 16%, and the compounded growth rate of net profit is 27%. The company’s return on net assets (ROE) reached 45.88% in 2023, indicating a high return on shareholder investment.

The company’s product line covers drinking water, tea beverages, functional beverages, fruit juices and coffee, and the beverage business will account for 49.5% of the total revenue in 2023, surpassing the drinking water business for the first time. In addition, Nongfu Spring covers more than 2.37 million end point retail outlets across the country through 4,280 dealers, building a strong channel barrier.

Since its listing in 2020, Nongfu Spring has achieved a net profit of 33 billion yuan, a cash dividend of 23.10 billion yuan, and a dividend ratio of up to 70%. The company’s current total market value exceeds 440 billion yuan and is in a reasonable valuation range.

Despite facing some brand trust crises, such as past packaging infringement and public opinion turmoil, Nongfu Spring has maintained its market leadership and strong financial performance.

See how artificial intelligence finds the brightest star in the night sky.

  Looking for dark matter, machines are better than human eyes. A recent paper published in Computational Astrophysics and Cosmology shows that the deep learning AI framework jointly developed by Lawrence Berkeley National Laboratory (hereinafter referred to as Berkeley Laboratory) can explore the signs of dark matter in the universe.

  In recent years, artificial intelligence has been increasingly applied to astronomical research. Deep learning requires massive amounts of data, and astronomy is the field where AI shows its talents. Machines can find a needle for human beings from the vast ocean and capture new stars, new extraterrestrial planets and even dark matter.

  Recognizing the "gravitational lens", AI has made contributions.

  Finding "gravitational lens" is the basic method to study the distribution of dark matter. An object with a huge mass will distort the passing light like a lens, and if we find out this distortion, we can capture the non-luminous mass.

  The paper shows that CosmoGAN, a deep learning AI framework established by Berkeley Lab, can analyze the relationship between gravitational lens and dark matter. It can create high fidelity and weak gravitational lens convergence diagram.

  Once upon a time, it was troublesome to find the simulation and data processing needed for the "gravitational lens". Twenty scientists spent months looking at only a small space image. Physical simulation takes billions of computing hours and takes up megabytes of disk space.

  The progress of neural network provides opportunities. The team led by Berkeley Lab introduced a "generative confrontation network (GANs)". Researcher Mustafa said: "There are other deep learning methods that can get convergence graphs from many images, but compared with competitive methods, GANs generates very high-resolution images while still having the high efficiency of neural networks."

  Now, astronomers can use CosmoGAN to analyze a much larger sky area, and the speed is faster.

  CosmoGAN is not the only astronomical deep learning neural network that has made progress. For example, the University of Toronto used deep learning technology to analyze satellite images of lunar craters, and the neural network of P8 supercomputer discovered 6,000 new craters in just a few hours, twice the number of craters discovered by humans in the past decades. The University of Illinois at Urbana-Champaign uses deep learning to detect and analyze gravitational waves of black hole collisions. AI blooms everywhere in astronomy.

  There is too much data to play without a machine.

  In the past few years, most directions in the field of astronomy have tried to use artificial intelligence. Considering the amount of data that astronomy has to deal with, this is a natural idea. Let the machine practice to analyze clues, otherwise, astronomy in the future will not work.

  The 2019 GPU Technology Conference held not long ago attracted artificial intelligence scholars all over the world. Brent Robertson, an astronomer from the University of California, Santa Cruz, was invited to give a speech at the conference. He pointed out: "Astronomy is at the cusp of a new data revolution". Robertson believes that the new generation of astronomical instruments must cooperate with the new generation of software driven by deep learning.

  For example, the large-caliber all-day patrol telescope (LSST) is expected to run in three years. It toured 37 billion galaxies in the southern half of the universe, generating a ten-year uninterrupted video. LSST is equipped with a 3.2 billion pixel camera, which generates 25TB of data every night, which is equivalent to all the data contributed by the advanced astronomical telescope in a lifetime.

  Another example is the Square Kilometer Array Radio Telescope (SKA). It is spread all over the world, some antennas are deployed in eight countries in southern Africa, and more than one million antennas are located in Australia and New Zealand. Its raw data reaches 5000 PB every day, and there are about 50 PB after processing.

  "Dark Energy Survey" compiles star maps of hundreds of millions of galaxies; "Gaia" satellite surveying and mapping stars with galactic coefficient of one billion; The "Zwicky" project can scan 3,750 square degrees of sky every hour. In China, the daily data volume of FAST will reach 150TB;; Guo Shoujing telescope has observed 9.01 million spectra, which is the largest celestial spectrum library in the world … …

  Capture patterns that humans can’t see.

  There are more and more data, and scientists try to aggregate them. However, at the GPU conference, Robertson said that in the future, several large astronomical telescopes will produce a large amount of data together, which is too complicated for human beings to directly use after aggregation. Scientists at the University of California, Santa Cruz, tried to solve this problem. Morpheus deep learning framework created by a doctoral student in computer science department can classify celestial bodies pixel by pixel based on the original data of telescope.

  Scientists at the University of California, Santa Cruz, also use AI to better study the formation of galaxies. In a study published in early 2019, scientists trained computers with computer-simulated galaxies to learn three key stages of galaxy evolution. Later, computer analysis of galaxy images from the Hubble Space Telescope performed surprisingly well.

  Artificial intelligence is applied to face recognition. After training with massive data, you can recognize this person’s makeup and old age according to a photo. And many images in the universe can be classified in the same way.

  "Deep learning can look for patterns, and machines can see very complicated patterns that humans can’t see." David Ku, a scientist involved in the research, said, "We hope to further test this method. In the proof-of-concept study, the machine seems to have successfully found the different stages of galaxy evolution determined in the simulation in the data. "

  Help astronomers find another solar system

  A report at the end of 2018 showed that Google artificial intelligence made efforts to find new planets from Kepler’s exoplanet observation database. Planets are hard to find. Kepler satellite in space observes 145,000 sun-like stars, and finds planets from the faint changes of star brightness. The data recorded for four years includes about 35,000 suspected planetary records. Astronomers use machines combined with human eyes to identify, but the darkest and weakest signals are often ignored.

  With the help of Google AI, we discovered two new planets, Kepler 90i and Kepler 80g. Kepler 90 was also recognized as the first exogalaxy with at least eight planets.

  Neural network and machine learning processed 14 billion data points, and then successfully screened out candidates.

  NASA and Google say that new technologies will find more exoplanets in the future. NASA also said that there is no need to worry about astronomers losing their jobs. Jesse Dotson, a scientist at NASA, explained that astronomers need to classify data before they are provided to neural networks, so that artificial intelligence can learn and analyze new information from them.

  Dotson said: "AI will definitely work with astronomers in the future and become an indispensable tool."

  Of course, machine learning also brings the risk of "black box": we get the answer, but we don’t know why the machine makes such a judgment, and maybe the answer is wrong. Machines make mistakes. Astronomers will continue to train and adapt to it.

  Extended reading

  Expert comments

  Deep learning does not have "physical intuition"

  Indeed, artificial intelligence has now penetrated into all branches of astronomy and astrophysics. At present, Lawrence Berkeley National Laboratory in the United States can quickly judge the basic cosmological constants such as dark matter and dark energy according to the three-dimensional density distribution of the universe by using deep learning. They found that after applying artificial intelligence, the statistical error is much smaller than that of the traditional statistical methods. In addition, we also use deep learning to search for hydrogen and carbon elements in the early universe in the spectrum with extremely low signal-to-noise ratio, and find that it is better than the traditional method.

  At the same time, astronomers are also applying deep learning to help us judge the three-dimensional position and distance of celestial bodies, and then outline the large-scale structure of three-dimensional space. It is found that deep learning may be stronger than the traditional methods we used before in mining data and information. Artificial intelligence has also been applied to the field of detecting exoplanets by Google, and several exoplanets … … It can be said that artificial intelligence is now widely used in the frontier field of astrophysics.

  But from the physicist’s point of view, artificial intelligence based on deep learning may also have its limitations. This limitation is that it can only play a role in a specific field that has been very clearly defined based on data. Only under the guidance of physicists, we can make the error bar of statistics smaller and estimate a certain quantity more accurately, but at present we can’t guide us to discover the new physical laws behind the data. Nor does it have a "physical intuition" based on beauty, symmetry and simplicity that is unique to humans.

  To give a simple example, for example, Kepler’s observation data based on Tycho can find Kepler’s third law, and even the best machine learning and artificial intelligence algorithms at present may be difficult to repeat this discovery based on the same data.

  Therefore, I think that the essence of the application of deep learning in astronomy is still limited to doing better statistics and fitting.

  (Professor Cai Wei, Department of Astronomy, Tsinghua University)

A Writer’s Odyssey box office 750 million Dong Zijian was praised for his two-role acting.


1905 movie network news The fantasy action adventure film directed by a series of directors and supervised by the producer is being shown in the country, with a cumulative box office of 756 million. With the fermentation of the film’s good reputation and the heated discussion on the hidden details, it has become a craze for the audience to brush the film twice, three times or even n times.


Many viewers chose IMAX version in the second brush, which better felt the visual feast of blood and light in the different world and the auditory impact called "intracranial massage". Under the blessing of the big screen and the immersive sound system, the audience shared, "IMAX 3D version is completely the feeling of exploding the audience. The modeling and scenes are spectacular, and the sound effects are superb. It is simply a great value to enjoy such an audio-visual feast."


9 brush audience certification, IMAX version of excellent audio-visual

Netizen: Various sound effects are simply the gospel of sound control.


The excellent audio-visual effect praised as "domestic ceiling" in the film attracts the audience to enter the cinema again and again, and the sound effects with great sense of design and penetration have also become the focus of audience discussion. The sound effect of wiping the knife with empty words by teenagers and wielding the knife when Black Armor fights the mob are all called "voice-controlled gospel" by netizens, and they said excitedly, "No one can refuse such a sound, and I am willing to watch the movie ten times for this sound effect."


Not only that, but the drums when Kongwen entered the Red-haired Ghost Palace were also impressive. "I can feel that people around me dare not breathe, and I was completely brought into the movie by that voice." And a netizen who has brushed 5 in various cinemas will get a better audio-visual experience in IMAX cinemas. "It will be more obvious for Lu Kongwen to hear the looming" Song of Little Oranges "in the field. A 9-brush audience also excitedly said that" IMAX effect is really different! Be sure to see IMAX! " .


"Two faces" is full of surprises

Audience comment: Please ask Dong Zijian to film every day for 365 days.


In the film, Dong Zijian plays the novelist Lu Kongwen and the juvenile Kongwen. Faced with the role challenge of one article and one martial art, Dong Zijian also handed over the answer sheet that satisfied the audience. "The subtle similarities and differences in the characteristics of the two roles are vividly displayed, and the acting skills are so good that Dong Zijian is invited to film every day for 365 days." There is also the audience’s subtle observation, and they feel the acting skills from their eyes. "Dong Zijian’s pure, angry and resentful eyes make the role full, and hit the floor".


In addition, the novelist’s strong sense of belief also deeply touched the audience. "Dong Zijian brought the seemingly decadent novelist who is actually strong in heart to life", "Seeing him stubbornly say,’ No matter what others say, I believe I can do it’, I feel my eyes are wet".


Ministry of Science and Technology: The past decade has witnessed the fastest improvement of China’s scientific and technological strength.

"The decade since the 18th National Congress of the Communist Party of China has witnessed the greatest scientific and technological progress and the fastest improvement in scientific and technological strength. China’s scientific and technological undertakings have undergone historic, holistic and structural changes, successfully entered the ranks of innovative countries and fully integrated into the global innovation network, showing the overall layout and development trend with the characteristics of the new era."

On May 12th, Tommy, Vice Minister of Science and Technology, made the above summary on the development of science and technology at the press conference on the theme of "China this decade" held by the Propaganda Department of the CPC Central Committee.

In the past ten years, from innovation as the first driving force for development, to fully implementing the innovation-driven development strategy, to insisting on putting scientific and technological innovation at the core of the overall national development, and to taking scientific and technological self-reliance as the strategic support for national development, the road of independent innovation with China characteristics has become wider and wider.

The strength of science and technology has risen rapidly.

Statistics show that the total R&D expenditure in China is 2.7 times that in 2012, and the basic research expenditure is 3.4 times that in 2012. China’s global innovation index has risen by 22 places in ten years, making it the only country in the world that keeps rising rapidly.

All-round development, outstanding characteristics and quality improvement … In the past decade, science and technology have become the first driving force to support and lead China’s high-quality economic development and improve people’s livelihood.

Tommy summed up the important characteristics of China’s scientific and technological development in the past ten years-

The level of scientific research and the overall strength of the discipline have greatly increased. Several disciplines have reached the international leading level, and the research and development capabilities of scientific research institutions, universities and leading scientific and technological enterprises have obviously increased in the global position. There were less than 50,000 high-tech enterprises ten years ago, but now there are 330,000. Beijing, Shanghai and Guangdong-Hong Kong-Macao Greater Bay Area, three major international science and technology innovation centers, have all entered the top 10 in the ranking of global science and technology innovation clusters.

Produce a number of world-class scientific and technological achievements in the fields of basic research and strategic high technology. The exploration of Mars by Tian Wen, the landing of Chang ‘e on the moon, the successful docking of the core modules of Shenzhou XIII and Tianhe have made a great leap in China’s deep space exploration. The successful development of "Deep Sea Warrior", "Struggler" and "Haidou No.1" indicates that China has the ability to detect the depth of 10,000 meters in the whole sea. In the field of quantum science and technology, China has become the only country in the world that has reached the milestone of "the superiority of quantum computing" in two physical systems.

Independent research and development of a large number of advanced technical equipment and systems into practical use has become a "sharp weapon" to promote rapid industrial upgrading. Supercomputing, high-speed railway, smart grid, fourth-generation nuclear power and UHV transmission technology have all entered the world’s advanced ranks. In particular, the deep expansion of 5G R&D and application scenarios, and the initial establishment of China’s characteristic ecology for the development of artificial intelligence are accelerating the empowerment of all industries. With the support of large computing power and supercomputing, the digital economy is booming, and a number of smart cities, smart factories, intelligent medical care and intelligent transportation are taking shape.

At the same time, the number of original new drugs developed has increased significantly compared with ten years ago, and a variety of COVID-19 vaccines, detection reagents and therapeutic drugs have strongly supported the prevention and control of the COVID-19 epidemic; In the front line of poverty alleviation and rural revitalization, a large number of science and technology commissioners played an important role; The application of more than 200 achievements of "Science and Technology Winter Olympics" has strongly supported the high-quality hosting of the Beijing Winter Olympics …

"Of course, we are also clearly aware that compared with the world’s leading countries, China’s scientific and technological innovation still has a long way to go." Tommy said that facing the future, China’s scientific and technological circles will face up to problems, face up to difficulties and make unremitting efforts to build a world science and technology power.

System reform was accelerated.

Since the 18th National Congress of the Communist Party of China, the CPC Central Committee has placed innovation at the core of the overall development of the country, unswervingly followed the road of independent innovation with China characteristics, and made full efforts to reform the scientific and technological system.

"The reform of the science and technology system has always been regarded as the focus of comprehensively deepening reform." Tommy said that in the decade since the 18th National Congress of the Communist Party of China, the Central Committee for Comprehensively Deepening Reform has considered more than 20 major reform programs in the field of science and technology. So far, the 143 tasks deployed in the implementation plan for deepening the reform of the science and technology system proposed by the central government have been fully completed, and the institutional and basic framework for supporting comprehensive innovation has been basically established. Substantial progress has been made in the reform of key areas and key links, and breakthroughs have been made in some key difficulties and blocking points that have not been solved for a long time. China has set up the National Science and Technology Advisory Committee for the first time, established the National Science and Technology Ethics Committee, reconstructed the science and technology planning system, solved the problem of closed and scattered allocation of science and technology resources, and the science and technology governance mechanism is more suitable for the needs of science and technology development. The national laboratory has been built, the reorganization of the national key laboratory system has been initiated, the autonomy of universities and research institutes has been expanded, the main position of enterprise innovation has been basically established, the national strategic scientific and technological strength has been further strengthened, and a strong synergy has been formed to promote scientific and technological innovation.

In the aspect of scientific research funds, the distribution policy oriented by knowledge value is implemented, the management system of scientific and technological projects and funds based on trust is established, the evaluation orientation centered on quality, performance and contribution is established, and the incentive for scientific researchers is greatly enhanced. Through the reform of "three evaluations", the reform of project evaluation, talent evaluation and institutional evaluation has been carried out in an orderly manner, and many localities and units have explored the realization path of classified evaluation.

Following the law of scientific exploration and technological innovation, we have implemented the system of "revealing the list and taking the lead" and "horse racing" for major tasks, implemented the chief scientist responsibility system for frontier exploration projects, and set up subversive technical projects to support scientists’ bold exploration. In the "14th Five-Year Plan" national key R&D plan, young scientists are generally set up, so that more young scientists can take the lead and take the lead, which has been widely welcomed. In addition, it also gives scientists greater decision-making power on technical routes and the right to use funds, freeing researchers from the cumbersome and unnecessary institutional constraints.

In order to solve the long-standing problem of the transformation of scientific and technological achievements, an important orientation of scientific and technological system reform in recent years is to speed up the establishment of the transfer and transformation system of scientific and technological achievements and open up channels among science and technology, industry and finance. To this end, the reward for the transformation income of scientific and technological personnel has been greatly increased, the right to use, dispose of and benefit from scientific and technological achievements has been fully decentralized, and a pilot project has been carried out to give scientific and technological personnel ownership and long-term use rights.

Established a relatively complete inclusive policy and institutional arrangement to encourage enterprise innovation. The deduction ratio of R&D expenses of enterprises has increased from 50% in 2012 and 75% in 2018 to 100% in the fields of technology-based SMEs and manufacturing, which reflects the orientation of supporting technology-based SMEs. At present, more than 3/4 of China’s total social R&D investment is invested by enterprises, and 79% of the national key R&D plans are led or participated by enterprises.

The technology trading market continues to grow, and the activity of the technology trading market reflects the activity of the transfer and transformation of achievements. Last year, the national technology contract transaction volume reached 3.7 trillion, far exceeding the R&D investment of the whole society in that year and 5.8 times that of 2012.

In the capital market, the establishment of science and technology innovation board, the reform of the Growth Enterprise Market, the establishment of the North Stock Exchange, and the smooth channels for direct listing and financing of hard technology enterprises are forming a virtuous circle of mutual shaping of science and technology, industry and finance. In the past, weak ties, where science, technology and economy were amplified by the participation of financial and capital markets, has become a strong coupling now.

"To achieve high-level scientific and technological self-reliance and self-improvement, China depends on high-level innovative talents in the final analysis." Tommy said that in the next step, the Ministry of Science and Technology will, in accordance with the deployment of the CPC Central Committee, take the implementation of the three-year plan for tackling key problems in scientific and technological reform as the main line, pay close attention to implementation, stimulate the innovative vitality of all kinds of talents, and make more researchers with real talents and practical knowledge available.

Gamma data: A number of mobile games grew in January, with the highest growth rate reaching 1 billion yuan.

  Recently, Gamma Data released the Monthly Report of China Game Industry in January 2024 (hereinafter referred to as the report). The report shows that in January 2024, the actual sales revenue of China mobile game market was 17.687 billion yuan, down 4.17% from the previous month and up 0.39% year-on-year. Wang Xu, chief analyst of China game industry, said that there are two main reasons for the year-on-year growth this month. First, some old products that have been online for several years have achieved revenue growth. Second, some new tours launched this month have brought increments.

  In January, 2024, the number of mobile game products increased, with some products increasing by over 1 billion yuan, and the share of self-propelled chess in TOP50 increased by 217% year-on-year. Wang Xu said that competitive products are an important source of market revenue growth this month, and such products are more likely to grow during long holidays, such as the cold and summer holidays, the Spring Festival holidays and the time periods before and after.

  In January, the share of self-propelled chess games in TOP50 mobile games increased by 5.8%, up by 217% year-on-year. The growth was mainly driven by some products. At the same time, some self-propelled chess products entered the gamma data flow calculation list TOP2 this month, which is also the highest ranking of this product so far. Its growth is mainly due to the fact that this kind of products update their seasonal activities in January and update the collection and shopping mall simultaneously. In addition, Wang Xu emphasized that the share of interactive drama has also increased this month. This type has sprung up in recent years, and the sales volume on steam has also continued to grow. In the future, more similar products will be put into the market. The deeper reason is the change of user demand.

  In the new tour, the report analyzed the advertising of some new tour products, and the advertising of such products was mainly concentrated on the day of launch, and remained at the TOP15 of the best-selling list of iOS games within the statistical date. Some products have also obtained a high ranking in terms of overseas downloads.

How does technology reshape the new format of financial services? KPMG China summarized these nine trends.

At present, the rapid penetration of a new generation of information technology in various industries is the general trend, and the financial industry is the most important. Financial services have gradually evolved in the innovation and development of financial technology, which has opened a new situation of digital transformation and gradually become a new engine to promote the transformation and upgrading of the whole industry and the whole industrial chain.
The newly released KPMG China Double 50 list of financial technology enterprises in 2023 and the annual trend report integrate the industry empowerment resources, sort out the strategic advantages of special fields, and emphasize the development trend of inclusive finance from "integration of numbers and reality" to "symbiosis of numbers and reality", which provides multi-faceted reference and support for the prosperity of China’s financial technology industry and promotes the construction of China’s financial technology ecosystem.
Huang Aizhou, managing partner of KPMG China Financial Technology, said that in the process of digital transformation of the financial industry, there are unique advantages compared with other industries in the three pillars: algorithm, computing power and data, which are needed for the vertical model of the industry to land. Among them, the data determines the intelligent scope of the big model, and the financial industry has mastered a large number of historical data and written materials, which provides natural convenience for the development of the big model of the industry; Financial technology enterprises have also formed their own unique solutions in the process of financial digitalization and intelligence in terms of algorithms and computing power. It is expected that as the bottom big model changes from increment to stock stage, fighting for quality and landing will become the focus of competition, and the competitive advantage of enterprises on the reasoning side of the force model will be further revealed.
The report analyzes and summarizes the listed enterprises in five dimensions: professional field, city and region, main technical elements, proportion of technical personnel and establishment time.
In addition, the report also introduces in detail the development trend and future development layout of financial technology in 2023.
Trend 1: The development of financial macro-model will have a far-reaching impact on the paradigm of financial technology industry (annual trend). In the era of mobile Internet, China’s financial technology has made numerous innovations in mobile payment, digital credit and other fields, leading the world. Domestic manufacturers are actively developing the layout of large financial models, and relevant enterprises need to build competitive advantages by "having data" and "understanding scenarios". The wide application of the future financial big model will have a subversive impact on the current industry paradigm in the following aspects: the change of AI cognition and concept, reshaping customer service process and experience, improving risk management, improving financial service efficiency and innovating financial business forms.
Trend 2: Science and technology investment pays more attention to output energy efficiency, and peer-to-peer science and technology output changes to ecological empowerment mode (integrated financial technology). Comprehensive financial technology enterprises actively embrace the new round of scientific and technological development opportunities brought by the big model by virtue of their scientific and technological advantages and innate financial industry genes. On the one hand, we continue to increase investment in science and technology, but pay more attention to business orientation and precise focus in objectives and methods; On the other hand, it continues to export scientific and technological capabilities to its peers, and the service direction has changed from traditional technical empowerment to all-round ecological empowerment.
Trend 3: AI helps to innovate wealth management, and the core system of the organization is autonomous and accelerated (wealth technology). Since the end of 2022, the explosive development of AIGC has brought great imagination to the financial industry. Wealth technology companies apply their accumulated data and experience in the field of AI application to the training of financial big models, providing support for wealth management business scenarios such as investment, research and marketing. It is expected that with the maturity of AIGC technology, wealth management institutions will explore more application scenarios of the big model to improve efficiency and service upgrade; At the same time, AIGC still needs to be cautious in providing investment advice to customers directly, due to unclear relevant supervision and data security and data privacy issues. On the other hand, wealth technology enterprises actively provide the latest technical solutions for large and medium-sized wealth management institutions, and gradually improve the efficiency, stability and autonomy of the core system through the modularization and decentralization of distributed technology.
Trend 4: Insurance technology has evolved into risk reduction management, and the service boundary (insurance technology) has been continuously expanded in combination with industrial upgrading. At present, the principle of risk management in insurance industry has gradually evolved from equal risk management to risk reduction management. On the one hand, relying on the wide application of new technologies, insurance technology companies will transform the original uninsurable risks into insurable risks, and relax the original restrictive underwriting conditions to comprehensive underwriting, which will create a broader insurance market space. On the other hand, technology no longer depends on insurance, but penetrates into the development process of all walks of life, and in the process of development, new risk management demands are derived, and the service boundary of insurance technology is continuously expanded by combining with industrial upgrading.
Trend 5: Digital symbiosis and digital platform services accelerate the development of inclusive finance (Pratt & Whitney Technology). The symbiosis of number and reality will accelerate the development of inclusive finance, thus achieving the high-quality development goals of inclusive finance, such as more popular basic financial services and more convenient financing for business entities. In addition, through the digital service platform, small and medium-sized enterprises can widely access digital resources, build digital intelligent business processes, meet the ever-changing market demand, and accelerate the digital intelligent transformation of small and medium-sized enterprises.
Trend 6: Multi-parties join hands to expand the new blue ocean of supply chain finance, and scene product innovation is emerging (supply chain technology). With the vigorous development of digital economy, the digital penetration rate of supply chain finance has gradually increased. The supply chain science and technology platform has accelerated its efforts in the scene business. It is expected that there will be more scene-based innovative products based on data credit in the future, and the traditional confirmation mode will begin to weaken. In addition, many large enterprise groups have responded to the policy call and accelerated the pace of building a supply chain platform; Financial institutions also pay more attention to cooperation with core enterprises and high-quality supply chain technology third-party platforms.
Trend 7: Mobile payment innovation scenario application, cross-border payment opens up a new chapter in the sea (payment technology). From the C side, the third-party payment platform expands its business by exploring new scenes and product innovation; From the B side, the mobile payment platform is empowered based on the payment function and provides integrated services. In addition, the cross-border payment platform not only provides payment services for customers, but also provides services such as foreign exchange and foreign exchange risk management for enterprises, as well as services such as platform opening, global acquiring, overseas marketing and supply chain financing, so as to provide customers with comprehensive services to enhance customer stickiness.
Trend 8: Regulatory technology is expected to improve regulatory efficiency with the help of large models (regulatory technology). The rapid development of emerging technologies such as AIGC provides imagination for the development of financial supervision technology, and the development of supervision technology will increasingly rely on scientific and technological means to achieve more efficient and accurate supervision. At the same time, the development of regulatory technology will also promote financial technology innovation and empower the financial industry to deepen digital transformation.
Trend 9: A new round of development opportunities will be opened, and a big article on digital finance (platform technology empowerment) will be done with the tide. At the present stage, the trends of innovation and going out to sea are highly certain, and actions such as "data elements ×" and "high-quality development of computing infrastructure" have been steadily promoted, which coincides with the opportunity of technological change brought by the big financial model and generative AI, and is expected to drive the sustained release of China’s financial technology value, further affect the global market and help the high-quality development of digital finance.
Author: Tang Weijie
Text: Tang Weijie Photo: Information Photo Editor: Shang Hui Editor: Rong Bing
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Tianjin: Deploy the target in stages and promote the construction of financial innovation operation demonstration zone.

  According to 21st century business herald, the reporter noted that the Tianjin Municipal People’s Government issued the "Proposal on Further Promoting the Construction of Financial Innovation Operation Demonstration Zone" on January 8. The plan points out the overall goal of the future in three time periods: in the next three years, it will continue to maintain the leading position in the financial leasing and commercial factoring industries in China, and at the same time create a number of financial agglomeration symbol areas with themes and characteristics. In the next five years, the added value of the financial industry will account for about 15% of the regional GDP, and the overall asset scale of leasing will reach 2.7 trillion yuan. The scale of leasing and disposal of aircraft, international shipping vessels and offshore platforms will remain above 80% in the whole country, and the total assets and factoring financing balance of the commercial factoring industry will remain the first in the country. In 2035, a world-class national leasing innovation demonstration zone and a national commercial factoring capital will be built in an all-round way, which will provide a practical sample for China’s characteristic financial development.

Merry Christmas greetings short 2021 latest Tik Tok hottest Christmas greetings sentence phrases.

"This article is from Minnan. com"
Christmas is here ~ Merry Christmas, friends ~ What are you going to do today? I believe that no matter how you spend it, it will be a unique and happy day!
Sogou screenshot December 23, 2011730 _ 8
First, no matter how gorgeous other people’s Christmas wishes are, they can’t compare with your simple Merry Christmas.
Second, there is no Santa Claus in the world. All the gifts and surprises come from people who love you.
Third, in my opinion, you are the twinkling star on the Christmas tree.
Fourth, I hope the Christmas tree, gifts and surprises will come with you.
Five, it would be great if Santa Claus could send you here.
Six, waiting for snowflakes, Christmas trees, New Year fireworks, and a better you.
The best Christmas present I received was you who came for me through the storm.
Eight, turn the socks upside down, inside out, hang them up, and the whole world is your gift.
Nine, I didn’t wait for snow this Christmas, but I waited for you.
Ten, you are so cute, will you be my Christmas present?
Eleven, I want to receive a Christmas greeting from you, which may be my greatest wish.
Twelve, if I ask Santa for you, will he give it to me?
Thirteen, I told Santa Claus that the gift is you and the child is me.
Fourteen, no matter how many Christmas gift lists there are, one of you is enough.
Fifteen, if Santa Claus didn’t prepare a gift for you, I decided to pack me for you.
Sixteen, every snowflake at Christmas is my miss for you.
Seventeen, can you turn on the front camera? See? That’s what I want for Christmas.
I hope Santa Claus will put you into my socks that I haven’t washed for a week.
Nineteen, hang the stars on the Christmas tree and hang you on my heart.
Twenty, someone is called Christmas, and single dog like me is called commemorating Jesus at most.
Is the man who said he would spend Christmas with you every year still there?
Xiaobian here wishes everyone a merry Christmas, and happiness is more than Christmas.
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