????catalogue
????Chapter I General Provisions
????Chapter II Insurance Contracts
????????Section 1 General Provisions

????????Section 2 Personal Insurance Contract

????????Section 3 Property Insurance Contract

????Chapter III Insurance Companies
????Chapter IV Insurance Operating Rules
????Chapter V Insurance Agents and Insurance Brokers

????Chapter VI Supervision and Administration of Insurance Industry
????Chapter VII Legal Liability
????Chapter VIII Supplementary Provisions
????Chapter I General Provisions
????Article 1 This Law is formulated for the purpose of regulating insurance activities, protecting the legitimate rights and interests of the parties involved in insurance activities, strengthening the supervision and management of the insurance industry, maintaining social and economic order and social public interests, and promoting the healthy development of the insurance industry.

????Article 2 The term "insurance" as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for compensation for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.

????Article 3 This Law shall apply to insurance activities within the territory of People’s Republic of China (PRC).
????Article 4 Insurance activities must abide by laws and administrative regulations, respect social morality, and may not harm public interests.

????Article 5 The parties to insurance activities shall follow the principle of good faith in exercising their rights and performing their obligations.

????Article 6 Insurance business is operated by insurance companies established in accordance with this Law and other insurance organizations stipulated by laws and administrative regulations. No other unit or individual may engage in insurance business.

????Article 7 Where legal persons and other organizations in People’s Republic of China (PRC) need to apply for domestic insurance, they shall apply for insurance with insurance companies in People’s Republic of China (PRC).

????Article 8 The insurance industry, the banking industry, the securities industry and the trust industry shall operate and manage separately, and insurance companies shall be established separately from banks, securities and trust institutions. Unless otherwise stipulated by the state.

????Article 9 the State Council insurance supervision and administration institutions shall supervise and administer the insurance industry according to law.

????The State Council insurance supervision and management institutions shall set up dispatched offices according to the needs of performing their duties. The dispatched offices shall perform their duties of supervision and administration in accordance with the authorization of the the State Council Insurance Regulatory Authority.

????Chapter II Insurance Contracts

????Section 1 General Provisions
????Article 10 An insurance contract is an agreement between the applicant and the insurer to stipulate the insurance rights and obligations.

????The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract.
????An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits in accordance with the contract.

????Article 11 When concluding an insurance contract, consensus should be reached through consultation, and the rights and obligations of all parties should be determined according to the principle of fairness.

????Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily.
????Article 12 The applicant of life insurance shall have an insurable interest in the insured when concluding an insurance contract.

????The insured of property insurance shall have an insurable interest in the subject matter insured when an insured accident occurs.
????Personal insurance is an insurance that takes the life and body of a person as the subject matter of insurance.
????Property insurance is insurance with property and its related interests as the subject matter.
????The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured.

????Insurable interest refers to the legally recognized interest of the applicant or the insured in the subject matter of insurance.
????Article 13 An insurance contract is formed when the applicant requests insurance and the insurer agrees to underwrite it. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time.

????An insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to specify the contents of the contract in other written forms.

????An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract.

????Article 14 After an insurance contract is concluded, the applicant pays the insurance premium as agreed, and the insurer begins to assume the insurance liability at the agreed time.

????Article 15 Unless otherwise stipulated in this Law or in the insurance contract, after the insurance contract is established, the applicant may terminate the contract, and the insurer may not terminate the contract.

????Article 16 When an insurance contract is concluded, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform it.

????If the applicant fails to fulfill the obligation of truthful disclosure stipulated in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer’s decision on whether to agree to underwrite or increase the insurance premium rate, the insurer has the right to terminate the contract.

????The right to terminate the contract stipulated in the preceding paragraph shall be extinguished if it is not exercised for more than 30 days from the date when the insurer becomes aware of the reasons for termination. If more than two years have passed since the establishment of the contract, the insurer shall not terminate the contract; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits.

????If the applicant intentionally fails to perform the obligation of telling the truth, the insurer shall not be liable for compensation or payment of insurance premium for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium.

????If the insured fails to fulfill the obligation of telling the truth due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance benefits for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium.

????The insurer may not terminate the contract if it has been known at the time of conclusion of the contract that the applicant has not truthfully informed it; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits.

????An insured accident refers to an accident within the scope of insurance liability stipulated in the insurance contract.
????Article 17 Where an insurance contract is concluded with standard clauses provided by the insurer, the application form provided by the insurer to the applicant shall be accompanied by standard clauses, and the insurer shall explain the contents of the contract to the applicant.

????With regard to the clauses in the insurance contract exempting the insurer from liability, the insurer shall, when concluding the contract, make a prompt on the application form, insurance policy or other insurance documents that can attract the attention of the insured, and make a clear explanation to the insured in written or oral form; If it is not prompted or clearly stated, this clause will not be effective.

????Article 18 An insurance contract shall include the following items:
????(1) The name and domicile of the insurer;
????(2) The names and domiciles of the applicant and the insured, and the names and domiciles of the beneficiaries of life insurance;

????(3) the subject matter insured;
????(4) Insurance liability and exemption from liability;
????(5) The insurance period and the start time of insurance liability;
????(6) the insured amount;
????(seven) insurance premiums and payment methods;
????(8) Measures for compensation or payment of insurance money;
????(9) Liability for breach of contract and dispute settlement;
????(10) The year, month and day when the contract was concluded.
????The applicant and the insurer may agree on other matters related to insurance.
????Beneficiary refers to the person who has the right to claim for insurance money designated by the insured or the applicant in the life insurance contract. The applicant and the insured may be the beneficiaries.

????The insured amount refers to the maximum amount of the insurer’s liability for compensation or payment of insurance benefits.
????Article 19 The following clauses in an insurance contract concluded with standard clauses provided by the insurer are invalid:

????(1) Exempting the insurer from its obligations according to law or increasing the liability of the applicant and the insured;
????(2) excluding the rights enjoyed by the applicant, the insured or the beneficiary according to law.
????Article 20 The applicant and the insurer may change the contents of the contract through consultation.
????Where an insurance contract is changed, the insurer shall annotate or attach an endorsement to the insurance policy or other insurance documents, or the applicant and the insurer shall conclude a written agreement on the change.

????Article 21 The applicant, the insured or the beneficiary shall notify the insurer in time after knowing the occurrence of the insured accident. If the nature, cause and loss degree of the insured accident are difficult to determine due to intentional or gross negligence, the insurer shall not be liable for compensation or payment of insurance benefits for the uncertain part, except that the insurer has known or should have known the occurrence of the insured accident in time through other means.

????Article 22 After the occurrence of an insured accident, when requesting the insurer to compensate or pay the insurance money according to the insurance contract, the applicant, the insured or the beneficiary shall provide the insurer with the certificates and materials that they can provide to confirm the nature, cause and loss degree of the insured accident.

????In accordance with the contract, if the insurer thinks that the relevant certificates and materials are incomplete, it shall promptly notify the applicant, the insured or the beneficiary to supplement them.

????Article 23 An insurer shall, after receiving a request for compensation or payment of insurance benefits from the insured or beneficiary, make a timely verification; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification result; For those who are insured, they shall perform the obligation of compensation or payment of insurance benefits within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the time limit for compensation or payment of insurance benefits, the insurer shall perform the obligation of compensation or payment of insurance benefits in accordance with the agreement.

????If the insurer fails to fulfill the obligations stipulated in the preceding paragraph in time, it shall compensate the insured or beneficiary for the losses incurred therefrom in addition to paying the insurance money.

????No unit or individual may illegally interfere with the insurer’s obligation to pay compensation or insurance benefits, nor may it restrict the right of the insured or beneficiary to obtain insurance benefits.

????Article 24 After the insurer has made the verification in accordance with the provisions of Article 23 of this Law, it shall, within three days from the date of making the verification, issue a notice of refusal to pay compensation or insurance benefits to the insured or beneficiary, and explain the reasons.

????Article 25 If the insurer cannot determine the amount of compensation or payment of insurance benefits within 60 days from the date of receiving the request for compensation or payment of insurance benefits and relevant certificates and materials, it shall pay in advance the amount that can be determined according to the existing certificates and materials; After the insurer finally determines the amount of compensation or insurance payment, it shall pay the corresponding difference.

????Article 26 The limitation of action for the insured or beneficiary of insurance other than life insurance to claim compensation or pay insurance money from the insurer is two years, counting from the day when he knows or should know the occurrence of the insured accident.

????The limitation of action for the insured or beneficiary of life insurance to ask the insurer to pay the insurance money is five years, counting from the day when he knows or should know that the insurance accident happened.

????Article 27 If there is no insured accident, and the insured or beneficiary falsely claims that there is an insured accident, the insurer has the right to terminate the contract without returning the insurance premium.

????If the applicant or the insured intentionally creates an insured accident, the insurer has the right to terminate the contract and is not liable for compensation or payment of insurance benefits; Except as provided in Article 43 of this Law, the insurance premium will not be refunded.

????After the occurrence of an insured accident, if the applicant, the insured or the beneficiary fabricates a false cause of the accident or exaggerates the degree of loss with forged or altered relevant certificates, materials or other evidence, the insurer shall not be liable for compensation or payment of insurance benefits for the falsely reported part.

????If the applicant, the insured or the beneficiary commits one of the acts specified in the preceding three paragraphs, causing the insurer to pay the insurance premium or expenses, it shall return or compensate.

????Article 28 Reinsurance is when an insurer partially transfers its insurance business to other insurers in the form of reinsurance.

????At the request of the reinsurer, the reinsurer shall inform the reinsurer in writing of its own responsibility and the relevant information of the original insurance.

????Article 29 The reinsurer shall not ask the applicant of the original insurance to pay the insurance premium.

????The insured or beneficiary of the original insurance shall not make a claim for compensation or payment of insurance money to the reinsurance acceptor.
????The cedant of reinsurance shall not refuse to perform or delay the performance of its original insurance liability on the grounds that the reinsurer fails to perform the reinsurance liability.

????Article 30 In case of any dispute between the insurer and the applicant, the insured or the beneficiary over the terms of an insurance contract concluded with standard terms provided by the insurer, it shall be interpreted according to the usual understanding. If there are more than two interpretations of the terms of the contract, the people’s court or arbitration institution shall make an interpretation in favor of the insured and the beneficiary.

????Section 2 Personal Insurance Contract
????Article 31 An applicant has an insurable interest in the following persons:
????(1) I;
????(2) Spouses, children and parents;
????(3) Other family members and close relatives who have the relationship of support or maintenance with the applicant other than those mentioned in the preceding paragraph;
????(4) Laborers who have labor relations with the insured.
????Except as provided in the preceding paragraph, if the insured agrees that the applicant will conclude a contract for him, it shall be deemed that the applicant has an insurable interest in the insured.

????When concluding a contract, if the applicant has no insurable interest in the insured, the contract is invalid.
????Article 32 If the age of the insured declared by the applicant is not true, and its true age does not meet the age limit stipulated in the contract, the insurer may terminate the contract and return the cash value of the insurance policy according to the contract. The provisions of paragraphs 3 and 6 of Article 16 of this Law shall apply to the insurer’s exercise of the right to terminate the contract.

????If the age of the insured declared by the applicant is not true, resulting in the insurance premium paid by the applicant being less than the insurance premium payable, the insurer has the right to correct and require the applicant to pay the insurance premium, or pay the insurance premium according to the proportion of the actually paid insurance premium to the insurance premium payable.

????If the age of the insured declared by the applicant is untrue, resulting in the insured paying more insurance premiums than the insurance premiums payable, the insurer shall return the overcharged insurance premiums to the applicant.

????Article 33 An applicant shall not insure a person with no capacity for civil conduct with death as the condition for payment of insurance benefits, nor shall an insurer underwrite it.

The personal insurance that parents take out for their minor children shall not be restricted by the provisions of the preceding paragraph. However, the sum of the insurance benefits paid due to the death of the insured shall not exceed the limit set by the the State Council Insurance Regulatory Authority.

????Article 34 A contract in which death is the condition for payment of insurance benefits is invalid without the consent and approval of the insured.

An insurance policy issued under a contract with death as the condition for payment of insurance benefits may not be transferred or pledged without the written consent of the insured.
The personal insurance that parents take out for their minor children shall not be restricted by the provisions of the first paragraph of this article.
????Article 35 The applicant may pay the insurance premium to the insurer in one lump sum or in installments as agreed in the contract.

????Article 36 The contract stipulates that the insurance premium shall be paid in installments. After the applicant pays the initial premium, unless otherwise stipulated in the contract, if the applicant fails to pay the current premium for more than 30 days from the date of the insurer’s demand, or fails to pay the current premium for 60 days beyond the agreed time limit, the contract shall be terminated, or the insurer shall reduce the insurance amount according to the conditions stipulated in the contract.

????If the insured has an insured accident within the time limit specified in the preceding paragraph, the insurer shall pay the insurance premium in accordance with the contract, but may deduct the unpaid insurance premium.

????Article 37 If the validity of a contract is suspended in accordance with the provisions of Article 36 of this Law, the validity of the contract shall be restored after the insurer and the applicant reach an agreement through consultation and after the applicant pays the insurance premium. However, if both parties fail to reach an agreement within two years from the date of termination of the contract, the insurer has the right to terminate the contract.

If the insurer terminates the contract in accordance with the provisions of the preceding paragraph, it shall return the cash value of the insurance policy in accordance with the contract.
????Article 38 An insurer may not demand the applicant to pay the premium of life insurance by litigation.

????Article 39 The beneficiary of personal insurance shall be designated by the insured or the applicant.

????The applicant must obtain the consent of the insured when designating the beneficiary. The applicant shall insure the life insurance for the workers who have labor relations with him, and shall not designate any person other than the insured and his close relatives as the beneficiary.

????If the insured is a person without or with limited capacity for civil conduct, the beneficiary may be designated by his guardian.

????Article 40 The insured or the applicant may designate one or more persons as beneficiaries.

If there are several beneficiaries, the insured or the applicant may determine the order and share of benefits; If the share of benefit is not determined, the beneficiary shall enjoy the right to benefit according to the equal share.
????Article 41 The insured or the applicant may change the beneficiary and notify the insurer in writing. After receiving the written notice of changing the beneficiary, the insurer shall annotate or attach the approval form to the insurance policy or other insurance documents.

????The applicant must obtain the consent of the insured when changing the beneficiary.
????Forty-second after the death of the insured, under any of the following circumstances, the insurance money shall be regarded as the insured’s inheritance, and the insurer shall perform the obligation to pay the insurance money in accordance with the provisions of the Inheritance Law of People’s Republic of China (PRC):

????(1) The beneficiary has not been designated, or the designation of the beneficiary is unknown and cannot be determined;
????(2) The beneficiary dies before the insured, and there are no other beneficiaries;
????(3) The beneficiary loses or waives the right to benefit according to law, and there are no other beneficiaries.
????If the beneficiary and the insured die in the same event, and the order of death cannot be determined, it is presumed that the beneficiary died first.

????Article 43 If the applicant intentionally causes the death, disability or illness of the insured, the insurer shall not be liable for paying the insurance money. If the applicant has paid the insurance premium for more than two years, the insurer shall return the cash value of the insurance policy to other obligees in accordance with the contract.

????If the beneficiary intentionally causes the death, disability or illness of the insured, or intentionally kills the insured, the beneficiary loses the right to benefit.

????Article 44 In a contract in which the death of the insured is the condition for payment of insurance benefits, if the insured commits suicide within two years from the date of the establishment of the contract or the resumption of the effectiveness of the contract, the insurer shall not be liable for payment of insurance benefits, unless the insured committed suicide as a person without civil capacity.

????If the insurer is not liable for the payment of insurance benefits in accordance with the provisions of the preceding paragraph, it shall return the cash value of the insurance policy in accordance with the contract.

????Article 45 If the insured intentionally commits a crime or resists criminal compulsory measures taken according to law, resulting in his disability or death, the insurer shall not be liable for paying the insurance money. If the applicant has paid the insurance premium for more than two years, the insurer shall return the cash value of the insurance policy in accordance with the contract.

????Article 46 If the insured suffers death, disability or illness due to the act of a third party, the insurer shall not have the right to claim compensation from the third party after paying the insurance money to the insured or beneficiary, but the insured or beneficiary shall still have the right to claim compensation from the third party.

????Article 47 If the applicant cancels the contract, the insurer shall return the cash value of the insurance policy according to the contract within 30 days from the date of receiving the notice of cancellation.

????Section 3 Property Insurance Contract
????Article 48 When an insured accident occurs, if the insured has no insurable interest in the subject matter insured, he may not claim compensation from the insurer.

????Article 49 Where the subject matter insured is transferred, the transferee of the subject matter insured shall inherit the rights and obligations of the insured.

????Where the subject matter insured is transferred, the insured or the transferee shall notify the insurer in time, except for the cargo transportation insurance contract and the contract otherwise agreed.

????If the risk degree is significantly increased due to the transfer of the subject matter insured, the insurer may increase the insurance premium or terminate the contract in accordance with the contract within 30 days from the date of receiving the notice specified in the preceding paragraph. When the insurer terminates the contract, it shall refund the premium it has collected to the insured after deducting the part receivable from the date of commencement of insurance liability to the date of termination of the contract.

????If the insured or the transferee fails to fulfill the notification obligation stipulated in the second paragraph of this article, the insurer shall not be liable for compensation for the insurance accident that occurs due to the significant increase in the risk of the subject matter insured due to the transfer.

????Article 50 The parties to a cargo transportation insurance contract and a means of transport voyage insurance contract may not terminate the contract after the insurance liability begins.

????Article 51 The insured shall abide by the relevant state regulations on fire control, safety, production operation and labor protection, and safeguard the safety of the subject matter insured.

????The insurer may inspect the safety status of the subject matter insured in accordance with the contract, and put forward written suggestions to the applicant and the insured to eliminate unsafe factors and hidden dangers in time.

????If the applicant and the insured fail to fulfill their due responsibilities for the safety of the subject matter insured in accordance with the agreement, the insurer has the right to request an increase in the insurance premium or terminate the contract.

In order to maintain the safety of the subject matter insured, the insurer may, with the consent of the insured, take safety precautions.
????Article 52 If the risk of the subject matter insured increases significantly within the validity period of the contract, the insured shall promptly notify the insurer as agreed in the contract, and the insurer may increase the insurance premium or terminate the contract as agreed in the contract. When the insurer terminates the contract, it shall refund the premium it has collected to the insured after deducting the part receivable from the date of commencement of insurance liability to the date of termination of the contract.

????If the insured fails to fulfill the notification obligation stipulated in the preceding paragraph, the insurer shall not be liable for compensation for the insurance accident caused by the significant increase in the risk of the subject matter insured.

????Article 53 Under any of the following circumstances, unless otherwise agreed in the contract, the insurer shall reduce the insurance premium and refund the corresponding insurance premium on a daily basis:

????(1) The relevant circumstances on which the insurance premium rate is determined have changed, and the degree of danger of the subject matter insured has obviously decreased;
????(2) The insured value of the subject matter insured is obviously reduced.
????Article 54 Before the commencement of insurance liability, if the applicant requests to terminate the contract, he shall pay the handling fee to the insurer in accordance with the contract, and the insurer shall refund the insurance premium. After the commencement of insurance liability, if the applicant requests to terminate the contract, the insurer shall refund the premium collected to the applicant after deducting the part receivable from the commencement of insurance liability to the termination of the contract in accordance with the contract.

????Article 55 If the insured and the insurer agree on the insured value of the subject matter insured and specify it in the contract, when the subject matter insured suffers losses, the agreed insured value shall be taken as the compensation calculation standard.

????If the insured and the insurer have not agreed on the insured value of the subject matter insured, when the subject matter insured suffers losses, the actual value of the subject matter insured at the time of the insured accident shall be taken as the compensation calculation standard.

????The insured amount shall not exceed the insured value. If it exceeds the insured value, the excess shall be invalid, and the insurer shall refund the corresponding insurance premium.

????If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation in proportion to the insured amount and the insured value.

????Article 56 An applicant for double insurance shall notify all insurers of the relevant information about double insurance.

????The sum of the compensation insurance premiums paid by the insurers of double insurance shall not exceed the insured value. Unless otherwise agreed in the contract, each insurer shall be liable for compensation according to the proportion of the insured amount and the sum of the insured amount.

????The applicant for double insurance may request the insurers to return the insurance premium in proportion to the sum of the insured amount exceeding the insured value.

????Double insurance refers to the insurance in which the insured enters into insurance contracts with two or more insurers for the same subject matter, the same insurance interest and the same insurance accident, and the sum of the insured amount exceeds the insured value.

????Article 57 When an insured accident occurs, the insured shall try his best to take necessary measures to prevent or reduce losses.

????After the occurrence of an insured accident, the insurer shall bear the necessary and reasonable expenses paid by the insured to prevent or reduce the loss of the subject matter insured; The amount of expenses borne by the insurer shall be calculated separately from the amount of compensation for the loss of the subject matter insured, and the maximum amount shall not exceed the insured amount.

????Article 58 In case of partial loss of the subject matter insured, the applicant may terminate the contract within 30 days from the date of compensation by the insurer; Unless otherwise agreed in the contract, the insurer may also terminate the contract, but it shall notify the applicant fifteen days in advance.

????If the contract is terminated, the insurer shall refund the insurance premium of the undamaged part of the subject matter insured to the applicant after deducting the part receivable from the date of commencement of insurance liability to the date of termination of the contract in accordance with the contract.

????Article 59 After the occurrence of an insured accident, if the insurer has paid all the insured amount, and the insured amount is equal to the insured value, all the rights of the damaged subject matter insured shall belong to the insurer; If the insured amount is lower than the insured value, the insurer shall obtain part of the rights of the damaged insurance subject matter according to the ratio of the insured amount to the insured value.

????Article 60 If an insured accident is caused by damage to the subject matter insured by a third party, the insurer shall subrogate the insured’s right to claim compensation from the third party within the compensation amount from the date of compensation to the insured.

????If the insured has obtained damages from a third party after the occurrence of the insured accident specified in the preceding paragraph, the insurer may deduct the amount of compensation that the insured has obtained from the third party when compensating the insurance money.

????The insurer’s right to claim compensation by subrogation in accordance with the first paragraph of this article shall not affect the insured’s right to claim compensation from a third party for the part that has not been compensated.

????Article 61 If the insured waives the right to claim compensation from a third party after the occurrence of an insured accident and before the insurer pays the insurance money, the insurer shall not be liable for compensation.

????After the insurer compensates the insured for the insurance money, if the insured waives the right to claim compensation from the third party without the consent of the insurer, the act is invalid.

????If the insured intentionally or due to gross negligence prevents the insurer from exercising the right to claim compensation by subrogation, the insurer may deduct or demand the return of the corresponding insurance money.

????Article 62 The insurer shall not exercise the right of subrogation against the family members or their members of the insured, except that the family members or their members intentionally cause the insured accident as stipulated in the first paragraph of Article 60 of the Cost Law.

????Article 63 When the insurer exercises the right to claim compensation by subrogation to a third party, the insured shall provide the insurer with necessary documents and relevant information.

????Article 64 The insurer shall bear the necessary and reasonable expenses paid by the insurer and the insured to find out and determine the nature and cause of the insured accident and the degree of loss of the subject matter insured.

????Article 65 An insurer may, in accordance with the provisions of the law or the contract, directly compensate the third party for the damage caused by the insured of liability insurance.

????If the insured of liability insurance causes damage to a third party and the insured’s liability for compensation to the third party is determined, the insurer shall directly compensate the insurance money to the third party at the request of the insured. If the insured is slow to make a claim, the third party has the right to directly claim compensation from the insurer for the part that should be compensated.

????If the insured of liability insurance causes damage to a third party and the insured fails to compensate the third party, the insurer shall not compensate the insured for the insurance money.

????Liability insurance refers to insurance with the insured’s liability for compensation to a third party according to law as the insurance subject.
????Article 66 If the insured of liability insurance is brought to arbitration or litigation because of an insured accident that causes damage to a third party, the arbitration or litigation expenses and other necessary and reasonable expenses paid by the insured shall be borne by the insurer, unless otherwise agreed in the contract.

????Chapter III Insurance Companies
????Article 67 The establishment of an insurance company shall be approved by the the State Council Insurance Regulatory Authority.

????When examining the application for the establishment of an insurance company, the insurance regulatory agency of the State Council shall consider the development of the insurance industry and the need for fair competition.

????Article 68 The establishment of an insurance company shall meet the following conditions:
????(1) The major shareholder has sustained profitability and good reputation, has no record of major violations of laws and regulations in the last three years, and its net assets are not less than RMB 200 million;

????(2) Having articles of association that conform to the provisions of this Law and the Company Law of People’s Republic of China (PRC);
????(3) Having a registered capital that meets the requirements of this Law;
????(4) Having directors, supervisors and senior managers with professional knowledge and business experience;
????(5) Having a sound organizational structure and management system;
????(6) Having a business place that meets the requirements and other facilities related to business operations;
????(seven) other conditions stipulated by laws, administrative regulations and the State Council insurance regulatory agency.
????Article 69 To establish an insurance company, the minimum registered capital shall be RMB 200 million.

????The State Council insurance regulatory agency may adjust the minimum registered capital of an insurance company according to its business scope and business scale, but it shall not be lower than the limit specified in the first paragraph of this article.

????The registered capital of an insurance company must be paid-in monetary capital.
????Article 70 To apply for the establishment of an insurance company, a written application shall be submitted to the the State Council Insurance Regulatory Authority, and the following materials shall be submitted:

????(1) An application for establishment, which shall specify the name, registered capital and business scope of the insurance company to be established;

????(2) Feasibility study report;
????(3) the preparation plan;
????(4) the business license or other background information of the investor, and the financial and accounting report of the previous year audited by an accounting firm;

????(five) the list of the person in charge of the preparatory group and the proposed chairman and manager recognized by the investor, and the certificate of his own recognition;
????(6) Other materials as prescribed by the insurance regulatory agency of the State Council.
????Article 71 The the State Council Insurance Regulatory Authority shall examine the application for the establishment of an insurance company, make a decision on approval or disapproval of the establishment within six months from the date of acceptance, and notify the applicant in writing. If it decides not to approve, it shall explain the reasons in writing.

????Article 72 The applicant shall complete the preparatory work within one year from the date of receiving the notice of approval for the preparatory work; Shall not engage in insurance business activities during the preparation period.

????Article 73 After the preparatory work is completed, if the applicant meets the conditions for establishment as stipulated in Article 68 of this Law, he may apply to the insurance regulatory agency of the State Council for starting business.

????The State Council insurance supervision and administration institution shall, within 60 days from the date of accepting the application for business opening, make a decision on whether to approve or disapprove the business opening. If the decision is approved, the insurance business license shall be issued; If it decides not to approve, it shall notify the applicant in writing and explain the reasons.

????Article 74 The establishment of branches by an insurance company within the territory of People’s Republic of China (PRC) shall be approved by the insurance supervision and regulation institution.

????The branch of an insurance company does not have legal person status, and its civil liability shall be borne by the insurance company.
????Article 75 When an insurance company applies for establishing a branch, it shall submit a written application to the insurance supervision and administration institution and submit the following materials:

????(1) An application for establishment;
????(two) the three-year business development plan and market analysis materials of the proposed institution;
????(3) Resumes and relevant certification materials of the proposed senior managers;
????(4) Other materials as prescribed by the the State Council Insurance Regulatory Authority.
????Article 76 The insurance supervision and administration institution shall examine the application of an insurance company to establish a branch, and make a decision of approval or disapproval within 60 days from the date of acceptance. If it decides to approve, it will issue a license for the branch to operate insurance business; If it decides not to approve, it shall notify the applicant in writing and explain the reasons.

????Article 77 An approved insurance company and its branches shall register with the administrative department for industry and commerce and obtain a business license with the insurance business license.

????Article 78 If an insurance company and its branches fail to register with the administrative department for industry and commerce within six months from the date of obtaining the insurance business license, their insurance business license shall be invalid.

????Article 79 The establishment of subsidiaries, branches and representative offices outside People’s Republic of China (PRC) by an insurance company shall be approved by the insurance regulatory authority of the State Council.

????Article 80 The establishment of a representative office in People’s Republic of China (PRC) by a foreign insurance institution shall be approved by the insurance regulatory authority of the State Council. Representative offices shall not engage in insurance business activities.

????Article 81 The directors, supervisors and senior managers of an insurance company shall be of good conduct, be familiar with insurance-related laws and administrative regulations, have the operational and management capabilities required to perform their duties, and obtain the post qualifications approved by the insurance regulatory agency before taking up their posts.

The scope of senior management personnel of insurance companies shall be stipulated by the the State Council Insurance Regulatory Authority.
????Article 82 A person who falls under the circumstances specified in Article 147 of the Company Law of People’s Republic of China (PRC) or one of the following circumstances may not serve as a director, supervisor or senior manager of an insurance company:

????(1) The directors, supervisors and senior managers of financial institutions who have been disqualified by financial supervision and regulation institutions due to illegal or disciplinary acts have not been more than five years since their disqualification;

????(2) A lawyer, a certified public accountant or a professional of an asset appraisal institution, a verification institution, etc., whose practice qualification has been revoked due to illegal or disciplinary acts, and less than five years have passed since the day when his practice qualification was revoked.

????Article 83 If the directors, supervisors and senior managers of an insurance company violate laws, administrative regulations or the articles of association when performing their duties, thus causing losses to the company, they shall be liable for compensation.

????Article 84 An insurance company shall be approved by the insurance supervision and administration institution under any of the following circumstances:

????(a) change the name;
????(2) Change of registered capital;
????(3) Changing the business premises of the company or its branches;
????(4) Revocation of branches;
????(5) Division or merger of the company;
????(6) Amending the Articles of Association;
????(7) Changing shareholders whose capital contribution accounts for more than 5% of the total capital of a limited liability company, or changing shareholders who hold more than 5% of the shares of a joint stock limited company;

????(eight) other circumstances stipulated by the the State Council insurance regulatory agency.
????Article 85 An insurance company shall employ actuarial professionals recognized by the the State Council Insurance Regulatory Authority and establish an actuarial reporting system.

????An insurance company shall employ professionals and establish a compliance reporting system.
????Article 86 An insurance company shall submit relevant reports, statements, documents and materials in accordance with the provisions of the insurance regulatory agency.

Insurance companies’ solvency reports, financial accounting reports, actuarial reports, compliance reports and other relevant reports, statements, documents and materials must truthfully record insurance business matters, and there shall be no false records, misleading statements or major omissions.

????Article 87 An insurance company shall properly keep complete account books, original vouchers and relevant materials of its business activities in accordance with the provisions of the the State Council Insurance Regulatory Authority.

????The storage period of the account books, original vouchers and relevant materials specified in the preceding paragraph shall be counted from the date of termination of the insurance contract, and the insurance period shall not be less than five years if it is less than one year, and not less than ten years if it is more than one year.

????Article 88 An insurance company shall report to the insurance supervision and administration institution when hiring or dismissing an intermediary service institution such as an accounting firm, an asset appraisal institution and a credit rating institution. Reasons shall be given for dismissing intermediary service institutions such as accounting firms, asset appraisal institutions and credit rating agencies.

????Article 89 An insurance company needs to be dissolved due to division or merger, or the shareholders’ meeting or the shareholders’ general meeting decides to dissolve, or the reasons for dissolution stipulated in the articles of association arise, and it shall be dissolved after being approved by the the State Council Insurance Regulatory Authority.

????An insurance company engaged in life insurance business shall not be dissolved unless it is separated, merged or revoked according to law.
????When an insurance company is dissolved, a liquidation group shall be established according to law for liquidation.
????Article 90 Where an insurance company falls under the circumstances stipulated in Article 2 of the Enterprise Bankruptcy Law of the People’s Republic of China, with the consent of the the State Council Insurance Regulatory Authority, the insurance company or its creditors may apply to the people’s court for reorganization, reconciliation or bankruptcy liquidation according to law; The State Council insurance supervision and administration institution may also apply to the people’s court for reorganization or bankruptcy liquidation of the insurance company according to law.

????Article 91 Bankruptcy property shall be paid off in the following order after paying off bankruptcy expenses and common debts first:

????(1) Wages and medical, disability and pension expenses owed to employees, basic old-age insurance and basic medical insurance expenses owed to employees’ personal accounts, and compensation that should be paid to employees according to laws and administrative regulations;

????(2) Compensation or payment of insurance benefits;
????(3) Social insurance fees and taxes owed by insurance companies other than those specified in Item (1);
????(4) Ordinary bankruptcy claims.
????If the bankruptcy property is insufficient to pay off the repayment requirements in the same order, it shall be distributed in proportion.
????The wages of directors, supervisors and senior managers of bankruptcy insurance companies shall be calculated according to the average wages of employees of the company.

????Article 92 If an insurance company engaged in life insurance business is revoked or declared bankrupt according to law, its life insurance contract and liability reserve must be transferred to other insurance companies engaged in life insurance business; If the transfer agreement cannot be reached with other insurance companies, the insurance company with life insurance business shall be designated by the State Council Insurance Regulatory Authority to accept the transfer.

Where the life insurance contract and liability reserve specified in the preceding paragraph are transferred or accepted by the the State Council Insurance Regulatory Authority, the legitimate rights and interests of the insured and beneficiaries shall be safeguarded.
????Article 93 When an insurance company terminates its business activities according to law, it shall cancel its insurance business license.

????Article 94 Unless otherwise provided for in this Law, the provisions of the Company Law of People’s Republic of China (PRC) shall apply to insurance companies.

????Chapter IV Insurance Operating Rules
????Article 95 The business scope of an insurance company:
????(a) personal insurance business, including life insurance, health insurance, accident insurance and other insurance business;
????(2) Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance businesses;

????(3) Other insurance-related businesses approved by the the State Council Insurance Regulatory Authority.
????An insurer may not concurrently engage in life insurance business and property insurance business. However, insurance companies engaged in property insurance business may engage in short-term health insurance business and accidental injury insurance business with the approval of the State Council Insurance Regulatory Authority.

????An insurance company shall engage in insurance business activities within the business scope approved by the the State Council Insurance Regulatory Authority according to law.
????Article 96 With the approval of the the State Council Insurance Regulatory Authority, an insurance company may engage in the following reinsurance business of the insurance business specified in Article 95 of this Law:

????(1) ceding insurance;
????(2) Sub-insurance.
????Article 97 An insurance company shall withdraw a deposit of 20% of its total registered capital and deposit it in a bank designated by the the State Council Insurance Regulatory Authority. It shall not be used except for paying off debts during liquidation of the company.

????Article 98 An insurance company shall, in accordance with the principle of safeguarding the interests of the insured and ensuring solvency, draw various liability reserves.

The specific measures for the insurance company to withdraw and carry forward the liability reserve shall be formulated by the the State Council Insurance Regulatory Authority.
????Article 99 An insurance company shall withdraw its provident fund according to law.
????Article 100 An insurance company shall pay the insurance guarantee fund.
????The insurance protection fund shall be centrally managed and used as a whole under the following circumstances:
????(1) Providing relief to the applicant, the insured or the beneficiary when the insurance company is revoked or declared bankrupt;

????(2) When an insurance company is revoked or declared bankrupt, providing relief to the insurance company that accepts its life insurance contract according to law;

????(3) Other circumstances stipulated by the State Council.
????Specific measures for the collection, management and use of insurance protection funds shall be formulated by the State Council.
????Article 101 An insurance company shall have a minimum solvency commensurate with its business scale and risk degree. The difference between the authorized assets and the authorized liabilities of an insurance company shall not be less than the amount stipulated by the the State Council Insurance Regulatory Authority; If the amount is lower than the specified amount, corresponding measures shall be taken to reach the specified amount according to the requirements of the insurance supervision and administration institution of the State Council.

????Article 102 The insurance premium retained by an insurance company engaged in property insurance business in the current year shall not exceed four times the sum of its actual capital plus provident fund.

????Article 103 The liability of an insurance company for each dangerous unit, that is, the maximum loss range that may be caused by an insurance accident, shall not exceed 10% of the sum of the actual capital plus the provident fund; The excess shall be reinsurance.

????The division of dangerous units by insurance companies shall conform to the provisions of the State Council Insurance Regulatory Authority.
????Article 104 An insurance company’s method of classifying dangerous units and its catastrophe risk arrangement plan shall be reported to the the State Council Insurance Regulatory Authority for the record.

????Article 105 An insurance company shall handle reinsurance in accordance with the provisions of the the State Council Insurance Regulatory Authority, and carefully select reinsurance recipients.

????Article 106 An insurance company must use its funds steadily and follow the principle of safety.

????The use of funds by insurance companies is limited to the following forms:
????(1) Bank deposits;
????(2) buying and selling bonds, stocks, shares of securities investment funds and other securities;
????(3) investing in real estate;
????(four) other forms of capital use as prescribed by the State Council.
????Specific measures for the administration of the use of funds by insurance companies shall be formulated by the the State Council Insurance Regulatory Authority in accordance with the provisions of the preceding two paragraphs.

????Article 107 An insurance company may establish an insurance asset management company with the approval of the the State Council Insurance Regulatory Authority in conjunction with the the State Council Securities Regulatory Authority.

????Insurance asset management companies engaged in securities investment activities shall abide by the provisions of the Securities Law of People’s Republic of China (PRC) and other laws and administrative regulations.

????Measures for the administration of insurance asset management companies shall be formulated by the the State Council Insurance Regulatory Authority in conjunction with the relevant departments of the State Council.

????Article 108 An insurance company shall, in accordance with the provisions of the the State Council Insurance Regulatory Authority, establish a system for the management and information disclosure of related party transactions.

????Article 109 The controlling shareholders, actual controllers, directors, supervisors and senior managers of an insurance company shall not use related party transactions to harm the interests of the company.

????Article 110 An insurance company shall, in accordance with the provisions of the the State Council Insurance Regulatory Authority, truthfully, accurately and completely disclose financial and accounting reports, risk management, insurance product management and other major matters.

????Article 111 The personnel engaged in insurance sales of an insurance company shall meet the qualifications stipulated by the insurance supervision and administration institution of the State Council and obtain the qualification certificate issued by the insurance supervision and administration institution.

????The scope and management measures of insurance sales personnel mentioned in the preceding paragraph shall be formulated by the insurance supervision and administration institution of the State Council.
????Article 112 An insurance company shall establish an insurance agent registration management system, strengthen the training and management of insurance agents, and shall not instigate or induce insurance agents to engage in activities that violate the obligation of good faith.

????Article 113 An insurance company and its branches shall use the insurance business license according to law, and may not transfer, lease or lend the insurance business license.

????Article 114 An insurance company shall, in accordance with the provisions of the the State Council Insurance Regulatory Authority, formulate insurance clauses and insurance rates fairly and reasonably, and shall not harm the legitimate rights and interests of the applicant, the insured and the beneficiary.

????An insurance company shall, in accordance with the contract and the provisions of this Law, timely perform the obligation of compensation or payment of insurance benefits.
????Article 115 When conducting business, an insurance company shall follow the principle of fair competition and shall not engage in unfair competition.

????Article 116 An insurance company and its staff shall not commit the following acts in insurance business activities:

????(1) Deceiving the applicant, the insured or the beneficiary;
????(2) Concealing important information related to the insurance contract from the applicant;
????(3) Obstructing the applicant from fulfilling the obligation of truthful disclosure as stipulated in this Law, or inducing him not to fulfill the obligation of truthful disclosure as stipulated in this Law;

????(four) to give or promise to give the insured, the insured and the beneficiary insurance premiums or other benefits other than those stipulated in the insurance contract;

????(5) Refusing to perform the obligation of compensation or payment of insurance benefits as stipulated in the insurance contract according to law;
????(6) Deliberately fabricating insurance accidents or fictitious insurance contracts that have never happened, or deliberately exaggerating the loss degree of insurance accidents that have happened, making false claims, defrauding insurance money or seeking other illegitimate interests;

????(seven) misappropriation, interception and occupation of insurance premiums;
????(8) Entrusting institutions or individuals without legal qualifications to engage in insurance sales activities;
????(nine) to seek illegitimate interests for other institutions or individuals by conducting insurance business;
????(10) Using insurance agents, insurance brokers or insurance assessment agencies to engage in illegal activities such as fictitious insurance intermediary business or fabricating surrender;

????(eleven) damage the business reputation of competitors by fabricating or spreading false facts, or disrupt the order of the insurance market by other unfair competition;

????(12) disclosing the business secrets of the applicant and the insured that are known in business activities;
????(thirteen) other acts in violation of laws, administrative regulations and the provisions of the the State Council insurance regulatory agency.
????

????Chapter V Insurance Agents and Insurance Brokers

????Article 117 An insurance agent is an institution or individual that collects commissions from the insurer on the basis of the insurer’s entrustment and handles insurance business on its behalf within the scope authorized by the insurer.

????Insurance agencies include professional insurance agencies specializing in insurance agency business and part-time insurance agencies engaged in insurance agency business.

????Article 118 An insurance broker is an institution that provides intermediary services for the applicant to conclude an insurance contract with the insurer based on the interests of the applicant, and collects commissions according to law.

????Article 119 Insurance agencies and insurance brokers shall meet the requirements stipulated by the the State Council Insurance Regulatory Authority, and obtain the insurance agency business license and insurance brokerage business license issued by the insurance regulatory authority.

????Insurance professional agencies and insurance brokers shall register with the administrative department for industry and commerce with the license issued by the insurance supervision and administration institution and obtain a business license.

????A part-time insurance agency shall, with the license issued by the insurance supervision and administration institution, handle the change registration with the administrative department for industry and commerce.

????Article 120 The provisions of the Company Law of People’s Republic of China (PRC) shall apply to the minimum registered capital of insurance professional agencies and insurance brokers established in the form of companies.

????According to the business scope and scale of insurance professional agencies and insurance brokers, the State Council insurance supervision and management institutions may adjust the minimum registered capital, but it shall not be lower than the limit stipulated in the Company Law of People’s Republic of China (PRC).

????The registered capital or capital contribution of insurance professional agencies and insurance brokers must be paid-in monetary capital.
????Article 121 The senior managers of insurance professional agencies and insurance brokers should be of good conduct, be familiar with insurance laws and administrative regulations, have the management ability required to perform their duties, and obtain the post qualifications approved by the insurance supervision and administration institutions before taking up their posts.

????Article 122 Individual insurance agents, agents of insurance agencies, and brokers of insurance brokers shall meet the qualifications stipulated by the insurance regulatory agency of the State Council and obtain the qualification certificates issued by the insurance regulatory agency.

????Article 123 Insurance agencies and insurance brokers shall have their own business premises and set up special account books to record the income and expenditure of insurance agency business and brokerage business.

????Article 124 Insurance agencies and insurance brokers shall deposit a deposit or take out professional liability insurance in accordance with the provisions of the the State Council Insurance Regulatory Authority. Without the approval of the insurance regulatory agency, insurance agencies and insurance brokers may not use the deposit.

????Article 125 An individual insurance agent may not accept the entrustment of more than two insurers at the same time when handling life insurance business on his behalf.

????Article 126 When an insurer entrusts an insurance agent to handle insurance business on its behalf, it shall sign an agency agreement with the insurance agent to stipulate the rights and obligations of both parties according to law.

????Article 127 The insurer shall bear the responsibility for the insurance agent’s act of handling insurance business on behalf of the insurer.

If an insurance agent has no power of agency, exceeds the power of agency or concludes a contract in the name of the insurer after the termination of the power of agency, so that the applicant has reason to believe that he has power of agency, the agency behavior is valid. An insurer may investigate the liability of an insurance agent who exceeds his authority according to law.

????Article 128 If an insurance broker causes losses to the applicant and the insured due to his fault, he shall be liable for compensation according to law.

????Article 129 The parties to an insurance activity may entrust an independent appraisal institution established according to law, such as an insurance assessment institution, or personnel with relevant professional knowledge to evaluate and appraise the insurance accident.

????Institutions and personnel entrusted with the assessment and appraisal of insurance accidents shall conduct the assessment and appraisal in accordance with the law, independently, objectively and impartially, and no unit or individual may interfere.

????If the institutions and personnel specified in the preceding paragraph cause losses to the insurer or the insured intentionally or negligently, they shall be liable for compensation according to law.

????Article 130 Insurance commissions are only paid to legally qualified insurance agents and insurance brokers, and may not be paid to others.

????Article 131 Insurance agents, insurance brokers and their employees shall not commit the following acts in handling insurance business activities:

????(1) Deceiving the insurer, the applicant, the insured or the beneficiary;
????(2) Concealing important information related to the insurance contract;
????(3) Obstructing the applicant from fulfilling the obligation of truthful disclosure as stipulated in this Law, or inducing him not to fulfill the obligation of truthful disclosure as stipulated in this Law;

????(4) Giving or promising to give benefits other than those stipulated in the insurance contract to the applicant, the insured or the beneficiary;
????(5) Forcing, inducing or restricting the applicant to conclude an insurance contract by taking advantage of administrative power, position or professional convenience and other improper means;

????(6) Forging or altering an insurance contract without authorization, or providing false certification materials for the parties to the insurance contract;
????(seven) misappropriation, interception, embezzlement of insurance premiums or insurance benefits;
????(8) Taking advantage of business facilities to seek illegitimate interests for other institutions or individuals;
????(9) colluding with the applicant, the insured or the beneficiary to defraud the insurance money;
????(10) disclosing the business secrets of the insurer, the applicant and the insured that are known in business activities.
????Article 132 The division, merger, change of organizational form, establishment of branches or dissolution of insurance professional agencies and insurance brokers shall be subject to the approval of the insurance regulatory agency.

????Article 133 The provisions of the first paragraph of Article 86 and Article 113 of this Law shall apply to insurance agencies and insurance brokers.

????Chapter VI Supervision and Administration of Insurance Industry
????Article 134 Insurance supervision and management institutions shall, in accordance with their duties as stipulated in this Law and the the State Council, follow the principles of legality, openness and fairness, supervise and manage the insurance industry, maintain the order of the insurance market, and protect the legitimate rights and interests of policyholders, insured persons and beneficiaries.

????Article 135 The insurance supervision and administration institution of the State Council shall formulate and issue relevant regulations on insurance supervision and administration in accordance with laws and administrative regulations.

????Article 136 The insurance clauses and premium rates of insurance types that are related to the public interests, those that are subject to compulsory insurance according to law, and newly developed life insurance types shall be reported to the the State Council Insurance Regulatory Authority for approval. When examining and approving, the insurance supervision and administration institution of the State Council shall follow the principles of protecting public interests and preventing unfair competition. The insurance clauses and premium rates of other insurance types shall be reported to the insurance supervision and administration institution for the record.

The specific measures for the examination, approval and filing of insurance clauses and premium rates shall be formulated by the the State Council Insurance Regulatory Authority in accordance with the provisions of the preceding paragraph.
????Article 137 If the insurance clauses and premium rates used by insurance companies violate laws, administrative regulations or the relevant provisions of the insurance regulatory agency of the State Council, the insurance regulatory agency shall order them to stop using them and make amendments within a time limit; If the circumstances are serious, it may be forbidden to declare new insurance clauses and insurance rates within a certain period of time.

????Article 138 The insurance supervision and administration institution of the State Council shall establish and improve the solvency supervision system of insurance companies and monitor the solvency of insurance companies.

????Article 139 The the State Council Insurance Regulatory Authority shall list the insurance companies with insufficient solvency as key regulatory targets, and may take the following measures according to specific conditions:

????(a) ordered to increase capital, reinsurance;
????(2) limiting the business scope;
????(3) Limiting dividends to shareholders;
????(four) limit the scale of fixed assets purchase or operating expenses;
????(five) the form and proportion of restricting the use of funds;
????(6) Restricting the addition of branches;
????(seven) to order the auction of non-performing assets and the transfer of insurance business;
????(8) Limiting the remuneration levels of directors, supervisors and senior managers;
????(9) Restricting commercial advertisements;
????(ten) ordered to stop accepting new business.
????Article 140 If an insurance company fails to withdraw or carry forward various liability reserves in accordance with the provisions of this Law, or fails to conduct reinsurance in accordance with the provisions of this Law, or seriously violates the provisions of this Law on the use of funds, the insurance supervision and regulation institution shall order it to make corrections within a time limit, and may also order it to adjust the responsible person and relevant management personnel.

????Article 141 If the insurance company fails to make corrections within the time limit after the insurance supervision and administration institution has made a decision to make corrections within the time limit in accordance with the provisions of Article 140 of this Law, the the State Council insurance supervision and administration institution may decide to appoint insurance professionals and relevant personnel of the insurance company to form a rectification group to rectify the company.

????The rectification decision shall specify the name of the company to be rectified, the reasons for rectification, the members of the rectification team and the rectification period, and shall be announced.

????Article 142 The rectification group has the right to supervise the daily business of the rectified insurance company. The person in charge of the company being reorganized and the relevant management personnel shall exercise their functions and powers under the supervision of the reorganization team.

????Article 143 In the course of reorganization, the original business of the reorganized insurance company will continue. However, the the State Council Insurance Regulatory Authority may order the reorganized company to stop part of its original business, stop accepting new business and adjust the use of funds.

????Article 144 If an insurance company that has been rectified has corrected its violation of the provisions of this Law and resumed its normal operation, the rectification team shall submit a report, which shall be approved by the insurance supervision and administration institution of the State Council, and the rectification shall be terminated and announced by the insurance supervision and administration institution of the State Council.

????Article 145 The the State Council Insurance Regulatory Authority may take over an insurance company under any of the following circumstances:

????(1) The solvency of the company is seriously insufficient;
????(2) Violating the provisions of this Law and harming the public interests, which may seriously endanger or has seriously endangered the solvency of the company.

????The creditor-debtor relationship of the taken-over insurance company does not change due to the takeover.
????Article 146 The composition of the take-over group and the measures for the implementation of the take-over shall be decided by the the State Council Insurance Regulatory Authority and announced.

????Article 147 Upon the expiration of the take-over period, the the State Council Insurance Regulatory Authority may decide to extend the take-over period, but the maximum take-over period shall not exceed two years.

????Article 148 If the takeover period expires and the insurance company that has been taken over has resumed its normal operation capacity, the the State Council Insurance Regulatory Authority shall decide to terminate the takeover and make a public announcement.

????Article 149 Where an insurance company that has been reorganized and taken over is under the circumstances as stipulated in Article 2 of the Enterprise Bankruptcy Law of the People’s Republic of China, the insurance supervision and administration institution of the State Council may apply to the people’s court for reorganization or bankruptcy liquidation of the insurance company according to law.

????Article 150 If an insurance company’s insurance business license is revoked according to law due to illegal operation, or its solvency is lower than the standard set by the insurance regulatory agency of the State Council, and the failure to cancel it will seriously endanger the order of the insurance market and damage the public interest, the insurance regulatory agency of the State Council will revoke it and make a public announcement, and timely organize a liquidation team to carry out liquidation according to law.

????Article 151 The the State Council insurance regulatory authority has the right to require the shareholders and actual controllers of insurance companies to provide relevant information and materials within the specified time limit.

????Article 152 If the shareholders of an insurance company use related party transactions to seriously damage the company’s interests and endanger the company’s solvency, the the State Council Insurance Regulatory Authority shall order them to make corrections. Before making corrections as required, the the State Council Insurance Regulatory Authority may restrict the rights of its shareholders; Those who refuse to make corrections may be ordered to transfer their shares in insurance companies.

????Article 153 An insurance supervision and management institution may, according to the needs of performing its supervision and management duties, hold supervision and management talks with directors, supervisors and senior management personnel of an insurance company, and ask them to make explanations on major issues of the company’s business activities and risk management.

????Article 154 During the period of reorganization, takeover or cancellation of liquidation of an insurance company, or in case of major risks, the the State Council Insurance Regulatory Authority may take the following measures against the directors, supervisors, senior managers and other directly responsible personnel of the company:

????(1) Notify the exit administration authorities to prevent them from leaving the country according to law;
????(2) applying to the judicial organ to prohibit it from transferring, transferring or otherwise disposing of property, or setting other rights on property.

????Article 155 An insurance supervision and administration institution may take the following measures to perform its duties according to law:

????(1) Conducting on-site inspections on the representative offices of insurance companies, insurance agents, insurance brokers, insurance asset management companies and foreign insurance institutions;

????(two) to enter the place where the suspected illegal act occurred to investigate and collect evidence;
????(3) Asking the parties concerned, the units and individuals related to the incident under investigation, and asking them to explain the matters related to the incident under investigation;

????(four) to consult and copy the information related to the property rights registration of the investigated event;
????(5) consulting and copying the financial and accounting data and other relevant documents and materials of insurance companies, insurance agents, insurance brokers, insurance asset management companies, representative offices of foreign insurance institutions, and units and individuals related to the investigated events; To seal up documents and materials that may be transferred, concealed or damaged;

????(6) Inquiring about the bank accounts of insurance companies, insurance agents, insurance brokers, insurance asset management companies, representative offices of foreign insurance institutions and units and individuals related to suspected illegal activities;

????(7) If there is evidence to prove that illegal funds and other property involved have been or may be transferred or concealed, or important evidence has been concealed, forged or destroyed, apply to the people’s court for freezing or sealing up with the approval of the principal responsible person of the insurance regulatory institution.

????Where an insurance regulatory institution adopts the measures mentioned in Items (1), (2) and (5) of the preceding paragraph, it shall be approved by the person in charge of the insurance regulatory institution; To take the measures in Item (6), it shall be approved by the person in charge of the insurance supervision and administration institution in the State Council.

????Insurance supervision and management institutions shall carry out supervision, inspection and investigation according to law, and the number of personnel involved in supervision, inspection and investigation shall not be less than two, and they shall produce legal certificates and notices of supervision, inspection and investigation; The units and individuals under inspection and investigation have the right to refuse if there are less than two persons who supervise, inspect and investigate, or if they fail to produce their legal certificates and the notice of supervision, inspection and investigation.

????Article 156 When an insurance supervision and administration institution performs its duties according to law, the units and individuals under inspection and investigation shall cooperate.

????Article 157 The staff of an insurance supervision and administration institution shall be loyal to their duties, act in accordance with the law, be fair and honest, and shall not seek illegitimate interests by taking advantage of their positions, nor disclose the business secrets of the relevant units and individuals they know.

????158th the State Council insurance supervision and management institutions shall establish a supervision and management information sharing mechanism with the People’s Bank of China and other financial supervision and management institutions in the State Council.

????When an insurance supervision and administration institution performs its duties according to law and conducts supervision, inspection and investigation, the relevant departments shall cooperate with it.

????Chapter VII Legal Liability
????Article 159 Whoever, in violation of the provisions of this Law, establishes an insurance company, an insurance asset management company or illegally engages in commercial insurance business shall be banned by the insurance supervision and administration institution, and his illegal income shall be confiscated, and he shall also be fined from one time to five times his illegal income; If there is no illegal income or the illegal income is less than 200,000 yuan, a fine of not less than 200,000 yuan but not more than 1 million yuan shall be imposed.

????Article 160 Whoever, in violation of the provisions of this Law, establishes a professional insurance agency or insurance broker without authorization, or engages in insurance agency business or insurance brokerage business without obtaining an insurance agency business license, shall be banned by the insurance supervision and administration institution, and his illegal income shall be confiscated, and a fine of not less than one time but not more than five times his illegal income shall be imposed; If there is no illegal income or the illegal income is less than 50,000 yuan, a fine of not less than 50,000 yuan but not more than 300,000 yuan shall be imposed.

????Article 161 Where an insurance company violates the provisions of this Law and operates beyond the approved business scope, the insurance supervision and regulation institution shall order it to make corrections within a time limit, confiscate its illegal income and impose a fine of not less than one time but not more than five times its illegal income; If there is no illegal income or the illegal income is less than 100,000 yuan, a fine of more than 100,000 yuan and less than 500,000 yuan shall be imposed. If it fails to make corrections within the time limit or causes serious consequences, it shall be ordered to suspend business for rectification or revoke its business license.

????Article 162 If an insurance company commits one of the acts specified in Article 116 of this Law, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan; If the circumstances are serious, its business scope shall be restricted, it shall be ordered to stop accepting new business or its business license shall be revoked.

????Article 163 If an insurance company violates the provisions of Article 84 of this Law, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 10,000 yuan but not more than 100,000 yuan.

????Article 164 If an insurance company violates the provisions of this Law and commits any of the following acts, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan:

????(1) Overunderwriting, and the circumstances are serious;
????(2) Underwriting insurance with death as the condition for paying insurance benefits for persons without civil capacity.
????Article 165 Whoever, in violation of the provisions of this Law, commits any of the following acts shall be ordered by the insurance supervision and regulation institution to make corrections and be fined between 50,000 yuan and 300,000 yuan; If the circumstances are serious, its business scope may be restricted, it may be ordered to stop accepting new business or its business license may be revoked:

????(a) failing to deposit the deposit in accordance with the provisions or using the deposit in violation of the provisions;
????(2) Failing to withdraw or carry forward various liability reserves in accordance with regulations;
????(3) Failing to pay the insurance protection fund or withdraw the provident fund in accordance with the provisions;
????(4) Failing to handle reinsurance in accordance with regulations;
????(5) Failing to use the funds of the insurance company in accordance with the provisions;
????(six) the establishment of branches or representative offices without approval;
????(7) Failing to apply for approval of insurance clauses and insurance rates as required.
????Article 166 If an insurance agency or insurance broker commits one of the acts specified in Article 131 of this Law, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan; If the circumstances are serious, the business license shall be revoked.

????Article 167 If an insurance agency or insurance broker violates the provisions of this Law and commits any of the following acts, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 20,000 yuan but not more than 100,000 yuan; If the circumstances are serious, it shall be ordered to suspend business for rectification or revoke its business license:

????(1) Failing to pay the deposit or take out professional liability insurance in accordance with the regulations;
????(2) Failing to set up special account books to record business income and expenditure in accordance with regulations.
????Article 168 Where a professional insurance agency or insurance broker violates the provisions of this Law by setting up a branch or changing its organizational form without approval, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 10,000 yuan but not more than 50,000 yuan.

????Article 169 Anyone who, in violation of the provisions of this Law, hires a person who does not have the post-holding qualification or employment qualification shall be ordered by the insurance supervision and administration institution to make corrections and be fined between 20,000 yuan and 100,000 yuan.

????Article 170 Whoever, in violation of the provisions of this Law, transfers, leases or lends a business license shall be fined not less than 10,000 yuan but not more than 100,000 yuan by the insurance supervision and regulation institution; If the circumstances are serious, it shall be ordered to suspend business for rectification or revoke its business license.

????Article 171 Anyone who violates the provisions of this Law and commits any of the following acts shall be ordered by the insurance supervision and regulation institution to make corrections within a time limit; If no correction is made within the time limit, a fine of not less than 10,000 yuan but not more than 100,000 yuan shall be imposed:

????(a) failing to submit or keep reports, statements, documents and materials in accordance with the provisions, or failing to provide relevant information and materials in accordance with the provisions;

????(2) Failing to submit the insurance clauses and insurance rates for the record as required;
????(3) Failing to disclose information as required.
????Article 172 Whoever, in violation of the provisions of this Law, commits any of the following acts shall be ordered by the insurance supervision and regulation institution to make corrections and be fined between 100,000 yuan and 500,000 yuan; If the circumstances are serious, its business scope may be restricted, it may be ordered to stop accepting new business or its business license may be revoked:

????(1) Compiling or providing false reports, statements, documents and materials;
????(2) Refusing or obstructing the supervision and inspection according to law;
????(3) Failing to use the approved or filed insurance clauses and insurance rates in accordance with regulations.
????Article 173 If an insurance company, an insurance asset management company, an insurance professional agency or an insurance broker violates the provisions of this Law, the insurance supervision and administration institution shall, in addition to punishing the unit in accordance with the provisions of Articles 161 to 172 of this Law, give a warning to the directly responsible person in charge and other directly responsible personnel, and impose a fine of not less than 10,000 yuan but not more than 100,000 yuan; If the circumstances are serious, the post-holding qualification or employment qualification shall be revoked.

????Article 174 If an individual insurance agent violates the provisions of this Law, the insurance supervision and administration institution shall give him a warning and may impose a fine of less than 20,000 yuan. If the circumstances are serious, a fine of not less than 20,000 yuan but not more than 100,000 yuan may be imposed, and its qualification certificate may be revoked.

????If a person who has not obtained legal qualifications engages in personal insurance agency activities, the insurance supervision and administration institution shall give him a warning and may impose a fine of less than 20 thousand yuan; If the circumstances are serious, a fine of not less than 20,000 yuan but not more than 100,000 yuan shall be imposed.

????Article 175 If a foreign insurance institution establishes a representative office in People’s Republic of China (PRC) without the approval of the insurance regulatory authority in the State Council, it shall be banned by the insurance regulatory authority in the State Council, and a fine of 50,000 yuan to 300,000 yuan shall be imposed.

????If a representative office established by a foreign insurance institution in People’s Republic of China (PRC) engages in insurance business activities, the insurance supervision and administration institution shall order it to make corrections, confiscate its illegal income and impose a fine of not less than one time but not more than five times its illegal income; If there is no illegal income or the illegal income is less than 200,000 yuan, a fine of more than 200,000 yuan and less than 1 million yuan shall be imposed; The chief representative may be ordered to be replaced; If the circumstances are serious, its representative office shall be revoked.

????Article 176 An applicant, an insured or a beneficiary who commits any of the following acts and engages in insurance fraud, which does not constitute a crime, shall be given administrative punishment according to law:

????(1) The applicant intentionally fabricates the subject matter of insurance to defraud the insurance money;
????(2) fabricating an insurance accident that has never happened, or fabricating a false cause of the accident or exaggerating the degree of loss to defraud insurance money;

????(3) Deliberately causing an insurance accident and defrauding insurance money.
????If an appraiser, appraiser or witness of an insurance accident intentionally provides false documents to provide conditions for the applicant, the insured or the beneficiary to commit insurance fraud, he shall be punished in accordance with the provisions of the preceding paragraph.

????Article 177 Whoever violates the provisions of this Law and causes damage to others shall bear civil liability according to law.

????Article 178 Whoever refuses or obstructs an insurance supervision and administration institution and its staff from exercising their powers of supervision, inspection and investigation according to law, without resorting to violence or threats, shall be given administrative penalties for public security according to law.

????179th violation of laws and administrative regulations, if the circumstances are serious, the the State Council Insurance Regulatory Authority may prohibit the relevant responsible personnel from entering the insurance industry for a certain period of time until life.

????Article 180 The personnel engaged in supervision and management of insurance supervision and management institutions shall be punished according to law in any of the following circumstances:

????(1) approving the establishment of an institution in violation of regulations;
????(2) Examining and approving insurance clauses and insurance rates in violation of regulations;
????(three) on-site inspection in violation of regulations;
????(4) Inquiring about accounts or freezing funds in violation of regulations;
????(5) disclosing the business secrets of the relevant units and individuals that he knows;
????(six) the implementation of administrative punishment in violation of regulations;
????(seven) other acts of abuse of power and dereliction of duty.
????Article 181 Whoever violates the provisions of this Law and constitutes a crime shall be investigated for criminal responsibility according to law.

????Chapter VIII Supplementary Provisions
????Article 182 An insurance company shall join an insurance industry association. Insurance agents, insurance brokers and insurance assessment institutions may join insurance industry associations.

????The insurance industry association is a self-regulatory organization of the insurance industry and a social group legal person.
????Article 183 This Law is applicable to the commercial insurance business operated by insurance organizations established according to law other than insurance companies.

????Article 184 The relevant provisions of the Maritime Code of People’s Republic of China (PRC) shall apply to marine insurance; Where there are no provisions in the Maritime Code of People’s Republic of China (PRC), the relevant provisions of this Law shall apply.

????Article 185 The provisions of this Law shall apply to Chinese-foreign equity joint insurance companies, wholly foreign-owned insurance companies and branches of foreign insurance companies. Where there are other provisions in laws and administrative regulations, such provisions shall apply.

????Article 186 The State supports the development of insurance services for agricultural production. Agricultural insurance shall be stipulated separately by laws and administrative regulations.

????Compulsory insurance, if there are other provisions in laws and administrative regulations, shall apply.
????Article 187 This Law shall come into force as of October 1, 2009.
?

province city Retailer name address fixed-line telephone Shandong(Province) Jinan Shandong runtong No.241, Jiyan Road, Jinan City 0531-87299859 Shandong(Province) Jinan Shandong huarui No.60-5 Gongye South Road, Jinan City 0531-88940826 Shandong(Province) Jinan Shandong hongfa senyue No.233 Yingxiongshan Road, Jinan (the first floor of the Municipal Federation of Literary and Art Circles) 0531-82787010 Shandong(Province) Jinan Shandong luyue Gaijiagou International Logistics Center on the north side of Lingdian Interchange of Ji ‘nan Jiqing Expressway 0531-88276777 Shandong(Province) Qingdao Urban vehicles in Shandong province No.7 Fuzhou North Road, Shinan District, Qingdao 0532-86122179 Shandong(Province) Qingdao Qingdao Chengda No.53 Lishan East Road, Laoshan District, Qingdao 0532-86122179 Shandong(Province) Qingdao Qingdao Shenlongda No.165 Chongqing South Road, Qingdao 0532-86101808 Shandong(Province) Qingdao Qingdao celebrity vehicle store No.59 Yanqing Road, jimo city 0532-86101808 Shandong(Province) Yantai Yantai huayang Datong No.96 Airport Road, Zhifu District, Yantai City 0535-6011555-8050 Shandong(Province) Yantai Yantai Dacheng Huamei No.19, hengshan road, Yantai Development Zone 0535-6956088 Shandong(Province) Weifang Shandong Weifang Runda No.1 Xuanwu East Street, Weifang Economic and Technological Development Zone 0536-8676999 Shandong(Province) Weifang Shandong Weifang Runbao No.399 Weizhou Road, Kuiwen District, Weifang City 0536-8676999 Shandong(Province) Weifang Weifang ruitong Intersection of National Highway 309 and West Second Ring Road, Bei Gong West Street, Weifang City 0536-8161388 Shandong(Province) Jining Jining runtong Jining High-tech Zone Runhua Auto Plaza (No.88, National Highway 327) 0537-2987609 Shandong(Province) Linyi Shandong ruida Linyi Mengshan Avenue North Section China Shopping Mall Exhibition Center North Zone 0539-7111025 Shandong(Province) Linyi Linyi guanhua 100 meters west of Linyi Automobile City, the intersection of Tongda Road and yi river Road, Linyi City, Shandong Province. 0539-7068138 Shandong(Province) Weihai Weihai Merida No.228 Qingdao South Road, Weihai City 0631-5929666 Shandong(Province) Zibo Zibo Antai No.146 Shanquan Road, Zhangdian District, Zibo 0533-2972000 Shandong(Province) sunshine Rizhao hongfa Kuishan Street, Rizhao Economic Development Zone 0633-3933866 Shandong(Province) Zaozhuang Zaozhuang xintong Guangming West Road, High-tech Zone, Zaozhuang City 0632-7660000 Shandong(Province) Tai ‘ an Taian Qiangshi Bank No.125 Dongyue Street, Tai ‘an City 0538-6166677 Shandong(Province) Dongying Dongying Tianchi East of 880m south of Wugan Bridge, Xisi Road, Dongying City 0546-7771779 Shandong(Province) Texas Dezhou tongtu Business Center of Xincheng District, Dezhou City, Shandong Province 0534-2719999 Shandong(Province) Laiwu Laiwu hongfa huamao Yuntaishan Road, Development Zone, Laiwu City 0634-8816666 Shandong(Province) Liaocheng Liaocheng jintong auto sales service co., ltd In Liuyuan Industrial Park, Dongchangfu District, Liaocheng City, Shandong Province 0635-8536777 Tianjin Tianjin Tianjin silian No.1, Automobile Park Middle Road, Airport Logistics Processing Zone, Dongli District, Tianjin 022-84909826 Tianjin Tianjin Tianjin Shenglu No.10 Taifeng Road, Tianjin Development Zone 022-84909826 Tianjin Tianjin Tianjin Zhongping Shangtong No.74 Xianyang Road, Nankai District, Tianjin (intersection with Changjiang Road) 022-27367068 Hebei Shijiazhuang Hebei shenghua No.456 Yuhua East Road, Shijiazhuang, Hebei Province 0311-85670090 Hebei Shijiazhuang Hebei Yitong No.268, North Second Ring West Road, Shijiazhuang City, Hebei Province 0311-87736548 Hebei Baoding Baoding Yili No.192 Chaoyang North Road, Baoding City 0312-3133205 Hebei Handan Handan Shenghua East of No.200 Road, Southbound Roundabout, Hufu Riding and Shooting in the North of Donghuan Road, Handan City 0310-7120666-816 Hebei Tangshan Tangshan silian Tangshan High-tech Development Zone Jianshe North Road 0315-3852895 Hebei Qinhuangdao Qinhuangdao jietong No.113, West Outer Ring Road, Qinhuangdao Development Zone 0335-5990555 Hebei Cangzhou Cangzhou Yichang No.12, Shigang Road, Cangzhou Development Zone 0317-7606044 Shanxi Taiyuan Shanxi Baoding No.319 Xuefu Road, Taiyuan City, Shanxi Province 0351-7539812 Shanxi Taiyuan Shanxi meitong Shanxi Taiyuan Yingze Bridge Xiqiliu Road West Exit/Entrance 0351-6130333 Shanxi Changzhi Changzhi jingtong Jiefang West Street, Changzhi City, Shanxi Province 0355-6069161 Shanxi Great harmony Shanxi bigao No.59 Xinjian South Road, Datong City, Shanxi Province 0352-5042995 Inner Mongolia Huhehot Hohhot lifeng Hohhot jinhai road lifeng automobile cultural plaza Buick specialty store 0471-3388237 Inner Mongolia Ordos Lifeng, Ordos City, Inner Mongolia 92km from Baodong Expressway, Dongsheng District, Ordos City, Inner Mongolia. 0477-8560242 Inner Mongolia head wrapper Baotou mengtong No.38 Gangtie Street, Baotou City, Inner Mongolia 0472-2218587 Liaoning (Province) Shenyang Shenyang xintong No.9 Dongling West Road, Dadong District, Shenyang 0412-88444999 Liaoning (Province) Shenyang Liaoning Xinyi No.8 Beier Middle Road, Tiexi District, Shenyang　 024-25112260 Liaoning (Province) Anshan Liaoning xintong No.215 Jiefang West Road, qianshan district City, Anshan City 0412-8256218 Liaoning (Province) Shenyang Liaoning Tianhe No.130, Huanghe North Street, Yuhong District, Shenyang 024-86552598 Liaoning (Province) Jinzhou Jinzhou Tianhe No.231 Jinyi Road, Jinzhou City, Liaoning Province 0416-4681599 Liaoning (Province) Dalian Dalian shangtong No.666 Huabei Road, Ganjingzi District, Dalian 0411-86527504 Liaoning (Province) Dalian Dalian fusida No.293 Huabei Road, Ganjingzi District, Dalian 0411-86595555 Liaoning (Province) panjin Panjin shangtong East of Shuangxing Road, Industrial Development Zone, Xinglongtai District, Panjin, Liaoning 0427-2881219 Heilongjiang Province Harbin Harbin meitong No.167 Zhongshan Road, nangang district, Harbin 0451-82660080 Heilongjiang Province grand celebration Daqing yeqin Financial Street, Weier Road, Dongfeng New Village, Saertu District, Daqing (the side building of China Everbright Bank) 0459-6386377 Heilongjiang Province Qiqihar Qiqihar Juntong Qiqihar Qifu Highway Automobile City 0452-6106603 Jilin (Province) Changchun Jilin Yongtong No.20 Kaixuan Road, Kuancheng District, Changchun City, Jilin Province 0431-2929002 Jilin (Province) Changchun Changchun Jindazhou Road Tong No.2656, Southeast Lake Road, Changchun Economic and Technological Development Zone 0431-84688005 Jilin (Province) Jilin (Province) Jilin Yongtong No.177 Yueshan Road, chuanying, Jilin 0432-2128444 Sichuan(Province) Chengdu Chengdu Ji Xiang No.163 Shuxi Road, Yangxi Line, Chengdu 028-87513000-8207 Sichuan(Province) Chengdu Sichuan shenrong No.61 Shunjiang Section, Wuhou Avenue, Chengdu 028-85365236 Sichuan(Province) Chengdu Sichuan ganghong Mailbox B-26, 1km from Airport Road, Chengdu High-tech Zone 028-85156622-26 Sichuan(Province) Mianyang Mianyang Ji Xiang No.45 Dongjin Road, Youxian District, Mianyang City 0816-2293808 Sichuan(Province) Neijiang Neijiang ganghong No.38 ~ 48 Shuangsu Road, Shizhong District, Neijiang City 0832-8306000 Sichuan(Province) Leshan Leshan shentong No.106, Bai Yan Road, Shizhong District, Leshan 0833-2440090 Sichuan(Province) Deyang Deyang dongxin Sichuan Deyang Bajiao Industrial Park 0838-2602777 Sichuan(Province) Nanchong Sichuan pinxin Jianan Road, Nanchong City, Sichuan Province (Automobile City) 0817-8126789 Xizang Lhasa Lhasa kangda No.158 Jinzhu West Road, Lhasa 0891-6868458 Fujian(Province) Xiamen Xiamen taicheng Building AB, Guomao Avenue, Hubin South Road, Xiamen 0592-2639876 Fujian(Province) Longyan Longyan taicheng Longyan Avenue Expressway toll office is 900 meters. 0597-2776063 Fujian(Province) Xiamen Xiamen kailongda No.3125 Tongji South Road, Xiamen 0592-7018873 Fujian(Province) Fuzhou Zhongji zhongtai No.138 Dajing, Huqian, Dongpu Road, Gulou District, Fuzhou City 0591-87725717 Fujian(Province) Fuzhou Fuzhou yongda No.10 Gaoshi Road, Gaishan Investment Zone, Cangshan District, Fuzhou City 0591-88031950-805 Fujian(Province) Quanzhou Quanzhou Tonghai East of citong bridge, Baozhou Road, Quanzhou City 0595-22580688-162 Fujian(Province) Zhangzhou Zhangzhou tonghai Tonghai Automobile City, Yingbin Road, longwen district City, Zhangzhou City 0596-6392888 Fujian(Province) Sanming city Sanming lulutong Building 232, Ganlong New Village, Meilie District, Sanming City (Minzhong Automobile City) 0598-8219111 Yunnan(Province) Kunming Yunnan bowei Kunming, Yunnan Province Gaoxin Xiaotun International Automobile City Buick 4S Store 0871-8357388 Yunnan(Province) Kunming Yunnan hongtong Kunming Huang tu po Xiao tun international automobile city Buick 4S store 0871-8357388 Yunnan(Province) Kunming Yunnan zhongchi No.508, Bailong Road, Kunming (opposite to Expo Auto Market) 0871-5620719 Guizhou (Province) Guiyang Guizhou gantong No.532, Middle Section of Huaxi Avenue, Guiyang (Caosi Road) 0851-3816555 Hunan Changsha Hunan Shenxiang Building A, Shenxiang Auto Plaza, Changsha National Economic and Technological Development Zone 0731-4022800 Hunan Changde Changde shenxiang No.28, North Section of Wuling Avenue, Changde City 　 Hunan Yiyang Yiyang Shenxiang No.451, Yiyang Avenue East, Yiyang City 0737-2696161 Hunan Chenzhou Chenzhou Shenxiang Shenxiang Business Building, Extension Section of Wuling Avenue, Chenzhou City, Hunan Province 0735-2815822 Hunan Yueyang Yueyang Shenda Middle Section of Baling East Road, Yueyang City, Hunan Province 0730-8711987 Hunan Hengyang Hengyang Huxiang No.246 Dongfeng North Road, Zhuhui District, Hengyang City, Hunan Province 0734-8392999 Jiangxi Nanchang Jiangxi yuntong No.1065 Hongdu North Avenue, Nanchang City 0791-8616222 Hubei(Province) Wuhan Wuhan guosheng 　 027-51868320 Hubei(Province) Wuhan Sanhuan Haitong No.4, Sanhuan Industrial Park, Hanyang Economic Development Zone, Wuhan City 027-68840900 Hubei(Province) Wuhan Hubei Bocheng No.6, Huangpu Science Park, Jiang ‘an District, Wuhan 027-65660850 Hubei(Province) Yichang Yichang guosheng No.100 Xiling 1st Road, Dongshan Development Zone, Yichang City, Hubei Province 0717-6341418 Hubei(Province) Shiyan Shiyan Shenxie No.43, Checheng South Road, Shiyan City, Hubei Province 0719-8891777 Hubei(Province) Xiangfan Haitong in Xiangfan Third Ring Road No.6, Chunyuan East Road, Xiangfan City, Hubei Province (Yunwan Section, zhang wan Town) 0710-2835806 Hubei(Province) Jingzhou Haitong, the third ring road of Jingzhou Jingsha Avenue, Jingzhou District, Jingzhou City, Hubei Province (Mahe Fishing Ground) 0716-8423157 Chongqing Chongqing Chongqing Hutong Chongqing High-tech Zone Erlang Road Zhongqi Southwest Automobile Supermarket 023-68669000 Chongqing Chongqing Chongqing ganghong No.76, Changjiang 1st Road, Yuzhong District, Chongqing 023-63675555-162 Zhejiang(Province) Hangzhou Zhejiang mijia No.138 Genshan East Road, Hangzhou 0571-86012888 Zhejiang(Province) Hangzhou Zhejiang minghao No.89 Jiefang Road, Shangcheng District, Hangzhou -1 0571-86012888 Zhejiang(Province) Hangzhou Zhejiang shentong 402 Shaoxing Road, Hangzhou, Zhejiang 0571-85366666-1857 Zhejiang(Province) Hangzhou Zhejiang shentong times West of Hangxing Road, Xiangfu Town, Gongshu District, Hangzhou City, Zhejiang Province (south of Hangzhou Automobile City) 0571-28926666 Zhejiang(Province) Hangzhou Zhejiang kangsheng No.668 Tonghui North Road, Xiaoshan District, Hangzhou 0571-82865558 Zhejiang(Province) Hangzhou Hangzhou Yihe No.988 Jinqiao North Road, Fuyang City, Zhejiang Province (Gao Qiao) 0571-63433300 Zhejiang(Province) Hangzhou Ruitai, Zhejiang No.1001 Gudun Road, Xihu District, Hangzhou City, Zhejiang Province 0571-28009020 Zhejiang(Province) Jinhua Jinhua shentong No.1577 Danxi Road, Jinhua City 0579-2236148 Zhejiang(Province) Yongkang Yongkang Samsung No.2 Keyuan Road, Hardware Science and Technology Industrial Park, Yongkang City, Zhejiang Province 0579-7226815 Zhejiang(Province) Huzhou Huzhou shentong Lingyang Road, Fenghuang Development Zone, Huzhou City 0572-2361968 Zhejiang(Province) Quzhou Quzhou mingtong No.669 Caihong Road, Quzhou Economic Development Zone 0570-8566802 Zhejiang(Province) Jiaxing Jiaxing xiangtong No.2608, Second Ring West Road, Jiaxing City 0573-2718296 Zhejiang(Province) Jiaxing Jiaxing xingtong No.3, Brand Zone, Automobile Trade Park, No.999 Zhonghuan South Road, Jiaxing City 0573-3977122 Zhejiang(Province) Yiwu Zhejiang weibang 100m westbound at the intersection of Jingfa Avenue, Xicheng Road, Yiwu, Zhejiang. 0579-5336611 Zhejiang(Province) Ningbo Ningbo Unicom No.911, South Section of Huancheng West Road, Ningbo 0574-87463605 Zhejiang(Province) Ningbo Ningbo Lian ‘an No.168 Wancheng Road, Shigan Youngor Avenue, Yinzhou District, Ningbo 0574-87491281 Zhejiang(Province) Ningbo Ningbo xingxin No.855, East Section of Huancheng South Road, jiangdong district, Ningbo 0574-87053271 Zhejiang(Province) Ningbo Ningbo jiangbei xingxin No.8 Majing Industrial Park, Zhuang Qiao Street, Jiangbei District, Ningbo 0574-87053271 Zhejiang(Province) Ningbo Ningbo Beilun Xingxin No.9 Yongjiang Road, Dagang Industrial Zone, Beilun, Ningbo 0574-87053271 Zhejiang(Province) Cixi Cixi xingxin No.508, Youth Palace North Road, Cixi City 0574-63039303 Zhejiang(Province) Shaoxing Shaoxing wantong No.311 Chengnan Avenue, Shaoxing City 0575-8065712 Zhejiang(Province) Shaoxing Shaoxing hongsheng 100 meters west of Meishan intersection, North Double Line, Shaoxing, Zhejiang Province 0575-8266999 Zhejiang(Province) Shangyu Shangyu kangyou Hangzhou-Ningbo Expressway Shangyu Exit East Head (next to International Trade City) 0575-2291169 Zhejiang(Province) Yuyao Yuyao huade Yuci Expressway connects Shengyan Triangle Station to the west for 1 km. 0574-62501985 Zhejiang(Province) Zhuji Zhejiang rongtong Zhejiang Zhuji Chengxi Industrial New City (at the junction of Qianxi Road and Second Ring Road) 0575-7387682 Zhejiang(Province) Wenzhou Wenzhou huate No.418 Ouhai Avenue, Ouhai Economic Development Zone, Wenzhou City 0577-86727269 Zhejiang(Province) Wenzhou Wenzhou huate yueqing branch No.360 Ningkang West Road, Le Cheng Zhen, Yueqing City 0577-62511811 Zhejiang(Province) Wenzhou Ryan Walter Beside National Highway 104, Tingqi Village, Tingtian Town, Ruian City, Zhejiang Province 0577-65112857 Zhejiang(Province) Wenzhou Wenzhou Huaying North of Yutian Section of Wenzhou Airport Avenue 0577-86571205 Zhejiang(Province) Taizhou Taizhou Zhiyuan Taizhou luqiao district Fanglin Automobile City 0576-2578118 Zhejiang(Province) Taizhou Taizhou Dongtai East end of Kaifa Avenue, Jiaojiang District, Taizhou City, Zhejiang Province (Shugang Avenue) 0576-8150009 Zhejiang(Province) Wenling Wenling Tongda Junction of Zekan Highway and Jiulong Avenue in Wenling City 0576-6195795 Zhejiang(Province) Linhai Linhai Dachang Linhai chengguan liangshui 0576-5289089 Zhejiang(Province) yongjia Yongjia jiechuang Floor 1, Sunshine Building, sunshine avenue, Yongjia City 0576-7960071 Zhejiang(Province) Cangnan Cangnan Wuzhou Next to New 104 National Road, Lingxi Town, Cangnan County, Zhejiang Province 0577-68702333 Zhejiang(Province) Pingyang Pingyang Unicom Intersection of Xinhe North Road, Aojiang Town, Pingyang County 0577-23896222 Zhejiang(Province) Haining Haining zeyu Intersection of Nanbei Avenue and Luolong Road 0573-7385071 Jiangsu(Province) Nanjing Jiangsu Tianhong 05-06, No.186 Hongshan Road, Nanjing 025-85406852-17 Jiangsu(Province) Nanjing Jiangsu kanghong No.168 Fengtai South Road, jianye district, Nanjing 025-85406852-17 Jiangsu(Province) Nanjing Jiangsu huatong No.246 Ningli Road, Nanjing 025-52886679 Jiangsu(Province) Zhenjiang Zhenjiang henglong Jingshier Road, Dingchang Road, Zhenjiang New Area 0511-8898072 Jiangsu(Province) Changzhou Changzhou Changtong Xiaomiao Village, Hutang Town, Wujin District, Changzhou City 0519-8882299 Jiangsu(Province) Changzhou Changzhou shangtong No.777 Tongjiang Avenue, Xinbei District, Changzhou City 0519-8882299 Jiangsu(Province) Wuxi Wuxi huatong Next to National Highway 312 at Guangnan overpass in Wuxi. 0510-82117072 Jiangsu(Province) Wuxi Wuxi jiutong East of Shanbei Bridge, Jianghai West Road (National Highway 312), Wuxi City 0510-83711000 Jiangsu(Province) Wuxi Wuxi Huitong Jincheng Bridge, Zhongnan Road, nanchang district City, Wuxi City 0510-85413333 Jiangsu(Province) Yangzhou Yangzhou Guangyuan No.393, Yangzijiang Middle Road, Yangzhou City, Jiangsu Province 0514-7890399 Jiangsu(Province) Taizhou Taizhou suyuan tongtai No.19 Qingnian South Road, Taizhou City 0523-6685383 Jiangsu(Province) Suzhou Suzhou jiantong No.238 Mayun Road, Suzhou New District 0512-66658089 Jiangsu(Province) Suzhou Suzhou huacheng No.38 Dongxing Road, Suzhou Industrial Park 0512-66268958 Jiangsu(Province) Suzhou Suzhou huazheng No.138, Zhongshan East Road, Mudu Town, Wuzhong District, Suzhou City 0512-66268958 Jiangsu(Province) Suzhou Suzhou dongchang Dashuwan, Taiyang Road, Xiangcheng District, Suzhou (Xiangcheng Boulevard) 0512-82139999 Jiangsu(Province) Nantong Nantong Yangtze River Shangtong No.28, Changjiang South Road, Nantong City, Jiangsu Province 0513-85729997 Jiangsu(Province) Nantong Nantong new city No.139 Chenggang Road, Nantong City 0513-85600916 Jiangsu(Province) Yancheng Yancheng new city 888, century avenue, Yandu New District, Yancheng City, Jiangsu Province (Bugao Automobile Parts) 0515－3133683 Jiangsu(Province) Taicang Taicang huasu No.1 -2 Dongting North Road, Development Zone, Taicang City, Jiangsu Province 0512-53565833 Jiangsu(Province) Xuzhou Xuzhou haiying Xuzhou citizen Fuyuan commercial street building 1 0516-3666128 Jiangsu(Province) Xuzhou Xuzhou rundong Huitong Next door to Huaihai Group, west of National Highway 104, Chengnan Development Zone, Xuzhou City 0516-3207068 Jiangsu(Province) lianyungang Lianyungang dongfang yuantong South of Nancheng Town Bridge, Xinpu District, Lianyungang City 0518-5912999 Jiangsu(Province) Jiangyin Jiangyin shangtong No.199, Cheng Lu Yang, Jiangyin City 0510-86270175 Jiangsu(Province) Wujiang Wujiang Hecheng Ba Ni Development Zone, Songling Town, Wujiang 0512-63369552 Jiangsu(Province) Changshu Changshu huahong 228 Qingduntang Road, Changshu City 0512-52833169 Jiangsu(Province) Kunshan Kunshan huatong No.1131, Changjiang South Road, Kunshan City, Jiangsu Province 0512-57361383 Jiangsu(Province) Yixing Yixing Yitong Hongtajiao Village, Yicheng Town, Yixing City 0510-87112536 Jiangsu(Province) Zhangjiagang Zhangjiagang sentong No.1 Luyang Road, Zhangjiagang City, Jiangsu Province 0512-58912901 Xinjiang Urumqi Tian Shu, Xinjiang No.10, Changsha South Road, High-tech Industrial Development Zone, Urumqi 0991-3668999 Xinjiang Bazhou Bazhou Tian Shu No.2, Zone A, Shenzhou International Automobile City, No.78 Shihua Avenue, Korla, Xinjiang 0996-2162228 Xinjiang Karamay Xinjiang tianxuan No.39 Yingbin Road, Karamay City 0991-3668999 Qinghai Qinghai Qinghai Saiya No.30 Jinhui Road, Xining Economic and Technological Development Zone, Qinghai Province 0971-8802888-8817 Gansu Lanzhou Gansu saiya No.186 Binhe West Road, Lanzhou City, Gansu Province 0931-2583272 Gansu Jiayuguan Jiayuguan Saiya Intersection of National Highway 312 Airport, Jiayuguan City, Gansu Province 0937-6391867-807 Ningxia Ningxia Ningxia Yitong No.1 Xinyuan Avenue, Desheng Industrial Park, Yinchuan 0951-8988159 Shanxi(Province) Xi’an Shaanxi Huaxing new century C5 Zone, Fengcheng 4th Road, Xi ‘an Economic and Technological Development Zone 029-86528001-458 Shanxi(Province) Xi’an Yuehai, Shaanxi No.58 Xifeng Highway, Yanta District, Xi ‘an 029-88580598-2109 Shanxi(Province) Xi’an Xi’ an qitai No.58 Xifeng Highway, Xi ‘an 029-88580598-2109 Shanxi(Province) Baoji Baoji Tongbao East section of Daqing Road, Baoji City, Shaanxi Province 0917-3420111 Henan(Province) Zhengzhou He ‘nan Zhongtong No.155 Zhongyuan Middle Road, Zhengzhou City 0371-63790992 Henan(Province) Zhengzhou Henan new era No.79 Huayuan Road, Zhengzhou City 0371-65697777-8636 Henan(Province) Zhengzhou He’ nan xulong Intersection of Dongming Road and Shangcheng Road, Zhengzhou City (No.36 Dongming South Road) 0371-66371111 Henan(Province) Luoyang Luoyang meitong No.99 Shachang West Road, Xigong District, Luoyang City 0379-63173333 Henan(Province) Nanyang He’ nan Nanyang wantong East section of Zhangheng Road, Nanyang City 0377-62263209 Henan(Province) Anyang Anyang new era Wenchang Avenue, Development Zone, Anyang City, Henan Province, 500 meters east of Hardware & Electric Power TV University World. 0372-2527777 Henan(Province) Jiaozuo Jiaozuo new era No.905, Zhenger Street, Jiaozuo City 0391-3596789 Henan(Province) Xuchang city Xuchang new era Intersection of Yingbin Avenue and Wei Wu Road in Xuchang City 0374-8306772 Anhui (Province) Hefei Anhui huifeng Shibagang, He ‘an Road, Hefei Economic and Technological Development Zone 0551-3522788 Anhui (Province) Wuhu Wuhu Yaxia Yaxia Automobile City, Yijiangbei Road, Wuhu City 0553-2867288 Anhui (Province) Anqing Anqing huantong Anqing Development Zone Area 7-(2) 0556-5357228 Anhui (Province) Fuyang Fuyang zhengtong South Second Ring Road, Fuyang City, Anhui Province 0558-2171111 Anhui (Province) Bengbu Bengbu wind star Middle section of Donghai Avenue, Bengbu City 0552-3714000 Guangdong seaport Hainan Yangpu Anhua auto sales service co., ltd No.116 Nanhai Avenue, Haikou City 0898-36388876 Guangdong Shantou Shantou Jianwei economic & trading co., ltd Building 11-18, industrial workshop on the south side of Zhuchi Road, Shantou City 0754-8803506 Guangdong Huizhou Huizhou biaoyuan automobile co., ltd No.14 Yandayi Road, Huizhou Automobile Market 0752-2526388 Guangdong Meizhou Meizhou shengda auto sales service co., ltd Xishan Section of National Highway 205 in Meixian County, Guangdong Province (next to Xincheng Paifang) 0753-2530000-803 Guangdong Foshan Foshan xieli automobile trading co., ltd East of Fancun Section of National Highway 325 in the south of Foshan City 0757-83136020 Guangdong Foshan Foshan Nanhai district shunxieli automobile trading co., ltd G15, Haiba Road Automobile Market, Guicheng, Nanhai District, Foshan City 0757-86263153 Guangdong Foshan Foshan Shunde district xieli automobile trading co., ltd Shunde Daliang Guangzhu Highway Xinsong Section Xinxieli Automobile City 0757-22333776 Guangdong Foshan Foshan yanghai auto sales service co., ltd Side of Pingzhou Telecom Building, Nangang Avenue, Foping Road, Pingzhou, Nanhai 0757-86761111 Guangdong Jiangmen Jiangmen meichang automobile trading co., ltd No.54 Jianshesan Road, Jiangmen City 0750-3285321 Guangdong Zhongshan Zhongshan lide auto sales service co., ltd Linggang Section of Zhongshan Sixth Road, Zhongshan City 0760-5338333 Guangdong Zhuhai Zhuhai south auto service co., ltd Jiechong, Guangzhu West Road, Zhuhai City, Guangdong Province 0756-8638111 Guangdong Dongguan Dongguan juntong automobile trading co., ltd Wentang Road, Guanzhang Highway, Liaobu Town, Dongguan City 0769-83229502 Guangdong Dongguan Dongguan guang Wu jun Hao industry investment co., ltd Xicheng Business District, beside National Highway 107, Wanjiang District, Dongguan City 0769-22703999 Guangdong Dongguan Dongguan suitong auto sales service co., ltd Opposite Fuying Hotel, Guantai Road, Nancheng District, Dongguan City 0769-85926038 Guangdong Nanning Guangxi hongtong auto sales service co., ltd No.41 Anji Avenue, Nanning 0771-3130913 Guangdong Nanning Guangxi guantong auto sales service co., ltd No.36-6 Baisha Avenue, Nanning, Guangxi 0771-4922615 Guangdong Liuzhou Liuzhou yingtong auto sales service co., ltd No.15, West Ring Road, Liuzhou, Guangxi 0772-3725956 Guangdong Guilin Guilin hongfan guitong auto sales service co., ltd No.29-2-2, Bali Street Economic and Technological Development Zone, Guilin City 0773-2638991 Guangdong a city in Guangdong Province Zhanjiang yanghai auto service co., ltd No.48, Renmin Avenue North, Chikan District, Zhanjiang City, Guangdong Province 0759-3279383 Guangdong Shaoguan Shaoguan chengfeng automobile trading co., ltd Four kilometers south of Shaonan Avenue, Shaoguan City, Guangdong Province 0751-6189277 Guangdong Zhaoqing Zhaoqing meilun automobile trading co., ltd East of Zhaoqing College, Yingbin Avenue, Zhaoqing City 0758-2777888-8002

Nehe city Rong media center

Have you ever paid attention to carcinogens around you? Recently, the topic of "super carcinogen Aspergillus flavus around us" has attracted attention in Weibo.

Aflatoxin is a strong carcinogen produced by Aspergillus flavus! As early as 1993, aflatoxin was classified as a class 1 carcinogen by the World Health Organization, with its toxicity 68 times that of arsenic, 10 times that of potassium cyanide, and 70 times that of dimethylnitrosamine, which is extremely destructive to liver tissue. Regular intake may increase the risk of liver cancer. [1]

In addition to aflatoxin, there are actually some "carcinogens" around us, which are likely to enter the diet and life every day.

1. Aflatoxin: moldy grain and nuts.

Among moldy foods, one kind of mildew comes from Aspergillus flavus, especially in grain. In 2007, an assessment of dietary exposure of Chinese aflatoxin published in China Journal of Food Hygiene pointed out that corn and rice were the main contribution foods to dietary exposure of Chinese aflatoxin. [2]

Reproduction and use of copyright pictures in the gallery may lead to copyright disputes.

In addition, peanuts and peanut oil may also contain aflatoxin.

Common sources of aflatoxin

Moldy corn, rice

Moldy, especially in foods with high starch content, such as corn and rice.

Deteriorated nut

When you eat bitter nuts, you must spit them out immediately and rinse your mouth.

Broken and unclean bamboo and wood chopsticks

Chopsticks themselves will not grow Aspergillus flavus, and starch is easily hidden in unwashed chopsticks, which poses a risk of mildew.

Inferior sesame paste

Using inferior and deteriorated sesame seeds and peanuts as raw materials, aflatoxin may exist in peanuts.

Earth-pressed peanut oil

Some "earth-squeezed oil" or self-squeezed oil has no quality control, and the equipment is not easy to be thoroughly cleaned, and the residual oil stains and grain residues are easy to mildew. [3]

2. benzopyrene: food that has been roasted and fried at high temperature.

Pan Zhanhe, deputy chief physician of the Oncology Department of Zhongshan Hospital affiliated to Xiamen University, said in the Health Times article in 2017 that heterocyclic amines and polycyclic aromatic hydrocarbons may be produced in the production process by barbecue or smoking, among which the most well-known one is benzopyrene, which may be contained in many baked and smoked foods. [4]

A study published in Jinan University in 2018 found that the intake of polycyclic aromatic hydrocarbons in the barbecue process was: eating barbecue food > skin contact > lung inhalation.

This means that during barbecue, the skin absorbs more carcinogens than the lungs inhale. [5]

Common sources of benzopyrene

roast

It may be produced during barbecue or smoking.

High temperature fried food

Cooking oil will produce a lot of benzopyrene at high temperature, and the higher the oil temperature, the more it will be produced.

Cooking oil fume

The cooking fume will also carry benzopyrene, so don’t wait for the oil in the pot to smoke before putting the food. [6]

3. nitrosamines: smoked and pickled food.

Zhang Qin, vice president of Jiangsu Cancer Hospital, said in the program "Meeting a Famous Doctor" on Jiangsu City Channel in 2019 that smoked bacon food contains a lot of nitrosamines, and the incidence of some digestive system tumors, such as esophageal cancer, is related to the intake of nitrosamines in the diet. When smoked food and wine are ingested together, the harm of nitrosamines to human health will multiply. [7]

Reproduction and use of copyright pictures in the gallery may lead to copyright disputes.

Pickled products often contain more nitrite. Although nitrite itself does not cause cancer, it will combine with protein to form nitrosamines when it enters the body. In addition, some nitrosamine compounds, such as nitrosodimethylamine, will be produced in the process of dehydration of Chinese salted fish, which are carcinogenic. [8]

Common sources of nitrosamines or nitrites

Processed meat products

Nitrite is added to some processed meat products such as sausages, ham and bacon.

Overnight dish

Overnight vegetables, especially overnight green leafy vegetables, will produce nitrite, and the nutrition will be discounted.

Smoked and cured food

Pickles, salted fish, bacon, high-salt pickled and smoked foods contain nitrite. For example, the most nitrite in pickles is between two or three days and ten days after the start of pickling. [9]

4. Tobacco tar: inhaled by tobacco burning.

Smoking and second-hand tobacco smoke are classified as Class 1 carcinogens. During the burning process of cigarettes, nearly 4000 new chemicals are formed. Most of these substances are harmful to people, among which nicotine, nitric oxide and tobacco tar are the most harmful, and the latter is the chief culprit of cancer. [10]

Moreover, smoking is not only a kind of cancer that causes lung cancer, but also closely related to the occurrence of nasopharyngeal carcinoma, oral cancer, esophageal cancer and other related cancers.

5. Acetaldehyde: an intermediate product produced after drinking.

The main component of wine is ethanol, which is oxidized into acetaldehyde after entering liver cells. The latter is hepatotoxic and carcinogenic, and excessive accumulation in the body will cause serious harm to the liver. [11]

Reproduction and use of copyright pictures in the gallery may lead to copyright disputes.

Acetaldehyde related to the intake of alcoholic beverages is classified as a class 1 carcinogen. According to the statistics in the 2014 World Cancer Report, 3.5% of cancers are caused by alcohol, and one in every 30 cancer deaths is caused by alcohol. [12]

Although there are various carcinogens around us, carcinogens can cause some cancers, which refers to a possibility after long-term and excessive intake. If you only eat a little occasionally or touch it occasionally, don’t worry, it’s still safe.

Original title: "Five super carcinogens hidden around you, see if you eat them often! 》

Read the original text

　　[New Car Launch in car home] On the evening of November 12th, Ferrari officially announced on its website that its (|) convertible model, the Ferrari SF90 Spider, made its world debut. The new car will be equipped with a convertible mechanism that can be opened and closed electrically, which is the first convertible hybrid model produced indefinitely after Ferrari LaFerrari Aperta. It is reported that the new car will be delivered before the end of spring or early summer in 2021.

"Screenshot of the global online conference, please forgive the poor quality"

More exciting videos are all on the car home video platform.

● New car features
Ferrari’s first plug-in hybrid production convertible model

　　In terms of appearance, the new car is basically the same as the hard-top version of SF90 Stradale, with an active aerodynamic kit integrated on the front enclosure, and the "Tomahawk"-shaped front nose cone is reminiscent of F1 racing cars. The headlight groups on both sides of the new car adopt the shape of the letter "L" and merge with the air inlet below, which also forms an air bridge design on the front engine compartment cover to increase the downforce of the front of the new car.

　　On the side of the car body, the new car adopts a very streamlined shape, and the design of different colors on the roof and body highlights the unique body lines of its sports car. The new car adopts a folding hardtop convertible mechanism, which can be opened and closed in only 14 seconds, and the convertible only takes up 100 liters of trunk space when it is put away. Starting from the B-pillar of the car body, the whole rear cover has become a mechanism that can be opened upwards, so as to retract the roof into the "trunk". In addition, the opening mechanism does not affect the overall line of the side air intake and roof of the new car, and it still looks smooth. The wide side fenders at the front and rear of the new car, with 20-inch spokes and ceramic carbon fiber braking system, make the new car look full of gas.

　　In the rear part, the new car uses a duck-tail spoiler with a large size. Although it is a hard-top convertible design, the rear cabin cover is still made of glass. After the convertible is put away, you can still see the powerful V8 engine, and you can enjoy the roar brought by the V8 engine and the quiet under pure electric cruise. Both of them are very comfortable. The exhaust system with the center and double outlets has also been specially adjusted by Ferrari, which can make a more pleasant sound. In terms of body size, the length, width and height of the new car are 4704/1973/1191mm and the wheelbase is 2649mm respectively.

　　In the interior part, the new car still adopts the center console design that surrounds the driver’s seat, and its surface is covered with a large number of carbon fiber component decorative panels. Of course, the corresponding materials can also be customized according to the needs of users. The new car adopts an all-LCD dashboard, which integrates a newly designed HMI human-computer interaction interface, and the vehicle information with digital display style is clear at a glance. With the touch-type multifunctional flat-bottomed sports steering wheel, the driver can complete various multimedia operations and vehicle regulation without leaving the steering wheel. In addition, the new car also introduces a head-up display system, which can project the main information on the windshield in the driver’s field of vision, so that the driver can concentrate on driving.

　　In terms of power, the new car is still equipped with a plug-in hybrid power system consisting of a 3.9T twin-turbocharged V8 engine and three motors. The comprehensive power of the system is 1,000 horsepower, and the pure electric battery life can reach 25 kilometers. In terms of transmission system, the new car is matched with an 8-speed dual-clutch gearbox and equipped with a full-time four-wheel drive system (RAC-e). The acceleration time of 0-100km/h is 2.5 seconds, and the acceleration time of 0-200km/h is only 7 seconds. In addition, the car will provide four power modes for the driver to choose from. It is worth mentioning that the new car will provide the owner with regular maintenance service for up to seven years. The seven-year original factory maintenance plan is also for all Ferrari models, and covers regular routine maintenance for the first seven years.

● New car background

　　Ferrari SF90 Stradale was launched in the world on May 30, 2019, and was launched and listed in China on October 29 of the same year. The price of the new car was 3.988 million yuan. The launch of SF90 Stradale was to pay tribute to the 90th anniversary of the founding of Ferrari, and it was also a brand-new positioning car launched by Ferrari for many years. Different from the traditional convertible sports car, V8 sports car, V12 sports car, GT sports car and flagship sports car, the new car is a work of art that Ferrari engineers combine track genes accumulated for many years with new plug-in hybrid technology, and it is also an important product launched by Ferrari for electrification transformation.

● Edit Comment:

　　In fact, it seems that the global epidemic has not affected the sales of these ultra-luxury models too much, and the rich will still be obsessed with customizing all kinds of super sports cars. The Ferrari SF90 model is not only the representative of Ferrari technology, but also a rare hybrid version of Ferrari production models. After enjoying the stimulation brought by the twin-turbo V8 engine, it can also contribute to the global environmental protection cause. After all, the new car is different from LaFerrari Aperta, and the SF90 can drive in a purely electric way.

　　According to Ferrari’s electrification process, although Ferrari said that it would not let its models completely enter the era of pure electrification in the short term, it is undeniable that the power increase brought by electrification cannot be ignored. SF90 is such a model that integrates Ferrari’s cutting-edge electrification technology, which not only brings powerful power performance, but also leads Ferrari into a new energy era. (Text/car home graduated)

　　Pilot enterprise units of automobiles imported from the same source, directly from overseas and in parallel. At present, Tianjin Port imports 2023 models of 1500TRX Tyrannosaurus Rex showroom in parallel, and now many cars are sold. The invoice is issued on the same day when the procedures are complete. There is no regional restriction on the national six B emission standards, and the country has settled down and registered normally. With the diversification of people’s car demand, pickup truck models are also loved by more and more people. Multi-choice models with rich colors, direct sales to all parts of the country, and professional national mortgage loans to buy cars. For more details, please call the 24-hour car consultation hotline: 18822276757 Ou Manager (with WeChat).

　　2023 Dodge 1500TRX Tyrannosaurus Rex, in terms of design, Dodge RAM was previously dubbed "Tyrannosaurus Rex" by Chinese people, which looks fierce and focuses on hard-core wild style. The front part of the large irregular mesh is very eye-catching, and the periphery is outlined with thick black ornaments, plus the internal blackened mesh structure, which is aggressive. The middle "RAM" letter is also blackened, so the recognition is improved. The headlights on both sides are tough, and the embedded light source is dot matrix layout, so there is no need to worry about the irradiation effect after opening. The front bumper is very generous and layered, which can play a good protective role. It also adds three light sources in the middle part of the hood, which cooperates with the air inlet structure and is very windy when driving in the street.

　　The 2023 Dodge RAM1500TRX Tyrannosaurus Rex came to the side, and the large black wheel eyebrows at the front and rear of Dodge RAM were very eye-catching. The excellent height from the ground indicated that it also had good traffic capacity in a variety of complex road conditions. The size of the multi-spoke wheel hub is very prominent, and the surface of the off-road special tire is densely covered with gullies, which has excellent grip. The exterior rearview mirror extends outward for a certain distance, so that the observation field is wider and it is convenient for drivers to master the road conditions at the rear.

　　The 2023 Dodge RAM1500TRX Tyrannosaurus Rex has shown strong competitiveness in many aspects, helping it seize more living space in the field of luxury pickup trucks. Its rough appearance will be favored by consumers, and its strong power is a big advantage. However, the price of the car is too expensive, the fuel economy is not very friendly, and the follow-up maintenance costs, its audience is still relatively limited, it is difficult to obtain very eye-catching sales data.

　　The 2023 Dodge RAM1500TRX Tyrannosaurus Rex walked into the car, and the interior configuration of Dodge RAM was a little crude compared with many pure electric vehicles. It still retains the mechanical pointer instrument panel, but it is more suitable for its hard-core pickup positioning. The large embedded central control screen has good definition and rich built-in functions, but a large number of traditional physical buttons and knobs are reserved around it, which is convenient for drivers to realize "blind operation" while driving, but the scientific and technological atmosphere is greatly reduced. The multi-function steering wheel is a bright spot. Not only the layout of the function buttons above is compact, but also carbon fiber decorative materials are added. The visual beauty and control feel are worthy of recognition.

　　2023 Dodge RAM1500TRX Tyrannosaurus Rex, in terms of power, Dodge RAM is equipped with a 6.2L supercharged engine, which can obtain a maximum power of 523 kW and a peak torque of 880 Nm. The engine is also applied to Hellcat, and its strong and abundant performance output is loved by many consumers. Its transmission is matched with an 8-speed automatic manual transmission, and the gear shift is smooth. Of course, the four-wheel drive system is not absent, helping the car to have a reliable ability to get out of trouble. It is worth mentioning that the car only takes 4.6 seconds to accelerate for 100 kilometers, and its top speed can reach 190km/h, so it can be regarded as a "performance beast". In order to improve driving comfort, it not only covers the seat with leather material, but also is equipped with the exclusive suspension system of TRX model.

　　Pilot enterprise units of automobiles imported from the same source, directly from overseas and in parallel. The car models sold by our company can apply for loans all over the country, with low interest, simple procedures, no handling fees and quick approval. Add WeChat to buy a car and get a luxury gift package worth 10,000 yuan. WeChat updates the latest model quotation and picture configuration every day, and more car information configuration quotations and preferential activities are published on WeChat. Welcome to add! Our company promises that this vehicle is a brand-new vehicle imported from the original factory, and provides the official customs clearance, commodity inspection, invoice, certificate of conformity, environmental protection list, two-dimensional code of vehicle electronic information and vehicle purchase tax declaration form for this vehicle. For more details, please call the 24-hour car consultation hotline: 18822276757 Ou Manager (with WeChat).

　　For more details, please call the 24-hour car consultation hotline: 18822276757 Ou Manager (with WeChat).

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

　　　　　 　On June 12, at the fixed-point sorting and dropping point of domestic garbage in the steel ball community of Jiulongpo District, residents dropped garbage under the guidance of sorting garbage inspectors.

　　　　　 In the Steel Ball Community of Jiulongpo District, points can be exchanged for gifts by using bonus cards.

　　　　　 　On July 10th, in Mei ‘an Community, Longfengqiao Street, Beibei District, the preacher was explaining the knowledge of garbage classification to the community residents. Correspondent Qin Tingfu photo

On June 10th, the smart platform for garbage sorting in Liangjiang New Area can monitor the correct delivery rate, points and other data in real time.

On June 12, in the Steel Ball Community of Jiulongpo District, the recycler was cleaning up the garbage in the recyclable smart box.

On June 18, in the community of Tianhumei Town, Renhe Street, Liangjiang New District, the staff were cleaning up perishable garbage.

　　All the pictures in this edition were taken by reporter Zhang Jinhui except the signature.

On July 1st, it was called the strictest garbage sorting measure in history — — With the implementation of "Regulations on the Management of Domestic Waste in Shanghai", garbage classification has become a hot word that has set off major websites and gossip in the country.

Shanghai’s promotion of waste sorting is real, and Chongqing’s waste sorting is also accelerating. At present, the garbage classification system in the main urban area of our city has covered more than 1.1 million households in 43 towns and 306 communities. The overall level of waste sorting in Chongqing is above the average in 46 key cities in China, and it is temporarily in the forefront in the west.

In 2020, Chongqing will carry out domestic waste classification demonstration in 50% of streets and towns and 30% of administrative villages in urban built-up areas.

Zhu Xinglong, general manager of Nanjing Zhida Environmental Protection Technology Co., Ltd., has often staged a "Tale of Two Cities" recently. At the end of June, he just attended the press conference that Zhida was selected as a gazelle enterprise in Nanjing in 2019, and flew to Liangjiang New District in Chongqing to learn about the company’s pilot waste sorting in Yuanyang Street and Dazhulin Street.

Zhu Xinglong is a "crab eater" in the field of garbage classification in Chongqing. In 2009, he established the first private garbage sorting and recycling station in our city — — Chongqing Hengao Environmental Protection Technology Development Co., Ltd. tried to classify garbage in the main city for 5 years, but the loss was more than 10 million yuan. In desperation, he moved to Nanjing and found business opportunities, and the company developed into a national garbage sorting enterprise.

In 2014, when Zhu Xinglong left Chongqing, there were less than 20,000 residents and less than 80,000 people in the main city of Chongqing. Today, the number of residents in the main city participating in the waste sorting pilot has expanded to more than 1.1 million households and millions of people.

From losing Chongqing to returning to Chongqing for gold digging, Zhu Xinglong, the "king of garbage", went back and forth, which reflected the change from "cold" to "hot" in the pilot garbage sorting in our city in the past 10 years.

In the past, garbage was exchanged, and now intelligent garbage collectors enter the community.

Zhu Xinglong still remembers it vividly: in 2009, when he tried to classify garbage in Jiulongpo District, he adopted the extensive classification method of garbage exchange — — Residents call, and the company’s garbage sorter comes to the door to sort, weigh, pay and take away the waste and send it to various resource recycling centers. In order to attract popularity, Zhu Xinglong also engages in some activities from time to time, such as changing mineral water bottles for eggs and changing waste newspapers for paper.

Ten years later, Chongqing’s garbage sorting method has become fine.

Recently, the reporter saw in the No.7 residential area in the Mid-Levels of Jiulongpo District that an intelligent garbage recycling system was set up in the residential area. The words "waste paper", "metal", "textiles" and "plastic bottles" were written on each collection box, and it was clear which window should be put in which kind of garbage.

"Every household has a smart card. As long as the garbage is put correctly, the card will get points." Wang Lanfang, a resident of No.7 residential area in Mid-Levels, said that one kilogram of cardboard is 100 points, and each plastic bottle is 4 points … … The community also has a point exchange machine like a vending machine, where residents can exchange towels, soap and other daily necessities.

Since the intelligent garbage collector entered No.7 Mid-Levels, the community has a garbage sorting instructor, and the accuracy of residents’ garbage sorting has increased to 82%. However, there are still many households who question whether the classified garbage will be mixed and transported.

This kind of worry is not unreasonable.

The Research Center for Environment and Economic Policy of the Ministry of Ecology and Environment has conducted a survey on the behavior of household garbage classification. Respondents think that "garbage is not classified when it is transported centrally, and there is no need to classify it", accounting for 59.6%; "I don’t know the progress and results of garbage disposal after classification, and I have no sense of accomplishment", accounting for 34.5%.

In response to these concerns of residents, Chongqing has made some efforts.

In the Steel Ball Community of Jiulongpo District, the reporter saw that the garbage bins in this community were regularly classified and placed at fixed points, indicating the collection and transportation time and transportation direction of each kind of garbage — —

Perishable garbage is collected and transported to Jiangbei Heishizi kitchen waste treatment plant from 9: 00 to 10: 00 every morning; Other garbage is collected and transported to the solid waste transfer center of Chendang Road from 9: 00 to 11: 00 every morning, compressed and then sent to the garbage incineration power plant; Recyclable materials are collected and transported from 2: 00 pm to 5: 00 pm every day and transported to Chendang Road Solid Waste Transfer Center; Harmful waste, it is collected and shipped once a month.

"The Sanitation Group is equipped with 520 sanitation transport vehicles, and each type of collection and transportation vehicle can only collect and transport its corresponding garbage type, and there is video surveillance throughout the transportation." He Yongquan, chief engineer of Environmental Sanitation Group, introduced that the Group has also installed a life cycle management system for waste sorting in some communities. Tap this intelligent system and enter the corresponding garbage classification card number, so residents can know the detailed information of garbage loading time, transportation and treatment.

The pilot is easy to popularize, but it is difficult to classify waste in Chongqing. There are three obstacles.

In China, it is easy to pilot waste sorting, but it is difficult to promote it continuously, and Chongqing is no exception.

Many people in the industry believe that the residents’ participation rate needs to be improved, the collection and transportation system is not perfect enough, and the classification and disposal are not thorough enough, which are the three "obstacles" in the process of garbage classification and promotion in our city.

"The most difficult thing to break through in garbage classification is the source classification of residents." Zhu Xinglong said that the company used the big data system to analyze the characteristics of people involved in garbage sorting, and found that 70% of residents were over 60 years old, and 10% were middle-aged people around 40 years old.

Not only that, tens of thousands of smart garbage collectors are not available in every community. For example, there are more than 60,000 pilot households in Yuzhong District, and only about 10 sets of smart garbage collectors are installed.

"It is a technical job to divide hundreds of kinds of garbage into recyclables, perishable garbage, other garbage and harmful waste." Mr. Zhang, who lives in Ranjiaba, said that he noticed that Chongqing has not yet developed an App or program to help residents sort garbage.

The difficulty of garbage sorting in Chongqing also stems from the terrain limitations of mountain cities.

According to an industry insider, many cities in China have launched the action of "withdrawing barrels", thus forcing citizens to develop good classification habits. There are many high-rise buildings in Chongqing, and citizens are not used to throwing garbage downstairs. It is unrealistic to carry out a large-scale "barrel withdrawal" operation.

A set of data also confirms the problem of insufficient coverage of garbage classification in our city.

At present, the proportion of households covered by the pilot project of domestic waste classification in the main city is 23.58%, which is lower than the average proportion of households participating in waste classification in 46 key cities determined by the state, which is 38.3%.

In addition to the front-end classified delivery link, Chongqing is also facing confusion in the back-end classified collection, classified transportation and classified disposal.

Integrating the classified collection and transportation system of garbage with the recycling system of renewable resources is conducive to improving the efficiency of classified collection and transportation of domestic garbage and resource utilization. However, Fu Yuechao, a researcher at the Development Research Center of the municipal government, found that high-value waste products such as copper, aluminum and cartons are "fragrant cakes", and enterprises are scrambling to collect them, but waste furniture, foam, glass bottles, milk boxes and batteries are neglected. "Cleaning glass and milk cartons is troublesome, which increases the recycling cost. Recycling batteries, medicines and other harmful waste, enterprises need qualifications, and it is difficult for ordinary enterprises to take over. "

Another phenomenon that can’t be ignored is that although Chongqing is in the forefront of the country in terms of waste incineration power generation and kitchen waste treatment, with an average daily treatment of about 2,000 tons of kitchen waste and more than 8,000 tons of waste incineration power generation, harmful waste’s disposal is still a "short board".

According to the information provided by the Municipal Bureau of Ecology and Environment, there are currently 63 hazardous waste management units in the city, with the utilization and disposal capacity of 1.345 million tons/year. The demand and capacity of hazardous waste disposal in the city have not been completely matched, and the collection, transportation and transit storage facilities and equipment in harmful waste need to be further supplemented and improved.

43 towns and streets carried out pilot projects to incorporate garbage classification into urban management target assessment.

With the drastic measures of garbage sorting in Shanghai, all major cities in China are "smelling garbage and dancing", and Chongqing is also actively preparing for the test of garbage sorting.

"This year, there are 43 streets and towns in the main city to pilot waste sorting, accounting for 47% of the total number of streets and towns." According to a person from the Municipal Urban Management Bureau, in order to promote the garbage sorting work, the city implemented the "Measures for the Management of Domestic Waste Classification in Chongqing" in January this year, requiring transport units to refuse to transport if they find that the delivery and collection of domestic waste do not meet the classification requirements and refuse to rectify.

At the same time, the city has established a system of "monthly dark investigation, quarterly evaluation", "monthly report and quarterly notification", and each district in the main city has a classification work leading group or joint meeting system. The Municipal Urban Management Bureau also conducts unannounced visits and special law enforcement actions from time to time, and incorporates garbage classification into the evaluation content of urban management objectives.

In order to guide more people to participate in garbage sorting, the city has established a "four-level" instructor system for cities, districts, towns and communities, organized activities such as "municipal demonstration of youth volunteer service" and "hands-on" in garbage sorting, and compiled and printed a classification knowledge reader for children, primary schools and middle schools.

Many departments in Chongqing are engaged in the craze of garbage sorting — —

The Municipal Development and Reform Commission supports the construction of PPP projects in the field of waste sorting, and actively builds an investment and financing pattern of "government-led, market-driven and diversified investment";

City, District Housing and Urban-Rural Construction Committee will incorporate the classification of domestic waste into the supervision and inspection of property enterprises, and urge property enterprises to implement waste classification;

The Municipal Bureau of Ecology and Environment strives to build (rebuild and expand) five hazardous waste centralized incineration and landfill projects and seven medical waste disposal projects in 2020, and add more than 11,300 tons of medical waste centralized disposal, basically realizing the matching of hazardous waste disposal demand and capacity in the city;

The Municipal Commission of Commerce will accelerate the "two-network integration" of the renewable resource recycling system and the domestic waste classification collection and transportation system, and strive for each waste classification and recycling demonstration site to have renewable resource recycling enterprises to recycle in time.

At the same time, a number of "short-board" sanitation infrastructure projects are also being promoted. As soon as the end of this year, Xiajiaba large-scale garbage secondary transfer station in Yubei District will be put into use. By then, the total transfer scale of the three major domestic garbage secondary transfer stations in the main city (the other two are Zouma in Jiulongpo District and Jieshi in Banan District) can reach 9,600 tons/day. Our city is building the largest and most comprehensive waste sorting and utilization industrial park in Yubei — — Luoqi Vein Industrial Park, covering an area of about 5,000 mu, can treat kitchen waste, fruit and vegetable waste, building waste and general industrial waste at the same time after it is put into use in 2020.

How to push experts to make suggestions on garbage classification

Zhu Dajian, Director of Institute of Sustainable Development and Management, Tongji University:

In the past, garbage sorting was often carried out by the sanitation department alone, but now it needs to be coordinated. The responsibility of individuals and units should be clarified through legislation, and the garbage classification should be changed from government solo to social chorus.

Fu Yuechao, researcher of Chongqing Municipal Government Development Research Center:

Without a prosperous industrial ecology of garbage sorting, it is difficult for garbage sorting to become a reality from ideas, regulations and requirements. We should fully consider the reality of garbage collection and transportation in China and build an industrial chain from classified delivery to collection, transportation, disposal and use, and policy support should cover the whole industrial chain. For example, cities such as Nanjing subsidize the recycling of low-value waste such as glass, and Chongqing should speed up the introduction of policies to subsidize the recycling of low-value waste.

Professor Liu Guotao, School of Urban Construction and Environmental Engineering, Chongqing University:

Many people think that garbage sorting is low in science and technology, which is a misunderstanding. Big data and Internet of Things technologies can be applied to the field of garbage classification. Enterprises’ participation in waste sorting may not be profitable in the short term, which requires the government to provide supporting policies to encourage enterprises to apply scientific and technological achievements to waste sorting.

It should be noted that garbage sorting should also be promoted from the source. At present, Shenzhen encourages enterprises to simplify the packaging of goods and raise the threshold for disposable goods to enter the market. These practices are worth learning from Chongqing.

Reporter’s Notes "

Fight the "tough battle" of garbage sorting

Liao Xuemei Cui Yao

Garbage classification is the embodiment of a city’s civilization. After the early promotion pilot, many citizens realized the importance of garbage sorting. The reporter believes that garbage sorting is not only a protracted war, but also a tough battle, and we must not take it lightly.

Practice has proved that it takes time to change residents’ consciousness and living habits. From the experience of Japan and Taiwan Province, it will take about 20 years to reach the consensus of more than 90% people on garbage classification. Only by publicizing the knowledge of garbage classification in schools and units in a down-to-earth manner and doing a good job in the pilot of each street and each community can the trickle flow into the sea.

Winning the tough battle of garbage sorting requires the joint efforts of the government, enterprises and citizens. First of all, citizens should establish a sense of classification, and let garbage classification education enter the campus and the community, and cultivate all parties to develop the habit of garbage classification; Secondly, the government should actively explore ways to use the government to purchase services, give preferential treatment to taxes and fees, give priority to purchasing recycled products, and introduce social capital and strength to actively participate; In addition, it is necessary to establish a long-term mechanism for garbage classification through legislation and compulsory means. In this way, the idea that garbage classification is a new fashion can be deeply rooted in people’s hearts, and more enterprises can join the craze of garbage disposal.

A few days ago, we obtained a set of latest road test spy photos of the new Tesla from overseas media. As a modified model, the new car is expected to be upgraded mainly for the design of exterior interior, but it is expected to be equipped with a large battery pack of 95kWh, and its cruising range may exceed 800km.

In terms of appearance, combined with the spy photos previously exposed, the new car will adopt an updated design similar to the new one. The front face is divided into a more angular closed low wind resistance design, and equipped with a new LED headlight group with a long and narrow shape, which is more aggressive in style. The side of the car body is basically unchanged, and it is still a crossover coupe SUV with a sliding roof.

The overall outline of the rear part will not change, but a brand-new through taillight group will be adopted, and the light source of the middle light belt will be diffuse reflection, which is very recognizable. In terms of interiors, the new car is also in line with the new Model 3.

The overall design style is more simple. The center console is equipped with an integrated turn signal button, and the rear gear mechanism is cancelled, and the middle floating central control large screen is used for gear shifting.

In addition, the surrounding atmosphere lights and carbon fiber decorative boards are added to the interior, which improves the sense of grade. In terms of power, the new car is expected to continue the current power configuration, but it does not rule out the introduction of a high-performance version with upgraded performance.

() The operating comments of the Board of Directors in 2023 are as follows:

　　I. The industry in which the company is located during the reporting period.

　　During the reporting period, the company mainly engaged in LED, semiconductor memory new generation information technology business, comprehensive energy service business and advertising media business, providing customers with customized and integrated solutions.

　　(a) the new generation of information technology business in the industry

　　1. LED industry

　　China has written its strong support for the development of the third-generation semiconductor industry into the Tenth Five-Year Plan. LED is an important industry field of the third-generation semiconductor and has been widely used in many application scenarios such as lighting, backlight and display. 2023 is a year in which challenges and opportunities coexist: the downward pressure on the global economy has not diminished, the impact of global public health events has weakened, the macro economy has gradually recovered, and the overall market is still full of vitality; New challenges, new opportunities, new technologies and new applications coexist, and the LED industry as a whole is under pressure to repair. During the reporting period, the concentration of packaging links continued to increase and the competition became increasingly fierce; The overall revenue of the packaging industry is under pressure, and the sub-sectors such as automotive electronics and MiniLED are growing rapidly; The demand recovery of overseas lighting market has accelerated and exports have accelerated; Domestic market segments such as municipal lighting, commercial lighting and educational lighting are picking up, driving the LED industry forward.

　　2. Semiconductor memory industry

　　The semiconductor memory industry naturally has a strong periodic property. Since the second half of 2022, the unbalanced state of oversupply in the storage market caused by sluggish terminal demand and high inventory of enterprises has led to the decline of NANDFlash and DRAM prices for four consecutive quarters from Q3 2022 to Q2 2023. During this period, the original storage factories started to reduce production and continued to reduce production, drastically reducing supply, trying to slow down the downward trend of prices and reduce inventory pressure; However, the production reduction effect has a time limit, and the continuous decline of this price has caused huge performance losses to the original storage factory, and the continuous decline will even affect the medium and long-term technology investment and capacity planning. As a result, under the change of strategy of giving up the market share and turning to restoring profitability as the primary goal, the original storage factory began to strongly increase the storage price from the third quarter of 2023. The storage market became a de facto low point in the second quarter of 2023. In the third quarter, the prices of some products diverged, and in the fourth quarter, the storage prices rose in an all-round way. In the second half of 2023, the storage price rebounded, breaking the downward trend since the third quarter of 2022, and the price returned to the upward track.

　　According to the data of CFM flash memory market, the global storage market scale decreased by 20%, increased by 9% and increased by 16% in the first quarter, the second quarter and the third quarter of 2023, respectively. It is expected to maintain the double-digit growth rate in the fourth quarter and resume the year-on-year growth, but the storage market scale in 2023 will still decrease by 38% to 86.8 billion US dollars year-on-year. In 2023, eSSD, with enterprise/server as the main application field, consumed about 29% of the global NANDFlash production capacity, Mobile products with smart phone applications as the main consumption capacity, and cSSD with PC applications as the main consumption capacity.

　　Affected by the continuous production reduction of the original factory, the rising wafer price, the month-on-month warming of the three major storage application markets of PC, mobile phone and server in the second half of 2023, and the acceleration of artificial intelligence, the income change of storage application manufacturers showed a trend of first restraining and then rising, and it became a low performance in the first quarter of 2023. Stimulated by the rebound of storage prices in the third quarter, the market demand for stocking increased rapidly, which led to the gradual increase of storage application manufacturers’ income and the rebound of operating profit margin.

　　(2) Comprehensive energy industry

　　In essence, comprehensive energy service is to change the previous mode of separate planning, design and operation of electricity, gas, cold and heat, and coordinate and optimize the distribution, conversion, storage and consumption of all kinds of energy in operation by means of information technology, intelligent technology and management improvement. Its core value lies in improving energy utilization efficiency and realizing energy conservation and emission reduction.

　　Energy conservation and emission reduction is an inevitable requirement to achieve the policy goal of "carbon neutrality". Under the background of "carbon neutrality" policy, the country has successively introduced the policy of "double control of energy consumption" in terms of total energy consumption and intensity, and gradually turned to the policy of "double control of carbon emission", further highlighting the value of energy-saving services. The development of energy-saving service industry promotes the demand for comprehensive energy services.

　　(3) Advertising media industry

　　In 2023, with the outbreak of AI big model, the rise of small program games and micro-short plays, China’s Internet advertising industry has significantly demonstrated the characteristics of diversification, innovation and intelligence. According to China Internet Advertising Data Report 2023, the scale of Internet advertising market in China is estimated to be 573.2 billion yuan in 2023, an increase of 12.66% compared with 2022, and the growth rate tends to be flat and the competition is intensified. With the further increase in the proportion of Internet advertisements, short video advertisements and effect advertisements, TV advertisements, long video advertisements and brand advertisements are on the decline, and TV advertisements and long video advertisement service providers are facing the challenges of shrinking market demand, fierce competition and transformation and upgrading.

　　

　　II. Main businesses of the Company during the reporting period

　　(A) a new generation of information technology services

　　1. LED business

　　The company is mainly engaged in the midstream packaging and downstream application business of the LED industry. It is a comprehensive provider and service provider of high-end LED light source device packaging, LED lighting application products and LED lighting engineering integrating R&D, design, production, sales and construction, providing customers with customized and integrated solutions.

　　The company’s LED light source device packaging mainly includes SMD, LAMP, IRM and large-size backlight products, which are widely used in consumer electronics, TV backlight, fire protection and security, automotive electronics and smart home. LED lighting products mainly include three-proof lamps, street lamps, industrial and mining lamps, panel lamps, lamp tubes and advertising identification modules, lamp strips, straight lamps, blackboard lamps and classroom lamps, which can be used in the fields of rail transit lighting, municipal lighting, sign lighting, commercial lighting and educational lighting.

　　2. Semiconductor memory service

　　The main body of the company’s semiconductor memory business is Wanrun Semiconductor, a holding subsidiary. During the reporting period, Wanrun Semiconductor mainly focused on the design, research and development and sales of semiconductor memory in accordance with the idea of R&D and sales first. Since its establishment, Wanrun Semiconductor has adhered to the market demand, and formed a product matrix with solid state disk (SSD) and embedded storage (eMMC) as the main forms, which can be applied to storage application scenarios such as consumer, industrial and enterprise.

　　During the reporting period, Wanrun Semiconductor mainly focused on the design, research and development and sales of semiconductor memories; Adhere to market demand guidance, conduct product design, R&D and material selection through research and testing of storage medium characteristics, development of storage application technology, etc. According to different market demands, purchase wafers or chips, master control chips and other main and auxiliary materials from suppliers, entrust packaging, testing and other links, and then sell them to domestic and foreign customers through direct sales or distribution. Under the distribution mode, it is buyout sales. In order to cultivate the core competitiveness of testing technology, the company invested in the construction of R&D testing line to conduct automatic testing of solid state hard disk (SSD).

　　(2) Comprehensive energy business

　　The company’s comprehensive energy business mainly focuses on cultivating comprehensive energy services such as public buildings and industries, and new energy services such as distributed photovoltaic and wind power.

　　(3) Advertising media business

　　The company is mainly engaged in TV advertising content marketing and Internet digital marketing advertising media business, and the implementation subjects are mainly wholly-owned subsidiaries Xinli Media and Billion Wireless.

　　

　　Third, the core competitiveness analysis

　　1. Advantages of State-owned mixed ownership listed companies

　　The controlling shareholder of the company is Changjiang Industry Group, and the actual controller is the State-owned Assets Supervision and Administration Commission of Hubei Province. Changjiang Industry Group focuses on the national strategy and the construction of modern industrial clusters in Hubei Province, and performs the functions of investment operation subject of provincial strategic emerging industries and investment management subject of provincial industrial investment funds, focusing on building six major industrial sectors, including information technology, biomedicine, modern chemicals, automobiles and parts.

　　As a mixed-ownership listed company controlled by the State-owned Assets Supervision and Administration Commission of Hubei Province and controlled by Changjiang Industry Group, the resource advantages of Changjiang Industry Group in the field of industry and funds will empower and help the company to extend the chain and strengthen the chain, and make it bigger and stronger.

　　2. Technical advantages and qualification advantages

　　Companies adhere to the supremacy of technology, technology is paramount, and constantly pursue technological innovation and progress. During the reporting period, the company established a multi-level scientific and technological innovation management system by selecting and appointing the "Vice President of Science and Technology", introducing the "Chief Engineer" and establishing the "Science and Technology Innovation Department" to enhance its scientific and technological innovation capability and technical strength.

　　During the reporting period, Hengrun Optoelectronics obtained the re-examination of the certificate of high-tech enterprise, was rated as a specialized and innovative small and medium-sized enterprise in Guangdong Province, and was recognized by Dongguan Intelligent Vehicle Internal and External Display and Lighting Engineering Technology Research Center; The qualification certification of light source and lighting products has been strengthened, and some products have passed LM-80, AEC-Q102 or CE, ENEC, CCCF and other certifications. Obtained a number of utility model and design patents; Develop products such as automotive electronic interior lights, infrared invisible light, POBMiniLED and rail transit lighting, enrich product matrix and improve product competitiveness. Rishi Optoelectronics obtained the re-examination of high-tech enterprises and was awarded as a specialized and innovative small and medium-sized enterprise in Shenzhen; Improve the market access qualification of educational lighting products, and the blackboard lamp and classroom lamp series products have passed the standard test; Obtained an American invention patent and a number of utility model and design patents; Actively participate in the formulation of industry standards, and it is an outstanding unit in drafting the White Paper on Education Lighting Industry in China in 2022 and the Group Standard for Energy Efficiency Rating in LED strip. Zhongzhu Tianyou and Wanrun Wisdom were rated as specialized and special new SMEs.

　　The company’s TV advertising business has always been the core agent and deep partner of Zhejiang Satellite TV and Hunan Satellite TV, providing advertising services for advertisers in popular variety shows; Mobile Internet advertising media business has achieved mainstream channel coverage, and it is an important partner of today’s headline, huge amount of Sichuan, Guangdiantong, Interesting Headline, Aauto Quicker, bilibili and other channels. During the reporting period, the company improved the precision delivery and marketing effect and enhanced its core competitiveness by increasing the investment in content creativity and material production, and strengthening the digital and intelligent technology delivery and operation capabilities. During the reporting period, Billion Wireless became the highest A1 agent in today’s headline industry. It was listed in the Qingyun Cup-South China Championship with its "optimized service power", and was successfully selected into the "China Digital Marketing Ecology Map (2023 Edition)" with three major tracks: media agency, creative agency and case agent, and won the 10th TMA mobile marketing award-influence service provider.

　　3. Advantages of industrial chain synergy.

　　The LED business of the company has now formed a collaborative layout of the middle and lower reaches industrial chain integrating packaging, lighting, contract energy management, landscape lighting design and construction. The LED lighting lamps produced by Hengrun Optoelectronics and Rishang Optoelectronics can be combined with the comprehensive energy-saving service of Wanrun New Energy, and applied to the landscape lighting and lighting project of Zhongzhou Tianyou, which has good synergy advantages in cost, delivery, quality assurance and customer service. Hengrun Optoelectronic Co., Ltd. and Sunrise Optoelectronic Co., Ltd. can provide a full range of products for rail transit lighting projects, from station halls to inspection pits, from advertising light boxes to guiding signs, and provide customers with a complete set of solutions.

　　4. Brand and customer advantages

　　After 20 years of development and accumulation, the company has formed a unique brand of LED packaging and lighting application, and its products have been welcomed by the high-end market in terms of technology, quality and customer service. The company has a high brand awareness in the fields of 3C electronic display instructions, TV backlighting, smart home, fire protection and rail transit lighting, advertising logo lighting, etc. It is in the first echelon of the industry, and its customers are mainly listed companies or their subsidiaries, large enterprise groups, brand enterprises, specialized and innovative industries.

　　The company has been an in-depth partner of mainstream TV media such as Zhejiang Satellite TV and Hunan Satellite TV for many years, providing TV advertising content marketing services for advertisers of automobiles, household appliances and consumers, and its main customers include (), () and (). The company’s Internet advertising and marketing services mainly focus on the industry’s head customers in the fields of Internet services and online social interaction. With good brand and operation ability, the company deepened cooperation with the media, obtained credit from the media, and reduced financial pressure.

　　

　　Fourth, the main business analysis

　　1. Overview

　　According to the company’s strategic plan for 2022-2025, the key operations in 2023 are as follows:

　　First, implement the main strategy of the new generation of information technology and consolidate the main business:

　　(1) LED business:

　　During the reporting period, combined with the global macroeconomic and social environment and the development of LED industry in the middle and lower reaches, the company adhered to market demand guidance, dug deep into stock business and actively expanded incremental business, including:

　　1. LED light source device packaging field: adhere to the differentiated market segmentation strategy, actively optimize the customer and product structure, consolidate and dig deep into the LED component market such as consumer electronics, backlight, fire protection and security, smart home, dig deep into the incremental demand of old customers such as (), and actively expand new customers in the home appliance and office application market; Vigorously develop the LED automotive electronics market and achieve effective results. We won the bid for four projects: Hanwang, Wangwang, Tengshi and Destroyer, and newly developed a number of customers to achieve double growth in revenue and profit.

　　2. LED lighting application field: Deeply cultivate the rail transit lighting market, give full play to the advantages of "the first echelon", and win the bid for many projects such as Shenzhen Metro Line 11 and Chengdu Metro Line 30, so as to speed up the delivery of Suzhou Metro and Shenzhen Metro. On the basis of stable identification module, actively lay out strip lighting, increase product research and development, equipment automation and market investment, and realize rapid growth of strip lighting revenue; Make efforts to educate the lighting market, increase investment in product research and development, qualification certification and sales team building, and win the bid and deliver the educational lighting projects of many schools such as Sichuan and Hainan; Strengthen the construction of distribution channels at home and abroad, expand the market coverage, and increase the promotion of product business at home and abroad. It has successively appeared in the 15th Shanghai International Automobile Lamps and Vehicle Lighting Technology Exhibition, the 6th China China International Import Expo(CIIE), the 25th Hong Kong Autumn Lighting Exhibition and other large-scale exhibition activities, and actively went to Europe, America, Southeast Asia and other overseas countries or regions to conduct on-the-spot market research and visit customers.

　　3. LED lighting engineering field: Efforts have been made to develop LED lighting engineering business in relatively developed areas and cities and increase the collection of creditor’s rights. However, due to the macroeconomic environment, the progress of contracted projects, the landing of new projects and the collection of creditor’s rights are less than expected.

　　(2) Semiconductor memory business:

　　The main body of the company’s semiconductor memory business is Wanrun Semiconductor, a holding subsidiary. During the reporting period, Wanrun Semiconductor achieved an operating income of about 128 million yuan, and its main work is as follows:

　　1. Due to the recovery of the downstream application market demand and the reduction of the upstream wafer factory to accelerate the destocking of the industrial chain, the semiconductor memory industry gradually entered the upward cycle in the second half of 2023, and Wanrun Semiconductor seized the market opportunity and vigorously explored the market;

　　2. Strengthen the construction of talent team, introduce professional talent teams in R&D technology, supply chain development and market channels, implement the employee stock ownership plan, and stimulate the entrepreneurial motivation of the officers;

　　3. Intensify research and development, focusing on testing technology and gradually improving firmware technology; Building a research and development laboratory; In product research and development, it has the independent hardware design ability of storage module; In testing, the solid state hard disk (SSD) test line has been built, the internal test specifications of various storage products have been formulated, the development of automatic test equipment and mass production test software has been carried out, and the mass production aging tester and sample tester have been successfully developed; In the R&D test, research and develop flash memory chip test technology with Huazhong University of Science and Technology to create an independent and controllable flash memory particle screening technology; Since its establishment at the end of 2022, 39 new products have been developed, involving storage application scenarios such as consumer, industrial and enterprise. Some products have completed CE, FCC, RoHS certification or professional platform certification such as Loongson and Haiguang, and entered the stage of mass production sales or small batch trial production; Declare and obtain invention patents and software copyrights; Obtained ISO9001:2015 quality system certification;

　　4. Accelerate the channel construction. The company adopts the sales practice of semiconductor memory industry, sells to domestic and foreign customers such as China Mainland, Hong Kong, China, Taiwan Province and Japan through direct sales and distribution channels, and establishes partnerships with many distribution channels to accelerate market development;

　　5. Accelerate the brand building of MasonSemi: register the trademark of "Changjiang Wanrun"; By building websites and making product manuals to promote enterprises and products, by holding a sub-forum on the development of storage semiconductor industry in the Science and Technology Innovation Week of Changjiang Industry Group to release new products and technical cooperation, and by participating in large-scale activities such as the exhibition of domestic storage products in China International Import Expo(CIIE), Shanghai, the visibility and influence of Wanrun Semiconductor and its product brands will be improved.

　　The second is to implement the sub-strategy of comprehensive energy services and stabilize the chassis:

　　During the reporting period, the company successfully acquired 100% equity of Fuxin Kaidi New Energy Development Co., Ltd. and Heping Lukaidi New Energy Development Co., Ltd., and quickly cut into the new energy field of wind power; The completion of the () 5.99MW distributed photovoltaic project under the controlling shareholder has enhanced the company’s profitability, stabilized the company’s development chassis, and laid a solid foundation for the promotion of "main industry".

　　Third, promote the advertising media business to upgrade to integrated service providers and promote high-quality development:

　　First, shut down the advertising media business with losses and weak profitability in time to reduce costs and increase efficiency; The second is to increase investment in the production and intelligent operation of content materials, upgrade to comprehensive service providers of creative planning and technical operation, and improve the added value of services; Third, actively optimize the customer and product service structure, increase the development efforts of head customers, brand customers and direct sales customers, and improve the ability to resist risks and profitability; Fourth, constantly enrich the media channels, dig deep into the needs of customers for multimedia advertising, and improve customer stickiness.

　　Fourth, deepen the reform and improve the quality and efficiency of operation and management;

　　According to the action deployment requirements of "year of improving management efficiency" and "year of deepening reform", we have taken various measures to promote deepening reform by making a list of key tasks, organizing special seminars, and investigating and communicating with grass-roots units, and achieved remarkable results in operational management. First, strengthen business scheduling and empower subsidiaries to develop; Second, strengthen overall financing management, broaden financing channels and reduce financial expenses; The third is to fully launch the financial Kingdee system to improve financial management and control capabilities and work efficiency; The fourth is to establish and improve the innovation incentive mechanism to stimulate the entrepreneurial atmosphere of the officers.

　　Fifth, lose weight and keep fit, and achieve practical results in the disposal of assets:

　　Firmly implement the strategic plan, shut down and transfer the low-quality and inefficient subsidiaries, businesses and projects with small revenue scale, long-term losses and lack of development prospects, further improve the efficiency of asset allocation, and achieve slimming and fitness, reducing burdens and increasing efficiency. First, shut down the loss-making advertising media business in time to reduce expenses; The second is to transfer the comprehensive energy subsidiary whose development is restricted to realize efficiency improvement and capital recovery; The third is to actively revitalize idle real estate to generate income and increase efficiency.

　　Sixth, strengthen the responsibility to ensure a stable and orderly production safety;

　　In strict accordance with the principle of "safety must be managed in the industry, safety must be managed in the business and safety must be managed in the production and operation", the company will do the work of safety production in detail, and the overall safety situation of the company in 2023 will be stable and orderly.

　　

　　V. Prospect of the Company’s Future Development

　　(A) the industry pattern and trends

　　1. Semiconductor memory industry

　　Integrated circuit industry is one of the basic and core industries of modern information industry. Semiconductor storage is an important branch of integrated circuit industry, which is widely used in artificial intelligence, cloud computing, automotive electronics, industrial control, data center, consumer electronics and other fields. The downstream application scenarios of industrial chain are rich and the market demand is broad. According to the forecast of CFM flash memory market, on the basis of improved demand and price recovery, the global storage market will rebound strongly by 48% in 2024, returning to the level of 2020 (US$ 128 billion). Among them, the growth rate of DRAM will exceed that of NANDFlash, which will drive the growth of the whole market.

　　With the accelerated evolution of the world’s unprecedented great changes in the past century, the central government and the Hubei provincial government have paid more and more attention to the development of the integrated circuit industry, and have launched a series of industrial support policies to achieve independent security and controllability. Among them, the Ministry of Industry and Information Technology and other six departments jointly issued the Action Plan for High-quality Development of Computing Infrastructure, encouraging the use of independent storage devices in key information infrastructures, and promoting the localization application of key storage components through all-flash storage machines; The Hubei Provincial Government issued the Action Plan for Accelerating the Construction of "Optical Valley of the World", proposing to develop memory chips with the focus on national memory bases, accelerate the domestic substitution process of key equipment, basic raw materials and core components, and gradually establish an independent and controllable industrial chain and supply chain system to promote the overall improvement of domestic semiconductor manufacturing level and accelerate the construction of "World Storage Capital". The domestic semiconductor memory industry will usher in great development opportunities, and domestic semiconductor memory manufacturers will have broad growth space.

　　2. LED industry

　　According to TrendForce Jibang Consulting’s "2024 Global LED Lighting Market Analysis -1H24", it is predicted that in 2024, 5.788 billion LED light sources and lamps will be retired after reaching the service life limit, which will bring considerable demand for secondary replacement. It is estimated that the global LED lighting market is expected to grow by 4% to 60.9 billion US dollars in 2024. As the largest producer and exporter of global LED industry, there will be many opportunities in China’s LED lighting market. In addition, at present, the overall development of LED industry has entered a critical period of phased transformation, and leading enterprises in the industry continue to increase investment in research and development of new technologies and new products to seize emerging and fast-growing markets. With the development of LED technology and the improvement of technical performance, energy efficiency ratio and cost performance of LED products, LED application scenarios are constantly expanding, and the market segments such as automotive LED electronics, infrared invisible light and MiniLED will accelerate their growth, and the product penetration rate is expected to continue to increase, providing more development opportunities for the industry.

　　3. Comprehensive energy industry

　　The energy-saving and environmental protection industry has been recognized as a strategic emerging industry by the state. There are a large number of energy-saving needs in manufacturing, smelting, petrochemical and other industrial enterprises, and there is also a large space for energy-saving transformation in public institutions such as the government and buildings and facilities in commercial or civil fields.

　　At present, comprehensive energy services are still in the initial stage in China. With the change of economic situation and the expansion of service targets, the demand for comprehensive energy services will be more and more extensive, and the market potential will be gradually released.

　　4. Advertising media industry

　　Science and technology development and data drive are two carriages that drive the development of digital marketing industry. With the continuous development of artificial intelligence, big data, Internet of Things and other technologies, the advertising industry will be further digitized and intelligent, and artificial intelligence, big data and other technologies will be used to improve the advertising effect and delivery accuracy. At the same time, influenced by the new model, new ecological development and changes in consumer behavior, the advertising industry will show the development trend of cross-border integration and integrated marketing.

　　(II) Company development strategy

　　The company will firmly implement the "14th Five-Year Plan" development strategy, vigorously develop a new generation of information technology "main industry" with LED and storage semiconductor electronics industries as the core, cultivate and develop a "subsidiary industry" of comprehensive energy services, build a new development pattern of "one master and one deputy" representing new quality productivity, adhere to the basic policy of making excellent stocks and expanding increments, and coordinate and integrate through "one investment, two turns to three development", two-wheel drive of industry and capital, and resource sharing. Realize the kinetic energy conversion and high-quality development of old and new industries, enhance core competitiveness, expand income scale and improve profitability, so that the company will become a new generation of scientific and innovative listed companies with industry influence in the field of information technology.

　　(3) Main business plan

　　1. Adhere to strategic focus and strengthen investment in mergers and acquisitions.

　　In 2024, the company will maintain strategic strength, adhere to strategic focus, and strengthen investment and mergers and acquisitions in the field of new quality productivity of LED automotive electronics and semiconductor memory. The company will actively tap resources such as Wanrun Technology and the controlling shareholder system, the Yangtze River Economic Belt, Guangdong-Hong Kong-Macao Greater Bay Area and so on through two junior college classes of LED automotive electronics and semiconductor memory, give full play to the platform role of Hubei state-owned holding and market-oriented listed companies, and realize the extension of LED and semiconductor memory main industries through endogenous investment and/or outreach mergers and acquisitions, make them bigger and stronger, realize the transformation and upgrading to a new generation of information technology main industries, and effectively promote the strategic planning.

　　2. Insist on promoting stability by making progress, and strive for development after establishing first.

　　In 2024, the company will speed up the adjustment of business structure and enhance profitability by striving for progress in stability, promoting stability in progress, advancing with multiple heads, and breaking first.

　　(1) Deeply cultivate LED market segments and make LED business bigger and stronger.

　　LED light source device packaging field: adhere to the strategy of mid-to-high-end, differentiated market segmentation, and on the basis of consolidating the first echelon of 3C market, first, increase investment in automotive electronic product lines and related supporting facilities, establish industry-leading automotive electronic product production lines and management systems, and achieve breakthrough growth in automotive electronic product revenue; The second is to dig deep into the infrared invisible light market, focus on the fire security and smart home market, and open up more new application fields at the same time; Third, actively expand new mid-to high-end market segments and accelerate the development and mass production of new products such as POBMiniLED and equipment visual inspection.

　　LED lighting application fields: First, strengthen the construction of domestic and foreign brands and marketing channels, explore the "Belt and Road" market through going out and bringing in, expand the sales scale, especially the ODM channel, focus on developing large customers and industry-leading customers, and improve market coverage; Second, focus on 3C electronics, robots, elevators, automotive electronics and other high value-added applications in the fields of sign lighting and linear lighting, and focus on developing large-scale projects to provide customers with mid-to-high-end, customized integrated solutions to enhance profitability; The third is to upgrade and improve the qualification of educational lighting, optimize and enrich eye protection lighting products such as classroom lights and blackboard lights, enhance the market competitiveness of products and expand the business scale; Explore the application markets of municipal lighting, educational lighting and rail transit lighting within the controlling shareholder system and in Hubei, give play to the synergistic integration effect, and expand the market share in Hubei.

　　LED lighting engineering field: Give full play to the advantages of lighting engineering, take Guangdong-Hong Kong-Macao Greater Bay Area, Chengdu-Chongqing Economic Circle and Central China as key areas for business development, and focus on and tap the lighting update needs of cities and cultural tourism involved in major events such as the 2025 Bay National Games; Actively expand professional lighting and intelligent lighting engineering business; Tap the market demand and project resources within the controlling shareholder system and Hubei area, give play to the synergistic integration effect, and expand the lighting engineering and electromechanical engineering business.

　　(2) Accelerate the layout of semiconductor memory business and cultivate performance growth points.

　　Improve product layout and enrich product matrix: focus on providing high-quality storage solutions, promote the update iteration of original flash memory consumer products, and improve product competitiveness; Accelerate the design, development, testing and certification of industrial, enterprise and vehicle code products of flash memory, expand application scenarios and enrich product matrix; At the same time, adhere to market demand guidance, make full use of channels and technical resources, add DRAM business, and cultivate new growth points.

　　Strengthen brand and channel construction: establish a brand planning department, promote the construction of Yangtze River Wanrun Semiconductor’s own brand and channel by increasing the construction of direct sales and distributors, expanding the independent seaport, and () linkage, increase the market development of products and increase the market share.

　　Strengthen R&D technical ability and cultivate core competitiveness: build core testing technology and promote the construction of high-reliability flash memory laboratory; Continue to promote flash memory characteristics research and particle testing projects, focusing on sub-projects such as memory simulation software development and memory protocol tester development; Accelerate the introduction of mass production of self-developed test equipment; Increase investment in R&D of vehicle regulation products; Strengthen the declaration of intellectual property and high-tech enterprises.

　　(3) tap the potential of existing projects and increase the development of comprehensive energy business.

　　By establishing and perfecting the system, improving the process and emergency solutions, we will do a good job in diagnosis and investigation in time, improve the operation and management capabilities of existing wind power and photovoltaic projects, reduce production and operation costs, and improve production efficiency and benefits; Increase the development and collaborative integration of comprehensive energy services such as public buildings and industries within Wanrun Technology and the controlling shareholder system.

　　(4) The advertising media business keeps the stock stable and improves the quality.

　　First, steadily promote the cooperation of stock head customers such as Dongyangguang, Xilinmen and () in Hunan Satellite TV, Zhejiang Satellite TV and other TV platforms and mobile Internet media platforms, and dig deep into the multimedia advertising demand of stock customers; The second is to further improve the matching degree between media resources and customer needs, and improve customer satisfaction and stickiness around new head channels such as Youku and iQiyi. The third is to continuously improve the content creative planning and technical operation capabilities, and improve the service effect and added value; Fourth, strengthen risk prevention and control in the whole process of business, and do a good job in credit management and debt collection management.

　　3. Strengthen the collection of creditor’s rights, and compact the responsibility to control risks.

　　First, strengthen the efforts to collect overdue creditor’s rights: classify overdue creditor’s rights in detail, manage the overdue creditor’s rights by one enterprise, one policy and one list, compact the responsibility to individuals, and adopt the method of promoting talks by fighting and combining talks with fighting to fully collect debts and reduce risks; Second, do a good job in the management of accounts receivable: strengthen the early warning before maturity, grasp the rhythm of payment, shorten the account period, collect more early, and strictly control the incremental overdue risk; The third is to strengthen incentives and constraints. By strengthening the responsibility of creditor’s rights collection, the effect of creditor’s rights collection will be linked to the management assessment of subsidiaries, and the responsibility of each collection subject will be further compacted to complete the annual collection task.

　　4. Strengthen scientific research and innovation, and work hard to add vitality.

　　Establish and improve the system and mechanism of scientific and technological innovation, focus on strengthening the scientific and technological innovation of new productivity in the fields of LED and semiconductor memory, increase investment in research and development, strengthen the declaration of intellectual property rights, and stimulate the vitality of high-quality development. In the field of LED light source devices, we will focus on the development of LED automotive electronic interior and exterior decoration display instructions and lighting, POBMiniLED and infrared invisible light products; LED lighting application field, focusing on mainstream lighting products, in-depth development in smarter, healthier and more environmentally friendly fields; In the field of semiconductor memory, we will build core competitiveness such as hardware design capability, flash memory chip testing capability and intelligent mass production testing technology, strengthen cooperation with Industry-University-Research, accelerate the transformation of scientific and technological achievements, and become a scientific and innovative listed company with industry influence.

　　5. Enhance coordinated development and promote integration through up-and-down linkage.

　　Focusing on the development strategy and business resources of controlling shareholders, we will accelerate the coordinated development of related industries with controlling shareholders. First, strengthen the functions of the second headquarters in Wuhan, gradually transfer some headquarters management functions to the Wuhan office center, and strengthen communication and linkage within the system; The second is to strengthen the coordinated development of industries, strengthen the docking with resources in Hubei Province, deepen the cooperation with enterprises in the controlling shareholder system in the fields of LED, semiconductor memory, comprehensive energy and automotive electronics, and increase revenue and efficiency through collaborative integration; The third is to promote the interaction between industry and finance, strengthen cooperation with fund companies and investment companies within the controlling shareholder system, and help the development of real industries with industrial investment.

　　6. Deepen fine management and take measures to increase benefits.

　　Firmly establish the "benefit-centered" business philosophy, adhere to the simultaneous promotion of tapping potential and increasing efficiency, increasing revenue and reducing expenditure, and comprehensively improve operational efficiency and quality. First, strengthen operation scheduling: take solving practical problems as the guide, improve the operation scheduling mechanism, find and solve problems in time through on-site coordination and regular supervision, and fully empower subsidiaries; The second is to optimize the control process and establish a hierarchical and classified "one enterprise, one policy" control list to improve the control efficiency; Third, comprehensively strengthen cost control, improve the cost control system, strengthen budget cost control, set the total limit and single limit of cost control, strictly control expenses and unnecessary expenses, and explore the incentive mechanism of cost reduction.

　　7. Adhere to compliance management, prevent risks and build safety.

　　First, improve the risk control system, improve the business risk control mechanism and process, resolve the stock risk and strictly control the incremental risk; Second, strengthen fund management, do a good job in fund scheduling and long-term and short-term fund use planning, expand financing channels and reduce the cost of funds; The third is to strengthen safety management, do a good job in safety production strictly from reality to detail, and build a safe defense line; The fourth is to improve the institutional process system to ensure that there are systems to follow, operate according to processes, and operate in compliance.

　　(4) Possible risks and countermeasures

　　1. Supply chain risk and market competition risk brought about by changes in global macroeconomic and social situation.

　　With the global economic and trade frictions, geopolitical conflicts and other uncertainties and uncertainties in the global macroeconomic and social situation, the normal circulation of the supply chain of the semiconductor electronic industry chain faces certain risks, which may lead to unstable supply of raw materials and large price fluctuations, thus adversely affecting the development of China’s semiconductor industry. If the macroeconomic and social development is less than expected, it will further intensify the market competition in the LED industry, semiconductor memory industry and advertising media industry where the company is located, which may lead to a decline in gross profit margin.

　　The company will closely follow the changes in the supply chain of the global semiconductor electronics industry chain and take appropriate measures in a timely manner to reduce the risks in the supply chain of the industry chain; Focus on high-end differentiated segments, increase product research and development, improve the level of automation and intelligence, and enhance profitability; Strengthen brand and market channel construction and broaden business sources.

　　2. Risk of accounts receivable recovery

　　The customers of the company’s LED lighting projects are mainly government units and institutions. Due to the macroeconomic environment, there is a risk that some "old-fashioned" customers’ accounts receivable cannot be recovered, which is not conducive to the promotion of old projects and the undertaking of new projects, thus affecting their performance. The advertising media business is affected by industry policies and development, customer operating conditions, etc., and there may be risks that individual accounts receivable cannot be recovered on schedule, which will adversely affect performance.

　　The company will strengthen the collection of creditor’s rights, and control the risk of accounts receivable recovery by strengthening the collection, doing a good job in accounts receivable management and strengthening incentives and constraints.

　　3. The development of semiconductor memory business is less than expected.

　　The company has entered the field of storage semiconductors for a short time, and is still in the initial stage of capacity building of products, supply chains, channels and brands. In the course of operation, it may face a series of risks, such as industry development falling short of expectations, unstable supply of main raw materials and price fluctuations, supply chain development and integration, iteration of technological innovation and product upgrading, and brain drain. The company will give full play to the advantages of Hubei State-owned listed company with mixed ownership, located in Guangdong-Hong Kong-Macao Greater Bay Area, tilt its capital, policies, talents and other resources to Wanrun Semiconductor, and support it to effectively expand and strengthen its semiconductor memory business, making it a new generation of information technology main industry of the company.

　　4. Risk of exchange rate fluctuation

　　The company’s lighting business mainly focuses on overseas exports. At present, the RMB exchange rate is subject to a floating exchange rate system, and the company’s international business is settled in foreign currency. The price change of RMB to US dollars and other currencies may bring uncertain influence to the company’s product price competitiveness and income.

　　The company will pay close attention to the exchange rate changes, and reduce the adverse impact of exchange rate fluctuations on the company’s performance by improving product technology innovation and service level and reasonably controlling foreign exchange risk exposure.

　　5. Risk of policy change

　　New energy and comprehensive energy businesses such as wind power and photovoltaic are greatly influenced by industry policies, and the risk that the operating performance of this part of the company fluctuates greatly due to the adjustment and change of industry policies is not ruled out. The company will pay close attention to policy trends, adjust business strategies in a timely manner, cultivate business sectors with policy-oriented layout, and actively participate in the policy formulation process to strive for a favorable industry development environment.

　　6. Risk of impairment of goodwill

　　If the macro-economy and the development of the industry in which the company acquired the enterprise are still less than expected, the operating performance of the company acquired the enterprise may also be less than expected, which will lead to the risk of goodwill impairment and adversely affect the overall operating performance of the company.

　　The company will strengthen its operation and management, empower the development of acquired enterprises, and promote the expansion of its business scale and the improvement of its profitability through measures such as resource coordination, risk control and financial support.

　　Investors are requested to invest rationally and pay attention to risks.

At 9: 00 pm on July 29, 2018, in the courtyard of No.398 Mafangsi, Chaoyang District, Beijing, a man entered the Tianyikang pedicure shop with pornographic services. The store has online promotion and enterprise certification in 58 cities.

58 City, WeChat applet has become a channel for pornographic businesses to attract customers, authentication accounts can be bought for money, and pornographic service businesses have launched multiple platforms.

One-click booking of mobile APP, home-to-home services such as manicure and beauty, laundry and cooking, mobile phone repair and home appliance repair are becoming more and more popular and practical. This business model of online booking and offline experience has attracted many consumers. Health massage and SPA conditioning, which have always been called "the hardest hit area for pornographic services", have also entered the online and offline operation mode, and technicians can be booked to come to the door or to the store with one phone call. The Beijing News reporter’s investigation found that although the police have always maintained a high-pressure crackdown on pornography, some illegal health care and SPA shops secretly conduct pornographic transactions through online and offline modes in an attempt to escape the crackdown.

After opening the WeChat applet or 58 City, the promotion of many SPA merchants seems to be the same as the business introduction of regular clubs. However, after further contact, many merchants actively promote their "special services" in addition to providing regular massages, and even some stores directly recommend "Wan-style services". Through online contact and offline unannounced visits, the Beijing News reporter found that many pornographic dens in Beijing all used this business model to conduct "home-to-home" or "shop-to-shop" pornographic transactions, and the price of each transaction ranged from 800 yuan to 2,400 yuan.

58 merchants in the same city hide foreign female "technicians"

"Men’s private SPA, health massage, kidney care … professional techniques and thoughtful service, welcome to make an appointment by phone", which is not uncommon in 58 cities. Enter "SPA Health Care", and the system shows that there are 1668 businesses engaged in SPA services that can be contacted. But there is no more information except a short text introduction and a few pictures of female technicians.

"It looks the same, but the actual content is still different." One of the merchants told the reporter that every merchant has a phone number, and he has to ask himself to know the service content inside. On July 22, the reporter randomly dialed a number of SPA merchants provided by 58 cities, among which three merchants made it clear that "female technicians" can provide pornographic services at will.

"Big job, one hour in 800 yuan; Small work, 30 minutes in 400 yuan. " At the other end of the phone, the woman who claimed to be "Sister Chen" said.

The reporter asked whether it was possible to provide on-site service, and the other party said that they could only go to the store. As for the specific location, "Sister Chen" only revealed that it was near Shuangjing subway station, "Call me when you arrive". Twenty minutes later, the reporter finally saw "Sister Chen" in a residential building in R&F City.

Although the information released by Sister Chen in the same city in 58 shows that she has passed the "enterprise certification", there is no trace of any storefront here. "The house is rented, 20,000 yuan per month." Sister Chen said. On the sofa in the living room, two women with little clothes are waiting to meet guests. "There are four of us, and one is ringing the clock." Sister Chen pointed to one of the rooms and said.

After introducing the service items in detail again in the room, Sister Chen began to urge the reporter to experience it and hinted that another guest had arrived. When the reporter said that there was no suitable candidate to leave, he saw a man waiting in the living room.

Another SPA merchant, also from 58 cities, is more cautious. Before and after the transaction, guests can only see the "technicians" who have sex with them.

On July 23, the reporter once again contacted a merchant who claimed to provide pornographic transactions through 58 cities. The other party said that it was inconvenient on the phone, and then added the reporter’s WeChat. On WeChat, the other party introduced that they have three stores, which are located in Jianguomen, Dongzhimen and Beishatan, and "all technicians are from abroad".

"Pick a good technician first, so I can arrange it for you." The other party sent personal introductions and prices of 10 "technicians" from different countries, once in 800 yuan. After selecting the technician, the other party gave a room number of an apartment in Dongzhimen. In this room, the reporter saw a female "technician" who claimed to be Russian. In the room, the reporter did not see anyone else.

The club recommended "Wan-style service"

In addition to the "scattered camp" mode of residential buildings or apartments, there are also SPA clubs in 58 cities to provide pornographic services.

Just after 9: 00 p.m. on July 20, at the entrance of No.398 courtyard of Mafang Temple, women with heavy make-up came by car and then walked into the courtyard. This is the common address of an apartment, a car sales company and an auto parts city. However, little known is that a club named "Tianyikang SPA" is also hiding in it. On the right side of the gate, on a piece of ordinary a4 paper, the unremarkable word "Tian Yikang" doesn’t seem to attract too much attention. Turn right at the gate, then turn left, and walk for about 5 minutes before you can find this club. "In the final analysis, it is still for safety." The club’s season manager told reporters.

The contact person of the club had previously told reporters that there are two kinds of pornographic services provided in the store, one is 40 minutes, 1000 yuan; One is 90 minutes, 1500 yuan, "all have big jobs, one-stop service."

After arriving at the store, manager Ji first produced a price list, which only included the price and introduction of foot bath, massage and other items.

"Is there no other service?"

"No more."

"Didn’t you say that there is a Wan-style service?"

"That’s all for now."

However, when the reporter told the name of the contact person and the quotation of the specific project on the 58 th floor where the association was located, the other party immediately changed its mouth: "I will arrange it for you right away." "For strangers, we generally don’t provide these items. If you hadn’t contacted at 58, we wouldn’t have picked them up. Recently, the investigation was strict." Manager Ji said with a smile in a low voice.

Subsequently, a person in charge who claimed to be surnamed Gu took the reporter to a room on the second floor. The room looks not much different from an ordinary hotel room, but the red gauze on the bed, the rotating laser lamp and the decoration of the semi-naked female image all reveal its special atmosphere.

After a while, the person in charge of Gu took a woman into the room and asked the reporter if he was satisfied. The technician also confirmed that he could provide pornographic services.

Another female technician in the store told reporters that the club named "Tianyikang SPA" has been open for about half a year, and the business has been good. There are six or seven women who provide pornographic services. They usually live in a dormitory building in the compound.

According to industrial and commercial information, the club is affiliated to Beijing Tianyikang Health Management Co., Ltd., and its legal representative is Ji Zhitong. It was established in December 2017 with a registered capital of 500,000 yuan.

58 enterprise certification account number: 20 yuan.

Regardless of whether there is a physical storefront or not, on the 58-city APP, the above-mentioned massage businesses involved in pornography all show "passed the enterprise certification", but no specific enterprise information can be seen.

"Although users can’t see it, we will review their corporate qualifications in the background. Only after the approval will it be marked as having passed the enterprise certification. "

On July 23, a staff member in charge of certification in 58 cities introduced that there are more than 1,000 spas or pedicure shops in Beijing in 58 cities. "Basically, they have passed the enterprise certification, which will increase the trust of users." The promotion price is divided into four grades, 4800, 5800, 6800 and 12800 yuan, with a minimum period of one year.

"The first few pages you found were promoted and the effect was very good. 200 items are pushed first, and 200 items are refreshed first. The number of stores ranked first is between 15 and 30 through 58 orders per day. " The above staff said.

Can unqualified businesses pass enterprise certification? The other party replied that the audit was very strict and this would not happen.

In 58 cities, there are four ways to pass enterprise certification, and a series of vouchers need to be uploaded. For example, online real-time authentication of enterprise legal person, authentication of corporate account, photo authentication of legal person’s identity document, etc., but the simplest authentication is ordinary business license, which only needs to upload the company’s business license and fill in the relevant information of the enterprise.

The reporter’s investigation found that many "number merchants" turned the enterprise certification of 58 cities into a kind of business, and 20 yuan could buy a 58 account that passed the enterprise certification.

Lynne (a pseudonym) is one of them. His business is divided into two types, selling 58 accounts that have passed the enterprise certification, each 20 yuan; Enterprise certification accounts in designated regions and industries, each in 60 yuan, should be made according to customer requirements.

The reporter bought three 20 yuan accounts at random, and after logging in normally, it was found that all three accounts had passed the enterprise certification. Lynne told reporters that the audit of 58 cities is not perfect, and the same company can also register multiple accounts. As for how these accounts passed the authentication, Lynne only revealed that "some technology is needed".

In addition to Lynne, entering "58 Enterprise Certification" can retrieve many "number merchants" engaged in the same business.

The small program "door-to-door SPA" hides pornographic services

In addition to 58 cities, there are also businesses that provide pornographic services in the name of "home SPA" on the WeChat applet.

Enter keywords such as "SPA" and "door-to-door" in the column of small programs, and you can see many related small programs. The reporter randomly opened a small program named "Massage SPA on the Upper Gate of Bali Island in Beijing". In the interface introduction, the price of the meridian SPA from 399 yuan to the personal tailor SPA of 1299 yuan varies, and the home page of the small program is marked with "door-to-door service" and the contact information of the customer service of the store.

After adding WeChat, the other party sent photos of a number of female technicians to the reporter to choose from. When the reporter directly asked if his shop had pornographic services, the other party said that "these technicians who sent photos to you only did small jobs, not big ones". Later, another photo was sent to the reporter, saying that the technician in the picture can do "big work" and the price is 1699 yuan.

The customer service staff clearly told him that there is no physical storefront in his home, and he only does on-site service, which is "safer". He also reminded that it is impossible to place an order directly in the WeChat applet. Then the reporter added their WeChat WeChat official account "Beijing Home Conditioning" according to its instructions, and then made an appointment for technicians to come to the house from WeChat official account.

The company behind "Beijing Home Conditioning" is called Beijing Yunfeifan Health Management Co., Ltd.. According to public information, the company’s business scope includes health management, health consultation, education consultation, organization of cultural and artistic exchange activities, conference services and so on.

Xiaoli, a technician of "Beijing Home Conditioning", told the reporter that after placing an order on the platform, users will share it with the store "46%", such as a single 500 yuan, they can get 300 yuan, and the other 200 is the draw of the store. However, if it is after meeting the guests, other newly added projects are simply the income of the technicians themselves.

Xiaoli told reporters that when she was on-site service, the small job was generally 698 yuan, and the middle job was 998 yuan.

"Pornographic health preservation" only does "home"

In another small program called "Beijing Men’s Health SPA", we can see that there are five services to choose from, and the price ranges from 298 yuan to 698 yuan. There are also the store’s mobile phone number and micro-signal on the page for diversion.

After the reporter added the other party’s micro-signal, the other party sent a price list to the reporter, and told the reporter that he could choose technicians online, and then sent nine photos of female technicians to the reporter for selection.

The other party told the reporter that the technology of the applet is not mature enough to place an order online. At present, it mainly plays the role of online promotion. Later, it sent the reporter a link in 58 cities for the reporter to place an order, and arranged for technicians to come to the door for service. The reporter noticed that in its 58-city link, the name of the store was "Bali Romantic Theme SPA Club".

In the WeChat chat, the merchant insisted that only regular SPA massage services were provided in the store. "Other projects need to be discussed with technicians." The reporter then made an appointment for a SPA massage in the store. When the technician came to the door, she said that she could also provide pornographic services, and the price ranged from 1,200 yuan to 2,000 yuan. The technician said that he worked part-time in the store and only provided on-site service. As for how to divide the charges with the store, the technician was very cautious and refused to disclose.

The reporter contacted the customer service of the store and said that he hoped to go to the store for consumption. The other party said that "the recent investigation was tight, and we didn’t do anything in the store. Many technicians went home on holiday and had to go to the door." Later, the other party told the reporter that his store was located next to Sihui subway station, but he refused to tell the specific location.

The reporter found out in his "Bali" applet that the actual name of the merchant is Beijing Miaoshou Liren Fitness and Leisure Center, and its business place is No.16, 2nd Floor, Jingbei Street, Jinding Town, Balizhuang Village, Gaobeidian Township, Chaoyang District, Beijing.

Subsequently, the reporter came to his business address, and he could see a broken signboard with the words "pedicure" on the registered address, but there was no store. The merchant next to him told the reporter that the pedicure store had been moved about half a year ago.

Enter keywords such as "applet" in Taobao, and you can see that many shops are selling applet authentication accounts, and the price ranges from tens to hundreds of yuan. One of the customers said that they sold small program accounts that had passed the enterprise certification for 300 yuan each. "These accounts are randomly obtained from different companies, and they are also randomly sent to you. If we need help to make the corresponding applet, we can do it." The other party said that if the simplest applet is needed, it usually takes five days from design to online, and the price depends on the customer’s requirements for the applet.

The reporter found that since the launch of the applet, some applets have been repeatedly exposed for selling fake goods and suspected pornographic services. In early February this year, the WeChat applet team responded that it has been cracking down on the exposed applets, such as "high imitation, fake goods", "pornography and vulgarity". Hundreds of pornographic applets have been permanently closed before, but some illegal applets have maliciously confronted the platform, for example.

The platform shall perform the duties of user’s real name registration and review.

In response to pornographic services, Pan Xiang, a partner of Guangdong Zhongan Law Firm and an arbitrator of Shenzhen Arbitration Commission, said that according to the Law on Public Security Administration Punishment, prostitutes and prostitutes are detained for more than 10 days and less than 15 days, and may be fined less than 5,000 yuan; If the circumstances are minor, they shall be detained for not more than five days or fined not more than five hundred yuan. Whoever soliciting prostitutes in public places shall be detained for not more than five days or fined not more than 500 yuan. According to the provisions of the Criminal Law, those who organize others to engage in prostitution shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years and fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated.

Illegal merchants launch pornographic services through 58 cities and WeChat network platforms. Does the platform need to be held responsible? Lawyer Pan believes that according to the provisions of the Cyber Security Law, online platforms should register users with their real names. That is to say, the backstage real name, the front desk is voluntary, and the front desk can use a virtual name. The online platform should fully implement the regulations on the registration of users’ real names, so that when users use the platform to publish illegal information about soliciting prostitutes, they will be afraid of the mouse, and the public security organs also have evidence to check.

If the network platform fails to perform the duty of reviewing the real-name registration of users, or the network platform knows or should know that users publish such illegal information on the platform, but the operator of the network platform fails to take timely measures to block and disconnect links, the network platform should bear corresponding legal responsibilities according to relevant laws and regulations.

　　Our reporter Li Muming

　　Compared with the "snarling" smog, ozone is much more "low-key" and quietly "hidden" in the clear sky of Wan Li, but it has become the culprit of atmospheric environmental pollution in many cities since it was included in the monitoring indicators in summer in recent years. Statistics of air quality in 74 cities across the country show that among all the days exceeding the standard in June 2015, the days with ozone as the primary pollutant were the most, exceeding the days with PM2.5 as the primary pollutant. In response, on July 23, Guangdong Province announced the air quality of urban environment in the second quarter of 2015, and ozone became the most common primary pollutant; According to media reports, ozone replaced PM2.5 as the primary air pollutant in nearly half of the pollution days in Beijing, Tianjin and Hebei from June to August.

　　Why is PM2.5, which is well known and concerned by the public, "surpassed" by ozone? What harm does ozone do to human body?　　　　　　　　　　　　　　　　

　　1. "Low-key" ozone is more terrible than PM2.5

　　Experts believe that the invisible pollution of ozone should not be underestimated, and comprehensive measures should be taken to prevent it, just like smog.

　　"In fact, ozone pollution has become a new environmental protection issue that plagues the whole country." Wang Yuesi, a researcher at the Institute of Atmospheric Physics, Chinese Academy of Sciences, said. At present, from a national perspective, there is one peak of ozone pollution in the north, while there are two peaks in the south every year. Even Xinjiang, Tibet and other regions are facing ozone pollution problems.

　　Compared with physical pollution such as black and smelly water pollution, yellow and black smoke pollution with pungent smell, and smog pollution mixed with fine particles, the public and even the environmental protection department have always taken colorless and odorless ozone pollution lightly.

　　But ozone is actually more terrible than PM2.5

　　Ozone can react with almost any biological tissue and is very destructive to the respiratory tract. According to the Canadian Center for Occupational Health and Safety (CCOHS), "ozone can irritate and damage the nasal mucosa and respiratory tract, which can cause chest tightness, cough, sore throat, asthma, aggravation of upper respiratory tract diseases, and may also lead to weakened lung function, emphysema and lung tissue damage, and these injuries are often irreparable." Therefore, for people with asthma, emphysema and chronic bronchitis, as long as they are exposed to low-concentration ozone, they may have obvious harm.

　　Similarly, ozone can also irritate the eyes, reducing visual sensitivity and vision. It will also destroy vitamin E in the skin and make the skin wrinkle and black spots. When the ozone concentration is above 200 μ g/m3, it will damage the central nervous system, causing headaches, chest pains and decreased thinking ability.

　　In addition, ozone will hinder the function of blood oxygen transmission, resulting in tissue hypoxia; Impairment of thyroid function and calcification of bones. Professor Paul Wentworth of Scripps Institute of Applied Science in the United States has done research and found that ozone can destroy the immune function of human body, induce chromosome aberration of lymphocytes, damage the activity of some enzymes and produce hemolytic reaction.

　　Even for plants, ozone is not a welcome good thing. Biologists from the University of Valencia, Spain, published a paper in 2006, suggesting that ozone will reduce the concentration of chlorophyll, carotenoids and carbohydrates in plants, which will affect photosynthesis and thus reduce the yield of crops.

　　2. The most dangerous population: pregnant women and children.

　　Because the proportion of ozone is about 1.66 times that of air, it often gathers in the lower space, so small children are the most direct victims.

　　Scientists in Southern California have conducted a five-year follow-up survey on 3,535 children aged 10 to 16, and found that in areas with high ozone concentration (the annual average concentration is between 112 and 138μg/m3), the incidence of asthma in children who often play three or four kinds of sports is twice as high as that in children who do not exercise. Especially, children with low birth weight or premature infants are more likely to be affected by ozone.

　　If the pregnant woman is exposed to ozone during pregnancy, the baby born may have congenital blepharoptosis (also called congenital microphthalmia, which is usually caused by the unsatisfactory development of fetal eyeball during the third month of pregnancy).

　　Another study called AHSMOG is aimed at adults. This study, which began in 1977, followed up 3091 adult non-smoking Americans aged 27-87 for 15 years. The results showed that men who were often exposed to ozone showed symptoms of lung damage. In addition, the incidence and mortality of lung cancer were closely related to long-term exposure to ozone.

　　3. The most dangerous place: the aircraft cabin.

　　Since ozone is so harmful, when is its high incidence?

　　According to the "State Key Laboratory of Organic Geochemistry" of Chinese Academy of Sciences, the timeliness and seasonality of ozone are obvious. The ozone concentration is very low in the early morning. After 8 o’clock, with more and more waste gas forming ozone and longer sunshine time, the ozone concentration gradually increases, reaching the peak between 14 o’clock and 16 o’clock, then slowly decreasing, and finally returning to the lowest state after 8 o’clock in the evening. During the year, the peak of ozone concentration is concentrated in summer. During this period, the formation of ozone can be described as "the right time, the right place and the right people": strong sunshine, less clouds and weak wind. This is the reason why people have throat, eyes and nose discomfort when they play when it seems sunny.

　　In terms of regional distribution, the ozone concentration in urban suburbs and scenic spots is often higher than that in the city center, especially when the suburbs are in the downwind of the city. In this regard, the experts’ explanation is that ozone is particularly lively and will continue to react with other pollutants after it is formed. Therefore, the increasing pollution discharge in the city center will temporarily "eat" ozone, turn it into other pollutants, and then drift to the suburbs with the wind and change it back into ozone. That is to say, even if the ozone concentration measured in the urban area is better than that in the suburbs, there is nothing to be proud of, which mostly shows that there are too many other pollutants in the urban area, which temporarily mutates the ozone.

　　The urban area is also polluted, and the scenic spots in the suburbs can’t escape. Where else can we stay? The advice of the World Health Organization (WHO) is: "Try not to expect to be outdoors when the ozone is high."

　　According to the test of the Environmental Protection Agency (EPA), the ozone concentration indoors is generally 50% lower than that outdoors. If the room is well sealed and air conditioning system is adopted, the ozone concentration will be even lower. However, sparks from motor operation, xerography and the working process of TV set will turn some oxygen in the air into ozone. Therefore, mechanical and electrical rooms, electrostatic copier rooms, computer rooms, etc. are all places with high ozone incidence, but attention should be paid to ventilation.

　　There is also an "indoor" where ozone is concentrated-the airplane cockpit. The ozone in the engine room mainly comes from the atmospheric environment, and the ozone layer is mainly distributed in the atmosphere at an altitude of 10 km to 50 km, while the flying height of civil aircraft is generally 7 km to 12 km.

　　Modern large passenger planes are equipped with ozone removal systems, but it is still impossible to kill them all. The Canadian side has tested that when the Boeing plane flies at an altitude of 11,895 meters, the external ozone concentration is 3.57mg/m3, and the ozone concentration in the aircraft cabin is 0.29mg/m3. According to a survey funded by the Federal Aviation Administration (FAA), the ozone content in the cockpit of Boeing 747, 727, 737, DC10 and DC9 is relatively high, and the ozone content in the cockpit of long-range aircraft is higher than that of short-haul aircraft. The leader of this survey is William nazarov, an environmental engineer at the University of California. He believes that the solution to the ozone problem in the cockpit is simple, that is, adding an ozone converter to the aircraft. "Unfortunately, not all airlines have this awareness, especially for old and small aircraft. Airlines are more concerned about flight safety."

　　4. How does ozone pollution come about?

　　Due to the increasingly obvious harm of ozone, the international safety standards for ozone are becoming stricter and stricter. The "maximum 8-hour daily average" of ozone stipulated by the European Union has dropped to 60nmol/mol (about 120 μ g/m3) in 2010, and the average number of days in a year cannot exceed this standard for more than 25 days. China’s newly revised Ambient Air Quality Standard in 2012 also added the ozone control standard: the daily maximum 8-hour average value is 100 μ g/m3 for Grade I and 160 μ g/m3 for Grade II.

　　However, it is impossible to assign a general safety value to everyone. "Personal physique, exercise frequency, time spent outdoors, and other pollutants in the air will all affect the harm degree of ozone, which is the headache for the research department." Professor Jerry Martin from the School of Public Health of the University of California explained, "More and more studies have proved that even if the ozone concentration is low, if the human body is exposed for a long time (6-8 hours), the harm will be equally serious. Moreover, ozone will also work in conjunction with other pollutants. For example, ozone will enhance the harm of PM (inhalable particulate matter) to the human body, and PM will also enhance the harm of ozone. "　　　　

　　"It is better to call it photochemical pollution than ozone pollution. Primary pollutants, such as volatile organic pollutants (VOCs) and nitrogen oxides (NOx), which are discharged into the atmosphere by pollution sources such as automobiles and factories, absorb the energy of sunlight under strong ultraviolet irradiation, so that the original chemical chain is destroyed and photochemical reactions occur, resulting in secondary pollutants such as ozone and peroxyacetyl nitrate (PAN). The mixture of primary pollutants and secondary pollutants involved in the photochemical reaction process is called photochemical smog. Ozone is the main component of photochemical smog. When people monitor these pollutants, ozone concentration is also the most important indicator. " China Meteorological Bureau introduced this in its official blog.

　　5. The governance is difficult, and the top-level design needs to be strengthened.

　　Ozone pollution is an international topic. After decades of treatment in Los Angeles, the situation has greatly improved, but ozone still exceeds the standard for several days every year. Different from the single ozone pollution in the United States, ozone and PM2.5 are intertwined and interact in China, and it is just starting, so it is more difficult to control.

　　At the same time, it is not easy to monitor ozone. Wen Yanping, director of Taiyuan Environmental Monitoring Center, said that volatile organic compounds are one of the important precursors of ozone. However, the monitoring work has just started, and its sources and emissions are still in the stage of research and analysis, investigation and research, and its control is also in a state of no standard in the country, immature technology and conscious enterprise.

　　In addition, ozone monitoring does not have standard gas like sulfur dioxide, so it can easily check the error of monitoring equipment, and it can only take the equipment to Shanghai and other cities to "test the equipment with equipment", which will affect the monitoring of ozone.

　　Comprehensive control measures of ozone pollution need further research and exploration. Wang Yuesi said that the formation mechanism of ozone is a nonlinear process. Precursors, such as volatile organic compounds (VOCs) and nitrogen oxides (NOx), which can promote ozone generation, must be treated first to control ozone. However, the atmospheric ozone concentration will be effectively reduced only if it is reduced in proportion, which is not easy to handle at present. If only one kind is reduced, it is possible that the ozone concentration will increase instead.

　　The Air Pollution Prevention Action Plan issued by the State Council in 2013 clearly stated that it is necessary to "strengthen the research on the formation mechanism, source analysis, migration law, monitoring and early warning of haze and ozone, and provide scientific support for pollution control". Experts in the industry believe that governments at all levels must attach great importance to ozone pollution, a new environmental protection topic, and should take comprehensive control measures on the basis of strengthening basic research and top-level design.

　　Environmental experts say that ozone prevention and control first needs top-level design. Chai Fahe, vice president of china environmental science Research Institute, and others believe that ozone precursors should be included in the national emission reduction targets, and a total control plan for volatile organic compounds and nitrogen oxides should be formulated. Chai Fahe said that ozone precursor is also a kind of precursor of PM2.5 secondary particles. Ozone and PM2.5 treatment should be combined, and comprehensive consideration should not be made. In addition, since ozone pollution is a photochemical pollution, the pollution is aggravated when the temperature is high, so ozone should also be considered when considering global warming.

　　Wang Yuesi also suggested the implementation of comprehensive regional management. Ozone precursors are highly mobile substances, and nitrogen oxides produced in one area may not be felt by local people, but float to other places to form ozone. The effect of ozone control in a single city will not be too obvious, and regional prevention and control mechanisms should be established in areas with serious ozone pollution such as five provinces in North China, Yangtze River Delta and Pearl River Delta.

　　Chai Fahe said that the proportion of ozone precursors is different in different places, and even in the same city, the proportion between urban and suburban areas is different. All localities should make clear the ozone formation mechanism in different places, and find out the specific proportion of ozone precursors and the location of emission sources through monitoring, so as to "prescribe the right medicine". And this work needs the cooperation of environmental protection departments and scientific research institutions.

　　Experts also believe that from the technical level, the focus of ozone precursor control should be on "vehicles, oil, roads and factories": improving automobile exhaust emission standards, improving automobile exhaust devices and reducing emissions; Improve fuel quality; At the same time, gradually switch buses and taxis to gas; Control traffic congestion; Eliminate backward production capacity and control nitrogen oxides and volatiles emitted by coal-fired power plants, cement, coatings, ink printing plants and other enterprises.

　　Top-level design doesn’t mean that it has nothing to do with the general public. Do a little thing that everyone can do to protect the health of themselves and their families. The development of human society will always rise in a spiral curve. As long as we don’t escape and give up, there are always more ways than problems.

　　◆ Small information

　　Ozone is just one word short of oxygen that sustains human life, and one more o, but it is the difference between graphite and diamond. Yes, these two groups of things, which are as different as heaven and earth, are allotropes, that is, simple substances made of the same single chemical element but with different properties.

　　Because there is one more oxygen atom than oxygen, ozone is more oxidizing than oxygen. What is oxidation? The cut apple will turn brown after a while because it is oxidized by oxygen in the air; The girls’ tender faces are getting older day by day, which is the result of her body oxidation. Ozone is more oxidizing than oxygen. To what extent? Have you smelled chlorine in tap water and swimming pool? That’s for disinfection. It needs to be disinfected with ozone, which is stronger than chlorine. Therefore, the upper floors of household disinfection cabinets are disinfected by ozone.

　　Walking on the busy streets, we sometimes feel that the air is light brown with a pungent smell, which is commonly called photochemical smog, and ozone is one of the most important components in it. There are a lot of nitrogen oxides and volatile organic compounds in automobile exhaust and factory smoke, which combine with oxygen in the air and form ozone under the catalysis of sunlight radiation and temperature.