Three insurances and one fund include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund, which are closely related to people’s lives, life security after retirement, reimbursement of medical expenses and satisfaction of housing demand. The following will introduce in detail the payment method and payment ratio of three insurances and one gold.

There are two main ways to pay three insurances and one gold: unit payment and individual payment. For on-the-job employees, three insurances and one gold are usually withheld and remitted by their units. Before the monthly salary is paid, the unit will deduct the personal contribution from the employee’s salary according to the regulations, and at the same time, the unit will also bear the corresponding contribution share and pay the money to the relevant departments in a unified manner. Taking employees of enterprises as an example, enterprises will transfer the three insurances and one gold fees payable by employees and enterprises to the accounts designated by social security agencies and housing provident fund management centers at a fixed time every month by means of bank transfer.

Flexible employees without fixed units, such as individual industrial and commercial households and freelancers, can also pay three insurances and one gold by themselves. They need to go to the local social security agency and the housing provident fund management center to apply for insurance and open an account. When handling, you need to bring your ID card, household registration book and other relevant information, fill in the application form, and choose the payment grade that suits you. Payment methods can be selected from bank withholding and online payment. For example, in some areas, it is convenient and fast to allow flexible employees to pay fees through mobile APP.

Regarding the proportion of payment, there are certain differences in different regions. The following are the approximate proportions in general:

For example, in a certain area, the pension insurance unit pays 16% and the individual pays 8%; Medical insurance units pay 8% and individuals pay 2%; Unemployment insurance units pay 0.7% and individuals pay 0.3%; The proportion of housing provident fund units and individuals is 8%. Assuming that the employee’s monthly salary is 5,000 yuan, then the employee pays 400 yuan (5,000× 8%) and 800 yuan (5,000× 16%) for the monthly pension insurance; Medical insurance individuals pay 100 yuan (5000×2%) and units pay 400 yuan (5000× 8%); Unemployment insurance individuals pay 15 yuan (5000×0.3%) and units pay 35 yuan (5000 × 0.7%); 400 yuan (5000×8%) shall be paid by individuals and units for housing provident fund.

It should be noted that all localities will adjust the payment ratio according to local economic development level, average social wage and other factors. Therefore, when paying three insurances and one gold, it is suggested to pay attention to the changes of local policies in time, or call the local social security hotline 12333 and the housing provident fund hotline 12329 for consultation to ensure accurate payment.

[Disclaimer] This article only represents the author’s own views and has nothing to do with Hexun. Hexun.com is neutral about the statements and opinions in this article, and does not provide any express or implied guarantee for the accuracy, reliability or completeness of the contents. Readers are requested for reference only, and please take full responsibility. Email: news_center@staff.hexun.com.

　　Xinhua News Agency, Beijing, December 25thTitle: From soil erosion area to green "cornucopia" — — Soil erosion control in the upper and middle reaches of the Yangtze River

　　Xinhua News Agency reporter Liu Shiping

　　The Yangtze River Water Resources Commission of the Ministry of Water Resources recently issued the Announcement on Soil and Water Conservation in the Yangtze River Basin (2020). The monitoring results show that in 2020, the area of soil erosion in the Yangtze River basin will be 337,000 square kilometers. This is nearly 200,000 square kilometers less than the 531,000 square kilometers of soil erosion in the late 1990s.

　　The reporter learned that soil erosion and its control in the Yangtze River basin are mainly concentrated in the upper and middle reaches. After treatment, the soil erosion area has not only been effectively curbed, but also turned into a green "cornucopia", becoming a green mountain and a Jinshan Yinshan.

　　Sichuan: the soil erosion area has become a "green and rich beauty" ecological area

　　Naxi District of Luzhou City is located on the bank of the Yangtze River, which is an important ecological barrier in the upper reaches of the Yangtze River. "In the past, the Qingxi River was like a stinking ditch, and the soil erosion in the Qingxi River basin was serious." Jiang Qiwu, director of the Naxi District Water Affairs Bureau, said that in recent years, the combination of governance and protection of the ecological environment has improved the water ecology and water environment.

　　The water environment has been improved after the regulation of Qingxi River small watershed in Naxi District of Luzhou City.

　　Changing from "stinking ditch" into Qingshui River and Huimin River is the effort of "seeing the big from the small" in Naxi District: "Small investment" to improve the "big environment", taking 30 million yuan of national special funds for soil and water conservation as a pry point, integrating agricultural funds and inciting social funds of 720 million yuan, realizing the improvement of water quality into the river from inferior V to III, and reducing soil loss by 75,000 tons every year; The "small watershed" has built a "great livelihood", the environment has improved, and tourism has started. At the same time, the implementation of watershed management land transfer and small-scale water storage projects has driven the per capita disposable income of farmers to increase substantially.

　　Jingyang District of Deyang City, taking the management of Huaixiang Valley small watershed as a breakthrough, through the comprehensive management of landscape Lintian Road Village, combined soil erosion control with the development of rural industry and the improvement of human settlement environment, drew a picture of Jingyang where people and water are in harmony, and successfully established the "National Soil and Water Conservation Demonstration Project" in December 2021.

　　A glimpse of Gaohuai Village after harnessing the small watershed of Huaixiang Valley in Jingyang District of Deyang City.

　　"All parts of Sichuan regard the prevention and control of soil erosion as the first move in the construction of ecological civilization, actively carry out small watershed management, implement key projects such as sloping farmland management, improve the ecological environment, and at the same time promote regional economic development and help rural revitalization." Gao Wei, director of the Water and Soil Conservation Division of the Sichuan Provincial Water Resources Department, said.

　　Statistics show that during the "Thirteenth Five-Year Plan" period, the cumulative area of soil erosion control in Sichuan Province was 24,600 square kilometers, and soil erosion in the areas with the most serious soil erosion, such as Jinsha River Basin, Minjiang River Basin and Jialing River Basin, was continuously improved.

　　Jiangxi: Red soil erosion area becomes green "cornucopia"

　　Walking into the Garden Village of Shangyou County, Ganzhou City, the village is beautiful and clean. Before 2013, it was still a serious soil erosion area.

　　What has changed the landscape here is the development of eco-clean small watershed construction. The Garden Village has explored the ways of "three simultaneous treatments" for mountain management, water control and pollution control, mountain management and water conservation, river dredging and water management, industrial water conservation, ecological water purification, and "five-water co-construction" for everyone in love the water. While managing mountains and rivers, Shangyou County was successfully awarded "National Model County for Soil and Water Conservation" in December 2021.

　　A glimpse of Garden Village in Shangyou County, Ganzhou City.

　　In the early 1980s, the area of soil erosion in Ganzhou accounted for 37% of the city’s mountainous area. After more than 30 years of comprehensive control, the area of soil erosion has decreased from 11,187 square kilometers in 1980 to 6,949 square kilometers in 2020, and ecological industries such as navel orange and leisure tourism in southern Jiangxi have flourished.

　　Changshui Village, Wuning County, Jiujiang City, in the north of Jiangxi Province, has achieved 95.2% soil erosion control and 96% forest and grass coverage through the simultaneous implementation of "mountain management, water management and pollution control" measures. In December 2021, the "National Demonstration Project of Soil and Water Conservation" was successfully established.

　　Ecological revetment engineering in soil erosion control in Wuning county.

　　Baoshan Village, De ‘an County, Jiujiang City, relied on antimony resources to develop the quarrying economy in the early 1980s. However, the industry is booming, but the environment is deteriorating.

　　Since 2010, Baoshan Village has closed factories and mines one after another to restore the mine ecology. Villagers have planted cash forest crops such as camellia oleifera and tea on barren hills, making them put on "green clothes" again, and the days of villagers who eat ecological rice are booming again.

　　According to the dynamic monitoring results of the Ministry of Water Resources in 2020, the area of soil erosion in Jiangxi Province has decreased from 46,200 square kilometers at the worst in the late 1980s to 23,600 square kilometers in 2020, and the proportion of soil erosion in the whole province’s land area has decreased from 27.65% to 14.14%.

　　"The comprehensive management of soil erosion in Jiangxi Province has effectively promoted ecological protection and rural revitalization." Hu Jianmin, director of the Water and Soil Conservation Department of Jiangxi Provincial Water Resources Department, said.

　　Yangtze river basin: comprehensive control of soil erosion continues to advance

　　Soil erosion in the Yangtze River basin is caused by complex geology and geomorphology, abundant rainfall and unreasonable human production activities, with a large amount and various types, mainly in the upper and middle reaches of the Yangtze River.

　　"After years of comprehensive management of soil erosion in small watersheds, the trend of soil erosion in the Yangtze River basin has undergone a historic turning point from increasing to decreasing." Zhang Guangfu, director of the Water and Soil Conservation Bureau of the Yangtze River Water Resources Commission of the Ministry of Water Resources, said.

　　Since the 18th National Congress of the Communist Party of China, the Yangtze River Basin has implemented key water and soil conservation projects, comprehensive soil and water loss control on sloping farmland, clean small watershed construction, rocky desertification control, returning farmland to forests and grasslands, high-standard farmland construction, comprehensive mine improvement and other water and soil conservation ecological construction projects, and the Yangtze River Basin has achieved a double decline in soil and water loss area and intensity grade.

　　The monitoring results show that the forest coverage rate in the upper reaches of the Yangtze River has reached 47.8% in 2020. The coverage rate of forest and grass vegetation in the Jialing River, the middle and lower reaches of Tuojiang River and the Three Gorges reservoir area in the Yangtze River basin has increased by about 30%, and the area of barren hills and slopes has decreased by 70%.

　　Ma Jianhua, director of the Yangtze River Water Conservancy Committee of the Ministry of Water Resources, said that there are still 220,000 square kilometers of soil erosion areas in the upper reaches of the Yangtze River that need to be treated urgently. With the economic and social development, it is urgent for soil and water conservation to meet the needs of high-quality development. The phenomenon of extensive soil erosion and serious local problems also exists in the middle reaches of the Yangtze River, and soil and water conservation has a long way to go.

　　It is understood that during the "Tenth Five-Year Plan" period, the Yangtze River Basin will build a complete soil erosion prevention and control system by promoting coordinated management, comprehensive management, systematic management and source management, and vigorously promote the soil and water conservation work in the upper and middle reaches of the Yangtze River to a new level.

　　In the new era, the mountains and rivers are picturesque and the tide is surging. We have experienced three major events of great practical significance and far-reaching historical significance for the cause of the Party and the people: first, we are welcoming the centenary of the founding of the Communist Party of China (CPC); second, Socialism with Chinese characteristics has entered a new era; third, we have completed the historical task of getting rid of poverty and building a well-off society in an all-round way, and achieved the goal of the first century. This is a historic victory won by the United struggle of the people of the Communist Party of China (CPC) and China, a historic victory that shines through the history of the development of the Chinese nation, and a historic victory that has a far-reaching impact on the world, and has written a splendid chapter of Socialism with Chinese characteristics in the new era.

　　The new journey, the people are heroic and have great prospects. The 20th National Congress of the Communist Party of China, held at the critical moment when the whole Party and the people of all ethnic groups have embarked on a new journey of building a socialist modern country in an all-round way and marched towards the goal of the second century, sounded the clarion call of the times for a new journey of endeavor. General Secretary of the Supreme Leader issued a great call to "compose a more splendid chapter of Socialism with Chinese characteristics in the new era" at the 20th Party Congress. What kind of more gorgeous badge is this? In the face of the stormy international environment and the arduous and arduous task of domestic reform, development and stability, can we write and how to write a more gorgeous chapter? To forge ahead in a new journey, we must grasp and answer these major questions well and create new great achievements with new great struggles.

　　The 20th National Congress of the Communist Party of China painted a magnificent picture of Socialism with Chinese characteristics in the new era.

　　Bear the eternal great cause in mind, and the centenary only ushers in the prime of life. The 20th National Congress of the Communist Party of China made a macro-prospect of the two-step strategic arrangement for building a socialist modernization power in an all-round way, further clarified the overall goal of China’s development by 2035, described the beautiful picture of achieving the goal of the second century, and focused on the strategic tasks and major initiatives for the next five years. This series of strategic arrangements, objectives and tasks have defined the timetable and road map for building a socialist modern power in an all-round way, and drawn a grand blueprint for building a socialist modern country in an all-round way and comprehensively promoting the great rejuvenation of the Chinese nation with Chinese modernization.

　　The five years from the 20th National Congress of the Communist Party of China is a crucial period for building a socialist modern country in an all-round way. The Party’s Report to the 20th CPC National Congress made arrangements for all aspects of work in all fields. These important arrangements cover various fields such as reform, development and stability, internal affairs, foreign affairs and national defense, and governing the party, country and army. They are an organic whole determined according to the "five in one" overall layout and the "four comprehensive" strategic layout, profoundly embody the China characteristics, essential requirements and major principles of Chinese modernization, and are action guides for leading and promoting the comprehensive construction of a socialist modernized country to make a good start. Closely contact the new strategic opportunities, new strategic tasks, new strategic stages, new strategic requirements and new strategic environment facing China’s development, and implement various strategic arrangements with creative work. It will promote new breakthroughs in China’s high-quality economic development, take new steps in reform and opening up, continuously develop people’s democracy throughout the process, improve Socialism with Chinese characteristics’s rule of law system, enrich people’s spiritual and cultural life, continuously enhance the cohesion of the Chinese nation and the influence of Chinese culture, make solid progress in the common prosperity of all people, achieve remarkable results in the construction of beautiful China, consolidate national security, and comprehensively and strictly manage the party in depth. By then, the living standards of our people will be further improved, the quality and quantity of China’s development will be further improved, and building a socialist modern country in an all-round way will have a more solid foundation and gain stronger kinetic energy.

　　The 20th National Congress of the Communist Party of China focused on continuously realizing people’s yearning for a better life, put forward new and higher requirements for the goals and tasks of China’s development in 2035, and further demonstrated the party’s initial mission and the superiority of the socialist system. By 2035, when socialist modernization is basically realized, China’s economic strength, scientific and technological strength and comprehensive national strength will greatly jump, and the per capita GDP will reach a new level and reach the level of moderately developed countries. In economic construction, we will achieve high-level scientific and technological self-reliance, build a strong country in science and technology, and enter the forefront of innovative countries; Build a modern economic system, form a new development pattern, and basically realize new industrialization, informationization, urbanization and agricultural modernization. In terms of political construction, we will basically modernize the national governance system and governance capacity, improve the people’s democratic system in the whole process, and basically build a country ruled by law, a government ruled by law and a society ruled by law. In terms of cultural construction, we will build a cultural power, the country’s cultural soft power will be significantly enhanced, and the influence of Chinese culture will be more extensive and in-depth. In terms of social construction, the people’s life in China will be happier and better, the per capita disposable income of residents will reach a new level, the proportion of middle-income groups will be significantly increased, basic public services will be equalized, rural areas will basically have modern living conditions, society will maintain long-term stability, and education, talent, sports and healthy China will be built, and more obvious substantive progress will be made in the all-round development of people and the common prosperity of all people. In the construction of ecological civilization, China will widely form a green production and lifestyle, and carbon emissions will stabilize and decline after reaching the peak.The ecological environment has basically improved, and the goal of a beautiful China has basically been achieved. In terms of overall development and security, China’s national security system and capabilities will be comprehensively strengthened, and national defense and military modernization will be basically realized. The long-term goal of socialist modernization is basically realized, which fully reflects that the new era is an era in which people of all ethnic groups in China unite and struggle, constantly create a better life, and gradually realize the common prosperity of all people.

　　According to the two-step strategic arrangement, from 2035 to the middle of this century, we will continue to struggle on the basis of basically realizing modernization, and by the centenary of the founding of New China, we will build China into a prosperous, strong, democratic, civilized, harmonious and beautiful socialist modernization power. By then, China’s material civilization, political civilization, spiritual civilization, social civilization and ecological civilization will be comprehensively improved, the national governance system and governance capacity will be modernized, and China will become a country with leading comprehensive national strength and international influence, and the common prosperity of all people will be basically realized. Our people will enjoy a happier and healthier life, and the Chinese nation will stand among the nations of the world with a more high-spirited attitude. With a history of more than 5,000 years of civilization, the Chinese nation is full of unprecedented vitality and will make new and greater contributions to all mankind.

　　In the new era, the magnificent prospect of Socialism with Chinese characteristics’s more splendid pageant has begun, and the new journey of building a strong country and national rejuvenation is encouraging and inspiring. Accomplishing the central task and implementing the two-step strategic arrangement, China’s population of more than 1.4 billion will step into a modern society as a whole, exceeding the total population of developed countries, which will completely rewrite the process, territory and situation of world modernization, expand the ways for developing countries to move toward modernization, make scientific socialism glow with new vitality in China in the 21st century, and write an unprecedented glorious chapter in the history of human development.

　　We have sufficient confidence to write a more splendid chapter of Socialism with Chinese characteristics in the new era.

　　In the new era, under the strong leadership of the CPC Central Committee with the Supreme Leader as the core and under the scientific guidance of Socialism with Chinese characteristics Thought of the Supreme Leader in the new era, we have made extraordinary achievements in stabilizing the economy, promoting development, fighting poverty, building a well-off society, controlling epidemics, resisting major disasters, coping with emergencies and turning crises into crises. Those world-famous human miracles, those indomitable struggles in spite of difficulties, and those tenacious struggles in spite of rain and shine are all engraved in the footsteps of historical progress, providing us with strong determination and motivation to make unremitting efforts and forge ahead bravely. Striving for a new journey, the prospect is extremely bright; Writing a new chapter is more emboldened.

　　"Two Establishments" is the greatest confidence. To March on a magnificent journey, we need to lead the core to steer the direction; To achieve great achievements in the future, we need scientific theory to guide us. Since the new era, it is the "two establishments" that lead and ensure the cause of the party and the state to overcome the difficulties and obstacles that followed and achieve remarkable achievements. In the face of the "three-phase superposition" and the new normal of economic development, it is proposed to implement the new development concept, build a new development pattern and promote high-quality development. China’s economy has climbed over the hill and achieved a historic leap; In the face of the epidemic in the century, it is proposed to always adhere to the people first, life first, and efficiently coordinate epidemic prevention and control and economic and social development. China has created a miracle that a populous country has successfully emerged from the epidemic in the history of human civilization; Facing the headwinds and counter-currents in the century-old changes, this paper puts forward that we should firmly stand on the right side of history and the side of human civilization and progress, promote the construction of a community of human destiny, open up new situations in changes, and turn crises into opportunities in chaos … … The key choices, overall strategic plans, and a series of far-sighted new ideas, ideas and strategies have fully demonstrated the historical initiative, extraordinary theoretical courage, outstanding political wisdom and strong mission of the Supreme Leader General Secretary as a Marxist politician, thinker and strategist, and fully demonstrated the truth power and practical power of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era. Practice has fully proved that ""Two Establishments" is the decisive factor to promote the historic achievements and changes in the cause of the party and the state, the greatest certainty, the greatest confidence and the greatest guarantee to overcome all difficulties and obstacles and deal with all uncertainties, and it is of decisive significance to the development of the cause of the party and the state in the new era and to promote the historical process of the great rejuvenation of the Chinese nation. Soak in the wind and rain, quench into steel. We have incorporated the comprehensive and strict administration of the Party into the "four comprehensive" strategic layout, comprehensively strengthened the Party’s leadership, and systematically improved the Party’s leadership system. After revolutionary forging since the new era, the Party has become stronger and more energetic, and its political leadership, ideological leadership, mass organization and social appeal have been significantly enhanced, and it has always been a strong leadership core in the historical process of upholding and developing Socialism with Chinese characteristics. On the way forward, as long as we firmly support the "two establishments", resolutely implement the "two maintenances", unite more closely around the CPC Central Committee with the Supreme Leader as the core, fully implement the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, unite as one and keep pace, we will certainly be able to overcome various risks and challenges and create new great achievements.

　　The people are the most solid support. Jiangshan is the people, and the people are Jiangshan. The great achievements of the new era are made by the party and the people. From the model of the times to the most beautiful figures, from the dim light of mortals to heroic feats, the figures of dreams and dreams, and the "you, me and him" who strive for progress show the enterprising attitude, ambition and creative power of the people of China in the new era. In the new era, our party firmly insists on doing everything for the people, relying on the people, ruling for the people and relying on the people, constantly solving the people’s urgent difficulties and worries, and constantly realizing the people’s yearning for a better life; Develop people’s democracy in the whole process, respect the people’s dominant position and initiative, let the people participate more extensively and deeply in the management of state and social affairs, and fully stimulate the wisdom and strength contained in the people. In the new era, the people of China are more confident, self-reliant and self-reliant, greatly enhancing their ambition, showing unprecedented historical consciousness and initiative, and becoming an inexhaustible source of strength to promote the development of the cause of the party and the country. "if you can use all your strength, you will be invincible in the world." China people’s tenacious vitality, deep cohesion, tenacity and endurance, and great creativity are the fundamental forces for us to March forward in rain or shine. As long as we always take the promotion of people’s well-being, the all-round development of people and the common prosperity of all people as the starting point and the end result, respect people’s creation, concentrate people’s wisdom, share weal and woe with the people, and unite with the people,We will certainly be able to comprehensively promote the great rejuvenation of the Chinese nation with Chinese modernization.

　　Great struggles accumulate valuable experience. It seems to be the most extraordinary, but it is easy but hard to achieve. Since the new era, the complexity of the situation we are facing, the severity of the struggle and the arduous task of reform, development and stability are rare in the world and history. The overall situation of the great rejuvenation strategy of the Chinese nation and the great changes that have never happened in the world in a century have stirred up each other. China’s reform and development have entered a critical period and deep water areas, and the task of reform, development and stability is arduous and arduous. The party United and led the people to overcome difficulties, forge ahead, and promoted the cause of the party and the state to stand at a new historical starting point. We have always maintained our strategic strength, carried forward the spirit of struggle, calmly responded to the impact of multiple unexpected factors at home and abroad, unswervingly followed our own path, and "let the wind and waves rise and sit firmly on the fishing boat." In the face of the complicated situation in which various contradictions are intertwined, we adhere to the problem orientation, grasp the main contradictions, and open up the work situation with solving practical problems as a breakthrough, so as to "make full use of everything at once". In the face of many dilemmas and difficulties, we insist on using the system concept to observe the situation, analyze problems, scientifically demonstrate, compare and select the best, and control the complex situation with overall consideration. "It is still calm to fly in chaos." The party led the people in a great struggle with many new historical characteristics, which accumulated valuable experience for us to bravely move forward in the new journey. As long as we strengthen our strategic self-confidence, strengthen our belief in winning, dare to face up to problems, be good at discovering problems and be brave in solving problems,Deal with the overall and local, current and long-term, macro and micro, major and minor contradictions, special and general relations, do a good job in systematic planning and strategic planning, and concentrate on doing your own thing well. Even in the face of high winds, high waves and even stormy waves, the great ship China can break through the waves and make steady progress.

　　The material foundation is more solid. General Secretary of the Supreme Leader pointed out: "China’s development is still in an important period of strategic opportunities" and "China’s basic characteristics of sufficient economic potential, strong resilience, large room for maneuver and many policy tools have not changed". Strong material foundation, abundant development kinetic energy and huge development potential give us more confidence in pursuing our own development in an unstable and uncertain world. The bottom spirit comes from strength, vitality and potential. Today, China is the second largest economy in the world, and its status as the largest country in manufacturing, trade in goods and foreign exchange reserves has been continuously consolidated and improved. From 2020 to 2022, under the difficult situation of global epidemic and high inflation, China not only stabilized the economic market, kept the bottom line of people’s livelihood, and maintained social stability, but also kept ahead among the world’s major economies with an average annual growth rate of about 4.5%, achieving medium-high growth on the basis of a high base. "Space House" roams the sky, "Struggler" dives 10,000 meters deep, online consumption and classes on the cloud are in full swing, 22 free trade pilot zones cover the East, West, North, South and South China, and Hainan Free Trade Ports set sail, and the first five national parks spread the picture of harmonious coexistence between man and nature … … China’s global innovation index ranked twelfth in 2023, and the added value of new industries, new formats and new models accounted for more than 17% of GDP in 2022.The social security network has become more and more dense and the level of security has been steadily improved, and it has embarked on a road of development with higher quality, more efficiency, fairer, more sustainable and safer. As long as we firmly grasp the primary task of high-quality development, earnestly implement the new development concept and accelerate the construction of a new development pattern, we will certainly be able to open up new fields and new tracks for development and open up a broader development space for Chinese modernization.

　　The system guarantee is more perfect. The rise and fall of a country depends on the system. Since the new era, our party has comprehensively deepened reforms, put system construction in a more prominent position, dared to break into deep-water areas, dared to bite hard bones, and pushed forward reforms in important areas and key links. From tamping the foundation, erecting columns and beams, to all-round promotion, accumulating strength, and then to system integration, coordination and high efficiency, the basic institutional framework in various fields has been basically established, and historical changes, systematic reshaping and overall reconstruction have been realized in many fields. Socialism with Chinese characteristics’s system has become more mature and stereotyped, and the modernization level of the national governance system and governance capacity has been significantly improved. The new national system gathers all parties’ joint efforts, accumulates innovative kinetic energy, and promotes high-level science and technology to take new steps of self-reliance and self-improvement; The system of strictly administering the Party in an all-round way is scientific, standardized and efficient. The loose and soft state of administering the Party has been fundamentally reversed, and the comprehensive and strict administration of the Party has been continuously deepened … … The remarkable advantages of China’s national system and national governance system are transformed into strong governance efficiency, and the powerful system is used to overcome risk challenges and achieve great things. Institutional advantage is the greatest advantage of a country, and institutional competition is the most fundamental competition among countries. A more mature and stereotyped institutional system provides a fundamental guarantee for us to gain a firm foothold and develop in the fierce international competition. As long as we strengthen institutional self-confidence, persist in innovation, focus on giving play to and enhancing China’s institutional advantages, constantly improve and develop the Socialism with Chinese characteristics system, and promote the modernization of the national governance system and governance capacity, we can continue to "The new atmosphere of "China’s rule" continued to write a new chapter of "China’s rule".

　　Turn the grand blueprint of Chinese modernization into a beautiful reality step by step.

　　The road to simplicity is the most important thing. To persist in and develop Socialism with Chinese characteristics, we have walked through thousands of waters in Qian Shan, and we still need to wade through mountains and rivers. General Secretary of the Supreme Leader pointed out: "The new journey is an expedition full of glory and dreams. There is no shortcut, only hard work." If we want to create new great achievements with new great struggles, we must bear in mind that upholding the Party’s overall leadership is the only way to uphold and develop Socialism with Chinese characteristics, Socialism with Chinese characteristics is the only way to realize the great rejuvenation of the Chinese nation, Chinese people are the only way to create great historical achievements, implementing the new development concept is the only way for China to develop and grow in the new era, and comprehensively administering the Party strictly is the only way for the Party to keep its vitality forever and take a new road to catch the exam. We should fully implement the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, cherish and always adhere to the "Five Necessary Ways", regard the promotion of Chinese modernization as the greatest politics, unite the overwhelming majority of the people under the unified leadership of the Party, focus on the central task of economic construction and high-quality development, turn the grand blueprint of Chinese modernization into a beautiful reality step by step, and write a more splendid chapter for Socialism with Chinese characteristics in the new era.

　　Enhance confidence in winning. General Secretary of the Supreme Leader pointed out: "The people have confidence, and the country has a future and the country has strength." As long as you have confidence, loess becomes gold. We should be good at drawing wisdom, boosting confidence and increasing strength from the road we have traveled. Since the new era, under the complicated situation of the century-long changes and the century-long epidemic, Socialism with Chinese characteristics’s roads, theories, systems and cultures have been full of vitality, the great rejuvenation of the Chinese nation has entered an irreversible historical process, and the people of China have become more confident and self-reliant. Practice has proved that scientific theory is the "golden key" for us to promote our work and solve problems. The more we learn, the more confident we are, and the more powerful we learn. We should learn to understand and implement Socialism with Chinese characteristics Thought of the Supreme Leader in the new era, adhere to the integration of learning, thinking and application, and unify knowledge, belief and practice, and turn this important thought into a powerful force to strengthen ideals, temper party spirit, guide practice and promote work, consolidate and expand the educational achievements of Socialism with Chinese characteristics Thought in the new era of the Supreme Leader, and turn it into the effect of promoting high-quality development. Adhere to a comprehensive, dialectical and long-term perspective to scientifically analyze the situation, grasp the general trend of development, and firmly develop confidence. We must not only see the rapid changes in the external environment of China’s development, but also increase the number of uncertain and unpredictable factors; We must also see that China has embarked on the road of high-quality development. The development has a more perfect institutional guarantee, a more solid material foundation and a more active spiritual strength. The favorable conditions are stronger than the unfavorable factors, and the economic resilience is strong and the potential is sufficient. Wide room for manoeuvre,The long-term positive fundamentals have not changed and will not change. We are confident and more capable of achieving long-term stable development, and constantly bring new impetus and new opportunities to the world with the new development of China.

　　Always unite and struggle. Strength comes from unity, and happiness comes from struggle. Unity formed around a clear goal of struggle is the strongest unity, and struggle based on close unity is the most powerful struggle. In order to build a socialist modern country in an all-round way and comprehensively promote the great rejuvenation of the Chinese nation, we must persistently use the supreme leader’s Socialism with Chinese characteristics Thought in the new era to forge a soul, use the Party’s innovative theory to guide the correct direction of United struggle, and consolidate the common ideological foundation of United struggle. It is necessary to consolidate and strengthen the unity and unity of the Party, more consciously and profoundly understand the decisive significance of the "Two Establishments", always maintain a high degree of unity with the CPC Central Committee with the Supreme Leader as the core in ideological and political actions, conscientiously implement democratic centralism, and strictly abide by the party’s political discipline and rules. Consolidate and strengthen the unity between the party and the people, practice the people-centered development thought, promote the fruits of reform and development to benefit all the people more fairly, always want to be together with the masses, always maintain the flesh-and-blood ties between the party and the people, and unite the people around the party as widely as possible. Consolidate and strengthen the great unity of the Chinese people at home and abroad, adhere to the great unity and unity, unite all forces that can be United, mobilize all positive factors that can be mobilized, unite the struggle forces of one mind and forge ahead, and form a vivid situation of hand in hand and United struggle.

　　Keep working hard. The people of China have great dreams, and they have the great spirit of hard work and hard work to realize their great dreams. Historical achievements and changes have taken place in the cause of the party and the state in the new era, which fully proves that great achievements are made and socialism is done. Only by hard work can we prosper the country, strengthen the country and enrich the people. History will not live up to those who do it. On the new journey, we should vigorously carry forward the spirit of self-reliance and hard struggle, be aware of and brave in shouldering heavy burdens, be tenacious, bear hardships and stand hard work, work hard, be not afraid of fatigue and difficulties, and strive to create achievements that can stand the test of practice, people and history. We must implement it to the letter, resolutely implement it, be realistic and pragmatic, dare to do good deeds, and implement the decision-making and deployment of the CPC Central Committee. Start a business with the spirit of nailing, do one thing after another, do it year after year, stick to a blueprint to the end, drip through the stone for a long time, and turn the great dream into reality step by step.

　　Be brave in tenacious struggle. Dare to struggle and dare to win is an invincible and powerful spiritual force for the people of the Communist Party of China (CPC) and China. Struggle for security means safe survival, compromise means safe death; Struggle for development leads to prosperity, while compromise leads to decline. "The various struggles we face are not short-term but long-term, at least with the whole process of achieving the goal of the second century." Our party has come to this day by struggle, and it is bound to win the future by struggle. On the new journey, we must always maintain the dauntless spirit of meeting the brave in the narrow road, and the more difficult and dangerous it is, the more forward we will be, be prepared for danger in times of peace and prepare for a rainy day, and be prepared to withstand the major test of high winds, high waves and even stormy waves. We should dare to speak out against the wrong words and deeds related to political principles, to tackle all kinds of difficult contradictions in economic and social development, to cure all kinds of unhealthy practices and negative corruption within the party, and to be unswerving and courageous in all kinds of acts that discredit the image of the party and the country and harm the interests of the country and the people by hostile forces. We should strengthen our fighting skills, not only dare to struggle, dare to encounter difficulties, but also be good at struggle, stress the art of struggle, be good at grasping the main aspects of major contradictions and contradictions, grasp the overall situation, prioritize and rationally choose the way of struggle, overcome all kinds of difficulties and challenges on the road ahead with all our strength, and open up a new world of career development by tenacious struggle.

　　Take the initiative. The General Secretary of the Supreme Leader stressed: "We must persist in independence, self-reliance, the development of the country and the nation on the basis of our own strength, and firmly hold the destiny of China’s development and progress in our own hands." Only by grasping the law and general trend of historical development can we always grasp the historical initiative of the development of the cause of the party and the state. On the new journey, we should unite more closely around the CPC Central Committee with the Supreme Leader as the core, persist in observing, grasping and leading the times with the Supreme Leader’s New Era Socialism with Chinese characteristics Thought, better coordinate the overall situation of the great rejuvenation strategy of the Chinese nation and the great changes that have never happened in the world in a century, gain a profound insight into the times, the situation, the crisis and the opportunity, and actively learn to adapt to changes. Be more proactive, face up to difficulties, and perform your duties with proactive and energetic creative work. Be more proactive in coping with changes, vigorously promote reform and innovation, constantly shape new development momentum and new advantages, and fully stimulate the creative vitality of the whole society. Be more proactive in preventing and resolving risks, grasp the initiative in work and fight for development in dealing with risks. As long as we put the major decision-making arrangements made by the 20th National Congress of the Communist Party of China into action step by step, see the results, strengthen our confidence, work hard with one heart and one mind, and forge ahead courageously, we will certainly win the advantage, the initiative and the future.

　　The blueprint is inspiring, the horn is inspiring, and the journey has no end. In the face of great responsibility and glorious mission, all party comrades must remember Do not forget your initiative mind’s mission, be modest and prudent, work hard, dare to struggle, be good at fighting, strengthen historical self-confidence, enhance historical initiative, and write a more splendid chapter for Socialism with Chinese characteristics in the new era.

　　Beijing, August 14, 2005 According to the report of China Voice "National News Network" of the Central Radio and Television General Station, on August 15, 2005, when the then supreme leader of Zhejiang Provincial Party Committee visited Yucun, Anji County, Huzhou City, Zhejiang Province, he first proposed "Lucid waters and lush mountains are invaluable assets". Nowadays, the concept of "Lucid waters and lush mountains are invaluable assets" has become the consensus and action of the whole party and society, and has become an important part of the new development concept. Since the 18th National Congress of the Communist Party of China, under the guidance of the concept of "Lucid waters and lush mountains are invaluable assets", all localities have actively practiced the ecological civilization thought of the supreme leader, adhered to ecological priority and green development, made great efforts to solve outstanding environmental problems, strengthened the protection of ecosystems, and continued to write a new chapter in the concept of "two mountains" in continuous practice.

　　In September 2013, when the Supreme Leader answered students’ questions at Nazarbayev University, he explained the concept of "Lucid waters and lush mountains are invaluable assets": "We want green mountains and green hills, but also Jinshan Yinshan. I would rather have green mountains and green hills than Jinshan Yinshan, and Lucid waters and lush mountains are invaluable assets. "

　　The concept of "Lucid waters and lush mountains are invaluable assets" gives consideration to economy and ecology, development and protection, and provides important guidance for adhering to green development and building beautiful China in the new era.

　　Do not exchange temporary economic growth at the expense of the environment, and do not take the old road of "pollution first, then treatment". In Xilin Gol League, Inner Mongolia, more than 60% of the area in the League has been designated as the red line of ecological protection, and no new mine development projects will be built on the grassland. By June 25th, 67 industrial and mining enterprises in six national nature reserves in Xilin Gol League had all closed down. Ma Weiguo, deputy director of the Natural Resources Bureau of Xilin Gol League, said: "According to ‘ If you are green, you will survive; if you are not green, you will retreat ’ It is required that by the end of 2023, all our production mines will meet the standards of green mines. "

　　Since the 18th National Congress of the Communist Party of China, a number of systems, such as evaluation and assessment of ecological civilization construction objectives and accountability for ecological environmental damage, have been promulgated and implemented. The central eco-environmental protection inspector started the pilot project in 2015, and by 2018, it has achieved full coverage of routine inspectors in 31 provinces (autonomous regions and municipalities) and Xinjiang Production and Construction Corps, and the role of the inspector’s sword has been effectively played.

　　At the same time, in view of the ecological and environmental problems accumulated in China’s rapid development over the years, ecological restoration has been placed in a more prominent position in various places. In order to protect the ecological environment of the Yangtze River, from January 1 this year, 332 nature reserves and aquatic germplasm conservation zone in the Yangtze River basin were completely banned from productive fishing. The main stream of the Yangtze River, important tributaries and large Tongjiang lakes will be temporarily banned for 10 years from 0: 00 on January 1, 2021 at the latest.

　　As the province with the longest mileage flowing through the main stream of the Yangtze River, Hubei has set up a file for all the more than 26,000 fishermen who have retired in the province to ensure the implementation of the no-fishing measures. Since July 1st this year, the Yangtze River has been closed to fishing for ten years in Jingzhou City. Bie Shaobo, deputy secretary and deputy director of the Party Group of Jingzhou Agricultural and Rural Bureau, said: "The most important thing is to accurately set up files for these fishermen and transfer them to jobs for training, so that they can be reborn. We are determined to use the greatest strength and the most powerful measures to advance this work and achieve the goal we should achieve as soon as possible. "

　　In the comprehensive experimental zone of marine ecological civilization of Long Island in Yantai, Shandong Province, the coastline ecology of Long Island has been gradually restored through measures such as vacating coastal aquaculture. At the same time, four state-level marine pastures and six provincial-level marine pastures will be built in Long Island, and the construction of marine pastures will create a "green water and green mountains" at sea, leading the marine fishery from the nearshore to the deep blue. Li Junjie, the full-time deputy secretary of the Working Committee of the Long Island Marine Ecological Civilization Comprehensive Experimental Zone, said: "People have to be compensated for their investment in these areas. In addition, we should consider their changing jobs. What ordinary people used to raise seedlings led to the tourism industry and the cultivation of offshore seafood. We must protect the fruits of our ecological restoration and let the people feel happy living in Long Island. "

　　In recent years, Fuxin City, Liaoning Province, the first pilot city for economic transformation of resource-exhausted cities in China, has developed 12 theme racetracks of various types by using abandoned pits. The green development model of "ecological restoration+industry" makes the "urban scar" of Baili realize a gorgeous turn from black to green. From the end of 2018 to 2019, the newly-built Centennial International Circuit City has held six cross-country events and received more than 200,000 visitors. The bustling crowd has also brought a good life and new hope to the local people. Mr. Ma, a citizen, said: "The Gangzi Mountain in the past has now become an ecological park, with birds and flowers. The construction speed of the track city is particularly fast, and the surrounding facilities such as greening and roads are very good, as well as container hotels, which are fashionable and modern and more and more international. "

　　Environment is people’s livelihood, green hills are beautiful, and blue sky is also happiness. Holding the green mountains and green hills, not only Jinshan Yinshan is harvested, but also the people’s hearts are full of sense of gain and happiness.

　　In Chengdu, Sichuan, Tianfu Greenway, which has been built for more than 3,689 kilometers, has become the most inclusive livelihood project in the park city; In Hebi, Henan Province, the Qihe River scenic belt with a total length of about 6 kilometers has become a good place for citizens to relax; In Lanzhou, Gansu Province, the local government combined the Yellow River management with the improvement of people’s happiness index to create various landscape belts along the Yellow River. Chen Yifu, director of Lanzhou Natural Resources Bureau, said: "Increase public service facilities, make the Yellow River a happy river for the people, and build Lanzhou into a demonstration area for the high-quality development of the Yellow River and a pioneering area for ecological protection."

　　In Zhongliao Village, a Li village in the north of Sanya, Hainan, the once unknown Zhongliao Village "Butterfly Change" is a well-known "star" village in Hainan. The villagers have a "tourist meal" at their doorstep and sing a happy song of the Liao people in the new era.

　　At present, the national forest area has reached 220 million hectares, and the forest coverage rate is 22.96%. In the past 20 years, the new vegetation coverage area ranks first in the world. The number of cities with national air quality standards increased from 73 in 2015 to 157 in 2019. With the solid progress of ecological civilization construction, a beautiful new picture of China is slowly unfolding.

　　It has been more than half a month since the "rebellion" of Wagner, a Russian private military group, and the social security and military order in Russia have already returned to normal.

　　After Wagner’s "mutiny" came to an abrupt end, Russian President Vladimir Putin pronounced Wagner’s "death penalty" in a national televised speech on June 26th, saying that Wagner would no longer be allowed to continue to maintain a military presence within the jurisdiction of Russia, and only Wagner soldiers would be allowed to join the Russian regular army, disarm and return to the fields, or go to Belarus. On the same day, Prigozhin, head of Wagner, also announced that "Wagner will eventually be dissolved" before July.

　　However, Wagner’s movements since then have always been foggy, and contradictory news has been released constantly, which makes people unable to understand Wagner’s real fate. What is certain is that Wagner has remained active so far. A few days ago, Putin even proposed that Wagner be led by a military figure codenamed "White Hair" and "restore the original state".

　　So, what is Wagner’s current situation? Will it continue to maintain a military presence? Is it even possible to re-participate in the Russian-Ukrainian conflict?

　　What is Wagner’s current situation?

　　Wagner’s recent trend is very contradictory. After being sentenced to death in late June, Wagner recently turned over weapons to the Russian Ministry of Defense, while still recruiting new soldiers.

　　According to a report by the Russian Tass news agency on July 12th, the Russian Defense Ministry issued a statement on the 11th, saying that the Russian army is about to complete the work of receiving Wagner Group’s weapons and equipment. According to the data disclosed by the Russian military, Wagner handed over more than 2,000 rockets, air defense systems, armored vehicles and other heavy weapons and equipment and more than 2,500 tons of various ammunition. This statement means that Wagner has lost his fighting capacity, and Prigozhin has at least fulfilled the agreement he reached with the Russian Defense Ministry in June.

　　However, Wagner is unlikely to disappear in the short term. On the contrary, after entering July, Wagner still openly recruits in Russia. According to the British "Financial Times" reported on July 5, on July 4, Wagner’s recruiter made it clear that the recruitment plan would not change because of the failure of the "rebellion", and the newly recruited soldiers still signed contracts with Wagner Group and stayed in Krasnodar Krai, Russia for training. This obviously violates the ultimatum of the Russian Ministry of National Defense that Wagner soldiers must sign contracts with the Ministry of National Defense before July 1. The Financial Times analyzed that the move of recruiting new soldiers proved that Wagner will still exist for a long time and continue to participate in Russian military affairs in some form.

　　The Russian online media "остооно, Media" also quoted the famous Russian host Ksenia Sobchak (ксениясоо) on July 2nd. Sobchak said that Wagner is recruiting up to six arms, including signalmen, gunners and engineers.

　　In addition, Wagner posted on the social platform Telegram on July 15 to continue recruiting soldiers: "All positions in Krasnodar Krai are still empty." Wagner also promised to pay a monthly basic salary of 240,000 rubles (about 19,025 yuan), plus bonuses and insurance.

　　Did any soldiers leave?

　　In his speech on June 26, Putin promised to offer Wagner soldiers three choices: joining the Russian regular army, disarming and returning to the fields or going to Belarus. In short, Putin demanded that Wagner’s military presence in Russia be banned. Did Wagner soldiers really get the right to choose, and how many people chose to leave Wagner?

　　According to a report by the Russian Interfax news agency on July 2, Volodin, chairman of the Russian State Duma (lower house of parliament), posted a summary of the "attempted coup" on social platforms, claiming: "Many members of Wagner have agreed to sign contracts with the Russian Ministry of Defense and join the regular army." At present, the Russian Ministry of Defense has not announced the information of Wagner’s personnel as it announced the collection of Wagner’s weapons, nor has it seen the news that Wagner’s grassroots organizations have announced their participation in the Russian regular army. According to the Russian newspaper Kommersant reported on July 13th, Putin admitted in an interview that Prigozhin still refused to accept the proposal of adapting Wagner soldiers.

　　There is no evidence that Wagner soldiers are being demobilized on a large scale. Wagner’s recruitment in Russia implies that Russian officials have not implemented the goal of banning Wagner’s military presence in Russia.

　　The exact news at present is that some Wagner members did go to Belarus. According to today’s Russian TV station (RT) reported on July 16th, Wagner members are training soldiers of the Belarusian army and conducting military exercises with the Belarusian army. The Ministry of Defence of Belarus also issued a statement on July 14th, stating that Wagner would assist Belarus in formulating a "road map" for military training.

　　Return to the battlefield?

　　According to a report by Russia’s Kommersant on July 13th, Putin revealed in an interview that he met 35 members of the Wagner organization a few days ago, which provided them with a brand-new way out: the Wagner organization was led by the person who served as the actual commander in the past 16 months and code-named "White Hair". Putin said that under this model, "nothing will change" means that Wagner will resume the organizational model before the "rebellion", that is, continue to exist in the form of private mercenaries. To this end, Putin hinted that Wagner might be granted legal status: "This is actually a legalization issue and should be handled by the State Duma and the government."

　　Reuters published an article on July 14th, saying that the military figure named "White Hair" who was appointed to take over Wagner was probably Andre Troshev (андрейтрошев). Previously, the official documents of the French Ministry of Finance and the European Union used "white hair" to refer to Troshev. In its document issued in 2021, the European Union described Troshev as "the chief executive of Wagner Organization", which is different from Putin’s claim that "Wagner was actually ‘ White hair ’ Leadership ". It is reported that Troshev served as the commander of the Russian rapid reaction force all the year round. In a photo that flowed out in 2017, Troshev took a group photo with Putin and Prigozhin. Reuters pointed out that Troshev may be Wagner appointed by Putin, and he plays the role of a liaison between Wagner and Russian troops.

　　The softening of Russian official position paved the way for Wagner to maintain his military presence in Russia. Public opinion believes that Wagner is likely to rebuild his military presence in the future, and at least he will go to Africa or Syria to return to his old job and be employed by the Russian military to perform overseas military tasks. Some analysts even pointed out that Russia cannot afford to lose Wagner’s force, and Putin’s statement may have laid the groundwork for Wagner’s return to the front line of the Russian-Ukrainian conflict.

　　The British Broadcasting Corporation (BBC) pointed out in a recent article that Wagner had already proved that it was indispensable for the Russian army in the battle of Bachmut, which lasted for almost a whole year. In the widely circulated video of Prigozhin swearing at Russian Defense Minister shoigu and Chief of General Staff gerasimov, Prigozhin accused the Russian regular army of fleeing without fighting in the suburbs of Bachmut, causing Wagner to be attacked on three sides in the frontal battlefield. Analysts believe that the Russian army is under great pressure and needs Wagner’s return.

　　Sean Bell, a military scholar, analyzed that it is unwise to "exile" Wagner to Belarus for a long time, let Wagner soldiers return to the fields or dilute them into the Russian regular army. "Russia can’t bear the consequences of losing the best and most experienced soldiers in the conflict between Russia and Ukraine", so Putin is willing to soften his posture and put forward that Wagner will "return to the original state" under the leadership of "white-haired" Troshev, which means that Wagner will return to the battlefield in Russia and Ukraine as a whole in the future.

Jia Haonan came from Aofei Temple.

Quantum bit report | WeChat official account QbitAI

Kind reminders from iPhone users always make people feel warm:

So I backhand to a "thank you":

It doesn’t matter if the iPhone’s AirDrop is used up. Not only is it a trivial matter of being harassed, but hackers can also intercept personal information in a few milliseconds.

It’s basically equivalent to making your mobile phone number, email address and other contact information public.

Moreover, this bug has long been known by Apple, but it has not been fixed.

There was no time to flash, and the information was leaked.

What’s going on?

Researchers at Darmstadt University of Technology have conducted in-depth research on loopholes, and their conclusion is:

Apple AirDrop has a two-way vulnerability. No matter whether it is accepted or sent, as long as it is opened, hackers can crack the user’s mailbox, phone number and other information in a few milliseconds.

Personal information intercepted by hackers may be used for precision phishing attacks, fraud, etc. The simplest way is to resell personal information directly for profit.

AirDrop, the name that domestic users are more familiar with, is airdrop, which is transmitted through Bluetooth and wifi. Among them, Bluetooth "handshakes" and Wi-Fi "transmits".

The whole transmission process does not require the participation of public network connections.

But the problem lies in the "handshake phase" of Bluetooth.

In the transmission confirmation stage, in order to determine whether the equipment of the possible sender should be connected with other nearby equipment, AirDrop will broadcast the local Bluetooth signal, which contains the partial encrypted hash value of the sender’s phone number and email address.

If there is a hash value that matches someone’s information in the address book of the receiving device, the two devices will shake hands for mutual authentication through Wi-Fi.

Of course, if the recipient is set to receive from any device, the address book verification can be skipped.

During the handshake, the device will exchange the complete SHA-256 hash value of the owner’s phone number and email address.

Originally, the original information that generated them cannot be directly transcribed from the hash value, but it may be calculated according to the entropy or the number of random values in the plaintext.

Therefore, in theory, hackers can do this by carrying out "violent attacks", that is, throwing out a large number of test values and "bumping" out the correct information.

The key point is that in a phone number or an e-mail address, the information entropy is negligible.

Even a database containing all possible phone numbers in the world. It only takes a few milliseconds to find a hash value in it.

That’s it. It was too late to flash, and the information leaked out.

Hackers "wait for the rabbit"

In the simplest way, hackers only need to monitor the discovery requests sent by other nearby devices without any prior information.

For example, just install a Bluetooth "bug" in public places.

The second method is the reverse.

The attacker opens the sharing menu to see if there is a nearby device responding to his handshake request message.

But this technology is not as widely applicable as the first method, because it only works when the attacker’s information is already in the receiver’s address book.

However, attacks from "acquaintances" are equally terrible.

For example, the company boss can use it to get the non-work phone number or email address of any employee.

For two years, Apple turned a deaf ear.

Does Apple know?

Of course I know. Besides, I knew it two years ago.

Not only do I know, the team of Darmstadt University of Technology, which discovered the vulnerability, has also specially developed a vulnerability patch PrivateDrop, which allows both parties to shake hands with each other without exposing the hash value.

When the vulnerability was reported in 2019, the patch was submitted together.

But two years later, the stone sank into the sea.

Apple officials have never responded to whether the researchers adopted their scheme, and the loopholes have never been fixed.

Ready-made answers are too lazy to copy …

So until today, as long as there are users who use airdrop delivery, there is a risk of revealing personal information.

At present, the only way to prevent leakage is to set AirDrop to "no one" in the system settings menu.

The launch of iOS 14.5 was originally known for its security, but now it has been exposed that serious vulnerabilities have lasted for two years and affected 1.5 billion users around the world.

By the way, I would also like to remind you that not only iOS, macOS and iPadOS on the iPhone, but also all Apple devices with the function of "air drop delivery" are under threat.

Reference link

https://arstechnica.com/gadgets/2021/04/apples-airdrop-leaks-users-pii-and-theres-not-much-they-can-do-about-it/

End—

This article is the original content of the signing account [Quantum Bit] of Netease News Netease Special Content Incentive Plan, and it is forbidden to reprint it at will without the authorization of the account.

Original title: "The latest exposure of iPhone vulnerabilities: transmitting files will reveal personal privacy, and Apple has not changed it for more than two years."

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　　The theme of China this year’s Sixth Five-Year Environment Day is "Building a Clean and Beautiful World". Yesterday morning, Shenzhen Eco-environment Bureau launched "Low-carbon Life, Green Fashion"-the theme online activity of Shenzhen’s sixth five-year environment day in 2022. This is the first time that Shenzhen has adopted AR technology to hold the theme activity of the Sixth Five-Year Environment Day.

　　Zhang Hua, vice mayor, said in a video speech that the responsibility of ecological environmental protection is great and the construction of ecological civilization has a long way to go. Shenzhen will continue to adhere to the people-centered development thought, take peak carbon dioxide emissions as the guide, promote green and low-carbon development, build up the concept that "a good ecological environment is the most universal welfare for people’s livelihood", and give more prominence to precise pollution control, scientific pollution control and pollution control according to law, and cultivate a green background and quality quality of high-quality development, and take the lead in creating a beautiful China model of harmonious coexistence between man and nature!

　　The number of wild animals exceeds 50% of the total in the province.

　　Li Shuisheng, director of Shenzhen Ecological Environment Bureau, said that in the past year, with the efforts of all sectors of society, Shenzhen’s ecological environment has undergone new changes. First, the sky is bluer, and the average annual concentration of PM2.5 has dropped to 18 μ g/m3, a record low since the monitoring data; Second, the water is clearer. More than half of the rivers in the city have reached excellent water bodies. Maozhou River and Dapeng Bay have been shortlisted for the case of beautiful rivers and lakes and beautiful bays in the country respectively, and citizens have more "punching places" for loving water and music. Third, the land is greener. The total number of parks in the city has increased to 1238, and the total length of greenways has reached 2843 kilometers. Citizens can fully enjoy the beauty of nature in the city. Fourth, the ecology is better. The number of wild animals exceeds 50% of the total in the province. Leopard cats that are hard to find have appeared frequently in the city many times. In the past, Tangyu, which was declared extinct in the wild, reappeared in natural mountains and streams, and many animal friends who once disappeared came back.

　　Next, Shenzhen will take the synergy of pollution reduction and carbon reduction as the overall starting point, fight the tough battle of pollution prevention and control in depth, continuously improve the ecological environment, and let the citizens enjoy more green ecological benefits.

　　The number of users of the "Low Carbon Planet" applet exceeds 900,000.

　　In order to let more Shenzhen people join the ranks of ecological civilization construction, in 2021, Shenzhen Ecological Environment Bureau, Shenzhen Emissions Exchange and Tencent Company jointly created the "Low Carbon Planet" applet, the first carbon universal operation platform in Shenzhen, so that every citizen can participate in carbon reduction actions in their daily lives.

　　Shenzhen citizens open personal carbon accounts through the "low-carbon planet" applet, calculate the public travel behavior that Tencent bus code participates in as carbon dioxide emission reduction, accumulate carbon points in the accounts, participate in carbon market transactions, and become participants in a green and low-carbon life.

　　According to the big data of Shenzhen Metro’s operation in 2021, Shenzhen Metro will provide about 784,000 tons of low-carbon public travel carbon emission reduction in 2021, which is equivalent to the annual absorption of 39,200 hectares of forest land. With the continuous deepening of the "Low Carbon Planet" applet, its total number of visits has exceeded 3 million, the number of users has exceeded 900,000, and the accumulated carbon points have reached 1.3 million.

　　Publish the first green paper of natural schools in China

　　During the day’s activities, the Shenzhen Municipal Bureau of Ecology and Environment, in conjunction with the Publicity and Education Center of the Ministry of Ecology and Environment, released the Green Paper for Natural Schools in 2022, which is the first green paper for natural schools in China.

　　Zhang Yali, deputy director of Shenzhen Ecological Environment Bureau, revealed that in 2014, Shenzhen established the first natural school in China. The Regulations of Shenzhen Special Economic Zone on Eco-environmental Protection, which was revised last year, clarified the legal status of "natural schools" for the first time through local legislation. In 2020, the Shenzhen Bureau of Ecology and Environment initiated the "National Natural Schools Hand in Hand Action" to further spread advanced natural education concepts, management models and high-quality resources to more natural schools, and truly realize the co-construction and sharing of environmental education resources.

　　Star environmentalists launch environmental protection initiatives to the public.

　　In order to give full play to the typical demonstration and value leading role, this year, Shenzhen has selected a number of units and individuals who have made outstanding contributions to eco-environmental protection from all walks of life, including 13 outstanding pollution control and cleaning projects, 6 green enterprises, 10 most beautiful eco-environmental volunteers, 5 most beautiful eco-environmental organizations, 2 natural schools and 3 environmental education bases.

　　During the event, Zhang Xuefan, Party Secretary of Shenzhen Eco-environment Bureau, presented awards to the winners and individual representatives.

　　During the Sixth Five-Year Environment Day, celebrities Nan Zhaoxu, Tang Muhan, Chen Chusheng, Wu Keyue and wangxin launched environmental protection initiatives to the public. The management bureaus of Shenzhen Ecological Environment Bureau and many excellent enterprises and organizations have also launched activities related to this.

　　On the same day, the "air classroom" online course platform of Shenzhen Education Bureau opened the ecological environment theme online course to 1.5 million primary and secondary school students in the city in a rolling way; The Belt and Road Environmental Technology Exchange and Transfer Center (Shenzhen) also held the first eco-environmental story micro-video creation competition to encourage the public at home and abroad to record their eco-environmental stories with videos.

The implementation plan of Shenzhen’s "14 th Five-Year Plan" and "No Waste City" was issued

　　The reporter learned from the Municipal Bureau of Ecological Environment yesterday that the office of the Shenzhen Ecological Environment Protection Committee issued the Implementation Plan for the Construction of a Waste-free City in Shenzhen during the Tenth Five-Year Plan period (referred to as the Implementation Plan) on May 27th. According to the Implementation Plan, during the Tenth Five-Year Plan period, Shenzhen will build 24 indicators, implement 36 key projects and 110 tasks through eight major actions, and make every effort to promote resource recycling, waste reduction and carbon reduction.

　　It is reported that in 2019, Shenzhen, as the first batch of pilot cities for the construction of "waste-free cities" in China, with the mission of exploring the model of solid waste treatment in super-large cities, put forward four-stage goals of "starting", "running with" and "leading".

　　From 2019 to 2020, Shenzhen successfully completed the construction task at the start-up stage, set up a four-wheel-drive construction framework system of system, market, technology and supervision, comprehensively improved the capacity of solid waste utilization and disposal, initially formed a green production and lifestyle, led domestic cities in terms of domestic waste recycling rate, industrial solid waste production intensity and other indicators, and the solid waste safe disposal system reached the international advanced level.

　　In order to continue to deepen the construction of a "waste-free city", Shenzhen has set standards for cities and regions such as Tokyo, San Francisco, Singapore, etc., and strives to achieve the goal of following the running stage in 2025, and lay the foundation for achieving the goal of "running side by side" in 2035 and "leading" in the middle of this century.

　　The Implementation Plan proposes the following objectives:

　　By 2025, the intensity of domestic garbage and industrial solid waste will increase towards zero, and the primary domestic garbage, municipal sludge, general industrial solid waste and agricultural waste will be zero-landfilled, and the effect of waste reduction at the source of the city will be remarkable. The recycling capacity of all kinds of solid waste, such as "turning waste into materials" and "turning waste into energy", has been significantly improved. The proportion of outbound disposal of construction waste decreased significantly, and all kinds of solid waste were safely disposed of. The system, market, technology and supervision system of solid waste management tend to be perfect, and the emergency disposal guarantee system is established and improved. The synergistic effect of pollution reduction and carbon reduction has been brought into full play, and the main indicators of "waste-free city" construction have reached the international advanced level, and a model of "waste-free city" in megacities has been initially built.

　　By 2035, it will be built into a "waste-free city" with "less emissions at the source, full utilization of resources and zero landfill of waste", and green development and green lifestyle will be fully formed, with remarkable results in reducing pollution and carbon. The main indicators of "waste-free city" construction are ahead of the international advanced level, the intensity of domestic waste and industrial solid waste has decreased significantly, and the recycling rate of domestic waste ranks in the forefront of the world, realizing the modernization of solid waste management system and capacity.

　　Eight major actions are the key contents of the Implementation Plan, namely, national waste reduction, classified collection, resource recycling, safe disposal, reform and innovation, waste-free culture, regional cooperation, waste reduction and carbon reduction.

　　At the same time, the "Implementation Plan" also clarified five aspects of safeguard measures, and formulated the index system, project list and task list for 2022 to comprehensively promote the construction of Shenzhen’s "waste-free city".

Shenzhen launches new experience of "zero waste camping"

Yesterday, Shenzhen Bay Park Sunrise Theater held the "Zero Waste Camping" Experience Day.

　　Since the beginning of this year, the camping fever has continued to climb in Shenzhen. On the occasion of World Environment Day’s arrival, yesterday, Shenzhen Urban Management and Comprehensive Law Enforcement Bureau held a "Zero Waste Camping" experience day in Shenzhen Bay Park Sunrise Theater, and released the "Praise List of Camping Tents in Shenzhen Park", hand-painted posters, proposals for protecting green space, etc., to guide citizens to use tents with standardized sizes, separate garbage delivery, etc., to care for green space and jointly protect the park environment.

　　At the beginning of this year, 22 parks in Shenzhen designated tent areas to open to the public, and more and more citizens experienced the new fashion of camping in the parks. With the growing number of park campers, the sales of outdoor camping equipment have also increased. "The sales of Decathlon camping products increased nearly tenfold during the Dragon Boat Festival compared with the same period last year." Ji Yueli, Commercial Director of Decathlon Shenzhen Outdoor Sports, told the reporter, "Sunshades suitable for park camping, small tents with sun protection, and some tables, chairs and picnic mats are very popular."

　　While opening the tent area, the park is also actively maintaining and managing it. Liang Zhiyu, deputy director of Shenzhen Park Management Center, issued an initiative at the event site, recommending the use of tents with standardized sizes. No open fire cooking, hammocks, pets and tents are allowed in parks or tent areas, so that more people can share nature.

Nanshan Energy Ecological Park Phase II is fully completed and some supporting facilities will be open to the public.

　　What does it feel like to go through the garbage incineration equipment and drink coffee on the chimney to see the sea view? You can experience it in the second phase of Nanshan Energy Ecological Park. Yesterday afternoon, Shenneng Environmental Protection Nanshan Energy Ecological Park held the "Cloud" Opening Activity of "Keeping the Initial Heart of Environmental Protection and Building a Clean and Beautiful Shenzhen-Nanshan Energy Ecological Park", and introduced the knowledge of garbage incineration and recycling to the general public through the live broadcast of the cloud exhibition and the media open day, so as to awaken the environmental awareness of the whole people.

　　Yesterday afternoon, the reporter came to the second phase of Nanshan Energy Ecological Park. As soon as he entered the factory, he was attracted by the appearance of the main factory building in front of him. I saw the glass curtain wall with novel design. The traditional chimney disappeared, but it was hidden in a calla lily-shaped building. From the appearance, it can’t be seen that it is a garbage incineration plant. Entering the second floor is the shell-shaped Shenzhen Garbage Sorting Science Education Base and Recycling Art Exhibition Hall. Walking in the visiting corridor, you can clearly see the modern garbage incineration treatment equipment through the floor-to-ceiling glass.

　　According to reports, there is no fence in the second phase of Nanshan Energy Ecological Park. In 2019, the main project of the second phase was completed and put into operation. In addition to the "main business" of garbage incineration power generation, this year, the architectural appearance and some popular science education and Huimin projects were completed. In the ecological park, the first art exhibition hall opened in the energy ecological park-recycling art exhibition hall, the only sky bar coffee shop built on the chimney in Shenzhen and other supporting facilities have been innovated. The ecological park has various functions such as holding various art exhibitions, environmental protection salons, industry exhibitions and forums, which will be gradually opened to the public. It is worth mentioning that the coffee bar is located on the top floor of the chimney, with a 360-degree view. From there, you can see the busy Mawan Port, lush Nanshan, white Ferris wheel and blue sea.

　　In order to let citizens get close contact and experience the benefits of circular economy to modern life, Nanshan Energy Ecological Park will open an appointment in the next step. The public can make an appointment to visit and experience various educational and interactive projects in the park, such as the integration and interaction of garbage classification, and learn about the knowledge of garbage classification by means of somatosensory interactive games; The following sunken lecture hall can experience the huge projected underwater world, as if you were in a beautiful marine environment, and understand the construction concept of power plants and the high-tech centralized control room; In addition, citizens can also enjoy leisure time in the Sky Bar Cafe overlooking the sea and the panoramic view of Nanshan.

　　At present, the first and second phases of Nanshan Energy Ecological Park treat more than 2,300 tons of domestic garbage every day, which not only helps Nanshan District to realize the "self-production and self-sale" of the total domestic garbage, but also treats some domestic garbage in Futian District and Luohu District, and achieves the most stringent Shenzhen standard for environmental protection discharge in China. While solving the siege problem of municipal solid waste, the garbage incineration facilities will be changed from "neighborhood avoidance" to "neighborhood benefit" by building a five-in-one complex of "production (production and office), learning (popular science education), publicity (environmental protection propaganda), research (scientific and technological research) and tourism (industrial tourism and leisure and entertainment).

Futian cultivates 18 projects with near-zero carbon emission.

　　On the afternoon of June 5th, Futian District and the Municipal Bureau of Ecology and Environment held a joint party building activity of World Environment Day and "Carbon Road Pioneer" with the theme of "Building a Clean and Beautiful World Together" in Xinzhou Primary School. This activity practices the concept of green and low carbon with practical actions, and the printing paper, environmental protection bags and other items used in the activity can be recycled. Li Shuisheng, director of the Municipal Bureau of Ecology and Environment, and Huang Wei, secretary of Futian District Party Committee attended the event.

　　As a central city, the first good area, and also a national demonstration area for ecological civilization construction, Futian District, with the responsibility of "first good environment", on the one hand, continuously improves the ecological environment, on the other hand, makes full efforts to promote the near-zero carbon construction of the first batch of pilot units. In the process, Futian District has also actively cultivated a number of near-zero carbon emission pilot reserve projects. In 2022, Futian District will concentrate on cultivating 18 near-zero carbon emission pilot projects, including 1 near-zero carbon emission area, 1 near-zero carbon emission community, 10 near-zero carbon emission campuses and 6 near-zero carbon emission buildings, so as to push forward the pilot work of peak carbon dioxide emissions and carbon neutrality.

　　During the activity, the Party General Branch of Futian Administration Bureau of the Municipal Bureau of Ecology and Environment and the Committee of red ridge middle school (Hongling Education Group) in Futian District of Shenzhen signed the agreement on building an ecological fortress to be a pioneer of carbon road, and jointly created a pilot project of near-zero carbon emission on campus, striving to form a demonstration standard of near-zero carbon campus in the whole city and even the whole country.

Nanshan builds a digital water-saving construction site

　　June 5th is World Environment Day. On the same day, the construction site of OPPO International Headquarters Project in Nanshan District, Shenzhen officially completed the renovation and upgrading of mud water treatment technology, becoming the first digital water-saving construction site in Shenzhen.

　　OPPO International Headquarters Project is located in Shenzhen Bay Super Headquarters Base, with a total construction area of about 248,000 square meters and the highest height of 199.75 meters. It is a combined skyscraper integrating office, restaurant, business and cultural facilities. It is designed by the internationally renowned Zaha Hadid office and undertaken by China Construction Second Bureau. Upon completion, it will become a new landmark of Shenzhen Bay Super Headquarters Base.

　　The reporter saw at the construction site that the yellow mud water in the mud water collection pool flowed to a chest-sized cabinet through a water pump. When it was opened, two huge drums were automatically dispensing medicine, and the mixer kept stirring the mud and the medicine together. After the mixed liquid flows through a long pool and a tin can, a clear water sample can be taken out from the tap, which is not much different from ordinary tap water in appearance. There is also a cabinet similar to a small refrigerator next to it, which clearly shows various water quality indicators and water quantity data.

　　Chen Yuyi, the person in charge of Shenzhen Yunke Energy Conservation and Environmental Protection Technology Co., Ltd., the service unit of the digital water-saving management system, introduced that the sludge treatment equipment can quickly treat the yellow sludge water generated at the construction site, and it only takes 10 seconds to realize sludge separation, and the effluent reaches the reclaimed water standard. "The shared management platform built through big data aggregation and cloud computing can not only help the construction site to understand the water saving situation, but also help the government to manage the water consumption of construction sites, recycle water resources and monitor whether the discharged water quality reaches the standard in real time, so as to realize the digitalization of water saving management."

Longgang released a synergistic action plan to reduce pollution and carbon.

　　On the morning of June 5th, the launching ceremony of the 2022 Sixth Five-Year Environment Day in Longgang District was held in Shenzhen International Low Carbon City.

　　The Synergistic Action Plan for Pollution Reduction and Carbon Reduction in Longgang District released at the launching ceremony is the first synergistic action plan for pollution reduction and carbon reduction in the city. The scheme constructs a "1+8+26" synergistic work system for pollution reduction and carbon reduction in Longgang. Among them, "1" refers to "one goal", that is, to accelerate the establishment of the first batch of carbon-neutral pilot demonstration zones in Guangdong Province in Longgang District, to form a low-consumption, low-emission, recyclable and sustainable green and low-carbon development mode with Longgang characteristics, and to provide a replicable "Longgang model" for pollution reduction and carbon reduction synergy to the whole province and even the whole country; "8" refers to deepening pollution reduction and carbon reduction from eight major areas, including mechanism construction, integrated pollution reduction and carbon reduction, key link path, multi-dimensional and multi-point demonstration, service supervision, transformation effect of two mountains, multi-party cooperation and carbon inclusive system; "26" refers to 26 specific tasks deployed around key areas.

　　In order to further optimize the business environment and open up online and offline closed-loop services for pollution reduction and carbon reduction, the WeChat applet "Longgang Environmental Assistant" and the mobile APP application "Qingbaobao" were also launched at the event site, providing enterprises with "ordering" guidance services and solving two major problems of site selection and industrial solid waste treatment. At the same time, Longgang has also built a "green treasure box" with enterprises. When the mobile phone is swept away, renewable resources can be recycled, which will boost the circular economy and the acceleration of green and low-carbon life.

According to The Paper’s report on the 4th, the name of businessman Shi Zengchao once enjoyed a good reputation in Ningbo’s political and business circles: there are many companies under his name, covering textiles, mining and import and export trade; The self-created textile brand "CheTex" went to Africa as early as the beginning of the new century, and the legendary story of ten years of gold digging was frequently reported in newspapers. He is also a caring person who is keen on public welfare and invested in the construction of Hope Primary School in Chishou Township, Songyang County, Lishui City. He was also a member of the economic sector of the Fourth CPPCC in Jiangbei District of Ningbo and a municipal people’s supervisor elected by the Zhejiang Provincial Department of Justice in 2015 …

The inflection point appeared on September 7, 2016. On the same day, Wang Meng, a girl adopted by Shi Zengchao for 8 years, reported to Xinming Police Station of Yinzhou Branch of Ningbo Public Security Bureau that she had been molested and raped by Shi Zengchao since she was 7 years old, which lasted for several years. During this period, Huang Chunmiao, one of Shi Zengchao’s mistresses, assisted Shi in raping her several times.After the incident, Shi Zengchao fled Africa (now listed as a Hongtong person). In November of the same year, another suspect, Huang Chunmiao, was criminally detained by Ningbo police.

Recently, The Paper learned about the latest development of this case from the online judgment documents of China. The People’s Court of Yinzhou District, Ningbo City found through trial that,Huang Chunmiao was sentenced to 13 years in prison according to law for committing rape and indecency against girls under the age of 14 for a long time with others, which constituted the crime of rape and child indecency.

Online "looking for a girl": adopting a 7-year-old girl without going through the adoption procedures.

When I first met Huang Chunmiao, whom she later called "Sister Vivi", Wang Meng was only seven years old. In 2001, Wang Meng was born in Beijing. When he was two or three years old, his mother Zhang Guiying left home without her and several other children.

In 2008, Wang Meng’s father died. The first-instance judgment of Huang Chunmiao’s case found that in October 2008, Huang Chunmiao pretended to be Shi Zengchao’s wife and together with Shi Zengchao "adopted" Wang Meng from Wang Meng’s half-sister Wang Yang, but did not go through the adoption formalities.

According to Wang Yang’s testimony, after his father died, he consulted the adoption procedures on the orphanage website and left his own email address, hoping to find someone to adopt Wang Meng. After a month or two, Shi Zengchao contacted him by email address. After they met in Shanghai in mid-September, 2008, Shi Zengchao said that he was busy at work and that his "wife" Huang Chunmiao would contact him in the future. Soon, Wang Meng was "adopted" by Huang Chunmiao at his residence in Ningbo.

Huang Chunmiao, born in 1987, was only a 21-year-old college student. The Yinzhou District Court of Ningbo found out that in the process of communication with Shi Zengchao, Shi Zengchao asked her to post on the Internet to adopt a younger girl, and Huang Chunmiao agreed. It was at this time that Huang Chunmiao saw the mailbox left by Wang Yang under the consultation column of adoption procedures on the orphanage website.

The Paper noted that Article 15 of the Adoption Law of People’s Republic of China (PRC) promulgated in December 1991 clearly stipulated that adoption should be registered with the civil affairs department of the people’s government at or above the county level. Where an abandoned baby or child whose biological parents cannot be found is adopted, the civil affairs department that handles the registration shall make an announcement before registration.

In addition, the Adoption Law also stipulates that adoptees refer to minors under the age of 14 who cannot live with their parents due to special reasons, including orphans who have lost their parents, abandoned babies and children who can’t find their biological parents, and children whose biological parents have special difficulties and are unable to raise their children. The adopters prescribed by law should also be guardians of orphans, social welfare institutions and biological parents who have special difficulties and are unable to raise their children.

Wang Meng was "adopted" without going through any formalities. Zhang Guiying, the mother, said that she didn’t know her daughter was no longer in Shanghai until early 2009, and she was "taken away by a Ningbo family with better conditions".

Two-faced Characters: Pioneers in the Media Spotlight

The "good conditions" in Zhang Guiying’s mouth correspond to the export trade with Africa that Shi Zengchao managed for several years before the incident.

"The story of starting a business can’t be told for three days and three nights, and I am destined for Africa in my life." According to previous media reports, Shi Zengchao has been engaged in textile foreign trade business in Ningbo since he graduated from university in 1994, and in 1998, he established Ningbo Jinsheng Haida Company, which is mainly engaged in African textile fabric business. In March, 1999, Jinsheng Haida set up its first branch in Benin, Africa, and its export value in that year exceeded 10 million US dollars.

Shi Zengchao was interviewed by Ningbo media in Africa.(Source: WeChat WeChat official account "No.4 Qiyang Road")

However, when The Paper consulted the industrial and commercial information, he found that Ningbo Jinsheng Haida Import and Export Co., Ltd. was actually established in February 2005, and its business scope showed food wholesale and retail; Self-management and agency of import and export business of all kinds of goods and technologies; Wholesale and retail of fuel oil, nonferrous metals, chemical products (except dangerous goods) and mineral products.

According to the report of ningbo evening news on October 24th, 2013, at that time, Jinsheng Haida had seven branches in six African countries, mainly in West Africa and East Africa, employing more than 800 African-American employees, and the textile price of its own brand CheTex was even more than 10% more expensive than that of its peers.

At that time, Shi Zengchao also drew a magnificent blueprint for Jinsheng Haida: "I will speed up the establishment of a sales network and channels covering the whole of Africa, and my goal is to be the NIKE of Africa".

On December 19th, 2014, when the first overseas chamber of commerce in Ningbo was established in Benin, Shi Zengchao also publicly stated that CheTex had firmly taken the "top spot" of China textiles in Africa.

According to Phoenix Finance, since 1998, Shi Zengchao has established branches in Benin, Nigeria, Senegal, Gambia, Mali, Lomé and other countries. In 2012, he also founded the China-Africa Chamber of Commerce in Nigeria and served as the president himself.

Besides being a successful businessman, Shi Zengchao often appears in public as a caring person.

In 2008, Shi Zengchao and his wife Xie Mou invested to build a teaching building for Chishou Township Central Primary School in Songyang County, Lishui City, Zhejiang Province, and later the school was renamed "Chaoning Hope Primary School". On November 15th, 2008, Shi Zengchao went to Chaoning Hope Primary School in Chishou Township to visit teachers and students, and donated more than 2,000 extra-curricular reading materials at the official website of the Communist Youth League Committee in Zhejiang Province. He was accompanied by the then Deputy Secretary of the Communist Youth League Committee.

With the gradual growth of business, Shi Zengchao’s relationship with local political circles has become increasingly close.In January 2012, Shi Zengchao was elected as a member of the economic sector of the Fourth CPPCC in Jiangbei District, Ningbo. In July 2015, Shi Zengchao was among the first 1,154 people’s supervisors selected by the Zhejiang Provincial Department of Justice.

Sexual assault: collaborating with mistresses and raping young girls more than 20 times in three years.

After being adopted by Shi Zengchao, Wang Meng’s nightmare began.

The verdict found that Shi Zengchao had molested Wang Meng and Huang Chunmiao had assisted him.

On November 29th, 2009, Wang Meng ran away from home, unable to bear the indecency. Evidence shows that two days later, Huang Chunmiao went to Jiangxia Police Station of Haishu Branch of Ningbo Public Security Bureau to report that Wang Meng was missing. On December 9 of the same year, Huang Chunmiao took Wang Meng back from Jiangxia police station.

The Yinzhou District Court found that during the three years after Wang Meng returned, Shi Zengchao raped him more than 20 times, and Huang Chunmiao assisted him many times. Since 2012, Shi Zengchao has taken Huang Chunmiao and Wang Meng to live in Jinhua. Huang Chunmiao arranged for Wang Meng to rent alone in a residential area in Wucheng District, and lied to the landlord that Wang Meng was his sister. During this period, Huang Chunmiao would take Wang Meng to the hotel to have sex with Shi Zengchao every once in a while.

In May 2014, Huang Chunmiao brought Wang Meng back to Ningbo at the behest of Shi Zengchao, and rented a house separately in Yinzhou District, and Shi Zengchao paid the rent. Until January 2015, before another mistress of Shi Zengchao, Li Li, moved in, Wang Meng lived alone.

Li Li also admitted in her testimony that she had sex with Shi Zengchao when Wang Meng was present, while Wang Meng was watching TV and playing computer. Li Li also said that the three of them had sex together many times.

In 2015, Shi Zengchao once again changed a residence in the high-tech zone for Wang Meng, but Wang Meng said that history still comes once a week or 10 days.

According to the verdict, in the past eight years, at least three mistresses of Shi Zengchao once had a relationship with Wang Meng.

When it came to light, the suspect fled Africa and a mistress was sentenced to 13 years.

According to the testimony of a mistress named Shen, Shi Zengchao once entrusted her to look for two runaway junior high school girls in a Baidu post bar named "Run away from home" in addition to Wang Meng, who was "adopted". Xu Yan is one of them. In October 2007, she left home and came to Ningbo.

On August 12, 2016, taking advantage of Xu Yan’s stay in Ningbo, Wang Meng went to her hotel and cried that she was sexually assaulted by Shi Zengchao when she was 7 or 8 years old. On August 31 of that year, Wang Meng went to Shanghai to find Xu Yan. "I have been crying about Shi Zengchao." Xu Yan advised her to call the police.

On September 7, 2016, Wang Meng came to Xinming Police Station of Yinzhou Branch of Ningbo Public Security Bureau to report the case. According to Wang Yang’s testimony, after the police intervened in the investigation, Shi Zengchao called Wang Yang, saying that he and Wang Meng were "affectionate", not rape, and hoped to drop the case. Shi Zengchao also asked Wang Yang to persuade Zhang Guiying to do Wang Meng’s ideological work. After Wang Yang refused, the two sides lost contact.

However, the testimony of Shi Zengchao’s other mistress surnamed Mao said that she met Wang Meng in Thailand half a month after he reported the case, that is, on September 23, 2016. When Shi Zengchao met, he said that a girl said that he raped and extorted 200,000 yuan. He didn’t give it, and the girl called the police. The chat record between her and Shi Zengchao retrieved by the police from Wang Meng’s mobile phone shows that Wang Meng once asked why Shi Mochao raped her when she was seven or eight years old. Shi Mochao replied: This matter needs to be interviewed.

However, since mid-September, Shi Zengchao has never appeared in Ningbo. Afterwards, Shi Zengchao’s wife Xie confirmed that he had gone abroad in mid-September 2016 and was in Nigeria, Africa.

On November 22, 2016, Huang Chunmiao in the same case was arrested by the police in the residence of No.76 Baoping Road, Xiguan Street, Wucheng District, Jinhua City.

Shao Jianwei, defender of Huang Chunmiao and lawyer of Zhejiang Shouwang Law Firm, said in court that Huang Chunmiao was an accomplice because he was not deeply involved in the world and could not resist the temptation of money and feelings. In response to this defense opinion, the court finally did not adopt it.

During the trial of the case, Huang Chun Miao’s family paid Wang Meng 100,000 yuan in compensation, and Wang Meng voluntarily gave up other civil compensation claims against Huang Chunmiao and asked the court to give him a lighter punishment.

In December 2017, the People’s Court of Yinzhou District, Ningbo City, Zhejiang Province found through trial that Huang Chunmiao was sentenced to 13 years in prison for committing rape and indecent assault on girls under the age of 14 with others for a long time, which constituted the crime of rape and indecent assault on children.

The verdict also shows that Shi Zengchao has been pursued by the public security organs by issuing a red wanted order.

In the judgment, witness testimony revealed Shi Zengchao’s QQ number. On July 2, 2018, The Paper became a friend with the QQ account on the judgment, and asked him about the current operation of Shi Zengchao as a job seeker. The other party responded that "there is no recruitment at present". According to media reports, after Shi Zengchao fled to Africa, the company under his name encountered many lawsuits. Zhong Ming, an attorney of some cases and a lawyer of Zhejiang Hechuang Law Firm, said in an interview with the media that Jinsheng Haida Company had suspended its business due to poor management.

(Wang Meng, Wang Yang, Zhang Guiying, Li Li and Xu Yan are pseudonyms)

　　"Building a new development pattern with the domestic big cycle as the main body and the domestic and international double cycles promoting each other is a major decision made according to the changes in China’s development stage, environment and conditions, especially based on the changes in China’s comparative advantages."

　　In the important speech recently published by Qiushi magazine, General Secretary of the Supreme Leader, "Implementing the new development concept in the new development stage will inevitably require the construction of a new development pattern", General Secretary of the Supreme Leader comprehensively analyzed and explained the construction of a new development pattern, and asked the whole party to accurately grasp the strategic concept of accelerating the construction of a new development pattern from a global and strategic perspective. The general secretary pointed out that building a new development pattern is "a first move to grasp the initiative of development, not a forced move or an expedient measure", "an open domestic and international double cycle, not a closed domestic single cycle" and "a domestic large cycle based on a unified national market as the main body, not a small self-cycle everywhere". The general secretary stressed that building a new development pattern "is a systematic and deep-seated change that concerns the overall situation, and a strategic plan based on the present and with a long-term perspective". Fundamentally speaking, "it is an inevitable choice to adapt to the requirements of China’s new stage of development and shape new advantages in international cooperation and competition".

　　Building a new development pattern is a systematic project. It is necessary to "focus on the top", strengthen strategic planning and top-level design, and "divide it into details" to grasp the focus of work.

　　"Accelerate the cultivation of a complete domestic demand system".This is an important foundation for unblocking the national economic cycle and strengthening the main position of the domestic big cycle. Market resources are China’s great advantage, and we must constantly consolidate and strengthen this advantage to provide strong support for building a new development pattern. It is necessary to promote deep-seated reform and strengthen policy guidance, and strive to get through the key blocking points that restrict the economic cycle; Taking meeting domestic demand as the basic foothold, we will form a higher level dynamic balance of demand pulling supply and supply creating demand; Strengthen the construction of modern circulation system and lay a solid foundation for domestic and international double circulation.

　　"Accelerate the self-reliance and self-improvement of science and technology".This is the key to ensure the smooth domestic circulation and shape China’s new advantages in the international circulation. General Secretary of the Supreme Leader has repeatedly stressed that the most essential feature of building a new development pattern is to achieve a high level of self-reliance and self-improvement. We should understand this issue from the perspective of survival and development, comprehensively strengthen the deployment of scientific and technological innovation, and give full play to the supporting role of science and technology. It is necessary to lay a solid foundation for key core technologies and accelerate the capture of "stuck neck" technologies in important fields; Fully stimulate the innovation vitality of talents, create more world-class leading scientific and technological talents and innovative teams, and cultivate a reserve army of young scientific and technological talents with international competitiveness.

　　"Promote the optimization and upgrading of industrial chain supply chain".This is an urgent need to stabilize the main position of the domestic big cycle and enhance the driving ability in the international big cycle. Manufacturing is the lifeblood of China’s economy, the foundation of the country and the foundation of a strong country. This time, China’s complete manufacturing system has played a vital supporting role in the fight against the COVID-19 epidemic, which once again proves the significance of manufacturing to the development and security of the country, especially big countries. We should attach more importance to enhancing the toughness and competitiveness of the industrial chain, and strive to build an independent, controllable, safe and efficient industrial chain supply chain; Take effective measures to improve the embeddedness of enterprises and promote the orderly transfer of industries in China.

　　"Promote the modernization of agriculture and rural areas".Urban-rural economic cycle is an important aspect of domestic macro-cycle, and it is also a key factor to ensure the healthy relationship between domestic and international two cycles. If the nation is to be revived, the countryside will be revitalized. Realizing the modernization of agriculture and rural areas is an important task of building a socialist modern country in an all-round way and an inevitable requirement to solve the problem of insufficient development imbalance. We must persist in taking solving the "three rural issues" as the top priority of the whole party’s work and fully implement the rural revitalization strategy; Realize the effective connection between consolidating and expanding the achievements of poverty alleviation and rural revitalization, and promote economic and social development and improvement of people’s lives; Persist in promoting the structural reform of agricultural supply side, and strengthen the construction of grain production functional areas, important agricultural product production protection areas and characteristic agricultural product advantage areas; Ensure that the grain is basically self-sufficient and the rations are absolutely safe, and ensure that Chinese’s rice bowl is firmly in his own hands.

　　"Improve people’s quality of life".This is the starting point and the end result of the smooth domestic circulation, and it is also the key connection point for the mutual promotion of domestic and international double circulation. Everything our party has done is to make people’s lives happier and more dignified. It is the fundamental purpose of socialist production to adapt to the changes in people’s needs, strive to run various livelihood undertakings well, and make people’s lives better and better. It is necessary to adhere to the principle of distribution according to work and the coexistence of various modes of distribution, effectively protect the treatment and rights of workers, and continuously expand middle-income groups; Adhere to the problem orientation, do our best and do what we can, solidly promote common prosperity, and constantly enhance the people’s sense of acquisition, happiness and security.

　　"firmly hold the bottom line of safe development."This is an important prerequisite and guarantee for building a new development pattern, and it is also the proper meaning in the problem of unblocking the domestic big cycle. Security is the premise of development, and development is the guarantee of security. We must adhere to the overall concept of national security, adhere to the supremacy of national interests, take people’s security as the purpose, take political security as the foundation, and strengthen the national security system and capacity building; Grasp the relationship between openness and security, weave an open safety net tightly, and enhance the ability to dynamically safeguard national security in the opening environment; Put the protection of people’s lives and safety in the first place, comprehensively improve the ability of public security, and promote people’s living and working in peace and contentment, social stability and order, and long-term national stability.

　　(Editor: Yin Xia, Chen Yilin)

????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.
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