????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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Foreword

　　Since the 18th National Congress of the Communist Party of China, the General Secretary of the Supreme Leader has attached great importance to seed industry, and repeatedly stressed the need to make up his mind to develop national seed industry and ensure national food security from the source. When the General Secretary of the Supreme Leader presided over the deliberation of the seed industry revitalization action plan in 2021, he emphasized that agricultural modernization is based on seeds, and the safety of seed sources should be raised to a strategic level related to national security. The 20th National Congress of the Communist Party of China put forward the important task of accelerating the construction of a strong agricultural country and consolidating the foundation of food security in all directions, and called for in-depth implementation of the seed industry revitalization action. At the Central Rural Work Conference in 2022, the General Secretary of the Supreme Leader emphasized that the seed industry revitalization action should be effectively achieved and the home-grown varieties should be firmly in their own hands. These important instructions and strategic arrangements have pointed out the way forward and provided fundamental follow-up for promoting the revitalization of seed industry in the new era and new journey.

　　In recent years, it is an important period for the rapid development of seed industry in China. The vitality of breeding innovation has been released and the pace of variety breeding has been obviously accelerated. In terms of the number of varieties, the number of approved varieties has increased greatly, providing more varieties for agricultural production; In terms of variety quality, high-quality green varieties are accelerated, which provides an important variety guarantee to meet the needs of people’s better life; In terms of variety types, special varieties have been approved one after another, which provides strong variety support for adapting to the transformation of agricultural production mode. At the same time, we should also see that with the rapid growth of the number of varieties, the problem of homogenization of varieties has become increasingly prominent, which is not conducive to the innovation and upgrading of varieties, but also brings difficulties to farmers’ scientific selection and use of seeds.

　　Ensuring the stable and safe supply of grain and important agricultural products has always been a top priority in building an agricultural power, and breeding and popularizing excellent varieties plays an important role in achieving this major strategic goal. In order to speed up the popularization and application of excellent varieties, improve the yield and quality level, and help guide farmers to select seeds scientifically and use seeds correctly, the Ministry of Agriculture and Rural Affairs has decided to compile and publish a national catalogue for the promotion of excellent varieties of crops from 2023, effectively guiding the industry to focus on demand breeding innovation and speeding up the upgrading of varieties.

I. General situation

　　In 2023, this catalogue will release 10 kinds of crops, including rice, wheat, corn, soybean, cotton, rape, peanut, potato, Chinese cabbage and cabbage, focusing on classification to guide the popularization and application of crop varieties. The released varieties include four types, including backbone type, growth type, emerging type and special type, forming a relatively complete variety promotion echelon to better serve the needs of agricultural seeds and farmers’ seed selection.

　　The backbone varieties have been approved (registered) for more than five years, the main grain, cotton and oil varieties have entered the top 10 in the suitable ecological area for three consecutive years, and the key vegetable varieties have entered the fifth place in the country for three consecutive years.

　　The growing variety has been approved (registered) for promotion for more than three years, and has outstanding performance in the national core exhibition base or provincial exhibition evaluation. The promotion area has increased rapidly, and it has entered the top 30 in the suitable ecological area (grain, cotton and oil) or the national (key vegetables), and is expected to grow into a backbone variety.

　　The budding variety is approved (registered) and popularized within three years, with good yield, resistance and quality, excellent comprehensive characters, excellent performance in the national core exhibition base or provincial exhibition evaluation, and great market potential. The formation enterprise or the integrated enterprise of breeding, breeding and promotion plans to promote it, and it is expected to further become a growing and backbone variety.

　　Specially-specialized varieties are newly approved (registered), meet the consumption needs of diversified markets, and can significantly improve the utilization rate of resources such as land, fertilizer, water, light and temperature, or have made breakthroughs and qualitative improvements in yield, resistance, quality, growth period, mechanization and new farming systems (such as ratooning rice and strip compound planting).

　　According to the above classification principle, based on the data of variety test, exhibition evaluation, statistics of main varieties’ extension area and production and operation of seed enterprises, recommended by provincial seed industry management departments and selected by experts, a total of 241 excellent varieties were introduced in 2023, including 36 rice, 29 wheat, 32 corn, 13 cotton, 22 soybeans, 26 rapeseed, 22 peanuts, 20 potatoes and 21 Chinese cabbage.

Second, rice varieties

　　(a) backbone varieties (10)

　　Longjing 31, Nanjing 9108, Huang Huazhan, Jingliangyou 534, Jingliangyou Huazhan, Zhongjiazao 17, Longliangyou Huazhan, Quanyou 822, Yixiangyou 2115 and Meixiangzhan 2.

　　(2) Growing varieties (9)

　　Suijing 27, Jingliangyou 8612, Longliangyou 534, Yexiang Youlisi, Zhongzao 39, Quanyou Silk Miao, Quanliangyou Silk Miao, Yongyou 1540 and Nanjing 5718.

　　(3) Emergent varieties (15 varieties)

　　Weiliangyou 7713, Chuankangyou 2115, Taiyou 808, Weiliangyou 8612, Liangyou 5078, Tsuen Liangyou 069, Zhongzheyou H7, Tsuen Liangyou 1606, Yulongyou 1611, Jiuyou27, Huazheyou 210, Zhuoliangyou 1126, Ningxiangjing No.9 and Qing Xiang Youxiang No.19.

　　(4) Specially specialized varieties (2)

　　Hanyou 73 (water-saving and drought-resistant rice) and Fengliang You Xiang No.1 (ratooning rice).

Third, wheat varieties

　　(a) backbone varieties (10)

　　Jimai 22, Bainong 207, Xinong 979, Zhengmai 379, Shan Nong 28, Luyuan 502, Chuanmai 104, Zhenmai 12, Zhongmai 175 and Zhongmai 1062.

　　(2) Growing varieties (8)

　　Jimai 44, Bainong 4199, Xinong 511, Zhoumai 36, Chuanmai 605, Ningmai 26, Luohan 22 and Zhongmai 36.

　　(3) Emergent varieties (9)

　　Zhongmai 578, Aimai 180, Jimai 765, Lunxuan 49, Chuanfu 14, Chuanmai 93, Young Mai 33, Huamai 11 and Weimai 9.

　　(4) Specially specialized varieties (2)

　　Jingmai 188 (salt-tolerant wheat) and Xiaoyan 60 (salt-tolerant wheat).

Fourth, corn varieties

　　(A) backbone varieties (11)

　　Zheng Dan 958, Xianyu 335, Jingke 968, denghai 605, Demeiya 1, Demeiya 3, Heyu 187, SEAO 29, Jingnongke 728, Zhongdan 808 and Zhengda 808.

　　(2) Growing varieties (8)

　　Yufeng 303, Zhongke Yu 505, Zhengyuanyu 432, Dongdan 1331, Youdi 919, Qiule 368, Xianda 901, MC121.

　　(3) Emergent varieties (8)

　　Jingke 999, Agricultural University 778, Xinghui 908, Zhongyu 303, Luodan 297, Shandan 650, Xiangyu 878 and Tie391.

　　(4) Specially specialized varieties (5)

　　Jingkenuo 2000 (fresh waxy corn), Wannuo 2000 (fresh waxy corn), Jinguan 218 (fresh sweet corn), Beinong Silage 368 (silage corn) and Shenbao 6 (popcorn).

Five,Soybean varieties

　　(a) backbone varieties (10)

　　Heihe 43, Qihuang 34, Keshan 1, Dengke 5, Zhonghuang 13, Jinyuan 55, Jidou 12, Henong 95, Dongnong 63 and Huajiang 2.

　　(2) Growing varieties (6)

　　Suinong 52, Heinong 84, Zhonghuang 901, Mengdou 1137, Hedou 33 and Henong 85.

　　(3) Emergent varieties (2)

　　Sui Nong 94, Zheng 1307.

　　(4) Specially specialized varieties (4)

　　Suitable for soybean and corn strip compound planting: Handou 13, Xudou 18, Nanxiadao 25 and Jidou 17.

Six, rape varieties

　　(a) backbone varieties (9)

　　Fengyou 737, Fengyou 730, Huayouza 62, zhongshuang 11, Huayouza 9, Sunshine 2009, Qinyou 10, Zheyou 50 and Qingza 5.

　　(2) Growing varieties (6)

　　Qingyou 3, Zhongyouza 19, Dadi 199, Huayouza 50, Ganyouza 8 and Qingza 12.

　　(3) Emergent varieties (6)

　　Zhongyouza 501, Changyou 777, Chuanyou 81, Qinyou 1618, Ningza 182 and Baoyou 150.

　　(4) Specially specialized varieties (5)

　　Sunshine 131 (short-growing rape), Fengyou 320 (short-growing rape), Huayouza 62R (clubroot-resistant rape), Huayou 2129 (high-oleic rape) and Kangyou 3 (yellow-seeded high-oleic rape).

Seven, peanut varieties

　　(a) backbone varieties (9)

　　Shanhua 9, Yuhua 37, Shanhua 7, Yuanza 9102, Huayu 23, Yuhua 23, Huayu 25, Wanhua 2 and Zhongkaihua 1.

　　(2) Growing varieties (4)

　　Yuhua No.22, Kainong No.71, Jihua No.19 and Fuyu are four red.

　　(3) Emergent varieties (5)

　　Hanghua 2, Yuhua 18, Tianfu 33, Yuhua 93 and Zhonghua 215.

　　(4) Specially specialized varieties (4)

　　Jihuatian No.1 (high sugar content fresh food), Shuhua No.9 (high sugar content fresh food), Jihua No.23 (extra-early-maturing variety) and Yuhua No.29 (black peanut variety).

Eight, cotton varieties　

　　(a) backbone varieties (5)

　　Lumianyan 37, Xinluzhong 67, Xinluzhong 66, Huiyuan 720 and Hua Zamian H318.

　　(2) Growing varieties (3)

　　Tahe 2, Xinluzao 84 and Xinluzhong 87.

　　(3) Emergent varieties (2)

　　Zhong 7700 and Zhongshengmian 17.

　　(4) Specially specialized varieties (3)

　　Yuanmianxin 13305 (machine-harvested variety), Gangzamian 10 (special high-strength variety) and Zhongmian 425 (early-maturing variety).

Nine, potato varieties

　　(a) backbone varieties (4)

　　Feiwuruita, Jizhangshu No.12, Longshu No.7, Atlantic Ocean.

　　(2) Growing varieties (6)

　　Lishu 6, Zhongshu 5, Jinshu 16, Longshu 10, Xisen 6 and Yunshu 505.

　　(3) Emergent varieties (6)

　　Zhongshu 27, Zhongshuzao 35, Longshu 12, Minshu 1, Qianyu 8 and Hubei Potato 16.

　　(4) Specially specialized varieties (4)

　　Zhongshuzao 39 (fresh, starch-processed variety), Dongnong 310 (starch-processed variety), Kexin 30 (fresh, fried chips and fried strips) and Yunshu 304 (fried chips, fried strips and zinc-rich potato chips).

X. Varieties of Chinese Cabbage

　　(a) backbone varieties (9)

　　Improved Qingza No.3, Jiaoshu Qiuqiu Wang, Zaoshu No.5, Xixing 90, Jingqiu No.3, Niupai No.19, Hualiang 836, Xixing 78 and Jingyan Kuaicai No.2..

　　(2) Growing varieties (8)

　　Jingyan Fast Food, CR117, Xiaoyi Heqiu, Xinxiang Xiaobao 23, Qinghua 76, Hualiang 2000, Qiulv 60 and Youlv 3.

　　(3) Emergent varieties (2)

　　Sagitar 8, Jingqiu 1518.

　　(4) Specially specialized varieties (2)

　　Dongguan 097 (high taste quality variety) and Lvzhu70 (high taste quality variety).

Eleven, cabbage varieties

　　(a) backbone varieties (3)

　　Jingfeng 1, Zhonggan 11 and Zhonggan 21.

　　(2) Growing varieties (8)

　　Zhonggan 8398, Zhonggan 628, Zhonggan 56, Zhonggan 15, Chunfeng, Zhengchun, Xiyuan No.4 and Qiushi No.1..

　　(3) Emergent varieties (9)

　　YR zhonggan 21, zhonggan 1305, xinggan 23, bright ball, shuanghuan 60, prospect 2, full moon 55, xinggan 279 and chunfeng 007.

　　

　　

　　See the annex for the text.

　　Joint Declaration Property enterprises, as the front-line guarantee units for the efficient operation of the city, quickly threw themselves into the prevention and control work after the outbreak, set up headquarters and regional epidemic prevention teams in succession, actively assumed social responsibilities and implemented relevant national epidemic prevention policies. Jiahe Jiaye Property Service Research Institute, as a professional leader in the property industry, fully affirmed the important role of the property industry in this epidemic prevention battle. At the beginning of the epidemic, it put forward the prevention and control principle of "the first line of treatment is in medical treatment, and the first line of epidemic prevention is in the property".

　　On February 6th, Jiahe Household collected and summarized the epidemic prevention experience of 16 top 100 property enterprises, and launched the Epidemic Prevention Guide for Residential Property Version 1.0 (click the blue font to see the details). After the guide was issued, we successively received epidemic prevention solicitation letters from many property enterprises. Through continuous iteration and summarization, up to today, we have combined the excellent epidemic prevention experience of 33 top 100 property companies, jointly established a research group on special service topics of property management industry, and summarized and launched a more comprehensive and perfect "COVID-19 Epidemic Prevention Guide for China Property Management Industry (Commercial Property) Version 1.0".

　　At present, the member units of the research group have accumulated a management area of over 2.5 billion square meters, covering 31 provinces, nearly 400 cities and counties and over 50 million owners, and can sum up representative industry standards.

　　Recently, enterprises will resume work in full swing. In order to help property enterprises to carry out epidemic prevention in office buildings, industrial parks, hotels and other commercial offices in various cities smoothly, ensure the normal operation of enterprises, and also sum up their experience in epidemic prevention in commercial offices in the future, Jiahe Family Industry has jointly established a joint prevention and control mechanism for commercial property epidemics with a number of outstanding commercial property enterprises in the industry.

　　The establishment of the joint prevention and control mechanism aims to quickly respond, coordinate linkage, and combine excellent practical cases and valuable experience of enterprises to write and launch a set of standardized and refined guidelines for epidemic prevention of commercial properties to fight the epidemic. In the future, we will continue to introduce the research system, service standards and excellent service experience of the property industry to the industry.

　　This "China Property Management Industry novel coronavirus Epidemic Prevention Guide (Commercial Property Edition) Version 1.0" focuses on effectively preventing the epidemic from spreading in commercial projects, and extracts 20 detailed rules and 62 measures from 7 dimensions, and shares the characteristic commercial epidemic prevention cases of excellent property enterprises.

　　Research Group on Special Service of Property Management Industry (to be established)

　　February 24, 2020

　　China Property Management Industry COVID-19 Epidemic Prevention Guide (Commercial Property Edition) Version 1.0.

　　First, the property organization and management criteria

　　1. Set up a commercial epidemic prevention special team (1) Set up a commercial epidemic prevention team led by the corporate headquarters to make unified arrangements for epidemic prevention work; (2) On the basis of the previous work, through combing and induction, a Handbook on Epidemic Prevention for Commercial Offices, industrial parks and other commercial offices is refined.

　　(3) All commercial projects are revised and improved according to their own project characteristics and the latest requirements of the local government, so as to fully implement the normative, scientific and effective prevention and control measures.

　　2. Establish close contact with the resident units.

　　(1) Inform the resident unit of the current work and preparations made by the property management company, as well as the matters needing attention and suggestions on epidemic prevention measures of the resident unit, and remind them to work in isolation and peak shift; (2) Send a survey form to the docking person of the stationed unit, count the time of returning to work of the stationed unit and the situation of Hubei employees, and ask the personnel from Hubei area or who have contacted Hubei (including those who will be employed after the year) to isolate themselves for 14 days, and only after the observation period is confirmed to be asymptomatic can they enter the building for work;

　　(3) Keep real-time communication with the resident units, and report any abnormality immediately.

　　3. Implement relevant policies of local government.

　　(1) Assign special personnel to communicate with the local government departments, receive, publicize and execute the epidemic prevention documents issued by the government departments, and ensure that the health and epidemic prevention, market supervision and housing construction departments in the jurisdiction should achieve joint prevention and control, and ensure that all prevention and control measures are implemented; (2) Strengthen the information submission, and each property service enterprise shall report the epidemic prevention and control work within 24 hours before 12:00 noon every day to the resident unit and the community (town office);

　　(3) Those who fail to perform their duties in the epidemic prevention and control work and cause epidemic harm will be investigated for responsibility according to law.

　　Second, the staff management guidelines

　　1. Internal training of employees (1) Property companies set up special epidemic prevention teams to conduct unified epidemic prevention training for employees, explaining in detail the knowledge of epidemic prevention and control, the basic knowledge of disinfection and disinfection, and the correct configuration of disinfectant;

　　(2) Training and management of outsourced units (cleaning personnel).

　　2. Employee health management

　　(1) All employees shall be quarantined for 14 days before returning to work; (2) After employees take up their posts, they shall adhere to the system of submitting daily health information to employees, and require all employees of the company to report their health status twice before going to work and before leaving work every day;

　　(3) Establish a ledger to ensure that epidemic prevention services are safer and better.

　　Three, personnel in and out of the management criteria

　　1. Entrance and exit of the building (1) The property management company arranges special personnel to check the wearing of masks for all people entering and leaving the building. The wearing of masks must be in accordance with the norms and safety, and those who do not cooperate are not allowed to enter the building; (2) All personnel entering and leaving the building must complete the temperature test at the entrance and cooperate with the building staff to sign the Personal Health Commitment and Epidemic Prevention Book. Only after passing the temperature test and signing the letter of commitment can they enter the building;

　　(3) Assign special personnel to guide the personnel entering and leaving the building, so as to reduce the waiting time of the personnel in line, which not only ensures the effective control of the personnel entering and leaving the building, but also does not affect the personnel entering the building.

　　2. Parking lot

　　(1) Arrange a special person at the entrance of the parking lot to strictly control and monitor the body temperature of all the people entering the garage; (2) The white list issued by those with normal body temperature shall be recorded and kept, and no entry conditions shall be allowed;

　　(3) The fresh air in the underground parking lot shall last no less than 4 hours a day, and the vehicle parking area and main roads shall be disinfected no less than 2 times a day.

　　3. High exposure population

　　While prohibiting high-exposure people such as express delivery and take-out from entering the building, it is necessary to ensure that these items can reach customers safely and on time. (1) For express delivery, express delivery pick-up points can be set up in specific areas of the building, and the temperature of the courier can be detected and the express delivery disinfected to eliminate hidden dangers;

　　(2) For take-out, set up take-out and take-out points, and prohibit take-out and take-out personnel from entering the building, so as to reduce the risks brought by outsiders.

　　IV. Guidelines for Prevention and Control of Public Areas

　　1. Elevator (1) Restrict the passenger flow in the external area of the elevator, guide the owners of low floors to choose the stairs as far as possible, and try to avoid taking the elevator; (2) Reduce the density of people in the elevator hall and the number of people taking the elevator; (3) Cover the elevator button with plastic wrap and change it every hour; (4) In order to avoid cross-infection, the elevator car shall be disinfected once every hour, and the ratio concentration of disinfectant shall be increased;

　　(5) Put paper towels in the elevator car for people coming and going.

　　2. Central air conditioning system

　　(1) During the epidemic period, in order to avoid air cross-contamination, the return air valve of the floor air-conditioning treatment unit was closed, and the fresh air valve was fully opened, so that the system was turned into a new air mode; (2) Disinfect the air conditioning unit every week; (3) Open fresh air from 8: 00 to 18: 00 every day to ensure indoor air circulation;

　　(4) Give priority to natural wind ventilation to ensure smooth indoor air.

　　3. Office area

　　(1) Customize disinfection of the office area of the resident unit, and advocate regular ventilation in the office area; (2) When customers use the meeting for too long, remind them to open the window for ventilation once, and the time is not less than 5 minutes; (3) When no one uses the conference room, ventilate the doors/windows; (4) Ventilation for 2-3 times a day, each time for not less than half an hour;

　　(5) All control panels in the conference room shall be disinfected and covered with film, and the remote control equipment shall be covered with film and replaced every 2 hours;

　　4. Bathroom

　　(1) carry out high-frequency disinfection on the bathroom and strengthen ventilation; (2) Focus on the protection of hand contacts such as door handles and faucets, and increase the frequency of cleaning; (3) Adding antibacterial hand gel; (4) The exhaust fan in the toilet is always open;

　　(5) At the same time, increase the disinfection frequency depending on the number of users.

　　5. Functional area of the building

　　(1) The rest tables and chairs in the smoking area should be evacuated to avoid employees staying or gathering; (2) Stop using the visitor plane in the lobby to avoid infection brought in by outsiders;

　　(3) The maternity room and gym are suspended;

　　6. Building Restaurant

　　(1) Strengthen the health supervision of the staff of the catering company in the building, require the staff of the catering company to monitor their body temperature twice a day, and report to the property management company, and monitor the body temperature of the staff who enter the restaurant to take meals to ensure the safety and health of customers; (2) Dining staff in the building should adopt a separate dining system, and the staff should be equipped with separate tableware, and it is forbidden to gather and eat face to face;

　　(3) The temperature in the center of the meal is not lower than 75 degrees Celsius. All raw and cold meals should be suspended, and take-away food should be used instead of in-class food. Bring your own lunch box and have a healthy meal.

　　Five, prevention and control information publicity guidelines

　　1, offline publicity (1) set up "epidemic prevention and control" related signs indoors and outdoors; (2) Make publicity and guidance in conspicuous positions such as bulletin boards and elevator entrances of the building to enhance the protection awareness of merchants and employees; (3) Follow up the latest epidemic prevention measures and precautions in time on the LED display screen in the lobby and elevator entrance of the building;

　　(4) Remind the staff on each floor to do a good job in epidemic prevention, and guide all members of the building, Qi Xin, to work together to fight the epidemic.

　　2. Online publicity

　　(1) The property management enterprise arranges a special person to write a professional rework protection guide and push it through the enterprise official micro;

　　(2) For office epidemic prevention knowledge, employees can publicize it on various online platforms such as circle of friends and business households.

　　Six, epidemic prevention materials control guidelines

　　1. Material purchase: through various channels, accelerate the purchase of medical masks, alcohol, disinfectant, temperature measuring gun and other prevention and control materials, among which masks should have a certain amount of reserves to ensure timely distribution; 2. Material purchase

　　Strictly control the warehousing and warehousing management of epidemic materials, especially hazardous materials;

　　3, material distribution

　　Set up 1F entrance mask collection point, and provide special personnel to provide employees with mask collection and correct use guidance services on site every day.

　　Seven, other special epidemic prevention guidelines

　　1. Set up an isolation room (1) Set up a special isolation room in the building, and arrange for employees who have abnormal body temperature to enter the isolation room for a temporary rest;

　　(2) Arrange professional medical personnel to make further examination for those with abnormal body temperature.

　　2. Exclusive classification of discarded masks

　　(1) Set up a special trash can for recycling discarded masks on the periphery of the building to standardize the delivery of discarded masks; (2) Waste masks and other epidemic prevention articles are packaged separately and disinfected; (3) The garbage is treated by a closed extrusion garbage truck to reduce the spread of viruses;

　　(4) Increase the daily disinfection frequency of trash cans and cleaning rooms.

　　3. Provide errand service

　　In order to avoid the risk of virus spread caused by people gathering, employees of property companies can provide errands for customers. For example, the online ordering function is opened, and the daily menu is provided, which is delivered by specialized personnel.

　　Case sharing of epidemic prevention in characteristic commercial offices

　　I. Excellent Property

　　In order to ensure the normal and safe development of economic production order during the epidemic period, excellent property policy and scientific epidemic prevention, comprehensive prevention and control measures for returning to work were deployed in many office buildings across the country.

　　1, in and out of the gate and elevator high frequency disinfection:

　　The elevators are additionally provided with button covering film and elevator button special paper, and each elevator is disinfected with medical alcohol and the disinfection/replacement frequency is increased from 2 hours to 1 hour; At the same time, the exhaust facilities in the elevator are always open, increasing the number of air changes.

　　2. Set up temporary isolation room for epidemic detection and community linkage mechanism:

　　Set up a temporary isolation point in the peripheral area of the office building to isolate those who have exceeded the standard in body temperature detection and have symptoms such as cough and chest tightness, and inform the medical staff to take them away, while keeping the high-frequency area disinfected.

　　3, fully open online communication, information check at any time.

　　You can check the emergency announcements of office buildings during the epidemic by downloading and identifying the excellent O+APP/ applet, and you can communicate online in the property services module at any time. For partners who need property services during the epidemic, you can learn about the relevant service contents and the application methods of the contents in the O+ property services section and download the required application materials in advance.

　　4, peace of mind package, safe delivery

　　During the epidemic, Premier Property and Premier Commerce launched the "Peace of Mind Package" office delivery service. The property will be delivered by a dedicated person under overall management, and the exclusive channel for epidemic prevention and control will be delivered safely, effectively reducing the contact of unconventional personnel, reducing the risk of personnel contacting and spreading the epidemic, and ensuring office safety.

　　5. Set up express-take-away transfer station.

　　During the epidemic period, in order to reduce the contact frequency, the courier/takeaway personnel will deliver the goods to the courier cabinet or the designated area, and the excellent building distribution staff will uniformly control the goods and kill and protect the transfer station.

　　6, artificial+thermal imaging thermometer double guarantee

　　In order to identify the fever more conveniently and effectively, in the excellent and dense office building, a thermal imaging thermometer is used at the same time of manual temperature measurement, and a special person is assigned to monitor the temperature measurement of personnel in real time.

　　7, enterprise restaurant epidemic control

　　For corporate customers, there are staff restaurants. In terms of restaurant epidemic control, Zhuoyue Property has also formulated and launched a series of services for employees to eat with confidence. Including daily inspection of restaurants; Adjust the spacing and orientation of tables and chairs in the dining room to keep one-way dining; Assist corporate customers to customize the dining demand statistics, summarize the daily demand and package the catering suppliers in advance, so that employees can take the post-meal card to eat, and configure lunch box recycling points on each floor for unified disinfection.

　　Second, the new hope service

　　1, the establishment of epidemic prevention organizations, the full implementation of various measures.

　　The new hope service set up a three-level epidemic prevention organization at the first time, and the group-region-project was in a state of emergency epidemic prevention; Actively respond to the "first-level response" of public health and safety initiated by international and local governments, and strictly implement the national "Safety Production Law" and the enterprise project safety production management system (EHS management); For the temperature detection of customers and employees of commercial enterprises, their own employees, outsourced employees and foreigners, all personnel are required to wear masks, strengthen the management measures of entrances and exits, and implement temperature detection and real-name registration; Most employees cancel their vacations and have been fighting in the front line; Establish an emergency liaison organization for commercial and enterprise projects and implement "one daily report"; Start the inventory and reserve of epidemic prevention materials; Follow up and respond to the epidemic prevention information published by the health department, hospital and street office of the country and the city.

　　2, the implementation of internet plus wisdom.

　　Business buildings are often crowded with people, and most of them have migrated during the epidemic period. In order to ensure the health and safety of all enterprises and employees, New Hope Service cooperated with supplier partners to urgently develop and complete the access management system of "internet plus Smart Pass" in five days, and collected the necessary information on epidemic prevention for all the people entering and leaving, and checked and verified their health status and contact history in advance.

　　3, garage automatic spraying disinfection, pedestrian disinfection blanket

　　Auto-spraying disinfection is installed in the garage, and the wheel parts are disinfected centrally for safety and epidemic prevention; Pedestrians are provided with disinfection blankets and a 1-meter equidistant safe queuing area, so that customers can "be farther away and feel more at ease".

　　4. Elevator Jiugongge

　　Advocate low-floor customers to exercise and climb stairs; High-rise customers take the elevator in nine squares.

　　5, cloud disinfection

　　"Disinfection in the Cloud" The new service products developed during the epidemic period have stimulated small and micro enterprises to meet the epidemic prevention needs of owners and customers, while developing their own business, they have reduced the impact of the epidemic on the survival and development of small and micro enterprises.

　　6, box meal distribution

　　After the enterprise returns to work, it provides lunch box distribution for customers in the park/office building; The whole process of lunch box from production to distribution is ultraviolet disinfection, so that customers can rest assured of their office and life.

　　7. Joint epidemic prevention

　　New Hope Service creates a safe working environment for customers, not only for one customer, but also for the health of all enterprises and employees. We especially appeal to all enterprises to work together with New Hope Service to build an epidemic response plan and strengthen epidemic prevention from four dimensions: environment, personnel, materials and system.

　　III. Poly Commercial Property

　　Under the guidance of Poly Property Headquarters, Poly Commercial Property quickly compiled a number of special guiding documents, which not only created a set of "2358" office building epidemic prevention practical guidelines for hard-core epidemic prevention, but also formed a number of characteristic business-run epidemic prevention measures to prepare for the epidemic prevention for the majority of businesses to return to work.

　　1, the addition of "epidemic prevention gas station":

　　Starting from the details, an "epidemic prevention gas station" was added in the lobby of each project, equipped with disposable disinfection supplies to provide disinfection convenience for the majority of businesses.

　　2, thermal imaging infrared temperature measurement:

　　Projects such as Tianmu Square, International Plaza and Poly Clovis are equipped with thermal imaging temperature measuring equipment for temperature measurement, which can efficiently, quickly and safely measure the temperature of personnel, speed up the entry of businesses and avoid crowd gathering.

　　3. Special trash can for non-connected induction discarded masks:

　　Set up a non-contact intelligent induction trash can, and set up professional cleaning personnel to clean and disinfect it regularly, and then uniformly remove it from the street to reduce secondary pollution and infection caused by contact with pollutants when discarded.

　　4. Stick a nine-square grid on the elevator, a floor sticker indicating the queuing interval at the entrance and exit of the lobby, and a sole disinfection pool.

　　5, set up a takeaway pick-up point:

　　Staff canteens in office buildings shall formulate access guidelines, control the flow of people, replace in-class meals with takeout, and encourage bringing their own lunch boxes for healthy dining.

　　6, bottom business management:

　　Strengthen the patrol of shops and ask shops to do well in epidemic prevention work such as temperature measurement, disinfection and wearing masks; During the epidemic, convenience stores and restaurants were suspended.

　　IV. Zhongzhou Property

　　At present, it is at the peak of enterprises’ resumption of work and production, and it is also the key node to promote the anti-epidemic work of commercial properties. Zhongzhou Property has strengthened prevention and control measures to fully support office customers to return to work safely and efficiently.

　　1, staff epidemic prevention training and pre-job self-examination, security to protect customers in order to protect customers more safely, all projects strengthen the protection and logistics support of on-the-job front-line employees to ensure adequate supply of materials; Conduct employee self-examination before taking up the post to enhance the awareness of prevention; Grasp the dynamic whereabouts of employees who have not returned to work, and return to work only after compulsory isolation.

　　▲ In the case of national material shortage, each project mobilized all forces to reserve sufficient protective materials, and distributed protective gloves and masks to front-line employees every day to reassure employees and customers.

　　▲ Conduct daily knowledge training on epidemic prevention and control, so that everyone can understand and pay attention to the epidemic, so as to prevent the virus more effectively and scientifically; Front-line personnel self-test their body temperature before work every day, record the data, monitor in real time, and punch cards online for employees who have not returned to work every day.

　　2. Group prevention and control of the epidemic situation, and coordination of enterprises to return to work and fight the epidemic situation requires group prevention and control. At this time, the propaganda and prevention of the epidemic situation is particularly important. In the lobby of each office building project, various announcements such as warm tips on epidemic prevention, company epidemic prevention documents, epidemic prevention and control guidelines, etc. are placed, and important tips such as wearing masks and taking temperature when returning to work are broadcast on the electronic screen. At the same time, do our best to coordinate the resumption of work and production.

　　▲ Before the resumption of work, the property managers of each project repeatedly issued the notice of resumption of work in the customer base, actively assisted the enterprise to apply for resumption of work, kept in touch with customers at all times, and solved problems for customers online; And for the enterprises that have resumed work, disinfection and disinfection will be carried out to remind them to work in isolation and off-peak, and the property service center will do its utmost to help enterprises resume work safely.

　　3. Control personnel in and out, and build a security line to prevent the epidemic. SCC, Zhongzhou Building, Yiluan Building, Zhongjing Building, Quark Space and other projects will reduce the number of people/vehicles in and out, and set up epidemic monitoring points. If there is any abnormality, it will be reported in time. If there are external personnel working, health monitoring and registration are required; Customers and vehicles returning from outside the province are strictly registered, focusing on customers returning from Hubei. If there are fever cases, report them to the community for registration and testing in time.

　　▲ Set up temperature detection zone and temporary isolation zone, and strictly control the import and export of personnel and vehicles: set up temperature detection zone and temporary isolation zone at the entrance of the lobby for each project to detect everyone entering and leaving the building, and some projects use thermal imaging thermometers.

　　▲ Set up take-away and express transfer stations, lunch box recycling stations and special garbage bins for "discarded masks": In order to reduce personal contact, set up take-away and express transfer stations for each project for unified management and unified receiving and dispatching. At the same time, set up a lunch box recycling bin and a special garbage bin for "discarded lunch boxes" to separate the "discarded masks" from other garbage, and the property management personnel will disinfect them regularly.

　　4, scientific epidemic prevention, comprehensive disinfection office lobby public areas, elevators inside and outside, floor toilets, public central air conditioning and parking lot high-frequency disinfection, return to work project will adopt positive pressure air supply mode of central air conditioning, and open some curtain wall windows of the building to form ventilation convection, so as to ensure the safe supply of building ventilation and central air conditioning.

　　▲ High-frequency disinfection of public areas in the lobby, inside and outside elevators, floor toilets and parking lots of central air conditioners in public areas: property cleaning personnel disinfect public parts such as lobby, front desk, access gate, credit card reader and door handle every half hour; All lobby front desk, elevator hall, elevator and other dense places provide disposable disinfectant and disposable key paper for customers to access; Thoroughly and deeply clean and disinfect the bathroom sanitary ware at least twice a week; Disinfect and sterilize trash cans and garbage transfer stations in public areas at least twice a day without dead ends.

　　▲ Safeguard measures for central air-conditioning disinfection in public areas: the frequency of spraying disinfection at the outlet of central air-conditioning is increased to 4 times a day, so as to ensure that fresh air can be taken directly from the outside and there is no pollution source around, so as to keep the building fresh and meet the normal office needs; Each project focuses on cleaning, disinfection and disinfection of underground parking lots, garbage stations, greening around the project and all corners.

　　▲ Thoroughly disinfect important locations such as parking lots: each project focuses on cleaning, disinfection and disinfection of underground parking lots, garbage stations, greening around the project and all corners.

　　Extraordinary times, very protective. Zhongzhou Property declared war on the epidemic situation in COVID-19 with stricter control measures, more frequent environmental disinfection, more appropriate property management services and more efficient epidemic prevention actions, and took practical actions to protect businesses and defend their homes.

　　V. South China City Commercial Management

　　1, the introduction of special prevention and control guidelines, to adopt the "special rotation+party member Xianfeng Gang" model.

　　In order to help business owners in the park to improve their correct treatment of the epidemic, South China City Commercial Management issued the South China City Commercial Management Prevention novel coronavirus Epidemic Plan and the South China City Commercial Management novel coronavirus Epidemic Prevention and Control Operation Guide, so that every employee can understand the epidemic prevention and control and health knowledge, and carry out the epidemic prevention and control work correctly and effectively. In the publicity of prevention and control, the commercial management of South China City adopts the mode of "special person rotating guard+party member Xianfeng post", and the eight-city management project publicizes the knowledge of epidemic prevention and control around the clock.

　　2. Strengthen the control of the first line of defense for import and export. The professional market in the park covers a large area. In order to pay attention to the effectiveness of card point setting, each professional market only has one main entrance and exit, and the staff is on duty 24 hours a day to check the passing vehicles, so that every vehicle must be inspected and no one is missed. A strict registration and confirmation system is implemented for foreign personnel, so that the number of foreign personnel is clear and the detection effect is ensured.

　　3. Cooperate with the government, closely track and report in real time. The leaders of South China City Commercial Management cooperated with the port area industrial and commercial bureau, law enforcement bureau and other departments to investigate the relevant personnel discovered by the big data of the Ministry of Public Security, and carried out key epidemic prevention and disinfection on the surrounding areas and vehicles of the merchant. At the same time, the staff closely followed the development of the situation, cooperated with the port industrial and commercial bureau and professional medical staff to carry out medical examination on specific personnel, and reported the personnel’s condition to the government and the company in real time to ensure the first response, the first arrival and the first solution.

　　4. The matrix combination spread the propaganda of epidemic prevention and control everywhere. The leaders of the commercial management operation layer in South China City and the principal responsible persons of various departments went to work normally, issued prevention and control instructions in time, broadcast the prevention and control trends, closely monitored the implementation of epidemic prevention and control work in the park, and ensured that the organization, measures and publicity were in place. More than 3,000 epidemic prevention and control notices were posted and more than 800 banners were made. Outdoor big screen, real-time broadcast of epidemic prevention and control announcements and knowledge posters on outdoor LED screens at important intersections in various parks in the form of rolling play all day.

　　VI. Jindi Property

　　Jindi Property established a five-level prevention and control mechanism at the first time. Take Shenzhen Jindi Weixin Software Park as an example, because the property service team of Weixin Software Park experienced SARS in 2003 and accumulated rich experience, they quickly made an accurate prediction of the epidemic situation, timely reserved epidemic prevention materials, and deployed them to the relevant property service personnel in Shenzhen to rework on duty on the premise of meeting the government’s epidemic prevention screening and regulations for duty personnel.

　　Part of the five-level epidemic prevention mechanism of Jindiweixin

　　Set up temporary isolation zone

　　Yi Labao, exhibition stands, banners, etc. for epidemic prevention publicity are put into the project; Robot Xiaojin also joined the ranks of epidemic prevention propaganda; At the same time, do a good job in epidemic prevention tips at customer contacts. Comprehensively strengthen the epidemic prevention awareness of office workers in buildings.

　　Set up a temporary isolation zone. If the temperature is higher than 37.2℃, it should be isolated immediately, and report it to the command team immediately, organize the evacuation of personnel in relevant areas, and seal the relevant areas; After being proved by the hospital that the over-temperature personnel have eliminated the abnormality, organize the comprehensive disinfection of the work area; If abnormalities cannot be ruled out, or suspected cases with fever, cough, fatigue and other symptoms are found, they should be reported to the superior leaders at the first time, and then reported to the community, CDC and other relevant government departments after approval by the command group, and handled according to the guidance of professional departments.

　　At the same time, Jindi Property uses Jindi Commercial Service to manage APP Gelink intelligently to help fight the epidemic, and its business advocates online handling to reduce unnecessary close contact; Set up "Golden Day" protection tips online and regularly forward publicity and epidemic prevention knowledge. In addition, each project forms a daily epidemic prevention and control report and publishes it, which is open and transparent, so that customers can work with confidence.

　　GelinkAPP helps epidemic prevention

　　Disclaimer: The views in this article only represent the author’s views. The copyright belongs to Yihan Think Tank.

　　Please do not reprint without authorization. If you need to reprint, please contact the backstage or leave a message after this article.

　　Please indicate the source when reprinting: ehresearch.

　　Thanks for your cooperation!

This article was first published on WeChat WeChat official account: Yihan Think Tank. The content of the article belongs to the author’s personal opinion and does not represent Hexun.com’s position. Investors should operate accordingly, at their own risk.

Nehe city Rong media center

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

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

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

1. Aflatoxin: moldy grain and nuts.

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

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

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

Common sources of aflatoxin

Moldy corn, rice

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

Deteriorated nut

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

Broken and unclean bamboo and wood chopsticks

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

Inferior sesame paste

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

Earth-pressed peanut oil

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

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

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

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

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

Common sources of benzopyrene

roast

It may be produced during barbecue or smoking.

High temperature fried food

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

Cooking oil fume

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

3. nitrosamines: smoked and pickled food.

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

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

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

Common sources of nitrosamines or nitrites

Processed meat products

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

Overnight dish

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

Smoked and cured food

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

4. Tobacco tar: inhaled by tobacco burning.

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

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

5. Acetaldehyde: an intermediate product produced after drinking.

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

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

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

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

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

Read the original text

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

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

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

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

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

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

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

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

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

● New car background

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

● Edit Comment:

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

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

Another institutional innovation of patent transformation and application has been comprehensively promoted!

On June 1, 2021, the newly revised patent law was implemented, and the patent open licensing system was added. This system is conducive to the realization of "one-to-many" patent licensing, reducing institutional transaction costs, improving the efficiency of patent transformation, and opening up the "last mile" of the transformation of scientific and technological achievements into new quality productivity. With the newly revised Detailed Rules for the Implementation of the Patent Law of People’s Republic of China (PRC) officially implemented on January 20th, 2024, the patent open licensing system has been fully implemented. The patentee voluntarily submits a patent opening license statement, and the patent license fee is clearly marked, which is "widely announced" to the whole society by the patent administrative department of the State Council. Any unit or individual can obtain an implementation license by notifying the patentee in writing and paying according to the marked price, and all licensees are treated equally.

Recently, China National Intellectual Property Administration issued a notice on comprehensively promoting the implementation of the patent open licensing system (hereinafter referred to as the notice) and the Measures for the Mediation of Disputes in the Implementation of Patent Open Licensing (for Trial Implementation) (hereinafter referred to as the "Working Measures") and other documents to standardize related work and further promote the implementation of the patent open licensing system.

Open license to build a patent docking bridge

"In just half a year, this patent has created an economic value of nearly 10 million yuan for us!" Hu Chenguang, general manager of Mingji Erffa Intelligent Industrial Technology (Dalian) Co., Ltd. told the reporter. This small and medium-sized enterprise located in Dalian, Liaoning Province, is committed to developing industrial robot automation technology and equipment. At the end of last year, Hu Chenguang found in the local trading center that Dalian University’s open license patent "an improved Smith predictive control method based on CRNs" met the technical requirements of enterprises, and thus cooperated with the research team of associate professor Lu Hui of Dalian University in the automatic control of biochemical systems. This patent was applied to the company’s industrial robots and automatic cleaning equipment, which greatly improved the system performance of the equipment.

"I didn’t expect to reach a cooperation so smoothly this time. We are very eager to achieve technological breakthroughs in our products. In the past, companies looking for patents faced the problems of dislocation of demand and research and unequal information, so it was difficult to find patent acquisition channels. In the patent open licensing work, publicly displaying the patents with conversion intention in colleges and universities allows us to find more good patents. " Hu Chenguang said.

This is a vivid practice for Dalian University to gain market value through patent opening license.

As early as May, 2022, China National Intellectual Property Administration launched the pilot project of patent conversion and open license. By the end of 2023, more than 3,200 patentees in 22 pilot provinces of patent opening license had participated in the pilot project, and more than 59,000 patents were matched and pushed to more than 110,000 small and medium-sized enterprises, and more than 17,000 patents were granted. Since January 20th this year, the patent opening license statement put forward by the patentee has been announced to the public through the patent bulletin after passing the examination in China National Intellectual Property Administration.

At present, 90 patents of Dalian University have been approved for announcement. "In 2022, when China launched the pilot project of patent opening license, the school actively explored this innovative measure. The patent open license allows the school to further establish a cooperative relationship with enterprises in Industry-University-Research, which more effectively promotes the wide application of technology. " Chen Huiyuan, a researcher at the Science and Technology Department of Dalian University, said that at present, more than 20 enterprises have applied to renew their contracts and explore further cooperation after transforming and applying the school open license patents.

In the statement of patent opening license issued by China National Intellectual Property Administration, many enterprises are actively carrying out patent opening license besides universities and scientific research institutions. Jingxin Communication Technology (Guangzhou) Co., Ltd. (hereinafter referred to as Jingxin Communication) is one of them.

"The company proposed a key technical solution for high-performance low-carbon life antenna, which realized the double improvement of network performance and green energy saving, and laid a technical foundation for the realization of full-band high-performance low-carbon life antenna. In order to make green antenna technology more widely and deeply applied and promoted in the industry, we screened two core technology patents for open licensing, and combined with patent technology, market, law and other factors, conducted multi-dimensional patent valuation and determined the patent open licensing fee. " Li Xuefeng, senior vice president of Jingxin Communication, told the reporter.

At present, these two patents have successfully obtained a total of 2.5 million yuan in license fees. Li Xuefeng said that the rapid application of the open license patent not only showed the core competitiveness of the company’s independent intellectual property rights, but also helped to enhance its popularity and brand value, further promoting the prosperity and win-win situation of the industry ecology.

Supporting measures to promote the efficient operation of the system

The notice issued this time and the "Working Measures" have standardized a number of tasks in the implementation of the patent open licensing system.

According to the notice, the patent open license statement will be announced to the public through the patent bulletin after passing the examination by China National Intellectual Property Administration, and the public can inquire about the announcement information such as the patent open license statement and the registration of the license through the China Patent Publication Announcement System (http://epub.cnipa.gov.cn/). Patent open license announcement data is fully open to the public through the public service system of intellectual property data resources, which is convenient for all parties to inquire, retrieve and obtain. For the patent opening license reached, the intellectual property offices of all provinces (municipalities directly under the Central Government and autonomous regions) shall supervise and guide the patentee or licensee to file with China National Intellectual Property Administration in a timely manner in accordance with relevant regulations.

With regard to the estimation of licensing fees for patent opening, which is of concern to the industry, the notice is clear. According to the provisions of the Patent Examination Guide, the licensing fees paid at a fixed fee standard are generally not higher than 20 million yuan; Paid by royalty, generally not higher than 20% of net sales or 40% of profit. If the license fee is higher than the above standard, the patentee shall be guided to license by means of ordinary license.

At the same time, the notice requires that the intellectual property offices of all provinces (municipalities directly under the Central Government and autonomous regions) should strengthen the interpretation of the national standards of the Guidelines for Patent Evaluation and the Guidelines for Estimating the Use of Open Licenses (for Trial Implementation), and guide the patentees to uphold the concept of fairness, rationality, mutual benefit and practicality, accurately grasp the "one-to-many" characteristics of open licenses and the characteristics of small amount, inclusiveness and convenience, and reasonably estimate the license fees.

Focusing on possible intellectual property disputes, the Working Measures clarify the acceptance conditions of the application for mediation of disputes in the implementation of patent open license, the documents and materials that the parties should submit, the conditions for making an acceptance decision, the circumstances of non-acceptance and the acceptance registration, etc., so as to timely resolve the disputes arising in the implementation of patent open license.

"The patent open license system aims to promote the patent transformation and application. Its core system function is to solve the problem of asymmetric supply and demand of patent license, which can effectively promote the disclosure of transaction information and reduce the transaction cost of patent license, thus promoting the patent transformation and implementation." Ma Yide, dean and professor of the School of Intellectual Property, University of Chinese Academy of Sciences, suggested that for the innovation subject, whether the patent license is achieved depends on the docking of market supply and demand. We should fully consider the patent quality and market demand, and open the license for high-value patents that meet the market demand. For the enterprises that accept the open license, after the open license is reached, they should actively file with China National Intellectual Property Administration to maintain the priority effect of obtaining the license, so as to avoid the right holder’s punishment of the patent during the open license period, which will affect the interests of the implementers. At the same time, the declaration of open license can also enable the public to make reasonable investment planning by understanding the implementation of the open license of a specific patent, so as to avoid disorderly competition or excessive investment caused by the large number of licensees of the same patent.(Author CoCo WU)

Seal and Seal 06 are both medium-sized cars of BYD brand, and they are different in price, configuration and market performance. The following are their main differences:

1. Price: The guide price of Seal is 149,800-249,800 yuan, while the guide price of Seal 06 is 99,800-139,800 yuan. The former is positioned as a mid-to high-end model, while the latter is positioned as a low-end model.

2. Interior: Seals’ seats are made of leather and equipped with panoramic skylights. The first row of seats has heating and ventilation functions. The seat material of Seal 06 is leather, and it is also equipped with panoramic sunroof, but the function of the first row of seats has not been announced. Therefore, the seal’s interior is of higher quality and better comfort.

3. Market performance: The national sales volume of seals in June was 8,138, ranking 65th, with an average daily attention of 55,979. The national sales volume of seals in June was 7625, ranking 69th, with an average daily attention of 122083. It can be seen that the market performance of Seal 06 is better, which may attract more consumers because of its lower price.

4. Space: The body size of the seal is 4980*1890*1495, the wheelbase is 2900, and the number of seats is 5. Seal 06 has a body size of 4830*1875*1495, a wheelbase of 2790 and five seats. Seal is slightly larger than Seal 06 in body size and wheelbase, thus providing more interior space.

5. Power: Seals and Seals 06 both use electronic continuously variable (E-CVT) gearboxes with a maximum speed of 180 km/h.. Seal is equipped with a 1.5T 139 L4 engine, while Seal 06 is equipped with a 1.5L 101 L4 engine. The former is more powerful, but the fuel consumption may be relatively high.

In a word, Seal and Seal 06 are different in price, interior, market performance, space and power. Seals are positioned in the middle and high end, with more luxurious interiors, more space and stronger power; Seal 06, on the other hand, is positioned in the middle and low end, and its market performance is good, but it is slightly inferior to seal in interior and power. Consumers can choose the right model according to their own needs and budget.

　　Wenzhou Net News The ongoing two national conferences have brought public data security into the public eye. Hu Chengzhong, deputy to the National People’s Congress and chairman of the board of directors of Delixi Group, suggested that with the epidemic prevention and control entering a new stage of "Class B and B management", the "health code" has been completely stopped, and the relevant data collected by the "health code" should be deleted within a limited time to reassure the people.

　　In Wenzhou, everyone is most familiar with the "Wenzhou Epidemic Prevention Code". It is equivalent to the merger of "health code" and travel card, and was officially launched on November 1, 2021. Relevant reports show that the number of users of Wenzhou Epidemic Prevention Code reached 8.96 million only two months after it was launched, and by April 2022, the number of users reached 14.39 million, and the number of bright codes per day reached more than 18 million.

　　In the prevention and control of epidemic situation, "health code" played a great role and became a highlight of China’s anti-epidemic experience. At present, where should the massive data behind the "health code" go?

　　Completely delete the square

　　Wang Xianming, deputy dean and professor of the School of Data Science and Artificial Intelligence of Wenzhou Institute of Technology, clearly understands his point of view: absolutely support, and the "health code" data should be completely deleted.

　　He believes that on the one hand, from the perspective of the necessity of data retention, epidemic prevention and control has entered the "Class B B Management", and there is no reason to use these data again, so there is no need to keep them. On the other hand, data storage is bound to have security risks, although it depends on where the data exists. Is the platform reliable? But this only shows that the security risk of data leakage is big or small, and it can’t completely avoid the risk.

　　"The importance of personal data is self-evident, so when deleting it, we should pay more attention to the security of the data during the destruction process, and ensure that the data is completely destroyed." Wang Xianming said.

　　Also supporting the positive view is a professional who has been fighting in the front line of epidemic prevention for three years. He believes that for the traceability work, collecting personal data in epidemic prevention and control is to quickly trace the trajectory of infected people in the past 7 days and 14 days in the event of an epidemic. This supports the epidemiological investigation to the maximum extent. Through the data, we can basically judge where the infected people are infected, and provide reference for the subsequent delineation of medium and high-risk areas. However, the professional also pointed out that after the epidemic entered a new stage, it is no longer necessary to trace the source as before, so it is no longer necessary to rely on these historical data at present. "After all, this is the transfer of personal privacy made by the public in order to cooperate with the overall situation of epidemic prevention."

　　What do ordinary citizens think? Let’s see what the supporters in the positive camp say — —

　　Citizen Li Tao: No suggestion, delete it immediately. The mission of "health code" has been completed, and relevant data should be completely deleted.

　　Citizen Qiao Qiao: I am a 2018 undergraduate student. I was often locked in school from my sophomore year until graduation. During the period of school closure, every day, in addition to doing nucleic acid, the "health code" was checked. Now when I see the "health code", I will think of that painful memory, especially hoping to completely delete the "health code" and related data.

　　Natural extinction of the opposing side

　　A data engineer, who asked not to be named, believes that the key issue is not whether the data should be saved, but what can be done to make the data more secure.

　　In this regard, Xu Gang, Dean of the School of Artificial Intelligence of Zhejiang Security Vocational and Technical College, also said that it is not easy to generate massive data on specific topics, and it is of high value in professional fields. Massive data should be preserved for a long time, and it will be better through natural extinction. He explained that theoretically, every kind of data has a life cycle, which is divided into collection — Handling — Transmission — Exchange — Six stages of destruction. In the short term, it is necessary to consider that the destruction needs to be based on certain policies, regulations and technical means, and not only will there be risks that cannot be traced back, but also corresponding costs and expenses will be incurred. However, natural extinction, such as expired batch destruction, storage equipment scrapping, natural disaster destruction and other factors, is conducive to the long-term reuse of data, especially the epidemic data can be used for long-term research on citizens’ health, epidemic spread theory, optimization methods of epidemic prevention measures, non-compliance behavior during the epidemic, etc. Of course, it is necessary to strictly ensure data security in this process.

　　There are also many citizens’ voices in the anti-party camp — —

　　Netizen "Wendy": As long as it is not leaked, the data can be kept reasonably, and it doesn’t matter if it is not deleted. In case of special circumstances in the future, these data can be used as historical situations for analysis, which may play an emergency role.

　　Citizen Chen Xi: I remember that many people were sending friends to commemorate the trip card when it was off the line. Although there were countless "health code" checks and negative nucleic acid certificates during the epidemic, there were still many warm moments during the epidemic. I hope to keep the "health code" and the data inside, which can be regarded as a commemoration of this special period.

　　What do you think of whether the data of "health code" should be deleted?

　　Source: Wenzhou Daily

　　Original title:

　　The proposal of Wenzhou delegates to the NPC and CPPCC triggered a debate?

　　Do you want to delete the "health code" data?

　　Pro: completely delete VS anti: natural extinction

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

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

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

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

　　1. LED industry

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

　　2. Semiconductor memory industry

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

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

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

　　(2) Comprehensive energy industry

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

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

　　(3) Advertising media industry

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

　　

　　II. Main businesses of the Company during the reporting period

　　(A) a new generation of information technology services

　　1. LED business

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

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

　　2. Semiconductor memory service

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

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

　　(2) Comprehensive energy business

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

　　(3) Advertising media business

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

　　

　　Third, the core competitiveness analysis

　　1. Advantages of State-owned mixed ownership listed companies

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

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

　　2. Technical advantages and qualification advantages

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

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

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

　　3. Advantages of industrial chain synergy.

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

　　4. Brand and customer advantages

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

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

　　

　　Fourth, the main business analysis

　　1. Overview

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

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

　　(1) LED business:

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

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

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

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

　　(2) Semiconductor memory business:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

　　

　　V. Prospect of the Company’s Future Development

　　(A) the industry pattern and trends

　　1. Semiconductor memory industry

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

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

　　2. LED industry

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

　　3. Comprehensive energy industry

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

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

　　4. Advertising media industry

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

　　(II) Company development strategy

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

　　(3) Main business plan

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

　　(4) Possible risks and countermeasures

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

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

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

　　2. Risk of accounts receivable recovery

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

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

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

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

　　4. Risk of exchange rate fluctuation

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

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

　　5. Risk of policy change

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

　　6. Risk of impairment of goodwill

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

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

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

　　It has been half a month since the normalization of nucleic acid screening in various places. As the weather turns hot, the work of nucleic acid sampling and sample transportation becomes more difficult. Experts said that although the working environment is even worse, especially for some outdoor sampling points, the sample collection, storage and transshipment work should still be carried out in accordance with the specifications and should not be slack.

　　Battery car transfer sample

　　June 15th is the first hot day since Shanghai entered Mei, with the temperature climbing to 36 degrees and the outdoor ground temperature even higher. The first financial reporter saw in an open-air nucleic acid detection point in Shanghai that the temporary tent could not stop the scorching sun, and the sampling personnel wore protective clothing, and their faces were sweating, while there were no electric fans or cooled ice cubes outdoors. Also exposed to the scorching sun are tubes of nucleic acid reagent samples being collected.

　　The sampling time at this sampling point is from 1: 00 to 4: 00 in the afternoon. After the sampling stopped at 4: 00, the staff put the last batch of samples into a suitcase-sized small refrigerator, which was close to 4: 30. A courier arrived at the testing point by car battery car, ready to take them away.

　　I saw that the picker opened the refrigerator and hastily stuffed nearly 20 tubes of nucleic acid reagents in sealed bags into black shoulder bags, while the battery car was filled with yellow medical waste bags collected from multiple inspection points.

　　Now he will carry the samples and medical wastes to a nearby "transfer station", and then these uniformly collected samples will be transferred to the designated testing laboratory by special vehicles. He claimed that this was the sixth time he had transshipped samples today, three times in the morning and three times in the afternoon, thus ending the six-hour working day agreed in the contract.

　　According to the transshipman, the point where he collects samples every day is not completely fixed, and sometimes an extra sampling point is added temporarily, which leads to the delay of his arrival at the next point, so the actual working time is more than 6 hours.

　　A sampler of normalized nucleic acid kiosks told the First Financial Reporter that in principle, a batch of samples will be transported away every hour, but in practice, the time is not so fixed, mainly depending on whether there are enough people to transport them. Their main tool is a battery car, which transports the reagents collected from several nearby testing points to the assembly point and then sends them to the testing laboratory by special car.

　　However, for the above process, an infectious disease expert with rich field sampling experience said that this sample processing method is worrying, and the sample storage and transshipment are very inconsistent with the basic norms.

　　"We who do infectious diseases know that the most important thing is that all operations must be carried out in strict accordance with norms and standards. The storage temperature and transfer time of nucleic acid samples have strict standardized processes, which is definitely not convenient." The above experts told the First Financial Reporter.

　　The guide has clearly stipulated.

　　The Implementation Guide for COVID-19 Nucleic Acid Testing Organization (Second Edition) clearly stipulates the preservation and transportation of samples, which should be kept at low temperature (2-8 degrees Celsius). In principle, samples should be collected every 2 hours for transportation, and the samples should be delivered to the laboratory 4 hours after collection.

　　On the basis of the above guidelines, Shanghai has further put forward "126" requirements for nucleic acid testing institutions, that is, collecting and transporting a batch of samples every hour, transporting the samples to the testing institutions in 2 hours by vehicles, and completing the testing in the laboratory within 6 hours. In terms of sample transfer, the time requirement is reduced by half compared with the guideline, but in fact, it is very difficult to achieve such a goal. If the sample is not transferred in time, it will not only affect the quality of the sample, but also affect the waiting time for detection.

　　In this regard, the above-mentioned infectious disease experts told the First Financial Reporter: "Since there are norms, it should be strictly implemented in accordance with the norms. For example, it is stipulated that samples should be shipped every hour or two, and someone should come to pick them up when they arrive, instead of seeing that there are enough people to pick them up. If not, just wait."

　　The expert also warned that as the weather gets hotter, if the nucleic acid reagent cannot be stored at low temperature in time during transportation, or exposed to the sun for a long time, it will increase the risk of inaccurate nucleic acid test results.

　　He told the First Financial Reporter: "You should know that ribonuclease is ubiquitous. It exists in the air and anywhere. When you open the lid of the nucleic acid test tube, it may enter the test tube. At the temperature above 37 degrees, Rnase will easily degrade RNA, and the whole process only takes 10-15 minutes. If there is a very low virus load in the test tube, it will be diluted after ten mixes.

　　According to the observation of the first financial reporter at some nucleic acid detection points, in some mixed-tube tests, the actions that do not meet the operating standards include picking a person without screwing on the cover, which also increases the risk of exposing the sample to the air.

　　The above experts added that although adding some components, such as diethyl pyrocarbonate (DEPC), to the reagent can help to inhibit Rnase, these components will increase the cost of the reagent, and standard nucleic acid reagents are generally not added. "The easiest way is to keep it at low temperature and transport it in time. Even using ice cubes to cool down is helpful. Ice cubes have no cost and can be reused." He told the first financial reporter.

　　He also stressed that the basic operation in transferring samples is to put the samples into two-layer sealed packages and avoid the test tubes from tipping, so as to prevent the reagent from leaking and polluting other samples because the cover is not tightened.

　　Professor Lu Hongzhou, president of Shenzhen Third People’s Hospital, told the First Financial Reporter: "The best way to solve this problem is to collect samples regularly."

　　Professor Shen Hanming, an expert in cell biology at the University of Macau, told CBN: "In theory, there is a protective solution in nucleic acid reagents, and some components can inhibit RNA degradation to a certain extent, but even so, in principle, reagents should not be stored at room temperature and high temperature for a long time."