A few days ago, the "third pillar" of China’s old-age insurance system ushered in institutional arrangements — — Personal pension system. According to the Opinions on Promoting the Development of Individual Pensions issued by the General Office of the State Council, it is necessary to promote the development of individual pensions that are suitable for China’s national conditions, supported by government policies, voluntarily participated by individuals, and are market-oriented, and are connected with basic old-age insurance and enterprise (occupational) annuities. Recently, the reporter was informed that the relevant supporting systems for the personal pension system are being formulated in full swing.

　　In addition to personal pension, another important component of the "third pillar", "other personal commercial pension financial business", has also achieved rapid development in recent years, with increasingly rich product categories. Under the increasingly severe situation of China’s aging population, it has become a consensus to improve the awareness of self-protection, plan the old-age life as early as possible and reasonably reserve pension funds. Many people in the industry suggested that three pillars should be planned according to personal financial situation, namely, basic old-age insurance, enterprise (occupational) annuity and commercial old-age finance; For the latter, it is necessary to rationally allocate savings, wealth management products and insurance products according to personal risk preferences to effectively spread risks.

　　Voluntary participation in personal pension

　　For many young people who are used to overdraft consumption, the key to reserve pension funds is to firmly export funds, avoid "moonlight" or even eat food, and let funds steadily precipitate and increase in value. The personal pension system being piloted in China can effectively avoid the problem of early withdrawal.

　　A few days ago, the General Office of the State Council issued the Opinions on Promoting the Development of Personal Pension, and the personal pension system was officially promulgated, which is of great significance for building a multi-level and multi-pillar pension insurance system in China. As we all know, China’s old-age insurance system contains "three pillars". The first pillar is the basic old-age insurance, which is relatively perfect at present and its coverage is constantly expanding; The second pillar is enterprise annuity and occupational annuity, which mainly play a supplementary role and are established by employers and their employees, and have a good development foundation; The third pillar is a little "insufficient", which lacks corresponding institutional arrangements, mainly including personal savings pension insurance and commercial pension insurance.

　　"Personal pension is a national institutional arrangement for the third pillar, which is conducive to adding an accumulation on the basis of basic old-age insurance, enterprise annuity and occupational annuity." Jong Li, Vice Minister of Ministry of Human Resources and Social Security, said that after retirement, he can earn another income, further improve the living standard after retirement, and make the life of the elderly more secure and quality.

　　How to participate? If you have already participated in the basic old-age insurance, you can choose to participate in the personal pension. The system adheres to the principle of voluntariness and is not mandatory. After that, individuals need to open two accounts: personal pension account and personal pension fund account. The former is used for information recording, inquiry and service, and the latter is used for payment, product purchase and income collection. "These two accounts are unique to each other. Participants can open them in various channels such as the national social insurance public service platform, the national people’s social government service platform, the electronic social security card, and commercial banks." Nie Mingxi, director of the Pension Insurance Department of the Ministry of Human Resources and Social Security, said that the above two accounts can be opened at one time through commercial bank channels.

　　How to invest? Individual pensions are paid by individuals, and participants can decide to participate in the whole process or part of the year. The upper limit of annual payment in the initial stage is 12,000 yuan, and participants can decide how much to pay. "Next, with the increase of per capita disposable income in urban and rural areas, the payment ceiling will be gradually increased in due course." Nie Mingxi said. After payment, the individual pension will be operated in a market-oriented way. Participants will independently purchase bank wealth management, savings deposits, commercial pension insurance, Public Offering of Fund, etc., and they can also make long-term, medium-term and short-term combinations. All the above operations are completed in the capital account, and there is no need to run multiple financial institutions. "From the mature experience abroad, participants can participate in the capital market and share the development dividend of the real economy through personal pensions." Lin Xiaozheng, head of the securities fund supervision department of China Securities Regulatory Commission, said.

　　How to collect it? Avoiding early withdrawal is a remarkable feature of personal pension, which is helpful to rationally plan personal pension reserves and effectively play a supplementary role in providing for the elderly. Specifically, the account funds are closed, and they can only enter and leave during the payment stage. Payment and investment income are accumulated in the account, and they can only be collected when they reach the corresponding age conditions.

　　Rational purchase of pension financing

　　In addition to personal pension, commercial pension finance represented by pension financing and exclusive commercial pension insurance is also an important part of the "third pillar" and has achieved rapid development in recent years.

　　Among them, pension financing has been enthusiastically subscribed by investors. The reporter learned from the Banking Financial Registration and Custody Center that by the end of the first quarter of 2022, four pilot institutions had sold 16 pension financial products, and more than 165,000 investors had subscribed for about 42 billion yuan. The amount raised far exceeded expectations, and some products were "in short supply". Many products in the first batch have raised the planned fundraising scale several times. In addition, on June 20th, two new pension financing products were officially closed. Up to now, the number of pension financing products has been expanded to 24.

　　There are not a few middle-aged people who favor old-age financial management. According to the data of the Banking Financial Registration and Custody Center, investors aged 40 to 50 account for 27%, and investors aged 30 to 40 account for nearly 20%, accounting for about 47% in total, accounting for nearly half of the total investors; Investors aged 50 to 60 accounted for the highest proportion, reaching 28%. "This reflects the extensiveness and urgency of investors’ demand for pension financing, and also shows that the market space for pension wealth is broad." Wang Hailu, chairman of ICBC Financial Management, said.

　　It is worth noting that due to the long term of pension financing, investors need to rationally measure the medium and long-term benefits, and should not regard pension financing as a channel for "making quick money". Judging from the pilot situation, the term of the first batch of closed-end products for pension financing is five years, and some products have specially set dividend clauses, which can meet some liquidity needs of investors during the holding period.

　　"Pension financing aims to guide investors to form a healthy and sustainable concept of pension financing, make scientific and reasonable planning for pension, and convert long-term funds in their hands into pension financial products according to their own reality." Dong Ximiao, chief researcher of Zhaolian Finance, said.

　　To this end, investors should focus on three factors when purchasing pension financing. First, consider your own pension needs and judge whether you need to make long-term pension investment; Second, consider your own capital situation and choose the investment method that suits you; Third, pay attention to the risk-return characteristics of pension financial products in combination with their own risk preferences, and choose pension financial products with matching risks.

　　Pension savings business will be launched.

　　Due to the diversification of the demand for pension reserves, correspondingly, the risk preferences covered by financial products should also be diversified, and not all of them should be concentrated on medium and high risk preferences. "China is a big savings country with a high savings rate. It should conform to the public’s savings habits, further enrich the supply of pension financial products, and form a supplement with pension financial products." Dong Ximiao said.

　　The reporter visited a number of bank outlets in Beijing and found that investors still have high demand for deposits, a low-risk product. Take the certificate of deposit as an example. Although its annual interest rate continues to fall, and the one-year interest rate is only 2.1%, it is not easy for investors to successfully buy it. As of June 20th, China Industrial and Commercial Bank showed that three of the four 3-year certificates of deposit on sale had been sold out, and the other one was only for new customers.

　　The launch of the "specific pension savings business pilot" is precisely to meet the pension financial needs of low-risk preference groups. "We are speeding up the research on the pilot of specific old-age savings business, and initially consider four large state-owned banks of industry, agriculture, China and construction to carry out pilot projects in some cities." The head of the large-scale banking department in China Banking and Insurance Regulatory Commission, China, revealed at the news briefing held a few days ago that this business takes into account both inclusiveness and pension, with long product term, stable income and guaranteed principal and interest, which can meet the pension needs of residents with low risk preference. Specifically, specific old-age savings products include lump-sum deposit and withdrawal, lump-sum deposit and withdrawal and lump-sum deposit and withdrawal. The product term is divided into four grades: 5 years, 10 years, 15 years and 20 years. Initially, the pilot scale of a single bank is 10 billion yuan, and the pilot period is tentatively set at one year.

　　It can be expected that the future pension financial business will gradually form a development pattern of multi-subject participation, multi-product supply and meeting diversified needs. Recently, China Banking and Insurance Regulatory Commission of China clearly stated in the Notice on Standardizing and Promoting the Development of Commercial Pension Financial Services that next, it will support and encourage banks and insurance institutions to develop commercial pension savings, commercial pension financing, commercial pension insurance, commercial pension and other pension financial services in accordance with the law. "But there is a bottom line. The commercial pension financial business must reflect the pension attribute, and the product term conforms to the long-term pension needs and life cycle characteristics of investors. At the same time, it is necessary to set corresponding binding requirements for fund collection to avoid short-term ‘ Fast forward and fast out ’ 。” The above-mentioned person in charge of China Banking and Insurance Regulatory Commission also said. (Economic Daily reporter Zi-yuan Guo)

　　"You have been learning English for X days" and "Congratulations on completing today’s exercise" … … In recent years, some college students often share "punch-in" records on personal social media platforms.

　　In order to investigate why college students are keen on "punching in", recently, the media of Zhongqing School distributed questionnaires to students from nearly 100 colleges and universities across the country. The survey results showed that 78.98% of the interviewed college students said that they had participated in self-monitoring "punching in", among which 50.15% admitted that their "punching in" lasted less than half a month, and 34.84% could last for half to three months and three months. Among the respondents who insisted on "punching in" for more than half a month, 88.55% thought that sticking to "punching in" would produce better study or exercise effect.

　　Some people insist, others give up.

　　Zhu Siyu, from a university in Liaoning, is a sophomore majoring in English, and the importance of word storage for English majors is self-evident. Zhu Siyu and her roommate agreed to share the link of reciting the word "punch in" with each other every day, and if they didn’t finish it one day, they would send each other a small red envelope. The chat interface between Zhu Siyu and her roommate is only a shared "punch-in" link.

　　Zhu Siyu, who is about to be promoted to junior year, is under great pressure in her schoolwork, and she has to participate in club activities in her spare time, leaving only the time after returning to her dormitory at night for a thick vocabulary book. After the lights out in the dormitory, Zhu Siyu often has a passion for memorizing words, but he can’t match the strong idea of "close contact" with the pillow, and his willpower will "slide down" if he is not careful.

　　Zhu Siyu came across an online class that memorized words. After joining, she can recite words and "punch in" with people all over the country to share and encourage each other. He wants to "walk with the self-disciplinarian" and joins this online class. Every day, he can see the number and completion time of words recited by others in the group, and he can also see his class ranking. The tension brought by competition always spurs him.

　　In Zhu Siyu’s online class, the top students have been "punching in" for 1530 consecutive days. Some students will get up early or stay up late to recite words, and it is normal for them to recite 300 to 400 words a day. The state of "punching in" students "playing chicken blood" inspired Zhu Siyu’s obsessive-compulsive disorder, "Not a day ‘ Punch in ’ It’ s uncomfortable to look at an empty day. "

　　In order not to give up halfway because of boredom, he will adjust his plan according to the actual situation. "For example, I usually plan to recite 80 words every day. When I am particularly busy, I will set the goal for the day to 30." Now, Zhu Siyu and her roommate have persisted for 438 days. He said, "‘ Punch in ’ Just like climbing a mountain, I was very tired at first, and there was no scenery on the way. Later, you saw the clouds and felt a sense of accomplishment, but when you think about it, seeing the clouds means that you are still on the mountainside, and you have to climb up. Learning English is like this, even if you can’t climb ‘ Peak ’ You have to climb. "

　　But not everyone can stick to the road of "punching in" like Zhu Siyu. The survey shows that 46.85% of the respondents who have experienced self-monitoring "punching in" are too busy to have free time, which leads to the interruption of "punching in", 33.63% feel that the "punching in" software can’t achieve the expected effect and give up voluntarily, and 32.13% don’t stick to it because it is too lazy.

　　Li Hao of a university in Anhui joined "‘ under the leadership of his classmates; Punch in ’ Army. " At first, she made up her mind to recite the CET-4 words, but the heavy study and pressure of students’ work slowly washed away the time of "punching in". Sometimes after a busy day’s study and work, it’s already 11 o’clock in the evening when I return to my dormitory, and some roommates have already rested early. Li Hao washed up in a hurry, and then made some preparations for the next day’s study. It was early the next morning.

　　The light from the mobile phone screen can’t stop the drowsiness from coming again and again. Many times, Li Hao’s eyelids "fight" again and again. When he suddenly opened his eyes, he found that it was the next morning. He only recited five or six words the night before and fell asleep directly.

　　Li Hao’s mood is complicated, and he can’t tell whether he is annoyed or remorse. However, such a situation has appeared many times, and the firm fighting spirit of "punching in" every day has naturally turned into a bubble.

　　Gu Liqun, a national second-level psychological counselor and professor of dalian polytechnic university, believes that whether people can persist in punching cards is related to personality besides behavioral constraints. Some students pursue perfection or are obsessive-compulsive, or they have the characteristics of following the rules step by step, so they must stick to it.

　　Regarding whether to insist on self-monitoring "punching in", Gu Liqun added that persistence is an affirmation of self-worth, and it is also due to the characteristics of a person’s personality itself. On the contrary, people who are lazy or flexible in character are reluctant to restrain themselves.

　　What do college students want?

　　This winter vacation, Zhu An, who just passed CET-4, added a line "Learn English for one hour every day" to his plan list to cope with the CET-6. According to the schedule on the plan list, on the first day of "punching in", she got up at 7 o’clock and took out her mobile phone to start studying.

　　After the first day’s task was completed in less than an hour, Zhu An didn’t share his "punching in" information in the circle of friends, but quietly forwarded the link to his "trumpet".

　　“‘ Punch in ’ Just to record learning, not for others. " She hates "punching in" in the circle of friends every day, and always feels that it is easy to become a mere formality after a long time, or become a "performance" in the circle of friends.

　　During the winter vacation, Zhu An spends one-third of his time every day on different "punching in" tasks. She learned Japanese five-tone pictures, completed a set of oral courses, and reduced her weight by 10 Jin.

　　"Punching in" is like a friend around Juan, accompanying him to complete his daily tasks, but for Sun Yuze, a physical education major in a university in Shenyang, "punching in" is more like a self-improvement class. His long "punch card road" began when he decided to become a sports special enrollment.

　　Sun Yuze saw on Weibo that sports bloggers used the fitness "punch-in" App to train every day, so he gave it a try. Because of his good sports foundation, it was not hard for him to "punch in" at first. Driven by novelty and satisfaction, he secretly made up his mind to finish this task.

　　The training during the winter vacation of the third year of high school made him gradually pay less attention to the training programs provided by sports apps. In winter in the north, the outdoor temperature is MINUS ten degrees Celsius, and the members of the sports team run around the playground next to the biting low temperature and practice leg lifts over and over again. I finally got to the end of training at 7 o’clock in the evening, and I had to rush back to school for evening self-study. When he got home at night, he just wanted to fall asleep and was not in the mood to "punch in" at all.

　　Nowadays, Sun Yuze has learned more professional and systematic physical exercise methods in class, and the fitness "punching" App is not so practical in his eyes. He simply gave up "punching".

　　Although he no longer "clocks in", Sun Yuze still thinks that "clocking in" is the most effective, convenient and fast way of self-study. He believes that as long as he is determined enough, he can "have a card in his heart".

　　According to the results of the media survey of Zhongqing School, 74.70% of the college students surveyed believe that the motivation to "punch in" is to improve their own ability through persistence, 57.23% want to prove that they have the ability to persist, and 22.29% hope that others can see their persistence. They choose "punching in", not the action of "punching in", but the knowledge and skills they have learned behind "punching in".

　　“‘ Punch in ’ After a long time, it is a part of life. The pace of life has changed, ‘ Punch in ’ It must also change. " Zhu An’s admiration for "punching in" stems from the recommendation of his deskmate "Xueba" in senior three. Before the third year of high school, she didn’t think learning was a top priority, but when the first year of high school started, more than a dozen papers and large chunks of knowledge every day made her panic.

　　"I only got 74 points in the math exam at the beginning of the third year of high school, and I felt thunderous at that time." Her deskmate is a "punching girl" who will customize her tasks every day. There is always a delicate "punching list" in the upper left corner of the table. "This is very useful. It is very happy to watch yourself get better every day." A word from my deskmate moved Zhu An, who had just suffered a blow.

　　From then on, Zhu An will spend 10 minutes between classes with her deskmate every day to make a "punch-in" list and urge herself to complete the study task. When she gets home, she will give herself an extra set of math exercises, which is also "firm." She persisted from November of the third year of high school to the college entrance examination the following year, and finally her math score in the college entrance examination rose from 74 points just entering the third year of high school to 118 points.

　　Zhu An thinks that "punching in" means climbing a mountain. Every inch you enter will bring you joy. You don’t have to pursue the number of days of "punching in", but you just want to be better yourself every day.

　　Establish a correct "punch card view"

　　Weng Jin is a student majoring in Chinese international education in a university in Fujian. Due to the needs of her major, this summer, she found an oral English practice App and began to "punch in" every day. She chose to "punch in" because she needed an external force to urge herself. However, Weng Jin knows very well that the goal she is pursuing is not points or material rewards. She cares more about whether her oral English is improved. "Punching in" is just a form of restraining herself.

　　Even when he is in a bad mood, Weng Jin will still bite the bullet and learn at the thought of "punching in". Weng Jin once had a hard time working in an internship unit. When she got home from work, she simply ate a few mouthfuls of dinner and hid in her room. All she could think about was her experiences during the day. At 10 o’clock in the evening, the prompt sound of oral "punching in" pulled her out of her unhappy mood. She looked at the "punch-in" prompt on the mobile phone screen and encouraged herself that "since there is such a" punch-in "task, the progress is still 0%, and it will be completed anyway". Because she was not in the state, the learning effect of the day made her very dissatisfied. After completing the "punch-in" task, she took out her mobile phone again, spent 15 minutes more than usual, and read the software twice more.

　　Weng Jin thinks that the key to "punching in" is to see what the individual wants. What kind of purpose to "punch in" will eventually have what kind of effect. Weng Jin thinks that the effect of "punching in" is not bad, and she has her own set goals and direction of efforts. It is beneficial for her to "punch in".

　　Zhang Yu, who can go to school in Shenyang, is not optimistic about "punching in". This summer vacation, he is preparing for the international CPA exam. He also chose to "punch in" and update a study photo in the circle of friends at ten o’clock every day.

　　At first, it was difficult for him to sit at his desk and study for nearly an hour. "It’s all numbers and charts. It’s boring." Learn to learn, and the pen in his hand will turn. In the first few days, he sent a circle of friends every day, and many friends interacted with him in the "circle", which made him feel encouraged and energetic in learning. However, it didn’t take long for the circle of friends to praise each other less and less. Without feedback, learning turned back to a person’s "bitterness" and the sense of boredom returned. Zhang Yu admits that he chose "punching in" to some extent in order to get the material rewards provided by the learning institutions, and his learning progress and efficiency have not changed because of "punching in".

　　"I feel that sending a circle of friends is to promote educational institutions and it will not help me." Zhang Yu said, "Sometimes I feel bored, and I feel that I have one more thing to do inexplicably."

　　According to the survey results of Zhongqing school media, 86.13% of the respondents believe that it is effective to insist on "punching in", which is closely related to their original intention of "punching in".

　　Gu Liqun believes that "punching in" is a good growth boost for college students, but everyone cannot be forced to complete a certain study in this way. Everyone has different preferences and paths when planning their life. Don’t apply "punching in" to everyone. If you don’t use it well or don’t want to use it, don’t feel guilty or blame yourself.

　　"Insist on ‘ Punch in ’ It’s just an external form, not a propaganda, let alone a show. ‘ Punch in ’ The key to persistence is whether you want to pass ‘ Punch in ’ What you get, what you can really support yourself step by step, is to learn the knowledge and skills in your hands. " Gu Liqun said.

　　(At the request of the interviewee, Zhu An, Li Hao and Zhang Yu are pseudonyms.)

　　Fujian Normal University Wang Junli Liaoning University of Science and Technology Jiang Tianyi China Youth Daily China Youth Network Trainee Reporter Bi Ruoxu

　　BEIJING, Beijing, April 7 (Lv Chunrong) Recently, the news that the fourth-grade Chinese text "Dignity" of the People’s Education Edition was accused of "counterfeiting" attracted attention. On the evening of the 7th, People’s Education Publishing House responded that the publishing house was organizing relevant experts to judge this. In addition, this article was not selected in the new version of Chinese textbooks that started to be used in September 2016. Regarding the voice of doubt, the publishing house said that it will take it seriously and deal with it in line with the principle of listening with an open mind and correcting mistakes.

　　A few days ago, it was reported by the media that Wu Zhaohua, a Chinese teacher in high school affiliated to renmin university of china, publicly questioned that the article Dignity in the second volume of Chinese for the fourth grade published by People’s Education Press (hereinafter referred to as People’s Education Press) was suspected of being "fake".

　　According to the report, the article "Dignity" is to the effect that the young refugees who wandered to Southern California insisted on exchanging their labor for food. Uncle Jackson, the mayor, was very appreciative and betrothed his daughter to him, predicting that he would succeed because he had dignity. This refugee is the oil magnate Hammer.

　　After consulting the relevant materials, Wu Zhaohua questioned, "When did such an industrialist turn pale and scrawny and flee for food? One of his first two wives was a Russian baroness and the other was from New Jersey. Which one was given to him by Uncle Jackson, the mayor of Southern California? "

　　In response to online comments, the People’s Education Society responded on the evening of the 7th that, after verification, this article was first published in 1998 by Li Xuefeng, at the beginning of the world, and was later reprinted by many publications such as Popular Science and Technology and Yilin, and was selected as the Chinese textbook of the People’s Education Edition in 2004. In response to online opinions, they are organizing relevant experts to conduct research and judgment, and will make corresponding treatment according to expert opinions.

　　In response, the publishing house said that the central government attaches great importance to the construction of textbooks for primary and secondary schools. Since 2012, the Ministry of Education has organized national first-class experts to newly compile and write Chinese textbooks for compulsory education, but this article has not been selected. The new version of Chinese textbooks has been used in September 2016, and the original Chinese textbooks will be replaced one after another, while the old version will no longer be used.

　　According to the publishing house, in the process of compiling the new edition of teaching materials, the writing team strictly grasped the standards for selecting articles, listened to opinions extensively, and sent the teaching materials to experts in relevant fields for strict examination and control. In the new textbook, some controversial articles will no longer be selected.

　　At the beginning of March this year, some texts in the primary school Chinese textbook published by People’s Education Press, such as "Edison Save Mom", also caused some teachers and parents’ disputes, and the authenticity of the articles was questioned by netizens. In this regard, the People’s Education Society once responded that controversial articles such as "Edison Save Mom" were not selected in the new textbook.

　　In today’s response, the publishing house further stated, "We will seriously treat and deal with all kinds of questions raised by all sectors of society about the textbooks of People’s Education Society on the principle of listening with an open mind and correcting mistakes. Thank you for your concern and support for our work. " (End)

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After the test drive of Mercedes-Benz EQE SUV, the owner of car home said that although the power performance of the model was acceptable, the low-profile version lacked the function of rear wheel steering, resulting in insufficient flexibility. Compared with his previous BMW 3 Series, the handling of Mercedes-Benz EQE SUV is inferior. In addition, when he encountered a big pothole, he found that the car body was shaking obviously and the suspension system felt soft.

　　① Lai Jinzhi, a doctor from Peking Union Medical College Hospital, diagnosed and treated patients online. Photo courtesy of Peking Union Medical College Hospital

　　② The doctor of Peking Union Medical College Hospital is writing the patient’s medical record. Photo courtesy of Peking Union Medical College Hospital

　　③ Doctor Liu Yongtai of Peking Union Medical College Hospital has video communication with patients’ families. Photo courtesy of Peking Union Medical College Hospital

　　④ The staff of jiangsu province hospital Internet Hospital Office showed the mobile phone Internet hospital platform. Xinhua news agency

　　The concept of Internet hospital sprouted in 2011, and by the end of 2015, the first Internet hospital in China — — Wuzhen Internet Hospital was established. In April 2018, the General Office of the State Council issued the Opinions on Promoting the Development of "Internet+Medical Health", which put forward the concept of Internet hospital for the first time in the document, and made it clear that Internet hospitals must rely on physical medical institutions.

　　Different from the online consultation in the past — — Taking advantage of doctors’ fragmented time for consultation, it provides services of registration, payment and report inquiry. Internet hospital refers to a one-stop service platform that relies on physical hospitals, focuses on online follow-up and routine consultation, and integrates consultation, prescription, payment and drug distribution.

　　"The Internet diagnosis and treatment of Union Medical College Hospital is not the earliest, but we strive to do our best." Qin Mingwei, director of the telemedicine center of Peking Union Medical College Hospital, said that the hospital can provide follow-up services for some patients with common diseases and chronic diseases. At present, 27 departments including cardiology, endocrinology and dermatology have been opened to support in-hospital case review, online consultation, inspection and prescription.

　　Because of the epidemic, Internet diagnosis and treatment has "fired" from the small public’s field of vision to the public’s demand. According to incomplete statistics, there are now more than 1,100 Internet hospitals in China. From online consultation, appointment and registration to providing high-quality online diagnosis and treatment services, after experiencing "more doctors" and "faster prescription", how can Internet hospitals move towards "good curative effect" and "low cost", so that ordinary people can really see the disease, see it well and afford it? Obviously, there are still several unsolved problems in front of the Internet hospital.

　　1. Can it alleviate the difficulty of seeking medical treatment?

　　"Hello, Dr. Chai, I have been eating metformin, and my blood sugar is somewhat repeated. The control is not ideal. What should I do?"

　　"Your islet function is OK. You should keep taking metformin. I’ll give you another medicine to eat with."

　　"I’m quite fond of eating, including some sweets. Can I eat fruit?"

　　"You can eat some northern fruits in moderation. Diabetes still needs to be shut up, ‘ Sugarcane is not as sweet as both ends ’ If you want to be healthy, you must learn to avoid eating, which is indeed a ‘ Pain ’ The process of … …”

　　This is the scene where Chai Xiaofeng, the attending physician of endocrinology department of Peking Union Medical College Hospital, makes a follow-up visit to Mr. Bai in Jinzhong City, Shanxi Province through the network. Mr. Bai told the reporter that with the help of his family, he hung up the number of his previous doctor by using the "Peking Union Medical College Hospital" App and successfully completed the follow-up visit. "Very patient and responsible, and the advice given is very professional!"

　　How to operate the mobile phone follow-up visit? Hospital staff clicked on the "Peking Union Medical College Hospital" App to demonstrate to reporters: before the appointment time on the day of the visit, on the home page, "I" — — Check in the "consultation record". According to the registration order, the doctor initiates the consultation invitation in the form of short message, voice or video, and the patient can reply to the information or click answer to start the consultation. The whole process is easy to operate, even for elderly patients who can’t surf the Internet, they can easily complete it with the help of their families.

　　"The speed of the development of Internet medical care first depends on the development of products." Chen Qiulin, deputy director of Health Industry Development Research Center of China Academy of Social Sciences, pointed out that this is an interactive process, and product innovation and model innovation can promote system innovation.

　　"Online doctors are mostly young and middle-aged doctors, and offline clinics are still occupied by senior professors. In this way, regular follow-up patients can no longer occupy the source of offline clinics and leave the source to those patients with incurable diseases. This is also the optimal allocation of medical resources." Qin Mingwei said that 60% of the patients in Peking Union Medical College Hospital came from outside Beijing, and the online follow-up visit also greatly saved the time cost and round-trip expenses of patients.

　　"We have also opened the online and offline outpatient service conversion appointment function." According to Qin Mingwei, the patient’s condition of online follow-up is relatively stable, and there is no need for complicated medical examination or treatment. However, if the patient’s condition is found to have changed significantly and is no longer suitable for online diagnosis and treatment, he can directly arrange an appointment for an offline clinic to avoid the trouble for patients to make appointments through other channels.

　　How to get medicine in an Internet hospital? It is understood that in September last year, the Internet medical drug distribution service of Peking Union Medical College Hospital was officially launched. In order to make the express delivery arrive more accurately, the hospital selects high-quality drug delivery contractors and signs long-term cooperation agreements. National non-medical insurance patients can enjoy the "peer-to-peer" delivery service of drugs to their homes after returning to Peking Union Medical College Hospital online, and can inquire about prescriptions and medication guidance on the mobile phone client of Peking Union Medical College Hospital. If in doubt, they can also consult with Concord pharmacists online.

　　There are hundreds of millions of patients with chronic diseases in China. The diseases are incurable and have many complications, which need long-term medication and health management to control. "I saw 25 patients in the morning according to the regulations. In fact, I often saw more than 40 patients. Half of them may be unnecessary to see. " Sun Xiaodong, deputy director of the Department of Ophthalmology of Shanghai First People’s Hospital, said that 70% ~ 80% of chronic diseases can be consulted in Internet hospitals.

　　According to Lu Qingjun, director of the Office of National Health Commission Primary Telemedicine Development Guidance Center, large hospitals have the ability of technological innovation and academic leadership. After establishing an Internet hospital and forming a mature platform, they can be shared and transferred to the primary level. "In the future, I believe that all medical institutions have the opportunity and ability to use the Internet platform to carry out Internet medical care."

　　Mao Ying, dean of Huashan Hospital of Fudan University, hopes to further rationalize the relationship between public hospitals and Internet hospitals such as third-party medical institutions, and at the same time, open the scope of practice and the autonomy of subjects and prices of Internet hospitals in public hospitals. "At present, online follow-up dispensing in public hospitals is limited to ordinary clinics, and expert clinics and special needs clinics have not been liberalized."

　　"The positioning of our Internet hospital is very clear from the beginning, that is, to achieve graded diagnosis and treatment, to leave patients at the grassroots level, and to sink high-quality medical resources to the end, to send medicines to the people at the grassroots level, to standardize management, to implement education, and to minimize medical expenses." Li Guanming, deputy secretary of the Party Committee and vice president of the Second People’s Hospital of Guangdong Province, said.

　　2. Can you achieve the effect of offline diagnosis and treatment?

　　Behind the rapid development of Internet medical care is the rigid demand for people’s livelihood. In the face of Internet hospitals, many people have questions: Can remote video see the symptoms clearly? If you don’t take a film and check your blood, can you diagnose it?

　　In fact, Internet hospitals at this stage are not "cloud consultation" but "cloud follow-up". "Many patients have already seen a doctor in a physical hospital, and all the tests that should be done have been done. On the one hand, online follow-up is to understand the progress of the disease, on the other hand, it is to prescribe drugs and adjust drugs. More patients go to ‘ Cloud ’ It is to consult a doctor’s professional opinion. If further examination or surgery is needed, the doctor will inform the patient to transfer to a physical hospital for treatment. If it is impossible to see a doctor, how to deal with it temporarily. " Shu Yongqian, director of jiangsu province hospital Cancer Center, pointed out that this kind of consultation is more like the pre-examination and triage of primary medical institutions, focusing on judging the severity of patients’ symptoms, and forming a service order of graded diagnosis and treatment with offline entity hospitals. On the Internet hospital platform, you can directly return to the clinic and issue an electronic prescription to buy drugs.

　　At present, the technical means of online diagnosis and treatment are relatively mature. Internet hospitals have made great progress in mobile ward rounds, mobile nursing, full link of monitoring equipment, remote first aid, remote consultation, medical teaching, surgical robots and remote surgery.

　　In April last year, sir run run shaw hospital cooperated with Zhejiang Unicom and Huawei Company to set up a 5G Innovation Center. By sorting out more than 2.5 million electronic medical records in the hospital, it led the development of a general clinical intelligent decision-making system, and built a medical knowledge map covering more than 600,000 ontological logical logical associations. Based on the current medical knowledge base and reasoning model, this AI reasoning engine can infer and push the symptoms, signs, medical history and examination results of patients with an accuracy rate of 90%.

　　"Now there are no technical problems in the development of Internet hospitals. The real bottleneck is how doctors really devote themselves to Internet hospitals. Internet hospitals are not ‘ Light consultation ’ Upgrade and revision. " Zhang Qiang, a well-known vascular surgery expert, suggested the establishment of internet diagnosis and treatment, from fragmented services to exclusive customized services, from no standard to full quality control.

　　Cui Yong, vice president of the China-Japan Friendship Hospital, said: "To ensure a high degree of consistency between online and offline, this also puts high demands on doctors. It is necessary to learn to use Internet technology to carry out diagnosis and treatment. " In this regard, Zhao Chengsong suggested that doctors should be trained on the Internet to improve their online diagnosis and communication skills. "Internet medical care is not exclusive to young doctors. Experienced experts should take the lead in embracing the Internet so that more patients can enjoy quality medical resources." Zhao Chengsong said.

　　National Health Commission explicitly requested that Internet diagnosis and treatment activities should not be carried out for the first-time patients, which was based on medical safety considerations. In the future, which projects can be "tested" for initial diagnosis?

　　Cui Yong believes that we can "test the water" from the field of skin diseases. "Most skin diseases can get good diagnostic information through naked eyes or simple equipment (such as dermatoscope). At present, ‘ Skin image application framework network ’ It can also achieve information exchange well and can be used for telemedicine and Internet diagnosis and treatment. " Cui Yong said.

　　"In the future, diseases that can be accurately diagnosed through intuitive information collection may be considered for online initial diagnosis." Cui Yong pointed out, however, critical illness and incurable diseases are definitely not suitable for online initial diagnosis, and diseases that need to be examined and tested generally need to go to medical institutions or third-party service institutions (provided that a mutual recognition system for examination and test results is established).

　　In this regard, Yuan Li, director of the wuhan union hospital Clinic Office, also agreed. She said that online consultation and offline consultation are not a substitute, but more are extended services before and after the hospital to reduce the economic and time burden of patients and timely inform patients of the most authoritative and most suitable popular science knowledge. At present, online consultation in wuhan union hospital is divided into two categories: health consultation and follow-up consultation. Doctors will give corresponding suggestions according to the information provided by patients, but the diagnosis, diagnosis and treatment of diseases still need offline consultation and examination.

　　3. Can online medical insurance settlement be popularized?

　　0.02 seconds to extract historical medication information, and 2 minutes to complete identity verification and medical insurance binding … … In April last year, Shandong Province’s Internet medical insurance big health service platform was launched, and key links such as medical insurance certification, follow-up check-up, online prescription, and drug delivery to home were seamlessly connected. Shandong became the first province in China to fully open and support online medical insurance settlement for Internet diagnosis and treatment.

　　Mr. Zhang from lanshan district, Linyi City became the first beneficiary. "As long as in ‘ Shandong Medical Insurance Great Health ’ After completing the medical insurance identity verification and medical insurance binding in WeChat official account, you can use medical insurance payment by choosing an Internet hospital for treatment. " Mr. Zhang is 54 years old and suffers from coronary heart disease. He usually needs to make regular follow-up visits to get medicine. "It’s so convenient now! Seeing a doctor at home can also be settled by medical insurance and delivered to the door. "

　　According to incomplete statistics, since 2015, the state and local governments have issued more than 100 policies and regulations on Internet medical care, which have gradually covered "medical — Medicine — Risk "field. In response to the issue of medical insurance reimbursement in Internet hospitals, the relevant person in charge of the National Medical Insurance Bureau said that it will improve the price formation mechanism of "Internet+medical care" services, adhere to the basic principle of reasonable price comparison between online and offline similar services, incorporate medical expenses into medical insurance, and implement online direct settlement.

　　"The insured person is designated in this overall planning area ‘ Internet plus & rsquo; The medical and drug expenses incurred by the prescription issued by the medical service follow-up visit can be paid according to the existing treatment policy of offline medical insurance. With the prescription of designated medical institutions, you can also take medicine at local designated pharmacies. " Xiong Xianjun, director of the Medical Service Management Department of the National Medical Insurance Bureau, said.

　　Lu Qingjun believes that the "internet plus" medical insurance payment policy clarifies that the "internet plus" medical service is included in the specific content of medical insurance payment, online and offline medical services are treated fairly, and priority is given to ensuring the demand for follow-up visits for chronic diseases and special diseases, and supporting the circulation of purchased prescriptions, which not only facilitates patients, but also reduces the pressure on hospitals.

　　"Internet hospitals need links of various elements. Under the premise of high-quality diagnosis and treatment services, medical services, medicines, insurance, etc., the real Internet diagnosis and treatment will appear in the cooperation and exploration between doctors and third parties. With the enhancement of patients’ willingness to pay at their own expense and the intervention of commercial insurance, Internet hospitals will have a stronger ‘ Vitality ’ 。” Zhang Qiang said.

　　Although Internet hospitals provide many conveniences for patients to seek medical treatment, the difficulty of supervision has also become a major pain point that hinders its development. The reporter noted that the third-party Internet hospital platform is characterized by "e-commerce", and the use of traffic to sell drugs has become a common model, and Internet hospitals have become Internet medicine.

　　Yinchuan is the "pioneer area" of Internet medical exploration in China. During the two sessions this year, Commissioner Ma Xiuzhen, director of Ningxia Health and Health Commission, pointed out in his proposal that drug sales revenue is an important source of profit for some commercial Internet hospitals. Due to the lack of motivation to supervise over-medication, doctors may be encouraged to prescribe more drugs, or even collude with pharmaceutical companies to promote online drug sales, leading to over-medication. At present, the regulatory authorities have not yet established a regulatory system for excessive drug use for online diagnosis and treatment, and violations have an upward trend. Therefore, it is suggested to implement "separation of medicine" online.

　　To this end, Chen Qiulin reminded that in the future, the Internet hospital supervision platform should dynamically monitor online diagnosis and treatment services, and carry out medical technology evaluation and health economics evaluation, especially for services to be included in medical insurance payment, it should monitor the changing trend of online and offline medical care and analyze its substitution and complementarity.

　　 　 　(Reporter Cui Xingyi)

　　The front face of the 22 Defender new cars is novel, and the headlights on both sides are square and sharp, and they are domineering. The side lines of the body are straight and smooth, running through the front and rear, and they are matched with multi-spoke wheels, which adds a sporty atmosphere. In the rear part of the car, the taillights are designed with rounded corners and squares, which are highly recognizable after lighting. The overall shape has a clear sense of hierarchy.? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?

　　If you have any questions about buying a car after 12 years of deep cultivation in the industry, I will answer them for you as soon as possible. Xiaohua 17694861311 with WeChat

　　The Land Rover Defender will be divided into two versions according to the wheelbase, 90 version and 110 version, and each version will be divided into multiple models, including the first limited edition, the top X, and the S, HSE and SE versions. According to the information we have obtained so far, it can be seen that the 110 version that will be listed in China will launch a total of four Defender X, China’s first limited edition, HSE and SE versions.

　　In terms of body size, the 22 Land Rover Defender is 4853mm long, 2008mm wide, 1967mm high, and has a wheelbase of 2587mm. It is positioned as a medium-sized SUV. The car adopts the plan of front double fork arms and rear multi-link independent suspension, integrates the atmosphere hanging system, and the height of the high and low adjustment is limited to 14cm. It has a very small ground clearance of 218mm. With a 38-degree angle and a 40-degree farewell angle, the water depth can reach 0.9 meters. The off-road experience is very powerful.? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ??

　　22款路虎卫士内饰设计变得不再简陋，中控台使用了涂层镁合金材质，进一步提升了内饰的耐用性，新车使用了全新的四辐式方向盘、12.3英寸全液晶仪表、10英寸中控屏幕，空调旋钮带有液晶显示屏，电子挡把位于中控屏下方，使用更加顺手。

　　22款路虎卫士基于全新的极限全地形D7x平台打造，采用轻量化智能全铝架构，独创的整合式承载车身造就最坚固的路虎，为独立式空气悬架和智能化全时四驱系统的完美表现提供了最佳保障。

　　22款欧规卫士2.0两门P300

　　选配：滑动全景，LED大灯，前雾灯，中控11.4寸大屏。

　　标配： 18钢轮LED大灯LED屋灯多功能方向盘带照明化妆镜的遮阳板2区空调电动折叠加热外后视镜，自动变光内后视镜，织物座椅8项可调节前排座椅，（手动-向前/向后，手动-座椅高度，手动-头枕高度，电动-靠背倾斜）180W音响（6个扬声器）TFT液晶仪表显示器，自主紧急制动（AEB）3D环绕影像系统带限速器的巡航控制车道保持辅助泊车辅助360°带自适应限速器的交通标志识别涉水感应全地形系统 有京环

　　添加本人微信朋友圈每天更新大量平行进口车新车上市，配置、报价、图片。

　　您购车有任何不解问题，我会第一时间为您解答。小花花17694861311同微信

　　公司名称：天津恒泰汽车销售有限公司

　　公司地址：天津滨海新区天保大道86号

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　　On November 15, Dongfeng Yipai e π 008 five-seat version was listed, with a guide price of 206,600 yuan – 211,600 yuan, and a limited-time hand price of 178,600 yuan – 188,600 yuan.

　　The eπ 008 five-seat car simplifies the third row of seats, widens the center armrest, and changes to a light brown interior. It is equipped with a new 10.25-inch LCD meter, main driver seat massage, 21.4-inch rear entertainment screen, and electric release inner door handles. The car has been increased to 22 storage compartments + more trunk space.

　　The five seats of eπ 008 have a 2.4-meter oversized double bed, a 2-meter + L-shaped chaise longue, and two rows of magic carpet seats, which can be flexibly combined. The whole car is equipped with a panoramic sound 20-speaker music cockpit, a 15.6-inch 2K ultra-thin central control screen, a rear smart armrest screen, a dual-purpose smart refrigerator (5-50 ° C), a front and rear double panoramic canopy + sunshade, and a 220V socket in the car + an outside V2L can be discharged at the same time. The new car is equipped with eT PILOT smart driving pilotage system, which supports high-speed pilotage assistance and memory parking.

　　The eπ 008 five-seat pure electric version continues to carry a single motor with a maximum power of 200kW, a power consumption of 14.7kWh for 100 kilometers, and a cruising range of 636km for CLTC. The extended range version is equipped with a 1.5T four-cylinder range extender, a maximum power of 108kW for the range extender, a maximum power of 200kW for the drive motor, and a fuel consumption of 4.7L for the CLTC 100 kilometers. The comprehensive cruising range is 1300km.

Nowadays, when consumers buy a car, safety configuration is one of the most important considerations, so whether the active/passive safety configuration is rich will directly affect its popularity. Today, we are bringing you a -. Take a look at it now.

First of all, from the appearance point of view, the Maybach S-class front shape looks very cute, looks very round. With soft headlights, the overall look is very simple and elegant. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, automatic steering, delayed closing, etc. To the side of the body, the body size of the car is 5470MM*1921MM*1510MM, the car adopts exquisite lines, the side circumference gives a very fashionable and sporty feeling, with large-sized thick-walled tires, the shape is quite domineering. Looking back, the rear looks cute, the taillights show a young and fashionable design style, and the exhaust pipe layout uses a gun barrel shape, which looks very avant-garde.

Coming into the car, the interior design has taken a cool route, in line with the aesthetic standards of young people. The steering wheel of the car uses a hollow design and leather material, and everything looks very atmospheric. Let’s take a look at the central control, with a 12.8-inch central control screen, the interior design is quite layered and soft. Let’s take a look at the dashboard and seats. The dashboard of the car presents a stylish and simple design style, which looks very beautiful. The car adopts leather seats, which are wide and thick, and the materials are exquisite for comfortable riding.

Maybach S-class matching automatic manual (AT) gearbox, 100 kilometers acceleration time of 4.7s, power performance is good, to meet the daily use of completely OK.

The car is equipped with vehicle to everything, driving mode selection, remote control key, rear window sunshade, interior ambient light and other configurations, and the configuration has reached the mainstream level of the same level.

I have already introduced this car. I believe that many users who buy a car have taken a fancy to its comfort and practicality. As long as you really like it, the purchase is over. Hurry up and go to the 4S store to place an order.

Welcome to Autohome Changzhou Promotion Channel, revealing a great news for you! At present, the much-anticipated Toyota is conducting an unprecedented price reduction promotion activity, aiming to give back the enthusiastic support of consumers. In the bustling city of Changzhou, the maximum discount amount has reached an astonishing 20,000 yuan, and the minimum starting price has been as low as 158,800 yuan. This is undoubtedly an excellent opportunity for car buyers not to be missed. If you are interested in Asian Dragon and want to seize this price reduction opportunity, be sure to click the "Check Car Price" button in the quotation form to get more detailed preferential policies and real-time discount information in time, so that your car purchase dream can be further advanced.

The exterior design of the Toyota Asian Dragon shows a unique elegance and dynamism. The front face is equipped with a sharp hexagonal air intake grille and a dynamic LED headlight set to create a strong visual impact. The body lines are smooth, and the overall style blends business and sports elements, reflecting the perfect combination of refinement and power. The waist line design on the side of the body further emphasizes its sporty temperament, while the tail is wrapped in a clean line, and the exhaust layout of two sides shows the modern atmosphere and design sense of the Toyota Asian Dragon.

The side lines of the Asian Dragon are elegantly and smoothly designed, with a body size of 4990mm long, 1850mm wide and 1450mm high, and a wheelbase of 2870mm, providing a spacious and comfortable layout for the interior space. The accurate ratio of the front wheelbase of 1595mm and the rear wheelbase of 1605mm not only ensures driving stability, but also gives the vehicle good handling performance. The tire specifications are 215/55 R17, and the wheel style that is in harmony with the body line is selected. The overall design not only takes into account practicality, but also does not lose a sense of movement and refinement.

The interior design of the Asian Dragon draws on the fusion of modern and classic, creating a simple yet elegant atmosphere. The steering wheel is made of plastic material, although it is not full of high-end sense, it focuses on practicality and wear resistance. The 10.25-inch central control screen occupies the visual focus, and the operation interface is intuitive, providing rich information and entertainment functions. The seats are mainly made of fabric material, although not luxury material, but comfort and durability are guaranteed. The front seats support manual up and down and front and rear adjustment, as well as 2-way high and low adjustment, while the passenger seat also has front and rear adjustment and backrest adjustment to meet the needs of different drivers. As for the charging interface, there are Type-C interfaces on the car. There are 3 in the front row and 2 in the rear row, which meet the convenient connection of modern technology equipment.

The Asian Dragon’s 2.0L engine delivers a maximum power of 127 kilowatts and a peak torque of 206 Nm. The L4 engine powers the vehicle with 173 horsepower and is paired with a CVT continuously variable transmission for a smooth shift experience. The simulated 10-speed setting further enhances driving flexibility and comfort.

All in all, according to the Autohome owner, the Asian Dragon has won him over with its exquisite and impactful exterior design, with smooth body lines and outstanding visual effects. This model undoubtedly shows a unique charm in appearance, bringing a pleasant experience to the driver. For consumers who pursue aesthetic appearance, the Asian Dragon is undoubtedly a worthy choice.