作者： admin

　　Cctv newsIn December 2021, China Banking and Insurance Regulatory Commission issued the Regulation on the Solvency of Insurance Companies (II), which will be implemented from 2022. Since the implementation of Rule II, it has achieved positive results in guiding the insurance industry to serve the real economy and supporting the development of the capital market. The heads of relevant departments in China Banking and Insurance Regulatory Commission, China, answered reporters’ questions on relevant issues.

　　1. What is the background and implementation of Rule II?

　　Rule II is an important measure for China Banking and Insurance Regulatory Commission to implement the spirit of the Fifth National Financial Work Conference and make a good decision to prevent and resolve major financial risks. The construction of Rule II was started in September 2017, with the goal of guiding the insurance industry to return to the source of security, focusing on its main business, enhancing its ability to serve the real economy, effectively preventing the risks of the insurance industry, and accelerating the full opening up of the financial industry, and comprehensively optimizing and upgrading the original solvency supervision rules. Judging from the implementation in the first half of this year, Rule II has improved the risk sensitivity and effectiveness of regulatory indicators, and achieved positive results in guiding the insurance industry to serve the real economy and supporting the development of the capital market.

　　2. What specific policies does Rule II have in guiding the insurance industry to serve the real economy? What is the initial effect?

　　Rule II gives a number of support policies to green bonds, scientific and technological innovation, export credit insurance, agricultural insurance and endowment insurance, which effectively promotes the insurance industry to enhance its ability to serve the real economy and enhance its quality and efficiency.

　　One isGuide insurance companies to support scientific and technological innovation. Rule II allows professional technology insurance companies to measure the minimum insurance risk capital at 90%, so as to guide them to better serve the technology field and implement the concept of innovation and development. This policy can greatly save the minimum capital of professional technology insurance companies and improve their solvency adequacy ratio. By the end of the second quarter of this year, the supporting companies had provided 2.1 billion yuan more risk protection for the technology field.

　　The second isEncourage the development of exclusive commercial endowment insurance business. Rule II allows the minimum capital of longevity risk of exclusive commercial endowment insurance products to be measured at the rate of 90%, which strongly supports the development of the third pillar endowment insurance. By the end of the second quarter of this year, the premium of exclusive commercial endowment insurance products in the insurance industry was about 2.2 billion yuan, and it showed a rapid growth trend.

　　The third isSupport insurance companies to invest in green bonds. Rule II allows the minimum capital of green bonds invested by insurance companies to be measured at 90%, which guides the insurance industry to implement the concept of green development and effectively promotes the enthusiasm of insurance companies to invest in green bonds.

　　The fourth isSupport the development of agricultural insurance business. Rule II allows insurance companies to measure the minimum insurance risk capital of agricultural insurance business at a rate of 90%. At the end of the second quarter of this year, this policy saved the minimum capital of the insurance industry by about 2.7 billion yuan, which can support insurance companies to provide about 420 billion yuan more risk protection for agriculture, rural areas and farmers, and effectively implement the decision-making and deployment of "ensuring food and energy security".

　　The fifth isSupport the development of export credit insurance, overseas investment insurance and other businesses. Rule II gives support to medium and long-term export credit insurance and overseas investment insurance, and allows the minimum capital of insurance risk to be measured at 90%. Based on the data at the end of the second quarter of this year, this policy can support insurance companies to provide about 240 billion yuan more risk protection for China’s exports and overseas investment, and effectively implement the decision-making arrangements for stabilizing foreign trade.

　　3. What are the policies of Rule II in supporting the development of the capital market? What is the current effect?

　　Rule II gives preferential policies to insurance funds to invest in banking stocks, large-cap blue-chip stocks and publicly offered infrastructure securities investment funds (publicly offered REITs), supports the insurance industry to participate in the capital market reform, and maintains the healthy and stable development of the capital market.

　　One isSupport insurance companies to invest in large-cap blue chip stocks. Rule II allows the minimum capital of the Shanghai and Shenzhen 300 constituent stocks invested by insurance companies to be measured according to the proportion of 95% to support the smooth operation of the capital market. Under the guidance of policy support, by the end of the second quarter of this year, the insurance industry had invested about 790 billion yuan in the Shanghai and Shenzhen 300 constituent stocks, saving a minimum capital of 13.8 billion yuan, which strongly supported the smooth operation of the capital market.

　　The second isSupport insurance companies to invest in public offering of infrastructure securities investment funds (public offering REITs). Rule II allows insurance companies to invest in publicly offered REITs, allowing the minimum capital to be measured according to the proportion of 80% to support the reform and development of the capital market. By the end of the second quarter of this year, the insurance industry had invested about 7 billion yuan in public offering REITs, accounting for about 13% of the total scale of public offering REITs, and it was an important institutional investor. The above policies saved the minimum capital of insurance companies by about 720 million yuan, which strongly supported the insurance industry to participate in the reform and development of the capital market.

　　The third isSupport and encourage insurance companies to invest in banking stocks. Rule II For the long-term equity investment of banks invested by insurance companies, if the dividend yield meets certain conditions, the impairment requirement can be exempted, and the insurance company is allowed to take its book value as the recognized value. This policy supports insurance companies to hold shares of listed banks for a long time and maintain the healthy development of the capital market.

　　4. Next, what other measures will solvency supervision take to guide the insurance industry to serve the real economy and support the development of the capital market?

　　According to the decision of the CPC Central Committee in the State Council, China Banking and Insurance Regulatory Commission will continue to improve solvency supervision standards, thoroughly implement new development concepts, strengthen policy guidance, and continuously enhance the insurance industry’s ability to serve the overall economic and social situation on the basis of scientific and effective risk prevention and control.onebeContinue to support the development of commercial pension business. According to the characteristics and development reality of commercial pension business, we will study and formulate preferential policies for solvency, reduce the capital occupation of the company, support the insurance industry to carry out commercial pension business, and promote the healthy development of the third pillar pension insurance.twobeFor the investment assets formed by insurance funds supporting and implementing the national strategic decision-making, study and clarify their definition standards and preferential policies, reduce their minimum capital requirements, and enhance the ability of the insurance industry to serve the overall situation.

　　On June 20, farmers held hybrid rice grains in the field in Jihangjia county, Bubanza province, Burundi. Xinhua News Agency reporter Han Xushe

　　Since the beginning of this year, affected by the global economic weakness, frequent regional conflicts, extreme weather events and other factors, global food prices have been rising all the way. According to FAO data, the global rice price has reached the highest level in 11 years since July, and there is a further upward trend. Many people are worried that the global food security crisis may intensify again.

　　The price of major grain has risen.

　　On July 17th, Russia announced that the validity of the agreement on the export of agricultural products in the Black Sea port was suspended, which aroused widespread concern in the international community.

　　Since the escalation of the Ukrainian crisis in February 2022, the export of agricultural products from Russia and Ukraine via the Black Sea port has been disturbed. On July 22, 2022, under the mediation of Turkey and the United Nations, Russia and Ukraine signed an agreement on the export of agricultural products from the Black Sea port to ensure the smooth entry of grain and fertilizer from both sides into the international market. The agreement was extended three times in November 2022, March and May this year and expired on July 17.

　　The black sea grain transport agreement affects the grain imports of many countries. According to United Nations estimates, since it was signed in July 2022, the agreement has allowed more than 32 million tons of grain commodities to be exported from three ports in the Black Sea of Ukraine to 45 countries and regions. UN Secretary-General Guterres called the agreement the lifeline of global food security. When food production and supply were disturbed by geopolitical conflicts, climate change, energy prices and other factors, the agreement helped food prices drop by more than 20%.

　　This time, Russia refused to extend the agreement, which stirred up the global grain market. After the news was announced, the prices of major global grains such as corn, wheat and soybeans all rose to varying degrees. The International Monetary Fund (IMF) predicts that Russia’s withdrawal from the agreement on the export of agricultural products in the Black Sea port may increase global food prices by 10% to 15%, and the organization said that it is still continuing to assess the situation.

　　At the same time, extreme weather and other factors are increasing the uncertainty of grain production. Affected by the El Niñ o phenomenon, Southeast Asia has experienced continuous high temperature and dry weather since April this year, and major rice exporting countries such as Thailand and Vietnam have lowered their rice export forecasts for the year. Fitch, an international rating agency, believes that global rice production may hit a 20-year low in 2023.

　　Drought will not only lead to a reduction in grain production, but also provide support for a sharp increase in grain prices. Events related to bad weather have pushed up the prices of some agricultural products this year. For example, sugar and cocoa futures have risen by more than 20%. Due to the influence of feed prices, the prices of livestock such as pigs and cattle have also risen sharply, and the prices of beef products in the United States have risen by more than 30%.

　　The stranding of the Black Sea grain transportation agreement and the impact of extreme weather events are only the epitome of the current global food security dilemma. Fleischer, director of the Middle East, North Africa and Eastern Europe of the World Food Program, said that the world is facing the most serious food security crisis in modern times. The World Food Program predicts that in 2023, more than 345 million people in the world will be in crisis-level food insecurity, and 43 million of them will be one step away from famine. The agency provided food aid to more than 158 million people around the world last year, more than in any previous year.

　　The grain system needs to be transformed urgently

　　"The global food system ‘ Crashed ’ The disadvantaged groups have paid the price and must change the way of food production and consumption. " Guterres recently issued a warning.

　　The international community generally believes that the main crux of the current global food crisis lies in the unbalanced global food distribution and the huge gap between food resources in different countries and regions.

　　In the past few decades, nearly 80% of the world’s grain production has been concentrated in more than a dozen countries. This pattern of supply and demand, in which the exporting countries are relatively concentrated and the importing countries are relatively scattered, makes the international grain market vulnerable to epidemic situation, geographical conflicts and other factors, and increases the degree of food insecurity.

　　Since last year, affected by geopolitical conflicts, the turmoil in "world granaries" such as Ukraine and Russia has broken the fragile balance of the global grain supply chain; The United States has repeatedly increased sanctions against Russia by pulling its allies, which has seriously hindered the grain production and export of Russia and Ukraine and aggravated the blockage of the global grain supply chain; The world food trade giants, mainly American enterprises, manipulate international food prices and repeatedly seek huge profits by speculating on food security issues.

　　Under the continuous influence of multiple factors, the supply chain connecting global grain production and demand has been interrupted repeatedly, and the international cooperation mechanism to ensure the smooth supply chain has been blocked, which has caused the global grain price to soar all the way, and many countries that are highly dependent on grain imports can only "look forward to it".

　　Food security is not only related to food rations, but also to the development of the world economy and the stability of regional countries. According to the report of the Food and Agriculture Organization of the United Nations, rising global food prices have a greater impact on low-and middle-income countries, and the increase in the cost of imported energy and fertilizers may force some countries to reduce their input, which in turn will lead to a decline in agricultural productivity and a decrease in domestic food supply, which will further deepen the possibility of food and energy crises in these countries.

　　Faced with all kinds of severe tests, it is difficult for the existing global food system to operate reasonably and effectively, so it is imperative to promote the transformation of the food system. Recently, at the promotion meeting of the results of the United Nations food system summit, representatives from all parties called for promoting the construction of a more efficient, inclusive, resilient and sustainable food system. Qu Dongyu, Director-General of the Food and Agriculture Organization of the United Nations, said that the efforts to transform the global agricultural food system involve many sectors, such as agriculture, climate crisis, biodiversity, trade and nutrition. Countries should strengthen coordination, make governance processes and policies coherent and coordinated, combine short-term and long-term, and actively seek solutions.

　　Concerted action is imminent.

　　At present, the Black Sea grain transportation agreement is constantly in turmoil, further aggravating the global food security risks. In order to smooth the global grain supply chain and unblock the blocking points and breakpoints, it is urgent for all countries to work together.

　　It is worth noting that Russia has not completely closed the door to renew the agreement. Judging from the requirements put forward by Russia, it hopes to lift many restrictions on its banking, transportation and insurance, because this has seriously affected its trade other than grain and fertilizer. Some analysts believe that at present, it is the stage where the parties have the biggest differences since the signing of the agreement on the export of agricultural products at the Black Sea port one year ago. On the basis that there is no basic mutual trust between Russia and Ukraine or between Russia and the West, it is difficult for all parties to find a solution around their differences calmly for the time being.

　　The international community is trying hard to find opportunities to mediate, hoping that the renewal of the agreement on the export of agricultural products at the Black Sea port will usher in a turning point. When talking about this matter recently, Guterres said that the United Nations will continue to work to find a solution. Turkish President Erdogan also said that he will continue to save the agreement on the export of agricultural products in the Black Sea port and hopes to interview Russian President Vladimir Putin on the contents of the agreement.

　　Recently, China’s Foreign Ministry spokesperson Mao Ning said that China hopes that the package agreement on grain transportation in the Black Sea will continue to be implemented in a balanced, comprehensive and effective manner. China has put forward an international food security cooperation initiative, and is willing to strengthen communication and cooperation with all parties in this regard, promote the formation of more international consensus, and make positive contributions to ensuring world food security.

　　As a positive force to safeguard world food security, China put forward the "China Plan" and made the "China Action" to deal with the global food problem. In 2021, China proposed a global development initiative, which included food security in eight key areas of cooperation; In 2022, China put forward the International Food Security Cooperation Initiative, and put forward eight suggestions on establishing a cooperative partnership for commodities and safeguarding global food security, providing a "China plan" to solve the food problem.

　　Agricultural cooperation with more than 140 countries and regions; Popularize more than 1,000 agricultural technologies to developing countries, and drive the average yield of crops in the project area to increase by 30% to 60%; More than 14,000 hybrid rice professionals … … China has shared its development experience and applicable technology with developing countries, carried out international cooperation in a pragmatic way, and actively helped developing countries to enhance their food security.

　　"China’s global development initiative to include food security in key areas of cooperation is conducive to accelerating the implementation of the UN’s 2030 Agenda for Sustainable Development, and is also in line with the UN’s vision of strengthening global cooperation and revitalizing multilateralism." Alice Chabanne, Executive Secretary of the United Nations Economic and Social Commission for Asia and the Pacific, said.

　　To meet the challenge of global food security, big countries need to take responsibility, go hand in hand and solve difficult problems through cooperation. All parties should strengthen the supervision of multinational food and agriculture enterprises, build a more resilient and stable global food supply chain, and reduce the volatility and vulnerability of the global food system; Work together to provide global public goods, slow down the macro impact of geopolitical conflicts, extreme climate and economic recession on global food security, and promote the development of the global food security governance system in a more just and reasonable direction. As the report of the World Food Programme emphasizes, the key to the food crisis lies in "how do we take more decisive actions to strengthen our ability to resist future shocks". (Author: Sun Changyue Source: Economic Daily)

[car home Loudi Preferential Promotion Channel] Recently, Loudi area is launching a large-scale preferential activity, with the highest preferential amount reaching an astonishing 104,500 yuan. At present, the minimum starting price of the car has dropped to 380,600 yuan. If you are interested in buying a BMW i4, you may wish to seize this opportunity and click "Check the price of the car" in the quotation form to get a higher discount.

The exterior design of BMW i4 is very modern and sporty. The front part of the car adopts the iconic kidney-shaped air intake grille, but different from the traditional models, the grille of the i4 adopts a closed design to conform to its identity as an electric vehicle, and the surface of the grille is also decorated with blue, adding a sense of technology. The headlights are sharp in shape, and the internal LED light group not only improves the lighting effect of the vehicle, but also gives the vehicle a sharp look. On the whole, the exterior design of BMW i4 is simple without losing the sense of strength, showing the consistent high-end luxury style of BMW brand.

BMW i4 has a body size of 4785*1852*1455mm and a wheelbase of 2856mm. The side lines of the car body are smooth and elegant. With 18-inch rims, 245/45 R18 front tires and 255/45 R18 rear tires are adopted, showing a sporty appearance.

The interior design of BMW i4 shows the perfect combination of luxury and technology. The center console is equipped with a 14.9-inch large display screen, and the operation interface is intuitive and easy to use, which supports the voice recognition control of multimedia system, navigation, telephone and air conditioner, greatly improving the convenience of drivers’ operation. The steering wheel is made of leather, which provides excellent grip and handling stability, and supports manual adjustment up and down and back and forth to meet the needs of different drivers. In terms of seats, BMW i4 offers a variety of material choices, including imitation leather, genuine leather and fabric/suede mix, ensuring a comfortable ride experience. The front seats are equipped with heating function, and support a variety of adjustment methods, such as front and rear adjustment, backrest adjustment, height adjustment and lumbar support, so that drivers and passengers can find the best sitting position. In addition, this model is also equipped with the driver’s seat memory function, which is convenient for users to quickly adjust the seat position. There are also a number of USB and Type-C interfaces in the car, as well as the wireless charging function of the mobile phone, which ensures the charging requirements of mobile devices. In a word, the interior design of BMW i4 not only pays attention to luxury, but also gives consideration to practicality and comfort, providing a high-quality driving environment for drivers and passengers.

The engine of BMW i4 has a maximum power of 250kW and a maximum torque of 430N·m, showing strong power performance.

The owner of car home gave a very positive evaluation of the BMW i4. He mentioned: "Sound insulation is good, power is sufficient, and the appearance is king. I don’t think I will lose my sister Mercedes-Benz when I make the volcanic red interior." This evaluation fully demonstrates the excellent performance of BMW i4 in terms of performance, design and comfort, which undoubtedly provides consumers with confidence in choosing this car.

CCTV News:"I’ve been infected myself. You see I’m fine now and I’m still taking care of you. Have confidence and you will definitely get better! " She is a nurse in the emergency center of Zhongnan Hospital of Wuhan University. She stuck to the front line of the "epidemic" and was unfortunately infected. The day after she was discharged from hospital, she returned to the front line.

Be infected during the treatment of patients

After the outbreak of novel coronavirus, 38-year-old Guo Qin has been taking care of critically ill patients in the emergency ward, helping many novel coronavirus patients turn the corner. On January 12, when I got home from the night shift, Guo Qin felt that she had a fever. I took my temperature, 37.8℃.

"I may have been infected. On the first day, it was a little cold, and I didn’t have a high fever. On the second day, my body temperature was high, up to 39 C, and my whole body was painful, especially joint pain. I had a fever before, but I didn’t have such obvious symptoms. Repeatedly burning, burning to 39 C and returning, and then burning again after returning, so I think I should go to the hospital at this time. " At noon on January 13th, Guo Qin came to his unit, Zhongnan Hospital of Wuhan University for inspection. Guo Qin’s lung CT showed ground glass shadow in the lung. Colleagues in the hospital quickly went through the admission procedures for Guo Qin and isolated him.

While waiting for the results of nucleic acid test, Guo Qin also prepared for the worst. "I was particularly embarrassed at home. I usually spend most of my time in the department and spend less time at home. My child is only 11 years old, and there was less companionship before. If something bad happens later, there will be less companionship, and my heart will be particularly embarrassed. "

I hope to return to work as soon as possible when I am ill

On January 13th, Guo Qin was diagnosed in novel coronavirus. Because the situation was not serious, he mainly rested in the isolation area and also received some antiviral and antibacterial drugs. Guo Qin became the first infected medical staff in Central South Hospital. She was placed in bed 6 in the emergency ward, which is also her usual working position.

On the day when he was admitted to the hospital isolation ward, Guo Qin stayed awake all night. The drip of the monitoring instrument and the hurried footsteps of his partner were particularly clear in the silent night.

"My colleagues came to care for me that day. Actually, they were very embarrassed. They were very busy. I can’t walk around, I need water, and I don’t want to bother them too much. " There are 54 nurses in the emergency center where Guo Qin is located, and the mode of "three shifts" is adopted. Under normal circumstances, there are three nurses in the day shift and two nurses in the evening shift, each of whom works for about 8 hours a day.

With the increasing number of patients with fever, the emergency center has gradually extended the overtime hours, and the average daily working hours are about 10 hours. According to the duty table of the emergency center, the night shift on January 13th should have been performed by Guo Qin and his apprentice Liao Mingxing. Liao Mingxing is a post-90s boy and one of the few male nurses in the hospital. The epidemic accelerated the growth of Liao Mingxing. That night, he not only took on the task of nursing Guo Qin, but also took over the vacancy of Guo Qin.

In Zhongnan Hospital of Wuhan University, Guo Qin, a nurse in the emergency center, examined the patients. (photo by Gao Xiang)

Looking at the busy figure of colleagues, Guo Qin had only one thought at that time: "If I recover and my body is OK, I hope to get into work immediately."

"Not to be a hero, but never to be a deserter!"　

On January 27th, Guo Qin returned to the hospital for a test. According to the results of blood, nucleic acid and CT, experts concluded that Guo Qin had recovered. From the diagnosis on January 13 to the return to the hospital for examination on January 27, Guo Qin’s isolation period was 14 days. Without taking an extra day off at home, Guo Qin went back to the hospital the next day (January 28) and devoted himself to his work.

"My father didn’t want me to go. Before I left, he was a little unhappy and didn’t want to talk to me. Soon after, I saw that he praised me for being brave in the family group and called on my family to cheer for me. I know that he is proud of me. " Guo Qin was a bit sour when he mentioned this. "I am in this position, it is my responsibility, not to be a hero, but never to be a deserter!"

On January 29th, in the emergency center of Zhongnan Hospital of Wuhan University, nurse Guo Qin was observing the patient’s condition. (photo by Gao Xiang)

On the first day of returning to work, it was the police who sent Guo Qin to work. "At that time, the road was closed. A policeman saw me and learned that I was a medical staff. He drove me to the hospital. After getting off the bus, he saluted me and said to me ‘ We need you. Take care and come on ’ 。”

What makes Guo Qin feel most gratified is that a novel coronavirus patient who was treated by colleagues two weeks ago also recovered and was discharged on the same day.

In order to facilitate commuting and reduce contact with his family, Guo Qin now lives near the hospital, and the contact with his family depends on mobile video. As a close contact, Guo Qin’s family was not infected.

"When the epidemic is over, we can meet." She said, "everything makes me firmly believe that we will succeed!" " (Text/Di Chenchen)