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　　On December 1, the Office of the Leading Group for Special Remediation of Internet Financial Risks of the Central Bank and the Office of the Leading Group for Special Remediation of P2P Online Loan Risks of the China Banking Regulatory Commission jointly issued the Notice on Standardizing and Rectifying the Cash Loan Business. "Cash loan" is a kind of business in the current consumer finance market, and its outstanding characteristics are "no scene to rely on, no designated purpose, no customer group limit and no mortgage". Some insiders believe that the release of the "Notice" means that the supervision "boots" of "cash loans" have landed.

　　However, in the current consumer finance market, there are still many microfinance businesses with "scenes to rely on and designated purposes", such as the beauty staging business "beauty loan" jointly launched by beauty institutions and loan platforms, and its problems and risks cannot be underestimated.

　　□ Our reporter Du Xiao

　　□ Intern Zhang Xichen of this newspaper

　　In recent years, internet finance has developed rapidly, and various forms of loans have emerged one after another, among which "beauty loan" is one.

　　The reporter learned in the interview that some beauty hospitals cooperate with third parties to provide personal credit loans. When consumers consult in beauty institutions, if they are short of money, the consultant will recommend credit loans as a payment method. "Beauty Loan" is mainly aimed at students who love beauty but lack money. However, due to the cooperative relationship between beauty institutions and internet financial platforms, and the random process of loan issuance, there are hidden financial risks.

　　Online lending platform is resident in beauty institutions to do business.

　　Recently, the reporter of Legal Daily walked into a plastic surgery hospital in Haidian District, Beijing as a consultant.

　　After learning that the reporter didn’t make an appointment, the receptionist asked for the name and consulting project. After the reporter indicated that he wanted to consult about eye plastic surgery, the staff led the reporter into a room near the front desk to fill out the form. After waiting for about two minutes, the reporter was taken to the consulting room on the third floor.

　　A doctor received the reporter. The reporter said that he wanted to make a double eyelid and eliminate the wrinkles on his head. The doctor diagnosed the reporter’s situation and explained to the reporter why some people’s eyes don’t look big and the reasons for the formation of head lines. In the meantime, the doctor repeatedly took out his mobile phone to show reporters similar surgical cases.

　　After that, the doctor began to make plans for reporters.

　　"The first step is to cut a double eyelid and correct the upper eyelid muscle weakness at the same time. After a week of recovery, I will almost do the second step, playing botulinum toxin and hyaluronic acid, filling my forehead and diluting fine lines. " The doctor said that in the first step, general doctors need about 15,000 yuan for surgery and 20,000 yuan for expert surgery. Botulinum toxin and hyaluronic acid hit South Korea, which is almost 10,000 yuan.

　　The reporter said that the price was a bit expensive and asked if there was any discount. The doctor said that she can get a 25% discount if she is engaged in activities now. She also has a better preferential activity, which is to give 20,000 yuan for 30,000 yuan. The reporter said that he could not get 30,000 yuan at one time.

　　"If you have no money, you can get a loan. We can do it in installments here." The doctor said, "We have cooperation with Internet finance companies and don’t charge any fees and interest. You see, your 30,000 yuan will be repaid in 12 months, only 2,500 yuan per month. "

　　When the reporter asked what procedures were needed for the loan, the doctor said, "It’s very simple. Just take an ID card, a real-name mobile phone number and a bank card, preferably from a big bank. You take a photo with your ID card at our hospital brand, and a special person will operate it for you. "

　　The doctor also said that after the loan is successful, surgery can be performed.

　　The reporter further asked about the whereabouts of the loan, and the doctor said that the money would go directly to the hospital account.

　　"As long as there is no problem with credit, you can generally apply for it. No more, you can change to another one. " The doctor said.

　　The reporter further learned that this beauty hospital has cooperation with three Internet loan platforms.

　　Seeing the reporter was still hesitant. The doctor took out his mobile phone, opened WeChat and showed the reporter one of the groups: "The people in this group are all in stages, and they will repay every month. These are all paid by the merchants without any interest."

　　The doctor also introduced the staff of an Internet financial platform to the reporter. The reporter saw that the Internet financial platform has special staff in the hospital. If someone wants to borrow money, they will make a loan operation.

　　"This activity will be gone in a few days. I suggest you pay the 500 yuan deposit first." The doctor said.

　　Subsequently, the reporter left the plastic surgery hospital for an excuse.

　　"Beauty loan" intermediary is mixed.

　　Everyone has a love of beauty. The industry predicts that the medical beauty market will exceed $850 billion by 2018. Such a large market scale has made some loan apps flock in.

　　The reporter downloaded an App to experience it.

　　Open the interface of this App and display "Please scan the QR code provided by the therapist". In addition, there is no other interface. Click Back to return to the login interface. This seems to be an App specially designed for beauty loans.

　　Subsequently, the reporter searched for "beauty loan" on the Internet, and the content obtained was even more dazzling.

　　The reporter entered a forum called "Beauty Loan", which contained many posts similar to "Beauty Loan for Big boss", "Beauty Loan, 3-minute Lending", "Beauty Loan, Getting Money, Recruiting Reliable Intermediary" and so on.

　　The reporter added the WeChat of a poster in the post bar in the name of an intermediary.

　　The poster serves an internet financial platform. He posts in different forums and recruits intermediaries.

　　After the reporter added the other party’s WeChat to show his intention, the poster immediately sent his mobile phone number and asked for telephone contact.

　　The reporter dialed the phone number of the poster, indicating that he wanted to be a "beauty loan" intermediary and had some good customers.

　　The other party said, "The mobile phone has been in real-name registration system for more than half a year, and the Alipay sesame score is above 580, and the pure white household is above 550. Don’t worry about anything else, just give me someone here. "

　　The poster also said that he only needs to send the customer information to him. After the transaction is successful, the cashback point is 60. In addition, loans can also be made to "black households" who have serious dishonesty, "ignoring all kinds of black and white".

　　The reporter noticed that similar "beauty loan" recruitment intermediary information can be seen everywhere on the Internet. The reporter joined a QQ group with the theme of "beauty loan" cooperation through search. In the group, the group owner sends the latest loan information every day.

　　The reporter learned in the group that only women can apply for "beauty loans" and must speak Mandarin, aged between 18 and 35. The applicant’s Alipay score is above 580, and he has a real-name registration system mobile phone card that has been used for more than 3 months. Bring your smart phone and ID card and the bank card of any bank of ICBC, Agricultural Bank of China and China Construction Bank to Changsha for processing. They provide round-trip fares and accommodation. The group owner said that they can operate on 13 platforms at the same time, and the pass rate is very high.

　　In addition, all kinds of intermediaries are also "activists" in the "beauty loan" market. The reporter found that the "beauty loan" intermediary can get a commission of 65% of the loan amount. These intermediaries cooperate with beauty agencies to get what they need.

　　Cartography/Li Xiaojun　　

Xiaobu learned from the Municipal Housing and Construction Bureau that according to the previously issued Notice on the Selection of Moonlight Economic Agglomeration Areas and Demonstration Sites in Wenzhou City, the city started the selection work in March this year.

After independent declaration by enterprises, review by local departments, expert review and publicity by municipal departments, Longwan wanda plaza, Park Road Historical and Cultural Block, Zhonggeng Wandering World, Impression Nantang Style Pedestrian Street and Dongtou Leek ‘ao Beach Park were finally selected as the Moonlight Economic Cluster and Demonstration Sites in Wenzhou City.

Longwan wanda plaza

Since 2020, Longwan wanda plaza has started to promote the development of moonlight economy projects. After three years of planning, night economic development has begun to take shape, including trunk market, fashion leisure square, parent-child play, late-night food, music festival and so on. Later, modules such as music corridor, national tide street and tide shopping will be developed one after another.

Up to now, wanda plaza has held fireworks fairs with different themes for four years in a row, such as Wanshi Daji, Different YOUNG Market and Antique Market, and invited Wenzhou local bands to hold more than 200 night economic activities such as camping music festivals in the outer square, with an average daily passenger flow of over 50,000 and a holiday passenger flow of over 100,000.

In the next step, Longwan wanda plaza will focus on the introduction of night consumption IP development and the opening of market projects, continue to carry out night cultural theme activities, and strive to promote the pilot construction of moonlight economy industry in wanda plaza.

Gongyuan road historical and cultural block

Park Road historical and cultural block takes culture as the breakthrough point, and on the basis of retaining the traditional Wenzhou living format of Park Road, it adds non-genetic inheritance, cultural experience, street life, traditional food, homestay inn, leisure and entertainment, supporting business and fashionable catering to complement the original format, and strives to make the block a benchmark for urban core cultural and business travel.

In recent years, fun cultural activities, such as blocking the street, Hanfu, national tide flash parade, folk taste experience activities, immersive clothing street show, Zanhua market, spring market, "summer fun nightlife" market, antique market, sports night and so on, have been constantly presented, and many good plays with strong regional characteristics, such as Yue opera, Wenzhou drum performance, Ou Yue landscape poetry recitation, have been staged on the ancient stage in turn.

The street block closely combines Wenzhou’s Song Yunou style with the aesthetics of fireworks life, and new formats are constantly emerging, which endows the night market with popularity through the traffic attributes of the street block and drives the new growth of night consumption.

Zhong Geng you man Tian di

Zhong Geng Roaming World is located in the core of ouhai district CBD. By creating characteristic night scenes, combining with rich and wonderful performances and constantly changing the stalls and forms of categories, the new "play" of moonlight economy is realized.

As the largest wai-wai square in Wenzhou’s main city, relying on the square public space of over 20,000 square meters, Zhonggeng Roaming World has built three central squares, namely Lohas Square, Chaotong Square and Creation Square, which span and connect six office corridors. Combined with business planning and scene creation, it has gathered the characteristic food, entertainment, fashion, literary play and creation market, forming a "flagship" of fashionable and personalized social interaction.

In the next step, the block will cooperate with the cultural tourism department to create a "literary spark to beautify" project, which will be presented with the theme of Four Seasons Music Box. As a commercial supporting project of the Dragon Boat Base, the venue of the Dragon Boat Race in the Asian Games, dragon boat elements are added to the original night market activities, which helps the Asian Games and adds a unique cultural innovation vitality to the block night market.

Impression nantang style pedestrian street

In recent years, Impression Nantang Scenic Area has become the "golden business card" of Wenzhou night tourism, creating a business pattern of night scene+night shopping+night entertainment+night leisure, with distinctive economic characteristics at night, which has formed agglomeration effect and brand effect.

"Tanghe Night Painting" is an important part of the "Moonlight Economy" in Nantang Scenic Area. It highlights the local cultural heritage of Wenzhou in the form of light and shadow technology and real-life interpretation, and shows the urban temperament of "poetry and painting landscapes, a warm state". The "Nantang Night Shop" in the block is another feature of the pedestrian street. Apart from the fashionable, literary and retro street, there are also online celebrity cuisine and various local snacks to satisfy the taste buds of tourists.

Since the block was fully opened, the average annual passenger flow has reached 5 million, and the annual rent and self-operated income can reach more than 50 million yuan. In the next step, with the advantage of Wenzhou cultural industry, the block will improve supporting industries such as creative planning, venue management and exhibition design, and create a special festival cultural exhibition block.

Dongtou Jiucaiao Beach Park

In recent years, Wenzhou Dongtoumuxinhe Cultural Tourism Development Co., Ltd. has broken through the original beach entertainment mode and introduced 10 new marine sports products, such as rainbow parasailing, sailing, sea motorboat and trapeze performance, which has made its popularity "prosperous".

Chive ‘ao Beach focuses on creating a special seafood snack block, Dongtou intangible cultural heritage workshop, music night market, local folk performing arts, sea garden fireworks festival, sea drone light show, bonfire party, fishing port night tour, island star watching, camping and other projects, realizing the full connection of "day viewing+night consumption" and enriching the collection of "night tour, night rest, night banquet, night appreciation, night tour.

In order to solve the dilemma of inconvenient transportation on the island and enrich the highlights of coastal leisure and holiday tourism, the recently built Leek Ao Blue Bay Resort Center opened in July to welcome guests, which perfectly matched the night economy of Leek Ao Beach and injected new vitality into the scenic spot. In the next step, we will continue to explore the local culture of Dongtou and the island characteristics of moonlight economy, so that the traffic will become "reserved" and continue to light up the moonlight economy.

Original title: "Play and eat! Wenzhou people’s nightlife is wonderful! 》

Read the original text

Topic: picture channel

　　

　

Left: Many people were embarrassed when practicing songs in the karaoke room, but now they are graceful and scrambling. Right: Young migrant workers have a soft spot for computers.

　　　　

Left: At 7 o’clock in the evening, migrant workers after work poured into the evening school in high spirits. Right: Night schools regularly invite relevant experts to teach safety, hygiene and health knowledge, which is close to the reality of migrant workers, and the workers are enthusiastic.

　　

　　　Watch chess without saying anything ―― Be civilized in the chess room.

　　Last night (9th), Zhang Yongyuan, who worked in the construction site of Hongshan Jiayuan near the East Second Ring Road in Beijing, had dinner, changed his tooling, washed up and rushed to the night school with his workmates. At 7 o’clock sharp, the evening school will show movies on time; At the same time, the computer room, karaoke room and book reading room are also open. Zhang Yongyuan from Anhui and several fellow villagers have a good place to go after work.　

　　In April this year, with the start of Hongshan Home Project, the evening school for migrant workers was established and officially opened in June. Hongshan Jiayuan is the only affordable directional resettlement housing project on the second ring road, which is mainly used to resettle the relocated residents in Qianmen historical and cultural protection area, with a total construction area of more than 1.44 million square meters. It is a key project at two levels in the urban area. At present, more than 3000 migrant workers from Anhui, Henan, Jiangsu and other places are fighting on the construction site. In order to make the peasant brothers in Beijing master the knowledge and skills of safe construction as soon as possible and enrich their spare time, Chongwen District Urban Construction and Development Company has established the largest night school for migrant workers in Beijing.

　　The night school for migrant workers has three electronic classrooms, which can accommodate nearly 900 people to attend classes and watch movies at the same time. There are 3,000 books and nearly 6,000 magazines in 18 reading rooms. 12 computers in 2 computer rooms for migrant workers to surf the Internet and play games; Seven karaoke rooms are equipped with advanced karaoke sound; Ten chess rooms are available for dozens of people to play chess at the same time. In addition, basketball courts, volleyball courts and badminton courts have been built around the night school. In the near future, the night school is also planning to build a medical station for migrant workers with nearly 300 square meters and 14 consulting rooms and wards. Every night, the four staff members of the evening school perform their respective duties, welcome migrant workers into the school for study and entertainment on time, and serve them enthusiastically. According to their own interests and hobbies, migrant workers play chess, read books, surf the Internet and sing songs at night schools. In the past six months, due to the constant changes in jobs, migrant workers have gone wave after wave, but they all regard evening classes as their "home" in Beijing.

　　It is reported that with the start of the Hongshan Home Project next spring, the construction team here will be expanded to 20,000 people, and the night school for migrant workers will be "bursting". Vivian Chow, vice president of the evening school, said: "We will further strengthen the organization and management, and work out a study and entertainment plan that is more in line with the needs and interests of peasant brothers, so that everyone can increase their knowledge and enjoy happiness in the evening school." Reporter Hu Tiexiang’s photo report

Editor: Zhu Zhen

　

In order to cultivate and practice the socialist core values, the Propaganda Department of Guizhou Provincial Party Committee, the Network Information Office of Guizhou Provincial Party Committee and Guizhou Provincial Radio and Television Bureau jointly hosted the first collection and exhibition of the theme micro-film (micro-video) of socialist core values in Guizhou Province. After the initial evaluation, re-evaluation and final evaluation, the list of winning works and organizational awards will be publicized.

　

Publicity time: December 19th to December 25th, 2023.

　

Tel: 0851-85377537,

　

0851-85893109 (fax)

　

Email: shzyhxjzg2023@126.com

　

If you have any objection during the publicity period, please reflect it in writing and provide relevant supporting materials. Reflect the situation must be objective and true, materials that reflect the situation in the name of the unit need to be stamped with the official seal of the unit, and materials that reflect the situation in the name of individuals should be real names and provide effective contact information.

　

Attachment: List of Award-winning Works and Organization Awards of the First Socialist Core Values Theme Microfilm (Microfilm) in Guizhou Province

　

First prize (2 movies in total, 1 micro-movie and 1 micro-video)

　

　

Second prize (4 movies, 2 micro movies and 2 micro videos)

　

　

Third prize (6 movies, 3 micro movies and 3 micro videos)

　

　

Excellence Award (8 movies, 4 micro movies and 4 micro videos)

　

　

Outstanding Organization Awards (8)

　

　

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Source: Dynamic Guizhou

　

Editor: Liu LuEditor: Zhou Ning Editor: Xu Fei