标签： 佛山桑拿

Running a Chinese medicine clinic, the ＂door＂ is wide

Approval becomes filing, and only two steps are needed: application and certification.
Running a Chinese medicine clinic, the "door" is wide

In a Chinese medicine clinic on Zhongshan Avenue in Wuhan, there are more than 50 old Chinese medicine practitioners, most of whom are retired experts from major hospitals. The picture shows an old Chinese doctor feeling his pulse.Photo by ZhangChang

This year "Government work reportPut forward "supporting the inheritance and development of Chinese medicine". According to the provisions of the Chinese Medicine Law, the opening of Chinese medicine clinics has been changed from licensing to filing, and folk Chinese medicine practitioners can obtain certificates after examination, which is a major benefit for the Chinese medicine community. With the promulgation of supporting laws and regulations, such as the Interim Measures for the Administration of Filing in Chinese Medicine Clinics and the Interim Measures for the Administration of the Examination and Registration of Physicians with Expertise in Chinese Medicine, the development of Chinese medicine has ushered in a new spring. Starting from today, we will launch a special report on "How to implement a good policy of Chinese medicine", hoping to attract more people’s attention.

-editor

Run the permit at most once.

Simplify the procedures, reduce the links and time limit, and provide convenience for the applicant.

"I didn’t expect to get the certificate so soon!" Recently, Jiang Fuguo, Jianggan District, Hangzhou City, Zhejiang Province, obtained the first Chinese medicine clinic registration certificate issued by the District Health and Welfare Bureau.

Jiang Fuguo was originally the legal representative of a chain pharmacy in Hangzhou, with more than 20 years’ experience in drug management. He found it difficult for pharmacies to meet the needs of ordinary people, so he wanted to open a Chinese medicine clinic. However, to apply for a medical institution’s practice license, it needs to go through seven steps, such as application, publicity, establishment approval, environmental protection, fire protection, acceptance and certification. The process is complex, time-consuming and the threshold is high, which is prohibitive.

On December 1, last year, the Interim Measures for the Record Management of Chinese Medicine Clinics was formally implemented. Jiang Fuguo went to learn about the materials and procedures that need to be submitted for filing in Chinese medicine clinics. After he handed in all the materials at one time, he filled in the "Information Form for the Record of Chinese Medicine Clinic", and the environmental protection and fire protection met the requirements. The personnel had the qualification certificate of Chinese medicine doctors and worked for 3 years, and the materials were complete and met the record requirements. The window accepted it on the spot and passed the record review. On the same day, he received the record certificate of Chinese medicine clinic, and he could carry out his practice activities. Jiang Fuguo said that the Chinese medicine clinic has changed from the examination and approval system to the filing system. Now, it only needs two links: application and certification, and the certificate can be run at most once. In the past, it took three months or even six months to get a certificate.

"In the past, there were strict regulations for opening a clinic, and the venue must be fixed for a long time. If it is not the property owned by the applicant, it needs to have a lease agreement for more than 5 years. Regardless of whether or not the clinic can be opened, you must first invest in renting the venue. It takes more than half a year to review the location and venue of the clinic alone. If the approval of the clinic is delayed for one more day, the rent will be paid for one more day, and a lot of money will be spent on Shui Piao. The filing system makes Chinese medicine clinics no longer spend money. " Jia Haizhong, chairman of Beijing Cifang Hospital Management Company, said.

Chinese medicine sits in the classroom, listening and asking questions, unlike western medicine, which needs to be equipped with corresponding instruments and equipment. The Law of Traditional Chinese Medicine has reformed and improved the management system stipulated in the Regulations on the Management of Medical Institutions, which is conducive to Chinese medicine practitioners to open distinctive Chinese medicine clinics according to their own expertise and advantages, to stimulate the enthusiasm of social forces to run medical services, and to enrich and improve the medical service system.

"The change from examination and approval to filing simplifies the procedures, reduces the work links, compresses the time limit and provides convenience for applicants." Zhang Jianfeng, deputy director of Henan Provincial Administration of Traditional Chinese Medicine, said that filing management is a special legal arrangement for clinics that only provide traditional Chinese medicine diagnosis and treatment services, which is obviously different from examination and approval management.

Jia Haizhong believes that in the past, the most irritating thing about setting up a Chinese medicine clinic was not the complicated process, but that all other conditions met the requirements, but it was eventually rejected because of the high density of surrounding medical institutions. In fact, people look for people with real medical skills when they see Chinese medicine. Even if Chinese medicine clinics are one by one, it will not affect the choice of ordinary people.

Yu Haiyang, director of the Policy and Regulation Department of state administration of traditional chinese medicine, said that the original examination and approval of Chinese medicine clinics was mainly pre-examination, which examined whether it met the conditions of local regional health planning and medical institution setting planning. The Interim Measures for the Record Management of Chinese Medicine Clinics does not restrict the layout of Chinese medicine clinics and Chinese medicine clinics that only provide traditional Chinese medicine services, and cancels the specific number and location restrictions. According to incomplete statistics, as of January this year, 21 provinces across the country have registered 129 Chinese medicine clinics.

Chen Luojia, president of China Folk Chinese Medicine Research and Development Association, believes that the filing system of Chinese medicine clinics can effectively solve the problem of "seeking medical treatment nearby" for people at the grassroots level or in areas lacking medical resources, and better meet the multi-level and diversified Chinese medicine needs of the masses.

Full liberalization is a misunderstanding

The implementation of filing management in Chinese medicine clinics is not to lower the threshold for opening. For services with uncontrollable medical safety hazards and risks, Chinese medicine clinics may not carry out them.

Zhao Xiaohui, a traditional Chinese medicine practitioner in Hongqi District, Xinxiang City, Henan Province, is a clinician specializing in traditional Chinese medicine. She has been employed by a medical institution for more than 4 years, focusing on traditional Chinese medicine diagnosis and treatment. She has always had a wish to open a clinic.

After the implementation of the Interim Measures for the Administration of the Filing of Chinese Medicine Clinics, Zhao Xiaohui passed the filing examination and got her own Chinese medicine clinic filing certificate, and became the organizer of a Chinese medicine clinic. She received the first "Chinese medicine clinic registration certificate" in Henan Province.

Zhao Xiaohui didn’t know that she could get the registration certificate of Chinese medicine clinic, which originated from the adjustment of the qualification period of Chinese medicine practitioners. The former National Health Planning Commission and state administration of traditional chinese medicine have adjusted the practice period from five years to three years in the pilot projects to encourage the society to run Chinese medicine in 40 cities and Gansu Province.

The filing system relaxes the market access threshold, which is beneficial for professionals to jump out of the system and also gives a "green light" for folk Chinese medicine practice. The Interim Measures for the Administration of Registration of Qualification Examination of Physicians with Expertise in Chinese Medicine stipulates that those who have obtained the Practitioner’s Certificate of Chinese Medicine (Expertise) can engage in Chinese medicine medical activities in the form of personal practice or in medical institutions within the registered scope of practice. By then, a large number of folk Chinese medicine practitioners will be able to obtain the Qualification Certificate of Chinese Medicine (Specialty), thus having the qualification to practice medicine and run clinics.

The person in charge of state administration of traditional chinese medicine said that the implementation of filing management in Chinese medicine clinics does not mean full liberalization. According to the principle of "no entry is forbidden", all fields that are not explicitly forbidden by laws and regulations should be open to social forces. At present, the Chinese medicine clinics that have been put on record refer to clinics in pharmacy service that use Chinese medicine and non-drug therapies such as acupuncture, cupping and massage, as well as Chinese medicine dispensing, decoction and other Chinese medicines.

The person in charge pointed out that Chinese medicine clinics should not provide western medicine services, nor should they provide services with uncontrollable medical safety hazards and risks, such as minimally invasive techniques of Chinese medicine, Chinese medicine injection and acupoint injection.

"The implementation of filing system management in Chinese medicine clinics is not to lower the threshold for opening." Yu Haiyang said that state administration of traditional chinese medicine formulated the Interim Measures for the Administration of the Filing of Chinese Medicine Clinics, the Basic Standards of Chinese Medicine Clinics and the Basic Standards of Chinese Medicine (Comprehensive) Clinics, standardized the filing of Chinese medicine clinics from the institutional level, and clarified the conditions, procedures and standards needed for the filing of Chinese medicine clinics. The establishment of the filing system of Chinese medicine clinics not only has a practical basis in advance, but also has social needs. The state has improved the filing system of clinics to ensure the development of Chinese medicine, especially Chinese medicine clinics, to be more standardized and healthy.

Post-event supervision needs to be strengthened.

Filing management is a kind of management means, the essence of which is to simplify prior management and improve work efficiency, rather than to relax supervision.

According to the white paper "Traditional Chinese Medicine in China", by the end of 2015, there were 452,000 practicing (assistant) doctors in traditional Chinese medicine (including ethnic doctors and doctors of integrated traditional Chinese and western medicine). There are 42,528 outpatient departments and clinics of traditional Chinese medicine, including 550 outpatient departments and clinics of ethnic medicine and 7,706 outpatient departments and clinics of integrated traditional Chinese and western medicine.

The current basic standards of Chinese medicine clinics stipulate that the treatment rate of Chinese medicine is not less than 85%, and a considerable number of Chinese medicine clinics provide both Chinese and western medicine services. Many people ask, Chinese medicine clinics used to implement the licensing system, but now they implement the filing system. One is to provide Chinese and western medicine services, and the other is to provide pure Chinese medicine services. How can the two systems be effectively connected?

Yu Haiyang introduced that the Interim Measures for the Record Management of Chinese Medicine Clinics stipulates that Chinese medicine clinics can only provide Chinese medicine services, and two types of Chinese medicine clinics with different standards implement independent selection of classified management. First, Chinese medicine clinics that have been set up before the implementation of the Measures to provide both Chinese and Western medicine services can choose their own management methods according to their own actual conditions after the promulgation and implementation of the Measures. Only the traditional Chinese medicine services provided in these Measures can be managed according to the requirements of the Regulations on the Administration of Medical Institutions before the expiration of the practice license of medical institutions, or they can be managed according to the filing requirements. After the original practice license of medical institutions is cancelled, they can be filed according to the provisions of the Measures. Second, Chinese medicine clinics whose services do not meet the service scope stipulated in the Measures or have uncontrollable medical safety hazards and risks are still subject to examination and approval management in accordance with the requirements of the Regulations on the Administration of Medical Institutions. The Chinese medicine clinics subject to examination and approval management are renamed as Chinese medicine (comprehensive) clinics, and their settings should conform to the Basic Standards for Chinese Medicine (comprehensive) clinics issued by the former State Health Planning Commission and state administration of traditional chinese medicine.

Chinese medicine clinics have changed from examination and approval to filing, and the first problem is how to strengthen post-event supervision. According to the "Measures", the competent department of traditional Chinese medicine needs to conduct on-site examination and conduct on-site inspections on the registered Chinese medicine clinics within 30 days from the date of filing. In view of the unreasonable charges, false propaganda, unauthorized practice and out-of-scope operation of Chinese medicine clinics, it is required to stop practicing activities, withdraw the Registration Certificate of Chinese Medicine Clinics and impose fines. In addition, Chinese medicine clinics are not allowed to sell, transfer or lease registration certificates.

"From the document requirements, it is to cut off the administrative licensing link; As far as the clinic is concerned, there is no relaxation of requirements. The core issue in the future is to strengthen supervision, especially to avoid medical accidents. " Lin Ruichao, dean of the School of Chinese Medicine, Beijing University of Chinese Medicine, said.

"Filing management is a management tool, the essence of which is to simplify prior management and improve work efficiency, rather than to relax supervision." Zhang Jianfeng said that at present, the number of Chinese medicine clinics registered for practice is still relatively small, and the pressure on county-level health (Chinese medicine) administrative departments that directly manage the registration of clinics is not obvious. With the continuous increase in the number of registered Chinese medicine clinics and the increasingly frequent practice activities, it will be an important task for county-level health (Chinese medicine) administrative departments to change the supervision mode and improve the supervision ability. The contradiction between insufficient supervision personnel, insufficient supervision ability and heavy supervision tasks will also emerge, which needs to be solved by expanding the supervision team, increasing supervision power and changing supervision methods.

Shen Lin, deputy director of the Health Planning Commission of Hongqi District, Xinxiang City, introduced that the district health supervision and Chinese medicine management departments conducted on-site approval, supervision and inspection in a timely manner to ensure the standardization of clinics, ensure the health rights and interests of the people, and ensure that Chinese medicine clinics are filed quickly and well managed, with more thorough decentralization, more effective supervision and better service to create a good environment for the convenience and benefit of the people.

Chen Luojia believes that after the filing system is implemented in Chinese medicine clinics, government departments need to improve medical quality control and strengthen the three-dimensional supervision system to ensure medical quality and treatment safety. (Reporter Wang Junping)

Here comes BMW’s brand-new crossover, which is flexible and easy to drive.

The changes in body modeling are still relatively positive, and the new model looks more fashionable. The outline of car lines continues the family design concept, the front face design looks dynamic, the headlights on both sides are quite sharp, and the headlights on the front face look very energetic after lighting. The lines on the side of the banner-style waist line create a sense of readiness, which looks very sporty. In addition, with the shape of 20-inch wheels, it makes its sports atmosphere more intense. At the same time, the reasonable proportion of luggage compartment cover and enclosure also gives the rear design too much visual center of gravity, and the taillight lighting also has a certain sense of advanced.

On the whole, the interior is still in the traditional family style, and the whole design looks atmospheric. Because the steering wheel is wrapped with leather material, it is delicate in texture and touch, and it is practical with shift paddles. The T-shaped center console is made of plastic and leather, and the materials and workmanship look quite satisfactory. It is equipped with a 10.25-inch suspended central control LCD screen, which is clear in display and full of scientific sense in design. The front row is also equipped with a dual-temperature automatic air conditioning control system to freely debug the most comfortable space atmosphere. .

The length, width and height are 4737×1891×1689mm respectively, and the wheelbase is 2864 mm. In the same class, the wheelbase of BMW X3 ranks 101st. The interior space of the car is relatively spacious at the same level, the height and width of the car are ideal, and the legroom in the back row will not feel cramped, which belongs to the upper-middle level at the same level. The design of skylight also increases the subjective space feeling of front and rear passengers. In the same price and class, the trunk volume of BMW X3 ranks 158th. Spatial performance is limited by vehicle positioning, and the performance is acceptable, and the flatness is no problem, but the total space is average.

BMW X3 is equipped with a combination of 2.0 turbocharged engine (direct injection) and automatic manual (AT). 2.0 engine with BMW X3 is quite satisfactory in power performance, with weak low torque and can feel hysteresis. The official measured acceleration of BMW X3 is 6.8S, ranking 148th among SUV models with more than 800,000.

The active/passive safety configuration of BMW X3 is complete, includingAutomatic parking、Zero tire pressure endurance tire、Automatic parking、Steep slope descent、hill start assist control、knee airbag、HUD head-up display、Anti-lock braking (ABS)、Braking force distribution (EBD/CBC, etc.)、Brake assist (EBA/BAS, etc.)、Traction control (ASR/TCS, etc.)、Active noise reduction、Engine start and stop、Side safety air curtain、Wireless charging of mobile phone、night vision system、LED daytime running lights、Forward reversing radar、Tire pressure monitoring、Steering wheel heating、Body stability control (ESP/DSC, etc.)、Rear reversing radar、Fatigue reminder、Remote parking、Child seat interface、Lane keeping (LKAS)Equal configuration.

Among them,Automatic parkingYou can avoid stepping on the brakes for a long time or needing to pull frequently;Steep slope descentCan safely pass through steep slope road conditions at low speed;knee airbagReduce the injury of the car interior to the occupant’s knees in the secondary collision.

In order to get a more comprehensive and objective understanding of BMW X3, you can go to the BMW X3 forum and browse the messages of users who have bought the car in history.

Good study companion, scientific control： multi-parent C23 anti-addiction smart student mobile phone

In this highly information-based society, mobile phones are indispensable portable devices for everyone. But when children use flashlights, parents always have a lot of troubles: will they stay up late to play games, will they play mobile phones in class, and what do children play with their mobile phones every day? ….

At this time, I also tried many methods. The most effective ones are several anti-addiction student mobile phones from the brand of Xiaomi Ecological Chain. Today, I will share this multi-parent C23 anti-addiction smart student mobile phone with my parents.

Through this mobile phone, you can know the child’s location and travel trajectory, control the APP, lock the screen directly at night, set a series of scientific management functions such as Do Not Disturb time, and have rich educational resources to stimulate the passion and fun of learning.

Next, the details are gradually displayed. The package is bright green, and there is a note on it: "Time will give more rewards to those who are self-disciplined". Indeed, learning needs perseverance. Xunzi’s "Persuade Learning": You can’t take ten steps with a leap; It’s a great contribution to the success of Xu Ma. Perseverance, rotten wood does not fold; Perseverance, the stone can be carved.

For self-discipline, it is a habit that is not easy to form. This is also the trouble of parents and children. At this time, with the multi-parent C23, it has gained strong support.

Through this multi-parent mobile phone, scientifically manage the process of children using mobile phones. Combine work and rest, and disable it when necessary, so as to achieve the effect of preventing addiction.

First time I saw a mobile phone: a 6.5-inch onethin film transistor, the resolution is1600×720。The fuselage is square, with rounded corners, glass backboard+alloy frame, "Liu Haiping" that lights up the screen, full of apple wind. The 6.5-inch shape allows students to master it easily. Holding the felt stone with one hand is very comfortable.

As a learning partner, this mobile phone has rich educational resources, embedded customized learning content, covering all courses in junior high school and senior high school free of charge, exploring the secret weapon of knowledge and stimulating the passion and fun of learning.

When studying, you can complete the knowledge supplement in and out of class through learning space and library. The first thing I saw in the learning space was Shi AI, which included several functional modules, such as precision, photo translation, AI pronunciation, complete formula, Xuewang dictionary, new word book and collection.

At the same time, it is also divided into English, Chinese, mathematics, excellent courses, disciplines and other functions, among which English features are: practicing oral English, graded listening and natural spelling. Chinese special area: synchronous tutoring and Chinese character learning. Special area of mathematics: beyond the olympiad, etc.

With the blessing of these functions, we can do accurate learning in combination with the course and guide the problem points simultaneously. This also greatly reduces the pressure of parents’ homework guidance.

I still remember that in the past, when I was helping my children with their homework, I couldn’t know much about it myself. With the function of AI, tutoring can be done by mobile phone.

For example, I don’t understand English homework, so I can translate it by taking pictures at this time.

Speaking of photo translation, this mobile phone has a high-definition dual-camera structure before and after, which is simple and beautiful. In addition to photo translation, it can also hold the requirements of scanning code and taking photos.

Difficulties and key points in the discipline. We can also watch videos of famous teachers’ explanations. This is almost the teacher invited to the side, as long as necessary, more parents will let the teacher explain for us.

The function of the library allows us to read in combination with our hobbies on the way to knowledge.

For the course of reading, a report will be generated, and you can see the length of each day, preferences and so on. Parents can also see some clues by reading the report. For example, the children didn’t go out on the weekend (13th) and spent a long time reading.

On the one hand, it shows that many parents have rich and attractive book contents. At the same time, we can also understand our preferences, and perhaps teach students in accordance with their aptitude.

From the performance point of view, this is a good Android phone with rich functions.

If there is a built-in voice assistant for Xiao Ai’s classmates and supports background voice wake-up, we know that Xiao Ai’s classmates are a good practical function. By supporting remote control, many devices can interact.

For daily applications, such as boarding code and scanning code payment, social software such as WeChat can be used normally; As for Tik Tok and other short video apps, games and other software, parents can control and ban them at any time through "pro-guardian" binding.

We can download the apps we need in the application market, in order to put an end to some addictive apps. The brand has carefully selected educational software as a good helper for children’s learning.

In addition to studying, entertainment is also necessary. When the Android APP is used, the installation request will be received in the mobile phone connected to the parents.

In addition, it can also control the installed APP scientifically.

Control is divided into free use, time limit, permanent limit and authorization management.

Set the forbidden time period and daily use time limit, so that children can find a balance between study and entertainment.

For WeChat, it can also be flexibly controlled, such as applet, circle of friends, video number, live broadcast and so on. This ensures that WeChat can be used normally without indulging in entertainment.

It is worth noting that the stone has a built-in 4-fold high-precision gear, which allows us to know the child’s daily cardiac trajectory and where to go.

Location trajectory and real-time positioning make safe travel within our sight.

The control of APP and browser will affect the acquisition of external information. There are also many pro-newsletters, which can quickly understand the news information at home and abroad.

Avoid playing mobile phones at night, and we can also do lock management. You can only call at this time.

The flashlight has a rear camera with 5 million pixels and a front camera with 2 million pixels. The photo effect is also passable.

On the whole, it is still relatively clear, and the color restoration is also natural. With a battery capacity of 4000mAh, it brings excellent battery life. Let children record beautiful things when they are traveling.

After a period of experience, it can be said that the overall performance of the multi-parent C23 is still very good.

The powerful anti-addiction system has achieved the effect of cultivating children’s self-control ability, and at the same time, it has also given parents an intuitive understanding of their children’s movements.

Moreover, the performance of C23 is enough for children to use, and C23 has a good experience in both learning and entertainment, to prevent addiction to smart students’ mobile phones that are not suitable for configuration and fluency.

As a parent, it is a good choice to use multi-parent C23 for their children. Of course, the backup machine is also competent.

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　　　　　　Autonavi Maps recently released v10.65 new version, online iOS version of AR driving navigation. According to the official introduction, Autonavi AR navigation has supported iPhone 8 Plus and above Apple models and some high-end Android phones. After updating Autonavi Maps to the latest version, users only need a mobile phone and a horizontal screen holder to experience AR real navigation.

　　　　　　The 2020 Autonavi Travel Festival has officially kicked off. In order to meet the 11th travel peak and facilitate user travel, Autonavi Map recently released a new version of v10.65, which launched iPhone version of AR driving navigation and supports iPhone 8 Plus and above models. With some Android phones that have been supported before, Autonavi AR navigation can now cover more users, providing more intuitive and accurate real-life navigation services for holiday travel.

　　　　　　According to reports, Autonavi Maps is also planning to integrate mobile phones, driving recorders, car central control platforms, Apple CarPlay, and even HUD head-up displays to better coordinate real-time shooting, AR screen display, and computing platforms, hoping to achieve a better real-life navigation experience for users.

　　　　　　Overall, Autonavi AR navigation combines real-life road images, 3D direction guidance, and traditional map navigation to provide users with detailed driving guidance that is what they see is what they get, preventing users from missing key intersections.

　　　　　　The above is all the content that I have brought to you. Have you learned it yet?

The Ministry of Housing and Urban-Rural Development stated that local real estate can be regulated independently, and the property market ushered in an important turning point？

More policies to support the stable and healthy development of the real estate market are being released.

On January 26th, the Ministry of Housing and Urban-Rural Development held the deployment meeting of the coordination mechanism of urban real estate financing, demanding that the coordination mechanism of urban real estate financing be accelerated and effective, supporting the development and construction of real estate projects, meeting the reasonable financing needs of real estate enterprises with different ownership equally, and promoting the stable and healthy development of the real estate market.

The above deployment will mention that it is necessary to adhere to the policy of the city, precise policy, one city and one policy, make good use of the policy toolbox, and fully give the city real estate control autonomy. Each city can adjust its real estate policy according to local conditions. This is also a rare and clear return of regulatory power to cities by the regulatory authorities.

What are the considerations behind giving local governments greater regulatory autonomy?

Li Yujia, chief researcher of the Housing Policy Research Center of Guangdong Provincial Urban Planning Institute, said, "Equality of rights and responsibilities gives urban real estate control autonomy, with the aim of giving local governments the rights, responsibilities and obligations to stabilize the market and industries, implementing local main responsibilities, and strengthening policy support and monitoring and assessment by the state."

An insider of a well-run South China housing enterprise believes that all localities should also wait and see. And in its view, the main problem now is the lack of confidence and expectation, not the immediate effect after policy regulation.

Whether the strict supervision of the project subject can be moderately loosened in various places is also the focus of many parties. "Although there are bail-out funds in various places, after the accident, we encountered more restrictions from local areas than support. At present, the project funds are guaranteed to be delivered and the funds cannot be collected. " An insider of a South China real estate company told Blue Whale Finance.

Since mid-2021, real estate regulation and control has continued to be strict, covering land, finance, real estate market order and many other aspects. By July 2023, Politburo meeting of the Chinese Communist Party proposed to adapt to the new situation that the relationship between supply and demand in China’s real estate market has undergone major changes.

Since then, the central and local governments have successively introduced real estate control policies. According to the monitoring of the Central Finger Research Institute, in 2023, 200 Yu Sheng cities (counties) have issued real estate control policies for over 670 times, and most cities have completely liberalized their restrictive policies.

It is reported that the responsible comrades of the housing and urban-rural construction departments (commissions) of various provinces (autonomous regions and municipalities) and the responsible comrades in charge of the people’s governments of 35 key cities attended today’s meeting. Clearly giving full autonomy to urban real estate regulation and control, what impact it will have on the market, whether it can boost the property market, and whether it will enter a new round of policy easing period is worthy of attention.

In addition to clearly regulating "freedom", the above deployment meeting also mentioned the financing problem that is more critical to the current housing enterprises.

That is, "to establish a coordination mechanism for urban real estate financing, the people’s governments of cities at or above the prefecture level should effectively play a leading role in coordination, quickly establish and operate this important mechanism, timely judge the local real estate market situation and real estate financing needs, strengthen overall planning, refine policy measures, build a communication platform between government, banks and enterprises, promote the accurate docking of real estate enterprises and financial institutions, and coordinate and solve the difficulties and problems existing in real estate financing."

However, unlike the notice jointly issued by the General Office of the People’s Bank of China and the General Office of the General Administration of Financial Supervision on January 24, "Operating loans can be used not only for projects, but also for repaying corporate bonds and loans", the financing support mentioned in the above deployment will focus more on projects.

In view of the current financing problems of some real estate projects, the meeting made it clear that all localities should focus on projects, study and put forward a list of real estate projects that can be given financing support, coordinate the issuance of loans by financial institutions within their respective administrative regions, and accurately and effectively support reasonable financing needs. Before the end of this month, loans can be obtained after the first batch of projects are listed.

After the deployment meeting, a person from an East China insurance company said that he would be more concerned about how to implement it in the future.

Li Yujia said that credit is a credit behavior and is based on trust. "The purpose of establishing a coordination mechanism this time is to establish a docking platform for both parties to fully communicate. Whether the loan is based on the bank’s risk control and credit approval process is market-oriented, legal, and voluntary, and cannot be forced."

Since the end of 2022, relevant departments have successively issued "Three Arrows" and "Sixteen Financial Articles" for enterprise financing, and put forward "equal treatment" and "three no less than". However, according to feedback from many real estate enterprises, the implementation effect of these policies is generally.

Li Yujia believes that the main reason for the general implementation effect is that banks are worried about risks and have low trust in housing enterprises. Therefore, the degree of attention began to shift to the coordination mechanism, that is, the coordination mechanism pushed the qualified loan projects, and the financial institutions cashed in the qualified projects for financing.

Whether the financing situation of housing enterprises has changed after the deployment meeting of the financing coordination mechanism is worthy of attention.

Reporting/feedback

Create characteristic products, insurance companies make efforts in the field of green finance of science and technology

Original title: Play the role of economic shock absorber and social stabilizer (cited topic)
Create characteristic products, insurance companies make efforts in the field of green finance of science and technology (theme)
Reporter Li Ben
In recent years, in order to give full play to the functions of economic shock absorber and social stabilizer of the insurance industry, many insurance companies have actively innovated in the fields of technology and finance, pension finance and green finance, and continuously promoted the development of the industry by creating their own characteristic products.
Serving scientific and technological innovation to help enterprises grow.
In recent years, insurance companies have made full use of the functions of financing, continuously deepened the multi-level, professional and characteristic financial service system, and made greater contributions to strategic emerging industries and technological innovation.
Zhang Baohui, the main person in charge of the strategy department of China PICC Group, said that PICC China actively followed up the risk management and protection needs of modern industrial entities, served the relevant national industrial policies effectively, and helped the high-quality development of the real economy. In the first 11 months of 2023, it provided insurance services to more than 900,000 enterprises, and the amount of risk protection exceeded 900 trillion yuan.
It is understood that China PICC provides risk protection for the transformation of traditional industries and helps to optimize and upgrade the industrial structure. The underwriting projects include domestic large aircraft C919; By focusing on the pain points and difficulties of the industry, we innovatively launched comprehensive insurance service plans for industrial parks such as chemical industry, biomedicine and new energy industry. In the first November of 2023, we provided 22.7 trillion yuan of risk protection for 132,000 enterprises in the park. In addition, the Group has also developed "Kechuangbao" combination products to provide risk protection for scientific research and development and transformation.
We should not only participate in risk protection, but also pay attention to project investment. By the end of the third quarter of 2023, the stock investment scale of China life insurance funds to support scientific and technological self-reliance exceeded 300 billion yuan, and a number of special projects were launched, such as the "China Life Insurance-Electronic Mixed Reform No.1 Equity Investment Plan" initiated by its asset company, which successfully completed fundraising and issuance.
Reinsurance, as insurance, is an important mechanism of social risk dispersion, and China Re Group also plays an important role in supporting scientific and technological innovation. Wang Zhongyu, deputy general manager of China Re Property Insurance, a subsidiary of China Re Group, introduced that China Re Property Insurance cooperated with the client company to sign the first "special contract for comprehensive insurance for specialized and special small and medium-sized enterprises" in China to innovate and promote the construction of small and medium-sized enterprises related to insurance services and the national modern industrial system. In addition, China Re-Property Insurance also supports the construction of domestic satellites and other projects all the year round, providing reinsurance risk protection of 100 billion yuan.
According to the data released by China Xinbao, in technology and finance, the company has increased its support for large-scale single machine and complete sets of equipment export projects with high technology and high added value, as well as strategic emerging industries and other key areas. Data show that from January to November 2023, China Xinbao supported seven industrial chains, including electronic information, household appliances, vehicle construction machinery, biomedicine, new energy, textiles and clothing and modern agriculture, with a total export value of 332.86 billion US dollars. "In the future, China Xinbao will further increase its support for new-generation information technology, new energy, high-end equipment and other strategic emerging industrial projects, help Chinese enterprises to fight key core technologies and help high-level scientific and technological innovation and industrial upgrading." Yang Minggang, general manager of China Credit Insurance Business Management Department, said.
Enriching old-age products to help "provide for the aged" and "enjoy the old"
In terms of the development of pension industry, in order to meet the challenge of aging, insurance companies have continuously increased their exploration and practice in pension, medical care, health and other related fields in recent years, giving full play to the long-term financial advantages of insurance and actively participating in the development of health industry and pension industry.
Zhao Guodong, vice president and secretary of the board of directors of China Life Insurance Company, said that for a long time, China Life has closely focused on the needs of the elderly in pension funds, personal safety, health management, disability care, and pension services, enriched the supply of pension financial products and services, and helped "the old people have a sense of security, which is difficult to help, the sick have medical care, and they have a sense of happiness", and strived to do a good job in this big article "Pension Finance". As the first investment manager of the basic old-age insurance fund, China Life Insurance’s pension insurance company provides investment management services for the basic old-age insurance fund of more than 40 billion yuan based on the principle of safety and stability, and its specific portfolio size and performance rank among the top in the market, making the people’s "pension money" become "safe money". It is understood that China Life Pension Insurance Company independently developed and launched a personal pension planning service system, and took the lead in launching commercial pension products in the industry. By the end of 2023, the stock scale was 7.9 billion yuan and the number of effective accounts was 340,000.
Zhongzai Group said that the Group closely followed the special needs of the elderly to innovate products, developed a variety of insurance products such as universal insurance for hypertension, serious illness of the elderly, and loss of disability income, and carried out the business model of "insurance+diagnosis and treatment+rehabilitation services" to achieve long-term care. Effective connection between risk protection and aged care services. At the same time, by hiring an external consulting company to study the international experience of long-term insurance, it provides strategic support for further promoting similar products in China.
As an enterprise with its management headquarters in Guangdong-Hong Kong-Macao Greater Bay Area, China Taiping has established "basing itself on Hong Kong and Macao and deeply cultivating Greater Bay Area" as the core direction of future development. It is understood that China Taiping preferred international medical resources to launch the "Taiping cross-border medical service platform" to create a cost-effective, long-term multi-dimensional cross-border nursing service system; The first continuous care and old-age community project "Kapok Family" in Greater Bay Area was launched in Guangzhou to further meet the diversified and multi-layered old-age service needs of Greater Bay Area customers.
It is worth noting that in recent years, insurance companies have continued to accelerate the old-age service system such as the old-age community and actively explore the sustainable development model of inclusive old-age care. It is generally believed in the industry that establishing a one-stop health ecosystem of "health management+medical service+insurance" by opening up industrial chains such as insurance, physical examination, rehabilitation, pension, medicines and hospitals can effectively improve customer stickiness and empower the growth of insurance business.
It is understood that China Life is accelerating the layout of community projects for the aged in Tianjin, Suzhou, Qingdao and other cities, and at the same time actively docking and investing in medical and health enterprises, and better meeting the people’s needs for healthy old-age care by integrating service resources such as health management and medical and pharmaceutical hospitals; People’s Insurance Company of China has also set up pension institutions in Jiangsu, Zhejiang and other places, with a total number of beds exceeding 10,000, and established a "warm-hearted and happy" pension service system.
Promoting Green Supply and Promoting Industry Development
With the increasing supply of green insurance, product types and coverage, the green insurance business of insurance companies has also developed rapidly in recent years around the goal of "double carbon". Earlier, the Central Financial Work Conference proposed that more financial resources should be used to promote scientific and technological innovation, advanced manufacturing, green development and small and medium-sized enterprises.
According to the data released by China Life Insurance, the financing needs in low-carbon, recycling and ecological fields are mainly supported through green credit, green bonds and green funds. By the end of the third quarter of 2023, the green investment stock of China life insurance funds exceeded 460 billion yuan. In terms of product categories, five ecosystem carbon sink products, including marine carbon sink index insurance, agricultural carbon sink insurance and forest carbon sink insurance, were innovatively launched, which achieved effective coverage of ecosystem carbon sink protection. In the first three quarters of 2023, China Life Insurance Company provided over 3.85 trillion yuan of risk protection for green industry enterprises and environmental responsibility risk protection for over 2,500 enterprises.
It is understood that PICC China has also innovated and promoted the supply of green insurance products, helping the green upgrade of modern industries. "We actively explore new energy industry insurance, implement new energy and smart auto insurance reform leading projects, and set up an expert team for key new energy automobile brands." Zhang Baohui said that in the first November of 2023, PICC China completed the development of 30 "double carbon" products such as enterprise sustainable development insurance, and the amount of insurance protection provided by corporate "double carbon" insurance products was 471.5 billion yuan, with a premium growth rate of 10.4%.
In the field of new energy, China Xinbao also has its own practice. According to reports, in 2023, China Xinbao optimized its green business underwriting policy and introduced new energy support measures, with a cumulative underwriting amount of nearly $39 billion in new energy and other fields. "In the future, China Xinbao will also increase its support for the construction of the green Belt and Road, and actively guide foreign trade, project contracting and foreign investment to achieve a green and low-carbon transformation." Yang Minggang said.
Source: Economic Information Daily
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