editorial comment/note

For a long time, health insurance, represented by critical illness insurance, is one of the most important types of personal insurance market, one of the most important ways for agents to survive and insurance companies to save embedded value. At the same time, it is also one of the most recognized and accepted types in the market. Therefore, health insurance has also become the fastest growing insurance in the past 10 years, with a compound annual growth rate as high as 33%.

However, in 2021, especially after the old definition of critical illness insurance completely withdrew from the market, health insurance unexpectedly hit a rock. Although the growth rate of medical insurance represented by Huimin Insurance is still rapid, the critical illness insurance that contributed the most premiums quickly fell into a downturn and has continued to this day. According to industry exchange data, the growth rate of new single premiums of critical illness insurance has been below -30% since 2021.

People in the whole industry are thinking hard: whether from the insurance depth, density and other indicators, or from the expectations of social supervision for commercial health insurance, this market is far from saturated, but why can’t it be sold?

Mckinsey’s latest report, The Challenge and Breakage of Commercial Health Insurance in China (hereinafter referred to as "Report"), gives its own detailed answer to the problem of breaking the health insurance that the industry is most concerned about.

Mckinsey said in the Report that the commercial health insurance supported by policies has a broad growth space. The root cause of the current dilemma lies in the structural mismatch between the supply and demand sides, which makes it impossible to effectively stimulate market demand. At the same time, the core capacity building of insurance companies is still insufficient, which is also one of the important reasons for the dilemma.

Based on the above analysis, combined with the observation of typical systems and institutions in developed insurance markets in developing commercial health insurance, McKinsey finally pointed out three major directions for domestic insurance companies to break commercial health insurance:

Integration of medical insurance and raising value

Technology empowers and increases efficiency.

Multi-party cooperation to expand coverage

The following are the details extracted from the Report:

The present situation and predicament of commercial health insurance have different appearances and causes in different customer groups. At present, there are two main types of customers who buy commercial health insurance in the market: one is the customer who seeks the protection of medical expenses, and the other is the customer who pursues high-quality medical services. For the former, the most important function of commercial insurance is to hedge the risk of medical expenses and reduce the pressure of medical expenses; The latter is more inclined to obtain a better medical environment, better medical services and faster medical procedures by purchasing commercial insurance.

There are three main reasons for the insufficient development of health insurance for customers seeking medical expenditure protection:

1. From the demand side, the market demand of commercial health insurance in China has not been fully tapped. The overall cost of medical expenses is low, and the probability of catastrophic medical expenses is small, which leads to insufficient willingness and motivation of residents to purchase commercial insurance. At the same time, limited by market education, most residents lack due understanding of the coverage of basic medical insurance and the additional protection functions of commercial insurance.

2. From the perspective of supply and demand matching, the current market product supply cannot effectively stimulate potential demand. At present, there are many mismatches in mainstream health insurance products, such as "health care for healthy people does not guarantee non-standard", "medical insurance does not guarantee medical insurance outside" and "short-term insurance does not guarantee long-term", so it is often difficult for people who need the most protection to participate in insurance effectively.

3. From the supply side, in order to avoid the risk of compensation, the lack of core competence of insurance companies leads to their subjective screening of insurable people. Due to the short operation time of commercial health insurance, insufficient data accumulation and the insufficient development of medical service providers in China, insurance companies generally lack the core capabilities of deep integration with the medical service system, refined risk management and accurate capture of customer needs, which makes it difficult for them to develop products that stimulate market demand from the source.

For the customers who are pursuing high-quality medical services, although more and more residents are willing to pay for the upgrade of medical services, the number of such needs is still limited, which fails to effectively expand the scale of commercial medical insurance. The share of high-end medical services in the whole medical service market in China is less than 1%. The reason is that, from the perspective of ability to pay, high-income high-end medical consumers account for a low proportion of China’s total population; From the perspective of willingness to pay, the supply of high-end medical services in China is insufficient, and public hospitals are still the first choice for most residents to seek medical services.

In addition, some characteristics of China’s medical system have also brought challenges to the development of commercial insurance. For example, the insured population of basic medical insurance and the commercial insurance guarantee population overlap a lot, and the boundary of guarantee treatment is not clear; Medical service providers are mainly scattered public hospitals, and commercial insurance companies have limited influence on them; The foundation of medical and health data is relatively weak, and there is no integrated structured data platform.

In view of the above analysis, the Report finally gives insurance companies three solutions to promote the break of commercial health insurance:

Path one

Extending from the core diagnosis and treatment in an all-round way, exploring a new model of medical insurance integration

In the current medical ecology of China, commercial health insurance mainly plays a simple role as a payer, and most of the medical compensation resources are concentrated in the treatment link, which has not yet achieved the full health journey coverage of prevention in advance and management afterwards. At the same time, medical insurance settlement is often passive, and the participation in the formulation and implementation of medical service plans is low. In order to get rid of the dilemma of limited value creation and insufficient ecological impact, commercial health insurance companies should actively extend from today’s point layout horizontally along the patient’s health journey and vertically along the medical service network to create a "product+service" that runs through the whole medical life cycle.

Extend horizontally along the patient’s health journey to meet the needs of health services throughout the life cycle.

Health management services can create two types of value for insurance companies.

First, medical value: through professional, preventive and active intervention of sub-health and chronic patients, the risk of potential diseases can be effectively reduced, the disease progress can be delayed, and the compensation cost can be reasonably controlled;

Second, the value of service: by providing professional and service-oriented medical butler experience, we can meet and coordinate the health-related needs of customers (such as diet and drug use consultation), increase user contacts, and help customers get additional insurance. On this basis, health insurance companies can also interact with users regularly, screen and accumulate valuable health data of users throughout their life cycle, and create a starting point for subsequent product innovation and operational improvement.

Of course, from a global perspective, due to the differences in their own positioning, the core demands for value creation are naturally different.

The commercial insurance system in the United States is very mature, and the pressure of medical cost is mainly borne by insurance companies. Therefore, reducing the compensation cost is the most important appeal of insurance companies.

Considering that commercial insurance in the United States is mostly group insurance, it is difficult to achieve large-scale customer acquisition only by service value. As the most important payer, commercial insurance bears the main pressure of medical cost, so it becomes its fundamental appeal to help reduce the medical value of compensation. At the same time, the health insurance system with group insurance as the main body in the United States is difficult to get customers only by service value, but health management service, as a starting point to incite user stickiness and medication compliance, is conducive to the realization of medical value.

Throughout the American market, the emergence of chronic diseases and health management service companies such as Livongo and Omada has benefited many insurance companies. Their professional solutions can effectively improve the health status of patients and help insurance companies and employers save medical costs.

In Britain, Germany and Singapore, social security is the main body, and commercial insurance mainly plays a supplementary role. As the fundamental guarantee and main payer of residents’ medical needs, social security leads to the establishment of basic chronic disease management systems at the national level, relying on the public medical system (such as NHS chronic disease management plan in Britain and CDMP plan in Singapore).

In recent years, many countries with social security as the main body have launched innovative digital management schemes (such as Liva European government cooperation project), emphasizing the improvement of national health and reducing the overall medical expenditure. On the premise that the high-quality public system has fully guaranteed the medical value, commercial insurance, as an additional supplement, can focus on exploring the service value and take high-end management services as value-added items. For example, in order to meet the demands of different levels of customers for service value, Vitality has built a health management ecosystem, which permeates the daily life of members in all directions.

Professional health management services in China are in the initial stage, and the creation of medical value is not clear. All market players are trying to find a health and chronic disease management model suitable for China’s national conditions. Basic medical insurance in some areas is opening up chronic disease management funds, actively introducing professional chronic disease management solutions provided by commercial companies, systematically managing regional population health, and striving to improve people’s health status, save government medical insurance funds, and generate revenue from commercial companies’ services (such as provincial chronic disease management projects carried out by micro-medicine in Tianjin and Shandong).

Similarly, commercial insurance is also actively introducing medical ecological partners such as pharmaceutical machinery enterprises, sharing the cost of health management services based on the common goal of improving patients’ medication compliance, and improving the sustainability of model exploration. For example, Amway, a professional health service company, cooperated with JD.COM Allianz, Sanofi and other pharmaceutical companies to jointly launch "Zhen Ai Unlimited" diabetes insurance.

In view of the fact that China’s health insurance mainly focuses on C-end customers and the homogenization of insurance product design is serious, more and more insurance companies begin to explore differentiated value-added means from the perspective of health management, and strive to improve the ability of insurance companies to acquire customers and users. However, commercial insurance companies need to prioritize, pay attention to service value in the short term, and create differentiated competitive advantages. In the long term, they should actively explore medical value, reduce medical costs, expand the coverage of sick people, and achieve revenue growth.

Specifically, insurance companies can extend forward and backward along the life cycle and diagnosis and treatment links of the insured, and build an end-to-end health management service system, including four aspects:

First, health management covers the whole cycle from health education, monitoring and evaluation to health intervention and tracking, such as diet, exercise and sleep management, so as to reduce the possibility and risk of illness;

Second, sub-health management, aiming at sub-health groups such as urban white-collar workers, comprehensively manages physiology and psychology, such as psychological counseling and TCM conditioning;

Third, the diagnosis and treatment of diseases, to create an all-round, multi-level and high-quality medical service system for the health needs of different customers in different scenarios;

Fourth, chronic disease management, including regular detection, continuous monitoring, evaluation and comprehensive intervention management of chronic diseases and risk factors, to speed up the recovery of diseases or reduce the risk of disease progression or recurrence.

In order to meet the health care and professional medical needs of users, insurance companies should focus on the core competence building in five areas:

1. Professional doctor team: As an important medical resource, professional doctors are responsible for users’ daily health status, regular diagnosis of common diseases, and meeting key medical needs such as treatment. Through online platforms and other tools, a highly accessible team of doctors can provide convenient medical services such as long-distance regular follow-up visits, interpretation of data indicators, and guidance on the dynamic adjustment of patients’ prescriptions.

2. Full-time service personnel: A service team with professional medical background is the core element connecting all aspects of health management services (such as diagnosis and treatment to after-the-fact management), as well as front-end users and relevant parties in the back-end medical ecology, and reflects service value and medical value with timeliness and professionalism.

3. Regular inspection and testing: through various inspection contacts such as home intelligent hardware, professional inspection institutions, and in-hospital medical testing, an all-round and real-time updated medical and health database around individual patients is constructed, forming a data base for disease treatment and health management scheme treatment of medical service personnel.

4. Drugs for chronic diseases: Professional drug list and customized drug scheme audit can improve the treatment effect and control the treatment cost. Convenient prescription renewal and distribution process can improve the service experience and compliance of patients.

5. User-inspired operation: service detail design based on user’s needs and experience, business process of organic integration between online and offline and functional modules, multi-touch, attractive and penetrating into all aspects of life, and convenient and easy-to-use digital tools are all important underlying foundations for realizing health management services.

On the basis of having five core competencies, insurance companies also need to build Unicom’s data application system, and record medical and service behaviors through a set of electronic files throughout the user’s life cycle and the whole diagnosis and treatment cycle; As well as effective organizational mechanisms and processes, to build the underlying guarantee and capacity foundation for the cooperation of all ecological stakeholders.

In addition to self-construction, the external medical ecology also provides rich choices for insurance companies seeking different breadth and depth of cooperation: professional chronic disease management service companies focusing on specific disease areas and opening up all aspects of health management in one stop; By grasping the core medical resources (specialists in various fields), the Internet hospital platform is specialized in consulting and treating key medical services; Vertical service providers who focus on specific links (such as drug distribution, inspection and testing, specific health management services, etc.).

For health insurance companies, the feasibility and necessity of acquiring the five core competencies are different, and the optimal development and cooperation model should be selected in full combination with their own characteristics (such as internal asset layout and strategic positioning of health undertakings).

Extend vertically along the medical service network and build a multi-level and deeply integrated institutional network.

In order to better undertake and meet the medical needs of users, health insurance companies should get rid of the positioning of passively participating in the post-settlement link of medical services as payers, focus on pre-influencing, and actively participate in the provision and decision-making link of medical services. Through more in-depth cooperation with the medical service network, the diagnosis and treatment behavior of the service network can be effectively standardized, so as to achieve the multiple purposes of ensuring the quality of medical services, improving the effect of medical treatment and controlling medical costs.

Of course, when designing and building an institutional network, insurance companies should also consider the differentiated needs of patients in the whole health journey (such as incurable diseases, daily check-ups, health management, etc.) to achieve a multi-level and deeply integrated layout:

1. Flagship hospital: a national and regional key hospital with high influence, representing the top clinical level in China. Flagship hospitals can meet patients’ critical medical needs, but resources are scarce and irreplaceable in a few medical scenarios (such as the diagnosis of intractable diseases).

2. Key hospitals: public hospitals ranked in the top places and private hospitals with relatively large business scale. Key hospitals undertake most of the daily medical needs and are the key components of the medical network.

3. Small and medium-sized medical institutions (including clinics, health management centers, etc.): they mainly undertake simple and routine basic medical care and provide daily health management services, which is an indispensable part of completing the process medical needs.

Looking back on the development of the world’s leading health insurance companies, it is an inevitable trend to cooperate and link with the medical network more and more closely. From the close degree of cooperation, the medical network management of insurance enterprises is divided into four modes from light to heavy:

1. Non-specific network

This model is common in China market at this stage. Insurance companies have no designated or preferred service organizations, and there is only a payment relationship between insurance and medical network. This model requires low professional ability and cost input, and it is difficult to build product differentiation competitiveness and profitability.

2. Sign up for cooperation

In this mode, insurance companies will sign a specific external service network, discuss the service scope and price, and begin to provide differentiated customized services to insurance members. This model represents the development trend of commercial health insurance all over the world and belongs to the basic concept of PPO optimal medical network in the United States. Aetna, mentioned above, has built one of the largest medical networks in the United States through a mutually beneficial and win-win payment model and the ability to export patient data and service standards.

3. Internal and external integration

This model belongs to the upgraded version of the former, mainly based on the external cooperation network to establish internal institutions to supplement the types and links of services. Insurance companies can further deepen differentiated services and form a unique competitive advantage with the help of strong control over their own institutions. For example, based on the external network, United Healthcare supplements its own medical network focusing on primary, specialized and emergency care. Together with the external network, these core advantages form a closed loop of health management. The internal and external networks are connected by the care coordination center to realize the integration of online and offline medical services and internal and external medical services, and to create a one-stop health solution.

4. Self-built operation

The medical network in this mode is directly established or managed by insurance companies, and there is a strong binding relationship between payment and service. The whole insurance medical service ecology is closed. However, this model requires excellent network operation qualification, operation ability and sufficient resources, which is the biggest challenge for insurance companies. In addition, considering that the medical service market in China is still dominated by the public system, it is difficult for insurance companies to build their own medical service network, and the applicability of this model is not high.

As mentioned above, China’s medical system is dominated by public institutions, and it is difficult for insurance companies to build their own medical networks. However, China Health Insurance Company is actively exploring the transformation to contract cooperation, internal and external cooperation network and other modes, striving to create value for core medical institutions, complement internal medical capabilities in a misplaced manner, and deepen the differences of insurance products.

In the short term, we will focus on building an external hospital network with wide coverage, high quality and in-depth cooperation. Starting from key hospitals at all levels, we will jointly explore the value creation points through efficient cooperation and negotiation (such as value-oriented payment mode and high-end customer diversion); Export standardized hospital management capabilities (such as lean operation, academic research, digital system) to attract cooperation between large public and private hospitals. In terms of medical resource supply and service quality, we should work together to create a differentiated competitive advantage of insurance products.

In the long run, we should internalize the medical service ability and improve the service system. Through operation trusteeship, we deeply participate in the daily management of some private and small and medium-sized hospitals, and deeply implant insurance service scenarios while improving hospital operation performance; Insurance companies can also choose to invest heavily in assets, invest or build their own customized medical services for insurance products. In addition to deep integration with insurance products, internal institutions also need to strengthen cooperation with external hospitals to form an organic supplement and close linkage, and build a complete diagnosis and treatment service network.

Path 2

Taking risk management as the center, constructing a refined insurance operation system

The lack of risk protection ability is an urgent challenge for commercial health insurance in China. The most intuitive embodiment is the "one size fits all" model of mainstream products in the market, which excludes all sick and non-standard people from the scope of protection.

For insurance companies, strengthening risk management capacity building, effectively improving the scientificity and accuracy of insurance product design, and building an end-to-end refined operation system are the keys to building future core competitiveness. Breakers are expected to take the lead in cutting into the huge market of people with diseases, significantly expand the scope of insurable people and increase operating income under the premise of accurately controlling risks.

At the same time, customized products and services based on the risk insights of segmented people will further enhance the premium and profitability of insurance products.

Cooperate in mining high-quality medical data to lay a solid foundation for risk management.

The lack of medical data is the fundamental reason for the lack of risk protection ability of insurance companies. On the one hand, building a refined population risk stratification model requires high-quality medical data; On the other hand, the current empirical data of insurance companies are insufficient, and the existing data have not formed a structured system, which has failed to achieve deep mining.

In order to cultivate risk management and control capabilities, insurance companies urgently need to build a refined crowd risk stratification model based on big data. Model training data should meet five basic requirements:

(1) The sample has a certain scale and effectively covers the target population;

(2) The selection of samples is random and representative, which can effectively reflect the risk characteristics of the people to be insured;

(3) The sample data need to cover both the risk causes (such as mild diseases) and the risk results (such as the diagnosis of serious diseases) in order to establish an effective causal prediction relationship;

(4) The sample data should be continuous and complete to ensure that the relevant risk causes can be effectively captured;

(5) In addition to the qualitative diagnosis results, the sample data should also include specific medical expenses to quantify the risks.

Compared with the high-quality data required by the crowd risk stratification model, there are many defects in the insurance company’s own data. First of all, due to the short start-up time of health insurance in China, the few claims of young healthy people and the low market penetration rate of compensation products, the effective medical data accumulation has not reached a scale. Secondly, insurance companies only know the diagnosis results of claims, and lack specific data on related risk factors or treatment costs. Moreover, health insurance in China is mainly short-term products, and the continuity of medical data is poor. Once users change products or stop buying, it will cause medical data fault. Finally, the claim data can only reflect the current risk profile of the insured customers, and it is difficult to form meaningful guidance and prediction for future medical risks.

Based on the above objective challenges and the limitations of internal capabilities, it is difficult for insurance companies to quickly establish core risk control capabilities with their own data in the short term. Major health insurance companies have explored legal, compliant, large-scale and systematic medical data acquisition modes, including data cooperation with the government and obtaining medical data through the hospital system.

1. Cooperate with the government on data.

Different types of insurance companies can rely on their own endowment to explore innovative cooperation models with the government in order to obtain medical data with commercial value. Leading enterprises with scale advantages can actively participate in the construction of national medical security system by handling basic medical insurance and undertaking Huimin insurance. Start-ups can lock in certain sub-sectors (such as rare diseases), rely on their own professional data capabilities, cooperate with the government, and explore innovative applications of medical data through small-scale pilots.

2. Get medical data through hospital channels.

Commercial insurance companies are actively mining medical data from hospitals. With the help of claims, some insurance companies have opened the electronic case system of cooperative hospitals, allowing access to customers’ complete in-hospital diagnosis and treatment data; There are also some insurance companies that are cooperating with medical information service providers to obtain desensitized medical data or insights. It is worth mentioning that the head insurance company is trying to accumulate patient data through the self-built hospital system. Although the data acquisition at this stage has not yet formed a scale, with the accumulation of time, it is expected to form a large-scale and high-value patient medical database.

Empowering the innovation of insurance full value chain with refined risk management and control ability

Referring to the development of developed countries in Europe and America and the successful experience of some domestic advanced pilot projects, we find that the quantitative risk stratification model established by using multi-dimensional (including basic population information, medical data and insurance claims data) and large-scale (representative city level) medical risk factor data has a wide application prospect, covering health insurance product design, insurance underwriting, medical services, claims management and other aspects of the industrial chain. We will combine domestic and international leading practices to introduce the highlights of application cases of key value chain links of health insurance for industry reference.

Domestic case: Establish a risk stratification model to improve the performance and efficiency of insurance underwriting.

Taking the underwriting link of the insurance core as an example, in the traditional insurance business process, the pursuit of comprehensive information as much as possible easily leads to pain points such as complicated process, poor experience of policyholders, inefficient information collection and poor quality. The underwriting decision-making is too standardized and lacks customization, which can not accurately reflect the health risks of individual policyholders. At the same time, insurance companies need to invest a lot of offline underwriting resources by relying on the risk exemption form that the insured voluntarily informs or falsely informs the risk.

Through the risk analysis of big data population, we can identify the predictive factors (such as lifestyle preferences) that are highly related to the occurrence and payment of diseases, and establish an accurate underwriting model for health insurance. Based on the individual information of the insured (such as age, past medical records, etc.), the health risk score is automatically generated and compared with the regional average score to form a refined quantitative risk assessment. Based on the underwriting score, the crowd is finely stratified to form a "black and white list". For example, step-by-step pricing is adopted for high-risk groups, and manual review is conducted; For low-risk people, a rapid underwriting process is adopted to improve efficiency.

We use the risk prediction model to measure the simulated insured population, which not only simplifies the underwriting process of 50% population, but also adjusts the underwriting decision through the identified high-risk population, thus reducing the potential compensation by 10%~15%. The risk prediction model has achieved important business value, and it is a classic use case to upgrade the insurance claims service experience and reduce the medical cost.

International case: establish a risk-driven health management scheme with data as the core to improve medical effects and reduce costs.

Take an insurance company in the United States that focuses on Medicare products as an example. Because Medicare customers are mainly elderly people, users’ medical service costs are high, especially for chronic diseases and their complications, which often account for a large proportion of medical claims. In order to alleviate the pressure of medical claims, the company relies on the advantages of core data to collect all-round user health medical data through MA insurance data, doctor network and self-built team health services. At the same time, relying on Google’s advanced algorithm platform, an insight analysis database of complex patient health data is established. Based on this, the company developed and implemented a patient-active intervention health risk management and control solution.

Accurate intervention behavior has achieved remarkable results. The insurance company has successfully improved the management effect of chronic diseases, reduced the hospitalization rate of elderly patients by 30% while reducing costs and expenses, and greatly improved the disease control rate of patients with diabetes and hypertension.

Path three

Remodeling the whole process of product design and sales around customer needs and experiences.

With the rise of "personal consumption consciousness" in the global health industry, consumers have begun to play an increasingly important role in the decision-making of health payment. Whether it can more accurately meet the needs of different segments of people (such as the elderly, the sick, the high-income people, etc.) and different levels (such as basic medical care, service experience, etc.) has become the key to solve the serious homogenization of health insurance products in China today.

The product design, marketing promotion and experience shaping with customer demand as the core indicate that the health insurance industry in China has undergone a comprehensive transformation from the barbaric growth stage of "sales is king" to the era of "demand-oriented" value operation.

Grasping customer demand and recreating product form

The homogenization problem of health insurance products in China is serious, and the insurance clauses are highly similar to those of insurable people. Standardized basic products are difficult to meet the different medical needs of different segments of people in different scenarios, and it is even more difficult to achieve differentiated value creation, which leads to the fact that today’s health insurance sales basically rely on channel capabilities and price competition is fierce. In the future, it will be the key for health insurance companies to create differentiated advantages, enhance product value and market penetration by building product innovation capabilities driven by user needs.

In the process of product innovation, customer insight, product system and continuous iteration are the three core elements of demand-driven product innovation.

First of all, digging deep into customer needs is a key first step. With the help of systematic research tools, insurance companies can divide the customer groups into groups of people, scenes and life stages, and deeply understand the needs of users for medical care, health and services;

Secondly, insurance companies need to draw a comprehensive functional map of innovative products, sort out the existing product positioning in the internal system, and comprehensively collect the best practices of industry product functions and use cases;

Finally, the organizational level needs to establish innovative process mechanisms and underlying capabilities to support rapid product iteration and achieve accurate matching between customer needs and product functions.

(A) customer insights

Demand insights from multiple channels and all directions are the foundation of refined product design. Externally, design a scientific questionnaire, and under the guidance of mature system methodology, gain a deep insight into the unmet needs of health insurance customers. Internally, cultivate the concept and consciousness of customer-centered sales system, and carry out active and systematic collection of user demand information to consolidate the data foundation. Combined with external industry research and internal sales insights, the characteristics of target customer groups are generated, and unmet medical needs are identified, which provides important guidance for product innovation.

(2) Product system

Identify the potential development direction of products based on internal combing and external benchmarking product system. Internally, define the strategic positioning of products and core businesses, set subdivision dimensions in key categories such as revenue creation, market capture and customer service, and identify unmet opportunities through quantitative evaluation. Externally, pay close attention to major competitors and market-leading enterprises, understand their layout in major innovation directions such as coverage, coverage, coverage period and disease types, and build a rich industry intelligence database. On the basis of fully understanding the demand side, systematically build a supply-side "arsenal".

(3) Continuous iteration

Fast iterative optimization based on real customer feedback to maximize product innovation value. Traditional insurance companies urgently need agile transformation, introduce multi-functional collaborative teams (such as development, sales and actuarial personnel), and set up special posts for customers’ needs to ensure that customer feedback falls into product development; In addition, we should abandon the traditional assembly line product development process and form a "sprint" work cycle with small steps and quick runs, flexibly adjust the direction of product development, improve efficiency and avoid waste of resources.

Excavate high potential customers and realize precise marketing.

Similar to other insurance products, China Health Insurance relies heavily on offline agent team to promote sales with indiscriminate recommendation, which often leads to opaque product information, untimely communication and poor customer experience. If we can achieve accurate marketing based on users’ needs and preferences, we can effectively solve the pain points, and effectively improve the efficiency and success rate of customer sales transformation through thousands of customized promotion programs.

Precision marketing has important business value for old customer operation and new customer mining. On the one hand, by identifying high-risk customers and high-value customers and taking precise intervention, we can effectively prevent the loss of old customers and tap the potential of new customers; On the other hand, screening high-potential customers with willingness and possibility to purchase health insurance among existing insurance customers (such as life insurance and property insurance) to improve the success rate of cross-selling; In addition, innovative distribution channels (such as Internet channels) should be developed, and marketing schemes that meet the target customers of the channels should be formulated, so as to expand the scale of new customers.

Establishing a multi-dimensional user database, including demographics and marketing feedback, is the basis for achieving precision marketing. On this basis, insurance companies can further overlay claims information covering patient treatment plans and related medical costs. Different from general operating data, claims data has a large information content and a high degree of professionalism, which requires insurance companies to have both digital marketing and professional medical capabilities. Accordingly, the core insight of the database can guide the business development more intuitively and bring higher business growth value.

Precision marketing can be divided into three steps: high-potential customer identification, customized scheme design and effective implementation and promotion.

(1) Identification of high-potential customers

The essence of precision marketing is to identify high-potential customers and their preferred marketing contents and methods. As mentioned above, the establishment of multidimensional database is helpful to identify key potential customers and predict risk factors, so as to find out key target customers with high potential. The optimized algorithm will recommend the most suitable health products according to the background and needs of consumers, and then iterate the best marketing content through AB testing and other methods. Finally, use online and offline marketing channel tools (such as WeChat, telephone, offline visits, physical advertisements, etc.) to clarify the most effective way to interact with target customers.

(2) Customized scheme design

After fully understanding the preferences of target customers for marketing content and methods, insurance companies can start to formulate all-round marketing interaction programs. From scattered "individual combat" to systematic "marketing promotion combination boxing", we can create synergy between channels, avoid resource waste and improve marketing efficiency.

(3) Effective promotion and implementation

The effective implementation of customized marketing plan can not be separated from dynamic management. Based on dynamically generated quantitative effect feedback, insurance companies can optimize the scheme in real time and adjust the established scheme. The insight of marketing data can provide key input for many business scenarios, such as internal sales staff management, marketing expense planning, product design innovation and so on.

Driven by digitalization, recreating end-to-end user experience

Previously, due to the mismatch between users and payers of health care, the industry did not focus on user experience. In view of the increasing importance of consumers in medical decision-making, more and more enterprises are taking user experience into important strategic consideration and increasing resource input. User experience optimization is not only a customer-oriented service upgrade, but also brings commercial value to insurance companies, such as reducing customer churn, improving new customer acquisition, and increasing service bargaining.

In this link, insurance companies need to focus on three major areas:

(A) Understanding user needs is the basis and foothold of reshaping user experience.

Insurance companies should use scientific methods and tools to deeply understand users’ experience feedback on product rights, process tools and manual services. At the same time, for key links, we will dig deep into the feedback of segmentation process and finely polish user satisfaction. Then, with the update of product form, the feedback of user experience is collected in real time to further optimize product iteration.

(B) emphasizing the "user experience" of organizational transformation and upgrading

First of all, we should emphasize the importance of user experience from the company strategy, build cross-departmental value recognition, and take it as an important direction to guide business development. At the same time, we will increase the input of relevant resources to enhance the user experience, and promote the transformation of products, services, experiences and business models aimed at it. Finally, the internal core competence is established to support the transformation, such as employee concept transformation and ability training, strengthening technical, data and analysis support, establishing cross-functional governance and agile operation mode, and deploying measurement and performance management systems.

(C) Make full use of digital empowerment to achieve a leap-forward upgrade of user experience.

Using modern scientific and technological tools such as Internet platform, mobile App and AI computing, we will focus on solving the inherent pain points such as complex and inefficient traditional insurance sales and service processes, and create an efficient, convenient and easy-to-use modern insurance experience.

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

　　Beijing, July 10 (Reporter Jiang Yong) According to World Finance, the economic voice of the Central Radio and Television General Station, the central bank released the Financial Statistics Report for the First Half of 2021 on July 9. In June, the growth rate of broad money (M2), credit and social financing was strong, which was better than market expectations on the whole. The data shows that China’s economy continues to recover well.

　　In terms of money supply, at the end of June, the balance of broad money (M2) was 231.78 trillion yuan, up 8.6% year-on-year, and the growth rate was 0.3 percentage points higher than that at the end of May.

　　In terms of credit, RMB loans increased by 12.76 trillion yuan in the first half of the year, an increase of 667.7 billion yuan over the same period last year. At the end of June, the balance of RMB loans was 185.5 trillion yuan, a year-on-year increase of 12.3%, and the growth rate was 0.1 percentage point higher than that at the end of May.

　　In terms of social financing scale, the stock of social financing scale at the end of June was 301.56 trillion yuan, up 11% year-on-year. In June, the scale of social financing increased by 3.67 trillion yuan, 200.8 billion yuan more than the same period of last year.

　　For the main financial data in the first half of the year, Wen Bin, chief researcher of Minsheng Bank, explained: "Overall, the growth of money, credit and social financing in June exceeded market expectations, reflecting the increased financial support for the real economy. In June, the growth rate of M2 rebounded by 0.3 percentage points to 8.6%, and the enhancement of credit derivative ability was the main reason for the rebound of M2. In June, RMB loans increased by 2.12 trillion yuan, which was not only higher than the new scale in May, but also higher than the same period of last year, which improved the currency’s derivative ability. "

　　People’s Bank of China (Source: CFP)

　　In terms of sectors, household loans increased by 4.58 trillion yuan, of which short-term loans increased by 1.15 trillion yuan and medium-and long-term loans increased by 3.43 trillion yuan; Loans from enterprises and institutions increased by 8.37 trillion yuan, of which short-term loans increased by 1.23 trillion yuan and medium-and long-term loans increased by 6.62 trillion yuan.

　　According to industry insiders, from the structural point of view, corporate loans have increased more, and both short-term and medium-and long-term credit of enterprises have improved. On the one hand, it shows that corporate credit demand is strong, on the other hand, it shows that banks have increased their support for the real economy.

　　Xia Dan, a senior researcher at the Financial Research Center of Bank of Communications, said: "In June, the tight credit situation generally eased, which was due to the fact that the transaction volume of the property market did not shrink significantly. We observed that the transaction volume of commercial housing in 30 large and medium-sized cities in June increased compared with that in May, and the demand for medium and long-term loans of enterprises was still not weak, which made the new medium and long-term loans of residents and enterprises both firm. "

　　On Friday, the central bank announced that it would cut the deposit reserve ratio of financial institutions by 0.5 percentage points on July 15th, releasing about 1 trillion yuan of long-term funds. This move will effectively increase the long-term stable sources of funds for financial institutions to support the real economy, and guide financial institutions to actively use the funds for RRR reduction to increase support for small and micro enterprises.

　　Wen Bin analyzed: "This RRR cut has provided banks with a long-term stable source of funds, which is conducive to the steady growth of the real economy and cost reduction. It is expected that in the second half of the year, finance will form greater support for the real economy, and the growth rate of M2 and social finance may improve, which basically matches the nominal economic growth level. "

Speaking of Tesla, everyone’s views on this brand are mixed. Some people think that Tesla is the representative and benchmark of modern new energy vehicles. Some people think that it is actually too boastful. Xiao Ao thinks that we should take an objective look and seriously talk about some shortcomings of this car.

1. The suspension is hard.

First of all, Tesla’s interior workmanship is relatively rough. Although Tesla pursues minimalism and cancels physical buttons in configuration to expand the user’s ride space, the overall interior gives people the impression that it is very simple and simple, and the suspension is hard. As a family scooter, rigid suspension leads to poor driving comfort. After passing a pit, the whole car was shaking. When the road is bad, I have been "crazy" for a day, and my back hurts.

2. Multiple abnormal noises

Due to process problems, Tesla is prone to abnormal noise, and there are many feedback from car owners on the Internet. Of course, this is a probability problem, which is also related to the subsequent increase in soft clothes in the car. Some netizens reported that the A-pillar occasionally makes abnormal noises. After installing the mobile phone holder, the whole panel will squeak together.

3. Poor seat comfort

Tesla’s seat is polarized in online comments. Some people think they are well supported, while others feel uncomfortable. But it is undeniable that Tesla’s position is difficult. Besides, the suspension itself is very hard, very hard. After a long journey, my whole body is very sour. The rear seats are not only hard, but also narrow, which may make the elderly feel uncomfortable.

You need to worry about choosing tires.

Although it looks cool to change the hub, it is easy to scratch because of the protruding surface of the hub. The original tire is thick, and the optional tire is thin and very fragile. After passing through some convex shock absorption bands, the tire burst directly. Here, I suggest you choose the original wheel hub instead of wasting money.

5, mobile phones and car phones often lose contact.

Tesla’s car key is a mobile phone. Although there is a card physical key, the owner basically takes the mobile phone out of the door for convenience. When the mobile phone is close to the vehicle, the vehicle will automatically unlock, and you can directly slide the door to get on the bus. Does that sound convenient?

But the actual operation is: when you pull the door beautifully, why can’t you open it? You can only take out the mobile app to unlock it. When you are unlucky, the unlock button of the mobile app can’t save you. It always means that you can’t recognize the Bluetooth key of your mobile phone. When you are in a hurry, you really delay things.

How’s it going? What do you think of Tesla in front of the screen? If you want to really experience it, you can also go to the concave-convex car rental APP. There are many models on it, and friends who want to buy a car can also rent it first. In addition, if you have any other opinions about Tesla, you are welcome to leave a message in the comment area and discuss it with you ~

"There are thousands of trees in the east wind night, and the stars are like rain."

This word by Xin Qiji,

It depicts the grand occasion of the Lantern Festival.

Like the spring breeze blowing away thousands of trees and silver flowers, it falls like the rain of stars all over the sky. Thousands of iron flowers break through the dark night sky and bloom freely, which is a romance and enthusiasm unique to Chinese civilization and a Chinese romance that has been passed down for thousands of years.

The Historical Origin of Tie Hua

Tie Tie Hua originated in the Northern Song Dynasty and flourished in the Ming and Qing Dynasties. It has a history of more than a thousand years. During the Ming Dynasty, the ironmaking industry developed rapidly. In order to celebrate the bumper harvest and pray for peace, blacksmiths used the molten iron produced in the ironmaking process to create a brilliant spark effect, forming the initial activities of striking iron flowers.

Strike while the iron is hot was originally a sacrificial activity for craftsmen.

Whenever there is a major celebration, people will make a special trip to invite iron flower craftsmen to perform iron flowers, which will be circulated for thousands of years and form a magnificent and unique performance style. Most of them are spread among the people in North China. The local people use the homonym of "flower" and "hair" to mean "the more flowers are played, the more they fight", hoping that business will flourish, auspicious and safe.

Tie Tie Hua is a large-scale traditional folk fireworks. Before the performance, a six-meter-high double-layer flower shed should be set up in an open place. The shed is densely covered with fresh willow branches, covered with fireworks and firecrackers, and loaded with goods. A pole with a height of more than ten feet is erected in the middle of the top of the flower shed, which is called "old pole", and firecrackers and large fireworks are also tied to the top of the old pole, which is called "setting color".

When the iron flower is struck, the flower-beater wears a gourd ladle with a protective function, is naked, holds the upper stick with iron juice in one hand and the lower stick without iron juice in the other, and quickly runs to the flower shed and slams the upper stick with the lower stick.

More than a dozen flower-beaters went from one stick to another, from one person to another, between the melting pot and the flower shed. One iron flower rose into the sky, and another came one after another. The sticks were connected in an endless stream, and thousands of stars were scattered in the sky, bearing the inheritance and romance of thousands of years of culture. The molten iron at 1600℃ created a visual feast, a spectacle of thrilling and wonderful coexistence.

The Spiritual Inheritance of Tie Hua

Behind the folk art that has been handed down for thousands of years,

There are hidden risks that are not known to everyone.

The hot metal needed for iron stamping needs to be heated to more than 1600 degrees.

Therefore, performers need to be extra cautious in grasping the strength and angle of hitting, so as to ensure that the molten iron splashes high enough and disperses, thus generate produces dazzling iron flowers. If the strength is insufficient or the hitting position is inaccurate, the iron flower may not splash to a sufficient height, thus scalding itself.

Therefore, it is a common practice to burn your body and lose your hair by falling molten iron during practice. Under such risks, it is only because of the belief that artisans inherit culture that the iron flower has been passed down to this day.

Before, Mr. Yang Jianjun devoted himself to restoring the traditional skill of beating iron flowers, which attracted attention again and successfully promoted its inclusion in the second batch of national intangible cultural heritage list; Later, Mr. Wang Jun, as the outstanding person in Kaifeng, constantly innovated, launched such performance projects as "Tiehua Dragon Dance", and joined hands with Dasong Martial Arts City in Longevity Mountain in Kaifeng to create a large-scale realistic drama "Tiehua", which created a miracle in the performance history.

Playing while the iron is hot is not only a visual feast.

It is also a bridge connecting us with the spiritual civilization of Chinese ancestors. Turning hot and dangerous molten iron into bright golden flowers shows the people’s enthusiasm, courage, hard work and optimism in this land. The dazzling golden flame is like the ear of wheat, which symbolizes our love for the food in the agricultural province.

A dozen people are in harmony with each other, and iron flowers offer happiness; two dozen people are blessed from heaven, and China enjoys happiness; three dozen people are prosperous in all fields; four dozen people are full of happiness, health and longevity; five dozen people have a bright future, rising step by step; six dozen people are obedient, and everything goes well; seven dozen people are rolling in financial resources, making money everywhere; eight dozen people are lucky, and heaven and earth are prosperous; and nine dozen people are harmonious, stable and share peace.

During the performance, the performer used a flower stick to strike the molten iron strongly. When the molten iron rises into the air instantly, the iron flower splashes like a flower rain composed of gold wires, like a meteor, and like a flamingo silver flower, it blooms in the dark, showing shocking beauty.

When we look up at Tiehua, like our ancestors thousands of years ago, our eyes are full of money and our hearts are full of good wishes. When the sparks landed, we returned to the prosperous times, where politics and people were harmonious and the world was one.

Reporter: Chen Yuexi

Photo: the creativity of the worm

Information: Zhumadian Wenlv

Original title: Have you seen the extreme romance of "Tie Tie Hua"? 》

Read the original text

Recently, the "2017 Inflammatory Bowel Disease Nanjing Forum" hosted by the Inflammatory Bowel Disease Treatment Center of Nanjing General Hospital of the People’s Liberation Army was successfully held in Nanjing. Nanjing Forum on Inflammatory Bowel Diseases enjoys a high reputation in the field of inflammatory bowel diseases in China, and it is the fourth time so far.

In the past decade, the field of inflammatory bowel disease treatment in China has developed rapidly, and remarkable progress has been made in drug and nutrition treatment, endoscopic treatment, surgery and treatment of perianal diseases. More and more gastroenterologists, surgeons and nutritionists have actively participated in it, and multidisciplinary cooperation has also flourished in many centers.

On the basis of previous forums, the conference invited Academician Li Jieshou of China Academy of Engineering, Professor Feza H Remzi, Director of Colorectal Surgery of Cleveland Hospital, Professor Luca Stocchi and Professor SHEN BO, and other internationally renowned scholars in the field of IBD, authoritative experts in the field of internal surgery and nutritional treatment of inflammatory bowel disease in China, and elites from gastroenterology and gastrointestinal surgery all over the country. Sharing experiences and discussing techniques and techniques, comprehensively discussing the hot issues in the treatment of Crohn’s disease and ulcerative colitis in the past year, showing the latest achievements and scientific research level in the treatment of inflammatory bowel disease in China, deepening exchanges and cooperation among disciplines and promoting the development of IBD treatment in China.

Professor Zhu Weiming, Director of General Surgery of Nanjing General Hospital, Chairman of the Conference, delivered an opening speech. Professor Shi Zhaorong, Dean of Nanjing General Hospital, welcomed all the guests on behalf of Nanjing General Hospital and gave a brief introduction on the current situation of the inflammatory bowel disease treatment center in the hospital. Under the leadership of Academician Li Jieshou and Professor Zhu Weiming, the hospital’s inflammatory bowel disease treatment center has developed rapidly in the past four years, and has become the largest specialized center featuring surgical treatment and nutritional treatment in China, with more than 1,000 patients treated annually. At the same time, the scientific research results are also very fruitful, and more than 50 high-scoring papers have been published.

Academician Li, an academician of China Academy of Engineering, a famous expert in general surgery, the founder of the treatment of intestinal fistula and the founder of clinical nutrition support, expressed his outlook on the future: "In fact, we have not found the real cause of CD until now, and it is only theoretical speculation and practical trial. I have studied bowel disease for more than half a century, and I know it, but I haven’t seen through it. I hope that one day we can really know it. "

Well-known experts, multiple groups and different forms of communication have made the "2017 Nanjing Forum on Inflammatory Bowel Diseases" a successful conclusion.

1. Professor Zhu Weiming, President of the Conference, delivered an opening speech.

2. Dean Shi Zhaorong of the hospital welcomes experts at home and abroad.

3. Academician Li Jieshou of China Academy of Engineering spoke at the forum.

Special feature of 1905 film network After the large-scale movie, the popularity of the film Ne Zha kept rising, and the word-of-mouth "exploded". Douban score has reached 8.7 points, far exceeding the 8.3 points in Return of the Great Sage, setting a new record for domestic animation score in recent years.

As an animated film, Ne Zha has successfully subverted countless audiences’ definitions of animation and traditional myths, and has become one of the national masterpieces suitable for all ages. Many friends in the graphic studio of 1905 Movie Network watched this movie in advance, and some people predicted that it would be the first domestic animation to win 1 billion+box office. Some people affirmed that this film represents the highest level of domestic animated films at present; However, some people have pointed out that this film is "unfriendly".

　

Five years 10/10

　

Nezha, a Xiong Haizi, feels like a combination of The Return of the Great Sage and The Big Fish Begonia. It tells a good story and is supported by first-class visual effects. The first billion+of domestic animation may not be far away, and it is more likely to become a strong contender for the box office champion in 2019.

　

Milo 8/10

　

It is no exaggeration to say that Nezha represents the highest level of domestic animated films both in story and technology. Like the explosion of White Snake: The Origin at the beginning of the year, both of them boldly adapted and reconstructed the classic legends successfully in the modern context. Nezha is very successful in image and personnel design, which can be said to be the most vivid and three-dimensional protagonist image in recent years.

　

Just like the phrase "My life is up to me" shouted by Nezha, the whole animation is filled with a kind of arrogant madness from story to special effects. Whether it’s the fierce battle in Chentangguan, where the last wave is higher than the last wave, or the paragraphs of the picture of the country and the country, it shows the director’s eclectic imagination while showing the technical level of the country. The director himself switched from a medical student to animation, and his ten-year experience is quite "going against the sky and changing his life".

　

Please blow up "Nezha" more violently in this quiet summer file!

Weishmer 7/10

　

There are two worlds in Ne Zha.

　

One is Chentangguan, and the other is the map of mountains and rivers by Taiyi — — Holding a "pointing pen", you have the ability to "create".

　

《Map of mountains and rivers"is a myth in mythology. For the first time, Taiyi real people entered the picture with his apprentice Nezha, and they started all kinds of essays dancing and jaw-dropping wonders in Nezha. The scenery is for Nezha and, of course, for the audience. There is a picture of Nezha’s back to the audience, and the audience is consistent with Nezha’s perspective, which is full of substitution.

　

The picture depends on the imagination of Taiyi’s real person, and the film depends on the imagination of the director. Taiyi real people want to please Nezha, and the director is also trying to please the audience — — In a way that seems deviant.

　

Before the release of Ne Zha, the biggest controversy was the adaptation of Nezha’s image. "jiaozi (film director)" version of Nezha is ugly and fierce, which makes people love it. Then, Nezha became handsome, and formed "lotus root cake" CP with "sworn enemy" Ao Bing.

　

Want to see "shit", "Nezha" meets you; Want to see special effects, "Nezha" meets you; Want to see the picture, "Nezha" meets you; Want to see handsome guys, "Nezha" satisfies you. The director is like the real Taiyi. "I’ll draw you anything you want to see."

　

In my opinion, this flattering hodgepodge really runs counter to the "rebellious spirit" declared by the film. Nezha, who shouted "My life depends on me", was just a Xiong Haizi after all.

Liusen 7/10

　

Finally, I saw a domestic animation with a story arrangement that was not embarrassing. The previous ones were somewhat far-fetched in the connection of the plot, and even "unfinished" at the end. However, the plot of this Nezha is very complete, without much skill, but it tells a story in a down-to-earth manner.

　

However, there is actually one thing here, which is particularly unfriendly in the design of "punchline".

　

Using Shen Gongbao’s stuttering and strong female voice as a stalk to get the punch line is indeed a funny thing for many viewers. However, in such a film that emphasizes "being yourself and not believing in life", it is very low-level and disrespectful to such groups in reality. What’s more, this is a movie that emphasizes family fun and attracts children into the cinema.

Ke Nuo 6.5/10

Four years later, the frenzied atmosphere of The Return of the Great Sage is back, which is really familiar. In a cry for the rise of the country, we should still maintain a little rationality. From Qui-Ba, the real rise of domestic animation is the technical level. The role modeling is getting more and more realistic, the action scene is getting bigger and bigger, and the imagination paragraphs are also improved a lot, but the progress in drama is really not great.

　

The main story of Nezha is clear, which reasonably innovates the father-son relationship between Nezha and Li Jing, and the twin combination of Nezha and Ao Bing also meets the specific fan groups with obvious intentions. However, at the same time, it is filled with a lot of jokes and irrelevant jokes. The comedy of "shit and fart" has a vulgar surface, and the dialogue paragraphs woven for the current context are out of date, such as fingerprint unlocking. These paragraphs interspersed from time to time are very destructive to the narrative rhythm and overall impression.

　

The spiritual core of Nezha’s rebellion against the patriarchal system, such as "eviscerating bones for flesh" and "remolding flesh", is absent, and it is changed to the slogan "My life is up to me". Burning, but empty. The final climax in the film is very long, but each wave is not stronger than the other, and it is a little weak.

Nezha’s appeal to the commercial market is greater than its pursuit of a higher level of artistic expression. Really good animation and movies are not to cater to the audience, but to lead the audience. This is the long-term thing.

swi 7/10

If you count the filter, you will get a higher score for Nezha, but the director has received enough praise. The picture of the film is completely aesthetic, especially the design of the dragon side, the scene before the war (no spoiler? ) It is not only obedient to logic, but also beautiful and burning.

There are not a few original film and television adaptations. Nezha has made great changes to Nezha, Ao Bing and Shen Gongbao, which is also the most "modern" and "contemporary" creation of this film. Many people are deeply impressed by the classic "What’s wrong with the sea", which can never be surpassed by repetition. It is easier to make new audiences like this story by finding another way.

Personally, I have reservations about a large number of stalks in Nezha. Of course, different people have different opinions, and the design of grounding gas can be regarded as a double-edged sword.

　　Xinhua News Agency, Chongqing, January 25th　Question: How much "oil and water" is there in "hot pot old oil"? — — Investigation on the problem of "hogwash oil" in Chongqing hotpot

　　Xinhua News Agency reporters Ke Gaoyang and Han Zhen

　　Chongqing Food and Drug Administration recently issued an announcement to investigate five hot pot restaurants suspected of recycling "old hot pot oil", and informed or transferred relevant clues suspected of food safety crimes to the public security organs, thus unveiling a new round of rectification of Chongqing hot pot industry.

　　The so-called "old chafing dish oil" which is recycled repeatedly is actually the "swill oil" which is the same as the waste oil. It has long been banned because of its harm to human health, but it has been banned in Chongqing chafing dish industry for many years. The reporter’s investigation found that the use of "swill oil" can make huge profits and is difficult to find, and the illegal cost is extremely low. It is urgent to strengthen the rectification from the source to prevent "swill oil" from flowing to the table.

　　How big is the huge profit behind the "swill oil"?

　　“‘ Hogwash oil ’ Repeatedly banned, the biggest reason is driven by huge profits. " An industry insider who has been engaged in Chongqing hot pot business for more than 20 years calculated an account for the reporter: 1 kg of hot pot bottom material costs 15-20 yuan. Generally, 2-3 kg of hot pot bottom material is used for small pots and 4-5 kg for large pots, but the bottom cost of most hot pot restaurants is only about 30-50 yuan, which is not enough. With the use of "swill oil", the oil consumption of the cauldron is about 1.2 kg, and that of the small cauldron is about 0.8 kg. The remaining 60% to 70% of the oil can be recycled, and more than half of the cost saved is the net profit of the merchant. If a hotpot restaurant receives 30 tables every day, the use of "hogwash oil" can save more than 1,000 yuan in cost and increase tens of thousands of yuan in income in one month.

　　According to the insider, over the years, Chongqing hotpot enterprises that use "hogwash oil" have formed a set of relatively fixed processing flow: the chafing dish bottom material recovered from the dining table is first filtered through a sieve to separate the oil residue, and then dried at a temperature of 100-120 degrees Celsius for oil-water separation. After the separation, add spices for refining, and then serve them on the table again. In order to better separate the residue in the "swill oil", some merchants have to carry out high-temperature washing.

　　The reporter’s investigation found that in addition to directly processing "swill oil" in the store, some hot pot restaurants choose to sell "swill oil" to small workshops and process it into "gutter oil" in the underground market.

　　The manager of a hot pot restaurant in Yubei District of Chongqing told the reporter that his hot pot restaurant needs to deal with 2 to 3 tons of hot pot "hogwash oil" every month. If it is sold to a small workshop at the purchase price of 10 yuan per kilogram, it can earn 40,000 to 50,000 yuan more each month. Although the hot pot "hogwash oil" is recycled by a company certified by the environmental protection department, "if ‘ Hogwash oil ’ Give it to them, not only can’t sell money, but you have to pay a handling fee. Who wants this? " He complained.

　　How difficult is it to control the "swill oil"?

　　"Illegal use of ‘ Hogwash oil ’ It can bring rich profits, but it is very difficult to collect evidence and investigate related behaviors. " Chen Honggang, deputy director of the Food and Drug Administration Branch of Jiangbei District, Chongqing, said that in recent years, the food and drug administration has continuously cracked down on "swill oil", but it has been repeatedly banned, and the method of illegal merchants using "swill oil" has become more and more concealed.

　　Some unscrupulous merchants choose to cook "swill oil" after the end of business at night, and then put it into disposable packaging bags to deceive consumers; Some unscrupulous merchants use high-purity filtration or mix with qualified edible oil, which makes it difficult to distinguish "swill oil" and it is difficult to obtain evidence for law enforcement.

　　On January 10th, Chongqing Food and Drug Administration inspected the captain’s theme hot pot Beicheng Tianjie Store suspected of using "swill oil". After the reporter followed the law enforcement officers into the hot pot restaurant, the chef found that the restaurant had a camera in the kitchen, but the chef in the store said that the camera had never been used. "In this case, even if the store directly processes and uses it in the kitchen ‘ Hogwash oil ’ It is difficult to directly confirm without surveillance video. " Relevant people said.

　　According to relevant sources, at present, there is still a lack of corresponding technical standards and detection methods for the identification of "hogwash oil" in China, which means that if "hogwash oil" is not "one pot at a time" in the initial and intermediate stages, once it is put on the market for sale and use, it is less likely to be discovered.

　　In addition, the high cost of consumer rights protection has also contributed to the arrogance of merchants using "swill oil" in disguise. Zhang Zhongmin, a member of the Expert Advisory Committee of china law society Food Safety Research Center and a professor at chongqing technology and business university Law School, pointed out that the use of "hogwash oil" in hot pot restaurants is harmful to consumers’ health and belongs to universal infringement. However, this damage is not obvious. If consumers initiate rights protection, it will take time and effort, but the compensation will be limited, and they will face difficulties in proof, which will make unscrupulous businesses hide.

　　How to cure the hot pot "swill oil"?

　　"Swing oil" has many harms but no benefits, but it is an open secret or even a "hidden rule" in Chongqing hot pot industry. Some consumers exclaimed, why is it so difficult for ordinary people to eat a safe and secure hot pot?

　　Statistics show that as of the first half of 2017, there were nearly 30,000 hot pot stores in Chongqing, with an output value of 30 billion yuan. Experts say that if there is no scientific and effective way for such a large number of industries, it is easy to cope with them and it is difficult to supervise them.

　　Experts such as Associate Professor and Jing Jun from the School of Politics and Public Administration of Southwest University of Political Science and Law believe that countermeasures should be sought from the root causes, the initial link of "swill oil" should be grasped, clear standards should be set for the treatment of kitchen waste in catering industries such as hot pot, monitoring systems should be installed, bright kitchens should be built, and the whole recycling process should be supervised and covered.

　　Finding a way out for "swill oil" is also an important way to solve the problem. The main component of "swill oil" is grease. Although it is not suitable for eating, it can be made into industrial products such as soap and lubricant, and its application market is broad. Experts suggest that in order to improve the enthusiasm of catering enterprises to recycle kitchen waste such as hot pot swill oil through formal channels, we can learn from foreign experience and encourage professional companies to buy swill oil at a certain price by means of government subsidies, so as to turn a huge amount of kitchen waste into treasure and prevent swill oil from flowing to the table at the source.

1905 movie network news Directed by Lian Tao and starring Crystal and Fan Yichen, the box office has exceeded 30 million yuan since it was released on June 21st.On June 28th, a Marvel Comics blockbuster was released, and 50% of the films were divided on the same day, posing a threat to other films that have already been released. However, in the past two days of the weekend, the box office of "Disc Fairy" has been attacked. On June 29th, the number of people watching movies reached 147,000, and on June 30th, the number of people watching movies reached 115,000, both of which were the champions of domestic films in the same period!

Especially on June 29th, Disc Fairy ranked fourth in the single-day box office. You know, when Disc Fairy was first released, strong films gathered, which made it only ninth in the single-day box office on its opening day. However, in the second week, with the heavy introduction of blockbusters, the single-day box office ranking of "Disc Fairy" did not drop, but rose, rising to the fourth place step by step.

Judging from the weekend’s performance, "Disc Fairy" ranks first in the domestic films of the same period in terms of attendance, attendance, average number of people per game and box office! At present, it is already the champion of domestic horror films in 2019, which is five times the box office of the second place, even higher than the sum of all domestic horror films that have been released this year!

In the box office list of horror films in China film history, Disc Fairy has also occupied a place. It is currently ranked sixth, and as long as it can maintain this high-speed rising momentum, when the box office exceeds 35 million, it is expected to rank among the TOP5 domestic horror film box office list.

Some netizens summed up that domestic horror movies are always inseparable from the scary "three axes": turning around and encountering ghosts, waking up and dreaming, looking for children. A website once conducted a survey on "Why domestic horror movies don’t scare you", and 70% of the audience thought that "the plot insulted IQ, and they wanted to laugh after watching it"; 50% people think that "creation is limited and many terrorist elements cannot be expressed"; And 41% of the audience think that "the performance is poor, and it is not scary to scream by beautiful women."

Crystal plays a late-night live female anchor and a single mother in the film. After she and her daughter moved into a rented house, her daughter accidentally and inexplicably triggered the mechanism in the room, so the mother and daughter suffered a series of mysterious and strange events … …Different from ordinary domestic horror films, Disc Fairy has an unexpected reversal at the end of the film, leaving the audience with room for imagination. Horror movies don’t just have to be scary, but they can give the audience a space for aftertaste and "fear" on the psychological level, which is the characteristic that an excellent horror movie should have.

After going public during this period, many friends asked Brother Miao. In the final analysis, whether to buy or buy iCAR 03T, or continue to wait, wait. Brother Miao, as a car owner for six months, I still have a say in this question.

The difference between iCAR 03 and 03T

First of all, between 03 and 03T, the biggest change is actually the change of the appearance part and the change of the whole car part. But at 03, this car will be upgraded soon, and after the upgrade, it will be exactly the same as that at 03T.

So, you can think that 03 and 03T are currently led by Chery’s team. There is not much difference between 03 and 03T in the whole kernel, mainlyA change in appearance.

of coursePrice and configurationThere are some differences and some trade-offs. So choose 03 or 03T, I think it mainly depends on whose appearance you like, and then whether you can accept the price and configuration.

For example, like 03, it may not support the low-end version of the Bluetooth key, but after 03T, it can support the Bluetooth key. In this case, you only need to take a mobile APP out.

Of course, there is this one. There is no 8155 in the low version of 03, so the smoothness of the car may not be so good.

But now 03T is an 8155 chip, and all the departments can add wisdom. At this point, if you get on 03T, I personally suggest that you can.JiazhijiaYes, because with smart driving, driving at high speed will be much easier.

Wait for V23 or do it now.

Finally, should we wait for V23 or do it now? Because the whole shape design and kernel of V23, including the design leading, are based on the original Dr. Zhi Mi Su Jun and his team.

They have a lot of experience in explosive products and software, so I can predict that the optimization of the whole car will definitely be.it will be better.

And its intelligent driving scheme has also been changed toHorizon’s plan, including the whole design of the car and the logic of interaction are also dominated by them.

Therefore, in terms of design, I believe it will be more perfect and mature, and the interaction of the whole software system of the subsequent car machine, I personally infer, should be more secure.

If you are not in a hurry at present, you can actually wait until V23 comes up and compare it. Because especially the original model, it is inevitable that you will be a mouse. For example, I should be close to the original model, and there are indeed many shortcomings in it. I have had in-depth exchanges with the manufacturers.

However, we should know that a car is not something that can be changed immediately when it is put forward. It is limited by its functions, laws and regulations, and a series of its software and hardware coordination and capabilities.

itThe speed of change may be slower.There are even some functions, such as Bluetooth key function, which can’t be realized at all if it doesn’t match this hardware.

summary

Therefore, I sincerely suggest that if you really like ICAR series and small square boxes, you can do it a little.Wait and see.. Because it won’t be long before V23 comes on. Will you buy V23, 03 or 03T then? After V23 comes on, won’t you be very clear? Right?

A few days ago, the hit TV series "Perfect Companion" starring Edward Zhang and Gao Yuanyuan is coming to an end. In the play, Edward Zhang plays Sun Lei, a family husband who is "the man is the master". With her real acting skills, she shows her devotion and love for her family, and her understanding and tolerance for her partner has won the favor of many viewers. She is called the "human ideal" of women in the new era. The audience and netizens said that Sun Lei’s charm lies in his understanding of respecting women and supporting gender equality. As a "family cook", he realized the hard work of women to take care of the family, so he could accept the family division of labor of "women take care of the family outside and men take care of the family inside". In the latest story, because there are different ideas about the balance between career and family, the relationship between Sun Lei and Chen Shan is broken, and the audience feels sorry for the "mountain bamboo shoots" CP. Every character in the play is not born perfect, Sun Lei also has shortcomings, and there are places in life that are not well cared for, but this imperfection also makes the characters more real, so that imperfect partners have room for common growth.

Edward Zhang Gao Yuanyuan "mountain bamboo shoots CP" be? On the Opening Way of Correct Family Communication

The TV series "Perfect Companion" has been broadcasted all the way up to now, and the finale is about to come. In the drama, Edward Zhang challenges a new role to play the husband Sun Lei, who is a "domestic man". With his real acting skills, he has created an image of a good husband who is considerate to his wife and daughter, knows how to take care of the family, and even is willing to make self-sacrifice and concessions for the woman’s career, and is called "the ideal on earth" by the audience. Many topics such as "Sun Lei gave Chen Shan a sense of security", "Chen Shan’s mode of getting along with Sun Lei" and "Gao Yuanyuan Edward Zhang’s husband and wife’s fitness" have also been on the hot search one after another. Some viewers said: "Sun Lei played by Edward Zhang, especially like a person who will appear in life, can also see the importance of communication between husband and wife through the pursuit of drama. I hope that Sun Lei and Chen Shan’s’ mountain bamboo shoots ‘CP can be rebuilt and usher in a happy ending."

For the balance between family and career faced by the characters in the play, the audience also lamented that the plot in the play really reflected the situation in real life, and frankly said: "There will always be a sacrificial party when husband and wife get along. Although Sun Lei and Chen Shan don’t understand each other’s behavior, after the quarrel, both sides can communicate effectively and empathize with each other, so it is worth learning." Some netizens fully understood Sun Lei’s self-sacrifice in support of his wife’s career: "Sun Lei’s charm lies in his understanding of respecting women and supporting gender equality. As a’ domestic man’, he can personally understand the hard work and difficulty of women in taking care of the family, so he can better understand the family division of labor of’ women outside the house and men inside’. "

Edward Zhang’s "domestic man" who shows the imperfect autonomy of family division of labor in the new era makes the role more real.

In the past, the characters played by Edward Zhang were mostly "outside the home". This time, Sun Lei, the "domestic cook" played in The Perfect Companion, is a typical "inside the home" type. Sun Lei handles all the big and small things at home, so he knows more about women’s efforts and hardships. Under the relationship between husband and wife in the new era, this kind of "domestic man" is actually a new style. For Sun Lei and Chen Shan’s concept of family division of labor, which also made the audience discuss how to divide the labor in marriage, some netizens left a message saying: "The division of labor between women and men in the play is becoming more and more common in today’s real life of equality between men and women. Both the division of labor between women and men is autonomous, and either way is worthy of being recognized.

Some viewers also said that Sun Lei took the initiative to take care of his family and daughter, and making concessions was not a sign of cowardice, but out of love for his family and family. After the divorce, Sun Lei met Bole in his professional field and returned to the right track of his career, which also proved that he can contribute to his family through his career ability. Sun Lei is not perfect, every character in the play is not perfect, and it is these imperfections that make the characters in the play more real and give imperfect couples room to grow up with each other.