Original title:"Bangsha" or "Bangsha"? AB surface behind the hot search from the bottom to the east

Recently, the "taste storm" of employees from Fat East has turned again.

Many experts and lawyers believe that Fat Donglai’s punishment for "dismissing employees" is too heavy and "unreasonable".

At the same time, some experts pointed out that the pressure exerted by consumers on enterprises is often passed on to workers.

Over the years, Fat Donglai has frequently rushed to hot search because of "pet customers", and has also been concerned by public opinion for many controversial topics such as "high price" and "excessive punishment for employees".

Today, let’s peel off the noise of traffic and look at the AB side from the fat east behind the hot search.

Pangdonglai employees did not clean chopsticks after tasting noodles, which caused doubts. Video screenshot

Grocery shop transformation large supermarket

Sales in the opening year was 500 million yuan.

Enterprise search App shows that Xuchang Pangdonglai Trading Group Co., Ltd., an affiliated company of Pangdonglai, was established in September 1997. Its legal representative is Yu Donglai, with a registered capital of 76 million RMB, and its business scope includes prepackaged foods and bulk food, special food sales and catering. Yu Donglai holds 52.11% of the shares and is the largest shareholder and actual controller.

Among the more than 10 companies that the company has invested abroad, 8 companies are still in existence, including Xuchang Pangdonglai Supermarket Co., Ltd., Xuchang Pangdonglai Pharmaceutical Chain Co., Ltd. and Xuchang Pangdonglai Angel City Film Co., Ltd., covering medicine, commerce, film and television, catering, jewelry and so on. The company also has 47 branches in Xuchang, but most of them have been cancelled.

Yu Donglai, the founder of Fat Donglai, was born in Xuchang rural area and dropped out of junior high school. In the days when the society was struggling for a living, he once sold peanuts, sold popsicles and worked as a temporary worker. In the spring of 1995, Yu Donglai borrowed 10,000 yuan from his brother, together with 60,000 yuan from four laid-off workers, to open a grocery store with an area of more than 40 square meters, which was the predecessor of Fat Donglai.

After many ups and downs, on New Year’s Day in 2002, the Pangdonglai Life Plaza, with a business area of 23,000 square meters, opened. The supermarket integrated shopping, leisure, catering and entertainment, and became the largest comprehensive supermarket in Xuchang at that time, with a sales volume of 500 million yuan that year.

On January 13th, the 40-day Spring Festival travel rush 2017 was launched, which is also the earliest Spring Festival travel rush in recent five years. The passenger flow is still dominated by students, workers and visiting relatives, and it is expected to show the characteristics of "concentration at both ends of the festival and dispersion in the middle". The local railway and highway departments issued the Spring Festival travel rush Plan and took measures to ensure the smooth and safe travel in Spring Festival travel rush.

Today’s report:Three children were rescued after the robbery of a series of young children in Heyuan, Guangdong Province (photos)

　　According to the website of the Ministry of Public Security, abducting and selling children and women is a vicious criminal activity that seriously violates human rights and endangers social stability, and has always been the focus of public security organs. On April 9 this year, the Ministry of Public Security held a video teleconference on the national special action against the crime of abducting and selling children and women, and mobilized and deployed the national special action against abduction. The general objectives of this special campaign are: to solve a large number of cases of abducting and selling children and women, to destroy a large number of criminal gangs of abducting and selling children, to arrest a large number of traffickers, to rescue a large number of abducted children and women, to rectify a large number of key areas and places where minors are organized to engage in illegal and criminal activities, and to resolutely curb the trend of frequent crimes of abducting and selling children and women. Throughout the country, we will focus on cracking down on criminal activities of stealing, robbing and abducting children, organizing and manipulating minors to carry out illegal and criminal activities, and abducting women for forced prostitution. After the meeting, local public security organs attached great importance to it, quickly implemented various work measures, and successively cracked a number of cases.

　　The public security organs in Jining, Shandong responded quickly and cracked the case of robbing children.　

　　At 14: 45 on April 11th, 2009, the Criminal Police Brigade of Wenshang County Public Security Bureau in Jining City, Shandong Province received a report. Xu XX, a villager from Liuzhuang Village, Kangyi Town, this county, rode an electric car to take his 9-month-old daughter home, and was stopped by a silver-gray van. Two young men in the car took her daughter away.

　　After receiving the report, Jining City Public Security Bureau attached great importance to it, and immediately deployed the criminal police detachment and Wenshang County Public Security Bureau to quickly carry out interception operations. At the same time, according to the information provided by the victims, the command center of Jining Municipal Bureau issued a search instruction to the counties and districts around the incident, requesting the interception of the suspected vehicles. At 1600 hours, the leader of Wenshang County Public Security Bureau led the pursuit team to Liangshan County. When chasing to Nanwang section of Wenshang County of Jiliang Highway, the suspected vehicle was intercepted by the police of Nanwang Police Station in Wenshang, two suspects were arrested, the robbed baby was rescued, and a loaded self-made pistol was found from the vehicle.

　　After preliminary examination, the criminal suspects Zhang X and Li XX confessed that after prior planning, Zhang X and Zhang XX snatched the baby in Wenshang County and fled in the direction of Liangshan. At 15: 00, after meeting with Li XX, Zhang XX got off the bus and went back to the downtown area of Jining City. Zhang X and Li XX were caught in the process of trying to sell the robbed baby. At about 19 o’clock, investigators arrested the suspect Zhang XX in Jining.

　　Public security organs in Panzhihua, Sichuan quickly cracked a case of burglary of children.　

　　At 1 o’clock in the morning of April 6, 2009, Pu Mou, a migrant worker from Panzhihua City, Sichuan Province, came home from work and found that his one-and-a-half-year-old son had been stolen, so he reported the case. The Public Security Bureau of West District, Panzhihua City, Sichuan Province attached great importance to this case and immediately set up a task force to carry out investigation.

　　After the Ministry of Public Security mobilized the deployment of video teleconference for the "abduction" special action, the task force further strengthened various work measures. After investigation, three unemployed people, Li, Huang and Yang, were seriously suspected. On April 11, the project police arrested the suspect Yang in Qiaojia County, Zhaotong City, Yunnan Province. After review, on April 11, Yang confessed to selling the child to his fellow villagers. Finding out that the child was going backwards, the task force immediately rescued him. On April 14th, the task force rushed back to Panzhihua City and arrested two others, who confessed the crime of stealing children and abducting them.

　　The investigation of the case is in progress.

　　Public security organs in Dalian, Liaoning destroyed a criminal gang that abducted and forced children.

　　On April 10th, the public security organs in Dalian, Liaoning Province destroyed a criminal gang that abducted and forced children to pickpocket, arrested four suspects and rescued one abducted child.

　　At about 19: 00 on April 10th, Xigang Branch of Dalian Public Security Bureau of Liaoning Province locked a boy of Xinjiang nationality aged about 8-10 when carrying out anti-pickpocketing work in Dalian Wal-Mart Supermarket, and found that there were two adult men of Xinjiang nationality around the boy to help keep watch. When the boy was committing a pickpocketing crime against a woman, the anti-pickpocketing police immediately attacked and arrested the boy and four suspects from Xinjiang, and seized one controlled knife and two mobile phones.

　　After examination, the suspect who manipulated the boy confessed that after coming to Dalian, he committed nearly 100 pickpockets in supermarkets, bus stops and crowded places in Xigang District and Shahekou District. At present, 8 cases have been verified. The other two suspects confessed that since March this year, they have committed eight crimes of pickpocketing in Heishijiao, Heping Square, Xinggong Street, Chunliu and other areas in Dalian, Liaoning Province. The abducted child has been repatriated, and the other four suspects have been detained in criminal detention. The case is under investigation.

　　Public security organs in Lhasa, Tibet quickly cracked two cases of trafficking in women.

　　Since the national public security organ’s "abduction" campaign, Tibetan public security organs have conscientiously implemented the work arrangements of the Ministry of Public Security, and recently cracked two cases of abducting and selling Tibetan women, arrested four suspects and rescued two abducted Tibetan women.

　　1. The case of Suo Mou being trafficked in Dazi County, Lhasa City

　　On April 6, 2009, the Criminal Police Detachment of Lhasa Public Security Bureau received a case of suspected trafficking in women handed over by the Railway Public Security Department of Golmud City, Qinghai Province. The suspects Ma and Du have been detained in criminal detention, and the victim Suo was rescued.

　　At present, the case is under further investigation.

　　Two, Lhasa Xigaze Renbu County Zhuomou, Cimou and others were abducted.

　　On April 6, 2009, the Criminal Police Detachment of Lhasa Public Security Bureau received a report from Zhuomou that Zhuomou and his sister Cimou were trafficked to Linxia County, Gansu Province 18 years ago, and now Zhuomou fled back to Lhasa, and found Yixi Quzong, a criminal suspect who trafficked himself that year, and requested the public security organs to investigate and deal with it.

　　After receiving the report, the public security organ immediately interrogated the suspect Yixi Quzong, and learned that another suspect in the case, Zhao Chunlin, was currently doing business near Xuexin Village in Lhasa. In the early morning of April 7, the task force arrested the suspect Zhao Chunlin.

　　According to the criminal suspects Zhao Chunlin and Yixi Quzong, since 1991, two people have defrauded Zhuo Mou, Ci Mou and two other women and abducted them to Linxia County, Gansu Province.

　　At present, the suspects Zhao Chunlin and Yixi Quzong have been detained in criminal detention, and the case is under further investigation.

　　Ningde, Fujian destroyed a trafficking criminal gang　

　　On April 9 this year, after the Ministry of Public Security deployed a special campaign to combat trafficking in children and women, the public security organs in Ningde City, Fujian Province quickly implemented it, carefully organized and attacked it according to the deployment of the special campaign. Recently, a criminal gang case of abducting and selling children and women led by the criminal suspect Chen Qizai was successfully cracked, 14 criminal suspects were arrested and 28 abducted children were identified.

　　On April 10 this year, the Yunnan police informed the Fujian police of the "2.23" transnational child trafficking case in Yunnan, including clues about the trafficking crime involving Ningde City, Fujian Province. The Criminal Investigation Corps of Fujian Provincial Office immediately informed the Criminal Investigation Detachment of Ningde Municipal Public Security Bureau, and the Criminal Investigation Detachment of Ningde Municipal Bureau immediately organized the criminal investigation department of the whole city to sort out the clues of crimes of abducting and selling children and women investigated over the years, and found that Chen Qizai and others in Fu ‘an City were suspected of major crimes. The Party Committee of Ningde Public Security Bureau attached great importance to it, and immediately dispatched the Criminal Investigation Detachment, the Action Technology Detachment and the police of the Criminal Investigation Brigade of Fu ‘an Public Security Bureau to set up a task force to carry out case investigation.

　　On April 18, the task force learned that a Guangxi trafficker was taking a baby boy to Fujian Province to "trade" and decided to close the net. At about 7 o’clock that day, the suspects Chen Qizai, Guo Bin and Guangxi trafficker Lu Hanlin were arrested at shenyang-haikou expressway Bay Dock Toll Station, and a baby boy was rescued on the spot. Later, in Fu ‘an Chengguan, Saiqi and other places, the criminal suspect Gong Naijin and other accomplices were arrested and a baby boy was rescued. On the 19th, four suspects, including the middleman Zheng Yuehua, were arrested in Zhouning and Xiapu counties.

　　After investigation, since September 2008, the criminal suspect Chen Qizai, together with Gong Naijin and others, has bought baby boys from Yunnan and Guangxi traffickers He Lanqin and Lu Hanlin for profit. At the same time, Chen Qizai and others also abducted unmarried women and sold them to Ningde City through Guangxi trafficker Lu Hanyi and others.

　　At present, the case is under further investigation. 　

　　Public security organs in Quanzhou, Fujian destroyed a criminal gang that abducted and sold children.

　　At 20 o’clock on February 22, 2009, the Hutou Traffic Police Squadron of Anxi County Public Security Bureau, Quanzhou City, Fujian Province, found a van acting suspiciously when it set up a checkpoint at the Hokuto Konishi Hok Township section of the county, that is, it went forward to check it. The people in the car fled one after another, and the driver Li Jidi was detained on the spot. The police found that there were a large number of baby items in the car and there was a major suspicion of selling children, so they handed Li Jidi over to the Criminal Investigation Brigade of Anxi County Public Security Bureau for review. After investigation, the suspect Li Jidi confessed that since 2007, he has bought boys from other places and sold them for profit. In view of the seriousness of the case, Anxi County Public Security Bureau dispatched elite police to form a task force to carry out investigations.

　　After the Ministry of Public Security deployed the nationwide "abduction" campaign, the task force stepped up its work. At present, eight suspects, including Xie Dan, have been arrested and eight abducted boys have been rescued. It was initially found out that since 2007, Li Jidi’s criminal gang has bought 35 boys from Sichuan, Guangxi, Yunnan and other places and transported them to Fujian for sale, making profits from them.

　　The public security organs involved will thoroughly investigate and dig deep, completely destroy this criminal gang and rescue all abducted children.

　　Chongqing Public Security Bureau cracked a case of trafficking in minors for prostitution and rescued two abducted girls.

　　On January 9th, 2009, the Public Security Bureau of jiangjin district, Chongqing received a report from the masses that Zhou X, a young girl, had been trafficked to Hong Kong for forced prostitution. After receiving the report, the leaders of Jiangjin Public Security Bureau attached great importance to it and immediately decided to file a case for investigation.

　　After work, the task force arrested the suspect Fu XX. According to Fu, Zhang XX, a fellow villager of Fu, organized women prostitution in Zhejiang, and asked Fu to find girls in Jiangjin to cheat to Zhejiang. In November 2008, under the deception of Fu XX and Zhang XX, Zhou was cheated out of Jiangjin and was later taken to Zhejiang by Zhang XX. During this period, Zhang XX deceived another classmate of Zhou X, Ran XX, to Zhejiang. Then, Zhang XX sold Zhou X and Ran XX to a hotel in Hong Kong. During the hotel, two girls were forced into prostitution.

　　After the work of the public security organs, two murdered girls have been rescued back to Chongqing. The case is under investigation.

　　The public security organ in Nanning, Guangxi cracked a child abduction case.

　　Since the nationwide "abduction" campaign, Guangxi public security organs have widely mobilized the masses to obtain clues. Recently, Nanning public security organs cracked a child abduction case based on reports from the masses, arrested four suspects and rescued three abducted babies.

　　On April 16, 2009, Nanhu Branch of Nanning Public Security Bureau received an alarm from the masses, saying that on the roadside opposite Langdong Station in Nanning, three women were each holding a baby, and a man was looking after the luggage next to them, which was very suspicious. The leaders of Nanhu Public Security Bureau instructed Nanhu Police Station to dispatch police quickly to find out the situation. The police of Nanhu Police Station immediately rushed to the opposite side of Langdong Station and questioned the four men. The four people could not explain the origin of the babies, so the police took them back to the police station for examination and sent three babies to the hospital for physical examination.

　　After preliminary examination, the suspects Wang Yunhua and Ah Mei confessed that a woman named "Big Sister" gave two baby girls to them and asked them to transport them to Henan Province. At present, four suspects have been detained on suspicion of crime of trafficking in children, and three babies have been sent to Nanning Welfare Institute for proper placement. The case is under further investigation.

　　Shandong Taian cracked the case of stealing and robbing children.

　　On April 8, 2009, after seven days and nights of hard investigation, the task force of Taian City Public Security Bureau and Ningyang County Public Security Bureau cracked the case of stealing and robbing children in Dongcui Village, Dongzhuang Township, Ningyang County, arrested six suspects, including Qin Dechao and Chen Yonglong, and successfully rescued the stolen children.

　　On April 1, 2009, two suspects drove a car to Dongcui Village, Dongzhuang Township, Ningyang County, and took away the baby boy Cui, who was only 96 days old. After the incident, the party committees of the public security bureaus in Tai ‘an City and Ningyang County attached great importance to it, and immediately set up a joint task force to quickly carry out investigations.

　　On April 3, the task force discovered that the suspected vehicle appeared near Yaoshan, surabaya county. The task force determined that Qin Dechao was one of the suspects who stole the baby. On April 6th, the task force captured Qin Dechao in surabaya county. On April 7th, another principal criminal, Chen Yonglong, was arrested in Jinan city. After the trial, people in Qin and Chen Er confessed that Wang Xuexiang and Li Long had said that someone wanted to buy a boy, so they took the boy Cui away. The task force immediately rushed to surabaya county to capture Wang Xuexiang, and then went to a construction site in lai shan, Yantai City to capture Li Long. On April 8th, the task force captured Chen Qingzhu and Zhao Na, who bought children, in a rented house in surabaya county City, and rescued the robbed baby boy. On April 9, when the police of the task force returned the baby boy Cui to his biological parents, thousands of people set off firecrackers and lined the streets to welcome the stolen baby home. The scene was very touching.

　　Public security organs in Cangzhou, Hebei Province cracked a series of cases of baby robbery.

　　In the early morning of December 29th, 2008, four masked men broke into Zhao’s home in Qiqiao Town, Botou City, Cangzhou, with knives, and took away the cash 150 yuan and Zhao’s granddaughter under one year old. This case was listed as the second case supervised by the Ministry of Public Security in 2009. In the early morning of March 19, 2009, several masked men broke into He’s home in Yanshan County, Cangzhou City, robbed a mobile phone with a knife and took He’s 1-year-old son away. After the incident, the public security organs in Cangzhou set up a task force to investigate two cases.

　　On April 9, after the Ministry of Public Security deployed the national video teleconference on the special action of abduction, the Hebei Provincial Public Security Department conscientiously implemented the deployment of the Party Committee of the Ministry of Public Security. The leaders in charge of the ministries and agencies directly organized and studied the case, and the Criminal Investigation Bureau of the ministries and agencies sent a deputy director to Cangzhou to supervise. The Cangzhou Public Security Bureau mobilized elite forces to tackle the problem with all their strength. After unremitting efforts, five suspects, including Pang Yunfeng, Ge Yangyang, Cai Wenlong, Zhou Jianping and Li Jingtong, were finally arrested on April 13. After examination, in the early morning of December 29, 2008, Pang Yunfeng and other four people broke into the baby girl with a knife and sold it to Tianjin. In the early morning of March 19, 2009, Pang Yunfeng and others took the baby boy with a knife and sold it to Cang County. The project police immediately rescued two babies safely and returned them to their biological parents.

　　During the review process, the task force successively captured another seven members of the gang. After examination, since November 2008, the gang has committed more than 50 crimes of blocking roads, burglary, murder, rape, theft, robbery and injury in Shandong and Hebei, involving more than 600,000 yuan.

　　The investigation of the case is under intense progress.

Editor: Yan Bin

"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

Author Wu Shixue

Edited by Wu Shixue and Michelle ChenMiao

Opening:

On December 4, 2019, the first "China Kangyang 30 People" Forum was held. Gao Jianguang, director of the Capital Utilization Supervision Department of the Insurance Company of the Ministry of Finance of China Banking and Insurance Regulatory Commission, China, revealed that by the end of September this year, 10 insurance institutions including China Life Insurance, Taikang Life Insurance and Taiping Life Insurance had invested in 47 community projects for the aged, which were distributed in 20 provinces and cities such as Beijing, Shanghai, Hainan, Jiangsu, Guangdong and Anhui, with a total bed size.

At the same time, the total amount of insurance funds invested in private equity investment funds in the upstream and downstream medical and health industries of pension and pension industries has reached 234.782 billion yuan.

According to the Report on the Development Model and Practice of Long-term Care Insurance in China issued by CPIC Allianz, it is estimated that the market size of China’s pension real estate will reach 7.7 trillion yuan in 2020 and 22.3 trillion yuan in 2030.

Three large insurance companies: China Ping An, China Taiping and Taikang Insurance invested more than 41 billion yuan in the field of pension real estate. Insurance companies such as China Life Insurance, China Pacific Insurance, New China Life Insurance, Sunshine Life Insurance, Hezhong Life Insurance, Qianhai Life Insurance, Evergrande Life Insurance, Junkang Life Insurance and Renhe Life Insurance have also announced or substantially intervened in the investment in the old-age community, and the total investment and planned investment has exceeded 100 billion yuan.

It can be seen that since 2006, insurance companies represented by Hezhong and Taikang entered the pension industry, the natural complementary gene of insurance+pension has been fully verified, and the insurance department has become one of the important forces participating in the investment+operation of the pension industry, and more innovative models will be born in the future.

This time, AgeLifePro will systematically review the motivation, participation mode, development process and future trend of insurance companies participating in the pension industry, hoping to bring some valuable reference to the pension industry.

catalogue

First, why do insurance companies have laid out old-age care?

Two, six innovative models of insurance companies participating in the pension industry

Third, the development process of the insurance company’s layout pension

Fourth, the echelon and location layout of insurance companies to develop old-age care

V. Five Future Trends of Insurance and Pension

VI. Insurance+Pension: Pension Layout of 12 Insurance Companies

Seven, insurance companies to develop pension in a variety of ways.

-The full text is 17,145 words-

part1

Why do insurance companies have laid out their pensions one after another?

one

policy support

The policy has experienced a progressive process from caution, to liberalization, and then to rational regulation. In 2009, the China Insurance Regulatory Commission issued the Measures for Insurance Investment in Real Estate and the Measures for Insurance Investment in Equity, which allowed insurance companies to invest in real estate and corporate equity, thus opening the prelude to policies to encourage insurance companies to enter the pension industry.

On November 19th, 2009, with the support of policies, China Insurance Regulatory Commission issued the Notice on Filing Taikang-Pension Community Equity Investment Plan, and approved Taikang to set up a pension community. In 2010, Taikang House was established, which indicated that the policy of insurance investment for the aged really landed.

Figure: Measures for the Administration of the Use of Insurance Funds

After the insurance companies have invested heavily in assets, the policies have become more rational and perfect. On January 24, 2018, the China Insurance Regulatory Commission issued the Administrative Measures for the Use of Insurance Funds (the "Measures for the Use of New Insurance Funds"). The new measures have two new principles: First, the use of insurance funds must be aimed at serving the insurance industry (that is, the well-known "insurance surname"), and second, the use of insurance funds should adhere to independent operation and not be interfered by shareholders in violation of regulations.

In addition, the new measures for the use of insurance funds and the Outline of the 13th Five-Year Plan for the Development of Insurance Industry in China issued by the China Insurance Regulatory Commission also mentioned that insurance funds should be allowed to invest in asset securitization products, broaden the service fields of insurance funds, and innovate the use methods of insurance funds (encouraging the establishment of professional insurance asset management institutions such as real estate, infrastructure and pension, and allowing professional insurance asset management institutions to set up mezzanine funds, merger and acquisition funds, real estate funds, etc.).

2

Focus on the development of insurance companies themselves

1. Investing in heavy assets for the aged can improve the solvency of insurance companies.

In the early days of insurance companies entering the pension industry, the investment speed of insurance companies is very fast. By investing in the pension community, we can evaluate and increase the value, create income on the books and improve the solvency. However, it is worth mentioning that after 2017, due to the control of the proportion and solvency of large-scale assets by the China Insurance Regulatory Commission, the feast of evaluating and increasing the value of insurance companies’ investment in pension communities will no longer be available, and insurance companies will no longer be able to obtain solvency, but will be discounted accordingly.

2. It is conducive to alleviating the pressure of "mismatch between long and short" of insurance funds.

There are abundant insurance funds and a large number of investable assets, but at present, the funds mainly enter short-term investment channels such as bank deposits and government bonds, and the investment channels are relatively single, resulting in a mismatch in the maturity of assets and liabilities. As a comprehensive service industry, providing for the aged needs a certain amount of time to settle the service. Considering the long construction period of the old-age community and apartments for the elderly, it also needs a long-term and stable source of funds. Matching the two can alleviate the pressure of "mismatch between long and short" of insurance funds.

3. Promote policy sales.

Figure: Policy sales of listed companies docking with pension communities

The expiration and renewal of commercial insurance has always affected the stable operation of insurance companies. Insurance companies link insurance products with pension services and pension real estate membership, which can increase the attractiveness of insurance products, form differentiated competition, provide customers with more choices, improve customer stickiness and promote policy sales.

According to the survey of 21st century business herald, in 2019, CPIC issued 7,906 qualification letters for the elderly community; The occupancy qualification of Taiping Pension Community Project drove the initial premium of about HK$ 5.6 billion, and the contribution rate of the initial premium reached 18.8%, which became an important contribution force for Taiping’s life insurance companies to promote the growth of new orders.

4. Extend the industrial chain

The rapid development of the old-age care industry has spawned more and more formats. In addition to large-scale old-age care communities with heavy assets, there are also various lightweight service projects covering all aspects of the lives of the elderly. The distribution of insurance funds for the aged can deepen the existing life insurance customers, create services for the elderly around the whole life cycle, link up with engineering insurance, and link down with medical insurance, nursing insurance, endowment insurance, door-to-door service, etc., and then drive the overall development of the company and provide the comprehensive income of the company.

part2

Six innovative modes of insurance enterprises participating in pension industry

one

Real estate investment model based on old-age community

Since Taikang Home built a large-scale community for the aged (CCRC) on a large scale, this model has also become the "correct" idea for insurance companies to intervene in the elderly. This model is based on real estate, and only with the right to use or property rights of real estate can we get the corresponding pension services.

This investment model attaches great importance to asset layout, which can give full play to the comprehensive advantages of insurance companies and integrate development, investment and operation. At the initial stage of entering the pension industry, it was favored by some head insurance companies.

Under the old-age real estate model, the elderly can live in by paying a deposit and a monthly fee, or they can become members, or they can buy relevant insurance products to lock in the right to live in the old-age community in advance. Union Life’s insurance policy+physical endowment insurance plan, Taikang’s "Happiness with a Contract" insurance product innovatively links virtual insurance products with physical communities.

While Taikang, Taiping and China Life successively built large-scale old-age care communities and sold the right to use them, Ping An Real Estate Co., Ltd. also launched the first old-age care project that can sell property rights in Tongxiang City, Zhejiang Province.

In addition to the typical CCRC product types, everyone insurance cooperates with BTG to build an urban pension complex by means of light asset leasing; New China Life Insurance transformed its office building into an apartment for the elderly and a rehabilitation hospital, which means that insurance companies have begun to cover the "urban institutional pension scene".

2

The service mode of going deep into the scene of community home-based care for the aged.

This model mainly provides old-age services for the elderly at home in the community. Insurance companies take advantage of their abundant policy information to provide corresponding intermediary services and charge relevant intermediary fees. This model has a good development prospect in the future under the overall situation that community homes occupy the mainstream of old-age care in China.

Because insurance companies only appear as service intermediaries or traffic platforms in this mode, the investment is light, and large, medium and small insurance companies can participate.

Photo: Love Life "Love+Home Care Service Plan"

Love Life launched the industry’s first "Love+Home Care Product Plan" and became a leading explorer in the field of home care. This product includes a complete set of home care service system and builds an efficient service platform. Combining medical care with nursing care, through the "1+N" consulting professional service, we can solve the comprehensive needs of medical care, pension, nursing and rehabilitation in one stop.

In the early days of entering the old-age care industry, Taikang also took community home-based care for the elderly as the entry point. In January 2008, Taikang Home Wangjing Senior Club officially opened, but this exploration was unsuccessful, which eventually prompted Taikang to choose the heavy asset CCRC model.

three

Establish a professional endowment insurance institution

Since the establishment of the first pension insurance company in December 2004, there are currently nine professional pension insurance institutions in China, namely, caring for the elderly, China Life Pension, Taiping Pension, Yangtze Pension, Taikang Pension, Ping ‘an Pension, Xinhua Pension, Everyone Pension and Hengan Standard Pension, all of which were initiated by medium and large insurance groups.

The core business of pension insurance companies can be divided into trust-based asset management business and contractual commercial insurance business. Trust-based asset management business mainly includes enterprise annuity, occupational annuity, pension products, old-age security management products and third-party asset management business (issuing insurance asset management products and conducting fund management in special accounts of third-party institutions). Contractual commercial insurance business mainly includes health insurance, accident insurance and pension insurance. The specific business situation varies depending on the business development path of each insurance company.

four

Innovation of financial products for the aged

Figure: China’s three-pillar pension system

This model fits the insurance company’s industry. On the one hand, insurance companies can enrich the supply of commercial endowment insurance products and meet the differentiated endowment insurance needs of customers. Support qualified commercial insurance institutions to actively participate in personal tax deferred commercial pension annuity insurance and innovate housing reverse mortgage pension model. Happiness Life Insurance and People’s Life Insurance both operate reverse mortgage insurance business for personal housing pension.

On the other hand, participate in long-term care insurance. At present, the policy is vigorously encouraging commercial insurance to enter the field of nursing insurance. With the gradual expansion of the pilot scope of the long-term care insurance system, commercial insurance companies can play more roles in the future, and work with the government, individuals and other relevant parties to open up the payment system and promote the development of community embedded institutions. Taikang, China Life Insurance and Qianhai Life Insurance all participated in or calculated to participate in the field of long-term insurance.

five

Construct an ecological circle of insurance+medical care+pension

In this mode, insurance companies often pay attention to medical investment, and give full play to the comprehensive advantages of insurance, medical care and service from both online and online perspectives, so as to build a service ecosystem and realize the closed-loop business of B2B2C, in which pension is an important part.

Figure: Ping An Health Care Service Chain

Ping An has created an "insurance+health care" ecosystem, striving to achieve an online+offline health ecosystem of "upstream health prevention, midstream economic compensation and downstream medical services", and provide customers with life-cycle health management and medical services.

Photo: Pacific Insurance "Insurance+Health+Pension" Ecosphere

Similarly, one of the important directions of CPIC Pension Transformation 2.0 is to build an "insurance+health+pension" ecosystem. Among them, "Pacific Insurance Blueprint" medical service, "Pacific Insurance Wonderful Health" health interaction plan and "CWI Health Examination Center" constitute the "insurance+health" ecosystem; Through its life insurance companies, pension investment companies, Yangtze River pension, and cooperation with Pacific Oubaoting and third-party service providers, it constitutes an "insurance+pension" ecosystem. These two ecological circles can cooperate with the main insurance industry and realize ecological integration.

Sunshine Life Insurance and Qianhai Life Insurance respectively invested in the establishment of Sunshine Fusion Hospital and Guangzhou General Hospital of Qianhai Life Insurance, believing that there will be a further layout in building a healthy ecosystem in the future.

six

Underwriting comprehensive liability insurance for pension institutions

The daily operation of old-age care institutions will face various risks, and building a sound risk prevention and control system has become an important part of the smooth operation of old-age care institutions. Especially for some large-scale old-age care institutions, asking professional insurance companies to design relevant risk protection products can effectively avoid losses and prevent accidents.

According to the Notice of Beijing Civil Affairs Bureau on Relevant Matters Concerning the Implementation of Comprehensive Liability Insurance for Aged Services (J.M.F.F. [2012] No.424), in September 2012, People’s Insurance Company, Ping ‘an Company and China Life Company became comprehensive liability insurance underwriting companies for aged services in Beijing through government bidding.

part3

The development course of insurance enterprises’ layout pension.

one

Review of the course of insurance enterprises building old-age community

2006-2012: Reference and Exploration Stage

Taikang, Hezhong, China Life Insurance and other insurance companies have visited the United States and Japan to inspect the operation experience of mature old-age communities and explore the construction and operation methods of old-age communities. In November 2009, Taikang Life Insurance took the lead in obtaining the permission of the China Insurance Regulatory Commission to obtain the pilot qualification of investing in the old-age community.

2012-2015: Initial stage of construction

The idea of insurance companies investing in the old-age community has become clear, and the old-age communities invested by insurance companies such as Taikang, Xinhua, Hezhong, Ping An and Taiping have been opened one after another.

In June 2012, the foundation stone was laid for "Taikang House-Yanyuan";

In June 2012, the foundation stone was laid for Xinhua Life Insurance "Xinhua Home" in Beijing;

In September 2012, the "Comprehensive Service Community for Health Care and Pension" invested by Ping An Life Insurance Company of China landed in Tongxiang, Zhejiang;

In October 2013, Hezhong Life Insurance established the first insurance pension community in China-"Wuhan Hezhong Younian Life Pension Community";

In October 2014, the foundation stone of "Wutong Family" of Taiping Life Insurance was laid in Shanghai …

2015-present: accelerate the layout stage

Insurance companies have accelerated the layout, more insurance companies have joined, and they have participated in the old-age care in different cities across the country in two ways: heavy assets and light assets.

By 2020, Taikang has laid out key provinces and cities in China, covering 22 cities in the core areas such as Beijing-Tianjin Wing, Yangtze River Delta, Guangdong-Hong Kong-Macao Greater Bay Area, Southwest China and Central China, among which 7 communities have opened, forming a chain operation trend in the east, west, north and south of the country;

China Life has the layout of Guoshou Jiayuan Yunjing (Beijing), Yijing (Tianjin), Lejing (Tianjin) and Yajing (Suzhou), and it also has two home-based retirement projects: Guoshou Kang Xin Community Yikang Home and Guoshou Fubao Community Yikang Home.

Taiping Life Insurance’s old-age community, Shanghai Taiping Wutong Family and Taiping Town Haitang Family, has now opened. In addition, Taiping cooperation projects include Shanghai Happy Home, Ningbo Xingjian Lanting, Dalian Yifang Yijinghui, Kunming Ancient Yunnan Famous City, and Beijing Contemporary Time;

The layout of China Pacific Insurance includes Chengdu International Support Community, Hangzhou International Support Community and Dali International Music Support Community. These three projects have all started, but they have not yet opened …

In addition, insurance companies such as Junkang Life Insurance, Tongfang Global Life Insurance, China Insurance, PICC Life Insurance and Guohua Life Insurance also began to provide for the elderly through investment or cooperation during this period.

2

The insurance companies formally laid out the time point for providing for the aged.

Judging from the time when the insurance companies formally laid out the old-age pension, most of the insurance companies that entered the old-age pension in the early days were large-scale insurance companies, and most of them laid out heavy assets. With the development of time, more and more small and medium-sized insurance companies are also involved in the cause of providing for the aged, and the old-age projects under construction have also changed from CCRC to apartments for the elderly to community home services. In addition, the way insurance companies participate in providing for the aged is more flexible and diverse.

part4

The echelon and location layout of insurance companies to develop old-age care

one

Layout of the four major insurance company echelons for the aged

Looking at the layout of these insurance companies, we can find that they have shown four echelons:

The first echelon is Taikang, Taibao and China Life, which have a clear style of play. Investing in the community for the aged with heavy assets has achieved remarkable results, insisting on the initial intention to continue the national layout, and attaching importance to the combination of medical care and rehabilitation nursing resources allocation.

The second echelon is Taiping and Hezhong. From the original intention to build their own old-age communities in many cities, they finally chose to change from heavy to light, and retreat to advance by means of equity cooperation and acquisition of nursing homes, which can not only reduce the "heavy", but also cut into the key areas of the old-age industrial chain and play an important role in the old-age market in the future.

The third echelon, represented by Xinhua and Ping ‘an, has long been laying out the old-age care and has certain strategic plans, but it is in a state of shallow taste and cautious wait-and-see for the development of old-age real estate.

The fourth echelon is represented by less well-known insurance companies such as Happiness Life Insurance, China Insurance, Love Life Insurance, Guohua Life Insurance, etc. Its mode of developing old-age care is extremely light, and it is innovating and exploring in a certain field. At present, it is mostly in the initial stage of old-age care.

2

The layout of insurance enterprises and the national and urban layout of providing for the aged

　

1. National layout

From the nationwide layout, Taikang Life Insurance, China Pacific Insurance, China Life Insurance and Hezhong Life Insurance are all based on the whole country, mainly CCRC.

Among them, Taikang Life Insurance has formed a nationwide chain layout, linking 22 cities, with the earliest and most perfect layout.

At present, the community under China Pacific Insurance is still in the process of preparation, which is firmly carried out in accordance with the layout of "East-West Progress, North-South Echo, National Layout and All-Age Chain", and has formed a trinity product system of "suburban support (middle-aged elderly people aged 70-79), living and enjoying (young elderly people aged 50-69) and urban support (over 80)".

China Life has implemented the "three points and one line, evergreen all the year round" pension industry layout, and some of its pension projects are still slowly advancing.

From the beginning, Union Life planned to deploy in second-tier cities nationwide, and finally contracted its strategy. At present, its main projects are located in Wuhan, Shenyang and Nanning, and some private nursing homes have been acquired in the Yangtze River Delta.

Different from the national layout of the above four insurance companies, Taiping Life Insurance has established itself in the Yangtze River Delta, and gradually cooperated with neighboring projects such as Ningbo and even the whole country, such as Dalian, Kunming and Shenzhen, from Shanghai to the whole country. Shouhou Everyone, New China Life Insurance and Sunshine Insurance occupy the layout of pension projects in Beijing. Qianhai Life Insurance started from Shenzhen, and will have strategies in Xi ‘an, Nanning, Chengdu and Hainan in the future.

Photo: Everyone’s insurance travel series

Considering the development of the residence market, cities such as Sanya, Dalian, Kunming and Hangzhou are also favored by insurance companies. Insurance companies such as Taikang, Taiping and Hezhong, which have laid out national pension projects, can develop their residence business with the help of pension projects laid out in cities across the country. There are also some insurance companies that have plans to lay out their travel business, such as the travel series products that everyone intends to develop.

2. Urban location layout

In terms of urban location layout, from June 2012, when the foundation stone was laid for Yanyuan, the first old-age care community in Taikang, Beijing, insurance institutions started to build large-scale high-quality old-age care communities in the suburbs, entered the urban areas, and successively laid out some high-quality old-age care institutions. At present, insurance companies such as China Life Insurance, China Pacific Insurance, New China Life Insurance, and Everyone Insurance have all set up pension institutions in urban areas, thus forming a "urban+suburban" product line with full coverage.

According to Litwak, an American scholar, proper service provision for the elderly needs to go through three stages: when the health of the elderly is good, it is most beneficial to live in a community with homogeneous age; When the elderly are disabled, it is most beneficial to live in an age-homogeneous community near their children’s residence; When the degree of disability of the elderly develops to the point where they need 24-hour care, living in a nursing home is the most beneficial.

In the early days, Taikang Insurance, China Life Insurance, China Pacific Insurance, New China Life Insurance, Taiping Life Insurance, China Ping An, Hezhong Life Insurance, Junkang Life Insurance and other large and medium-sized insurance institutions laid out large-scale pension communities in the suburbs as standard. Nowadays, more and more insurance institutions have laid out pension communities in urban areas, such as:

The scheme of "one city chain 1+1" designed by Taibao Jiayuan. That is, the younger elderly can live in the Dongtan Retirement Center of Taibao Home in Chongming for a short time; Middle-aged self-care elders can live in Dongtan Retirement Center for a long time; The elderly with disabilities can be referred to Putuo Kangyang Community through the internal passage of Taibao Home to receive professional care services combining medical care and nursing, and to facilitate relatives to visit nearby;

Everyone’s insurance officer announced the layout mode of "providing for the aged in the heart of the city". At present, there are three old-age care communities located in the urban area of Beijing. In the future, we will start with light assets and lay out high-quality old-age care communities in the core area of the city, which are close to medical care, children and fireworks. "Close to the top three hospitals" will be the primary consideration for the location of old-age care communities;

New China Life Insurance transformed the office building of Liuliqiao in Beijing West Third Ring Road into a high-end nursing home with rehabilitation hospital;

China Life piloted the "Yikang Home of China Life Fubao Community" in Shenzhen.

part5

Prospect of the future trend of insurance+pension

one

Stones from Other Mountains —— American Experience

Figure: Classification of old-age communities according to different service types.

According to the experience of the United States, according to the different clients, the community for the aged can be divided into six types: active elderly community (AAC), independent living community (IL), assisted living community (AL), professional nursing community (SNF), memory nursing community (MC) and continuous care community (CCRC). It can be seen that with the gradual decline of the self-care ability of the elderly, the types of services they need are more and more professional, and the requirements for the residential community are getting higher and higher, especially the ability of professional care and medical treatment.

Figure: American pension real estate operation mode

American pension real estate involves investors, developers and operators, who form a complete market-oriented system of financing, construction and operation. Among them, the project manager is separated from the holder. The mainstream investor is Real Estate Trust Fund (REITs), which is responsible for raising funds for the development and operation of the project. Developers are responsible for planning and developing pension real estate projects, and operators operate and manage well-developed projects.

Operators adopt two ways for the project. One is the net lease mode, in which REITs companies rent the property to operators, and the operators charge a fixed rental fee every year, and the operators bear the direct operating expenses, community maintenance fees, taxes, insurance fees, etc. The second is the entrusted management mode, in which REITs entrusts its properties to operators, and the operating costs and income are attributed to REITs.

In addition to REITs model, American pension communities can be divided into two different types according to the developer-led or operator-led: one is the developer-led Sun City model, which is aimed at active health of the elderly aged 55-70 and led by real estate developers, and can recover investment and generate profits through the sale of pension concept houses; The second is the CCRC model led by operators, which takes the form of renting to serve three types of elderly people: self-care, intermediary assistance and intermediary care, and only provides real estate lease rights and service enjoyment rights.

Excerpt from "2020 Senior Housing Outlook Report"

According to the "2020 Senior Housing Outlook Report" published by SHN, in 2020, Private equity, public REITs(Private REITs, Institional institutions, etc. are all buyers of housing for the elderly.

At the same time, the financing sources of American housing for the elderly have expanded, and both Private equity and Bank/Finance company have played a great role in the financing of housing for the elderly.

2

Five Future Trends of Insurance Companies’ Pension Development

Compared with the experience of American pension housing, it is found that the development, investment and operation of China’s pension market are still not very mature. In the past few years, the entry of some large insurance companies and real estate companies has promoted the rapid development of the pension market, but various market participants have not formed a clear division of roles, and many enterprises are integrating investment, development and operation. Until these years, this situation has changed, and there have been more cases of division of labor and cooperation based on their respective professional fields.

Photo: Taiping Life Insurance official website-Taiping Enjoy Home

For example, Taiping Life Insurance has only built Shanghai Wutong Family and the newly opened Sanya Begonia Family. The rest of the projects, such as Shanghai Happy Home, Ningbo Xingjian Lanting, Dalian Yijinghui, Kunming Ancient Yunnan Famous City, Beijing Contemporary Time Li, Suzhou Hecheng and Hangzhou Langhe International Medical Center, are all strategic cooperation projects.

In 2017, Taiping Life joined hands with a third-party organization to launch Taiping Life’s community brand-Taiping Lexiangjia. According to the plan, in the future, at least 16 cities across the country will match the resources of Taiping Lexiang Family Pension Community. Under the unified brand management, all communities in Taiping Lexiangjia carry out standardized management and formulate reasonable and consistent marketing, check-in and check-out procedures. At the same time, the community can also jointly carry out residence business.

In addition, the designated cooperative units of Taiping Life Insurance’s pension service experience include: Yuenianhua Support Center (Shenzhen), Runhua Songhe Support Center (Shenzhen) and Zangmashan Support Community (Qingdao). This mode of cooperation can further make up for the shortcomings of insurance companies in the urban distribution, scale, type and location of pension projects, and provide customers with more choices.

Take China Life as an example. At present, China Life’s community project for the aged is progressing relatively slowly, but it has made some efforts in the field of community home. On December 29th, 2020, the first comprehensive community service center for the aged in Yantian District, which was jointly established by Yantian District Government and China Life Insurance, officially opened. So far, China Life’s community home-based care projects have included: Yikang Home in Fubao Community, Yikang Home in Kang Xin Community, Yuexiang Center in Yantian District, and Youxiangjia Health Care Center in Luohu District under construction.

In addition, Bohai Life Insurance, Tianjin Daji Development Co., Ltd. and Beijing Yangzheng Investment signed a strategic cooperation on the "Home-based Care for the Aged" project in China Jihai Shipping City, Tianjin.

According to the development of the old-age community over the years, zhang yi, vice president of Junkang Life Insurance and general manager of the Health Industry Division, summed up these stages:

Among them, in the "1.0" stage, the property of real estate is stronger, and the procedure is usually in the form of property rights sales of real estate developers and basic old-age services provided by third parties;

The "2.0" stage is a relatively mainstream format with the concept of CCRC in the current market, that is, providing relatively standardized high-quality catering, medical care, care and entertainment services for the elderly in large communities;

In the future "3.0" stage, it will become a trend to realize customization and meet individual needs through science and technology. Specifically, through data mining and intelligent analysis, we can build intelligent systems including smart home, face recognition, mobile housekeeper, vital signs detection, cloud health detection, telemedicine, etc., and provide high-quality and personalized health services and living environment for the elderly through big data analysis.

Figure: Maimai Smart Pension Solution

Therefore, in the future, smart devices and technology will empower the elderly on a larger scale, and insurance companies should also be prepared for this.

On the other hand, insurance companies can also introduce some innovative practices from the main business of insurance, and provide feasible reference ideas for the innovative development of insurance and finance.

Zhu Junsheng, a researcher at the China Insurance and Pension Research Center of Tsinghua University Wudaokou Finance College, said in an interview: "With the increase of the aging population, people’s attention to risks is increasingly shifting from the risk of death to the risk of survival, and more and more attention is paid to old-age care and health … Commercial health insurance and old-age insurance can play a greater role in multi-level medical care and old-age security system."

Figure: Health insurance

As early as 2018, Ping An Insurance launched the first flagship product for the elderly group in its official APP Ping An Health: Ping An I Kangbao Geriatric Care (three-high version), which guarantees "accidental hospitalization+cancer hospitalization" and the insurance age is open to 70 years old, covering the three-high population of "hypertension, hyperlipidemia and hyperglycemia". And such insurance products for the elderly will be more and more.

All the above cases indicate that in the process of developing old-age care, insurance companies have formed five development trends:

1. Pay more and more attention to the direction of light assets, community home and inclusive old-age care, and be more rational and diversified in the layout of old-age care. And more and more emerging insurance companies can also intervene in the cause of providing for the aged in the form of light asset cooperation.

2. Considering the overall situation of home care and community care market, "light assets+heavy services+insurance products" may become a breakthrough point for insurance companies to realize profits in the field of pension real estate. Leaving aside the construction of large-scale old-age communities, insurance companies have a lot of room for innovation in traditional life insurance, long-term care insurance and personal commercial old-age insurance products. If they are matched with community home-based old-age care services, they can further expand the market.

3. With the country giving more support and encouragement policies to the financial innovation of insurance, in the future, insurance participation in pension can amplify the financial attributes of insurance, carry out financial innovation for C-end, and design insurance+pension products with the idea of "combining consumer insurance with savings insurance".

4. Smart devices and technology will empower the elderly on a larger scale. Insurance companies should increase investment in science and technology, break through the "fence" of communities and nursing homes, and provide accurate and thoughtful services for more elderly people with pension needs.

5. Union Life has started to deploy overseas in the industry, and I believe that more insurance companies will participate in it in the future. Foreign pension enterprises are more mature and have a lot of high-quality and cheap assets, which are worth investing by China insurance companies. Moreover, with the hot development of residence, including foreign travel routes will be more popular with customers.

part6

Insurance+Pension: Pension Layout of 12 Insurance Companies

After combing the history of insurance companies’ pension development, AgeLifePro also counted 12 insurance companies with pension projects, and their corresponding pension brands and strategic plans:

one

Taikang Life Insurance Co.,Ltd.

Pension business product line

1. The product plan of the happiness contract endowment insurance;

2. Taikang House (CCRC).

Asset type

1. Emphasis on asset layout, self-built and self-operated, with a total investment of more than 20 billion yuan;

2. It has the first-Mover advantage, the firmest strategy, the closest pace, the largest investment and the largest number of policies sold.

profit model

Insurance+asset management+operation.

Pension project

Figure: Taikang’s national layout

List of Taikang Community (with ★ indicating that the community has opened)

Charging mode

1. Happiness has an old-age insurance plan, and you can stay in the old-age community after paying a premium of 2 million yuan;

2. Insurance (premium over 2 million)+deposit (200,000 entry fee +120/180/360 Le Tai card)+monthly fee mode.

medical service

1. Self-built hospitals: equipped with secondary rehabilitation hospitals, of which the rehabilitation hospitals in Yanyuan, Shenyuan, chu garden, Yueyuan, Shuyuan and Wuyuan have been put into operation, and the hospitals in Beijing, Shanghai, Guangzhou and Chengdu have been included in the designated medical institutions for medical insurance, and they can enjoy medical insurance reimbursement for medical treatment;

2. Medical resources: build an international standard tertiary general hospital, Taikang (Nanjing) Xianlin Gulou Hospital, Taikang Tongji (Wuhan) Hospital, Taikang Southwest Medical Center (to be established), Taikang Shenzhen Qianhai International Hospital (to be established), Taikang Ningbo Hospital (to be established) and Taikang Baibo Dental;

3. Cooperate with many well-known domestic 3A hospitals to realize two-way referral, green channel, telemedicine and expert consultation services.

2

China Life Insurance

Pension business product line

1. Community for the Aged (CCRC);

2. Community home-based care for the aged;

3. Living.

Asset type

By the end of 2017, the investment scale in the health and old-age care industry was nearly 25 billion yuan, with emphasis on asset layout and self-construction, which was steady and steady.

profit model

Great asset management, great health and great old-age care.

Pension project

Photo: Guoshou Jiayuan

List of China Life Pension Projects (with ★ indicating that the community has opened)

Charging mode

1. The mode of "deposit (100,000 yuan)+Jiayuan card (90/150/1.8 million yuan)+monthly fee" is adopted for the pricing of self-care area;

2. The nursing area adopts the model of "deposit+monthly fee".

medical service

In addition to providing medical resources in the community and providing 24-hour medical security, it also cooperates with nearby 3A hospitals to open green channels.

three

Taiping life insurance

Pension business product line

1. Taiping Life Insurance Personal Tax Extension Pension Insurance (2018);

2. Community for the Aged (CCRC).

Asset type

1. Shanghai Wutong family invested nearly 4 billion yuan, self-built and self-operated;

2. We are accelerating cooperation with other pension institutions and integrating resources extensively.

profit model

Create a closed-loop service in the whole life cycle from health management and pension industry, and form an industrial ecological chain of "insurance+health+medical care".

Pension project

Figure: Layout of Taiping Life Insurance Pension Project

Taiping Happy Family Pension Project includes: Shanghai Wutong Family, Shanghai Happy Home, Ningbo Xingjian Lanting, Dalian Yijinghui, Kunming Ancient Yunnan Famous City, Beijing Contemporary Time Li, Suzhou Hecheng, Sanya Haitang Family and Hangzhou Langhe International Medical Center, all of which have been opened.

Most of these pension projects are cooperative projects. Only the Shanghai Wutong Family Project is self-built and self-operated. The project covers a total area of 280 mu, with more than 1,500 healthy and energetic apartments for the elderly and nearly 900 beds for rehabilitation and nursing, which can serve about 3,500 elderly people by then.

The designated cooperative units of Taiping Life Insurance’s pension service experience include: Yuenianhua Support Center (Shenzhen), Runhua Songhe Support Center (Shenzhen) and Zangmashan Support Community (Qingdao).

The Wenjiang project in Chengdu is about to land, and projects in Zhuhai and Nanning are also being actively promoted.

Charging mode

1. Purchase insurance products linked to the Wutong family community, and you will be eligible for occupancy if the premium is more than 2 million yuan; Directly purchase the community membership of Wutong family, and pay monthly after check-in;

2. Deposit+monthly fee.

Number of existing beds

Shanghai Wutong family has 288 beds.

medical service

1. Shanghai Taiping Rehabilitation Hospital has been completed;

2. The Wutong family is close to Zhangjiang Science City, which is a new comprehensive medical park integrating "medicine, teaching, research and production" and is rich in surrounding medical resources;

3. Cooperate with hospitals around the community to get through the green channel.

four

China Pacific insurance

Photo: layout of old-age care in Taibao home

Pension business product line

The trinity product system of "supporting the elderly in suburban areas (middle-aged people aged 70-79), living and enjoying (young people aged 50-69) and urban health care (over 80 years old)".

Asset type

1. Pay attention to the investment in assets, give full play to the advantages of backwardness, have a clear strategy and a clear style of play;

In 2.3-5 years, the initial investment will be 10 billion yuan, and 8,000-10,000 sets of high-end pension apartments will be expanded, with 10,000-12,000 beds.

profit model

Comprehensive solution of "insurance products+community for the aged+professional services".

Pension project

medical service

Docking local medical resources and cooperating with surrounding hospitals.

five

Everyone insurance

Pension business product line

1. Community for the Aged (CCRC);

2. Community embedded nursing station.

Asset type

Give priority to light assets.

profit model

1. Create the mode of "providing for the aged in the city" and explore the mode of "nursing station" embedded in the community;

2. Relying on the unique overseas pension license of Everyone Insurance Group, we will lay out our capabilities around four aspects: "operation, nursing, medical care and informatization" and integrate and export pension operation services and brands.

Pension project

Figure: The first thick pension project for everyone

1. The building area of Shouhou Dajia Chaoyang Community is 40,000m, with 230 beds;

2. Shouhou Friendship Community has 545 beds;

3. Fuwai Community for the Aged and the first embedded nursing station in the community are under construction, which can provide more than 1,500 beds.

Charging mode

1. The membership mode is between 1.9 million and 2.6 million;

2. The monthly fee is 15,000-22,000 yuan/month.

medical service

Create a graded diagnosis and treatment service system, including four-tier service settings: medical institutions in the community, remote consultation of Internet hospital experts and remote distribution of drugs, nearest service of 3A hospitals, high-end physical examination and overseas diagnosis and treatment.

six

Union life insurance

Pension business product line

1. Community for the Aged (CCRC, AAC);

2. Physical old-age security plan-buy union insurance and live in an old-age community;

3. Living and supporting the elderly.

　

Asset type

1. Build a community for the aged with heavy assets and invest 26.8 billion yuan to build projects in Wuhan, Hefei and Shenyang;

2. Investing in light assets to acquire pension communities at home and abroad.

profit model

Invest, run the community, and cooperate with the third party to carry out living and providing for the aged.

Pension project

Figure: Hezhong Pension Health Industry Layout (taken in 2015)

1. Hezhong Younian Life Wuhan Community is the first pension community invested and operated by an insurance company in China, with a construction area of 1.6 million m, 600 CCRC beds and about 1,000 AAC (Active Elderly Community) units, which can accommodate 3,000 people;

2. Hezhong Younian life Nanning community can accommodate 2000 people;

3. Hezhong Younian Life Shenyang Community can accommodate 559 people;

4. Invest and acquire 56 pension communities at home and abroad.

Charging mode

1. Policy+physical endowment insurance plan, you can stay in the old-age community by paying 500,000-750,000 yuan;

2. Deposit+monthly fee mode;

3. You can enjoy the service of living and providing for the aged by purchasing the old card for excellent years.

medical service

Construction of medical rehabilitation centers, medical and health service centers, and docking with local medical resources.

seven

Qianhai life insurance

Pension business product line

1. Establish a happy home for the elderly;

2. Combination of medical care and nursing: set up a medical and health management center, link high-quality domestic medical and nursing resources, operate a medical and nursing combination project, and form a national medical and nursing network;

3. Carry out old-age care services for migratory birds.

Asset type

The hospitals and nursing homes under Qianhai Life Insurance are self-built and self-operated, creating a precedent for the insurance industry.

profit model

Establish a service system of "insurance+pension+medical care" to link medical care services with insurance business.

Pension project

Photo: Qianhai Life Insurance Shenzhen Happy Home

1. Shenzhen Happy Home Nursing Home is a pension project fully invested and operated by Qianhai Life Insurance Co., Ltd., covering an area of 10,860m2, with a total construction area of 33,400m2 and more than 500 planned nursing beds;

2. Plan to invest in the construction of many hospitals, outpatient departments and comprehensive pension apartments in Guangzhou, Nanning, Xi ‘an and Shaoguan.

Charging mode

1. Buy insurance to stay in the community;

2. Deposit+monthly fee mode.

medical service

1. There is a health management center in the nursing home of Happy Home, equipped with a professional health management team;

2. Established the Guangzhou General Physician of Qianhai Life Insurance, and will also build a medical cooperation station with Baoan District People’s Hospital to jointly build a comprehensive diagnosis demonstration model for senile diseases and build a family bed demonstration base;

3. Cooperate with Shenzhen Hospital of Southern Medical University and other hospitals to open a green medical channel.

eight

Junkang China life

Pension business product line

Four product lines with Kangyang Community, Kangyang Hotel, Kangyang Center and Health Resort as the core have been constructed.

Asset type

Combining light and heavy, it is estimated that the total investment will be more than 7 billion, and the company will hold and operate for a long time after the community is completed.

　

profit model

Integrating insurance products, community pension, medical care and health management services, the insurance products focusing on old-age care supporting Junkang Nianhua Kangyang Community are composed of Junkang Happiness Annuity Insurance (dividend-sharing type) and Junkang Premium Account Annuity Insurance (universal type).

Pension project

Photo: Junkang Nianhua Pension Community

There are Junkang Beijing Nianhua shunyi new town Kangyang Community and Junkang Nianhua Shanghai Minhang Pujin Kangyang Community. More than 2,500 living units are planned and constructed, which will be held and operated by the company for a long time after completion.

Charging mode

Customers who purchase the "Junkang Happiness Lifelong Pension Plan" with a premium of 2 million will enjoy the guaranteed right to stay in Junkang Nianhua Kangyang Community and enjoy the preferential price policy for staying in the community in the future.

medical service

Cooperate with neighboring hospitals.

nine

Sunshine insurance

Pension business product line

1. Take home care and pension operation services as the main body, and build a "four-in-one" pension model of "home, community, institution" and Internet;

2. Establish Sunshine Yikang Pension Service Co., Ltd. and Beijing Yihe Tianxiang Pension Service Co., Ltd..

Asset type

Light assets.

Pension project

Photo: Sunshine Family Guangzhou Kangyang Community, which was put into operation on December 24, 2020.

1. Sunshine Yikang Pension Service Co., Ltd. has jurisdiction over Yikang Home Tiantongyuan Store, Sunshine Jishan Maintenance Center and Xinhu Sunshine Retirement Center (public and private);

2. Beijing Yihe Tianxiang Pension Service Co., Ltd. has established three parent care institutions in Beijing, Dashilan Pension Care Center, Sunshine Li Elderly Care Home and Sunshine Family (Guangzhou).

Charging mode

Deposit+monthly fee mode.

medical service

Medical care stations are set up in the hospital of the institution to connect with local medical resources.

10

Xinhua insurance

Pension business product line

After four years, three typical projects have formed a multi-product pension industry layout that combines suburbs and echoes the north and south, covering three product lines: rehabilitation care, continuous care and old-age health care.

Asset type

Heavy asset investment.

Pension project

Photo: Xinhua Home Community

1. Beijing Lianhuachi nursing apartment with 206 rooms and 360 beds;

2. Hainan Boao Leisure and Holiday Pension Community, with about 1,000 rooms in the first phase;

3. An active community for the aged (to be established) in Yanqing District of Beijing, with 1,800 rooms and 3,200 beds planned.

Charging mode

Charge mode of bed fee+nursing service fee.

medical service

1. Establish Xinhua Zhuoyue Health Investment Management Co., Ltd.;

2. Self-built rehabilitation hospitals and institutions have medical offices;

3. Cooperate with neighboring hospitals to open up green channels.

11

Picc life insurance

Pension business product line

CCRC。

Pension project

Photo: People’s Health Care Dalian Yiyuan Pension Community

The first community for the aged-People’s Insurance and Health Care Dalian Yiyuan Community for the Aged and Health Care can provide about 1,100 old-age care/health care units, and 323 old-age care units in the first old-age care area have been officially put into operation.

Charging mode

"Insurance policy+check-in confirmation letter" mode, with priority for paying 450,000 yuan.

medical service

Actively explore the business model of "combining medical care with community+online doctor signing+hospital strategic cooperation", and provide the "combining medical care with nursing care" health care service for the elderly with disease treatment, disease-free prevention and rehabilitation after illness.

twelve

Tongfang Global Life

Photo: Tongfang Global Life joined hands with Tsinghua University Institute of Economics and Management.

Release the survey report of China residents’ retirement preparation index.

Pension business product line

1. Pension apartments, CCRC, and cooperative construction of nursing homes;

2. Cooperate with Tiandi Health City to launch a "self-satisfaction club" medical care solution and create a "pension+medical care+insurance" model.

Asset type

We will introduce a new model of providing for the elderly that integrates "medical care, support and insurance" and "light assets".

Pension project

1. Tongfang Global Life Retirement Paradise project based on pension apartment solution has been completed in Qingdao;

2. Tongfang Global Life Pension Community (CCRC) project will be listed in the near future;

3. Join hands with Hunhe Ruiyi ‘an Nursing Home in Xiangyang, Hubei Province, benchmark the international level, and lock the target customers into those who need immediate care, so as to prepare for the introduction of disability insurance and long-term care insurance;

4. Cooperate with Tiandi Health City (CCRC) to launch the "Self-satisfied Club" medical care solution.

Charging mode

The "Self-satisfied Club" medical care service solution is in cooperation with Shanghai Tiandi Health City, which is of the same origin. Customers can enjoy the exclusive right to use the old-age service apartment after purchasing the designated products of Tongfang Global Life and paying the membership fee.

medical service

Carry out strategic cooperation with Nanjing Tongren Hospital and strengthen the in-depth cooperation between commercial insurance and medical institutions.

part7

Various ways for insurance companies to develop old-age care

1, with the help of the group’s internal resources to build a community for the aged.

This model appeared in the early stage of the exploration of pension real estate. Some large-scale insurance parent groups have diversified business formats, and there are professional real estate companies under them. They often use the internal resources of the group to set up projects for elderly housing, and the successful projects can be sold to the market. In fact, the selling community model is no different from real estate development, which can quickly recover funds and obtain development profits, thus realizing rolling development. However, under this model, it is difficult to guarantee the community’s old-age service.

The "Comprehensive Service Community for Health Care and Pension" built by Ping An Insurance in the early days was developed and constructed in conjunction with China Ping An Real Estate Group, which integrated three product lines: pension apartment, family community and holiday leisure, with a total construction area of 1.5 million square meters.

The project adopts the mode of "both renting and selling", that is, like commercial real estate, property rights can be bought and sold. Member products are operated by Ping An Real Estate, which only rents and does not sell. At that time, this model was the only pension real estate developed in the form of "selling+holding operation" in the financial department.

Figure: Health Valley Member Service System

Evergrande Real Estate, the parent group of Evergrande Life Insurance, has built the Evergrande Health Valley, creating four parks, namely, Yiyang, Changle, Kangyi and Parent-child, providing 852 types of facilities and 867 comprehensive health management services, covering the whole life cycle from pre-pregnancy, infants to centenarians.

At present, the completed Evergrande Health Valley has been sold to the market. It is understood that Evergrande Health Valley will provide health care and old-age care services to customers through the membership mechanism of "rent, purchase and travel". Customers can become members by renting, buying products in Health Valley or traveling and living in Health Valley, and get membership rights such as health insurance, high-end medical care, health management and health care services.　

Evergrande Life put forward the strategic model of "insurance guarantee+ecological pension+combination of medical care and nursing care", and issued the permanent endowment insurance, which creatively combined insurance products with the old-age community to provide customers with a package of pension plans linking financial planning and pension entity services.

Photo: Everbright Peace of Mind Pension Plan

Everbright Life Insurance launched the "Everbright Peace of Mind Pension Plan", which connects insurance products with Everbright Huichen Pension Service Community to provide customers with a package of pension solutions of "insurance+pension community" and realize the combination of financial products and physical pension. "Everbright Peace of Mind Pension Plan" is divided into two sub-plans:

Plan A serves mid-to-high-end customers through "insurance+long-term care for the aged+preferential service for the aged living in residence", and locks in the occupancy right of Everbright Community in advance for customers. The occupancy right is further divided into "guaranteed occupancy right, priority occupancy right, preferential price right, experience occupancy right", etc., to provide customers with more and clearer protection, with up to six rights holders, including not only customers and their spouses, but also parents of both parties. In addition, the right holder can also enjoy the service of living and providing for the aged at preferential prices all over the country from the date of insurance;

The content of plan B is "insurance+preferential right of living service", with low payment threshold and wider coverage. Six rights holders can enjoy the same level of living service in plan A in advance without staying in the old-age community.

In 2019, Xingbao launched "Star Pension"-a comprehensive solution of pension insurance and pension community. Relying on Fosun Real Estate’s Healthy Honeycomb Platform, the two parties jointly create an exclusive pension community scheme for Fosun Prudential Life Insurance customers-customers can reserve pension annuity by purchasing corresponding insurance products of Fosun Prudential, and Fosun Real Estate promises the rights and interests of customers to stay in the "Fosun Pension Community" in the future. It is reported that if the total premium is more than 2 million, the insured can get the qualification to live in an old-age community.

China Merchants Guanyi Home launched the "Renhe Yijia Comprehensive Pension Plan", with the development strategy of "the same platform, giving equal attention to both light and heavy, and combining medical care with nursing care". China Merchants Renhe Life Insurance focuses on the whole industrial chain of pension insurance products, pension community development and pension community operation services.

Specifically, the pension community in Guangzhou Golden Valley (Renhe Yijia Heyuan) is only open to customers who buy insurance. Only by purchasing more than ten designated insurance products, including "China Merchants Renhe Zhaoying Jinsheng Annuity Insurance" and "China Merchants Renhe Heyue Life whole life insurance", and the accumulated premium payable reaches more than 2 million, can they be eligible to apply for the pension community.

2. Innovative gameplay of insurance+pension

Figure: UC club membership rights

China Insurance launched the UC Club of New Life, and launched membership service for the junior and old people. Members who join the club can enjoy services such as learning, medical care, traveling, doing something and having fun. It is also known that United Life also has plans to form a new senior club.

Guohua Life Insurance has established three companies on medical health and old-age care: Hainan Guohua Kangyang Co., Ltd., Gongqingcheng Zhongke Xukang Medical Industry Investment Partnership, and Guohua Residence Kangyang Co., Ltd. At present, the company’s work in medical care, old-age care and other aspects is in the preparatory stage, and there is no more definite information to disclose.

Love Life put forward the four-in-one ecological strategy of "medical care and insurance" for the aged. In 2020, China International Fair for Trade in Services released the first "insurance+service" home-based care product in the industry-"Love+Home-based Care Product Plan", which provides home-based care solutions for the elderly with the combination of "annuity protection+medical care service".

In addition, Love Life is also a pilot agency for long-term care insurance in Beijing, and has set up a special team with rich experience in care management services, and has become one of the eight financial institutions selected by China Banking and Insurance Regulatory Commission Financial Support Community Home Care Service Agency Project.

Happy Life, supported by the national policy, launched the reverse mortgage pension insurance product "Happy House Laibao reverse mortgage pension insurance for the elderly (Clause A)", and invested in regional leading pension institutions all over the country through the special equity investment fund for medical pension.

Zhonghong Life Insurance cooperates with Greenland Kangyang to create a cross-border innovative cooperation model of "insurance products+high-end pension community+Kangyang hotel", organically combining insurance financial products with physical pension services to provide customers with more comprehensive pension solutions. This indicates that Zhonghong Insurance has made important progress in building a "health+pension" dual-engine strategic layout.

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Insurance and old-age care both start from the whole life cycle of people, and they are strongly related. Looking at overseas, insurance companies have always been an important pillar of the development of old-age care. The social security and market profitability of providing for the aged coincide with the original meaning of the insurance industry.

On the level of social security, the overall security level of the three-pillar pension system in China is relatively low, with the first pillar dominating, but there are also problems of low security level. Therefore, the participation of commercial insurance can improve the level of social security to a certain extent.

As far as market profitability is concerned, with the improvement of the living standards of the elderly and the enhancement of their ability to pay, the demand of the elderly for commercial insurance products is increasingly prominent, and the inclusiveness of products and services with various asset properties is also increasing. There will be great market space for commercial insurance companies to cut in from this aspect and participate in pension real estate, insurance products and pension services.

In recent years, after the previous heavy lifting asset layout, insurance companies are slowly returning to rationality and becoming more and more clear about their own positioning-"insurance surname". They should form differentiated competition through providing for the aged, innovate services, give full play to the advantages of insurance+and build a big healthy ecosystem.

At the moment when long-term insurance is ready to come out and commercial insurance can play more roles, we believe that all insurance companies will participate in the pension industry in their own ways in the future, which makes us more full of expectations for this industry.

-END-

The content of the article comes from public information collation and AgeLifePro research results. If there is any error, please contact customer service. Thank you.

　　"Drivers who feel that they are experienced and skilled, so they despise traffic rules, are the most prone to accidents." Even young people should improve their awareness of prevention.

　　Can the QR code of street strangers be scanned? Should I believe the winning text message with a link? What should I do if the staff who claimed to be a public security law asked for the bank card number and password?

　　Network security is around you and me, but there are many risks hidden behind these things that you and I may encounter in daily life. In the Internet age, network security is closely related to everyone. Some experts in the industry pointed out that if everyone can develop good security habits, the network security situation will also be greatly improved.

　　As one of the important activities of this year’s National Cyber Security Publicity Week, various streets, communities and business districts in Shanghai have launched the activities of "Cyber Security Entering Communities and Business Districts" to publicize the knowledge of cyber security to residents in various forms and raise their awareness of prevention.

　　They refused to pay quickly because of fear.

　　For a long time, the elderly are the favorite targets of fraudsters, because most of them "don’t know new technology" and "can’t help but be scared". In June this year, Yangpu Public Security Bureau cracked a telecom fraud case. Although the details of the case were disclosed, many netizens said that it was really an old-fashioned case without any "technical content", but the victim Tai Laobo was defrauded of more than 1.7 million yuan.

　　According to the police investigating the case, the reason why Tai Laobo was fooled was that on the one hand, the police officer who claimed to be "Guangzhou Zengcheng Public Security Bureau" made the honest Tai Laobo feel nervous; On the other hand, it is because Mr. Tai is not familiar with the transfer process of electronic banking, and he transferred the money to the liar without knowing it.

　　It turned out that Tai Laobo only opened online banking under the "guidance" of the swindler. After returning home, he logged into the designated webpage and filled in his bank account, password and other information according to the so-called "asset inventory requirements" of the other party. Mr. Tai inserted the U shield into the computer case as required, turned off the monitor, picked up the cipher and pressed the "OK" key. The website he logged in is actually a remote control software. The U shield and password device were originally the "double insurance" of online banking, but the scammer asked him to insert the U ton and transfer money, and then asked him to press the "OK" button when he needed to confirm. The "double insurance" failed to work.

　　"We are old, and now there are so many new technologies, what can we do if we don’t learn?" This morning, the words of Aunt Wang, a 67-year-old from Jiabei Community, resonated with many elderly people at the scene. In the eyes of many elderly people, fraud means still stays in telephone fraud, but with the popularity of fast payment, the methods of scammers have now become "increasingly sophisticated".

　　Residents of Yichuan Road Street have asked questions to telecom workers.　　

　　For fear of being cheated, many old people went to the other extreme and said "no" to all quick payments. Aunt Xu of Yichuan Road Street said that there is no other means of payment except the WeChat red envelope of up to 200 yuan in her mobile phone. Aunt Jin never used her mobile phone to pay and never dared to scan the QR code.

　　"Look at this QR code, even if it is posted at the door of the community cultural activity center, I dare not scan it. Who knows that what is scanned is not credible, is it put by a liar?" Aunt Jin pointed to the QR code on the side and said.

　　Multi-departments go into the community to answer residents’ questions

　　But even if it is as cautious as Aunt Jin, it seems inevitable that the trend of online shopping and mobile payment is now. "I went to the hospital two days ago to get medicine. When I saw some people scanning with their mobile phones, it was much faster to register and get medicine than to stand in line there." Aunt Jin told reporters that she planned to let her son teach herself after going back. "The most important thing is to know which QR codes can be scanned and which ones can’t."

　　"This is the reason why cyber security propaganda should enter the community." Luo Xin, a policeman from the Netan detachment of Jiading Public Security Bureau, said that most of the people who consulted him this morning were elderly people, most of whom were concerned about the security of online payment and personal information.

　　Luo Xin, a policeman from Netan Detachment of Jiading Public Security Bureau, is patiently answering questions for residents.　　

　　In order to help community residents improve their knowledge of network security, telecommunications, banking, public security and other relevant departments went into the community to answer residents’ questions face to face. At the same time, two booklets, "Pay attention to information security and enjoy smart life" and "Handbook of Financial Network Security Knowledge", were distributed to residents on the spot, with pictures and texts, which vividly answered the knowledge of how to identify fraudulent short messages and prevent counterfeit websites.

　　"Propaganda should also talk about strategy. The effect of special professional knowledge entering the community may not be good, but some wonderful stories are more popular with everyone." According to the relevant person in charge of the Municipal Network Information Office, during this year’s "Cyber Security into Communities and Business Circle" activities, various communities have carried out various publicity activities in light of their own realities.

　　This morning, Jiabei Community invited Huang Zhenliang, the story king of China, to walk into the community and tell a story about network security. Students from Tongchuan Primary School in Putuo District came to Yichuan Road Street Community Cultural Activity Center and performed a lively sitcom "Small Equipment, Great Security" to spread to the audience how to protect themselves in the online world.

　　Young people will also be deceived.

　　"We all think that the elderly are easy to be fooled. They are young people, Internet aborigines, and scammers can’t cheat, right?"

　　This afternoon, in Xujiahui hang lung plaza, the publicity activity of network security entering the business circle attracted many young people passing by. The policeman from the Netan detachment of Xuhui Public Security Bureau said, "This is like driving. Drivers who feel that they are experienced and skilled, so they despise traffic rules, are most prone to accidents."

　　On the night of August 28th this year in Chinese Valentine’s Day, a young woman, Liu, who lives alone, suffered a phone fraud. After the police monitored and reminded her through the anti-fraud center, she lied that she was on the phone with her "boyfriend" according to the liar’s instructions. Finally, the police and neighborhood cadres had to find a locksmith to open the door and take him to the police station. After some hard persuasion, Liu finally realized that he had encountered telephone fraud.

　　"In fact, the current means of fraud can’t be prevented. For example, before criminals posted the QR code of fraud on the QR code of bike-sharing, you might be fooled when you scan the code." The police said that even young people need to improve their safety knowledge and awareness of prevention.　　

　　At the scene, Xuhui Public Security Bureau also organized a question-and-answer activity on cyber security knowledge, and those who answered correctly could get a small gift. "Don’t think these questions are simple. Do you know which is the first incident in the world that paralyzed physical nuclear facilities through cyber attacks? Do you know the difference between Https protocol and Http protocol? "

　　Editor-in-Chief: Wang Xianle Photo Editor: Su Wei

Recently, in an interview, Bao Beier, a powerful actor, responded with a humorous and frank attitude to the questions about the poor quality of his works. A "yes, there is no other play for me, what to shoot. I am very satisfied to have the opportunity to film. Will I still be picky? " It not only made the audience laugh, but also caused extensive discussions on the Internet. # Bao Beier #

In the colorful entertainment circle, every artist is fighting for his dream and life. Some people became a hit with a masterpiece, while others were controversial because of several works with poor evaluation in succession. Bao Beier is a typical example of the latter. However, his words let us see a different star image-true, humble and full of gratitude.

The reason behind the phenomenon

First of all, we need to understand that in the highly competitive entertainment industry, the choice of actors is often limited. For most artists, it is lucky to get the script and have the opportunity to show their acting skills in front of the camera. Bao Beier knew this, so he chose to treat every performance opportunity with peace of mind and cherish every performance.

This attitude not only reflects his love for his career, but also reflects the reality of the entertainment circle. In this big dye vat, actors often have to face all kinds of temptations and challenges, and it is particularly precious to be able to keep their initial heart and stick to their beliefs and principles. Bao Beier’s answer inspired netizens to think deeply: In the process of chasing box office and fame, how should actors grasp the quality of their works and how to balance the balance between business and art?

The collision of views of public opinion

For Bao Beier’s remarks, public opinion presents two completely different views. On the one hand, supporters think that Bao Beier’s attitude is very pragmatic. After all, in the current market environment, not every actor has the opportunity to choose roles. They believe that Bao Beier can make continuous efforts to improve his acting skills in limited opportunities, and this spirit is worthy of recognition.

On the other hand, critics believe that actors should be responsible for their own works, and should not ignore the quality of their works in order to make money. They are worried that if actors blindly accept any script, it may lead to a decline in the level of the whole industry and ultimately harm the interests of the audience.

Deep thinking and constructive suggestions

In fact, these two views are not completely opposite. As an actor, you really need to find a balance between business and art. While pursuing personal development, we should also consider the social impact of the work. Bao Beier’s experience tells us that even in difficult circumstances, we should not give up the pursuit of high-quality works.

At the same time, we also hope that the whole entertainment circle can pay more attention to the quality and connotation of the works and offer more artistic masterpieces with depth and temperature to the audience. In this era of rapid consumption, the works that really touch the heart are the most precious.

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Looking forward to the future, we expect Bao Beier to keep this humble and diligent attitude, dare to challenge himself and bring more wonderful works to the audience. At the same time, we also call on the whole industry to work together to improve the overall quality of the works and create more beautiful viewing experiences for the audience.

Finally, as a senior self-media practitioner, I sincerely suggest that you must learn to use advanced productive forces and use AI every day. It has become my working habit to use AI to generate pictures of articles, which not only helps me greatly improve my work efficiency, but also brings more traffic to my articles. I don’t think anyone, no matter how familiar you are with your business, should reject AI. Smart people have used AI tools like chatgpt, but most people in the workplace only know how to work hard, and the result is that they suffer from information occlusion. After using AI tools, you will find it very easy to start a business from the media! As long as you are willing to spend some time learning how to use it, simple operation will enable you to produce high-quality explosive pictures and texts, and it is not a dream to increase the powder by 10w+! For example, my commonly used AI tool, Simple AI, is an all-round AI creative assistant, whose functions include AI painting, literary drawing, graphic drawing, AI copywriting, AI avatar, AI material and AI design. You can generate creative beautiful pictures, anime avatars, notes on planting grass, explosion titles, activity plans, etc. with one click.

　　Today, cars are no longer a simple means of transportation, but an extension of people’s lifestyle and a window to show their individuality. With the abundance of material life, consumers have become increasingly demanding for spiritual satisfaction. In addition to basic travel needs, people are paying more and more attention to the handling texture and driving quality of cars. "Not only to get into the kitchen, but also to get into the arena" is the first choice for many young people to buy a car. In the highly competitive A + market, FAW Toyota Corolla GR SPORT Sport is the best choice for this group of people, easily meeting users’ diverse needs for sports personality and pragmatism.

　　Corolla + GR, the perfect blend of glory and passion

　　When it comes to the A-Class sedan, many people will think of the famous "Corolla". From 1966 to the present, the Corolla has undergone 56 years of updates and 12 generations of changes, and the global cumulative sales volume has exceeded 50 million, becoming the highest-selling car series in the history of automobiles. With an absolute overwhelming advantage, it is firmly in the "world’s first-selling" position. According to statistics, every 35 seconds, a Corolla is selected by users around the world. Such an achievement can be said to be unprecedented, and it is rare to come later.

　　With the upgrade of Toyota’s TNGA architecture, the newly rejuvenated 12th-generation Corolla brings users a unique travel experience with its stunning appearance, rich configuration, and comfortable sense of control. Once it was listed, it received unanimous praise from consumers, continued to sell well, and endured for a long time. It can be said that "Corolla" is not only FAW Toyota’s ace product, but also an evergreen tree and leader in the domestic A-class car market. "Buy a car and choose Corolla" has long been deeply rooted in the hearts of the people.

　　"Toyota GR" may not be as widely known as the Corolla. But in fact, in the eyes of the automotive industry, especially in the racing circle and car enthusiasts, GR is to Toyota what M Power is to BMW and AMG is to Mercedes-Benz. It symbolizes blood, performance and perfection. GR is the abbreviation of GAZOO Racing, Toyota’s high-performance racing division. Its predecessor can be traced back to 15 years ago. At that time, Akio Toyoda adhered to the idea that "the car competition should be the focus, and the foundation of car building technology should be refined". He personally drove the car to successfully challenge the Nürburgring 24-hour endurance race, and named the team after "GAZOO Racing".

　　Therefore, the GR, which was born to conquer the track, has become the symbol of Toyota’s high-performance cars. In 2017, Toyota officially established the GR brand to apply the experience accumulated in the event to the production car, and has formed a rich product system so far. The FAW Toyota Corolla GR SPORT Sport Edition is from the GR brand GR SPORT, which combines the classic easy-to-drive quality of the Corolla with the sports genes of the GR SPORT, bringing new car purchase options to consumers who pursue sports style.

　　Exclusive sports kit, rich in details to highlight dynamic personality

　　The legendary glory of Corolla, superimposed on the performance genes of GR, the Corolla GR SPORT ignited the passion of the market and users instantly after it went on sale. On the basis of meeting the needs of users at home, Carlo GR SPORT better shows the sports life style of the owner through design, appearance, product details, driving experience, etc., adding a touch of passion to life.

　　First of all, in terms of appearance, FAW Toyota has implanted many GR brand track sports genes for the Corolla GR SPORT Sport Edition. The carbon black front and lower grille and exterior rearview mirrors are very sporty, which is full of power against the new front bumper. With 16-inch matte black wheels and a redesigned lower side skirt, it highlights the rich sports style exclusive to the Corolla GR SPORT Sport Edition. At the same time, in the rear part of the car, the blackened taillight set enhances the fashion sense of the whole car, and the exclusive GR SPORT Sport logo further highlights the sports model identity of the Corolla GR SPORT Sport Edition.

　　Secondly, in terms of the interior, the exclusive elements of the sports version are even more ubiquitous. The exclusive GR one-click start button is full of ritual, and the manual shift is in place in one step, allowing you to feel the starting moment of the race track every time you start and stop. The exclusive seats printed by GR are even more textured. While providing users with a sense of sports wrapping, they also take into account the user’s driving comfort and upgrade the travel texture again.

　　Professional-grade sports tuning, enjoy unlimited driving fun between movements

　　In the impression of most people, the Corolla is more of a pragmatic and reliable side of the family. In fact, in the development of the Corolla family, there was such a car that planted the seeds of racing dreams in the hearts of several generations. This car is the fifth-generation Corolla Trueno 3door GT APEX version in the popular "Initial D", which is the famous AE86. Therefore, there is also a sports part in the Corolla pedigree.

　　The Corolla GR SPORT sports version has once again updated the sports genes, as the sports representative of the Corolla family, on the basis of having a new sports appearance, it has also undergone professional-grade sports tuning to make its sports performance evolve again.

　　In terms of the chassis, the Corolla GR SPORT Sport is equipped with a dedicated independent suspension system and enhances the rigidity of the front and rear lateral stabilizers, further reducing the body roll, making the handling more sensitive and the driving more stable, meeting different driving needs and providing exceptional driving pleasure.

　　In terms of power performance, the Corolla GR SPORT Sport Edition is equipped with a TNGA 1.5L jet flow control engine (Dynamic Force Engine) that is unique for driving pleasure. Under the development of the TNGA architecture, the fuel injection method is optimized to further improve the engine performance, achieving a thermal efficiency of 40% and an ultra-high compression ratio of 13:1. The comprehensive fuel consumption for 100 kilometers is as low as 5.2L. While ensuring sports performance, it also inherits the consistent fuel economy of the Corolla.

　　Inheriting the family’s excellent quality genes, demonstrating full sincerity

　　In addition to its sporty appearance and driving performance, the FAW Toyota Corolla GR SPORT Sport Edition also shows full sincerity in terms of vehicle cost performance, which makes users "love it".

　　As the first GR SPORT model to land in China, the official price of the FAW Toyota Corolla GR SPORT sports model is only 136,800 yuan, which is only 4,000 yuan more expensive than the Corolla 1.5L top model, but it can have a series of exclusive configurations such as sports appearance kit, wider tires, larger rims, leather steering wheel, sports seat, etc., which not only enriches consumers’ choices, but also implements the impression of people-friendly and easy-to-control products, such as leather durability, and shows excellent quality.

　　In the serious A-class sedan market, the FAW Toyota Corolla GR SPORT Sport Edition adds track sports genes and personalized style elements on the basis of inheriting the high quality, high durability, high safety, and high cost performance of the Corolla series to meet consumers’ diverse needs and expectations for sports performance. For most users who like light modification and pay attention to quality, the Corolla GR SPORT Sport Edition can be said to be in place in one step, saving the trouble of later modification, not only more stylish, but also more reliable in overall quality.

Welcome to Autohome Yangzhou Promotions Channel to bring you the latest automotive market trends. Currently, the high-profile luxury SUV is running a high-profile promotion. In the Yangzhou area, this medium and large luxury SUV is attracting consumers’ attention with discounts of up to 130,000 yuan. The original price of the XT5 has now been reduced to 242,700 yuan. This is an opportunity not to be missed. Friends who want to know more details of the offer or get a higher car purchase discount, please be sure to click the "Check the car price" button in the quotation form to seize this rare promotion moment.

The exterior design of the Cadillac XT5 shows the perfect fusion of luxury and dynamics. On the front face, the family’s iconic shield-shaped air intake grille is used, and the chrome-decorated lines highlight the sense of power while maintaining exquisite details. The body lines are smooth and powerful, and the overall style is elegant and atmospheric, showing the luxury temperament of the Cadillac brand. The profile design on the side of the body further emphasizes the sense of sports, and with the unique wheel design, it makes the XT5 more visually recognizable. Overall, the exterior design of the XT5 shows both the solemnity of a luxury sedan and the vitality of a sports SUV.

The Cadillac XT5 shows its refined design concept with an elegant side profile. The body size is 4813mm × 1903mm × 1682mm, and the wheelbase is up to 2857mm, ensuring the comfort and driving stability of the interior space. The front and rear wheelbases are 1645mm, reflecting a balanced body layout. The tire size is 235/65 R18, which not only guarantees the driving performance, but also perfectly blends with the body line. The wheel style is exquisite and dynamic, which together shape the unique side visual effect of the XT5.

The interior design of the Cadillac XT5 reflects the perfect fusion of luxury and technology. Inside the spacious cabin, the steering wheel is made of textured leather, providing a comfortable grip, and supports manual up and down + front and rear adjustment to meet the driver’s individual needs. The center console is equipped with an 8-inch high definition touch screen, integrated multimedia system, navigation, phone and air conditioning functions, making it easy and intelligent to operate.

In terms of seats, the XT5 is made of imitation leather and genuine leather, which not only provides high comfort, but also supports multi-directional adjustments, such as front and rear, backrest, height and waist support, so that drivers and passengers can enjoy the ultimate comfort experience. The front seat is also equipped with a heating function, while the driver’s seat is also equipped with an additional power seat memory function, reflecting the attention to detail. The second row of seats also supports front and rear adjustment and backrest adjustment, while the seat reclining function provides passengers with a variety of space utilization possibilities, and the proportional reclining design is more flexible.

The Cadillac XT5 is equipped with a 2.0T turbocharged engine, which has a maximum power of 174 kilowatts, and the output is quite strong. The torque performance of this engine is also excellent, with a maximum torque of 350 Nm. Combined with the 9-speed automatic transmission, it provides a smooth power transmission and driving experience for the XT5. This power configuration ensures that the vehicle can show abundant power performance during daily driving and when it needs to be accelerated.

Summarizing the evaluation of the owner of Autohome, the Cadillac XT5 has won his recognition with its atmospheric appearance and strong power. This owner particularly appreciated the driving experience of the vehicle, believing that it is not only attractive in appearance, but also that the internal power system provides enough confidence. Spacious and comfortable to ride, making the XT5 meet the practical needs while also ensuring the pleasure of daily driving. Overall, the Cadillac XT5 is undoubtedly a trustworthy and enjoyable choice.

ifeng.com Auto News On March 30, Sailis Group’s Chongqing Sailis Blue Electric Vehicle officially released a new new energy vehicle brand – Blue Electric. At the same time, the first model of the Blue Electric brand, Blue Electric E5, was officially launched. The new car is positioned as an electric hybrid medium-sized SUV, equipped with the Freddy electric hybrid system. A total of 2 models are launched, priced at 139,900 and 151,900 yuan respectively. Plus 2,000 yuan can be upgraded to a 5 + 2 seat version, becoming the first pure electric battery life of 100 kilometers in the current market. Electric hybrid medium-sized SUV.

In addition, Blue Power E5 provides users with triple car purchase benefits. Purchase Blue Power E5 from now on, the former 10,000 users can enjoy a discount of 1,000 to 10,000, and car buyers can also enjoy 4,000 yuan to increase the purchase fund and up to 6,000 yuan financial discount and other car purchase benefits.

In terms of appearance, the overall shape of the Scenic Blue Electric E5 is simple and atmospheric, and the skyline LED light strip on the front face is very recognizable, which makes people shine. The logo adopts a new English letter "E" LOGO, which presents the ecological meaning of the Internet of Everything through the artistic arrangement of nine dots, which not only complements the large-scale starlight dot matrix digital grille, but also highlights the integration of individual forces willing to participate in the sustainable development of the world in the E era.

On the side of the body, the lines of the new car are equally tough and smooth, the roof and lines are straight, and the window proportion is satisfactory. Like the front face, there are still many "high-end" elements that can be found in the details, such as the lower window line rising from the rear window is full of ingenuity, the double-color double five-star wheel hub, and the plastic hub cover is also installed thoughtfully, which reduces the wind resistance and improves the texture significantly. In terms of body size, the length, width and height of the Blue Electric E5 are 4760/1865/1710mm respectively, and the wheelbase is 2785mm.

In terms of interior, the Blue Electric E5 is equipped with a double-spoke multi-function steering wheel and an integrated screen composed of full LCD meters + large-size central control screen, highlighting the overall design of technology. At the same time, the car system is equipped with HUAWEI Hicar 3.0, so there should be no problems in terms of practicality and expansion, and even in terms of localization customization, it will perform better. The screen quality and operation fluency are also excellent enough, and I believe this will be an absolute plus for the Scenic Blue Electric E5.

In terms of power, the blue electric E5 is equipped with Freddy electric hybrid, including a 1.5L high-efficiency plug-in hybrid special engine and a DHT300 electric hybrid system, which can achieve a perfect balance of energy consumption, power retention, NVH and acceleration. In terms of power performance, the maximum power of the new engine is 81kW, the maximum torque is 135N · m, the maximum power of the motor is 130kW, and the maximum torque is 300N · m; in terms of battery life, the NEDC pure electric battery life is up to 110km, and the WLTC comprehensive battery life is up to 1150km.