2024

SI FA

JI SHU

Types of judicial expertise

There are 28 kinds of traditional four categories and others.

Click here to open the file.

Judicial expertise refers to the activities in which appraisers use science and technology or expertise to identify and judge the specialized issues involved in litigation and provide expert opinions. There are many kinds of professions involved, and any appraisal involving related specialized issues in litigation belongs to the scope of judicial appraisal.

Judicial expertise can be divided into four traditional categories, such as forensic expertise, material evidence expertise, audio-visual material expertise, environmental expertise and other types of judicial expertise outside the four categories, totaling 28.

Number: 2024

Types of judicial expertise

PART 1

Traditional four categories of judicial expertise

1. Forensic medicine

It can be divided into five specific categories: forensic pathology appraisal (such as identification of the cause of death and estimation of the time of death, etc.), forensic clinical appraisal (such as identification of the level of human disability and the degree of human injury, etc.), forensic psychiatric appraisal (such as civil capacity appraisal and mental injury appraisal, etc.), forensic material evidence appraisal (such as kinship appraisal and individual identification, etc.) and forensic poison appraisal (such as volatile poison appraisal and natural medicine poison appraisal, etc.).

2. Physical evidence

It can be divided into three specific categories: document identification (such as handwriting identification, seal identification, etc.), trace identification (such as fingerprint identification, footprint identification, etc.) and trace material evidence identification.

3. Identification of audio-visual materials

It can be divided into recording identification (such as authenticity identification of recording, identity identification of recording, etc.), image identification (such as image content analysis, similarity identification of image works, etc.) and electronic data identification (such as existence identification of electronic data and functional identification of electronic data, etc.).

4. Others

According to the needs of litigation, other authentication matters that should be registered and managed by the judicial administrative department of the State Council in consultation with the Supreme People’s Court and the Supreme People’s Procuratorate. Including the identified environmental identification (including environmental monitoring identification, environmental pollution damage identification, environmental pollution damage assessment identification, environmental pollution control identification, environmental impact assessment identification, environmental science identification and environmental protection identification, etc. )

PART 2

Judicial expertise outside the traditional four categories

Judicial expertise outside the traditional four categories

The identification beyond the traditional four categories mainly includes:

5. Medical damage

6. Accounting audit (accounting audit, tax audit)

7. Price verification

8. Motor vehicle appraisal and evaluation (motor vehicle technical appraisal and motor vehicle evaluation)

9. Insurance assessment

10. Asset appraisal

11. Forest resource assets assessment (forest resource assets assessment, forest resource survey)

12. Land evaluation

13. Real estate appraisal

14. Surveying and Mapping (Bureau of Surveying and Mapping qualification)

15. Construction engineering (engineering appraisal, engineering cost, engineering inspection, municipal engineering quality appraisal, traffic engineering quality appraisal and design, water conservancy engineering, water transport engineering)

16 product quality appraisal (mechanical and electrical, chemical, light industry, building materials, metal materials and metal products, electronics, food)

17. Intellectual property rights

18. Average assessment

19. Ship inspection and evaluation

20. Mining right evaluation

21. Gold and silver jewelry

22. Arts and crafts

23. Cultural relics identification

24. Scientific and technological advice

25. Safety evaluation

26. Hydrological investigation and evaluation

27. Orthopedic prostheses

28. Other identification types

PART 3

tag

Judicial expertise is an important part of national judicial activities, which plays an irreplaceable role in safeguarding judicial justice, resolving social contradictions, resolving social disputes and promoting social harmony and stability. It is a high unity of science and law. Accurate application of identification categories can improve the quality and efficiency of identification, ensure judicial justice and safeguard the legitimate rights and interests of parties.

Original title: "Pro-Law Classroom | What are the types of judicial expertise? 》

Read the original text

Beijing Tax Letter [2023] No.61

　　In order to continuously promote the theme education of the tax system, conscientiously implement the Opinions of the Central Committee of the Communist Party of China and the State Council on Promoting the Development and Growth of the Private Economy (hereinafter referred to as the Opinions) and the arrangement of the the State Council executive meeting on July 31, according to the work arrangement of the State Administration of Taxation, the Beijing Taxation Bureau of State Taxation Administration of The People’s Republic of China has launched four batches of "Spring Breeze Action for Facilitating Taxation" measures in the first half of this year, focusing on supporting the development of small and medium-sized enterprises and individual industrial and commercial households. We will implement the new series of tax reduction and fee reduction policies, combine the actual tax situation in Beijing and the new needs of taxpayers, and then introduce and optimize a number of "Spring Breeze Action for Facilitating Taxes" measures to help the private economy grow and develop, promote the sustained improvement of economic operation, and better serve high-quality development. The relevant matters are hereby notified as follows:

　　 First, further strengthen policy implementation

　　(a) to formulate and distribute the list of preferential tax policies and related guidelines to support the development of small and micro enterprises and individual industrial and commercial households.

　　(two) according to the list and guidelines, organize face-to-face publicity and interpretation of private enterprises and individual industrial and commercial households. Common questions shall be answered in accordance with the question-and-answer caliber uniformly issued by the State Administration of Taxation, so as to ensure the implementation of unified norms.

　　(3) Improve the accurate push mechanism of tax and fee policies, implement the Work Specification for Accurate Push of Tax and Fee Policies of the State Administration of Taxation, better realize "finding people by policies" and ensure that policies can be enjoyed directly and quickly.

　　(4) Improve the service measures for retrospective enjoyment. For those who need tax refund, they should fully respect the will of taxpayers and handle it in time through special projects.

　　(5) If the taxpayer fails to enjoy the policy of adding and deducting R&D expenses in time during the levy period in July this year for various reasons, it can be supplemented in August and September by changing the second quarter (or June) enterprise income tax prepayment declaration; Actively work with relevant departments to collect and compile appraisal cases of R&D projects, and help qualified small and medium-sized enterprises fully and accurately enjoy the bonus of R&D expenses plus deduction policy.

　　(six) for small-scale taxpayers to reduce the value-added tax concessions, small-scale low-profit enterprises and individual industrial and commercial households income tax concessions and other policies, increase the implementation of independent declaration and self-enjoyment, and constantly expand the scope of application.

　　(VII) Improve the push mechanism of dividend bills for tax reduction and fee reduction, optimize and improve system functions, and explore personalized and customized push services for dividend bills.

　　 Two, to further facilitate the handling of taxes and fees

　　(eight) for the "enterprise financial accounting system" and other 11 proof materials using access to reuse measures, reduce the data submitted repeatedly, reduce the burden of tax payment.

　　(9) Deepen the implementation of the notification commitment system for 12 tax certification items, such as "identity certificate of individual industrial and commercial business operators", strictly control the newly established tax certification items, and do not require taxpayers to test, inspect, authenticate, authenticate, notarize or provide certificates before applying for tax matters.

　　(ten) in accordance with the deployment of the State Administration of Taxation, promote digital electronic invoices, help the digital transformation of small and medium-sized enterprises, and further reduce the institutional transaction costs of small and medium-sized enterprises.

　　(eleven) continue to optimize the value-added tax, enterprise income tax, personal income tax and other tax declaration and pre-filling services, explore intelligent pre-filling, and shorten the reporting time.

　　(12) Optimize the procedures for inter-provincial migration of small and medium-sized enterprises. For qualified small and medium-sized enterprises, the tax authorities shall go through the formalities for moving out in a timely manner according to regulations, and the migration information shall be pushed to the tax authorities in the place where they move in.

　　(XIII) Further optimize the information sharing method of bank and tax credit, and help more private enterprises to obtain financing support through "bank-tax interaction" with good tax credit on the premise of ensuring data security and safeguarding taxpayers’ legitimate rights and interests.

　　 Third, further improve the appeal response

　　(14) Give full play to the role of the mechanism for solving the service demands of taxes and fees. The State Administration of Taxation and the provincial tax bureaus will establish direct contact points for private enterprises at the same time, conduct regular visits and discussions for private enterprises, systematically sort out the problems strongly reflected by small and medium-sized enterprises, study practical and effective solutions, and respond to the reasonable demands of taxpayers and payers in a timely manner.

　　(15) Organize the tax system to continue the service season for small and medium-sized enterprises, focus on the needs and expectations of small and medium-sized enterprises and individual industrial and commercial households, expand innovative service measures, and promote the new series of tax reduction and fee reduction policies to be better implemented.

　　(16) Further strengthen the linkage with the Federation of Industry and Commerce and other departments, actively carry out multi-field and multi-level online and offline professional training and counseling for private enterprises, actively explore the provision of personalized services for different types of private enterprises, and help private enterprises in the transformation and upgrading stage to improve their compliance ability.

　　(17) Cooperate with local chambers of commerce to organize the establishment of private enterprise service stations or service consultants, carry out in-depth work of popularizing law, answering questions, mediating, safeguarding rights, etc., and meet the service needs of enterprise tax and fee consultation in a timely manner.

　　 Fourth, further deepen cross-border services

　　(XVIII) Simplify the relevant statements of overseas investment and information obtained by enterprises, reduce the frequency of submission, and further reduce the reporting burden of enterprises.

　　(XIX) Optimize the "single window" service functions of the electronic tax bureau and international trade, and implement the "exemption from reporting" of export tax refund invoices and export customs declarations, so as to further improve the convenience of private enterprises and other enterprises in handling export tax rebates.

　　(20) Set up the 12366 cross-border service consultation hotline, strengthen the collection and collation of high-frequency difficult tax-related issues in cross-border operations, launch and constantly improve the "cross-border taxpayer’s difficult questions", and broaden the channels for private enterprises to solve doubts and doubts.

　　(21) Combined with the overseas investment characteristics of private enterprises in this Municipality, after official website, the State Administration of Taxation, issued the "Overseas Tax Case Library", cooperate with the publicity and utilization of the "Overseas Tax Case Library", assist in updating and issuing the investment tax guide for countries (regions), and help "going out" private enterprises to prevent tax risks and improve their tax compliance ability.

　　(twenty-two) deepen the use of international tax legal tools such as mutual consultation procedures of tax treaties and advance pricing arrangements, and make greater efforts to help taxpayers such as private enterprises solve cross-border tax-related disputes and improve the tax certainty of cross-border operations.

　　(23) Focusing on the characteristics and tax-related demands of the "going out" taxpayers in this Municipality, we will optimize and upgrade the "Belt and Road" measures for tax services, better serve the "going out" taxpayers in this Municipality, and create a good tax environment for private enterprises to better "go out".

　　 Fifth, further optimize the law enforcement methods

　　(24) Insist on collecting taxes and fees according to laws and regulations, resolutely refuse to collect "excessive taxes and fees", expand and smooth the complaint reporting channels such as the 12366 tax payment service hotline, and seriously investigate and deal with the behavior of collecting "excessive taxes and fees" together.

　　(twenty-five) to accelerate the development of regional unified tax administrative punishment discretion benchmark, and promote regional tax law enforcement coordination.

　　(26) In accordance with the relevant deployment requirements of the State Administration of Taxation, the tax authorities shall provide guidance to private enterprises that meet the requirements and have real difficulties in paying taxes, and shall not take enforcement measures for those who pay taxes as planned.

　　(27) Adhere to the combination of education and punishment, and further strictly implement the system of "no penalty for the first violation". If 14 items in the list of "no penalty for the first violation" of tax administrative punishment occur for the first time and the harmful consequences are slight, they will not be given administrative punishment.

　　(28) Strictly implement the system of fair competition and equity review of tax regulatory documents, strengthen the review of relevant policies and measures, earnestly safeguard the legitimate rights and interests of taxpayers in the private economy such as small and medium-sized enterprises and individual industrial and commercial households, and ensure that all types of enterprises are treated equally and equally.

　　All units should adhere to the guidance of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, implement the new development concept completely, accurately and comprehensively, resolutely implement the "Two Unswervings", fully understand the significance of promoting the development and growth of the private economy, fully understand the significance of doing a good job in current tax work to promote the sustained recovery and high-quality development of the national economy, and earnestly enhance the sense of mission and responsibility. Taking the implementation of the Opinions and the spirit of the executive meeting of Politburo meeting of the Chinese Communist Party and the State Council seriously as an important task to further promote the theme education of the tax system, we should work closely with the actual creativity, solve problems and do practical things for taxpayers in accordance with the law and regulations, take the initiative to cooperate efficiently, be close to the fine service, and strive to promote the private economy to become bigger and better. It is necessary to combine the requirements of continuous innovation and development of "Jinjiang Experience", constantly enrich and improve the measures and methods for tax departments to serve small, medium and micro enterprises and individual industrial and commercial households, sum up and popularize good experiences and practices in a timely manner, and fix effective experiences and practices to form a system, so as to ensure that the decision-making arrangements of the CPC Central Committee and the State Council to promote the development of the private economy and the new series of tax reduction and fee reduction policies are fully effective in the tax system, and make new and greater contributions to the high-quality development of services.

State Taxation Administration of The People’s Republic of China Beijing Municipal Taxation Bureau　　　　

August 22, 2023　　

　　Afraid of eating your own bad stomach, of "Xiong Haizi" damaging the goods in the shopping mall, and of accidentally breaking the screen of your mobile phone? Maybe the insurance company has already thought of it for you. Nowadays, novel Internet insurance products such as "food insurance", "Xiong Haizi insurance" and "mobile phone broken screen insurance" attract more and more consumers’ attention. Are these new types of insurance reliable? How do insurance companies design these products? What should I pay attention to when buying Internet insurance?

　　Meet the individual needs of users

　　"Remember those years because of greed and sin? Then why not take out a food insurance to make yourself more secure? " The reporter saw in a shop of Taobao Insurance that the purchase of this food insurance premium only needs 9 yuan, and in the following year, if you are hospitalized or out-patient for acute gastroenteritis, you can pay 1000 yuan the highest. There are not a few unexpected Internet innovation insurances like "food insurance". These insurances with low premium and short guarantee period have attracted more and more online consumption: 0.9 yuan can insure "occasional minor injury insurance", the guarantee period is 1 to 3 months, and the accidental injury can be paid up to 2,000 yuan; There is also the "Xiong Haizi Insurance", which costs 8 yuan a whole year. Children under the age of 17 can get compensation for breaking shopping mall vases or school glass … …

　　It is not difficult to see that Internet insurance has expanded more application scenarios in traditional property insurance and personal insurance, such as "Wang Xingbao" to protect the medical expenses caused by pet injuries, "Mobile phone broken screen insurance" for "hand-sliding party" and "beautiful as a flower insurance" for plastic surgery accidents. Compared with traditional insurance, these Internet insurances developed based on specific scenarios meet the short-term personalized segmentation insurance needs of users.

　　Chen Jin, CEO of Zhongan Online Property Insurance Co., Ltd., said that the core of the Internet economy is customer demand-oriented, and so is the insurance market. It is these massive, small and fragmented insurance policies that greatly lower the threshold of insurance and cultivate new consumption habits of young people to buy insurance.

　　There are both convenience and risks.

　　Internet insurance innovation business is currently growing at a high speed. Statistics show that in 2017, the number of Internet insurance signs was 12.491 billion, an increase of 102.60%. Chen Jin believes that the power of science and technology has begun to reshape the product design, pricing, sales, claims and other links in the insurance value chain.

　　Taking product design as an example, Internet insurance companies have changed many risks from insurable to insurable through user data analysis. For example, relying on the user’s purchase history, return frequency and other data, provide online shopping return insurance; Provide flight delay insurance by analyzing data such as flight dynamics and weather conditions. "In the product pricing process, the combination of the Internet of Vehicles, drones, wearable devices and big data technology will help insurance companies better grasp the needs and risks of users and realize dynamic pricing. For example, in the field of auto insurance, ‘ can be realized according to the driving mileage, behavior habits, vehicle safety factor and other factors of the owner. One car for one price ’ 。” Chen Jin said, "The future of Internet insurance should be personalized, customized and intelligent."

　　It is worth noting that while Internet insurance brings convenience to consumers, there are also potential risks. Some "eye-catching" products launched by insurance institutions have some problems, such as nonstandard publicity content, inconsistent content or incomplete display of format terms on web pages, and unclear exemption clauses, which are suspected of misleading consumers. In addition, some online platforms hide "tying", and sell some insurance products by default checking on their ticketing and hotel reservation pages, without clearly listing the underwriting subject or agent sales subject, and failing to fully disclose relevant important information such as insurance product terms, which infringes on consumers’ rights and interests such as the right to know and the right to choose independently.

　　Supervision still needs to be strengthened.

　　Wang Yonghua, a visiting researcher at the Insurance Center of the Development Research Institute of Fudan University, said that some institutions, in the name of mutual assistance, are ostensibly insurance, but what they actually do is to raise funds. Some "exotic risks" may be controversial in claims because of their special scenes, and insurance companies may also try their best to expand sales, but ignore claims. "Consumers should not be impulsive before buying and should fully understand the products. It should be understood that buying insurance is to protect extreme risks, not to make a fortune. " Wang Yonghua said.

　　Xia Xuemin, a visiting researcher in institute for public policy, Zhejiang University, believes that many institutions have launched many so-called Internet insurance products, and some even directly violated the national regulatory rules on insurance. At the beginning of 2017, the relevant departments issued the Guidelines for the Development of Insurance Products of Property Insurance Companies, which for the first time refined the development principles and prohibitive provisions of insurance products of property insurance companies, and directed the supervision at the insurance products with hype concepts and gimmicky tendencies in the market, such as "sticker insurance", "love insurance" and "helping the elderly to be wrongly insured".

　　Xia Xuemin suggested that blacklists and integrity files of Internet insurance should be established, reporting channels should be opened, users should be encouraged to actively reflect suspicious institutions and products, and unqualified sales of Internet insurance should be exposed.

　　■ correlation

　　Seven "Xiong Haizi" in Jiangxi

　　Stop the high-speed rail with stones

　　Will pay 50 thousand losses

　　Seven students actually "forced" the high-speed rail with three stones! On May 3, the reporter learned from the railway department that due to the impact on railway safety, the high-speed train temporarily stopped for 41 minutes in this section. After the relevant departments determined the damage, seven students will bear 50,000 yuan in compensation.

　　The incident happened not long ago. Seven students from a middle school in Hukou climbed the Qujiang-Jiujiang Railway to play in the railway fence net, and placed three stones on the rails, which were crushed by the G1650 high-speed train passing through this section, causing the train brake device to be damaged, and temporarily stopped for 41 minutes in this section, which seriously affected the operation safety of the high-speed rail line. Seven student guardians will also pay compensation for the heavy economic losses caused by emergency parking of high-speed trains.

　　The railway department reminds that crossing the railway and playing on the railway not only threaten your life safety, but also cause hidden dangers to the moving train. "It takes at least three or four hundred meters for the moving train to stop from emergency braking." Therefore, it is not the emergency braking that will prevent the tragedy. Moreover, the emergency stop is also very harmful to the train itself, which may cause the train to get out of control and the safety of all passengers will be threatened.

　　Xinhua News Agency, Fuzhou, July 9 (Reporter Wu Jianfeng) In the midsummer season, many places in Fujian have continuously issued high-temperature orange warnings. Fujian Provincial Department of Human Resources and Social Security recently issued a notice, in order to reduce the impact of continuous high temperature weather on the work and health of employees, all employers should arrange their work scientifically and reasonably, and pay the high temperature allowance in full, and they should not take the way of offsetting it with heatstroke prevention and cooling drinks.

　　According to the regulations, if all employers arrange for workers to engage in outdoor open-air operations in hot weather above 35 degrees Celsius and cannot take effective measures to reduce the workplace temperature below 33 degrees Celsius, they should pay high-temperature allowances to workers. May is calculated according to the actual high temperature days in 12 yuan/day, and June to September is calculated according to the 260 yuan/month or the actual high temperature days in 12 yuan/day.

　　The relevant person in charge of the labor inspection department of Fujian Provincial Department of Human Resources and Social Security said that in addition to granting high-temperature allowance according to regulations, all employers should arrange their work scientifically and reasonably according to production characteristics and specific conditions, and take measures such as appropriately increasing the rest time of workers and reducing outdoor operations during high-temperature periods to ensure safe production. If the daily maximum temperature reaches 40 degrees Celsius or above, the employing unit shall stop outdoor open-air operations on that day; When the maximum daily temperature reaches 37 degrees Celsius or above and 40 degrees Celsius or below, the employer shall not arrange outdoor open-air operations for workers for more than 6 hours, and the continuous operation time shall not exceed the national regulations, and outdoor open-air operations shall not be arranged within 3 hours of the maximum temperature; When the daily maximum temperature reaches more than 35 degrees Celsius and less than 37 degrees Celsius, the employer shall take shifts and take turns to shorten the continuous working time of the workers, and shall not arrange the outdoor workers to work overtime.

　　In the next step, the human and social departments at all levels in Fujian Province will organize employers to carry out self-examination and self-correction on the implementation of the high temperature allowance regulations. Further unblock the channels for reporting and complaining, and accept and investigate violations of working hours and high temperature allowances during hot weather according to law. At the same time, strengthen labor security supervision and law enforcement, combine the work of eradicating wage arrears, and focus on the construction, transportation, logistics and express delivery, dock and dock, environmental sanitation, processing and manufacturing industries of outdoor open-air operations and high-temperature areas, and carry out inspections on employers’ compliance with high-temperature allowance laws and regulations. Those who violate labor security laws and regulations will be severely punished according to laws and regulations.

CCTV News:Energy is the foundation of economic development. This year’s Central Economic Work Conference pointed out that to correctly understand and grasp peak carbon dioxide emissions’s carbon neutrality, the gradual withdrawal of traditional energy sources should be based on the safe and reliable substitution of new energy sources. How to balance the relationship between traditional energy and new energy? Let’s look at the interpretation of experts.

Lin Weibin, Director of Energy Policy Research Center of China Energy Research Association:Low-carbon transformation should vigorously develop renewable energy. Between these new development forces and the original traditional technical forces, there will be a natural, trade-off alternative transformation process, instead of "tearing down the old house before the new house is built", it is necessary to realize the organic unity of economic development and carbon reduction, rather than mutual exclusion.

The meeting pointed out that it is necessary to base on the basic national conditions of coal, do a good job in clean and efficient utilization of coal, increase the capacity of new energy consumption, and promote the optimal combination of coal and new energy.

Xu Chunming, Dean of Carbon Neutralization and Future Technology College of China Shiyou University:Actively develop new energy sources and pay more attention to the clean, efficient and high-quality utilization of kerosene gas fossil energy.

Du Zhongming, Dean of Electric Power Planning and Design Institute:In the future, the orientation of coal-fired power will be gradually adjusted in the "14th Five-Year Plan" to give more play to the security support function of power grid and power system.

The meeting pointed out that it is necessary to make scientific assessment, add renewable energy and energy consumption of raw materials not to be included in the total energy consumption control, create conditions to realize the transformation from "double control" of energy consumption to "double control" of total carbon emission and intensity as soon as possible, and accelerate the formation of incentive and restraint mechanisms to reduce pollution and carbon to prevent simple layer-by-layer decomposition. We should pay close attention to tackling key problems with green and low-carbon technologies.

Du Zhongming, Dean of Electric Power Planning and Design Institute:Scientific and technological innovation is the key to achieve the goal of "double carbon". In the fields of new energy-friendly power generation technology, high-proportion new energy transmission technology, new energy storage technology, intelligent regulation technology and low-carbon technology of traditional power supply, it is urgent to break through a number of key technologies, realize engineering application as soon as possible, and effectively increase the proportion of new energy generation.

　　　　　　 CCTV News:Continue to pay attention to the series of reports on the special struggle against evil. Today (November 27), we will pay attention to the situation of the special struggle against evil in Sichuan. In the process of the breeding, growth and expansion of evil forces, there is generally an "umbrella" involved. In the special struggle against evil, Sichuan destroyed an underworld organization that had been entrenched in Qingchuan County of Guangyuan City for more than 20 years. Behind the growth of this underworld organization, there are some "protective umbrellas" providing shelter, including more than 60 public officials involved in the case, which has allowed this evil force to run rampant in the village for a long time and the local people have suffered greatly.

　　　　　　 [the rampant party] monopolizes resources, occupies rivers, and evil forces oppress the people wantonly.

　　　　　　 In Qingchuan County, Guangyuan City, mentioning Chen Fubing is daunting for many people.

　　　　　　 Xia Guomao, Supervisory Committee of the Commission for Discipline Inspection of Guangyuan City, Sichuan Province: "As a black and evil force with a certain influence and status in Qingchuan business and political circles, people talk about him only when it comes to ‘ Bing er ’ The name, everyone is scared. "

　　　　　　 "Bing Er" is the nickname of Chen Fubing, and the name of "Bing Er" is almost well known in Qianjin Township, Qingchuan County.

　　　　　　 There is a river called Qingzhu River in Qianjin Township, Qingchuan County, and its rich sandstone and fishery resources have become the private property of Chen Fubing and his gang. Uncle Yao, 70 years old, caught a fish weighing more than ten kilograms in the river ten years ago, but Chen Fubing’s men knew about it and took it away on the spot. Three months later, after Chen Fubing knew about it, he chased him to his home and beat him up.

　　　　　　 Uncle Yao’s experience is not a case. In Qingzhujiang, fishing must be approved by Chen Fubing. Local people: "I caught a 4 kg carp in the so-called river he was in charge of to improve my nutrition. They rushed to my house and took the fish. They also injured me and lay at home for more than a month."

　　　　　　 In order to manage the river, Chen Fubing set up an "underground law enforcement team", which is responsible for guarding, inspecting and occupying the river resources of the township and illegally seeking huge profits.

　　　　　　 Wang Songlin, deputy head of the Criminal Investigation Brigade of Zhaohua Branch of Guangyuan Public Security Bureau, said: "If you want to fish, you must go through Chen Fubing’s permission. Not if you don’t ask his permission. After his men, including himself, found out, they either confiscated your fishing rod and broke it for you at the scene, or if these people had any disputes with them at the scene, he would beat you. "

　　　　　　 Chen Long (a pseudonym) is an entrepreneur in Qianjin Township, Qingchuan County. In 2012, Chen Long received an invitation from his hometown to start a business in his hometown. To build a farm, he needed some sand and gravel. When he dug some sand and gravel, Chen Fubing came to the door.

　　　　　　 Chen Long (pseudonym): "The county party committee and the water affairs bureau have approved the use of 50 cubic meters of sand and gravel, and then approved it after it is used up. After it is used up, it is called the boss of Qingchuan ‘ Bing er ’ Come and ask me for gravel money. What gravel money do I say? How can it be yours? In the end, I always quarreled, didn’t fight for a road, and finally asked me for 300,000 yuan. "

　　　　　　 Chen Long, who didn’t give money, was beaten up, but he was blocked at home by Chen Fubing’s gang for several days and was not allowed to go out. Chen Long (pseudonym): "After the argument, one day at about three o’clock in the afternoon, Chen Fubing came to my office, directly pulled me out of the office desk and beat me up. At that time, I also called two people together. "

　　　　　　 【 daunting 】 woo public officials to "settle" criminal cases.

　　　　　　 Monopolizing sand and gravel resources and occupying rivers, the "underground law enforcement team" composed of Chen Fubing arbitrarily bullied the people, and the people dared to speak out. In addition to not to be taunted, Chen Fubing’s men can even spend money to settle people’s deaths and injuries and evade criminal punishment, which is also an important reason why ordinary people are afraid.

　　　　　　 The case-handling staff of the Supervision Committee of Guangyuan City Commission for Discipline Inspection told the reporter that Chen Fubing’s wife and brother had an argument with someone after drinking, and they were injured and killed. Unexpectedly, they eventually turned into negligence and died, and were sentenced to probation.

　　　　　　 Xia Guomao, Supervision Committee of the Commission for Discipline Inspection of Guangyuan City, Sichuan Province: "Chen Fubing’s brother-in-law quarreled with a pedestrian after drinking, and injured others’ heads with bricks. At that time, this case was not treated in time, and later died. This case was discovered from our later verification. Judging from the situation, it is a typical intentional injury that caused death. Then in the investigation process of the public security organs, the charge of prosecution is also intentional injury and death. " Unexpectedly, when it came to the procuratorate, the crime of intentional injury causing death was changed to negligent death.

　　　　　　 Xia Guomao, Supervisory Committee of the Commission for Discipline Inspection of Guangyuan City, Sichuan Province: "When I went to the procuratorate, Chen Fubing found the relevant personnel and said hello to the prosecutor in charge of the procuratorate. The prosecutor did not strictly check the evidence, so he made a change of the crime and changed it to the crime of negligent death."

　　　　　　 After the case was brought to court, the presiding judge was also corrupted by Chen Fubing, deliberately concealing the key plot evidence from the trial Committee, and finally he was given a lighter sentence on the charge of negligent death, allowing him to escape legal sanctions. In another case, Chen Fubing’s men seriously injured a person’s head, but escaped legal sanctions. Li Dingwen opened a canteen in Qianjin Township. One day in 2014, Duan Wenbin, one of Chen Fubing’s men who was drunk, came to the canteen to buy water, and there was a dispute.

　　　　　　 Wang Songlin, deputy head of the Criminal Investigation Brigade of Zhaohua Branch of Guangyuan Public Security Bureau, said: "In the process of buying water, he told his boss that your water was fake and there was something wrong with it. Then the boss said that everyone was buying it, and there was no problem. If you want to buy it, you can leave without buying it. Then the suspect Duan Wenbin felt that he had lost face and had no face, so he grabbed and fought with the other party. " After seriously injuring the supermarket owner, Duan Wenbin escaped the legal sanction, and another suspect, Zhang Yong, took the blame.

　　　　　　 [Shocking] The "protective umbrella" for joint handling of cases by police in different places eventually fell.

　　　　　　 The reason why Chen Fubing is so "miraculous" and reckless is inseparable from the asylum provided by some local public officials in Qingchuan. In the investigation, the investigators found that many public officials, including the deputy director of Qingchuan County Public Security Bureau, the captain of the Public Security Brigade and the director of the Water Affairs Bureau, have become Chen Fubing’s "protective umbrellas".

　　　　　　 In 2018, after the start of the special fight against vice, local people in Qingchuan reported the criminal clues of Chen Fubing’s gang to the local anti-vice office one after another. As the director of the anti-vice office of Qingchuan County Public Security Bureau, Hu Qiang did not investigate and deal with it according to the regulations, and the problem clues failed twice under the "operation" of Hu Qiang, which led to Chen Fubing’s gang’s impunity and became a "fish escaping from the net" in the previous special fight against vice. And Hu Qiang is just one of the "protective umbrellas" behind Chen Fubing’s gang making waves in Qingchuan.

　　　　　　 Xia Guomao, Supervision Committee of the Commission for Discipline Inspection of Guangyuan City, Sichuan Province: "We found that Hu Qiang, a member of the Party Committee and deputy director of the Public Security Bureau, became friends with Chen Fubing during his tenure as deputy director of the Public Security Bureau. When some Chen Fubing and even the people below him have some cases of illegal problems, try to help him say hello to the following, and roll with the punches. "

　　　　　　 For some illegal and criminal acts of Chen Fubing’s gang, Hu Qiang often greets his subordinates and intercedes, so the local police station always turns a blind eye to cases involving Chen Fubing’s gang. In addition to Hu Qiang, Xiao Bin, the captain of the Public Security Brigade of Qingchuan County Public Security Bureau, was also the object of Chen Fubing’s gang’s corruption.

　　　　　　 Xia Guomao, Supervision Committee of the Commission for Discipline Inspection of Guangyuan City, Sichuan Province: "We found that Xiao Bin, the captain of the Public Security Brigade of Qingchuan County Public Security Bureau, was also like this in this process. He ate and drank with Chen Fubing, was dragged into corrosion, and became a shareholder when excavating sand and gravel in the river. Small money, big money, and helping Chen Fubing sell sand and gravel, accepting bribes of more than 100,000 yuan."

　　　　　　 Red envelopes, birthday wishes, eating, drinking and drinking have become sharp weapons to attract and corrode these public officials. Chen Fubing can dominate the sandstone mining in Qingchuan County, and the "umbrella" behind him is Zhao Pujun, director of Qingchuan County Water Affairs Bureau.

　　　　　　 Xia Guomao, Supervisory Committee of the Commission for Discipline Inspection of Guangyuan City, Sichuan Province: "He has been dealing with the Director of Water Affairs for so many years and has continuously given the Director of Water Affairs Bureau more than 80,000 yuan in cash. Usually, please eat and drink and become friends, and turn a blind eye to his fishery management and sand mining. The following law enforcement inspection went to his place, and it was also a formality. "

　　　　　　 [Open an umbrella and break the net] 36 "protective umbrellas" were put on file for investigation, involving multiple systems

　　　　　　 In order to destroy this group of underworld organizations and their "protective umbrellas", the discipline inspection and supervision organs of Guangyuan City took "breaking the net with an umbrella" as the main direction, and dug deep into the "network of relationships", "protective umbrellas" and "interest chains" behind the evil forces. The Guangyuan Municipal Public Security Bureau used police in different places to jointly handle cases, and finally destroyed Chen Fubing’s gang in one fell swoop.

　　　　　　 In November 2018, under the overall command of the Supervision Committee of the Municipal Commission for Discipline Inspection, the Supervision Committee of the Commission for Discipline Inspection of Zhaohua District, the Public Security Bureau of Zhaohua District and the Supervision Committee of the Commission for Discipline Inspection of Qingchuan County solidly carried out the "100-day attack" action of Chen Fubing’s case, adopting designated jurisdiction, handling in different places and two-way transfer of clues to promote the simultaneous investigation and punishment of "black evil" and "umbrella net".

　　　　　　 Wang Songlin, deputy head of the Criminal Investigation Brigade of Zhaohua Branch of Guangyuan Public Security Bureau: "We have established 31 criminal cases, more than 60 public security cases, and then more than 120 injured people, and then he also defaulted on wages and freight. According to our preliminary payment, there are more than 600,000 people and more than 30 people."

　　　　　　 In addition to the members of Chen Fubing’s gang, among the public officials involved, the task force filed a case to investigate and deal with 4 people in the water conservancy system, 1 person in the agricultural system, 6 people in the land system, 22 people in the public security system, 2 people in the court, 2 people in the procuratorate and 20 people in towns and villages.

　　　　　　 In August 2020, Chen Fubing and others were sentenced in the People’s Court of Zhaohua District, Guangyuan City on suspicion of organizing leaders to participate in underworld organizations, seeking trouble and other criminal cases. Chen Fubing was convicted of organizing and leading underworld organizations, intentional injury, extortion and other eight crimes. He was sentenced to 23 years in prison and confiscated all his personal property.

　　　　　　 At the same time, Guangyuan City dealt with 36 "protective umbrellas" such as Hu Qiang and Zhao Pujun according to the law, and at the same time carried out warning education throughout the city, insisting on promoting reform through cases.

　　　　　　 According to the Sichuan Anti-triad Office, since the launch of the special struggle to eliminate evils, as of the end of October this year, the province has put on record 3,547 cases of corruption and "protective umbrellas" related to evils, and 5,279 people have been investigated, including 2,968 people who have been punished by party discipline and government affairs and 341 people who have been transferred to judicial organs, and 1,005 typical cases have been notified. The relevant person in charge of the Sichuan Anti-triad Office said that it will never tolerate the resolute crackdown on the protection of crimes involving black and evil.

In this era when everyone is chasing dramas and gossiping, we need to read books.

We need to find a pure land for our hearts and regain the happiness of reading.

Fan Shujun selected ten famous sentences, each sentence is a classic, and each sentence is life.

Life can’t be as good as you think,

But it’s not as bad as you think.

-Mo Bosang’s Life

We always look forward to a happy ending.

Most TV dramas also end when they are broadcast to family fun.

But life is not like this.

It is full of mud and sand, with laughter and tears.

As long as you are alive, you have to experience it. Experience joy, experience sadness.

There is no happy ending.

Always on the road is the only answer to life.

The world won’t care about your self-esteem,

People only see your achievements.

Before you achieve anything,

Don’t overemphasize self-esteem.

-Fitzgerald’s The Great Gatsby

If you want to succeed in the secular sense and gain the recognition and praise of the world, you can’t overemphasize self-esteem.

It is a compulsory course for success to go through all kinds of hardships.

Self-esteem is like white shoes.

People who are always worried about whether their shoes are dirty can’t walk on the dirt road.

Putting down your posture is the first step to success.

When I am silent, I feel full,

When I speak, I feel empty.

-Lu Xun’s "Wild Grass Inscription"

When people reach middle age, they gradually find that people don’t have to talk too much.

Not every fish lives in the same sea.

Everyone’s cognition and understanding are different.

Once you open your mouth, it is easy to bring right and wrong in many cases.

People who know you don’t have to say it, and people who don’t need to say it.

Half of life, slowly understand.

Most of the words should be told to yourself, and you should taste the joys and sorrows yourself.

It is not easy to complain, and you don’t have to spit at will.

Silence is a realm and a practice.

If you can’t avoid it,

You have to put up with it

Cann’t stand what life is destined to endure,

Is a sign of weakness and stupidity.

-Charlotte Brontexq’s Jane Eyre

Life is always impermanent.

Maybe at any time, disaster will befall you.

We are afraid before the disaster comes, and we are afraid in imagination.

I often scare myself.

But once disaster strikes, no matter how hard it is, we must bear it.

People will get used to it gradually.

This is human resilience.

We gritted our teeth and walked away. Until one day, a bright future emerges.

When we look back, we find that we have come a long way.

We are actually braver than we thought.

In the street where sixpence is everywhere,

He looked up at the moon.

-Mao Mu’s The Moon and Sixpence

In the eyes of the world, money has become justice.

But there are still many people who stick to their ideals.

They say: chasing dreams is chasing your own bad luck.

This is like a mockery, but also like a tragic.

Maybe one day, we will become more diverse and inclusive.

There will be more and more people watching the moon.

Unfortunately,

It is the step of genius;

The baptism water of believers;

The priceless treasure of capable people;

The bottomless pit of the weak.

-Balzac’s "Human Comedy"

For different people, the meaning of suffering is different.

For the strong, this is the best test and an excellent advanced journey in life.

But for the weak, it is bottomless darkness.

Suffering is the touchstone of life.

Polish yourself into a real strong person, so as not to be afraid of the wind and rain.

If you want something, you have to set it free.

If it comes back to you, it belongs to you,

If it doesn’t come back, you never had it.

-Dumas "The Count of Monte Cristo"

The tighter you hold something, the easier it is to lose it.

It is better to let go decisively than to be nervous.

It’s yours that others can’t take away, not yours, and it will be lost sooner or later.

In that case, why be persistent.

It is much more difficult to judge yourself than to judge others.

If you succeed in judging yourself correctly,

Then you are a real wise man.

-Exupery’s The Little Prince

People are all the same, their eyes are in front, they can only see other people’s faults, but they are unwilling to reflect on their own.

Man’s greatest enemy is not others, but himself.

Those who always feel right and always pass the buck will be rejected sooner or later.

Only by being aware of one’s own problems can one constantly correct and move forward.

Remember what should be remembered and forget what should be forgotten.

Change what can be changed and accept what cannot be changed.

-Salinger’s good girl

Life is like a mobile phone, no matter how high it is, it will get stuck with use.

Clear the memory regularly so that the mobile phone can be used normally.

The same is true of people.

Clean up the garbage of the mind regularly, learn to accept and learn to give up.

Only in this way can the heart be open-minded and at ease, and life can be comfortable and calm.

Marriage is a besieged city,

People outside the city want to go in,

People in the city want to come out.

—Fortress Besieged by Qian Zhongshu

Marriage has the warmth of marriage, and there is freedom to marry without marriage.

Life is a game of choice.

If you give up, you will get it, and if you get it, you will give up.

Don’t envy other people’s lives, because others may also envy you.

If a man drinks water, he knows it well.

It is enough to choose your own path and go on without complaining or regretting.

Author | Ru Fengjun

Source | Confucianism (ID: rufengdajia), a gathering place for Chinese scholars, the original number of super-quality Chinese studies. Everyone with temperature, value, interest and Confucian style will accompany you to understand China culture.

Layout | afterview

Picture | Picture Worm Creativity

Original title: "The 10 most touching sentences of world famous works should be read at least once in your life"

Read the original text

Special feature of 1905 film network From the extension of the Spring Festival to the re-release, just as the movie poster wrote, I pursued my "comeback against the wind" with the attitude of "not being optimistic".

It’s not easy to make sports movies, and it’s even harder to make them well.moreoverChina Ping PongWhat I want to tell is the story of China’s competitive sports "Ace Teacher" and the world table tennis overlord. Follow the characters to "cross" back to the moment of preparing for the World Table Tennis Championships 30 years ago, starringTimmy Xu、Duan Bowen、Cai Yida、guansen dingIn an exclusive interview with the 1905 film network, I admitted that, like most viewers, I couldn’t imagine where to start writing, which was enough to match the glory of China men’s table tennis.

Cai Yida, Timmy Xu, Duan Bowen, Ding Guansen (from left to right)

In the end, the "Five Tigers" met in the trough before the Jedi counterattack: failure, regret, injury and doubt … … Competitive sports has never been an overnight success. Why can China table tennis become the "strongest king"? They gave the answer with the 1995 World Table Tennis Championships.

Before becoming the "big devil"

The average age of the "Five Tigers" in "China Table Tennis Fight Back" was less than 30 years old when shooting, among which Dong Shuai was even "After 05". Compared with the training in ball skills, it is more important for them to find their own fulcrum close to the role from the real events and prototype characters of the year more quickly and accurately.

At that time, the Five Tigers were a special group of "representatives" of China men’s table tennis. They were not only the strongest players in the whole system, but also the hope and "undertaker" of China table tennis. The five men are different in age and style of play, each with its own characteristics, but the ultimate goal is only one: to help the men’s team play a "turnaround battle" in the shortest time before the World Table Tennis Championships.

It was the most difficult period of table tennis in China. On the one hand, compared with the fast-moving European rivals and the "old rivals" in Asia, our talents had a certain "broken file"; On the other hand, the targeted research on China in tactics by countries all over the world has also made our traditional dominant "first three boards" technology gradually lose its leading position.

The backwardness in concept, experience and training means has made China men’s table tennis fail many times. It was at this time that the "Five Tigers" were assembled by the new coaching staff from all echelons.

Duan Bowen, who plays Huang Zhao, is unanimously recognized as the most similar prototype in China Ping Pong. In order to achieve this effect, he needs to gain 30 pounds while doing a lot of exercise. However, being fat is more than just pursuing superficial "looking like". In the director’s view, this weight has become the "soul" of this role to some extent.

Duan Bowen revealed that Wang Tao played raw rubber backhand, and this time his practice in the film was mainly based on fast break of raw rubber backhand. Nowadays, this technology is not used much in the field, but Wang Tao fought against opponents from all over the world with backhand raw rubber. It is precisely because of "fat" that he has a strong enough core strength to support his own play, and the speed of backhand has become the main "killer" of Huang Zhao in the film.

The similarity between Duan Bowen and the prototype has been recognized by one of the "Five Tigers" and Ma Wenge, the technical director of China Table Tennis. Having really experienced the "lowest period" of China men’s table tennis, the former champion was particularly excited to see this story put on the big screen.

It is an unforgettable and valuable experience for Timmy Xu, who plays this character, to have a prototype directed by the crew at close range.

Before the film was released, his "face-changing" makeup was once on the hot search list, and "I can’t recognize Timmy Xu" became the feeling mentioned by the most viewers. Pull out eyebrows and apply black powder … … However, compared with making an issue of "face", Timmy Xu wants to be closer to the characters from the point of view.

"The change of appearance is only the most basic. The athletes at that time were actually in a different mood from the young people today. I was more (thinking) about feeling their spirit at that time. "

Seeing the "1995 World Table Tennis Championships" again on the set, Ma Wenge, as the technical director, felt that several actors really had the "Five Tigers" status and momentum, and he seemed to recall the feeling of winning every ball in that year. This is the most emotional game: there is excitement in front of the people in my hometown, tension in the face of the final "life and death", and pressure to fight a turnaround for many years.

However, for the actors who experienced this historical moment for the first time and the audience who saw the past behind the Wesling Cup through the lens for the first time, the "Jedi counterattack" presented in China Table Tennis has far exceeded the victory itself.

Looking at this "dream team" that dominates the world, we always have the confidence that "China table tennis will not lose". But at that time, it was more like an endless road and a group of "underdogs" in front of the "Five Tiger Generals". No one knows whether the result of hard work is to win or fail again, so before becoming the "big devil", be an invincible "Xiaoqiang".

It’s never "can’t lose", but it’s not afraid to lose or admit defeat. "If others have practiced for 1000 times, we will practice for 10,000 times", which is the China table tennis spirit that people are most proud of.

Today’s "Ma Long",is the answer of China table tennis for 30 years.

"How far are you from the world champion of the real national team?" During the filming of Ping Pong in China, Ding Guansen, who played the role of Liu Guoliang as the director of his youth in the film, chatted with the members of the second national team who assisted in the filming.

"In my heart, they are already one in a million," Ding Guansen recalled, "but he said,’ Guansen, I tell you, I play with Malone, and you play with Malone, and the result is the same. "Can only score by Malone’s mistakes.

When hearing this sentence, Ding Guansen admitted that he and several other teammates "stood up": "I really realized how cruel competitive sports are. And why can China table tennis be so powerful? Because there have been layers of people trying to go up. "

Ma Wenge, the technical director, including Ding Song and Kong Linghui in the "Five Tigers", once recognized the technical movements of several young people after watching them hit the ball: "The curve and speed of the ball are really real, and the playing posture can’t be exactly the same, but it’s not easy to achieve this level in a short time."

However, during the interview, several young actors "denied" their training achievements for more than 8 months in unison: Do you want to imitate any "killer" in front of the camera?

What I have learned in these months is just the fur in the fur.Through actual combat and training, they actually felt the "China table tennis" inside story, and they also had a completely different understanding of competitive sports and China sports "dream team".

"Director Deng Chao often says that this is not a story about success, but this film is about how to face failure." At the beginning of receiving the project invitation, Timmy Xu, like the vast majority of the audience, could not imagine where the glory of China table tennis should be most convincing.

The special "trough period" 30 years ago became the most suitable entrance.Every word is brilliant, but every word is brilliant: "Only this turnaround in 1995 laid a good foundation for the decades after (China table tennis)." Kong Linghui, who was still a "young player" in the team, said this after learning the story of China Ping-Pong.

Up to now, China has won the Wesling Cup 22 times. In the last 10 World Table Tennis Championships, the China table tennis men’s team has never let this honor fall by.

"Why is table tennis in China prosperous now? It is because so many predecessors were sweating and bleeding at that time, casting our last Great Wall. This history is worth being understood by more people (through this film), and they are the only ones who have table tennis in China now." Ding Guansen regrets.

Competitive sports has never been a smooth sailing "cool article". "When you choose to be an athlete, you choose the most difficult road."

"China Table Tennis" is a complete core of China sports "Dream Team" with its hard work on the field and cruelty outside the field. Now, the success of "Malone" is the most satisfactory answer to China’s ping-pong spirit.

　　Core reading

　　In the first quarter, the national banking insurance supervision system received a total of 22,651 complaints about insurance consumption, which was 9.90% lower than the same period of last year, but it was still running at a high level. The fundamental reason is that insurance companies have not really established the business philosophy of customer first, the awareness of protecting consumers’ rights and interests is weak, the implementation of the main responsibility is not in place, especially the management and control of sales behavior is weak. In this regard, the regulatory authorities have further strengthened the investigation and punishment of misleading insurance sales, organized and carried out "precision strike action", strictly rectified, dealt with quickly, and paid more attention to accountability, played a warning and deterrent role, and better protected the legitimate rights and interests of consumers.

　　Recently, the Insurance Regulatory Commission of the Bank of China, in combination with the evaluation of handling complaints about insurance consumption in 2017, held supervision talks with the principal leaders of 10 insurance companies, including Xinhua Life Insurance, China Life Insurance, People’s Life Insurance, Sunshine Life Insurance, Taikang Life Insurance, Zhonghua Property Insurance, Yongan Property Insurance, Taiping Property Insurance, Yingda Property Insurance and Zhongan Online, which ranked lower in complaint handling evaluation.

　　According to industry insiders, it is the first time that executives of various companies have been interviewed by the regulatory authorities, which reflects the determination of the regulatory authorities to protect consumer rights.

　　In recent years, with the improvement of people’s living standards, insurance products and services not only cover all walks of life, but also go deeper into people’s lives. While residents’ awareness of insurance consumption has been significantly improved, various consumer disputes have followed suit, and consumer complaints have emerged in large numbers.

　　What are the "hot spots" of these complaints? What are the deep-seated problems behind the development of the industry? How to improve? Our reporter interviewed the heads of relevant departments in China Banking and Insurance Regulatory Commission.

　　Insurance complaints are still running at a high level, and claims disputes and sales disputes are more prominent.

　　The data shows that in the first quarter of this year, the national banking insurance supervision system received a total of 22,651 complaints about insurance consumption, which was 9.90% lower than the same period of last year, but it was still running at a high level. In terms of property insurance, consumer complaints involved 10,944 pieces of property insurance. Among them, there are 8628 claims disputes, accounting for 78.84% of the total property insurance complaints. The claims disputes are still dominated by auto insurance claims, which mainly reflect the disputes over liability identification in the stage of loss determination and compensation, the slow limitation of claims, the disagreement over the amount of claims, the disputes over the reasons for refusing claims, and the claims disputes caused by the failure to explain the obligations of underwriting.

　　In terms of personal insurance, consumer complaints involved 11,707 personal insurances. Among them, there were 4,907 complaints about sales disputes, accounting for 41.92% of the total complaints about personal insurance, which mainly reflected the exaggeration of insurance liability or income, the failure to truthfully explain the important contract contents such as insurance period, consequences of failure to pay fees on time, loss of termination and maturity of payment, and false and untrue propaganda. There were 3246 complaints about claims disputes, accounting for 27.73%, which mainly reflected the disputes about responsibility identification, slow limitation of claims and the amount of claims. There were 1140 complaints about surrender disputes, accounting for 9.74%, mainly reflecting the disputes over surrender amount and the slow time limit for surrender. In terms of types of insurance, complaints about insurance services such as sickness insurance and medical insurance increased significantly, with a year-on-year increase of 41.63%.

　　"The complaint data and the market operation mastered by the regulatory authorities also confirm each other." The relevant responsible comrades in China Banking and Insurance Regulatory Commission said, "For example, in personal insurance complaints, sales disputes are relatively concentrated. In 2017, complaints caused by insurance sales accounted for 45.60% of personal insurance complaints, and complaints caused by misleading insurance liability or income accounted for more than 80% of sales disputes."

　　"There are many insurance complaints. The fundamental reason is that insurance companies have not really established the business philosophy of customer first, consumers’ awareness of protection of rights and interests is weak, and the implementation of the main responsibility is not in place, especially the management and control of sales behavior is weak." He said that the problem of some insurance companies "focusing on front-end sales but neglecting back-end claims, focusing on performance and neglecting services" is more prominent, and it is difficult to meet the growing insurance demand of consumers. At the same time, some marketers have unilaterally explained product terms and deliberately concealed important contents of insurance contracts, infringing on the right to know and legitimate interests of insurance consumers.

　　"The sales behavior of quick success and instant benefit not only damages the legitimate rights and interests of consumers, but also damages the reputation of insurance institutions and the social image of the industry." The person in charge said.

　　Internet insurance complaints have increased, and flight delay insurance and travel accident insurance are hot spots for complaints.

　　The chronic disease has not been removed, and the troubles are coming again. In recent years, complaints about Internet sales channels have increased rapidly. In 2017, insurance regulators received a total of 4,303 complaints about Internet sales channels, an increase of 52.64% over the same period in 2016. Among them, flight delay insurance, travel accident insurance, return freight insurance and hotel cancellation insurance sold through the Internet are the "hardest hit areas" for complaints.

　　Insiders pointed out that the reason for the surge in Internet insurance complaints is that the sales method is not suitable for fully protecting the legitimate rights and interests of consumers. Different from face-to-face sales, online insurance mostly explains insurance clauses, insurance liabilities and other contents to consumers by means of "tick reading", which easily causes consumers to ignore or misunderstand important information that affects their insurance coverage, leading to contradictions and disputes in later claims settlement. Second, the service package does not match the speed of business development. Online new business has expanded its territory, but there are not enough physical service outlets and personnel to match it offline; The data systems of some third-party Internet platforms are lagging behind, and they can’t be connected with the business systems of insurance companies in real time, resulting in the problems that consumers can’t inquire about insurance policies and enjoy insurance services in time after being insured. Third, when some large Internet platforms cooperate with insurance companies, they are in an advantageous position in terms of capital, information, customer resources, etc. The latter is difficult to effectively control their sales behavior, and it is easy to cause complaints.

　　"There are still some insurance companies that lack the scientificity and rigor of product design and development in pursuit of explosions and eye-catching, which is easy to lead to insurance consumption disputes." China Banking and Insurance Regulatory Commission, the responsible comrade, said that the regulatory authorities have been continuously cracking down on old problems and new problems.

　　On May 28th this year, China Banking and Insurance Regulatory Commission notified the administrative penalty decision of Quanzhou Central Branch of PICC Life Insurance Company. On the one hand, the company deceived the insured, lied that the product was sold within 7 days, and stated that "6% of the latest interest rates of major banks have been killed" and "the company enjoys dividend every year". At the same time, it refused to provide relevant information to the inspection team, which hindered supervision and inspection according to law. To this end, the company was fined 250,000 yuan, and the responsible person was severely dealt with.

　　The regulatory authorities will continue to maintain strict punishment and strict accountability.

　　The main problems of the 10 insurance companies interviewed this time focus on the high number of complaints about insurance consumption, the inadequate implementation of the complaint handling system, and more complaints about sales disputes and claims disputes. In addition to the top leaders, business department heads who caused more complaints were also required to participate in regulatory talks.

　　The responsible persons of the insurance companies interviewed all said that they would strictly implement the regulatory requirements, rectify within a time limit, properly handle complaints and disputes with effective measures, continuously improve their operating level and service quality, and effectively protect the legitimate rights and interests of consumers.

　　"To purify the insurance market and protect consumers’ rights and interests, we must fight a tough battle and fight a protracted war." China Banking and Insurance Regulatory Commission, the responsible comrade, said that the regulatory authorities will adhere to the "people-centered" regulatory concept, solidly promote the work of rectifying market chaos, severely investigate and deal with all kinds of illegal acts that harm consumers’ legitimate rights and interests, and continue to strengthen the management of misleading insurance sales and difficult claims.

　　Recently, China Banking and Insurance Regulatory Commission, China has further strengthened its efforts to investigate and punish misleading insurance sales, organized a "precision strike operation", strictly rectified, dealt with quickly, and paid more attention to accountability, playing a warning and deterrent role. "The regulatory authorities will continue to maintain a high-pressure situation of strict punishment and strict accountability for violations of laws and regulations, rectify and standardize market order, and better implement the protection of consumers’ legitimate rights and interests, forming a normal state." The person in charge said.

　　Insiders pointed out that after the merger of China Banking and Insurance Regulatory Commission, supervision showed stronger execution — — In view of misleading bank insurance sales, China Banking and Insurance Regulatory Commission recently hit a heavy blow. According to the report of China Banking and Insurance Regulatory Commission official website on June 6, the contents of insurance period and annualized rate of return declared by Sunshine Life Insurance when selling products were seriously inconsistent with the provisions of the insurance contract, which deceived the insured, and the illegal acts of Hohhot Jiadi Sub-branch of Bank of China, which allowed the insurance company staff to stay in the office to sell, participate in the bank’s agency insurance sales and "double record" work, Administrative penalties were imposed according to law: the insurance institutions involved were stopped accepting new business from banks for one year and fined 600,000 yuan; the banks involved stopped accepting new business from agency insurance for one year and fined 300,000 yuan; and the relevant responsible persons were also warned and fined.

According to the client news of Henan Daily, the epidemic prevention and control headquarters of Henan Province requires all localities to strictly implement the Administrative Measures for Epidemic Prevention and Control of Health Codes in COVID-19, Henan Province and the rules for assigning and transcoding health codes. Health codes are only used for epidemic prevention and control to serve people’s health, and are never allowed to be used outside the circumstances stipulated by the national and provincial epidemic prevention and control headquarters, and are never allowed to be used in scenes unrelated to epidemic prevention and control, and are never allowed to add or delete the database of health code risk personnel beyond the rules.

The provincial epidemic prevention and control headquarters once again asked all cities and counties to strengthen the management of health codes, and severely dealt with those who caused serious consequences due to improper use of health codes.

Editor Zhao Xi