A few days ago, the statistics released by the Ministry of Finance showed that from January to April, the national general public budget revenue was 8,317.1 billion yuan, up 11.9% year-on-year; General public budget expenditure was 8,641.8 billion yuan, a year-on-year increase of 6.8%. Overall, fiscal revenue continued to rise steadily, and fiscal expenditure maintained a high intensity. Experts said that the fiscal revenue and expenditure structure was further optimized and balanced in the first four months, reflecting that fiscal sustainability has improved with the steady recovery of the economy.

　　It is reported that in the first four months, the national general public budget revenue increased by 11.9% year-on-year, which was not only driven by economic recovery growth, but also affected by some special factors. For example, part of the income at the end of 2021 was put into storage at the beginning of last year, raising the base and lowering the income growth. Last year, small and medium-sized enterprises in the manufacturing industry deferred taxes and some taxes were put into storage at the wrong time this year, which boosted the income growth this year. In addition, a large-scale tax refund policy was implemented in April last year, and it returned to normal this year. The tax refund amount was greatly reduced year-on-year, which directly increased the income growth in April to 70%, which correspondingly increased the cumulative income growth from January to April. After deducting the above-mentioned special factors, from January to April, the national general public budget revenue increased by about 4% on a comparable basis, and the comparable growth rate increased by 1 percentage point compared with the first quarter, continuing the steady recovery trend.

　　General public budget revenue consists of tax revenue and non-tax revenue. From the perspective of tax revenue, from January to April, the national tax revenue totaled 7,037.9 billion yuan, up 12.9% year-on-year, and increased by about 4% after deducting special factors such as tax rebates.

　　Statistics show that from January to April, the domestic value-added tax increased by 58%, and increased by about 10% after deducting the tax rebate factor, which was mainly driven by factors such as economic recovery growth and the slow tax payment of small and medium-sized enterprises in manufacturing last year. Domestic consumption tax decreased by 17.9%, and value-added tax and consumption tax on imported goods decreased by 12%, mainly due to the high base in the same period last year. In addition, corporate income tax increased by 3.7% year-on-year.

　　The real estate market is still gradually recovering, with deed tax increasing by 6.3%, which has rebounded for three consecutive months, mainly driven by factors such as narrowing the decline of land transfer income and the recovery of second-hand housing market in some key cities; Property tax increased by 20.5%, and urban land use tax increased by 11.5%, mainly because the income in some areas was put into storage in advance at the wrong time; Farmland occupation tax decreased by 8.8%, and land value-added tax decreased by 15.2%.

　　Bai Yanfeng, a professor at the School of Finance and Taxation of the Central University of Finance and Economics, believes that from January to April, the national general public budget revenue and tax revenue achieved double-digit growth, even after deducting incomparable factors such as tax rebate, it also achieved positive growth, especially the growth rate of the first tax value-added tax after deducting the tax rebate factor still reached about 10%, and the income tax of the second tax enterprise also achieved positive growth. "These indicators all show that China’s national economy is fully recovering and getting better."

　　"Tax indicators that mainly reflect the status of business entities, such as value-added tax and corporate income tax, show a year-on-year growth trend, reflecting China’s strong economic resilience, great potential and full vitality. The proactive fiscal policy will further release the potential of optimizing the economic structure, continue to improve the effectiveness and accuracy of the policy, and promote the consolidation of the economic recovery momentum. " Li Xuhong, director of the Institute of Finance and Taxation Policy and Application of Beijing National Accounting Institute, said.

　　From the perspective of fiscal expenditure, financial departments at all levels strengthen the overall planning of financial resources, maintain the necessary expenditure intensity, and increase investment in weak links and key areas of economic and social development. Statistics show that from January to April, the national general public budget expenditure increased by 6.8% year-on-year. Key expenditures such as basic livelihood, rural revitalization, major regional strategies, education, and scientific and technological research have been effectively guaranteed. Among them, social security and employment expenditure increased by 10.3%; Education expenditure increased by 6.9%; Health expenditure increased by 8.7%; Urban and rural community expenditure increased by 3.1%; Expenditure on agriculture, forestry and water increased by 8%; Expenditure on science and technology increased by 9%; Expenditure on housing security increased by 8.9%.

　　Li Xuhong analyzed that the implementation of fiscal expenditure was strengthened in the first four months, especially in the fields of people’s livelihood and science and technology. "In the future, we should further optimize the structure of fiscal expenditure and give full play to fiscal funds ‘ Four or two thousand catties ’ The role of effectively promoting the expansion of investment in the whole society and promoting the recovery and growth of consumption. "

　　Special debt plays an important role in promoting the expansion of effective investment and maintaining stable economic operation. Statistics show that from January to April, 1,857.5 billion yuan of local government bonds were issued for project construction, including 330.3 billion yuan of general bonds, which were mainly used for the construction of non-profit public welfare projects such as rural revitalization, pollution prevention and control, and reinforcement of small reservoirs. The special bonds amounted to 1,527.2 billion yuan, which were mainly used for municipal construction and industrial park infrastructure, social undertakings, transportation infrastructure, affordable housing projects, agriculture, forestry and water conservancy and other key areas identified by the CPC Central Committee and the State Council, and promoted the construction and implementation of a large number of projects that benefited people’s livelihood, supplemented shortcomings and strong and weak items.

　　The relevant person in charge of the Ministry of Finance said that the next step will be to work with relevant departments to guide local governments to continue to do a good job in the reserve of special bond projects in accordance with the key areas determined by the CPC Central Committee and the State Council, continuously improve the quality of reserve projects, and give full play to the fund efficiency of special bonds.

1905 movie network news The first female film "Half the Sky" produced by Jia Zhangke and co-produced by BRICS countries will land in the national cinema on May 10th. The film tells stories about women in five different countries and backgrounds through five short films with different styles and characteristics. It not only redefines women’s strength, but also highlights women’s social and family values. The day before the release, the secrets of the four highlights of the film were revealed to the audience in advance.

　

Aspect 1: BRICS countries cooperate again to present wonderful stories.

The film "Half the Sky" shows the unique folk customs of each country through five short stories. For example, the traditional food "jiaozi" representing China families, the new trend of Russian young people communicating through dating websites and the daily life of traditional Indian families. Among them, actors Wang Luodan and Liu Bei play a mother and daughter in China’s jiaozi, showing the career worries of professional women and the life troubles of housewives one by one.

Aspect 2: Pay attention to the global hot topic "Online dating" and lead a heated discussion.

"Half the Sky" presents the common problems of female groups with five stories with different styles but equally wonderful. The film presents hot topics of global concern in recent years, such as South African female athletes being suspected of their gender, and Russia’s online dating has become a common practice but "seeing death". At the same time, China, Brazil and India all focus on the family, from housewives and professional women to family of origin’s injury and infatuation. Different storylines resonate with different audiences: "South African articles make people feel deeply, and gender can’t restrict us from doing anything. Women can also have strength and willpower beyond men." "When you questioned that women didn’t make money for their families, you didn’t expect that they created value far higher than money."

　

Aspect 3: picturesque, a wonderful trip with multi-cultural integration

The distinctive film styles and pictures in Half the Sky are a highlight. jiaozi is soft and warm, which makes the audience feel at home. "Online Lover" is colorful, and the color matching of the green grass red skirt is passionate and unrestrained, presenting a Russian village like an oil painting version … … The five female directors also incorporated their unique cultural customs into the film, showing the unique social environment and women’s status of each country while the film plot developed, bringing the audience a wonderful international trip.

　

Aspect 4: Assembling international outstanding female directors and focusing on "half the sky"

"Half the Sky" was directed by creative female film directors from China, Russian, Indian, Brazil and South Africa. China director Liu Yulin has been selected for Berlin Film Festival, Busan Film Festival, Taiwan Golden Horse Award and many other domestic and foreign film festivals. The film independently directed by Brazilian director daniela thomas was selected as the grand view unit of the 2017 Berlin Film Festival. The works of Russian director Elizabethan Stishova and South African director Sarah Blanck have been shortlisted for several international film festivals. It is worth mentioning that the Indian short film "Mom’s Holiday" was created by the team, and the director Ashwini Yiye Tiwari was voted as one of the most influential women in India by Indian magazines.

The film "Half the Sky" will land in the national cinema before Mother’s Day on May 10th.

The long-delayed COVID-19 epidemic has once again highlighted the indispensable and extensive influence of digital technology on a global scale. The rise of new technologies such as artificial intelligence, Internet of Things, 3D printing, augmented reality and virtual reality, and quantum computing is subverting the traditional economic and social operation mode and shaping new development opportunities. How a country responds to the various changes brought about by the technological revolution and establishes corresponding competitiveness around digital technology will not only determine its future economic growth, but also affect its geopolitical status. In this context, countries all over the world have put the digital transformation in the fields of economy, governance and life into the important agenda of the government, and increased resource input and policy support to improve their digital competitiveness.

Not long ago, the European Center for Digital Competitiveness of the European Advanced Business School (ESCP) released the Report on the Promotion of Global Digital Competitiveness in 2021 (Digital Riser Report 2021）。 The research report comprehensively uses the relevant data from the World Economic Forum, the World Bank and the International Telecommunication Union to evaluate and rank the current digital competitiveness of 137 countries around the world, and extracts the best practices of countries with rapidly rising digital competitiveness, so as to provide decision-making and action guidance for other countries. The relevant research conclusions have certain reference significance for countries around the world to understand the advantages and disadvantages of their digital transformation from a macro perspective and to calibrate the strategic direction of enhancing digital competitiveness.

The research report simplifies the definition of a country’s "digital competitiveness" as 10 equal weight factors in two categories: "digital ecosystem" and "digital thinking mode", and divides all countries into nine groups, namely, G7, G20 and Asia-Pacific, Eurasia, Europe and North America, Latin America and the Caribbean, Middle East and North Africa, South Asia and sub-Saharan Africa defined by the World Economic Forum. On this basis, combined with the data of the three years from 2019 to 2021, it is scored and ranked. Among them, the elements belonging to the "digital ecosystem" include the difficulty of obtaining venture capital, the cost of starting a business, the time required for starting a business, the convenience of hiring international talents, and the digital skills of university graduates; The "digital thinking mode" includes the digital skills of the working population, the attitude towards entrepreneurial risks, the diversity of labor force, the scale of mobile broadband users, and the acceptance of subversive business development ideas by enterprises. The scoring results intuitively reflect the changes of digital competitiveness of countries in terms of sub-items and overall, while limiting the ranking to nine groups is to ensure that the comparison baseline is relatively fair and the results are comparable. By combing the relevant evaluation results, the report puts forward three main findings:

Nowadays, the global digital competitiveness is changing.

The research report shows that while the digital competitiveness of some countries and regions is rapidly improving, some leading digital countries in public perception are gradually losing their advantages. Taking China and the United States as two digital superpowers, for example, during 2019-2021, China’s digital competitiveness improved obviously (+211), while the United States showed a decline (-72). Moreover, whether in the G7 or G20 group, the ranking of the increase in digital competitiveness of the United States is in a relatively backward position. The analysis believes that the decline of digital competitiveness in the United States is mainly driven by the dimension of digital ecosystem, including a series of adverse effects such as increasing immigration and visa barriers, which makes it more difficult to attract international digital and information professionals. The promotion of China’s competitiveness is mainly reflected in its strong advantages in the dimension of digital thinking mode, including the proposal and deployment of a series of national overall strategic plans, and taking scientific and technological innovation and entrepreneurship as important measures to achieve high-quality development.

In addition to the United States, Britain (-85), Sweden (-92) and other developed countries in digital technology also failed to show a significant increase in digital competitiveness. India (-396), Germany (-176) and other big countries even experienced a sharp decline in competitiveness in both digital ecosystems and digital thinking modes. However, some countries, such as Georgia (+153), Egypt (+258), Canada (+47) and Vietnam (+339), which do not have a high digital starting point, have become the leaders in this field because they have implemented a series of fruitful digital transformation measures. To some extent, this shows that the global digital competitiveness pattern is in the process of dynamic reorganization, and new global digital technology leaders will appear in the future.

Digital competitiveness is closely related to digital transformation measures.

The research report collects the "Best Practice" of digital transformation in G7, G20 and seven regional economic groups whose digital competitiveness has increased significantly in the past three years, covering the actual progress in the fields of strategic planning, policy assistance, investment support and perfect supervision. For example, through the implementation of the "National Innovation and Skills Plan", Canada set up a strategic innovation fund for digital transformation, adding more than 70,000 jobs, driving more than 45 billion US dollars of investment, and injecting new vitality into the national economy; Vietnam pushes the "National Digital Transformation Plan in 2025", vigorously advocates the adoption of emerging digital technologies, builds a digital government, and sets a long-term goal that the digital economy will account for 30% of the national GDP by 2030; Egypt has vigorously promoted the "ICT 2030 Strategy" and the "Digital Egypt" plan, thus becoming the leader of digital transformation in the Middle East. Therefore, the report believes that the promotion of national digital competitiveness is closely related to the government’s clear long-term goal of digital transformation and leading the formulation and implementation of comprehensive planning for digital transformation.

To enhance digital competitiveness, we need to support digital innovation and entrepreneurship.

The research report found that countries with rapidly rising digital competitiveness pay great attention to attracting international talents, promoting innovation and entrepreneurship, and strengthening the education and training of digital skills. For example, Italy has established a legal framework to provide visa convenience and tax incentives for start-up companies and scientific and technological talents through the Entrepreneurship Law (ISA), thus attracting tens of thousands of start-up companies to register and operate in Italy in just three years; The Spanish government has launched a series of entrepreneurship support policies, including the Entrepreneurship Promotion Law, the establishment of a national entrepreneurship office, and the introduction of outstanding international talents. Georgia is actively implementing the "2017-2021 Strategy for the Unification of Education and Science" to promote the modernization of science, technology and innovation system.

In view of this, the research report emphasizes that each country needs to fully develop its own digital thinking mode and digital ecosystem, and pay attention to the speed and effectiveness of policy implementation in order to improve its digital competitiveness. At the same time, from the evaluation results of global digital competitiveness in 2021, under the influence of multiple factors, the speed of digital transformation varies greatly among different countries, and the global competition pattern around digital transformation also shows a rapid change trend, and there may be many possibilities in the future. Generally speaking, countries that attach importance to and vigorously promote digital transformation can basically make significant progress in a relatively short period of time. Even countries with weak digital foundation can realize the acceleration of digital transformation after taking appropriate actions and measures. Therefore, governments should attach great importance to and carefully consider the future strategic decision-making and management mode in this key field, and effectively promote digital transformation based on actual national conditions.

Forwarding Provincial Anti-counterfeiting Office, Tobacco Monopoly Bureau and Public Security Department on

Notice of Guangdong Province’s special action plan for cigarette counterfeiting this winter and next spring

No.82 [2003] of Guangdong Government Office

People’s governments at the local and municipal levels, departments and institutions directly under the provincial government:

　　The Provincial Office for Combating the Illegal Activities of Making and Selling Fake and Inferior Commodities (hereinafter referred to as the Provincial Anti-counterfeiting Office), the Tobacco Monopoly Bureau and the Public Security Department’s "Special Action Plan for Cigarette Anti-counterfeiting in Guangdong Province this winter and next spring" have been approved by the provincial people’s government and are hereby transmitted to you, please follow the implementation. Please contact the provincial anti-counterfeiting office directly for the problems encountered in the implementation.

General Office of Guangdong Provincial People’s Government

October 28th, 2003

Special Action Plan for Cigarette Counterfeiting in Guangdong Province this winter and next spring

　　In order to further crack down on the illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes, purify the cigarette market environment, safeguard the legitimate rights and interests of enterprises and consumers, and standardize the market economic order, this special action plan is formulated according to the requirements of the "Guangdong Province Anti-counterfeiting Work Plan in 2003".

　　-guiding ideology

　　Guided by Deng Xiaoping Theory and Theory of Three Represents, conscientiously implement the spirit of the 16th CPC Central Committee and the Third Plenary Session of the 16th CPC Central Committee and the spirit of General Secretary Hu Jintao’s important speech on inspecting Guangdong, adhere to the principle of "combining crackdown with prevention, treating both the symptoms and root causes, and paying equal attention to rectification and standardization", and follow the unified arrangements of the State Council, the provincial party committee and government, and the requirements of the State Tobacco Monopoly Bureau, the Ministry of Public Security and other relevant departments. According to People’s Republic of China (PRC) Criminal Law, People’s Republic of China (PRC) Criminal Procedure Law, People’s Republic of China (PRC) Tobacco Monopoly Law, People’s Republic of China (PRC) Tobacco Monopoly Law Implementation Regulations and other relevant laws and regulations, all relevant departments should, under the leadership of the local government, carry out their duties, cooperate closely and cooperate with each other, severely crack down on illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes, severely punish criminals, and further consolidate and expand the achievements of cigarette counterfeiting and rectifying and standardizing the market economic order in our province.

　　Second, the work objectives

　　(a) the establishment of "the local government is responsible for the guidance and coordination of the anti-counterfeiting office, all parties work together, and the masses actively participate" in the leading mechanism and joint case handling mechanism of cigarette counterfeiting. The provincial anti-counterfeiting office is responsible for the organization, coordination and inspection of cigarette anti-counterfeiting work; Tobacco, industry and commerce, quality supervision and other departments are responsible for investigating and dealing with illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes according to law; The public security department is responsible for investigating suspected criminal cases such as manufacturing and selling fake and shoddy cigarettes and illegally assembling and reselling cigarette machines; The supervision department is responsible for investigating the responsibility of public officials who violate the law and discipline, and supervising the implementation of the responsibility system for counterfeiting.

　　(two) combined with the "solid foundation" work, pay close attention to the implementation of cigarette counterfeiting responsibility system. Governments at all levels should conscientiously implement the responsibility system for counterfeiting, especially the implementation of the responsibility system for counterfeiting cigarettes at village and town levels.

　　(3) Effectively control the momentum of large-scale, mass and group-based illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes in key areas of our province, so that the incidence rate of major cases of manufacturing and selling fake and shoddy cigarettes has dropped significantly.

　　(four) check the network, dig gangs, end dens, catch the principal offenders, and thoroughly investigate and deal with a number of major cases involving a wide range, serious circumstances and bad nature; Dig deep into the source of counterfeiting in the production of hoods, tobacco and printed trademarks and their behind-the-scenes planning, organization and funders; Severely punish a number of ringleaders and their "protective umbrellas" who commit crimes of manufacturing and selling fake and shoddy cigarettes according to law.

　　(five) the provincial tobacco monopoly bureau should strengthen the clean-up and rectification of the cigarette market, and cooperate with the industrial and commercial departments to do a good job in daily management.

　　Third, key remediation areas

　　This winter and next spring, the key rectification areas of cigarette special anti-counterfeiting action are: Guangzhou, Shantou, Jieyang, Chaozhou and Maoming; The key counties (cities, districts) for rectification are: Chaoyang District and Chaonan District of Shantou City, Raoping County and Chaoan County of Chaozhou City, Jiexi County, Huilai County and Puning City of Jieyang City, Huidong County of Huizhou City, Baiyun District of Guangzhou City, Zengcheng City and Dianbai County of Maoming City. Other parts of the province should also intensify the crackdown and prevention to ensure that the illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes do not spread or spread.

　　Fourth, the time schedule

　　The special campaign lasted from October 2003 to March 2004 and was conducted in three stages:

　　The first stage (preparatory stage): from the end of October to the end of November, 2003, make a thorough investigation, grasp the basic situation of illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes and their leaders and backbones within their jurisdiction, and formulate specific action plans.

　　The second stage (strike stage): from late November 2003 to the end of January 2004, a large-scale inventory operation was jointly organized to crack down on illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes and severely punish criminals and their "protective umbrellas". During the New Year’s Day and the Spring Festival, governments at all levels and relevant departments should actively organize forces and cooperate with each other to set off a climax of cracking down on illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes.

　　The third stage (summary and commendation stage): from the first ten days of February to the end of March, 2004, the provincial anti-counterfeiting office will take the lead in inspecting and supervising the special anti-counterfeiting operations in winter and spring in various places, and commend and reward the units and individuals that have made outstanding performance during the special operations.

　　V. Organizational leadership

　　In order to strengthen the leadership of the special campaign against cigarette counterfeiting this winter and next spring, and ensure the effectiveness of all the work, the provincial government decided to set up a special action supervision group to be responsible for the coordination and command of the special action. The steering group is led by the provincial anti-counterfeiting office, and its members are composed of relevant personnel from the anti-counterfeiting office, public security, industry and commerce, quality supervision, tobacco, discipline inspection and supervision departments.

　　VI. Job Requirements

　　(A) to raise awareness and strengthen leadership

　　The illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes have destroyed the normal social and economic order, damaged the honest, trustworthy, fair and competitive market environment, endangered the physical and mental health of the broad masses of people, caused huge economic losses to the country and enterprises, and damaged the image of our province. Governments at all levels and relevant departments should fully understand that cracking down on the illegal and criminal activities of manufacturing and selling fake and shoddy cigarettes is an important measure to rectify and standardize the market economic order and improve the socialist market economic system from the height of practicing Theory of Three Represents; Fully understand the particularity, long-term and arduousness of cigarette counterfeiting, overcome slack thinking and war-weariness and make unremitting efforts. Governments at all levels should adhere to the principle of "keeping the soil responsible", and take cigarette counterfeiting as an important part of counterfeiting work. The leaders in charge of the government should personally grasp it, organize it carefully and make careful arrangements. All localities should refer to the practice of the province, set up corresponding institutions, and effectively strengthen the organization and leadership of special actions.

　　(2) Close cooperation and coordinated operations.

　　Cigarette counterfeiting involves a wide range, and all relevant functional departments should carry out their duties, coordinate and cooperate, and make key breakthroughs to ensure the effectiveness of all work. Tobacco, industry and commerce, quality supervision and other administrative law enforcement departments should intensify the investigation and punishment, and the suspected criminal cases should be promptly transferred to the public security organs for handling in accordance with the Provisions of the State Council on the Transfer of Suspected Criminal Cases by Administrative Law Enforcement Organs, and punishment should not be substituted for punishment. Public security organs should promptly carry out investigations, collect criminal evidence and arrest criminal suspects. Public security and judicial departments at all levels should actively study issues such as fact finding, evidence confirmation and application of laws according to the new situation and new characteristics of cigarette counterfeiting and selling activities, and punish illegal and criminal cases with serious circumstances and bad influence quickly and severely according to law in order to deter criminals. Public security organs in Guangzhou, Chaoyang, Chaonan, Puning and other places should intensify their efforts to pursue suspects who are at large in manufacturing and selling counterfeit and shoddy cigarettes, and strive to bring them to justice during special operations. Supervisory organs at all levels should strengthen the system of administrative accountability, and seriously investigate and deal with acts such as state staff participating in or sheltering the activities of manufacturing and selling fake and shoddy cigarettes and neglecting their duties and engaging in malpractices for selfish ends in the process of cigarette counterfeiting; In case of major or malignant cases caused by passive slackness and ineffective work, the responsible persons of local governments and relevant responsible persons shall be investigated according to law. Provincial Radio and Television Group should pay close attention to the installation of large-capacity three-phase electricity and inform the provincial public security department in time.

　　(3) Strengthen publicity and guidance, and strengthen supervision by public opinion.

　　Governments at all levels and relevant departments should, with the help of television, radio, newspapers and other news media, strengthen the publicity and reporting of the special campaign against cigarette counterfeiting this winter and next spring in accordance with the requirements of "highlighting key points, grasping opportunities and creating momentum", and focus on publicizing the firm determination, positive actions and remarkable achievements of our province in attaching great importance to cigarette counterfeiting, making unremitting efforts and severely punishing according to law, so as to form a strong publicity momentum in the whole society and deter criminals. It is necessary to carry out publicity and education on laws and regulations among the broad masses, obtain the support and cooperation of the masses, especially do a good job in ideological education of village and town cadres in key areas, earnestly implement the responsibility system for counterfeiting, and promote the in-depth development of cigarette counterfeiting work.

Guangdong province crack down on manufacturing and selling fake and shoddy goods illegal behavior office

Guangdong tobacco monopoly bureau

Guangdong Provincial Public Security Department

October 27th, 2003

The submission of this article was first published in April, 2021 of Retail Bank.moon

During the Spring Festival in 2021, what do you think has the greatest impact on finance?If you are a real banker, you will tell me "I don’t know". Because getting off to a good start is the most important period for the bank’s business development in one year, and it is also the period when the personnel are the most green and yellow. Serious bankers are busy grabbing business at a good start. They don’t even have time to grab business. Bankers who can only wait in line to ensure normal operation have no energy to pay attention to the society. Even on New Year’s Eve, they are still thinking about which relatives to get a credit card and which relatives to recommend funds for tomorrow’s New Year’s Eve. In the Spring Festival of 2021, it was not the Spring Festival Gala, in which the program was getting worse every year, nor Tik Tok, who robbed the right of red envelopes in the Spring Festival Gala, nor Hi, Mom, who moved countless people to shout "Me too". I want to say that the cover of WeChat red envelopes should have the deepest impact on finance.

Wechat red envelope coverIt seems to be a very simple thing, that is, adding a brand, beautiful and personalized cover to the red envelopes that we often send to each other on WeChat. This cover can be a picture or a video, which adds some fun to the originally monotonous red envelopes. The process of getting the cover of the red envelope is full of activities, participation, collection and attention, which makes users enjoy it and creates good opportunities for more brand businesses to spread. A few banks, having discovered the brand building opportunities brought by the cover of red envelopes, made a small test of water during the Spring Festival, creating a particularly lively New Year with as little face-to-face contact as possible. The e-commerce, retail and internet industries have a greater impact. Xiaomi, Louis Vuitton, Akiba PPT, Volkswagen and other brands have taken this opportunity to reshape their brand image and get in touch with customers. When the process of applying for a red envelope cover with a personal number was simplified, a higher upsurge was set off.

We say that a good start is a favorable opportunity for banks to redistribute a large amount of liquidity during the Spring Festival, and when many people are celebrating the Spring Festival in the same place this year, the cover of red envelopes has become a new means of redistributing liquidity. Today, let’s talk about how a red envelope covers the bank’s opening to the Internet, the impact a red envelope covers on WeChat, society, customers and enterprises like banks, and how to make good use of WeChat red envelopes to expand the bank’s business and brand influence.

First, understand the cover of WeChat red envelope

In order to prevent some bank friends from really getting off to a good start, they didn’t touch the cover of the WeChat red envelope. We have a simple understanding of the cover of WeChat red envelopes. Focus on understanding a red envelope game, what kind of development strategy and ambition is hidden behind WeChat.

1. The craze for red envelope covers

In fact, the craze for the cover of red envelopes is particularly easy to spread, because everyone gives out red envelopes during the Chinese New Year, but suddenly someone gives out red envelopes with different covers, which will soon attract others’ attention. then what After everyone grabbed the red envelope, the focus of WeChat chat naturally turned to how to get these personalized covers. It is also very simple to use, mainly divided into three steps:

(1) production

Enterprises or individuals apply for and make red envelope covers according to their own brand image. Note: This cover is not a normalized style template, but can be customized. What is this? This is the advertisement that enterprises can do. Isn’t our bank the favorite to do touch?

(2) Distribution

Red envelope covers can be distributed through many channels, and individual users who like them can find brand channels to collect them. When you send out your own red envelopes, choose the right cover among the many obtained red envelopes and send them out with the red envelopes. That is, the distribution of red envelopes has been completed, and publicity has been completed for enterprises.

(3) Experience

As an ordinary individual customer, when you see someone else’s red envelope, you can see the cover with personality style on it. After clicking, you can see the picture or video of the cover of the red envelope in addition to the amount of the red envelope. Excellent cover design will be sought after by many users.

2. The business logic behind it

Why does a simple red envelope cover attract everyone’s attention? Behind this lies a simple combination of understanding of human nature and business logic.

(1) Customer gradient

Many banks use financial assets to measure customer gradient, and many enterprises use consumption quotas to identify customer grades. Have you ever thought that this customer gradient is the level of customers you like, and through the cover of the red envelope, you can know what kind of customers like you, and you can distinguish the level that likes you. The simplest thing is that customers who like the cover when they see the red envelope are junior; Customers who are willing to search for the cover of red envelopes are intermediate; It is senior customers who are willing to participate in various activities of the brand and strive to get the cover of the red envelope. If you don’t like the brand, customers don’t have the initiative to get red envelopes, which can enhance the appeal of the brand and test the appeal of the brand.

(2) brand ownership

The role of brand building is to build a consensus, which can make customers automatically belong. On the cover of the WeChat red envelope, this automatic attribution will easily appear. For example, you sent a red envelope with the cover of "the glory of the king" in the group of "loving family", and then your three cousins and four cousins sent you "I didn’t expect you to be such a cousin, chatting privately." Reply, you quickly build a group of "brothers in battle, fathers take you to fly" and drag them into the group. You see, a red envelope covers all the the glory of the king children in the relatives.

(3) Achievements

The reason why red envelope covers are sought after is that they are rare. According to the rules of play, the red envelope covers issued by enterprises are charged, so the quantity must be limited. Maybe we can develop a function of "collecting envelopes" to collect red envelope covers in the future. A limited number of things will lead to rare looting and personalized people without me. In many fields, this limited edition thing is synonymous with achievements such as "senior", "professional" and "peak".

(4) Social fission

Understand the gameplay and understand the algorithm. The red envelope cover provides enterprises with a low-cost fission means of WeChat platform to realize the rapid expansion and transmission of brands. What do you have in mind? Yes, involution, if you don’t deliver, others will seize your market. So what is the fission effect from the perspective of cost? Let’s look at the following formula.

Fission algorithm: number of covers issued × number of people receiving red envelopes each time/cover production cost = fission efficiency.

Briefly explain:

Number of Covers Issued: it is the total number of red envelope covers issued by individual users after receiving them.

Number of people receiving red envelopes each time: it is the total number of people receiving red envelopes after a red envelope with a cover is sent out.

The multiplication of the above two is the total number of people affected by the cover of the red envelope.

The cover production cost includes: the total of design fee, production fee (star invitation, film shooting, post-processing, etc.) and red envelope cover application fee.

Fission efficiency: that is, the number of customers affected by each dollar spent on the cover of red envelopes.

3, the role of the bank

What benefits can our bank get from the cover of the red envelope? Can it break the fate of the bank "holding money without getting customers"? Don’t tell me yet, there may be.

(1) Expanding channels

The bank’s self-built online channels include Palm Bank, various apps, various WeChat official account, various applets and various video numbers. In most cases, these access channels need to have a front, that is, you have to have them before you can receive their publicity. The cover of WeChat red envelope is different. As long as a few customers have it, it can be quickly dispersed and spread, and it can attract these customers to the online channels of banks. Although he may not be a customer of your bank, he is already a channel user of your bank.

(2) Brand promotion

Most banks’ brands are not fresh, and they lack interaction and communication with customers. One-way publicity has become the biggest dilemma for bank brand expansion. In the red envelope cover, there can be not only pictures, but also videos. More importantly, in the process of obtaining the red envelope cover, more activities and interactions can be implanted, so that people can express their opinions after knowing and understanding the brand. This is the way to find "play".

(3) Customer activation

The entire banking industry has the largest customer base in China. It is reported that the total number of individual customers of major banks in China exceeds 4 billion, and the per capita population in China exceeds 2 bank accounts. Since 2015, the financial circle has been killing pigs in an endless stream, and the common people (603883, shares it) have reached the point of talking about financial discoloration after several years of "thinking on the top floor balcony". Factors such as reduced contact between banks and customers, weak demand for financial services, and decreased customer arrival rate at bank outlets have brought about an increase in the proportion of bank customers sleeping and a faster sleeping speed. The cover of the red envelope solves the dilemma of the bank for many years: how to realize the rapid serial number interaction without customers reaching the outlets? Even the cover of a red envelope can quickly activate a large number of sleeping customers with only a few customers at the beginning in the communication process. You can never wake up a customer who is pretending to sleep, but a red envelope can.

(4) Get customers

After empowering customers with communication functions, banks quickly realized the blurring of cultural boundaries. Cross-border communication of customers will bring customers with customers. In many activities of banks, we can combine the cover of red envelopes with offline New Year activities to turn channel "users" into "customers". If online account opening is not restricted by regulations, pure online customer acquisition can be realized.

Second, contact the cover of WeChat red envelope

Well, action is better than action. Whether you are an account manager struggling at the grassroots level or a product manager looking for a way of customer flow at the top, let’s take a look at how the cover of the red envelope is played.

1. Enterprise application

Banks can apply for a red envelope cover as an enterprise, and bank account managers can apply for a red envelope cover as an individual. The process is not complicated, but because the ingenuity is very different, the final effect will be different. At the very least, a good-looking cover will be robbed by more people.

Bank application, through the red envelope cover open platform (cover.weixin.qq.com). The process is very simple. When we introduce the process, we will also introduce some design points of the process:

(1) Qualification: Enterprises, governments, media and other organizations, and banks are one of them. Before registration, we have completed the enterprise certification of WeChat WeChat official account, or the certification of enterprise video number (open certification after 1000 powder).

(2) Cover customization: upload the prepared pictures, texts and video materials as required. Mainly includes:

Cover Style: The cover style mainly determines the styles of red envelopes in four states: one is the message bubble of red envelopes, which is the style of a line of message bubbles displayed when red envelopes are distributed in the chat window; The second is to open the red envelope page, which is the style of the red envelope with the word "grab" when the message bubble is clicked to grab the red envelope; The third is the details of the red envelope, which is the style of how much money everyone grabs after clicking the word "grab"; The fourth is the cover story page. After the details page is pulled down, the brand style on it will become bigger and enter the cover story page. These style pages naturally need to upload pictures, bank logo and other materials. The main points are good-looking design, brand characteristics and the needs that customers may pursue (such as stars, etc.).

Cover story: the cover story is the signal focus of the red envelope cover transmission. Just like after eating a box of chewing gum, I found a water margin 108 collection card hidden in the chewing gum box. You can use pictures and videos here, yes, you can have videos for up to 15 seconds, and you can also mix video pictures, allowing a total of five materials. When users watch, they can slide horizontally to turn pages.

Additional links: You can also attach links at the bottom of the cover story. This link can be WeChat official account, video number, applet and so on. When you receive a red envelope, read the story, and are interested in the bank, the cover and any product, you can see the link by pulling down and click to enter various channels of the bank for in-depth understanding. Think clearly about all aspects of drainage for you.

(3) Submit for review: When all customized contents are confirmed, they will be submitted to Tencent for review, and the review time is generally 1-3 days.

(4) Order payment: Just like finding a printing factory to print red envelopes for you, you set the style, then determine the quantity, and you can get the red envelope cover you want after payment. Try 10 pieces for free, and 1 yuan/piece after more than 10 pieces. Now do you know where the "cover production cost" is in the previous formula?

(5) Cover distribution: After placing the order, you can get the distribution method of the red envelope cover, generally there are three ways: QR code, serial number and receiving link. These three distribution methods, combined with diversified online channels and strange operational gameplay, can form countless fission methods. Are you still worried that you won’t get customers online? One way a week, half a year’s activities are not repeated.

2. Individual application

If you are an account manager and already have certain customer resources, then applying for a red envelope cover by yourself can enhance your stickiness to customers. Many account managers already have a good private traffic community, creating a personal design that customers like and recognize, so the red envelope cover will help you strengthen your personal brand. On the individual application, the procedure is simpler, which is slightly different from the enterprise application. Here, we only say the different parts:

(1) Apply for qualification: individual users with video numbers who have completed personal authentication. Note that it is not WeChat official account, but video numbers. Publish at least one video and get 10 likes. This is too easy.

(2) Different from enterprise application:

No need to review, just apply.

Only two models can be customized, and only 10 models can be issued each. You can only make an experience version.

Free, no money. You can’t give money if you want, because you won’t increase the quantity.

You can only get it through small programs.

For a personal brand of a bank, 20 red envelope covers are probably enough, but if it is a online celebrity, bilibili UP owner, anchor with goods, etc., it is probably not enough.

3, a few tips

(1) Catch early: Just like WeChat sending red envelopes, many people didn’t respond in the first year, and in the second year it became a customer habit for everyone. The threshold of red envelope cover is very low, which will become the normal state of brand building in the future, so catch early and enjoy early, and catch late without discount.

(2) Beautiful, cool and interesting: the cover of the red envelope should look good, and someone will grab it if it looks good; Personality is needed, and personality will be refreshing in this highly homogenized market; What if there is nothing? There are videos, which can be interesting, and cut into the interests of different customers.

(3) User’s standpoint: Remember the previous fission algorithm? If banks only care about their own brand promotion, they can increase the number of red envelope covers, and people will rob you if they like you. But don’t forget to consider from the user’s point of view, whether the person who grabs the red envelope will like it when he gives it, which is related to the bank’s remembering that the user uses your cover to help you promote it, and you have to be responsible for the user’s taste, otherwise he won’t send it out when he gets it. After all, he can get a variety of red envelope covers in the future.

(4) Less complete sets: Why do customers grab red envelopes? Because the amount of red envelopes is small, the number of people who get points is also small, and if you grab it slowly, it will be gone. Then why did you grab the cover of the red envelope? We’re going to make the red envelope cover less, and it’s also a complete set. You need one that can kill Virgo. If you cooperate with the activities of a super loyal customer, for example, if you collect 108, you will get a set of two "thin gold lettering" and "Ruihe map" of Song Huizong calligraphy and painting commemorative credit card on the cover of the red envelope. This will definitely become an explosion in the circle.

Third, the drainage of the red envelope cover

The cover of the red envelope is ready, so we can rush towards the customers like the stars and the sea. How to drain the red envelope has become the most interesting part. Combined with the offline ability of the bank, it will definitely make the year’s activities colorful.

1. Basic logic of drainage

When you start to talk about methods, you can speak quickly, listen well and forget everything. Therefore, you should talk about logic first, so that your friends in banks can have the ability to create their own drainage methods. Otherwise, the case will always eat what others spit out. So what is the basic logic of the drainage on the cover of WeChat red envelope? It is the following formula.

Scene+channel+function+play = drainage method

We have talked about two formulas today. What does this formula mean? It is where, what function, and how to play with customers that they will take the bait. Let’s take a look at what these four elements have in the cover of the red envelope.

(1) Scenes

The application of the red envelope cover includes two scenarios, one is when the user receives the red envelope cover, and the other is when the user uses the red envelope cover to send a red envelope. Therefore, the fission process we designed needs to consider the psychology and behavior of users at these two time points.

(2) Channels

There are many channels that can realize the fission of red envelope cover. From the logic that everything is a channel, almost everything that can be seen can be turned into a channel. Then for banks, it is mainly divided into online channels and offline channels.

Because the red envelope is online, there are many online channels, including: WeChat official account, video number, APPlet, circle of friends, WeChat group, live broadcast, own app and so on. Offline channels are mainly divided into traditional offline channels of banks, outlets, self-service equipment, employees, etc. And the channels of partners, that is, his outlets, self-service equipment, employees, etc.

(3) Function

The fission function is mainly reflected in the distribution of red envelope covers, which can be divided into two types: bank initiative and customer initiative. The functions of customers actively looking for the cover of red envelopes are mainly reflected in: QR code, serial number, receiving link, searching and so on. The main functions of the bank’s initiative to issue red envelope covers can be used: turning cards in the circle of friends, grouping red envelope eggs, blessing bags for auspicious words and so on.

(4) Play

The gameplay is mainly a method of interacting with customers, or it is designed to be evil. It can be said that the whole customer is a method. After all, things given away for nothing are too easy to get and won’t be cherished. These methods can be solved by technical means, regardless of online or offline, including: lottery, praise collection, attention, registration, sign-in, games, questions and answers, updating, binding ID cards and so on. How to do these details will not be introduced one by one, but will be mentioned in the following examples.

3. Drainage method

The logic is clear, and the tools are available, so that the past is available, and it is much easier to talk about methods, and to tell examples also knows what logic is in line with and what tools are used. We will not be limited to these cases, but also design our own methods according to various circumstances and opportunities. Let’s give some examples below.

(1) The applet registers for the lottery to get the cover.

Formula substitution: get cover+applet+QR code (or serial number)+registration (lottery, pull new)

Effect target: Drainage, innovation, collecting customer data, creating scarcity and improving taste.

adaptability: cover content suitable for high-end customers and high-end cultural themes.

method of workA bank and a national museum made cultural integration and produced a set of 9 Zhang Guobao series red envelope covers. Then the way to collect the cover of the red envelope can be to enter the small program of the bank or the National Museum, complete the account registration, and fill in the complete personal information, so as to obtain the qualification for a lucky draw and complete the lucky draw reservation. Every time you invite 3 friends to register, you can get an extra lucky draw. On the lucky draw day, WeChat official account issues serial numbers or QR codes to the winning customers to extract the red envelope cover.

(2) WeChat official account Drainage Plus Product Matrix won customers.

Formula substitution: Get the cover+WeChat official account+QR code (or serial number)+Laxin (follow WeChat official account)

Effect target: drainage, innovation, expansion of coverage, publicity of bad reviews

adaptability: banks suitable for broad-spectrum product promotion and popular positioning.

method of workA bank made nine high-quality products into a red envelope cover matrix, and pushed the red envelope cover poster through WeChat official account. Customers shared the red envelope cover poster with their friends, and three friends paid attention to WeChat official account, so they could get the red envelope cover. How nice it was, there was no need for a lottery, but only one of the nine models could be obtained. After that, you will be further prompted that you can continue to increase the attention of your friends and get other red envelope covers. There has always been a new one, 9×3=27, and the fission is 27 times.

(3) Video number to WeChat group

Formula substitution: Get cover+video number+red envelope egg or lucky bag (QR code or serial number)+WeChat group.

Effect target: Strengthen the division of channels and traffic, and turn public domain into private domain.

adaptabilityIt is suitable for individual account managers to share private domain traffic from the bank traffic pool and subsidize loyal customers.

method of workPrompt the customer by watching the video number, the bank sends out a red envelope cover, asking to pay attention to the video number, and privately sends the video number. The video number assistant will invite the user to enter the exclusive welfare group, and the account manager will obtain the QR code or serial number received by the red envelope cover through the welfare group to distribute red envelope eggs and lucky bags. This group can be a customer maintenance group established by the account manager at the beginning. After the video number is issued with a red envelope cover, in this way, more customers can be obtained from the bank’s large flow pool. Of course, it would be even more beautiful if the account manager’s personal video number can still get customers.

(4) star drainage plus product experience

Formula substitution: Get cover+video number (WeChat official account)+QR code (serial number) +APP task.

Effect target: channel migration, functional experience and user habit formation

adaptability: the expansion of functional apps such as pocket banking.

method of work: Launch a red envelope cover with celebrity endorsements, and then set up a continuous task interface in the APP that needs to be promoted (such as handheld banking). Then remind customers in the WeChat official account or video number that the way to get the cover of the red envelope is to download the APP and complete the daily task in the APP. Of course, this task is to familiarize customers with the use and develop basic user habits. Naturally, the simpler the better. Then, one week after the daily task is completed, the APP will automatically issue the serial number of the red envelope cover.

(5) The combination of online activities and offline activities

Formula substitution: issuing red envelopes+offline outlets (partners punch in)+QR code (serial number) +APP task.

Effect target: Strengthen customer life connection and realize traffic conversion with partners.

adaptability: form brand gathering and customer sharing when co-building offline brands with partners.

method of workA bank cooperates with a local coffee brand, and the bank and coffee brand distribute red envelopes in their respective customer groups, with the red envelope cover jointly built by the brand. A video link is left under the brand story of the red envelope cover to remind customers how to get the red envelope cover. Customers need to go to any outlet of the bank to punch in with the Palm Bank APP, and then go to any store of the cooperative coffee to punch in with the coffee APP. You can get a red envelope cover after two tasks are completed. If banks and partners add other offers or on-site activities at this time, it will make the site very active. You can also issue the red envelope cover at a fixed time. For example, when you hold a bank customer meeting in a coffee shop, you can complete the record with the APP task and get the red envelope cover from the account manager.

(6) Diversified combinations

Seeing the above cases, we can see that the red envelope cover can cover almost all our online and offline scenes, and the strong drainage ability will become a powerful means for us to enrich our activities. According to the structure of the formula, we can construct a variety of online and offline WeChat red envelope games that are popular with customers according to our own conditions. I also hope that fruitful friends can itemize your achievements through magazine readers or visit my WeChat official account.

4. Normalized red envelope cover

A friend said that we have missed the Spring Festival and made a good start. Is it still meaningful to cover this red envelope? Of course, because this will become an important publicity trend of every enterprise, brand and organization in the future, and this trend will bring the following effects.

(1) Festival normalization

The Spring Festival has passed, but it is only halfway through the first half of the year, and only a quarter of the whole year. There are still a lot of domestic and foreign festivals waiting for customers to give out red envelopes. Moreover, in various festivals in the future, the orientation will be stronger, the characteristics of customer gathering will be more obvious, and the publicity of red envelope covers can still play a huge role.

(2) Matrix cover

The festival is normalized, how to make the cover of the red envelope? According to the release plan of the red envelope cover, it is also integrated into the annual activities, which is the matrix with time clues as the core. Of course, we mentioned another kind of matrix earlier. Do you remember? Yes, it is the characteristic matrix, which can be a multi-product matrix: for example, a bank has nine theme outlets in different locations of the city, and customers can collect red envelope covers at different outlets as punch cards; For example, a bank is engaged in promoting cultural exchanges between China and Japan, taking the gold sacred clothes in the Saint as the cover of red envelopes and issuing one every month; The simplest, for example, a bank has 10 employees, and their photos are made into red envelope covers. Excellent employees are selected every month, and customers vote for employees. The employees elected that month can distribute red envelope covers to their voting customers. You see, in addition to distribution, there is also a collection effect. Scarcity makes the cover of red envelopes more valuable. It also makes the bank’s activities sustainable for a long time, and there are plans, which can be warmed up, fed back and resumed, and the better.

(3) Brand multi-contact

The essence of the cover of the red envelope is the secondary distribution of the national traffic of WeChat, and the secondary distribution is the distribution of the backflow valve through the contacts. For banks, this kind of contact can be combined with a variety of traffic, as mentioned in our previous examples, such as stars, games, live broadcasts, online celebrity, tourist spots and so on. It is also very good if banks can have their own flow contacts, such as Kun Kun (Zhang Kun) and Lan Lan (Glen) before the stock market crash.

Fourth, the trend of red envelope cover

In the near future, the cover of red envelopes will gradually change users’ habits, which will become an important brand promotion means and have a far-reaching impact on the business system with traffic as the core. This influence includes three parts:

1. Impact on WeChat

What wechat develops, naturally wechat benefits first. The cover of WeChat red envelope is a rare "unrestrained" product since WeChat became a national-level software, and even it is eager for quick success and instant benefit, and it has exposed a strong enterprising spirit in time, which can be described as killing four birds with one stone.

(1) Enterprise WeChat/WeChat official account

Many friends may not know that the red envelope cover function was launched on enterprise WeChat as early as January 2019, and the "emoticon red envelope" launched at the same time settled on WeChat, while the red envelope cover has been spinning around enterprise WeChat, with the goal of activating the customers of enterprise WeChat. It is used to mark competing products such as nails. When the scene positioning of office software such as Nail is different from that of WeChat, Nail is positioned as the anti-humanity software of employee management, while WeChat is positioned as the humanized software of customer experience. By putting the red envelope cover into the civil WeChat market, WeChat will counter the corporate WeChat and consolidate the corporate WeChat official account through a larger user group.

(2) WeChat video number

Since 2019, the more important competition is in the field of short video. Although WeChat launched a video number to compete with Tik Tok. However, the WeChat video number based on acquaintances’ socialization pays more attention to conveying professional and brand capabilities, while Tik Tok is more civilian and entertaining. There are great differences in the magnitude of users and the speed of communication, and more importantly, there are many fewer UP owners who create content. In the Spring Festival of 2021, through the cover of WeChat red envelope, a large number of personal video UP owners were activated, and efforts were made to make better progress in the field of video numbers.

(3) WeChat red envelope

Then it is to give a shot of stabilizer to the mobile payment market. There is no more stable market in the payment field than the WeChat red envelope, and the cover of the red envelope strengthens the original demand of customers and makes the experience of this original demand better. In the eyes of C-end customers, experience is still king.

(4) Traffic distribution

Friends who have read my previous book "Running an Online Mall, Getting Customers Online Like Pinduoduo" must know that Pinduoduo is engaged in e-commerce on the surface, and behind it is a "game-oriented traffic distribution" business. Today’s WeChat red envelope cover is the distributed realization of more than one billion users of WeChat. Compared with other distribution methods, this is already the best distribution method to experience. Therefore, all enterprises and banks grab traffic at different costs from this large traffic pool. The cover of a red envelope with a dollar is just a huge gain of low value, large quantity and long tail.

2. Impact on customers

For customers, the cover of red envelopes has gradually changed some behavioral needs and usage habits. This is not only beneficial to Tencent, but also very beneficial to the improvement of customer experience.

(1) Increment of red envelope play

The cover of the red envelope is an increment of the red envelope playing method, and it is a way to enhance the experience through more detailed sensory expression. After all, it used to be just sharing money, and the cover of the red envelope also shared beauty, happiness and hobbies.

(2) Scarce brand sense

The scarcity of red envelope covers has caused a good brand effect. Just like some people love to buy bags, some people love to buy "donkey brand" bags, and some people love to buy limited edition "donkey brand" bags, why is the price getting higher and higher with this progressive? Because it’s getting scarce.

(3) New social aggregation

What is brought under the brand is the automatic attribution of customers, which also helps customers form a new social gathering. Through red envelopes, The Infiltrator with common interests can be blown up in different groups, and acquaintances can socialize and enter a new track. I think this meaning is doubly important to Tencent and its customers.

3. Impact on banks

For our bank, it is very important. Apart from advertising and getting customers online, the most important things are two points:

(1) Online play

It has expanded the online gameplay of the banking industry and brought the online activity operation ability of the banking industry to the same level as that of Internet companies. Note that Tencent has given you a bottom line, and the peak is created by the wisdom of bankers, which cannot be saved at all.

(2) Return data

In the banking system, very little feedback is collected from customers, while the cover of red envelopes provides banks with more customer behavior data from another dimension. In this way, banks can learn more about what customers like me, what they like and why they like me.

Fifth, the final beginning

The cover of the red envelope is not everything. The traditional idea of "customers introduce doors and experience depends on the grassroots" is no longer suitable for the well-informed Internet environment. If we can get some dividends and gains from the operation of the red envelope cover, we still have to seriously consider the following issues:

1. Traffic entering the door is just the beginning.

It has been stated many times in Internet thinking that "customer purchase is not the end, but the beginning of service". As an "account" trading enterprise, banks should have a deeper understanding of this point. What is the purpose of getting customers? Is it all right to get a guest? Did you become a sleep client after you got the guest? Traffic entering the door is only the beginning of service. Compared with the return rate of 1‰ of customers lost through online channels on the Internet, banks can’t afford to lose in this competitive situation.

2, the head brand can accelerate the amplification.

The dividend period on the cover of red envelopes may wake up quickly, which is a typical dividend formula for fast fish eating slow fish. Once the head brands of all walks of life rise, then small-scale followers will be left behind, and they will enter the arduous blue ocean nude swimming stage. Therefore, from the bank’s point of view, whether small banks operate in a traditional way or find a unique blue ocean, they must quickly eat dividends, expand their scale and become head brands.

3. Getting customers becomes getting passengers.

Turn short-term, phased and customer-oriented customer acquisition into long-term, continuous and customer-oriented customer acquisition. The cover of the red envelope helps you to distinguish the types of customers, so banks should consider the preferences and service methods of these customers. And package this into a fixed package, which is called service productization, and finally become the brand radiation, and become the foundation for continuous customer acquisition.

4. Diversified operation and gameplay.

The more you go to the Internet, the more young people live in the world. The traditional "play" of banks is replaced by the "play" of red envelopes on the Internet. Clients want to play with you, not get hit by you. In the past, banks only hit customers, but now they give you ways to play with customers.

It is purely original. If you want to reprint it, please keep the article as it is.

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

Fast Science and Technology reported on January 4th that Tank 300, as the domestic off-road "online celebrity Car", has a sales volume of 10,000 vehicles all the year round. However, the PHEV plug-in version of this car has not been launched for a long time, which makes many car owners waiting for money very anxious.

According to domestic media reports, Gu Yukun, executive deputy general manager of the Great Wall TANK brand, said when talking about the listing time of the tank 300 Hi4-T in Weibo recently:"300 is currently in global supply, close to full capacity, and is coordinating production capacity resources. It is expected to be listed after the Spring Festival."

This year’s Spring Festival holiday is from February 10th to February 17th. From the time point of view, the tank 300 Hi4-T will be listed in late February at the earliest.

Prior to this, the tank 300PHEV plug-in version has appeared in the new car declaration catalogue of the Ministry of Industry and Information Technology, and the car will also be the tank 300 Hi4-T version.

It is equipped with the same 2.0T engine and ternary lithium battery pack as the tank 500 Hi4-T,The total energy of the power battery pack is 37.11kWh, matching the vertical 9HAT gearbox.The maximum power is 185kW, which is stronger than the 167kW of 2.0T on the current fuel version.

The battery life is 105 kilometers, and the fuel consumption is 2.29L/100km. Based on the price of No.92 gasoline in Beijing today, it only takes about 17 cents to run one kilometer.

However, this is the fuel consumption of the vehicle under WLTC condition, and the fuel consumption should be above 5L/100km when driving in urban areas or off-road conditions.

Even so, compared with the fuel consumption of 9-10L/100km in the urban area of the fuel tank 300, the fuel consumption level of the tank 300 Hi4-T version will be greatly reduced, and the competitiveness of the vehicle will be enhanced simultaneously.

If you want to buy a car, it is estimated that you are also struggling to buy what products are best for you. The richness of the configuration is closely linked to the cost performance of a car, and many people have mentioned it. As for the outstanding performance of the car, please read it together.

Let’s look at the appearance of Star Era ET first. The front of Star Era ET looks very sharp and sporty. Then it adopts a deep headlight design, which improves its level. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, delayed closing and so on. Coming to the side of the car body, the size of the car body is 4955 mm * 1975 mm * 1698 mm. The car adopts fashionable and atmospheric lines, which gives people a very eye-catching feeling. With large-sized thick-walled tires, it looks full of sports. In the design of the rear end, the rear end looks more fashionable and generous, and the taillights are very fashionable, very fashionable and concise.

When you get into the car, the overall visual effect of Star Era ET interior is very distinctive, and the visual effect is quite unique. The steering wheel of the car is well designed, equipped with electric up and down+front and rear adjustment, steering wheel memory, steering wheel heating and other functions, giving people an impulse to control it. Take a look at the central control. The design of the center console is reasonable, which makes the interior style impressive and conforms to the temperament of the car. Let Xiaobian introduce the dashboard and seats. The dashboard design is remarkable and very eye-catching. The car uses leather seats, equipped with auxiliary seat with memory electric adjustment, seat with memory electric adjustment, seat proportion down and other functions, and the overall comfort and wrapping are not bad.

Xing Ji Yuan ET matched gearbox, 413KW, 691N.m, with good power performance.

The car is equipped with car networking, driving mode selection, remote control key, Bluetooth key, NFC/RFID key, UWB digital key, rear wiper, interior atmosphere light and other configurations, and the configuration has reached the mainstream level of the same level.

Summary: The car introduced today is remarkable in terms of space, configuration and power, and home travel is also a good helper.

　　In the new era, Socialism with Chinese characteristics has made great achievements, and China is increasingly showing the image of a great country with beautiful mountains and rivers. The picture shows Hulu River in Xiji County, Guyuan City, Ningxia after treatment. Xinhua News Agency reporter Wang Peng photo

　　On September 23, the first "One Belt, One Road" International Ocean City Cultural Photography Week opened in Dalian. The picture shows visitors enjoying the photographic works on display. Xinhua news agency

　　Socialism with Chinese characteristics is the theme of the whole theory and practice of the Party since the reform and opening-up, and it is the fundamental achievement that the Party and the people have made through untold hardships and paid a huge price. Since the reform and opening up, the great creation and great achievements of Socialism with Chinese characteristics’s theory and practice have not only profoundly changed China, but also profoundly influenced the world.

　　In the new era, to further strengthen the "four self-confidences" and consistently uphold and develop Socialism with Chinese characteristics, we need to profoundly grasp Socialism with Chinese characteristics’s great contribution in the history of world socialism development and human society development.

　　1. Glowing the strong vitality of scientific socialism.

　　Since the reform and opening-up, the Communist Party of China (CPC) has led the people of all ethnic groups in China to unswervingly March forward along the road of Socialism with Chinese characteristics, pushing China’s economic strength, scientific and technological strength, national defense strength and comprehensive national strength into the forefront of the world, promoting China’s international status to achieve unprecedented promotion, and making China increasingly show the image of an oriental power with clear politics, economic development, cultural prosperity, social stability, people’s unity and beautiful mountains and rivers. In just 40 years, Socialism with Chinese characteristics has made scientific socialism glow with great vitality in China with a population of more than 1.3 billion, and its significance and contribution are of course extremely significant and self-evident.

　　First, it proves that Marxism and scientific socialism will never fade. Whenever the international communist movement suffers setbacks and the world socialism falls into a low tide, there are always voices that question the truth of Marxism and scientific socialism. After the drastic changes in Eastern Europe, the world was suddenly filled with various arguments such as "failure", "bankruptcy", "failure" and "outdated" of Marxism. Over the past 40 years, Socialism with Chinese characteristics’s great achievements have not only proved the absurdity of these arguments, but also proved the great truth power and vitality of Marxism. Because, these great achievements are precisely the result of long-term efforts by the Communist Party of China (CPC) people who have always believed in the scientificity and truth of Marxism and regarded Marxism as an expert, United and led the people of all ethnic groups throughout the country, adhered to Marxism as the fundamental guiding ideology, unswervingly followed the correct path of Marxism in China, kept pace with the times and practiced the basic principles of Marxism and scientific socialism. In the new era, Socialism with Chinese characteristics has made great achievements, so we must cherish the truth value of Marxism leading the times, persevere in promoting the modernization and popularization of Marxism in China, and make Marxism shine more brilliantly.

　　Second, it has set up a dazzling great banner of scientific socialism in the world, that is, the great banner of Socialism with Chinese characteristics. Needless to say, after the drastic changes in Eastern Europe, it was doubtful whether socialism could stand in the world at that time. Regarding this question, Comrade Deng Xiaoping said that as long as socialism in China does not fall, socialism will always stand in the world. After long-term efforts, Socialism with Chinese characteristics has not fallen, but has entered a new era and become the mainstay of world socialism. This is of great significance to Marxism, scientific socialism and world socialism.

　　Third, it has greatly boosted the confidence of the people of the world in socialism. In the history of the development of world socialism, Socialism with Chinese characteristics’s great theoretical and practical creation is of great significance to shake things up and restore confidence, and it also proves how far-sighted Comrade Deng Xiaoping was when he put forward in early 1992 that "there will be more people in favor of Marxism in the world". Indeed, in the face of Socialism with Chinese characteristics’s great achievement of "unique scenery here", more and more people in the world will seriously think about the development prospects of socialism. We have reason to believe that as long as we hold high the great banner of Socialism with Chinese characteristics in the world, and as long as Socialism with Chinese characteristics makes more and more original contributions to the development of Marxism in the new era, the attraction of scientific socialism in the world will surely increase day by day, and world socialism will finally usher in a bright future.

　　2. Expanding the way for developing countries to move towards modernization.

　　Since the reform and opening up, socialism in China has been full of hope, vitality and new vitality. The fundamental reason is that our party has led the people out of a correct path. Such a road is the Socialism with Chinese characteristics Road. Practice has proved that Socialism with Chinese characteristics Road is the only way to realize socialist modernization and create a better life for the people. Socialism with Chinese characteristics Road was gradually formed by China based on its own national conditions and practice, drawing wisdom from Chinese civilization, drawing on the strengths of various schools in the East and the West, sticking to it but not being rigid, learning from it but not copying it. This road is neither "traditional" nor "foreign", nor "westernized", but "original", which is the result of our party’s hard work, pioneering and enterprising, exploring the truth and grasping the law.

　　It should be pointed out that it is not easy for us to walk out of such a correct path. The Communist Party of China (CPC) and the people of all ethnic groups in China under his leadership finally woke up after setbacks and hesitation, and finally came out successfully. As the General Secretary of the Supreme Leader said: "In the past, we copied our books and imitated others. We were confused and frustrated. We hit a wall again and again, woke up again and again, practiced again and again, and broke through again and again, and finally embarked on a road to success in Socialism with Chinese characteristics."

　　Socialism with Chinese characteristics Road is a right path on earth, which belongs not only to China, but also to the world. Socialism with Chinese characteristics’s entry into a new era means that it provides a brand-new choice for countries and nations in the world who want to speed up their development and maintain their independence, and expands the way for developing countries to move towards modernization.

　　On the choice of modernization road, China has always advocated the diversification of development mode. No one should regard his own development road as a statue, let alone impose his own development road on others, and has always resolutely safeguarded the diversity of human civilization development. However, this does not mean that China’s modernization road has no reference significance for the modernization of developing countries. In fact, since the international financial crisis, there have been many problems in the western development model and road, and the prospects are worrying, and the world has generally begun to lose confidence in it. Many developing countries have paid special attention to studying and learning from the valuable experience of Socialism with Chinese characteristics Road, which is "unique in scenery".

　　Socialism with Chinese characteristics Road shows the world that there is no universally applicable development road in the world, and the modernization road should proceed from the national conditions. The road to modernization should put people’s interests first, and take improving people’s lives and enhancing people’s well-being as the starting point and the end result. The road to modernization should adhere to reform and innovation, and there is no way out of rigidity and stagnation. The road to modernization must persist in seeking common development through opening up, and closing the country to the outside world and beggar-thy-neighbor can only lead to a dead end.

　　3. Contributed to China’s wisdom and China’s plan to solve human problems.

　　Socialism with Chinese characteristics’s great contribution to the development history of human society lies in that it has fully demonstrated China’s image as a responsible big country that adheres to peaceful development, promotes common development, safeguards international fairness and justice, and contributes to mankind. At the same time, it has contributed and will continue to contribute to China’s wisdom and China’s plan to solve human problems.

　　China’s wisdom and China’s plan for maintaining world peace. Socialism with Chinese characteristics has not only greatly enhanced the power of loving and maintaining peace in the world, but also contributed to China’s solution to world peace problems, that is, abandoning the cold war mentality and power politics, unswervingly holding high the banner of peace, development, cooperation and win-win, adhering to the road of peaceful development, taking a new road of state-to-state exchanges of dialogue without confrontation and partnership without alliance, promoting civilized exchanges of harmony but diversity and eclecticism, and promoting the building of a community of human destiny.

　　Contributed to the Chinese program to promote the common development of mankind. Socialism with Chinese characteristics adheres to the principles of mutual respect, equal treatment, win-win cooperation and common development, insists that all countries are participants, contributors and sharers of global development, combines the interests of the people of China with the common interests of the people of all countries, and allows more countries and regions to participate in the construction of the Belt and Road. Welcome all parties to take the express train and free ride developed by China, strive for fair development for all countries, especially developing countries, and strive to enhance the development capacity of all countries, improve the international development environment, and

　　It should be pointed out that while China is committed to eradicating poverty, it has always actively carried out South-South cooperation, supported and helped developing countries, especially the least developed countries, to reduce poverty, improve people’s livelihood, improve the development environment, and promote the building of a community of human destiny. China has helped more than 120 developing countries to implement the Millennium Development Goals, which has injected a strong impetus into accelerating the overall development process of developing countries.

　　China’s wisdom and China’s plan to improve global governance. Socialism with Chinese characteristics adheres to the concept of global governance, advocates the democratization of international relations, insists that all countries, big or small, strong or weak, rich or poor, are equal, supports the United Nations to play an active role, supports expanding the representation and voice of developing countries in international affairs, insists that China should play a responsible role as a big country, actively participates in the reform and construction of the global governance system, and injects Chinese strength into the reform and optimization of global governance.

　　Contributed to the Chinese program of mankind’s pursuit of a better social system. Socialism with Chinese characteristics not only firmly believed that "history has not ended, nor can it be ended", but also declared the bankruptcy of "the conclusion of the end of history" and the bankruptcy of the one-line historical view based on the western institutional model. Socialism with Chinese characteristics contributed to the China wisdom of mankind in pursuing a better social system. China’s practice has explained a truth to the world: governing a country and promoting a country’s modernization is not just the way of the western system model, and countries can completely go out of their own way.

　　Socialism with Chinese characteristics has also provided China’s plan for mankind’s exploration of a better social system. For example, firmly occupy the moral commanding heights to promote the progress of human society and realize the beautiful ideals of mankind. Dare to open the door to stubborn diseases accumulated for many years, dare to touch deep-seated interests and contradictions, resolutely break through the shackles of ideas, resolutely break the barriers of solidification of interests, and resolutely remove institutional and institutional obstacles that hinder the development of social productive forces. Dare to promote theoretical innovation, practical innovation, institutional innovation and other aspects of innovation, so that the system is more mature and stereotyped, development is more quality, governance is more level, and people have a sense of gain, satisfaction and happiness.

　　 (Author: China Academy of Social Sciences Supreme Leader New Era Socialism with Chinese characteristics Thought Research Center Author: Liu Zhiming)

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A starving baby, if the mother has other conditions such as insufficient milk, will usually be fed by other lactating mothers instead. This kind of behavior in humans is popularly called "wet nurse feeding", and scientifically it is defined as allomaternalbreastfeeding.

In fact, scientists have observed similar phenomena not only in humans, but also in rodents and primates. A recent study by scientists in China has further expanded the scope: the research team led by Zuo Fu, a professor at the School of Life Science and Technology of Central South University of Forestry and Technology, and Li Ming, head of the primate ecology research group of the Institute of Zoology, Chinese Academy of Sciences, obtained the evidence of the old world monkey’s maternal lactation for the first time. The research results were published on February 21st, Beijing time, in Science Progress, a sub-magazine of Science.

Breastfeeding behavior of Sichuan golden monkey. The pictures in this paper are provided by the research team.

In an interview with The Paper reporter (www.thepaper.cn), Zuo Fu said, "This is the first time to report that regular partheno-lactation exists in Old World monkeys, which has expanded the distribution of partheno-lactation in primates and made it appear in different groups such as proto-monkeys, New World monkeys, Old World monkeys and even humans."

Higher primates, that is, anthropophagus, include New World monkeys distributed in South America and Old World monkeys distributed in Eurasia (Old World). Previously, there was no report about the maternal lactation behavior of Old World monkeys. According to Zuo Fu, the research team started this new research in 2012 and observed it continuously for five years. The research was carried out in Dalongtan Research Base of Shennongjia National Park in Hubei Province.

The research base has a group of about 90 golden snub-nosed monkey. Sichuan golden monkey is endemic to China, with a golden fur. They are distributed in the forests at the junction of Hubei, Sichuan, Shaanxi and Gansu, and distributed in Minshan, Qionglai, Daxueshan, Xiaoliangshan, Qinling, Shennongjia and the northern slope of Motianling.

"We began to study the monkey group in 2006, and the researchers were able to identify all individuals over 3 years old in the group." Zuo Fu said that the birth of Sichuan golden monkey is basically concentrated in the period from March to May every year. Because the coat color and body shape of baby monkeys are similar, it is not easy to identify them, so there is no concern about whether there is maternal breastfeeding at first. "Until the spring of 2011, after accidentally finding a female monkey feeding two baby monkeys at the same time, the research team carefully observed the breastfeeding behavior of Sichuan golden monkeys in the group and found that the breastfeeding behavior of different mothers was more common."

This latest paper shows that in the field observation conducted by Zuo Fu et al. for five years in a row and after five farrowing seasons, 40 (87%) of 46 baby monkeys of Sichuan golden monkey were breast-fed by one or more non-mother monkeys, and 22 (48%) of 46 baby monkeys were breast-fed by at least two other mothers. This behavior of maternal breastfeeding mainly occurs in the first three months after the baby monkey is born.

The research team also found that 6 of the 46 baby monkeys did not receive maternal breastfeeding at all, and 4 of them died in the cold winter. In comparison, among the 40 baby monkeys that were breast-fed by at least one non-mother monkey, a total of 6 eventually died, and the mortality rate was greatly reduced.

It is worth noting that Sichuan golden monkey generally lives in temperate forests with high altitude, and it is extremely cold in winter for five months, and the food supply also has strong seasonal changes. Partheno-breastfeeding behavior may help baby monkeys fight against unfavorable living environment.

Zuo Fu said, "The behavior of maternal breastfeeding may provide energy support for the rapid development of baby monkeys after birth, so that the baby monkeys can feed in advance to achieve a good development state before the severe winter, and can successfully survive the winter of extreme low temperature and food shortage. This behavior may also provide energy support for the rapid development of the brain, which makes the brain capacity of golden monkeys relatively large."

Generally speaking, the behavior of maternal breastfeeding only occurs within three months or less after the baby monkey is born, and it almost stops when the baby monkey begins to eat natural food.

In addition, the research team also found that the maternal breastfeeding behavior in Sichuan golden monkey still follows certain principles. Baby monkeys can not suck milk in all non-maternal monkeys: the maternal breastfeeding behavior of Sichuan golden monkey only occurs between females who are related or breastfeeding each other.

It is mentioned in the paper that kinship-usually the "grandmother" or "aunt" of baby monkeys, or reciprocity plays an important role in maternal breastfeeding. About 90% female monkeys (25 out of 28) will breast-feed the cubs of other female monkeys who have breast-fed their own baby monkeys in the current or next year, which is similar to "reward".

Zuo Fu believes that the maternal breastfeeding behavior occurs between females who are related or cooperate with each other, and the mother will allow other females to contact the baby monkeys in the early stage of development, which is necessary for the infant-mother-maternal care relationship in the early stage of human evolution, so this study also provides a new perspective for understanding human evolution.