"Ningbo released" the news of WeChat official account on September 14th. In order to make overall plans for normalized epidemic prevention and control and typhoon prevention and flood control, the Municipal Epidemic Prevention and Control Office issued the latest notice with the consent of the Municipal Leading Group for Epidemic Prevention and Control.

　　01

　　Due to the impact of Typhoon Meihua, on September 15th and 16th, the city continued to implement the current nucleic acid inspection requirements except the airport, railway station, high-speed bayonet, high-speed service area and other city "gates", and the city continued to suspend the 72-hour normalized nucleic acid inspection requirements. If the nucleic acid test shows "gray code" for more than 72 hours, citizens can still take public transportation and enter public places, but please continue to cooperate with the staff to check the health code and travel code.

　　02

　　Since September 15th, all localities should restore and open normalized nucleic acid sampling points in an orderly manner, increase sampling units, extend sampling time, and effectively protect the needs of citizens for nucleic acid sampling. All districts (counties, cities) should promptly publish information such as sampling site and opening hours of nucleic acids.

　　03

　　From 0: 00 on September 17th, Ningbo will fully resume the 72-hour normalized nucleic acid detection and inspection requirements implemented on September 7th. Please understand, support and cooperate with the general public, and please tell each other.

　　In the past few days, a screenshot poking fun at domestic refined oil prices has been widely circulated in the circle of friends:

　　"Ten years ago, on March 20, 2008, the international crude oil was $147 per barrel, and the domestic oil price was 6.3 yuan; Ten years later, on May 26th, 2018, the international crude oil price was $75.56 per barrel, and the domestic oil price was 7.4 yuan. Maybe the bucket is expensive. "

　　In fact, since the international oil price plummeted in the second half of 2014, similar paragraphs have emerged one after another. From a purely numerical point of view, today’s international oil price is indeed lower than that of ten years ago, and the domestic refined oil price is indeed higher than that of ten years ago. However, the pricing mechanism of refined oil in China is not as simple as many people think, especially when the consumption tax on refined oil has increased by nearly seven times. It is unreasonable to simply compare the figures. To discuss the comparison of oil prices between 2008 and today, we need to consider the following factors:

　　petrol quality upgrade

　　In 2008, private cars still drank the national standard gasoline, and today it is the national standard gasoline ten years later. The "2+26" cities including Beijing, Tianjin and Hebei have been upgraded to the national standard in advance. When oil products are upgraded, prices naturally rise. According to the statistics of Zhuo Chuang Information, a market organization, the price increase standards for automobile gasoline and diesel from the third country to the fourth country are 290 yuan and 370 yuan per ton respectively; The price increase standards for upgrading from National IV to National V are respectively 170 yuan and 160 yuan per ton. That is, the total price of gasoline is increased by 460 yuan/ton, which is equivalent to the price increase of No.92, which is 0.36 yuan.

　　The consumption tax on refined oil has increased by nearly seven times.

　　The consumption tax on refined oil refers to the tax paid by consumers when they consume refined oil. It is paid by the main units such as refineries at the initial stage of production, commissioned processing and import. The collection targets include seven subheads, including gasoline, diesel oil and fuel oil, which belong to the central tax category. China began to levy consumption tax on gasoline in 1994. In 2008, the domestic consumption tax on gasoline was only in 0.2 yuan/liter.

　　From the end of 2014 to the beginning of 2015, the domestic consumption tax on refined oil was raised three times in 45 days. At that time, the Ministry of Finance said that the consumption tax in China is not generally levied, but only on "some consumer goods with high energy consumption, high pollution and high consumption". "The consumption tax on refined oil is conducive to promoting resource conservation and curbing excessive consumption of energy, which is a relatively common practice in the world." Regarding the timing of raising the tax rate, the Ministry of Finance explained that "choosing to implement it when the oil price goes down not only did not lead to an increase in oil prices due to tax increase, but also realized the synchronization of tax increase and price reduction, taking into account the macro-control needs and social affordability."

　　After three upward adjustments, the gasoline consumption tax was 1.52 yuan/liter, which has been maintained to this day.

　　In addition to consumption tax, China consumers also need to pay value-added tax and urban construction tax when purchasing refined oil. It is roughly estimated that the tax burden cost of circulation links accounts for about 40% of the total refined oil price.

　　"At present, domestic refined oil products include 1.52 yuan/liter consumption tax, 16% value-added tax and 12% other taxes and fees. Due to the different oil prices in different regions of China, the proportion of taxes and fees is also different. " Xu Na, a refined oil analyst at Zhuo Chuang Information, told The Paper (www.thepaper.cn) that the current price of No.92 gasoline in Guangzhou is 7.44 yuan/liter, including 1.52 yuan/liter consumption tax, 1.03 yuan/liter value-added tax and 0.31 yuan/liter other taxes. Therefore, on the whole, the price increase of Guangzhou No.92 gasoline includes 2.86 yuan tax, accounting for 38.4%.

　　In addition, the tax burden of refined oil products in different countries in the world is not horizontally comparable, because the tax burden is related to national policies, oil production capacity, per capita income level and social welfare.

　　Changes of refined oil pricing mechanism

　　Ten years ago, there was no price adjustment cycle for domestic refined oil products, which was not closely related to international oil prices.

　　The current refined oil price mechanism stipulates that the prices of gasoline and diesel are adjusted every 10 working days according to the changes of crude oil prices in the international market, and the effective time of price adjustment is 24: 00 on the release date of price adjustment. As long as the international oil price is between the "floor price" of $40/barrel and the "ceiling price" of $130/barrel, the change rate should be adjusted if the adjustment range of gasoline and diesel exceeds that of 50 yuan. When the price adjustment range is lower than the 50 yuan per ton, no adjustment will be made, and it will be added or offset in the next price adjustment.

　　Because of this, after the international crude oil price soared to an all-time high of $147 per barrel in 2008, the domestic refined oil price did not rise as the international oil price soared. For the smooth operation of the domestic economy, domestic "two barrels of oil" did "pay the bill" for high oil prices.

　　At the beginning of 2015, a paragraph about oil prices was widely circulated on the Internet: "Today (March 20th) is a special day. Seven years ago, today in 2008, the international crude oil was $147 per barrel, and the oil price in China was RMB per liter in 6.3 yuan. Today in 2015, the international crude oil is 43 dollars per barrel, and the China oil price is still 6.3 yuan RMB per liter. Is the oil price going up or down? " Just a few words have attracted countless spit and controversy.

　　In this regard, Sinopec claimed to be "the big head" in the official Weibo: "Today (referring to March 21, 2015), the international crude oil is 43 US dollars per barrel, and the EU is about 9.1 yuan and China is about 6.3 yuan per liter. Seven years ago, today in 2008, due to the economic situation in China and the pressure from all sides, the price adjustment of domestic refined oil was reduced. The international crude oil was US$ 147 per barrel, while the EU was about RMB 14.8 per liter, while China was only 6.3 yuan per liter. Who is ‘ Big head ’ , you know. "

　　The following figure shows the global ranking of gasoline price increase as of May 28, 2018 (part):

　　　　For now, young people have set "taking photos" as a benchmark for purchasing. Before buying a mobile phone, look at whether it is double-shot. Secondly, the price should be reasonable enough, not too expensive, and the cheap one is afraid that the user experience is not good enough. There is no face to take it out. In this issue of "Sharp Phone Duel", three dual-camera phones with a price of 2,000 yuan are selected for comparison:,, and they not only have sufficient advantages in "taking photos" and "price", but also have different attainments in other aspects. This article will give you great help if you are afraid of wasting money and want good goods.

　　　　First of all, understand the prices of the next three mobile phones: Youth Edition.　3GB+32GB version costs 1199 yuan, and 4G+32GB version costs 1499 yuan.The 4G+64GB version is 1799 yuan.;　The 2 4GB+32GB version is priced at 1799 yuan, and the 4GB+64GB version is priced at 1999 yuan.The 6G+64GB version is 2299 yuan.; Charm blue Note 6　　3GB+16GB version costs 899 yuan, 3G+32GB version costs 999 yuan, and 4G+32GB version costs 1299 yuan.The 4G+62GB version is 1499 yuan.

　　　　This time, I will make a comprehensive comparison of the appearance, system, photography, performance and battery life of these three flagship machine models, and finally give my own opinions for your reference. Let’s start with the appearance of these three mobile phones.

Appearance: three "idols" with close prices and two full-screen models.

　　　　From the appearance point of view, the three models have obvious differences: small size, plus a full screen up to 75.88% of the screen ratio, even a girl with small hands can feel the thrill brought by the big screen; As Lao Luo said, it is a "sharp foreign body", and the design of double-sided glass body with gold thread around it looks very unique.

　　　　It is very mainstream. Because it came out earlier, it failed to catch up with the comprehensive screen design. It is more simple and generous. Of course, 71.73% of the screen is not inferior to the comprehensive screen mobile phone in terms of visual experience.

　　　　On the front of the mobile phone, the three mobile phones are slightly different. Thanks to the 12-layer optical processing mirror upgraded to version 2.0, the touch feel of the youth version is better. The shallow design of the receiver can effectively prevent dust accumulation, which is very intimate;　2 With the minimalist hidden earpiece design, the front is as smooth and bright as a mirror, without any sag or bulge. The front camera is not placed on the left or right, but innovatively set in the middle, which satisfies Virgo’s "mind" for many years; Breathing light, which is equipped with a response system above Charm Blue Note 6, is unique, and the metal edges around the Home button shine under the illumination of lights.

　　　　On the back of the fuselage, the three mobile phones also have different characteristics, and whoever looks better varies from person to person: Glory 9 Youth Edition doesn’t have much innovation, but more is improvement. Its back of the fuselage is very simple, and the dual camera holder is slightly raised. Thanks to the 12-layer nano-scale process, the overall mirror effect is more beautiful than most mobile phones with double-sided glass body, and the hand feel is also very good after one day’s use.

　　　　The back of Nut Pro 2 inherits the "special" logo design of the previous generation, the circular groove template, and the frosting treatment of the "T" letter, so that you can’t help but touch the center circle when holding the mobile phone, because it is made of glass, so you don’t have to worry about touching off the paint. The double cameras that look like a single shot are an innovative move of hammer technology. The 12 million cameras with a large aperture and the 5 million sub-cameras that have been flattened, and the LED fill light with the same aperture next to them, are very novel. Hammer is a company that likes to dig into details. It is precisely this that the nut series products have turned over so successfully.

　　　　From the back, almost all of them are the shadows of their predecessors: the symmetrical design on the top and the flowing flash on the top. However, Meizu’s industrial design rarely disappoints us. The flash integrated into the antenna belt, the double camera arranged up and down, and the front fingerprint recognition all look very comfortable.

　　　　The design of three mobile phones at the bottom of the front of the fuselage has its own advantages: the bottom of Glory 9 Youth Edition is printed with the exclusive "honor”logo of glory, and the recognition of the mobile phone is very strong. You can recognize that it is HONOR from a distance or a close look at others; Nut Pro 2′ s "flat and narrow" function bar is unique, and the vibration given by pressing is relatively light and cool, which is very good; There is not much to say on the front of Charm Blue Note 6, which is not far from the mainstream 16:9 mobile phone. The design of pressing the mBack Home button with integrated fingerprint is more comfortable and resilient.

　　　　At the bottom of the mobile phone, Glory 9 Youth Edition and Charm Blue Note 6 all adopt the current popular design. From left to right, there are 3.5mm headphone jack, Micro-USB and a row of speakers. The nut Pro 2 is more simple, with the 3.5mm headphone jack removed, the Type-C jack in the middle, symmetrical speaker holes on both sides, and no screw at the bottom. This design adds points to the look and feel of the nut Pro 2.

　　　　Side contrast is also the mainstream of Glory 9 Youth Edition and Charm Blue Note 6. The left SIM card slot design, the right power button and volume button design, while the nut Pro 2 looks a bit "bright", and there is a flash capsule shortcut button on the left. The surrounding Phnom Penh also makes it have enough "hammer features".

　　　　Summarize the design of three mobile phones: Glory 9 Youth Edition double-sided glass design, which belongs to the rounded appearance of the fuselage. Thanks to the comprehensive screen design, it has a greater visual experience in a smaller body size and is suitable for students.

　　　　Nut Pro 2 is different (of course, different doesn’t mean ugly), which keeps the sharp fuselage of the previous generation as a whole, further enhances the smoothness around it, and looks more mature than the previous generation. The four minimalist designs of hidden earpiece, hidden distance+light sensor, hidden double camera and hidden fingerprint recognition are also the unique competitiveness of nut Pro 2 in terms of face value.

　　　　Although Charm Blue Note 6 doesn’t have many features, it feels more neat and square. Although the CNC high-gloss trimming in the last two weeks is somewhat cut, it is relatively firm to hold, and there is no need to cover the silicone case and worry about slipping.

　　　　Of course, turnips and vegetables have their own tastes. I can’t instill my own preferences in the comparison of appearance. I have to say that this one is better than that one, and it is more the user’s own repeated research and pondering to choose his favorite one.

System: Flyme6/EMUI8.0"silky" fluency　　　Smartisan OS 4.1 is innovative.

　　　　There are two major developments in EMUI this year. One is to upgrade EMUI5.0 to EMUI5.1, and the other is to launch EMUI8.0. According to the inertia of glory, the thousand yuan machine is usually equipped with EMUI5.1 system, but it is really gratifying to have EMUI8.0 with conscience. The EMUI8.0 system is greatly optimized and intelligent, which enhances the intelligent experience of users.

　　　　This model supports enhanced F2FS file system, efficiently optimizes system cache and defragmentation, and creatively optimizes the problem of long-term usage of Android system. Built-in Kirin i5 coprocessor in the fuselage can count steps at any time with low power consumption, and the step counting data can be automatically synchronized to the movement. It can be said that it is very intelligent.

　　　　Equipped with Smartisan OS 4.1 with deep customization, the small improvement of many functions is the highlight of the system.

　　　　Smartisan　OS　4.1Including the 1.0 official version of the flash capsule (adding reminders and accessories. One-on-one sharing and other small functions), Big Bang version 2.2 (voice conversion text is added in the editing mode to help users modify the semantic substitution function of typos), and the intelligent sorting function of dragging and dropping the sharing sidebar is added. In appearance, Hammer Technology likes to dig into details, but in the system experience, the practical small function of "grounding gas" still fails to disappoint consumers.

　　　　2017 is not only the first year of full-screen explosion, but also the year of system leap and upgrade. Facing the system optimization of various manufacturers, it is not inferior. This machine is based on the deeply optimized Flyme 6 operating system of Android 7.1.2. Flyme 6 has been comprehensively improved in three aspects: design, function and artificial intelligence. This system further adjusts the main color and UI layout, which is uniform, textured, well-defined and readable, making it dominant in color, andFlyme 6 is the second biggest killer for Charm Blue Note 6 to conquer users after taking photos.

　　　　Flyme　6Based on the user’s scenes, habits, information and content to be sent out, geographical location and other information, Charm Blue R&D team developed a series of analysis engines for the original intelligent thinking engine "One Mind", so that it can learn the user’s operating habits independently, and provide efficient solutions according to the use of scene intelligence to create a smarter and more casual system.

　　　　From the system comparison, the three mobile phones all have their own different characteristics. The youth version tends to be "smart", 2 tends to be "innovative", and Charm Blue Note 6 tends to be "practical". How to choose it depends on the user’s wishes.

Shed pat: the data is a piece of stone, but three pieces are all "gold"　

　　　　Shed shooting is a standard for us to judge taking photos, and it is also a link for evaluating mobile phones. The essence of photos can not be separated from several dimensions, such as resolution, color orientation, white balance, tolerance, etc. Therefore, our evaluation standard starts the standard photo environment, builds a datable photo template, and quantifies the experimental data with the help of Imatest, and finally obtains authentic evaluation results.

　　　　Resolution refers to the ability to distinguish the details of the original object. The better the resolution, the better the control of the details, and the more natural the transition of the details of the picture. There are many ways to test the resolution. Here we choose the linear test method, which has the advantage of being very intuitive and can be observed with the naked eye. We intercept part of the test sample as the test area to test the resolution of three mobile phones.

　　　　It is not difficult to see that the resolution of the camera is slightly excellent, and more details are reserved. All three models are dual-camera phones, and the resolution results are close to the standard of flagship models.

　　　　Shoot the 24 Color Check test card in the tent shooting environment, and get the color deviation δ E and white HSV saturation through Imatest analysis. Color difference ΔE is actually the difference between the measured color and the real color. The bigger the difference, the more serious the color cast.

　　　　It can be seen that the color difference δ E of is the smallest, which is 8.71, followed by. The size of the color difference also shows the different manifestations of the imaging style of the mobile phone from the side. The youth version strives to be true but slightly bleak.Charm blue Note 6The colors presented are brighter and more pleasing to the eye.

　　　　White balance is an index to describe the white accuracy after the mixture of red, green and blue primary colors is generated. Many people will encounter such problems when shooting with digital video cameras: the images taken in the fluorescent lamp room will appear green, the scenery taken under the indoor tungsten filament light will be yellow, and the photos taken in the sunlight shadow will be inexplicably blue, and the reason lies in the "white balance". The value of white balance is as small as possible, so the values of Glory 9 Youth Edition and 2 are the same, slightly better, and Charm Blue Note 6 is also better.

　　　　Dynamic range refers to the brightness range of the subject-the brightness span from the darkest point to the brightest point in the subject. Shoot the gray-scale color card in the tent shooting environment, and calculate and analyze the dynamic range level of the camera through Imatest. The bigger the value here, the better, so we can see that the dynamic range of Glory 9 Youth Edition and Charm Blue Note 6 is better, with the total number reaching 6.31 and the score of Nut Pro 2 reaching 6.03, which is also excellent. All three phones can retain more details from the brightest to the darkest.

　　　　The above data may not intuitively show who is better at taking pictures. After all, according to our Zhongguancun Online standard, they have got a lot of full marks in various tests. Now, mobile phone photography may need to consider whether the film is more pleasing to consumers’ eyes. Then, let’s look at a set of real-life proofs.

Proof: the strength of dual camera is not simple. All three images are satisfactory.

　　　　The front and rear are equipped with 13 million+2 million dual cameras, and the front camera has a maximum aperture of f/2.0. With more layered hardware-level blur, AI private customized beauty, and gesture photography, you can peel off the most dynamic and beautiful pictures at any time.

　　　　The rear main camera has 12 million+5 million pixels, and adopts IMX386 sensor, which has a pixel size of 1.25 μm and a large aperture of f/1.8. This sensor is quite famous and has been used in many flagship machines.

　　　　It is also a "famous camera". Its camera with 12 million+5 million dual cameras, f/1.9 aperture and PDAF phase focusing has a good imaging effect. Let’s enjoy the proofs together:

caption

　　　　Generally speaking, the three dual-camera performances are of the same price and higher level. First, the youth version has more accurate resolution and more realistic colors, which is closer to the scenery seen by human eyes. The color of 2 is more beautiful, and the perception is more pleasing to the eye, and when shooting at night, both the control of background purity and the noise treatment of lighting show the flagship charm; The overall shooting performance of Charm Blue Note 6 is not weak. Whether it is day or night, the details are handled in place.

Performance: play well. The other two items need to be improved.

　　　　In this part, we will have a most detailed comparison from CPU, GPU and the overall running score through three mainstream running scores. This test is the most objective confrontation, and a high score means strong performance. In addition, I will also test the fluency of these three models when running large-scale games respectively.

　　　　The HiSilicon Kirin 659 eight nuclear processor is adopted. This processor is an upgraded version of Kirin 650, and the highest frequency can reach 2.36GHz. Due to the 16nm process, this processor is particularly excellent in power consumption and heat generation, which can bring a stronger performance experience.

　　　　　2 equipped with Snapdragon 660 mobile platform, this processor must be familiar to most mobile phone enthusiasts. It is worth mentioning that,Snapdragon 660 mobile platform is the first time to introduce HVX (Vector Extension) based on the whole DSP processing in Snapdragon 600 series, which can provide very large throughput and handle a lot of operation work at a faster speed, which has great applications in graphics processing, computer vision and neural networks.

　　　　Qualcomm Snapdragon 625 mobile platform is used, and the graphics processor is Adreno 506. This chip has eight cores, the highest frequency is 2.0GHz, and it adopts 14 nm process technology, so it has sufficient performance and low power consumption. Since the Youth Edition does not support the installation of Geekbench 4 for the time being, there is no comparison of this item for the time being.

　　　　I believe that many netizens usually measure the performance of mobile phones by running scores. However, if we objectively evaluate the comprehensive experience of mobile phones, it is of little significance to run points. Because when running a score, the processor usually tries its best to brush the score. However, in daily use scenarios, in order to control the balance between performance and power consumption, the performance of the processor will be limited. For example, when running scores, eight cores may rush to brush scores together, while the daily operation state may be "one core works and seven cores watch".

　　　　Let’s talk about the significance of running score software. The function of running score software is to quantify the performance and show the peak performance of a chip in the form of digital score, which is simpler and easier to understand than technical terms. Here, we need to pay attention to a word: "peak performance". Yes, most running score software measures the peak performance, that is, the ultimate performance of the chip, but it may not work so hard in daily use.

　　　　Therefore, although the three models didn’t get high running score data, they still won a large number of users to buy and use with their perfect system optimization and stable thermal control.

Endurance: Charging "off the charts" has good endurance.

　　　　　　　　The endurance test is divided into two parts. The first part is the charging test. The author starts charging three models from 0% at the same time, and records the power every 5 minutes for a total of 30 minutes. The second part is endurance test, which adopts Zhongguancun online 5-hour heavy use model. The test results are as follows.

　　　　As you can see, of the three mobile phones, 2Support QuickCharge 3.0 fast charging,Half an hour is the fastest charging speed, charging 50% of the power, followed by Charm Blue Note 6, charging 35% in half an hour, which needs to be improved.

　　　　The power consumption test results are obvious, and the low energy consumption advantage of Snapdragon 625 equipped with Charm Blue Note 6 is revealed.Actually, 59% of the power remained, which greatly exceeded my expectation for this mobile phone. I didn’t expect Meizu to control the power consumption of Snapdragon 625 so well, and this achievement is also the top level in our database.

summary

　　　　After reading the comparison of the three thousand yuan double cameras in this issue, I don’t seem to have clearly ranked the total accurately. Generally speaking, the three thousand yuan double cameras have sufficient characteristics and advantages.

　　　　If you are value-controlled, and have no high pursuit of performance, Youth Edition is your best choice; If you are more inclined to "features" and are keen on the small design and functions of mobile phones, Nut Pro 2 will give you a heart-warming feeling; The economy is not affluent, and just like having a practical, beautiful-looking, non-card mobile phone, Charm Blue Note 6′ s high cost performance beckons to you.

　　CCTV News:On August 12th, Zhejiang Province held the 121st press conference on the prevention and control of COVID-19 epidemic to introduce the latest situation. At the meeting, it was reported that from 0: 00 to 15: 00 on August 12, Zhejiang reported 8 new cases of local positive infections (all asymptomatic infections, except 1 case in Tongxiang, the rest were in Yiwu), of which 6 cases were detected in centralized isolation points and 2 cases were detected in social screening, and control measures have been implemented. In addition, 5 new confirmed cases were confirmed, all of which were asymptomatic infected people before, all in Yiwu.

　　Since the outbreak of "08.02" in Yiwu, 56 local confirmed cases have been reported, including 52 cases in Jinhua (including 46 cases in Yiwu, 3 cases in Lanxi, 1 case in Jindong, 1 case in Dongyang and 1 case in Pujiang), 1 case in Wenzhou (in Yueqing), 2 cases in Quzhou (in Jiangshan) and 1 case in Lishui (in Liandu). There are 545 local asymptomatic infections, including 542 cases in Jinhua (including 515 cases in Yiwu, 19 cases in Dongyang, 4 cases in Lanxi, 3 cases in Jindong and 1 case in Pujiang), 1 case in Wenzhou (in Ouhai) and 2 cases in Shaoxing (in Zhuji).

　　"Build a 100-billion-level AI (artificial intelligence) large-scale model technology system, create financial image character recognition products, and realize batch credit granting and digitalization of the whole process after lending …" In the 2023 annual report published by listed banks, in addition to the business performance indicators that have attracted much attention from the market, the financial technology investment of many banks increased year-on-year, the digital transformation and upgrading progressed steadily, and the exploration of large-scale model technology research and development and application scenarios increased significantly, laying a solid foundation for writing a big article on digital finance.

　　Digital transformation has achieved initial results.

　　The disclosed annual reports of listed banks in 2023 show that more than half of the banks have achieved a year-on-year increase in financial technology investment. From the perspective of the "big four banks", the investment amounts of Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank in 2023 reached 27.246 billion yuan, 24.85 billion yuan, 22.397 billion yuan and 25.024 billion yuan respectively, up by 3.9%, 7.06%, 3.97% and 7.45% year-on-year.

　　In terms of joint-stock banks, in 2023, two banks invested more than 10 billion yuan in financial technology. China Merchants Bank invested 14.126 billion yuan in science and technology, although it decreased slightly by 0.3% year-on-year, but it is still the institution with the largest amount of investment among joint-stock banks. CITIC Bank’s investment in financial technology reached 12.153 billion yuan, up 38.91% year-on-year, and it was the listed bank with the largest year-on-year growth.

　　"As a key force to promote the digital transformation of banks, financial technology is in an important strategic position in most listed banks. However, at present, the development of digital technology itself and its application in the financial industry require more research and exploration, and it is necessary to increase investment in financial technology. " Lou Feipeng, a researcher at China Postal Savings Bank, said that it is of positive significance for the banking industry to accelerate the digital transformation by increasing investment, so as to enhance its own market competitiveness and service level.

　　With the increasing investment in financial technology, many banks have made remarkable achievements in the digitalization process in 2023, especially in the key field of scene construction.

　　According to the annual report of ICBC, around the goal of "Digital ICBC", we will speed up the construction of a digital financial service system that is compatible with the modern economic system, and innovate a new model of digital financial development with the main line of building a platform, improving capabilities, expanding scenarios and building ecology. In 2023, digital business accounted for more than 99%. Relying on corporate online banking and mobile banking, we will build a digital financial service platform that integrates e-cloud, and launch services such as specialized and special new service areas and Pratt & Whitney areas for exclusive customers to provide customers with ecological services that cover the integration of financial and business scenarios.

　　China Merchants Bank increased its investment in science and technology, comprehensively promoted digital remodeling around online, data-based, intelligent, platform-based, ecological and so on, gradually established an ecological circle of financial services, and explored the application of artificial intelligence scenarios. Intelligent applications have replaced more than 17,000 full-time manpower in intelligent customer service, process intelligence, quality inspection, conch RPA+ (robot process automation) and other scenarios.

　　Many banks mentioned in their annual reports that they should improve their technology and finance system by optimizing their organizational structure. For example, Industrial Bank set up a digital operation department, actively explored new modes of digital operation, and strived to get through the "last mile" from digitalization to productivity; China Postal Savings Bank optimized and adjusted the organizational structure of the information technology section of the head office, and renamed the Information Technology Management Committee under the senior management as the Financial Technology Committee; Reorganize the Information Technology Management Department and the Financial Technology Innovation Department into the Financial Technology Department; Rename the data center as an operational data center, promote the transformation of science and technology governance structure, and strengthen the overall leading role of information technology.

　　Accelerate the application of large model technology

　　In 2023, with the big model tsunami wave set off by ChatGPT sweeping the world, AI big model technology has become the focus of exploration and layout in many industries, and banking is no exception.

　　The reporter noted that six large state-owned banks and a number of joint-stock banks such as CITIC, China Merchants and Xingye disclosed the research and development and application of the big model field in the 2023 annual report. AI big model technology may become an "accelerator" for the digital transformation of financial institutions.

　　China Construction Bank mentioned in its annual report that it will continue to strengthen research on key core technologies. Independent research and development of artificial intelligence platform, and form a comparative advantage in the fields of computer vision and intelligent voice, and implement the "Ark Plan". The big data platform covers over 30,000 physical nodes, and the foundation of data governance is further consolidated. The annual report of Agricultural Bank of China revealed that relying on the artificial intelligence innovation laboratory, the functions of pre-research and incubation of large-scale model technology, online answer recommendation of customer service knowledge base and auxiliary search of knowledge base were accelerated.

　　CITIC Bank has built a CITIC big model platform with integrated software and hardware, completed the deployment of a 100 billion-level open source big model, and explored scenarios such as landing code generation and intelligent operation. China Merchants Bank seized the opportunity of certainty of the big language model to develop the construction and application of the big language model. On the one hand, we actively strengthen the construction of large models, introduce large models with 100 billion parameters, tune, train and adapt the scenes in the industry with our own corpus, follow up the development of open source large model technology, and develop large models with 100 billion parameters in professional scenes. On the other hand, explore the application of big model in retail, wholesale, middle and back office. At the same time, build a large model experience platform, access to a number of domestic mainstream large models.

　　In the view of Wu Dan, a researcher at China Banking Research Institute, at present, banks have increased their application and exploration of big model technology, and strengthening their customer service capabilities with financial technology empowerment is conducive to enhancing the core competitiveness and customer attraction of banking business. In the context of the current narrowing of net interest margin, it is also beneficial for banks to accelerate the pace of digital transformation and enhance their non-interest business capabilities such as smart investment and care, and to seize market share and enhance profit margins.

　　"The smart big model has strong data capture, text understanding and calculation and analysis capabilities, which can improve the existing service quality and efficiency of banking institutions on the basis of deeply tapping the potential value of big data." Wu Dan said that it is very important for the banking industry to accelerate the research, development and application of technologies in the field of big models, which is also the key link to do a good job in digital finance.

　　Broad space for development

　　In recent years, financial management departments have promoted the digitalization process of China’s financial industry as a whole, and taken various measures to encourage the innovation and application of financial technology to enhance the efficiency of financial services to the real economy. In January 2022, the People’s Bank of China issued the Financial Science and Technology Development Plan (2022-2025), which proposed to promote the digital transformation of finance with high quality and improve the modern financial system adapted to the development of digital economy.

　　On January 26th of the same year, the former General Office of China Banking and Insurance Regulatory Commission, China issued the Guiding Opinions on the Digital Transformation of Banking and Insurance Industry, proposing that by 2025, the digital transformation of banking and insurance industry will achieve remarkable results. Digital financial products and services have been widely popularized, financial innovation based on data assets and digital technology has been practiced in an orderly manner, the development ability of personalized, differentiated and customized products and services has been significantly enhanced, and the quality and efficiency of financial services have been significantly improved.

　　In the field of securities, in June, 2023, China Securities Industry Association issued the Three-year Improvement Plan for Network and Information Security of Securities Companies (2023-2025), encouraging qualified brokers to make full use of new technologies to actively promote the construction of a new generation of core systems and carry out the transformation and upgrading of the technical framework of core systems, and clearly stated that the average investment in information technology of brokers should not be less than 10% of the average net profit or 7% of the average operating income from 2023 to 2025.

　　Experts believe that under the background of the new round of scientific and technological revolution and the in-depth development of industrial transformation, deepening digital transformation is an inevitable choice for the financial industry to practice the innovation-driven development strategy. Under the continuous guidance of policies, financial institutions will continue to increase the exploration of digital applications represented by large-scale model technology.

　　The Report on the Application of Generative AI in Financial Industry in 2024 jointly released by Tsinghua University Institute of Economics and Management and Du Xiaoman shows that financial institutions can carry out more product innovation, provide more effective credit support, underwriting claims and market financing for the real industry, release huge financial data value, improve the financial service level of the real economy, and promote the innovative development of financial institutions themselves, and move towards the ranks of powerful financial institutions.

　　For the banking industry, Wu Dan suggested that the digital transformation of the banking industry should focus on intelligent, personalized, universal and other key directions. Using AI technology to accurately identify customer needs and provide flexible and diverse personalized services is conducive to improving customer experience and customer stickiness. Use financial technology to extend financial inclusiveness and provide more convenient financial services for small and micro enterprises at a lower cost.

　　"It is expected that the banking industry will make better use of data elements, improve the infrastructure of digital finance development, enrich the application of digital finance scenarios, and increase the exploration and practice of digital finance development security, so that digital finance can empower technology and finance, green finance, inclusive finance and pension finance to better meet economic and social development and people’s demand for high-quality financial services." Yan Feipeng said. (Economic Daily reporter Ma Chunyang)

　　On March 29, 2023, local time, Ukrainian soldiers stood in front of a tank in the Donetsk region. Vision china diagram

　　Senior US government officials revealed that confidential documents about NATO and the United States assisting Ukraine in preparing for war were leaked and appeared on social platforms this week. The Pentagon is investigating this.

　　According to a report by The New York Times on April 6, these leaked documents detailed a secret plan of the United States and NATO, which planned to help Ukraine prepare for the spring counterattack against Russian troops. The leaked documents appeared on social platforms such as Twitter and Telegram. Telegram is a social platform widely used in Russia.

　　The report quoted military analysts as saying that some parts of the leaked documents seem to have been revised, exaggerating the US estimate of the number of Ukrainian people killed in the conflict and reducing the estimate of the number of Russian people killed. Although there are traces of revision, the document still discloses information about weapons delivery, troop setting, strength, action plan and so on.

　　Officials of the US President Biden’s government tried to delete these leaked information from the Internet, but as of the evening of April 6, local time, it was still unsuccessful.

　　The New York Times said that the leaked documents did not provide a specific operational plan. Besides, these documents have been out of date for five weeks. However, these documents can provide analysis materials for military personnel.

　　According to Reuters’s report on April 7, Ukrainian government officials said that the leaked documents were "false intelligence actions" by the Russian side, aiming at "spreading doubts" about Ukraine’s counter-offensive plan.

　　Xinhua News Agency, Shenyang, August 7th Title: Building the "lifeline" of the people — — On-the-spot record of Liaoning’s fight against the rare torrential rain in history

　　Xinhua news agency reporter

　　When the sun shines on the earth again, people hit by torrential rain begin to clean the flooded courtyard, look at the flooded farmland and rebuild their new lives. On the severely damaged rural roads, the fleets, police cars and material supply vehicles of the pontoon bridge troops continue to advance to the key disaster areas … …

　　Since August, Chaoyang, Xiuyan in Anshan, Zhuanghe in Dalian, Yingkou and other places in Liaoning have been hit by torrential rains, and the rainfall in many places has exceeded the historical extreme. Faced with the huge waves, the party committees and governments at all levels in Liaoning Province, the officers and men of the armed police and the grassroots cadres and the masses have mobilized urgently and composed a generous and heroic song of the land of Liaoning.

　　Rainfall in many places exceeded the extreme value.

　　Affected by the remnants of Typhoon No.10, heavy rainfall occurred in Chaoyang, Huludao, Jinzhou and Fuxin in western Liaoning on the 2nd.

　　Late at night on the 2 nd. The building of Liaoning Flood Control and Drought Relief Command Center is brightly lit.

　　The responsible person of Liaoning provincial government led the members of the provincial flood control and drought relief headquarters to pay close attention to the rain and water conditions in various places. On the electronic big screen, satellite cloud pictures and precipitation statistics in various places are displayed in real time. Meteorologists analyze the trend of typhoon and rainfall on the spot. Through the communication system, the headquarters keeps in touch with the main leaders of the city’s defense finger in real time and dispatches on the spot.

　　The heavy rain came as scheduled, accompanied by a gust of 9, and some trees on the roadside were uprooted. According to the statistics of the meteorological department, from the evening of the 2nd to the afternoon of the 3rd, heavy rain fell in more than half of western Liaoning, and local heavy rain occurred. The single-day rainfall in Chaoyang City has exceeded the local historical extreme.

　　On the 3rd, the rainfall in western Liaoning basically ended. Typhoon Haitang has not yet receded, and typhoon Olu will affect Liaoning again. It is predicted that there will be heavy rain in Zhuanghe, Dalian, Xiuyan, Anshan and other places on the night of the 3rd, and local heavy rain will occur.

　　A flood is an order. That night, the Liaoning Provincial Defense Index dispatched and directed various places to urgently transfer people, and meteorological, land and other departments intensively issued the rainstorm and geological disaster warning … …

　　At 3 am on the 4th, the Chamber of Commerce of Liaoning Anti-Finger Association was in an emergency. On the electronic big screen, the rainfall histograms of the 25 towns with the largest rainfall in the province have all turned red. Since then, the rainfall has continued to climb in a straight line, and the rainfall in parts of Xiuyan, Zhuanghe and Gaizhou has reached the level of torrential rain.

　　According to the monitoring of the meteorological department, the maximum daily precipitation in Xiuyan is 317.3 mm, which breaks through the historical extreme; Zhuanghe has the largest rainfall since meteorological records were recorded in 1956.

　　Put people’s life safety first.

　　At 6 o’clock on the 4th, the main leaders of Liaoning Provincial Party Committee and Provincial Government rushed to the Provincial Defense Command Center to hold a meeting on flood control and flood fighting. At the meeting, the person in charge of Anshan Municipal Committee asked for support: the torrential rain caused the road power of eight villages in Xiuyan to be interrupted, and three of them formed islands. The situation was grim, and troops and helicopters were requested for support!

　　"People’s life safety must be put in the first place!" After learning about this situation, the main leaders of the Liaoning Provincial Party Committee and the provincial government immediately led a team to Xiuyan to guide flood control and disaster relief. On the morning of the same day, six helicopters and pontoon troops went to the hardest hit area to rescue the people trapped by the flood and get through the isolated island disaster relief channel.

　　Luquanzi Village in longtan town, a remote Manchu Autonomous County in Xiuyan, was once disconnected from the outside world for 12 hours in this catastrophic flood, and the safety of more than 3,200 people in 20 residential groups in the village touched the hearts of all walks of life. "Almost all the seven bridges that went out in the village were broken." Hu Yingquan, the village party secretary, recalled afterwards.

　　What Hu Yingquan didn’t expect was that after 17: 00 pm on the 4 th, public security, fire fighting and various rescue organizations successively entered the village.

　　Wang Dayong, chief of the training section of Xiuyan County Public Security Fire Brigade, said that at 15: 30 pm on the 4th, 50 fire officers and soldiers from Anshan and Panjin came to support them, carrying rescue equipment, and headed for Lujuanzi Village on foot. The road was interrupted and we had to walk through the cornfields. Fire officers and soldiers are connected by thick ropes in groups of 5, and move forward. "The mud is so deep that I can hardly pull my feet out, and I have encountered several rolling stones." Wang Dayong said that after more than five hours of trekking, the fire officers and soldiers came to the village branch of Luquanzi, which was already in the evening. After arriving at the village branch, they learned that the vast majority of villagers were safe, and there were still two more remote villagers’ groups that were not checked. The rescue team checked these two villagers’ groups overnight to ensure safety, and then withdrew from Lujuanzi Village the next day.

　　Before the rain, Dalian zhuanghe city conducted a thorough investigation on reservoirs, offshore operations, key areas prone to mountain torrents, mudslides and geological disasters, dangerous sections of rivers and various water conservancy projects, closed nine tourist attractions in the city, arranged special personnel to be responsible for the elderly, the sick, the five-guarantee households and the low-guarantee households, and strictly guarded the weak links such as seawalls and moisture-proof dikes to ensure the safety of people’s lives and property.

　　If the flood does not recede, the cadres will not withdraw.

　　According to preliminary statistics, the torrential rain affected 358,000 people in Xiuyan County and 25,000 people in zhuanghe city. The province has transferred and resettled more than 150,000 people.

　　It is better to believe in it than to believe in it; It’s better to believe it’s big than it’s small. This is the principle repeatedly emphasized by Liaoning before this torrential rain. Governments at all levels have built the "lifeline" of the people with responsibility and responsibility.

　　"2-3 days before the rainstorm, all the notices on TV, SMS and WeChat were about to rain heavily. Until the rainstorm, the big speakers in the village kept broadcasting to let us transfer." Wang Shaomin, a 40-year-old villager, said, "On the evening of the 3rd, the village went to the village branch to take shelter from the rain." He recalled that he simply cleaned up and went to the village branch to take shelter.

　　In the early morning of the 4 th, the pouring rain kept falling. "God seems to have missed it." Then, he heard the rumble of mountain torrents. "Fortunately, I came out from home early." Wang Minmin said with emotion.

　　According to the unified arrangements of the Liaoning Provincial Party Committee and the provincial government, before the flood, all cadres at the county level sank to the front line to guide flood fighting and disaster relief. Zhou Hui, secretary of the Disciplinary Committee of Xiuyan County, said: "We demand that all cadres who go to the grassroots level will not retreat from the flood, and the cadres will not withdraw. At present, we must resolutely protect the lives of the people." (Reporter Feng Lei, Sun Renbin, Zou Mingzhong, Zhang Yifei, Cai Yongjun)

The metal middle frame with exquisite glass backboard is not only high-end atmosphere, but also particularly textured, which is full of technology in your hand. This color scheme is really amazing. It can show rich and delicate color changes under different light, just like a work of art, which fully meets my high requirements for the face value of mobile phones. The body design of the mobile phone fits the palm of your hand very well, and the grip is great. You won’t feel tired after using it for a long time. The details are handled in place, and the rounded transition at the edge makes the whole more comfortable.

With the increasing number of high-rise residential buildings, secondary water supply has become a problem closely related to people’s livelihood. Recently, some citizens have reported that there is a problem with the secondary water supply in their homes: some homes are empty, but the water meters are turning; Some question that there is a lot of water consumption in the home, but the property cannot be solved; Some people think that the water pressure of secondary water supply in the home is a little low, and hope that the water pressure can be high … The problem of secondary water supply has become one of the hot issues of public complaints.

A citizen who lives in Mulan Garden, Dragon City, Oriental reported that his home is a secondary water supply. In the past, the water used to be normal and the water pressure was high. "The bath is standing far away, and the water from the faucet can also be drenched." However, since the water supply company adjusted the water pressure, the water pressure in the home has become lower. Many residents in the same building have the same confusion, and the water experience is not as good as before. It is suggested that the water supply company adjust the water pressure to the same high as before.

The reporter learned from Huayan in Wuhu that the high water pressure has an impact on the lives of residents in the community! With the change of occupancy rate and water consumption, Wuhu Huayan will adjust the secondary water supply pressure according to the relevant national standards to achieve energy-saving, efficient, time-saving and labor-saving high-rise water supply!

"At this stage, before 2015, most of the secondary water supply facilities and pump rooms in Wuhu City were built and operated by real estate enterprises. After delivery, the operation and maintenance of the secondary water supply equipment were managed by the residential property company. In case of insufficient pressure and increased water charges, the main target of citizens’ consultation and reflection was our water supply company." Wuhu Huayan staff introduced that due to some enterprises’ unprofessional management, poor service, aging facilities unable to maintain, untimely cleaning and disinfection of water tanks (pools), and chaotic use of equipment brands and quality, failures occurred from time to time, which brought hidden dangers to water supply safety. The water supply company does not own the property rights of these secondary water supply facilities, nor is it authorized to manage these equipment, only to ensure that the water is qualified when it enters the community.

In 2015, Wuhu City issued the Measures for the Administration of Secondary Water Supply in Wuhu City and other relevant laws and regulations, requiring that the management of secondary water supply be comprehensively strengthened to ensure the safety of urban water supply. Subsequently, Wuhu Huayan actively participated in the formulation of secondary water supply standards, project construction and handover, and 66 projects have been completed and put into operation. It has played a positive role in promoting the standardization construction of secondary water supply facilities in Wuhu, and also opened a good start for the future work of "unified construction and unified management" of secondary water supply.

The reporter learned that the problems reflected by residents of secondary water supply are mainly in the following aspects:

Is the water pressure of secondary water supply as high as possible?

Some residents may think that the higher the water pressure, the better, which is more comfortable to use. In fact, there is an upper limit on the pressure of water supply pipeline. If the pressure of water supply is too high, it will do great harm to pressurizing equipment, water supply equipment and water consumption equipment. According to the standard of Technical Specification for Secondary Water Supply Project in Anhui Province, the pressure of the lowest-level household pipe in each partition should not exceed 0.35Mpa. If the community supplies water with ultra-high pressure for a long time, it will cause great harm.

Water supply exceeding the design pressure will not only lead to the long-term overload operation of the pressurized water pump and increase the power consumption (increase the owner’s share of electricity), but also the pressurized related equipment (water pump, check valve, connector, butterfly valve, etc.) will be easily damaged. Long-term ultra-high pressure water supply, the pressure of water supply pipeline exceeds the design value, which is easy to cause water leakage and damage of water supply equipment pipeline (especially pipeline joints and bends in weak links), and increase the phenomenon of leakage and pipe explosion. On the one hand, it will often stop water maintenance, affect residents’ lives, on the other hand, it will also cause water waste and increase the water sharing of residents. Because the water pressure requirements of household sanitary wares and household appliances are designed according to national standards, the long-term high water pressure of households will also lead to the damage of the toilet bowl, affect the service life of water heaters and faucets, and the household water consumption will also exceed the normal range, resulting in an increase in electricity bills.

I am away from home for a long time, why does the water meter generate expenses?

This is because there is air in the water pipe due to the pressure of the pipe mixed with air and the change of water temperature, and the pulsation effect caused by it makes the water meter installed in some positions slowly move when there is no running water. Wuhu Huayan suggested that users should contact the management unit of secondary water supply to help close the valve before and after the water meter, so as to avoid idling of the water meter.

Why does my home use secondary water supply on the fifth floor?

This is designed according to the actual situation of the developer in the early stage of construction, which may be caused by the high floor height, high terrain and low local water pressure.

Is the water quality of secondary water supply guaranteed?

Since the promulgation of the Measures for the Administration of Secondary Water Supply for Urban Residential Buildings in Wuhu City in 2015, according to the relevant regulations, the secondary water supply management unit needs to clean the secondary water supply tank every quarter, and the health and epidemic prevention department needs to conduct random inspections and issue relevant water quality test reports.

　　This year’s 618, as the sponsor, JD.COM will start at 8: 00 pm on May 31st, while Tmall intends to pre-sell at 8: 00 pm on the 13th. Therefore, JD.COM started the Heart Shopping Season at 8: 00 pm on the 13th. This also made the 618 e-commerce war 36 days ahead of schedule for the first time, thus becoming "the longest 618 in history".

　　As the head gun of "the longest 618 in history", Li Jiaqi, the head anchor of Tmall, started the pre-sale of 618 on the 13th. On the same day, JD.COM Supermarket officially announced that the live broadcast room of JD.COM Supermarket will be broadcast simultaneously with Li Jiaqi, and the same or similar goods will be sold in stock, and a 10% discount will be given on the price of the live broadcast room in Li Jiaqi, which is full of gunpowder.

　　It is understood that when you open the JD.COM APP and search for "JD.COM Supermarket Purchase and Sale", you can enter the JD.COM supermarket purchase and sale live room and buy 10% off the same spot goods in Li Jiaqi.

　　According to reports, with its exclusive "self-operated mode" advantage, JD.COM abandoned intermediate links, directly purchased from brands, and greatly reduced commodity prices with the advantage of large-scale procurement; At the same time, different from the live broadcast mode of other platforms, all the live broadcast rooms in JD.COM have "no pit fee and no commission", which will benefit consumers and realize the lowest price in the whole network.

　　Different from the anchors with goods on other platforms, JD.COM is an expert in a certain kind of goods, and the goods sold in the live broadcast room are one of the best in JD.COM, with the best quality and the highest cost performance. Data show that last year, the order volume of live broadcast rooms in double 11 and JD.COM increased by 3.8 times year-on-year.

　　It is understood that this year, JD.COM 618 integrated state subsidies, take-away sales of 10 billion yuan, agricultural subsidies of 10 billion yuan, and factory goods subsidies for the first time, bringing consumers the preferential treatment of "making up and making up".

　　On May 13th, Li Jiaqi said that it would start random red envelope rain in the live broadcast room, and set different red envelope limit numbers according to different fan levels. If the fan level is low, the number of red envelopes that can be grabbed will be greatly limited.

　　On the contrary, the live broadcast room of supermarket in JD.COM said that they would not classify users into three categories, and all consumers would be treated equally, with the same rights, they could receive the same red envelope, enjoy the same preferential strength and would not engage in price discrimination.