Domestic colleges and universities expose plagiarism again.

Recently, The Paper (www.thepaper.cn) received a report that a master’s degree thesis of Northeastern University was similar to a master’s degree thesis of Shanghai Jiaotong University in a large area.

These two papers are respectively the master’s thesis of Sun Yong, a graduate of Northeastern University majoring in mechanical engineering in 2008, "Optimal Design and Simulation Analysis of the Pneumatic System of Vacuum Cleaner" (hereinafter referred to as "Sun Yong’s thesis") and the master’s thesis of Li Bihong, a graduate of Shanghai Jiaotong University majoring in vehicle engineering in 2006, "Structural Design and Optimization of the Pneumatic System of Vacuum Cleaner" (hereinafter referred to as "Li Bihong’s thesis").

Cover of Li Bihong’s paper

Li Bihong’s thesis was completed in February 2006, and Sun Yong’s thesis was completed in January 2008. In terms of time, Sun Yong’s thesis was completed nearly two years later than Li Bihong’s.

The Paper reporter downloaded the above two papers from Wanfang Data Knowledge Service Platform. After comparison, it is found that the main contents of the two papers are highly similar, and several paragraphs are almost verbatim, and nearly 80% of the references are completely consistent.

On the afternoon of April 2, The Paper contacted the Academic Committee of Northeastern University and the Scientific Research Office of the School of Mechanical Engineering and Automation of Northeastern University. The staff of both institutions said that they were not aware of the matter and could not give a specific reply for the time being.

Later, The Paper contacted Yang Ying, the instructor of Sun Yong’s thesis and a professor at the School of Mechanical Engineering and Automation of Northeastern University. "Just follow the normal (reporting) channels." Yang Ying said to The Paper.

The content of the text is highly similar

After comparing the two papers, The Paper found that the research objects of the two papers are the gas path system of the vacuum cleaner.

The structure of Li Bihong’s paper is divided into five chapters, namely "Introduction", "Brief introduction of the air path system of the vacuum cleaner", "Structural design and optimization of the suction port of the vacuum cleaner", "Structural design and improvement of the gravity settling chamber of the vacuum cleaner" and "Summary and discussion".

Compared with the structure of Li Bihong’s paper, Sun Yong’s paper has two more chapters, which are divided into seven chapters, namely, introduction, brief introduction of vacuum cleaner and its working principle, analysis of working medium characteristics of gas pump, dust particle movement mechanism and design of suction port, simulation analysis and structure optimization of suction port, simulation analysis and optimization design of gravity settling chamber and summary and discussion.

Although the structural design of the two papers is different, part of the text is highly similar.

The third section of the first chapter of Li Bihong’s thesis.

The second section of the chapter "Introduction" of Sun Yong’s thesis.

Taking the first chapter "Introduction" as an example, Li Bihong’s paper wrote in the first paragraph of the third section of this chapter "Research Status and Application of Vacuum Cleaning Vehicles at Home and Abroad": "In developed countries abroad, the research on vacuum cleaning vehicle technology is gradually developed and perfected with the improvement of road sweeper performance. According to the relevant information, the technical research of vacuum cleaner abroad mainly focuses on these three aspects: 1. Providing the operating performance of products. New technologies such as control and information are applied to the vacuum cleaner, and an intelligent vacuum cleaner is developed. For example, the vacuum cleaner in Elgen, USA, adopts electromechanical integration design, applies microcomputer and automatic control technology, and has 57 functional designs; The vacuum cleaner uses more than a dozen sensors with superior performance, and transmits all kinds of information with different working conditions, different media, different parts, different environments and different functions to the control center (single chip microcomputer). After receiving the relevant information, the control center comprehensively processes the information, and then sends control instructions to the actuator to control the movement of relevant parts of the vacuum cleaner. 2. Improve the working efficiency of the gas path system. Optimize the product structure and improve the operation effect. For example, there is an’ S’ type dust particle separator in the large-volume garbage bin of EIGLN dust collector in the United States, which can separate dust particles more effectively and increase the dust removal efficiency. 3. Innovative product development methods. Combining virtual design and manufacturing technology with computational fluid dynamics analysis technology, it is applied to the design and production process of vacuum cleaner, forming digital design and production mode, speeding up product renewal cycle and improving product efficiency. "

The second section of the "Introduction" chapter of Sun Yong’s paper is "Research Status and Application of Vacuum Cleaners Abroad". In the first paragraph, the specific expression is: "The application of vacuum vacuum cleaner was earlier in foreign countries, and the research on vacuum cleaner technology was gradually developed and perfected with the continuous improvement of the performance requirements of public sweepers. According to relevant information, the research on vacuum cleaner technology abroad is mainly focused on the following aspects: 1. Providing product operability technology: applying new technologies such as control and information to vacuum cleaner, and developing intelligent vacuum cleaner. For example, the vacuum cleaner in Elgen, USA, adopts electromechanical integration design, applies microcomputer and automatic control technology, and has 57 functional designs; The vacuum cleaner uses more than a dozen sensors with superior performance, and transmits all kinds of information with different working conditions, different media, different parts, different environments and different functions to the control center (single chip microcomputer). After receiving the relevant information, the control center comprehensively processes the information, and then sends control instructions to the actuator to control the movement of relevant parts of the vacuum cleaner. 2. Improve the working efficiency of the gas path system: By optimizing the structural components of the gas path system and adopting different dust removal and filtering materials, the volume of the vacuum cleaner can be reduced and the working effect can be improved as much as possible. For example, there is an’ S’ type dust particle separator in the large-volume garbage bin of EIGLN in the United States, which can separate dust particles more effectively and increase the dust removal efficiency. 3. Innovative product development methods: combining virtual design and manufacturing technology with computational fluid soft mechanics analysis technology,When it is applied to the design and production process of vacuum cleaner, it forms a digital design and production mode, speeds up the product update cycle and reduces the product development cost. "

In the above two paragraphs, Sun Yong’s paper is almost identical with Li Bihong’s paper except for modifying individual wording, changing "fluid mechanics" into "fluid soft mechanics" and the difference of three punctuation marks.

Screenshot of the second chapter of Li Bihong’s thesis on "the overall structure of vacuum cleaner".

Screenshot of the second chapter of Sun Yong’s paper on "the overall structure of vacuum cleaner".

For another example, the first section of Chapter 2 of Li Bihong’s thesis "The overall structure of vacuum cleaner" reads: "The vacuum cleaner is modified by adding a special device on the second-class chassis of the truck. The special device mainly includes two parts: gas path system and hydraulic control system. The gas path system is the core part of the vacuum cleaner, and its working condition determines the overall performance of the vacuum cleaner. The gas path system includes two subsystems: dust collection and dust removal, which are mainly composed of high-pressure centrifugal fan, gravity settling chamber, dust suction port, secondary dust collector, ventilation pipeline and other components. There are two main forms of power supply for the gas path system: single engine type and double engine type. " Li Bihong’s paper also presents the principle of single engine and double engine in the form of legend.

Sun Yong wrote in the second section of the second chapter "Overall structure of vacuum cleaner": "Generally, vacuum cleaner consists of a general vehicle chassis and a van-type working device. The chassis is usually the second-class chassis of freight cars, and the working device mainly includes two parts: the gas path system and the hydraulic control system. The gas path system is the core part of the vacuum cleaner, and its working condition determines the overall performance of the vacuum cleaner. The gas path system includes two parts: dust suction and dust removal, and is mainly composed of high-pressure centrifugal fan, gravity settling chamber, dust suction port, subsequent dust collector, ventilation pipeline and other components. The gas path system can be divided into single engine type and double engine type according to the different power supply forms. " Sun Yong’s paper also presents the principle of single engine and double engine by drawing.

There is no difference between the above two paragraphs except that the first sentence and the last sentence are simply rewritten, and the "secondary dust collector" is changed to "subsequent dust collector", and other contents, including diagrams, are all the same.

Part of the contents of the fourth and fifth chapters of Sun Yong’s thesis are similar to some of the contents of the third chapter of Li Bihong’s thesis.

Screenshot of the content of the third chapter of Li Bihong’s paper "The take-off process of dust particles".

Screenshot of the fourth chapter of Sun Yong’s paper "The take-off process of dust particles".

For example, in the third chapter of Li Bihong’s paper, he wrote: "Under the action of wind, when the average wind speed is about equal to a certain critical value, individual prominent dust particles start to vibrate or swing back and forth under the influence of turbulent velocity and pressure pulsation, but they do not leave their original positions; When the wind speed increases beyond the critical value, the vibration will also be strengthened, and the head-on resistance and rising force will increase correspondingly enough to overcome the action of gravity. The larger rotating torque urges some of the most unstable dust particles to roll or slide along the bed surface first. Due to the diversity of geometric shapes and spatial positions of dust particles and the variability of stress conditions, during the rolling process, some dust particles will gain great momentum when they meet with raised dust particles on the surface or are impacted by other moving dust particles. Dust particles with great impulse will quickly change their movement mode, from horizontal movement to vertical movement, and suddenly jump up into the airflow to start moving. "

The fourth chapter of Sun Yong’s thesis also has a section on "the take-off process of dust particles". The specific content is as follows: "Under the action of wind, when the average wind speed is about equal to a certain critical value, individual prominent dust particles start to vibrate or swing back and forth under the influence of turbulent velocity and pressure pulsation, but they do not leave their original positions;" When the wind speed increases beyond the critical value, the vibration will also be strengthened, and the head-on resistance and rising force will increase correspondingly enough to overcome the action of gravity. The larger rotating torque urges some of the most unstable dust particles to roll or slide along the bed surface first. Due to the diversity of geometric shapes and spatial positions of dust particles and the variability of stress conditions, during the rolling process, some dust particles will gain great momentum when they meet with raised dust particles on the surface or are impacted by other moving dust particles. Dust particles with great impulse will quickly change their movement mode, from horizontal movement to vertical movement, and suddenly jump up into the airflow to start moving. "

The above two paragraphs are exactly the same.

Screenshot of the content of the first section of chapter 3 of Li Bihong’s paper, "Performance simulation analysis of dust suction port".

Screenshot of the fifth chapter of Sun Yong’s paper "Performance Simulation Analysis and Structure Optimization of the Dust Suction Port".

For another example, the third chapter of Li Bihong’s thesis mainly discusses "the performance simulation analysis of the dust suction port". This section begins with an overview of computational fluid dynamics, which mainly involves the application field of computational fluid dynamics, the simulation process of computational fluid dynamics, CFD software structure and so on. Among them, the first paragraph reads: "Computational Fluid Dynamics (CFD) is the product of the combination of modern fluid mechanics, numerical mathematics and computer science. It analyzes the system including fluid flow and heat conduction through computer numerical calculation and image display. The basic idea of CFD can be summed up as follows: replace the original continuous physical fields in time domain and space domain, such as velocity field and pressure field, with a series of sets of variable values at a limited number of discrete points, establish algebraic equations about the relationship between field variables at these discrete points through certain principles and methods, and then solve the algebraic equations to obtain the approximate values of field variables. "

The title of Chapter 5 of Sun Yong’s paper is "Performance Simulation Analysis and Structure Optimization of Dust Suction Nozzle", which also begins with "Overview of Computational Fluid Dynamics", including "Application Field of Computational Fluid Dynamics", "Simulation Process of Computational Fluid Dynamics" and "CFD Software Structure". The first paragraph reads: "Computational Fluid Dynamics (CFD) is the product of the combination of modern fluid mechanics, numerical mathematics and computer science. It analyzes the system including fluid flow and heat conduction through computer numerical calculation and image display. The basic idea of CFD can be summed up as follows: replace the original continuous physical fields in time domain and space domain, such as velocity field and pressure field, with a series of sets of variable values at a limited number of discrete points, establish algebraic equations about the relationship between field variables at these discrete points through certain principles and methods, and then solve the algebraic equations to obtain the approximate values of field variables. "

The two paragraphs listed above are verbatim.

Taking the fourth chapter of Li Bihong’s thesis and the sixth chapter of Sun Yong’s thesis as an example, it is found that the two chapters are similar in a large area.

For example, when discussing the spatial structure of the gravity settling chamber, Li Bihong wrote: "The gravity settling chamber of the vacuum cleaner is installed on the vehicle chassis, so the size of the vehicle chassis is a factor that affects the structural design of the settling chamber. The length, width and height dimensions of the gravity settling chamber shall not exceed the dimensions defined by the vehicle chassis. The size of gravity settling chamber should be arranged according to the principle of short, wide and long. If the settling chamber is too high, the dust particles on the upper part will settle to the bottom for a long time, and the dust particles will often be taken away by airflow before falling to the bottom. After the cross-sectional area of circulation is determined, the width increases and the height can be reduced. However, in the vacuum cleaner, the ash box and the settling chamber are integrated, and the height of the ash box must be reduced as much as possible on the basis of ensuring the requirements of solvent C. Lengthening the length of the settling chamber can improve the dust removal effect of the settling chamber. "

The sixth chapter of Sun Yong’s paper also has related discussion, specifically: "The gravity settling chamber of vacuum cleaner is installed on the vehicle chassis, so the size of the vehicle chassis is a factor that affects the structural design of the settling chamber. The length, width and height dimensions of the gravity settling chamber shall not exceed the dimensions defined by the vehicle chassis. The size of gravity settling chamber should be arranged according to the principle of short, wide and long. If the settling chamber is too high, the dust particles on the upper part will settle to the bottom for a long time, and the dust particles will often be taken away by airflow before falling to the bottom. After the cross-sectional area of circulation is determined, the width increases and the height can be reduced. However, in the vacuum cleaner, the ash box and the settling chamber are integrated, and the height of the ash box must be reduced as much as possible on the basis of ensuring the requirements of solvent C. Lengthening the length of the settling chamber can improve the dust removal effect of the settling chamber. "

The above two paragraphs are exactly the same.

In addition, in the "summary and discussion" section, the summary of Sun Yong’s paper is the same as that of Li Bihong’s paper, except that it does not contain the "subject innovation" of the latter’s paper.

Screenshot of Li Bihong’s paper "Thanks".

Screenshot of Sun Yong’s paper "Thanks".

More than half of the references are consistent, and the words "thanks" are the same.

The two papers are highly similar in content, and there are similarities in references and acknowledgements.

The Paper comparison shows that there are 34 references in Li Bihong’s paper and 33 references in Sun Yong’s paper. Among them, 26 of the 33 references in Sun Yong’s paper are consistent with those in Li Bihong’s paper.

Looking at the thank-you part again, Li Bihong wrote in the first paragraph of the paper "Thanks": "This paper was completed under the careful guidance and care of the tutor Professor Chen Jie, and each chapter embodies the painstaking efforts of the tutor and expresses heartfelt thanks to Mr. Chen for his education and guidance. In the past three years of postgraduate study and life, Mr. Chen’s profound knowledge, rigorous and truth-seeking attitude, dedicated work attitude and innovative spirit have left a deep impression on me, which has benefited me a lot and will be enjoyed for life. "

The first paragraph of Sun Yong’s paper "Thanks" reads: "This paper was completed under the careful guidance and care of my tutor, Professor Yang Ying, and each chapter embodies the tutor’s painstaking efforts. I would like to express my heartfelt thanks to Mr. Yang for his education and guidance again. And I would like to express my gratitude to all the teachers and leaders of Northeastern University who have been teaching me earnestly in the past three years of postgraduate study and life! Their profound knowledge, rigorous and realistic academic attitude and dedicated work attitude left a deep impression on me, which benefited me a lot and will be used for life. "

In the above two paragraphs, many adjectives are the same. At the same time, Li Bihong and Sun Yong thanked their wives and family members with the same words "shared a lot for me, silently supported me and inspired me to finish my studies".

Instructors suspected of plagiarizing papers: follow normal channels

Although Sun Yong’s thesis and Li Bihong’s thesis have a large area of similarities, both master’s degree theses have an Original Statement.

The authors of both papers said that their master’s degree thesis was the result of independent research work under the guidance of their tutors. Except where quotations and acknowledgements have been indicated, it does not include research results that have been published or written by others. Both of the original statements bear the author’s personal signature and date.

Due to the completion time of the paper, Sun Yong’s paper was nearly two years later than Li Bihong’s, and Sun Yong’s paper, which was completed in January 2008, was suspected of copying Li Bihong’s paper.

On the afternoon of April 2, The Paper called the Academic Committee of Northeastern University to verify the alleged plagiarism of Sun Yong’s paper. A staff member told The Paper that they had not received a formal report on this matter and could not give a specific result. If a formal report about academic misconduct or plagiarism is received, the investigation will be accepted.

Subsequently, The Paper contacted the Research Office of the School of Mechanical Engineering and Automation of Northeastern University, and the office staff also said that they were not aware of this matter and needed to know more.

The Paper also contacted Yang Ying, the instructor of Sun Yong’s thesis and a professor at the School of Mechanical Engineering and Automation of Northeastern University. "Just follow the normal (reporting) channels." Yang Ying said this on the phone.

The Paper learned from official website of Northeastern University that in April 2016, Northeastern University published the Detailed Rules for the Investigation and Punishment of Academic Misconduct in Northeastern University in official website, in which Article 14 stipulates that if a student has academic misconduct, the relevant functional departments of the school will give him corresponding punishment according to the relevant regulations on student management according to the identification opinions or reconsideration results. If academic misconduct is directly related to obtaining a degree, he can be treated as delaying the award of a degree, not granting a degree or revoking the degree according to law.

    Recently, the "transcripts" of listed insurance companies in 2023 have been released one after another. Among them, the overall performance of the property insurance industry is bright, and the profitability of the company remains stable, showing strong development resilience as a whole. The annual report shows that in 2023, the auto insurance business of listed insurance companies grew steadily, and the non-auto insurance business continued its high growth trend, which became an important driving force for the growth of property insurance premiums. At the same time, many insurance companies also showed optimistic expectations for premium growth in 2024 at the performance conference. According to the data of the State Financial Supervision and Administration Bureau, in 2023, the original premium income of property insurance companies was 1.59 trillion yuan, and the compensation expenditure was 1.07 trillion yuan. Among them, the premium income of auto insurance, liability insurance, agricultural insurance, health insurance and accident insurance was 867.3 billion yuan, 126.8 billion yuan, 143 billion yuan, 175.2 billion yuan and 50.9 billion yuan respectively.

    The auto insurance market is mixed.

    Auto insurance has always been the basic disk of the property insurance industry. Since 2023, under the influence of many factors, such as travel recovery, frequent disasters and rising cost competition, it is challenging for property insurance companies to realize underwriting profit. According to the annual report, PICC P&C Insurance, Ping ‘an Property Insurance and Taibao Property Insurance, the "old three companies" in the property insurance industry, realized the original premium income of about 1 trillion in 2023, accounting for about 63% of the market share, and the Matthew effect formed by the scale advantages of the three companies continued to intensify.

    Among them, the auto insurance premiums of these three companies totaled 602.99 billion yuan, up 5.7% year-on-year, and contributed 15.765 billion yuan of underwriting profit with nearly 70% market share, exceeding the profit level of the entire auto insurance industry. Specifically, PICC P&C has the largest auto insurance business, with a premium income of 285.626 billion yuan, a year-on-year increase of 5.3%; Ping An Property & Casualty Insurance and CPIC Property & Casualty Insurance earned 213.85 billion yuan and 103.514 billion yuan respectively, up 6.2% and 5.6% respectively.

    Despite the steady growth of auto insurance premiums, the "third family" of the property insurance industry has to face the reality that underwriting profits have fallen sharply. The data shows that PICC P&C Insurance, Ping An Property Insurance and CPIC Property Insurance realized underwriting profits of 8.623 billion yuan, 4.732 billion yuan and 2.41 billion yuan respectively, down by 41.1%, 41.09% and 15.02% respectively.

    In this regard, industry insiders analyzed that on the one hand, the demand for public travel increased after the epidemic, and the frequency of using cars increased sharply. In addition, in 2023, some areas were affected by natural disasters such as heavy rain and typhoons, and the number of auto insurance reports increased, and the pressure on insurance companies to pay compensation continued to increase. On the other hand, in 2023, insurance companies gained greater autonomy in pricing, and some insurance companies may adopt more radical pricing strategies, resulting in insufficient premium income to cover the increased compensation costs.

    There is another phenomenon worthy of attention in the 2023 annual report, that is, the proportion of new energy auto insurance has risen rapidly. In recent years, with the popularization of new energy vehicles, consumers’ demand for new energy auto insurance is also rising. At the annual performance conference, Yu Ze, vice president of PICC China, said that the growth of PICC P&C insurance business in 2023 mainly comes from the growth rate of new energy auto insurance. According to the annual report of the group, the number of new energy vehicles underwritten by PICC China in 2023 increased by 57.7% year-on-year. Taibao Property & Casualty also showed in the annual report that in 2023, the company explored a new business model of new energy vehicles, integrated the overall layout into the automobile industry ecology, and established a flat cooperation mechanism with car companies. In 2023, new energy auto insurance increased by 54.7% year-on-year.

    However, compared with traditional fuel vehicles, the comprehensive cost ratio of new energy auto insurance is higher, which directly affects the underwriting strategy and profit of auto insurance; The "three highs" of high premium, high risk rate and high payout ratio have been puzzling insurance companies and policyholders. Experts in the industry believe that new energy auto insurance has not yet achieved profitability from the industry level, but large insurance companies have excellent comprehensive cost ratio due to their advantages in resources and talents, and the future of new energy auto insurance is worth looking forward to. Yu Ze revealed that the comprehensive cost ratio of new energy vehicle commercial insurance of PICC P&C Insurance is about 7 percentage points higher than that of auto insurance as a whole. Gu Yue, chairman of CPIC Property & Casualty, said that CPIC Property & Casualty conducted a project research on the new energy auto insurance market three years ago. In 2023, the growth rate of the company’s new energy auto insurance exceeded 50%, accounting for 1 to 2 percentage points higher than that of the industry. Although the new energy auto insurance is still losing money at present, the comprehensive cost rate will show a downward trend in 2023. "We are full of expectations for the future development of new energy auto insurance. The company will give full play to the role of the head enterprise and take the lead in trying first, and actively promote the high-quality development of China’s auto industry." Gu Yue said.

    Deeply cultivate the market, explore and innovate

    Non-auto insurance is the "second growth curve" of property insurance companies. In 2023, the original premium income of PICC P&C non-auto insurance business was 230.181 billion yuan, an increase of 7.4%; The original premium income of non-auto insurance business of CPIC Property Insurance was 84.828 billion yuan, an increase of 19.3%; Sunshine Property Insurance’s non-auto insurance business realized the original insurance premium income of 18.10 billion yuan, a year-on-year increase of 14.9%; Taiping Property Insurance’s non-auto insurance service income increased by 16.7%, and its business structure continued to be optimized.

    From the perspective of insurance types, Italian health insurance, liability insurance and agricultural insurance have developed rapidly. In 2023, PICC P&C’s planting insurance and breeding insurance business continued to maintain rapid development, and agricultural insurance realized insurance service income of 52.857 billion yuan, a year-on-year increase of 10.6%; Accidental injury and health insurance business realized insurance service income of 43.747 billion yuan, an increase of 23.8%. The original premium income of freight transportation insurance of China continent insurance was 1.406 billion yuan, an increase of 31.7%. The original premium income of CPIC Property & Casualty Liability Insurance was 19.657 billion yuan, up by 31.4%;

    Yu Ze said that PICC P&C always attaches great importance to the profitability of non-auto insurance and continuously improves its profitability. On the one hand, innovate the development model of "insurance+risk reduction service+technology"; On the other hand, take the initiative to reduce some businesses and carry out comprehensive management of high compensation. "Under the normal disaster level, PICC P&C will control the comprehensive cost ratio of non-auto insurance within 100% and strive for further optimization." Yu Ze said.

    The relevant person in charge of Sunshine Property Insurance said that in the non-auto insurance business sector, Sunshine Property Insurance continued to improve the pricing ability of non-auto insurance products and risk service solutions based on serving the national strategy and supporting the real economy, and established a non-auto insurance data life table system with "one table and two volumes" as the overall framework, which supported the underwriter’s business quotation ability, led and supported the sales team’s market expansion ability, and further consolidated the balanced development foundation of non-auto insurance business.

    Compared with the traditional insurance companies which mainly focus on auto insurance, Zhongan Online Property Insurance Co., Ltd. is based on its own specialty, and has paid more attention to the potential network market. For example, e-commerce insurance products that provide scenes such as return, quality, logistics, after-sales service and merchant performance payment for e-commerce platforms; Continue to introduce products such as pet insurance, accident insurance for innovative scenes, broken screen insurance for mobile phones, drone insurance and home property insurance. In terms of performance, in 2023, the total premium of Zhongan’s online e-commerce business segment reached 6.593 billion yuan, a year-on-year increase of 25.3%; The premium of air travel business segment reached 3.242 billion yuan, an increase of 89.0%; The total transaction volume of pet insurance reached 500 million yuan, an increase of nearly 150%. Diversified scenarios mean a broader market space, but it also means that Zhongan Online needs to continuously improve its actuarial and service capabilities.

    Taking pet insurance as an example, the annual report shows that Zhongan Online’s pet insurance covers six categories of spontaneous disease protection for pets, with health management services, including deworming, vaccination, online consultation and dietitian consultation, as well as optional value-added protection such as pet third-party liability insurance and pet death compensation. However, the reporter also noticed that there have been many complaints about Zhongan online pet insurance on major complaint platforms and various social media. Specific complaints include that the insured thinks that the insurance clauses are ambiguous, does not understand the reasons for refusing to pay compensation, refuses to pay compensation without reason or reason, etc.

    Experts said that after the comprehensive reform of auto insurance, the property insurance industry still needs to increase its efforts to develop non-auto insurance business. Only when multiple sectors go hand in hand can it better help the insurance industry to play the role of "stabilizer" and "shock absorber".

    Preventing and controlling risks and helping development

    The Central Financial Work Conference and this year’s "Government Work Report" both put forward that five major articles on technology and finance, Green Finance, inclusive finance, Pension Finance and Digital Finance should be well written, which pointed out the direction for the high-quality development of the financial industry. "Serving the overall situation of the country" and "doing five major financial articles well" have become hot words in the annual reports and performance conferences of listed insurance companies.

    According to the annual report, the amount of risk protection undertaken by PICC China in 2023 exceeded 3,500 trillion yuan, and by the end of 2023, the investment scale of implementing "eight strategic services" was nearly 800 billion yuan. At the performance meeting, Zhao Peng, vice chairman and president of PICC China, also introduced the Group’s measures to serve the country, including the outstanding achievements of serving the construction of modern industrial system, rural revitalization, self-reliance in science and technology, improving people’s livelihood and well-being, and green development. Among them, in terms of self-reliance and self-reliance in service technology, China PICC underwrites 110,000 high-tech enterprises, providing 87.2 trillion yuan of risk protection; In terms of green insurance, it provided 75.5 trillion yuan of risk protection, a year-on-year increase of 20.4%.

    China Taiping has comprehensively incorporated the strategic evaluation index system of serving the country into the group budget and the assessment of subsidiaries, which is closely integrated with the high-quality development of business. By the end of 2023, China Taiping had provided 137 trillion yuan of risk protection for the whole society, an increase of 6.3% over the beginning of the year. Among them, the premiums of social security insurance, agricultural insurance, green insurance, catastrophe reinsurance and strategic emerging industry insurance all increased significantly.

    Behind the eye-catching "transcripts" is the determination of insurance companies to spare no effort to explore deep-seated business model changes, and it is also a node for the current high-quality transformation and development of the insurance industry.

    Wang Tingke, chairman of PICC China, once said that the new business model has different manifestations in different business fields of insurance companies. In terms of property insurance, PICC China has implemented the business model of "insurance+service+technology", defined the positioning of different business segments, and proposed to do better and strengthen the core business of property insurance. "PICC P&C will deepen the implementation of the risk reduction service project, innovate and practice the business model of’ insurance+risk reduction service+technology’, improve the matrix management system, and accelerate the construction of world-class property insurance companies." Wang Tingke said.

    The annual report released by China Taiping also revealed the group’s powerful measures for risk prevention and control in 2023. Among them, in strengthening the comprehensive risk management system, the group has established and improved the working mechanism of risk screening in advance, timely warning and decisive response; In strengthening internal audit compliance construction, focus on key areas, carry out special risk investigation, promote early identification, early warning and early disposal of potential risks, and actively resolve stock risks. At the same time, the Group also promoted the effective transmission of risk appetite and effectively prevented the occurrence of unexpected risk events.

    When talking about the importance of risk reduction management, Wang Tingke said that preventing and resolving major risks is the key task of current financial work and the eternal theme of financial and insurance enterprises. People’s Insurance Company of China will continuously upgrade the Comprehensive Risk Management Action Plan, make great efforts to improve the foresightedness, initiative and effectiveness of risk management, and ensure high-quality development with high-level safety. At the same time, PICC China will further strengthen digital construction, formulate and implement digital construction action plans, strengthen the application of new technologies such as artificial intelligence in insurance scenarios, and effectively improve the level of digital intelligent operation management and customer service capabilities. (Reporter Wu Yadong)

　　The first meeting of the 20th Central Financial and Economic Committee emphasized that it is necessary to implement the national strategy of actively responding to the aging population, promote the construction of the basic old-age service system, vigorously develop the silver-haired economy, accelerate the development of a multi-level and multi-pillar old-age insurance system, and strive to achieve a sense of security, a sense of worthiness and a sense of happiness for the elderly.

　　In recent years, China has vigorously developed the cause and industry of providing for the aged, providing a more solid guarantee for the realization of a sense of security for the elderly. Among them, insurance, banking and other financial industries continue to increase their support for the elderly, and while innovating financial products for the elderly, they strive to enrich the supply of old-age services and provide more choices for the elderly to enjoy their old age.

　　The insurance industry will expand the old-age service model to help better realize the sense of security, worthiness and happiness for the elderly.

　　In the morning, after eating nutritious breakfast, go for a walk in the small garden downstairs; In the afternoon, study chess and crafts with old friends in the old-age community; In the evening, watch movies and listen to the radio in the room … … In a retirement community in Maizidian Street, Chaoyang District, Beijing, 82-year-old Zhang Guangguo was quite satisfied with his life after living in the retirement community.

　　This is an old-age community operated by insurance institutions. "The details are very intimate. There are handrails next to the toilet, and you can take a bath in the bath. There are anti-slip mats on the ground. Professional health service stations are convenient for us to check up and get maintenance advice. This makes me feel practical. " Zhang Guangguo said.

　　In recent years, the community for the aged has gradually been welcomed by the elderly, and the community provides corresponding medical care and care services according to the physical condition and age stage of the elderly.

　　The pace of community construction for the aged is accelerating, and the insurance industry is involved. For example, China Pacific Insurance will undertake social institutional pension projects in the form of entrusted management for the first time on the basis of self-investment and self-construction and self-management of multiple pension communities; Taikang Insurance provided community services for the aged earlier in China, and new projects were put into operation this year. Some insurance institutions set up private equity investment funds for healthy old-age care to provide financial support for the old-age care community and high-quality enterprises in the upstream and downstream of the old-age care industry chain.

　　What are the reasons why the insurance industry continues to exert its strength in the pension industry? According to industry insiders, the pension community has a large investment scale and needs long-term stable financial support, which has a high matching with the characteristics of insurance funds. At the same time, the pension industry also has a high correlation with the main insurance industry.

　　"Providing old-age care services has a pulling effect on the main business of insurance." The person in charge of an insurance institution said that in recent years, the insurance demand of the people has changed, and the insurance products with additional pension services are more attractive, which is conducive to promoting the scale of business; At the same time, from satisfying customers’ single needs to providing one-stop comprehensive services, constantly optimizing service content and improving service quality will help improve customer satisfaction and trust and enhance customer stickiness.

　　In addition to professional institutions for the aged, the insurance industry is also exploring ways to increase the supply of community-based aged care services. Under the guidance of Beijing Civil Affairs Bureau, Taikang Yicai Public Welfare Foundation and Beihang Community Neighborhood Committee of Huayuan Road Street in Haidian District jointly established Beihang Community Smart Pension Service Consortium, and introduced intelligent networked alarms, vital signs detectors and other equipment to monitor the physical condition of the elderly in real time; Build an information management platform and link more than 20 service providers to provide diversified services such as life care, domestic maintenance, medical rehabilitation, emergency assistance, travel and residence for the elderly at home.

　　Ying Weiwei, chairman of Taikang Yicai Public Welfare Foundation, said that the Beihang Community Smart Pension Service Consortium has been in trial operation since March 2022, and has accumulated more than 1,000 person-times of supply and demand. "The smart pension model will be extended to more communities and professional quality services will be brought to more elderly people."

　　"Continuing to expand the service model for the aged will help the people to choose the appropriate old-age care method according to their own needs, and better realize the old age, the old age and the old age." Wang Xiangnan, deputy director of the Insurance and Economic Development Research Center of China Academy of Social Sciences, said.

　　"Actively guide the development of high-quality and diversified non-basic old-age care services, make them a useful supplement to the basic old-age care service system, and jointly build a multi-level sustainable old-age care service system with China characteristics." The relevant person in charge of the Ministry of Civil Affairs said.

　　Optimize the financial supply and strongly support the better development of the old-age care cause and the old-age care industry.

　　While expanding the supply of old-age care services, financial institutions provide strong support for the better development of old-age care and old-age care industry by increasing capital investment and helping personnel training.

　　— — Under the guidance of policies, more "real money and silver" are invested in the field of old-age care.

　　"At the beginning of this year, the Bank of Communications Henan Branch issued a loan of 24 million yuan, and the interest rate was very favorable. This fund is in place in time to help us better carry out comprehensive old-age service construction projects. " The person in charge of the comprehensive old-age service construction project in Kaifeng City, Henan Province, introduced that the project has a construction area of 26,000 square meters, and it is estimated that more than 800 old-age beds will be added after completion.

　　In November last year, after learning about the financing needs of the project, Henan Branch of Bank of Communications made a field investigation and visited, and granted the project a credit line of 100 million yuan in December last year with a term of 15 years and an interest rate of 4.4%. At the same time, Henan Branch of Bank of Communications actively applied to the People’s Bank of China for the amount of special refinancing support for inclusive pension. At present, the first batch of 24 million yuan loans have been supported by refinancing funds.

　　"Since the beginning of this year, we have applied for 4 special refinancing loans for Pratt & Whitney Pension, with an amount of 84 million yuan. With the support of policies, we will continue to promote the supply of inclusive old-age care services and contribute more financial strength to the all-round construction of inclusive old-age care service system. " Song Baodong, general manager of the corporate business department of Bank of Communications Henan Branch, said.

　　In April last year, the People’s Bank of China and the National Development and Reform Commission decided to carry out the pilot project of special refinancing for inclusive old-age care, guide financial institutions to provide preferential loans to inclusive old-age care institutions, and reduce the financing costs of old-age care institutions.

　　— — Help personnel training and lay a solid foundation for the expansion of old-age services.

　　It is particularly important for the development of the old-age care industry to train more professional old-age service talents. Through the integration of production and education, the financial industry actively assists the training of aged care service talents.

　　Taikang Insurance provides support for ordinary universities and vocational colleges to strengthen the professional construction of pension services, research and develop innovative courses, and carry out practical teaching. Vigorously promote the order training mode and actively support the connection between secondary and higher vocational education in related majors of aged care services; Encourage employees to participate in vocational skill appraisal, improve the mechanism of linking vocational skill level with the salary and treatment of aged care service personnel, and take many measures to help expand the supply of aged care service professionals.

　　Many provinces and cities explore the mode of "family care" and rely on long-term care insurance agencies to provide nursing skills training for relatives and nannies of disabled and demented elderly people according to relevant regulations. Under the professional guidance, "family care" personnel can better provide daily care services for the disabled elderly, such as cleaning and changing clothes, assisting in eating, sleeping care, health monitoring, and assisting in medication, and improve the quality of life of the elderly.

　　— — Strengthen the application of science and technology to improve the quality and efficiency of old-age care services.

　　Old-age care services involve a wide range, and the cost of manpower and material resources is high. Financial institutions rely on the advantages of resources and technology to strengthen the application of scientific and technological innovation and help improve the quality and efficiency of old-age services.

　　In the long-term care insurance pilot, local medical insurance funds play an important role. How to strengthen the supervision ability, make the nursing service delivered accurately, control the risk of funds, and prevent the medical insurance funds from leaking, is an important topic.

　　In Shandong Province, China Life has developed and applied the long-term care handling service system and mobile patrol APP, from the front-end application, viewing and uploading documents to the back-end evaluation, deliberation, filing, setting evaluation content, and later tracking and verification, realizing the whole process of mobile terminal management, effectively saving labor costs, and helping to support the vast rural areas to increase the supply of long-term care insurance and strengthen supervision.

　　Service "cloud" is more convenient for providing for the aged. Insurance institutions will speed up the informatization construction of old-age care services, develop and apply intelligent terminals, old-age care service platforms, information systems, APPs, etc. through technologies such as Internet of Things, mobile Internet, cloud computing and big data, and expand functions such as remote reminder, dynamic monitoring, automatic alarm and disposal, so as to carry out old-age care services more efficiently.

　　Do a good job in risk management, achieve healthy development, and further improve the financial support policy for the aged care service industry.

　　Experts said that in the future, it is necessary to better guide different types of financial institutions to give full play to their respective advantages to participate in the old-age care undertakings and industries, and provide stronger support for improving the supply level of old-age care services on the premise of doing a good job in risk management and achieving healthy development.

　　Lou Feipeng, a researcher at China Postal Savings Bank, said that the financial support policy for the aged care service industry can be further improved, financial institutions can be guided to increase their investment in the field of aged care, financing support and risk protection for aged care institutions should be strengthened according to laws and regulations, and assistance should be actively provided for the development of aged care services such as family aging adaptation and home community aged care service network, so as to promote the high-quality development of the aged care service industry.

　　The industry believes that insurance institutions should improve their investment management capabilities and risk management and control levels, and participate in the development of the aged care service industry in various ways; Property & casualty insurance companies can develop liability insurance for old-age care institutions to meet the latest insurance needs of the old-age care industry.

　　Han Qiang, general manager of China Industrial and Commercial Bank of China’s Pension Business Department, believes that we should intensify service innovation, and design and develop financial products that are suitable for the characteristics of its financing needs in combination with the capital flow path and risk characteristics of China’s pension industry. In addition, we should do a good job in service stratification and provide accurate financial services according to the needs of customers in the fields of medicine, entertainment, travel, nursing and learning.

　　According to industry insiders, in order to better incite social forces to participate in investment in the field of old-age care, corresponding tax incentives and subsidy policies can be given. At the same time, the lower operating costs of the old-age service institutions are also conducive to providing consumers with more inclusive old-age services.

　　Better prevention of risks can continuously optimize the supply of aged care services. Experts said that the "insurance+community for the aged" model requires higher qualifications of operators, so it is possible to set a certain entry threshold for carrying out related businesses, and strengthen supervision and review of access institutions to prevent improper operation and disorderly competition. In addition, when an insurance company sells insurance products that are connected with community services for the aged, it should fully consider various factors that affect the service supply capacity of community services for the aged and the demand of customers for occupancy, establish a calculation model, form a constraint mechanism that matches the scale of insurance products sold with the service supply capacity of community services for the aged, and determine a reasonable scale interval through classification calculation and stress testing.

　　Experts remind consumers that when choosing and purchasing old-age care services, they should pay attention to the formal institutions and channels, and check the investment projects in many ways and treat them with caution. In particular, for some "old-age projects" that are known as "projects under construction, payment first and accommodation guaranteed", we should be vigilant and avoid being deceived. Financial supervision departments should also strengthen monitoring and early warning tips to effectively safeguard the legitimate rights and interests of the elderly.

　　People’s Daily (18th edition, July 10th, 2023)