







The gathering of comedy uses comedy as a pen to describe the joys and sorrows of the people; Take happiness as a beam and convey thousands of gestures of real life.
Comedy is always the cultural necessity of people’s life. In the process of innovation in the whole comedy content market, the Central Radio and Television General Station has made continuous breakthroughs in the comedy track, especially since last year, the frequency of innovation and the intensity of innovation have been strengthened.
Following the comedy program "Golden Comedy Class", "Life is the Most Playful" and other innovative works, "Comedy’s Joy" appeared on CCTV-3 every Saturday night from November 19th. The program brings together comedy "backbone" and multi-comedy styles to open a happy party.

"No matter’ pushing new people’,’ creating new works’ or’ starting a new game’, the performance of Comedy’s Happy Gathering is remarkable," praised Yan Jingming, vice chairman of the Chinese Writers Association. Starting from tapping the "flowing water" of creation, the program, with the original intention of cultivating and expanding the backbone of comedy industry, is a stage for the unknown comedy dreamers, strugglers and pioneers to display their talents, and at the same time, it allows different comedy styles to learn from each other, try all kinds of innovative possibilities of comedy in full discussion, discussion and cooperation, and lead comedy creation to take root in reality, refine life and serve the public, which embodies the innovation of literature and art at the reception desk.
Observe the real life and provide the audience with good emotional value continuously.
"Comedy’s Happy Gathering" means "gathering" to be happy ".At the beginning of the program, the host Xiao Ni revealed the significance of this program, which is to provide continuous happiness for the audience, especially to accompany the living room time on weekends.

The gathering of comedy uses comedy as a pen to describe the joys and sorrows of the people; Take happiness as a beam and convey thousands of gestures of real life. Since the launch of the two issues, vivid works have either made people laugh or cry, or made people laugh and cry together, conveying the happy energy of healing people’s hearts.
In the cross talk "Going Home", Fei Jin and Chen Xi vividly interpreted the entanglement and helplessness between young people’s accompanying their families and social entertainment during holidays, and reflected the understanding and support of their elders for their children; The essay "Understanding is Victory" brought by Mahua FunAge simulates various scenes that people may encounter in the real society, telling everyone to understand each other more in life; Wu Bi, Dai Xu and E Jingwen’s essay "If Marriage is a Business" satirizes the bad phenomenon of "haggling over every ounce" in treating marriage with a wedding rehearsal like business negotiation. Li Ding and Zheng Jian’s cross talk "A Serious Anti-fraud Manual" presented a hilarious "Open Anti-fraud Class" …




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The gathering of comedies is rooted in public life, focusing on practical topics that people like to see and feel. Since the launch of the two issues,# How long has it been since you had dinner with your parents # # Will you refuse unreasonable demands in the workplace after 00 #A number of works and other derivative topics have aroused heated discussion among the audience. They all think that these works are not sensational or didactic, but they make people think and gain something after laughing.
"What is particularly eye-catching is that" The Joy of Comedy "has gone to professional judging and adopted the’ audience reservation system’, and the audience of 150 famous comedians at the scene’ reserved’ which comedians can participate in the next round of performances." In the view of Deng Kai, secretary of the Secretariat of the Chinese Writers Association, this model strongly embodies that people’s satisfaction and dissatisfaction should be regarded as the highest standard for testing art in literary and artistic creation, and we must work hard to create works to meet people’s cultural needs and enhance people’s spiritual strength.

"The program function of’ Pinxiao’ is also different from that of traditional professional judges. From Cai Ming, an evergreen in the comedy world, to guests from all walks of life, including comedy recommender Chang Yuan, they are more like’ companion groups’, witnessing, encouraging and inspiring the growth of comedians, speaking from the audience’s perspective, and enjoying happiness with everyone. "Deng Kai commented.
Embrace the youth culture and tell the story of China in the voice of youth expression.
No matter the lineup, mode or works, The Gathering of Comedy reflects the production strategy of getting close to young people.

For example, as a predecessor of the comedy circle, Cai Ming, a special guest comedian, is a "5G surfer" who likes to mingle with young netizens as a "post-05" in recent years. "Comedy recommender" Chang Yuan’s superficial social fear changed his mouth to "take over the stalk king" in seconds, which was such a contrast. Once he appeared in the fast circle, netizens commented: "Chang Yuan’s own comedian buff is really unique, and it won’t be cold with him in this scene."

For another example, the stage of the program abandons the red curtain form of the traditional comedy in the past. Whether it is the "round table" gathering scene when the actors are waiting for the stage, or the changeable space on the performance stage, especially the virtual setting scene, it reflects the trend of socialization, life and brain hole that is more in line with the young aesthetic.
For another example, the themes of most of the works that have been broadcast are closely related to the work, life and social thinking of young people. From "Rumors Stop at the Wise Man" to reflect the social rumor phenomenon through the gossip in the office tea room, to "Hello Boyfriend" to spit out her boyfriend’s "romantic" behavior, and "Mom, the Wolf is Coming" satirizes the contemporary people’s addiction to mobile phones … The comedy’s Happy Gathering is based on the principle of "reality is the body, means are the use" and makes the comedy work a substitute for young people with its spicy and hilarious expression.
Among them, "Rumors Stop at the Wise" gained a lot of resonance after it was broadcast. "This is playing my most annoying colleague." "As long as we don’t care, gossip will always get the lesson they deserve." "The content is too real. In fact, the program is telling us not to be cruel and trivial because of gossip, and we should give our care to the really important people around us." From these hot discussions, it can be seen that "The Gathering of Comedy" is gradually gathering young eyes.

Li Chunli, deputy director of the Literature and Art Department of Guangming Daily, said: "Since the program was broadcast twice, young ideas are everywhere, young vigor is everywhere, and young attitudes are everywhere. The program activates the youthful vitality of comedy in a way that not only continues the tradition but also brings forth the new. More importantly, no matter how innovative, the works insist on starting from the Vientiane life, interpreting the stories around ordinary people, involving the various dimensions of young people’s family, friendship and love, as well as many popular social phenomena, and using the warm praise of truth, goodness and beauty and the powerful whipping of falsehood, ugliness and ugliness, so that the audience can gain enlightenment and wisdom while enjoying happiness. "
Provide a cultural platform to import growth nutrients for the prosperity of the industry.
Although comedy programs have become a "red sea", the audience’s pursuit of happiness is endless, which determines that the high-quality supply of comedy programs is very necessary and will last for a long time. Based on this, the main desk stands at the height of promoting the healthy and sustainable development of the whole industry, providing a platform for the cultivation of comedy talents and the development of comedy patterns, gathering high-quality resources and inputting growth nutrients.

Zhang Dexiang, vice chairman of the Chinese Literary Critics Association and doctoral supervisor of Communication University of China, said, "The Comedy’s Happy Gathering has put the spotlight on a group of unknown and tireless young comedians. Some of them study hard and practice hard for many years, and stick to what they love; Some have always been’ bit part’, but they try to be’ big actors’; Some fight in a relatively small field and take a difficult and lonely road; There are also bold innovations that exude the spirit of’ newborn calves are not afraid of tigers’ … Although the works presented to the audience by "Comedy’s Happy Gathering" are not perfect, the young comedians dare to dream, dare to pursue their dreams, and are diligent in their dreams. "
The gathering of comedies is an inclusive stage. Here, comedy has no boundaries, no definitions and no paradigms. As long as you are careful enough, as long as you are "happy", you can come here.

For example, "Kung Fu Man" brought by Jin Woo Kung Fu Troupe skillfully combines comedy and kung fu, and also moves Weiya to the sketch stage. Through two kung fu men competing for the role of the martial arts film hero, it leads to the truth that "learning martial arts first"; The work "Understanding is Victory" combines drama elements and makes the stage a "game of breaking through the customs" that can be restarted. Fei Jin and Chen Xi, young crosstalk performers, simulated the amazing performances of more than a dozen people with their "doppelgangers", showing people that traditional crosstalk actually has fresh expressions … Then, many forms such as mime+magic, music+comedy will appear one after another, bringing more refreshing and excellent works to the audience.

Youth is the future of career. Only when young literary and art workers are strong can literary and art undertakings form a vivid situation in which the waves behind the Yangtze River push forward the waves. In this regard, Zhang Dexiang said in particular: "The Central Radio and Television General Station, with the attitude of knowing, loving, respecting and using talents, guides these young literary and art workers to keep the right path and take the road, encourages them to innovate more and produce high-quality products, and supports them to take the lead and play the leading role. "The Joy of Comedy" has made the public see their light, and I believe they will take this as a starting point to make the future road more solid and open. "


&&In the documentary image, see the Yellow River rushing and see the national pulse for a thousand years.
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&&Shining Coordinates (Youth): To convey the power of youth in the form of "speech"
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&&Announced that 56 radio and television media fusion brands were selected.
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&&In the image, appreciate the "high value" of China wetland.
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CCTV News:Taiwan Province’s five-day "Hanguang Exercise" was launched in a high-profile manner on the 4th, only to be surprised again and again. On the first day, an F16 fighter plane crashed, and on the second day, it caused a mountain fire … … Some Taiwanese media ridiculed that "there is another package."
Get off to a bad start On the first day, an F16 fighter plane crashed into a mountain and the pilot died.
On the first day of the exercise, an F16 fighter plane crashed in Keelung Mountain.
The plane took off from Hualien base in the east at 13: 09 that day and disappeared on the radar 34 minutes later. In the end, the search and rescue found that the plane crashed and people died, and the wreckage was everywhere, which was terrible.
Pilot’s armband of the wrecked F16 (video screenshot)
According to the description of the on-site search and rescue personnel, there were fragments as big as desks and parts as small as thumbs about 40 to 50 meters around the impact point. It was also found that the clothes, backpacks and armbands of suspected pilots had burning marks, and there were large areas of small pieces of meat and pilot’s underwear hanging on the tree.
Witnesses said that the plane crashed into the protruding ridge of the mountain. Researchers believe that after the plane crashed into the mountain, the pilot and cockpit skidded until it crashed into the valley.
As for why the plane crashed into the mountain? The explanation of the Taiwan military is: the initial judgment may be that the crash was caused by a combination of human and environmental factors, but the specific cause of the crash still needs further investigation.
The picture shows Wu Yanting. (Source: Taiwan Province "Joint News Network")
Coincidentally, Wu Yanting, a 31-year-old pilot who died in the line of duty, had an accident while driving an F16 fighter five years ago. It was because of a mechanical failure that the plane crashed into the sea and he and another pilot parachuted and were rescued. Regrettably, this time I failed to survive again.
Misfortunes never come singly! The next day Tsai Ing-Wen went to the scene to watch Yamakaji.
After the tragic death of a fighter plane on the 4 th, the Taiwan military did not choose to stop the military exercise.
On the 5th, the accident happened again. The most embarrassing thing is that Tsai Ing-Wen was there to observe the accident.

Tsai Ing-Wen (data map)
Early that morning, Tsai Ing-Wen took a helicopter to visit Taiwan’s Pingtung Jiupeng Base. Originally, it was to "inspect the live-fire shooting of precision weapons", but it is estimated that Tsai Ing-Wen himself did not expect that the exercise burned all the mountains.
According to the Taiwan military, during the exercise, two tiangong missiles in each group and three groups in total were launched. As a result, after one of the missiles was launched, an afterburner fell on a hillside not far away, emitting white smoke and igniting weeds. It was about an hour before the mountain fire was brought under control. It is estimated that the burning area is 29 mu.

The exercise caused Yamakaji to be densely covered with smoke (data map)
Want to enhance people’s confidence in the Taiwan military? Tsai Ing-Wen authorities were slapped in the face.
The situation has been constant since the beginning of the exercise. What is the military capability of the Taiwan military? Be clear at a glance.
Pro-green "Taiwan Province Public Opinion Foundation" released on April 23rd about "Right ‘ Guojun ’ The survey "Are you confident in effectively defending Taiwan Province" shows that only 9.6% of the respondents are very confident, 17.5% are still confident, 24.6% are not confident, and 40.8% have no confidence at all.
That is to say, before the exercise, about 65% of the respondents expressed no confidence in the Taiwan military. After two days and two accidents, I wonder if the rest of the respondents will waver.
As we all know, Tsai Ing-Wen authorities have a plan for this military exercise.
On June 2, two days before the start of the exercise, the Taiwan military released a short film entitled "Let’s Go Now" on Facebook, emphasizing that in the face of the pressure of the People’s Liberation Army’s "frequent long-distance training of aircraft and ships in the open sea and deterrence against the Taiwan Strait defense line", we should not take it lightly. If we want to deter the war, we must rely on strong combat power. Only through difficult, strict and practical training and exercises can we twist the "national army" into one.
Some analysts pointed out that Tsai Ing-Wen’s publicity was so great because Democratic Progressive Party’s constant promotion of "flexible Taiwan independence" made it more likely for public opinion on the island to judge the mainland’s "Wu Tong" against Taiwan. Tsai Ing-Wen authorities want to use the image of the Taiwan military as "majestic and mighty" to inspire the confidence of Democratic Progressive Party supporters and canvass for the election at the end of the year.
However, the effect can be imagined, and the "ambitious words" in the short film were slapped in the face in an instant. Just as military experts pointed out, "Hanguang exercise is a reality show that emboldens Tsai Ing-Wen", and it also screwed up.
Hainan Daily Haikou April 9th   (Reporter   Marco) just entered April, with the temperature rising, various mosquitoes such as Aedes and Anopheles began to increase, and the risk of mosquito-borne infectious diseases such as dengue fever also increased. On April 9, the Provincial Center for Disease Control and Prevention issued a dengue fever prevention reminder.
Dengue fever is an acute infectious disease caused by dengue virus, which is mainly transmitted by the bite of Aedes mosquitoes.
Typical symptoms are fever, rash, "three redness" (flushing on face, neck and chest) and "three pains" (headache, orbital pain and musculoskeletal joint pain). A few severe cases can develop into dengue hemorrhagic fever and dengue shock syndrome, leading to bleeding, shock and even death.
Dengue fever is a strict Aedes-borne infectious disease, which spreads continuously from patients/recessive infected people to Aedes mosquitoes to healthy people, and does not spread directly from person to person. At present, there is no vaccine to prevent dengue fever in China, and there is no specific antiviral drug. Support and symptomatic treatment measures are mainly taken.
How can we prevent dengue fever in life, study and work? Is there anything we can pay attention to?
CCTV News:The yield of us treasury bonds has hit new highs for many years. Experts said that the bond yield is inversely proportional to the bond price. Recently, the medium and long-term US bond yield has risen sharply, which has also led to a significant decline in the price of US Treasury bonds in the corresponding period. This reflects that the market believes that the high inflation situation in the United States may last longer.
The data shows that as of October 6, local time in the United States, the yields of 3-month, 2-year, 5-year, 10-year and 30-year US Treasury bonds increased by 7 basis points, 23 basis points, 52 basis points, 69 basis points and 75 basis points respectively compared with the end of August. Among them, the yield of 5-,10-and 30-year US Treasury bonds has risen to a new high in the past 16 years, and the yield of 2-and 3-month US Treasury bonds has reached the highest level in the past 17 years and 22 years.

Wen Bin, Chief Economist of China Minsheng Bank:Influenced by inflation expectations and other factors, since mid-May this year, the yield of U.S. government bonds with various maturities has generally increased. With the recent imbalance between supply and demand in the U.S. government bond market, the price of government bonds with various maturities has declined to varying degrees, and the yield of U.S. government bonds with various maturities has hit new highs for many years.
Reflecting the financial market’s concern about the Fed’s continued high interest rates.
At the same time, the long-term and short-term yields of US Treasury bonds are upside down. The yield of 2-year and 10-year US Treasury bonds has been upside down for 15 months, and the maximum upside down rate was as high as 108 basis points. The yield of 3-month and 10-year US Treasury bonds has been upside down for 11 months, and the maximum upside down rate was as high as 189 basis points.
Wang Qing, Chief Macro Analyst of Oriental Jincheng:The core factor affecting the interest rate trend of short-term treasury bonds is monetary policy and expectation, which means that the market judges that it is unlikely that the Fed will continue to raise interest rates in the short term. The yield of medium and long-term treasury bonds is mainly linked to fundamental factors such as inflation level and economic growth. The current situation shows that the market believes that the high inflation situation in the United States will last longer, and it is expected that the Fed will postpone the interest rate cut next year.
At present, there is an imbalance between supply and demand in US Treasury bonds.
In the third quarter of this year, the net issuance of US Treasury bonds exceeded US$ 1 trillion, a record high in the same period. It is estimated that the net issuance of US Treasury bonds will reach US$ 850 billion in the fourth quarter. However, on the demand side of US Treasury bonds, as the Federal Reserve keeps high interest rates and reduces the purchase scale of US Treasury bonds, the number of buyers of US Treasury bonds decreases. The imbalance between supply and demand is constantly pushing up the yield of US Treasury bonds, bringing down the bond price.

Lu Zhe, Chief Economist of Debon Securities:Since the second half of this year, the issuance of U.S. Treasury bonds has increased significantly, and the Fed has continued to shrink its balance sheet, that is, the Fed sells U.S. Treasury bonds in the market, especially medium-and long-term varieties of Treasury bonds, which has brought about an obvious imbalance between supply and demand in the U.S. Treasury bond market, which has also aggravated the rise in the yield of U.S. Treasury bonds and the decline in prices.
It will continue to have an impact on global financial and trade stability.
With the recent rise in the yield of US bonds, the financial market has fluctuated greatly. Experts said that in the long run, this situation will adversely affect global financial and trade stability in the future.
The yield level of national debt plays an important role in the asset pricing of financial markets. Recently, there have been obvious fluctuations in financial markets from the United States to the world. The US dollar index remained at a high level, and non-US currencies were generally under pressure.
Concerns that the Fed will "keep higher interest rates for a longer period of time" are spreading to the global financial markets, and the yields of European government bonds, including Britain, France and Germany, have generally increased. Experts said that the return of global capital to the US and European markets has also brought external pressure to emerging economies, especially countries with heavy debt burdens.

Wen Bin, Chief Economist of Minsheng Bank:Recently, the yields of government bonds in many developed economies have risen to varying degrees. In addition to the common fundamental factor of high inflation, the spillover effect of rising US Treasury yields is also an important reason. The longer the yield of US Treasury bonds stays at a high level, the more likely it will have a greater impact on global financial stability.
In addition, according to the latest forecast of the World Trade Organization, in 2023, the global merchandise trade volume will only increase by 0.8% year-on-year, which is lower than the 1.7% forecast in April and far lower than the average annual growth rate of 2.6% since the financial crisis.
Wang Qing, Chief Macro Analyst of Oriental Jincheng:High interest rates will aggravate the economic slowdown in developed economies, leading to a decline in the import demand for goods and services in developed economies, and thus global trade will continue to be dragged down, which will slow down the pace of global economic recovery.

Since last year, the enthusiasm of global central banks to buy gold has continued to rise. According to the data of the World Gold Council, central banks bought 77 tons of gold in August and 219 tons in the past three months. Due to the sharp rise in the yield of US Treasury bonds, the performance of the US dollar index is relatively strong. Since late September, the international gold price has declined to some extent.
Lu Zhe, Chief Economist of Debon Securities:Since last year, concerns about geopolitical conflicts, inflation hedging and long-term value preservation have prompted global central banks to increase their gold purchases and reserves. The international gold price is denominated in US dollars, and the yield of US Treasury bonds has risen sharply, pushing up the US dollar, which will inevitably bring downward pressure on the international gold price. However, when the yield of US Treasury bonds continues to rise and the price drops sharply, many countries are increasing their purchases of gold for the sake of asset preservation.
In 2018, the per capita property of Chinese families was 208,883 yuan, an increase of 7.49% compared with 194,332 yuan in 2017, and the growth rate was higher than the per capita GDP growth rate (6.1%).
The net worth of urban households accounts for 71.35% of the family’s per capita wealth, while that of rural households accounts for 52.28%. 93.03% of households own a house.
The financial assets allocation structure of Chinese households is single, and they are still concentrated in cash, demand deposits and time deposits, accounting for nearly 90%. Preventive needs such as medical care, old-age care and children’s education are important factors in family savings. More than 60% of the respondents are risk-averse.
Over the past 40 years of reform and opening-up, China’s urban and rural per capita disposable income has grown substantially, and at the same time, the capital market has developed rapidly, and asset allocation has become an important part of family investment decisions. As one of the important manifestations of unbalanced development, the gap between income and property has become the focus of social attention. "China Family Wealth Survey" involves four sections: household members’ information, household income, expenditure and property, family economic status and life attitude. It focuses on the in-depth investigation of household wealth from the perspectives of urban-rural differences, asset allocation, investor characteristics and investment channels.
Asset allocation and wealth gap are closely related to China’s economic and social development. The high proportion of real estate, single financial asset structure and high precautionary savings all run counter to the expansion of domestic demand, resulting in weak domestic demand growth. A single asset structure is more difficult to resist asset risks, which is not conducive to the stable growth of residents’ property. The larger wealth gap also has a negative impact on labor supply and production investment. In view of this, it is necessary to introduce practical policies to effectively change the current situation of unreasonable asset allocation and widening wealth gap, change residents’ investment expectations and narrow the wealth gap.
There is a big gap between urban and rural family property.
According to the survey report, the per capita property of Chinese households was 208,883 yuan in 2018, an increase of 7.49% compared with 194,332 yuan in 2017, and the growth rate was higher than the per capita GDP growth rate (6.1%). There is a big gap between urban and rural family property. In 2018, the per capita property of urban and rural families was 292,920 yuan and 87,744 yuan respectively, and the per capita property of urban families was 3.34 times that of rural areas, and the per capita property of urban families grew faster than that of rural areas.
There are some differences in property composition between urban and rural residents. Judging from the property structure of Chinese households, real estate accounts for 70%, the net value of urban households accounts for 71.35% of the family’s per capita wealth, and the net value of rural households accounts for 52.28%. The source of per capita wealth growth shows that the increase of net property value is an important factor for the increase of per capita wealth of families in China, and the increase of net property value accounts for 91% of the increase of per capita wealth of families. Therefore, urban households with higher net worth of real estate will gain more wealth accumulation from the substantial increase of net worth of real estate.
There are also obvious differences in the housing composition between urban and rural residents. Rural households mainly build their own houses, accounting for 53.18%, only 21.81% buy new commercial houses and 6.73% buy second-hand houses. Urban households mainly buy new commercial housing, accounting for 36.26%, while self-built housing accounts for only 24.43%, self-built housing accounts for half of rural households, and the proportion of buying second-hand housing is 10.97%. Under the background that the transaction of rural residents’ homestead has not been fully liberalized in China, compared with self-built housing, new commercial housing and second-hand housing have higher value. At the same time, the growth of China’s net real estate value is mainly reflected in new commercial housing and second-hand housing. Therefore, the difference between urban and rural residents’ net real estate value reflects the difference in housing composition between urban and rural residents to a certain extent.
The financial investment structure continues to be single.
With the development of capital market, the investment channels of urban and rural residents are greatly enriched, but from the actual investment share, the financial asset structure of Chinese residents is still single, especially for rural residents, which is consistent with the very low proportion of property income in China’s macro distribution pattern. The capital market needs to be further improved to promote the diversity of financial assets of urban and rural residents, and then improve the property income of urban and rural residents.
According to the survey report, the distribution of financial assets of households is still concentrated in cash, demand deposits and time deposits, accounting for 88%, close to 90%. Among the 35 OECD countries for which data are available, only 8 countries have deposits and cash accounting for more than 50% of household financial assets, and only 3 countries have this proportion exceeding 60%; Among the Nordic countries with wide coverage of social welfare and social security, Sweden, Denmark, Finland and Norway account for 19.34%, 19.95%, 31.14% and 38.75% of household financial assets respectively, all of which are at a low level. A single financial asset structure is not conducive to the balance of asset risks of households, and it is difficult to maintain and increase the value.
Judging from the self-evaluation of risk attitude and risk tolerance, residents with risk aversion attitude account for the majority. It is not difficult to understand that the financial assets structure of residents’ families is characterized by simplification when they are mainly risk-averse and have strong risk aversion motives.
In this round of family wealth survey, respondents rated themselves on their risk tolerance, with 0 indicating the minimum risk tolerance and 10 indicating the maximum risk tolerance. The statistical results show that 32.81% of the respondents have a self-rated risk attitude of 0, which is the highest proportion among all the scores, indicating that the group with almost no risk tolerance accounts for the largest proportion; Only 6.78% of the respondents rated their risk attitude as 6 or above; The proportion of risk averse people with a self-rated risk of 3 or less is as high as 70.33%.
Measuring the family’s risk tolerance according to the degree that the family can bear the loss of investment principal also shows that most families are risk-averse. 5.57% of households can bear the loss of more than 50% of the investment principal, 8.66% can bear the loss of 20% to 50% of the principal, 21.01% can bear the loss of less than 10% of the principal, and as many as 64.76% can’t bear the loss of the principal, which shows that more than 60% of households are extremely risk-averse. At the same time, most urban residents with high per capita wealth are also risk-averse, and the proportion of urban families who cannot bear the loss of principal exceeds 50%, reaching 55.2%; The proportion of rural families is as high as 83.88%.
Higher preventive demand has pushed up the savings ratio and reduced the investment share of other financial assets. According to the survey results, the main reasons for household savings in China are: "coping with emergencies and medical expenses" accounting for 48.19%, "preparing for old-age care" accounting for 36.78%, "preparing for children’s education" accounting for 23.97%, "other reasons" accounting for 20.57%, and "unwilling to take investment risks" accounting for 13.82%. The main reasons for urban and rural household savings are basically the same. Preventive saving for medical care, old-age care and children’s education has become the main motivation of saving, which shows to some extent that China’s social security system needs to be improved to reduce residents’ demand for preventive saving. Higher preventive savings lead to the simplification of financial assets structure, and it is also not conducive to expanding domestic consumption demand.
Real estate forms "crowding out" effect.
Generally speaking, family investment has a certain order, and after one investment reaches a certain level or condition, the next investment will be carried out. The ownership rate and appreciation range of real estate in China make real estate investment the first choice for family investment funds, thus reducing the share available for financial asset investment.
China’s households have a high housing ownership rate. From the perspective of residents’ wealth, the family wealth survey focuses on whether the interviewed families own houses, not whether they own houses in their current residence. According to the survey data, 93.03% households own one set of housing, 3.82% households own two or more houses, and only 3.14% households have no housing. The average number of self-owned houses in the country is 1.02, that is, each family owns one house on average.
The rapid growth of net property value has boosted the enthusiasm of family real estate investment. From the perspective of family wealth structure, the family property structure has not changed much, and the proportion of net property value remains high; Moreover, the increase of family property is largely caused by the increase of net property value. As can be seen from the report, 91% of the increase in family per capita property comes from the increase in net property value. In addition, compared with the national average household property growth rate of 7.49%, the growth rate of net property is close to 10.3%, and the proportion of net property in total household property is further increased.
In recent years, housing prices are in a sustained growth trend. According to the survey data, the net value of real estate is also increasing, which makes households form the expectation that housing prices will continue to rise. Although this expectation is blind, the investment decision of households is still mainly based on past experience. Contrary to the real estate market, the financial market has strong volatility, which affects the asset allocation choice of households and makes them more inclined to invest in real estate.
There are group differences in financial investment.
The survey results show that families with low financial literacy are more likely to face higher investment risks, so they choose to stay away from financial investment. High-income, highly educated groups usually have higher financial literacy and better understanding of relevant financial knowledge and information. In addition, they have higher income and assets, and they can invest in financial assets on the basis of meeting real estate and preventive needs, so the assets are richer in content, and they can make investment decisions more easily and get benefits from them.
With the increase of disposable income, the net value of per capita property owned by families has gradually increased. If residents are divided into 10 equal groups according to per capita disposable income, and then the differences of per capita real estate value in different income groups are investigated, it can be found that the per capita real estate net worth of households with the lowest per capita disposable income is only 41,406.346 yuan; The per capita net worth of households in the highest per capita disposable income group reached 441,735.8 yuan, 10.66 times that of the lowest per capita group. The original value and present value of per capita real estate basically show a trend of increasing with the increase of per capita disposable income, and the debt balance and debt ratio of real estate also increase with the increase of per capita disposable income of families.
In recent years, people have formed an expectation of rising house prices in the future, and the assets allocated to real estate by families with different income levels are increasing. Because high-income families have stronger purchasing ability and financing ability of real estate, the debt ratio and leverage ratio of real estate are also higher.
With the improvement of income level and educational background, the scale and structure of household financial assets show different characteristics. With the improvement of income level, the per capita cash, demand and time deposits of families have increased, and the growth rate is getting bigger and bigger. The per capita cash, demand and time deposits of the families with the highest per capita disposable income are 4.64 times and 3.86 times that of the families with the lowest per capita disposable income, respectively. It is worth noting that with the increase of income level, the investment share of residents’ demand and time deposits continues to decline, while the proportion of investment in savings insurance, national debt, stocks, funds, futures, loans, other financial assets and the balance of foreign currency financial assets gradually increases; With the improvement of educational level, the proportion of current and time deposits held by families has also shown a continuous downward trend.
Internet finance "urban and rural differences"
Internet finance is a typical representative of the "internet plus" model, which can reduce transaction costs and thus stimulate users’ financial needs, which has caused a huge impact on traditional finance.
The survey report shows that the most important function of Internet finance is consumer payment. No matter in the whole country or in urban and rural areas, consumers who have used the Internet consumption payment function far exceed the people who invest and finance through the Internet; Among them, there are obviously more groups who have used the financial investment function of the Internet than those who have raised funds through the Internet. In consumer payment, the use of Internet financial platform has gradually increased with the growth of family wealth, and the use of Internet financial investment means is far less common than Internet consumer payment means. At present, ordinary people still have some doubts about the safety of Internet financial investment, and the function of Internet financial investment needs to be further explored.
Relatively speaking, people are less familiar with the Internet financing platform. With the further development of Internet technology, through the application of new technologies such as big data, cloud computing and blockchain, the Internet financing platform has alleviated the problem of information asymmetry to a certain extent. Coupled with fast loan repayment procedures and flexible and convenient loan repayment period, the Internet financing function has developed rapidly in recent years. However, at present, Internet financing lacks iconic products in the fields of consumer payment and financial investment, such as Alipay, WeChat payment and Yu ‘ebao, and the popularity of various products is not high enough, and the utilization rate is relatively low.
In addition, the usage rate of Internet financial instruments is higher in developed regions. In cities and towns, more than 70% of respondents use the internet to pay; In rural areas, the proportion is less than 30%. The data shows that the proportion of residents using Internet payment methods in the eastern region is close to all urban residents, and the proportion of groups using three or more Internet payment methods is significantly higher than others, and the proportion of groups using two Internet payment methods is also higher than that using only one Internet payment method. The proportion of Internet payment in the central and western regions is far from that in the eastern region, and urban residents with relatively high financial literacy have gained more convenience from Internet finance.
(Source: Economic Daily, Family Wealth Research Group of China Economic Trend Research Institute)
Simply put, refreshing the mobile phone is to reload the currently displayed page or application interface of the mobile phone to make it present the latest content or status. This operation is very common when we use smart phones. Whether browsing the web, using social applications or playing games, we may need to refresh our phones.
Next, I will introduce how to refresh your mobile phone in detail step by step:
Step 1: Understand the refresh scenario.
First of all, we need to know when we need to refresh our mobile phone. Generally speaking, when you feel that the content of the currently displayed page is delayed, wrong or incomplete, you can try to refresh it. For example, when browsing news, the news list is not updated; In social applications, chat messages are not displayed synchronously; Or when using the shopping application, the list of goods is not fully loaded, etc.
Step 2: Select the refresh mode.
There are two main ways to refresh the mobile phone: drop-down refresh and click the refresh button. Drop-down refresh is the most common refresh method. You just need to slide your finger from top to bottom on the screen for a certain distance, and usually the page will start to refresh. Clicking the refresh button is suitable for some application interfaces, and usually a refresh button is displayed at the top or bottom of the page, which can be refreshed by clicking it.
Step 3: perform refresh operation.
When you choose the appropriate refresh method, you can start the refresh operation. For drop-down refresh, you need to quickly slide your finger on the screen for a distance from top to bottom until the page starts to refresh. For clicking the refresh button, you just need to find the refresh button and click it.
Step 4: Wait for the refresh to be completed.
After the refresh operation starts, you need to wait for the page or application interface to load. This process may take several seconds, depending on the network speed and mobile phone performance. During the refresh process, you may see some loading prompts displayed on the page or interface, such as "Loading" or "Refreshing".
Step 5: Check the refresh result.
When the page or application interface is loaded, you need to check the refresh results. Generally speaking, the refreshed page or interface will display the latest content or status. You can browse the news list, check the chat message or check the product list to confirm whether the refresh is successful.
Through the above five steps, you can easily refresh your mobile phone. It should be noted that frequent refresh operations may consume more mobile phone traffic and power, so it is recommended to refresh as needed in actual use. In addition, if the problem cannot be solved after refreshing, you may need to check the network connection or contact the application developer for help.
This newspaper (reporter Lin Zhongming correspondent Xie Lijuan)"Hello, Mr. Wu, I am a staff member of Zhabei District Procuratorate. Please comment on the marking service we provide." Recently, lawyer Wu of Shanghai Yingke Law Firm received a return call from Zhabei District Procuratorate in Shanghai.
In order to effectively protect lawyers’ right to practice, the hospital has explored and established a "window reception evaluation system", which stipulates that lawyers should pay a return visit by telephone within five working days after coming to the hospital to find out the lawyer’s satisfaction with the service attitude and service content of the reception staff, the knowledge of online booking marking, case flow information push, and the opinions and suggestions for the procuratorial organs to improve the lawyer’s reception work. The quality of window reception is tested by data verification, and feedback opinions are collected.
The "window reception evaluation system" introduced by the hospital was praised by lawyers for providing "after-sales service" for procuratorial organs, and lawyer Wu was one of the beneficiaries. Not long ago, he received a message on his mobile phone, saying, "Your appointment for inquiring about the case progress of 14…457 (application for serial number) has been approved ……" Through this service, lawyer Wu can immediately obtain the process information of the case he has entrusted in the procuratorial process. When receiving a call from the hospital for a return visit, Mr. Wu gave full marks.
The introduction of "new service" has brought more "surprises" to lawyers’ practice, and the continuous improvement of "old service" has also brought better services to lawyers. During the return visit, a lawyer mentioned that the efficiency of the lawyer’s marking was improved by using the "snapshot instrument" to remake the files and burn CDs, but sometimes the lawyer would go directly to the detention center after marking, so he could not take his laptop to watch CDs, hoping to increase the copying service. However, the prosecutor of the hospital also noticed that because the evidence in the case file was secret before the trial, the "quick-shooting instrument" was used to take photos and engrave the disc, and the watermark of "lawyer’s marking" was printed to prevent leakage. If you increase the copy service, you should also take necessary measures to prevent leaks. To this end, the hospital carved a "special seal for marking and copying", which not only facilitated lawyers, but also prevented leaks.
Sun Songjun, head of the case management department of the hospital, said, "The significance of a return visit is to collect lawyers’ opinions in time, analyze the feasibility of problem solving, and implement rectification measures. This is the significance of using the concept of’ after-sales service’ to do lawyer reception work."
It is understood that since February 2014, the hospital has accepted 71 lawyers’ marking, conducted 38 return visits, collected 7 feedback opinions and formulated 3 corresponding rectification measures.
(Original title: Lawyers receive "after-sales service" Zhabei, Shanghai: collecting opinions through return visits to improve reception level)
CCTV News:In the past few days, there has been continuous heavy rainfall in Xinglong County, Chengde, Hebei Province. Seven villages have suffered from flash floods, and they once lost contact with the outside world, and roads, electricity and other infrastructure have been seriously damaged. With the opening of some breakpoint roads, the reporters from the reception desk entered one of the lost villages — — Liudaogou village What is the situation there? Look at the report.
Fighting against time for emergency rescue and disaster relief rushed to the front line of flood control and disaster relief
Recently, flash floods caused by heavy rainfall have damaged some villages in Weichang County, Chengde, Hebei Province. In times of crisis, for the safety of villagers and tourists, Ning Ying, who is pregnant, is still sticking to the front line.
Xinfeng village, located in Weichang Manchu and Mongolian Autonomous County, is located between two mountains, with low terrain. The flash floods caused by heavy rainfall have accumulated a lot of silt on the roads and villagers’ yards in the village. When the reporter saw Ning Ying, secretary of the village party branch, she was helping the villagers to strengthen their houses and clean up the mud. Although she has been pregnant for more than seven months, she is rushing to the front line of flood control every day.

As busy as Ning Ying, Dai Chunyu, a cadre from Baocun Village and chairman of the People’s Congress of Kalun Township, Lanqi County, has been organizing cadres and volunteers from party member to help villagers clean up the silt in the yard and on the road, and coordinate machinery and equipment to widen the river.
Dai Chunyu is responsible for Xinfeng and Brick Kiln in Karen Township, Lanqi County, Weichang County. Brick Wayao Village is surrounded by mountains on three sides. Before the arrival of heavy rainfall, Dai Chunyu and village cadres put 40 villagers from 16 families in low-lying areas into the village committee. Due to the timely transfer, the sudden flash floods did not cause casualties.

Also in Kalun Township, Lanqi, the rain washed away the bridge from the agricultural greenhouse near Jinshantang Village to the outside world, and 12 tourists and local villagers were trapped in the greenhouse base. After receiving the distress message, the local township and village cadres, together with the villagers, pulled up a rescue channel on the river with ropes, and moved the trapped tourists and villagers to safety in one trip.
Jizhou, Tianjin: The damage situation is being counted and production and life will be resumed as soon as possible.
On the 29th, the rainfall process in Jizhou District of Tianjin ended. As the flood receded, on the 30 th, the local related loss statistics work was started, and the production and living order was restored as soon as possible.
In Duanzhuang Village, Xiaying Town, Jizhou District, village cadres are counting the damage from house to house. The flood caused some houses to be flooded, cars, household appliances, furniture, etc., and some roads and villagers’ homes had silt accumulation. The village organized forklifts and other equipment to carry out dredging with the villagers.
Villager Duan Shaodong:This time, the water was too big, and the yard was flooded. Furniture and cars were soaked, and all the losses were registered, and everything was registered.
Duan Xuelin, Party Secretary of Duanzhuang Village, Xiaying Town:There are 76 households flooded in our village and 295 people were affected by the disaster. Our village cadres investigate the property losses of these flooded people door by door and make detailed statistics, ranging from color TV refrigerators to tables, chairs and benches.

In Daping ‘an Village, which is adjacent to Duanzhuang Village, in this rainstorm, individual ponds, farmland and roads in the village were also damaged to varying degrees due to floods. The village is making statistics on the damaged infrastructure and coordinating the materials needed for maintenance. The next step will be to carry out emergency repair work.
Tan Xueli, Party Branch Secretary of Daping ‘an Village, Xiaying Town:The heavy rain washed away the land, the soybeans planted there, and the red fruits, peaches and chestnuts. In addition, this road basically washed away, and the next step must be repaired by the people.