KPMG China Financial Technology 50 List: Beijing, Shenzhen and Shanghai rank in the top three, and 70% of the listed companies have more than 40% technical talents.

Image source: the idea of the worm

Zhu Hanqi, intern reporter of Economic Observer Network  On January 9th, KPMG China released the "2023 KPMG China Financial Technology Enterprises Double 50 List" and the annual trend report.

Huang Aizhou, managing partner of KPMG China Financial Technology, said that in the process of digital transformation of the financial industry, there are unique advantages in the three pillars needed for the vertical model of the industry: algorithm, computing power and data. The financial industry has mastered a large number of historical data and written materials, which provides natural convenience for the development of the industry model; In the process of financial digitalization and intelligence, financial technology enterprises have also formed unique solutions in terms of algorithms and computing power.

The report analyzes the listed enterprises in five dimensions: professional field, city and region, main technical elements, proportion of technical personnel and establishment time.

In the distribution of professional fields, platform technology empowerment and wealth technology rank first and second, Pratt & Whitney technology and insurance technology rank third, and AI and blockchain are still the core technologies in the underlying technologies.

In terms of urban and geographical distribution, Beijing, Shenzhen and Shanghai rank in the top three, and Chengdu ranks fourth for the first time. Tan Wei, chief partner of KPMG in China, Sichuan and Chongqing, said that in recent years, Chengdu has incorporated financial technology into the category of "building a circle and strengthening a chain" and become one of the 28 key industrial chains, forming an ecological layout that integrates Chongqing, links the whole country and sails the whole world.

In the distribution of main technical elements, the types of technical elements are more colorful, and the proportion of technical elements such as safety, credibility and large-scale correlation is obviously improved.

In terms of the proportion of technical personnel, 70% of the listed companies have more than 40% technical personnel, thus occupying an advantageous position in the fierce market competition.

In terms of the time distribution of enterprise establishment, the proportion of listed enterprises established for more than 10 years in 2023 has increased, and more enterprises that have been deeply involved in this field for a long time have continuously consolidated their market position by optimizing data processing, increasing transaction rate, simplifying financial service processes, and innovating financial products and services.

Kpmg chart

In addition, the report also puts forward nine major trends:

Trend 1: The development of financial macro-model will have a far-reaching impact on the paradigm of financial technology industry (annual trend). In the era of mobile internet, domestic manufacturers are actively developing the layout of financial big models, and relevant enterprises need to build competitive advantages by virtue of "having data" and "understanding scenarios". In the future, the wide application of financial macro-model will have the following changes: the change of AI cognition and concept, reshaping customer service process and experience, improving risk management, improving financial service efficiency and innovating financial business forms.

Trend 2: Science and technology investment pays more attention to output energy efficiency, and peer-to-peer science and technology output changes to ecological empowerment mode (integrated financial technology). Comprehensive financial technology enterprises pay more attention to business orientation and precise focus in objectives and methods, and change from technical empowerment to all-round ecological empowerment in service direction.

Trend 3: AI helps to innovate wealth management, and the core system of the organization is autonomous and accelerated (wealth technology). Wealth technology enterprises provide support for wealth management business scenarios such as investment, research and marketing, and will explore more application scenarios of large models to improve efficiency and service upgrade.

Trend 4: Insurance technology has evolved into risk reduction management, and the service boundary (insurance technology) has been continuously expanded in combination with industrial upgrading. Insurance technology companies turn the original uninsurable risks into insurable risks, and penetrate technology into the development process of all walks of life, which leads to new risk management demands.

Trend 5: Digital symbiosis and digital platform services accelerate the development of inclusive finance (Pratt & Whitney Technology).

Small and medium-sized enterprises access digital resources through the digital service platform, build a digital intelligent business process, meet the rapidly changing market demand, and accelerate the digital intelligent transformation of small and medium-sized enterprises.

Trend 6: Multi-parties join hands to expand the new blue ocean of supply chain finance, and scene product innovation is emerging (supply chain technology). The supply chain science and technology platform has accelerated its efforts in the scene business. It is expected that there will be more scene-based innovative products based on data credit in the future, and the traditional confirmation mode will begin to weaken.

Trend 7: Mobile payment innovation scenario application, cross-border payment opens up a new chapter in the sea (payment technology). The third-party payment platform at the C end expands its business by exploring new scenes and product innovation, and the mobile payment platform at the B end provides integrated services based on payment functions. The cross-border payment platform will also provide customers with integrated services to enhance customer stickiness.

Trend 8: Regulatory technology is expected to improve regulatory efficiency with the help of large models (regulatory technology). The development of regulatory technology will rely more and more on scientific and technological means to achieve more efficient and accurate supervision.

Trend 9: A new round of development opportunities will be opened, and a big article on digital finance (platform technology empowerment) will be done with the tide. At the present stage, the trends of innovation and going out to sea are highly certain, and the actions of "data elements ×" and "high-quality development of computing infrastructure" are steadily advanced, and the opportunity of technological change is expected to drive the sustained release of China’s financial technology value.

Weather forecast | It’s a little hot "huo"! The highest temperature in the downtown area in the next three days is 19 C.

During the day on the 10th, all parts of Chongqing were cloudy to cloudy, and some areas were foggy in the morning, with a temperature of 0 ~ 15 C..
According to the forecast of Chongqing Meteorological Observatory, most parts of Chongqing will be cloudy to cloudy in the next three days, and it will be foggy in the morning. It is estimated that on the 11th, the air quality in the central city is good-slightly polluted, and the primary pollutant is PM2.5.
Weather forecast for the next three days
From the night of the 10th to the day of the 11th, most areas turned cloudy, with fog in the morning and sporadic light rain in the southeast, with the temperature of 0 ~ 18 C; The downtown area turns cloudy with a temperature of 10 ~ 16 C.
From the night of the 11th to the day of the 12th, it is cloudy to cloudy, with local fog in the morning, and the temperature is 1 ~ 19 C; The central city turned cloudy to cloudy with a temperature of 11 ~ 16 C.
From the night of the 12th to the day of the 13th, it turned cloudy and foggy in the morning, and the temperature was 2 ~ 20 C; The downtown area turns cloudy and cloudy, and the temperature is 11 ~ 19 C.
Upstream journalist He Yan
Reporting/feedback

Coffee+tea lasts longer!

Original Swagpp mace medicine

Tea and coffee are two of the most widely consumed beverages in the world-

Tea is the second largest beverage in the world after water. About 3 billion people in the world like to drink tea, and basically one in every three people likes to drink tea. How much do you like coffee? According to the statistics of Science, the world consumes an average of 2.25 billion cups of coffee every day, and the cups can simply circle the earth 7.5 times!

Tea containing caffeine, catechin polyphenols and flavonoids has neuroprotective effects, and has the effects of anti-oxidative stress, anti-inflammation and anti-apoptosis. Coffee contains caffeine, which is also a rich source of antioxidants and bioactive compounds. Compared with milk tea, fruit juice, sugary drinks and so on, coffee and tea have naturally become the public’s first choice.

For working "dogs", having coffee and afternoon tea in the morning is really for "continuing life". But have you ever thought that while refreshing your mind, maybe coffee and tea are really helping you continue your life!

The latest research on West China of Sichuan University;

Drink 3 cups of tea or 6-8g of tea every day.

The anti-aging effect is the most obvious.

Tea contains a variety of bioactive substances, among which tea polyphenols are the most concerned. Previous studies have shown that tea polyphenols have anti-oxidation, anti-inflammatory, inhibiting cell apoptosis and regulating epigenetic changes, thus delaying the occurrence of aging. At the same time, animal experiments show that flavonoids and polyphenols rich in tea can prolong the life of worms, fruit flies and mice.

So, can people who drink more tea live longer?

Recently, a research team from West China School of Public Health of Sichuan University found that moderate tea drinking can delay the growth of human biological age. Among them, drinking about 3 cups of tea a day, or 6-8g of tea, has a particularly obvious anti-aging effect. The research was published in Lancet Regional Health-Western Pacific, a sub-journal of The Lancet.

https://doi.org/10.1016/j.lanwpc.2023.100955

The researchers recruited 7931 participants from the China Multi-Ethnic Cohort (CMEC) and 5998 participants from the longitudinal cohort of the British Biological Database (UKB), and estimated their biological ages (BA) by using composite biomarkers and Klemera Doubal method (KDM).

What is the concept of KDM-BA acceleration? The multivariable adjustment model shows that the death risk will increase by 56% every year when the acceleration of KDM-BA increases. In addition, KDM-BA acceleration has a good performance in predicting most elderly-related diseases, such as cardiovascular disease, diabetes and weakness.

There are many kinds of tea covered in this survey, including green tea, scented tea, black tea, sweet tea, black tea, oolong tea, yellow tea and white tea. According to different frequency of drinking tea, participants were divided into three groups: no drinking at present, 1-2 days/week, 3-5 days/week and almost every day. And according to every 200ml as a standard cup, the daily tea consumption of participants was calculated.

What is very innovative is that when people in China drink tea, it is often in bulk rather than in bags. Therefore, the researchers specially measured the amount of tea (in grams) when collecting data.

Research flow chart

In the whole queue, participants who insisted on drinking tea had a lower aging rate.

Specifically, compared with those who never drink tea, participants who change from drinking tea to drinking tea and insist on drinking tea have a slower increase in KDM-BA acceleration, which is simply "aging more slowly".

It was observed in the CMEC cohort that participants who changed from drinking tea to drinking tea had lower KDM-BA acceleration (β = ?0.319, 95% CI: ?0.620 to 0.017) than those who had no habit of drinking tea.

On the other hand, compared with those who have always had the habit of drinking tea, the acceleration of KDM-BA of participants who changed from drinking tea to not drinking tea increased more, that is, they aged faster.

According to the basic information collected, most of the participants who insist on drinking tea are men, who love drinking more and will maintain healthier eating habits. In addition, these participants are less likely to suffer from insomnia, depression and anxiety, especially in CMEC.

Basic information of participants

In order to get more practical conclusions, the researchers evaluated the prospective exposure-response relationship between tea drinking and biological age. Restricted cubic spline shows that with the increase of daily tea consumption, the curve of KDM-BA acceleration decreases continuously until 3 cups/day tends to be flat.

In other words, compared with those who don’t drink tea, participants who insist on drinking 2-3 cups of tea every day have the lowest KDM-BA acceleration. When the amount of tea leaves is taken as the exposure of CMEC, drinking 6-8g of tea leaves every day shows the strongest correlation, that is, the aging speed is the lowest at this time.

Correlation between tea consumption and KDM-BA acceleration

To sum up, there is a close relationship between drinking tea and the decline of biological aging acceleration measured by KDM-BA-the dose-response relationship shows that drinking 3 cups of tea or 6-8g of tea every day can maximize the anti-aging benefits.

It’s the first time that a study has made it so intimate that the grams of tea should be used every day! Why don’t you drink up? !

Drink 0.5-3 cups of coffee every day.

All-cause mortality fell by 12%

But instant coffee is really not good …

The benefits of coffee need not be said. In addition to refreshing, drinking coffee regularly is beneficial to reduce the risk of cancer and type 2 diabetes, control weight, improve depression, and prevent Parkinson’s disease and Alzheimer’s disease. Not only that, recent studies have shown that coffee can also reduce the risk of death, thus prolonging life!

A study published in the European Journal of Preventive Cardiology points out that drinking 0.5-3 cups of coffee a day is related to a 12% decrease in all-cause mortality and a 17% decrease in cardiovascular mortality. Compared with people who don’t drink coffee, coffee stars have better cardiovascular health; But the benefits are decaffeinated coffee and ground coffee, and have nothing to do with instant coffee … …

doi:10.1093/eurjpc/zwac008

The study recruited 468,629 volunteers from British Biobank. These volunteers had no previous history of cardiovascular diseases, with an average age of 56.2 8.1 years, accounting for 44.2% of men, and the average follow-up period was 11(10-12) years.

Among nearly 470,000 volunteers, 22.1% have no habit of drinking coffee, 58.4% drink 0.5-3 cups of coffee every day on average, and 19.5% drink more than 3 cups of coffee every day on average.

The analysis of multivariate Cox proportional hazard regression model shows that compared with people who don’t drink coffee, people who drink 0.5-3 cups of coffee a day have a 12% reduction in all-cause death risk; The risk of cardiovascular death decreased by 17%, and the risk of stroke decreased by 21%.

However, people who drink more than three cups of coffee a day have no obvious improvement compared with those who have no coffee habit. In other words, although drinking coffee often is good for health, it is not the more the better. 0.5-3 cups a day is the best dose of coffee for life.

Relationship between coffee consumption and death risk

Next, the highlight of this study came-the researchers deliberately distinguished the health effects of different types of coffee.

Of all the volunteers who drink coffee, 19.5% are used to drinking decaffeinated coffee, 23.3% are used to drinking ground coffee and 55.1% are used to drinking instant coffee. After adjusting for possible confounding factors, the researchers found that compared with people who don’t drink coffee:

People who drink 0.5-3 cups of coffee every day have a 16% reduction in all-cause death risk (P = 0.001).

The risk of all-cause death decreased by 17% when drinking more than 3 cups of coffee every day (P = 0.022).

0.5-3 cups of ground coffee per day reduced the risk of all-cause death by 25% and cardiovascular death by 25% (P < 0.001).

What is even more shocking is that drinking more than 3 cups of ground coffee a day is associated with a 49% reduction in the risk of cardiovascular death (P=0.008)!

Compared with people who don’t drink coffee, many cardiac function parameters of volunteers who drink coffee without reason and ground coffee are improved. Unfortunately, the researchers found no evidence that drinking instant coffee for a long time can improve cardiovascular health.

The reason why different kinds of coffee have different health effects may be that they have gone through different processing processes and contain different chemical components. For example, although decaffeinated coffee does not contain caffeine, drinking decaffeinated coffee also helps to improve cardiovascular health and reduce the risk of death, indicating that other coffee ingredients besides caffeine are also beneficial to health.

To sum up, this study confirmed that 0.5-3 cups of coffee a day is helpful to improve cardiovascular health and reduce the risk of cardiovascular death and all-cause death. If possible, you can choose decaffeinated coffee and ground coffee!

Coffee+tea doubles the effect.

Drink enough of this amount

The risk of death is reduced by 22%

For most people, drinking tea or coffee is not a single thing, but both. So, what kind of sparks will tea and coffee collide?

Scholars from Tianjin Medical University have answered this long-standing question. They found that drinking coffee and tea in moderation every day can reduce the risk of death. Compared with people who don’t drink coffee or tea, participants who drink 2-4 cups of tea and < 1-2 cups of coffee a day have a lower risk of all-cause death, cardiovascular disease death and respiratory disease death.

(Source: BMC Medicine)

Using longitudinal cohort data of nearly 500,000 people from British Biobank, this study analyzed the relationship between coffee and tea drinking alone or in combination and total mortality and specific cause mortality (including cardiovascular diseases, respiratory diseases and digestive diseases).

First, the researchers investigated the relationship between drinking only coffee or tea every day and mortality. Surprisingly, only drinking coffee or tea has a nonlinear relationship with mortality. Among them, there is a J-type correlation between drinking only coffee and all-cause, cardiovascular disease and respiratory disease mortality, while drinking only tea is an anti-J-type correlation between all-cause and cardiovascular disease mortality; There is a consistent anti-J correlation between drinking only coffee or tea and mortality of digestive diseases.

Specifically, drinking 1 cup of coffee or 3 cups of tea a day has the lowest risk of all-cause death, while drinking about 5 cups of coffee or 6 cups of tea a day has the lowest risk of death from digestive diseases.

* Xiaobian Google learned that the UK 1 cup=250 mL.

Correlation curve between drinking coffee or tea and all-cause mortality and specific cause mortality

(Source: BMC Medicine)

Then, the author further quantified the relationship between the consumption of coffee and tea and the mortality rate. Participants were divided into two groups according to their coffee intake (none, < 1~2, 3~4 and ≥5 cups/day) and tea intake (none, < 1~1, 2~4 and ≥5 cups/day), and their all-cause mortality and specific cause mortality were counted.

The analysis results show that compared with participants with different drinking amounts in the same group, participants who drink 2-4 cups of tea or < 1-2 cups of coffee every day have the lowest mortality rate from all causes, cardiovascular diseases and respiratory diseases.

All-cause mortality drinking coffee or tea (Source: BMC Medicine)

Great, it seems that the benefits of drinking coffee or tea are double-edged, which can actually reduce the mortality rate! Coffee star people and tea star people expressed great satisfaction. Not only that, the researchers also "humanized" the friends who love "the combination of Chinese and western" and analyzed the joint drinking of coffee and tea.

So, is drinking coffee and tea together a "happy takeoff" or a "full of harm"?

Surprisingly, the results show that there is a significant interaction between the co-drinking of coffee and tea and all-cause mortality. For those who drink a little coffee every day, the all-cause mortality increases with the increase of tea intake, but for those who drink a lot of coffee every day, the relationship is U-shaped. However, for people who drink tea every day, no matter how much they drink, the increase of their coffee intake is related to all-cause mortality in a U-shape.

Drinking coffee and tea is combined with all-cause and specific-cause mortality.

(Source: BMC Medicine)

As a result, the researcher draws a data conclusion that can make the majority of migrant workers "ecstatic": compared with those who don’t drink coffee and tea, drinking < 1~2 cups of coffee +2~4 cups of tea every day can reduce people’s risk of all-cause death by 22%, CVD risk by 24% and respiratory disease death risk by 31%!

So, everyone here, warm winter, would you choose poetic tea or romantic coffee? Let’s drink both together!

References:

[1]Simon J, Fung K, Raisi-Estabragh Z, et al. Light to moderate coffee consumption is associated with lower risk of death: a UK Biobank study. Eur J Prev Cardiol. 2022; 29(6):982-991. doi:10.1093/eurjpc/zwac008

[2]Xiang Y, Xu H, Chen H, Tang D, Huang Z, Zhang Y, Wang Z, Wang Z, Yangla, Han M, Yin J, Xiao X, Zhao X. Tea consumption and attenuation of biological aging: a longitudinal analysis from two cohort studies. Lancet Reg Health West Pac. 2023 Nov 22; 42:100955. doi: 10.1016/j.lanwpc.2023.100955. PMID: 38075587; PMCID: PMC10700389.

[3] Chen Y, Zhang Y, Zhang M, Yang H, Wang Y. Consumption of coffee and tea with all-cause and cause-specific mortality: a prospective cohort study. BMC Med. 2022 Nov 18; 20(1):449. doi: 10.1186/s12916-022-02636-2. PMID: 36397104; PMCID: PMC9673438.

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Original title: "Coffee+tea lasts longer! The latest in West China of Sichuan University: Drinking 3 cups of tea every day has the best anti-aging effect! The risk of death from drinking coffee decreases by 22%.

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[Association News] Association leaders and their party went to Yunnan Department of Commerce for docking and exchange.

  Click the "blue word" above to learn more first-hand information about the industry.

  On December 15th, Liang Yuxia, Secretary of the Association, Ma Renhong, Executive President, and Ye Suping, General Manager of Guangdong Jinze Investment Group, Vice President, and others went to Yunnan Department of Commerce for business docking and exchange. Yin Yonglin, the second-level inspector of the Department of Commerce, and leaders of Modern Logistics Industry Department, Exhibition Economy Department, Market System Construction Department, Business Service Department and ASEAN Department attended the meeting.

  The two sides conducted in-depth exchanges on the deployment of Yunnan’s docking with Guangdong-Hong Kong-Macao Greater Bay Area next year, the development and construction of a two-way logistics channel between Guangdong market and Yunnan market, the entry of beef cattle from Laos and Myanmar and Yunnan into Guangdong market, and the recommended products from Yunnan during the 2024 Expo.

  At the meeting, the two sides exchanged views on the application of "Air Smart Express" in Yunnan, which was highly recognized by everyone. They agreed that "Air Smart Express" is an effective way to solve the difficulties faced by the last mile logistics in mountainous areas of Yunnan, and will arrange an on-site inspection as soon as possible to study the promotion of the project.

  At the same time, a serious docking and research was carried out around the beef cattle industry and the 2024 Expo.

  Yunnan Province is the source province of "Western Cuisine Moving to the East" and "Yunnan Cuisine Entering Guangdong". At the same time, as the bridgehead area connecting "the belt and road initiative" with "Lan-Mei Region", its advantages in agricultural products and geographical location are particularly prominent. The two sides believe that through the platform of the association, we will speed up the close docking of the two markets and jointly promote the high-quality development of the regional economy in Yunnan and Guangdong provinces.

  Li Wenjie, director of Yunnan Rongwan Professional Committee of the Association, attended the meeting.

The prelude to the "pilot era" of used car export or the end of full opening-up sounded

  The French economy grew nearly zero in the first quarter of this year, and unexpectedly increased by 0.6% in the second quarter. However, this was partly due to the strong rebound in exports caused by the delivery of a cruise ship worth over 1 billion euros, with a negative growth of 0.1% in the third quarter. In the fourth quarter, all economic engines stagnated. The Bank of France predicted a growth of 0.1%, the French National Bureau of Statistics predicted a zero growth, and institutions did not rule out the possibility of negative growth. The consensus of all institutions is that the French economy will achieve at most a low growth rate in the first half of next year, regardless of whether it escapes the technical recession at the end of the year.

  The OECD has lowered France’s economic growth forecast for this year and next to 0.9% and 0.8%. In fact, the world economy has experienced shocks again and again, and the euro zone economy as a whole is weak. Since July 2022, the European Central Bank has continuously raised interest rates. Although it has pulled the euro zone out of the inflation quagmire, it has suppressed consumption and investment, and many countries’ economies have been sluggish or even declining. The European Central Bank stopped raising interest rates in October this year, but the impact of monetary tightening on economic activities is lagging behind, and its comprehensive impact will appear next year.

  The more unfavorable factor than other economies in the euro zone is that according to the relevant data of Eurostat, the inflation rate in France was 3.8% in November 2023, while the average level in the euro zone has dropped to 2.4%. In 2022, France performed the best in controlling inflation in the euro zone, mainly because the government "protected purchasing power at all costs", and spent huge public expenditures to freeze natural gas prices and electricity prices, issue energy checks to poor families, and provide inflation subsidies to income earners. Nowadays, international oil prices tend to be stable, natural gas and electricity prices are falling, and energy prices in Europe are falling year-on-year. In France, with the gradual cancellation of measures to protect purchasing power, energy prices are rising year-on-year. The good news is that the French National Bureau of Statistics predicts that food prices in France will drop sharply in the coming months.

  Another unfavorable factor is the reversal of the unemployment rate decline curve. The unemployment rate in France gradually decreased from the high of 9.5% in 2017 to 7.1% in early 2023, and then rose to 7.2% in the second quarter and 7.4% in the third quarter. The French National Bureau of Statistics predicts that the employment slowdown will continue in the next few quarters. Analysts pointed out that this is of course caused by the weak economic prospects, but also because the previous rescue measures of "guaranteeing enterprises and ensuring employment" have been stopped, and the "short-term negative effect" of pension reform has been added: since September 2023, the retirement age in France has been delayed, and the working population base has increased accordingly.

  The budget deficit is too high and the public debt is too heavy, which has endangered France’s sovereign credit rating. Rising interest rates, weak growth and weak employment are likely to put pressure on tax revenue and lead to further deterioration of public finances. The French government has repeatedly promised to reduce the budget deficit to less than 3% of GDP by 2027. Therefore, public expenditure must be cut, which means that in the short term, it is difficult for the government to make a difference in purchasing power, wages, housing, immigration and other issues that people are most concerned about.

  The French National Bureau of Statistics predicts that consumption and investment will continue to be affected by the monetary tightening policy in the first half of next year, especially in the construction industry. However, thanks to the further easing of inflation and the global economic recovery, the French economy may grow slightly, reaching about 0.5% by the middle of next year. Inflation in France will also drop to 2.6% by the end of June next year, and the core inflation rate will drop to 2%. However, the agency stressed that "all forecasts are full of uncertainty", especially the geopolitical factors and the uncertainty of the central bank’s monetary policy decision.

  However, the French government maintains the growth target of 1% this year and 1.4% next year, and reiterates that it will continue to promote reforms under the framework of the "2030 Investment Plan", focusing on improving productivity and competitiveness. On December 10th, President Macron made a special trip to the Airbus headquarters in Toulouse to make a phased summary of the achievements of "France 2030" since its implementation for more than two years in the birthplace of the French industrial success story. He announced that "France 2030" aims to achieve three goals-obtaining industrial and technological autonomy, achieving full employment and fulfilling climate commitments. In 2024, the government will introduce more measures to ensure that French re-industrialization and innovation investment "accelerate, accelerate and accelerate".

What is life?

What is life? Life is:

Shoulder responsibility, hide pressure,

No matter how tired and bitter you are, you must move forward.

No matter how hard it hurts, smile.

What is life? Life is:

You cried, no one coaxed you,

You’re tired, nobody hurts,

You are poor, others look down upon you,

You are rich, and some people are jealous.

What is life? Life is:

A needle and a thread, you have to do it yourself,

Earn a penny and a dime,

A porridge and a meal, you have to save yourself,

When you cry and laugh, you have to act on your own.

What is life?

Life is half responsibility and half pressure;

Life is half happiness and half worry;

Life is half hard work and half rest;

Life is half tears and half sweat.

Life is: to be born, to live,

Life is: tears come out and swallow,

Life, never mistreats anyone,

It is the strictest teacher,

Teach you how to survive,

And reprimanded you for not making progress.

From the moment you become an adult,

Life brings you responsibility,

You can’t be as carefree as a child,

If there are mistakes, correct them yourself,

If you have difficulties, solve them yourself.

While taking care of yourself,

Also responsible for the expenses of the family,

No matter how much you earn, whether you are rich or poor,

The responsibility on the shoulder can’t be shirked,

Family happiness, to bear!

Life tells us that living is very tiring.

It also teaches us how to be strong,

Life brings us all kinds of problems,

It also allowed us to face it bravely.

Original title: "What is life? 》

Take stock of funny pictures, who laughs at the whole network with a stomachache, and laughs to death ~ (the first issue)

Thanks for clicking into this hilarious joke collection! Get ready to be funny!

Today, I took stock of the funniest pictures on the whole network, and the opportunity to laugh is just around the corner.

Come and have a good laugh together, but please remember to make your stomach bear it, and don’t laugh until you shed tears ~ Here are the highlights of today’s jokes, to make sure you laugh to death!

Lovers’ game: write one thing that the other party doesn’t know!

How lucky! My wife and mother-in-law are pregnant at the same time!

Challenge: look into her eyes for ten seconds!

These funny pictures networks are like a bright mirror, reflecting countless happy moments in our lives.

They not only make people relax in their busy lives, but also arouse people’s laughter and bring people more happiness.

Therefore, when you browse the Internet, you might as well pay more attention to these funny pictures, which will bring you unexpected joy.

Let’s face life with a smile and spend every day happily!

# Funny

Anyway, I don’t study for a day.

Teacher Shi.

Tomorrow is the weekend. Today, the teacher won’t delay the class. Let’s go home early. Never leave your homework. By the way, it’s over, he remembered, it’s raining outside, so be sure to pay attention to safety on the way home.

Teacher, haven’t you left your homework yet? I didn’t know I didn’t leave my homework. You are so easy to get beaten, don’t you know? This is not just the end of the monthly exam. I think everyone did well in the exam, so I won’t leave any homework this time. Let’s relax and combine work and rest this Sunday. I object, teacher. You will delay our study too much. Do you want to hear what you are saying? Zi Xuan, don’t be a demon. You don’t want to rest. We want to rest. You idiot just want to play. Didn’t you know how many points you scored in the last exam?

Zi Xuan, don’t say that. I’m so proud that I’ve made great progress this time. It’s understandable to have a rest. No. Teacher, why are your requirements so low? Be strict with students, don’t you know? You also taught me a lesson. I don’t know about others. Anyway, if I don’t study for a day, I will feel uncomfortable all over and I can’t even sleep.

Zi Xuan, your grades seem to have regressed this time, right? I seem to have failed math. Right. So I strongly urge the teacher to leave us homework, and I will study hard when I go home. Okay, you asked for it. Zi Xuan, just finish this exercise book, and the others have no homework to go home. Man-eating goblin in the making.

# Travel

If you dare to go to Thailand.

Chapter one: Uninvited guests and ancient temples. In a remote mountain area in northern Thailand, a young traveler, Allen, is sheltering from the rain in an ancient temple. There is a mysterious legend in this temple. It is said that there is a magical witchcraft here that can attract people’s souls to mysterious forces. On a rainy night, Allen became interested in this legend, and he decided to find out.

The abbot of the temple knew the mystery of this technique well, and he showed a strange and complicated ceremony, which surprised Allen deeply. Allen decided to spend the night in this temple, although his back was cold.

Explore more secrets chapter 2: the attraction of the soul. The abbot explained to Allen that this magical witchcraft needs a special plant called "Soul Grass" to be implemented. This plant has mysterious power, which can make people’s souls leave the body temporarily. Then the abbot took out a portrait of a human figure with Allen’s face on it. He told Allen that the portrait would be their "medium". The abbot began to recite ancient incantations in a low voice, holding a portrait and putting soul grass on it. Suddenly, the image of Allen in the portrait began to distort, as if attracted by a powerful force, and Allen’s soul seemed to come out of the painting.

Chapter Three: The Trap of Curse. The abbot put the portrait in a wooden box and told Allen that his soul was trapped in the portrait and could not escape. The way to lift this curse is to find someone who is willing to sacrifice himself instead of Allen.

Allen was terrified, and his body gradually became weak, as if a cold force was eroding his vitality. He didn’t know how to save himself, but realized blankly that he must find the person who can suffer for him as soon as possible, otherwise his soul will be trapped in this painting forever.

Chapter Four: Breaking the Curse. Allen’s heart is full of horror. He just wants to escape from this place. He can’t stand this kind of suffering any longer. He is helpless and needs to find a way out. He asked the abbot how to lift the head drop. The abbot gave him a glimmer of hope and told him that only by finding someone willing to suffer for him can the curse be lifted.

However, Allen knew nothing about this proposal, and he felt confused and desperate. At this time, he met a kind-hearted local villager. The villager told him an old legend: every year on Ghost Festival, there will be a mysterious ceremony, which can relieve the head drop. The key to this ceremony is to use a "body double" to attract the power of head-dropping, and then a monk recites the scriptures, permanently sealing this power in Chapter 5: the initiation of the ceremony.

Allen decided to try this legendary mysterious ceremony. Under the guidance of the villagers, he found the monk and started the ceremony with him with uneasy feelings. On the altar, the monks took out a portrait, in which the abbot was lifelike. They put the portrait on the altar and began to recite the scriptures. With the sound of scripture, the image of the abbot on the portrait began to distort, as if being attracted out of the frame. Then the monk put a burning brazier in front of the altar and instructed Allen to throw his hair and nails into the fire.

Chapter Six: The End of the Curse. When the last scripture was finished, the flame in the brazier suddenly went out, as if swallowed up by darkness. Allen, a monk, conveyed an important message. He pointed to Allen and said, "The head drop technique in your body has been completely resolved, and your strength has been restored." Hearing the good news, Allen was ecstatic, his body was full of new vitality, and his eyes filled with tears, thanking the monk. Then, he set foot on the road to leave this place that once scared him.

However, as Allen went further and further, the monk recited a mysterious scripture in a low voice, which was deep and shocking, as if to awaken an ancient and powerful force. He sincerely called: "this cursed soul, you have experienced countless hardships, and now your suffering is finally over." Mother-in-law is actually a princess in Quanzhou, China. Click to follow

In the first three quarters, domestic tourism reached 3.67 billion person-times and realized income of 3.7 trillion yuan.

Wen Ziyu, website of the State Supervision Commission of the Central Commission for Discipline Inspection

"In the first three quarters of this year, there were 342,000 commercial performances nationwide, with a box office income of 31.54 billion yuan and 111 million audience, up by 121.0%, 84.2% and 188.5% compared with the same period in 2019." "Actively promote the application for the Beijing Central Axis and the Spring Festival, and promote the inclusion of’ Pu ‘er Jingmai Mountain Ancient Tea Forest Cultural Landscape’ in the World Heritage List, and the number of world heritage sites in China has increased to 57. Lu Yingchuan, Vice Minister of Culture and Tourism, introduced the situation of building a strong cultural country and promoting the high-quality development of culture and tourism at a series of news conferences on the theme of "Opening by Authorities" held by the State Council.

The press conference introduced that since the beginning of this year, China’s tourism industry has accelerated its recovery. In the first three quarters, domestic tourism reached 3.67 billion person-times, and tourism revenue reached 3.7 trillion yuan, up 75% and 114% respectively. In order to further release the potential of tourism consumption and promote the high-quality development of tourism, the Ministry of Culture and Tourism, on the one hand, optimizes the policy environment, combines the new situation of tourism development, and exerts efforts from both supply and demand to boost tourism investment confidence and consumption confidence. On the other hand, we should cultivate new consumption formats and modes, innovate and upgrade music festivals, concerts and other products, promote the healthy development of new formats such as script entertainment and tourism performing arts, and promote the integration of food, performances, sports, health care, Chinese medicine and other fields with tourism. In addition, we will promote the brand building of a new batch of national cultural and tourism consumption demonstration cities, national tourist resorts, 5A-level scenic spots, national night cultural and tourism consumption gathering areas, build a good platform carrier, and increase the intensity of benefiting the people.

"Culture and tourism business environment and market order are related to the vital interests of the majority of business entities and consumers." According to the press conference, the Ministry of Culture and Tourism started with relaxing market access and actively innovating supervision methods to stimulate the vitality of the cultural and tourism markets and help the industry develop with high quality. We will fully implement the negative list system for market access and the review system for fair competition, delegate a number of administrative examination and approval items, and reasonably reduce the time limit for examination and approval. At the same time, explore the formulation of inclusive and prudent policies for new formats to boost market development confidence. For example, new formats such as scripted entertainment and e-sports hotels have been introduced with inclusive and prudent supervision policies, and regulatory methods suitable for the characteristics of the industry have been formulated, and a policy transition period has been set up to create an inclusive, stable and predictable policy environment, leaving enough room for the development of new formats. Adhere to administration according to law, formulate and revise a number of policies and regulations on commercial performances, cultural entertainment, online travel management, introduce regulations on credit management in the cultural and tourism markets, and constantly improve policies and regulations.

In the implementation of the national cultural digitalization strategy, the Ministry of Culture and Tourism has continuously promoted the digital development and transformation of cultural relics, classics and various artistic works resources. For example, the Palace Museum keeps about 1.86 million pieces of cultural relics. It is understood that 900,000 pieces have been digitally collected, accounting for about 48%. At the same time, vigorously promote the application of digital technology and foster the development of new formats. For example, in the field of stage art, we should vigorously promote online and offline integration, performance and broadcasting at the same time, actively promote offline performances, vigorously promote the development of stage art in the direction of networking and digitalization, and create a "second theater." In addition, improving the digital service capability of cultural services includes promoting the construction of smart library system and public cultural cloud. Up to now, in addition to the national public cultural cloud, there are public cultural clouds in more than 200 places in China, with a total resource of more than 1530TB, which is conducive to reading and popularizing art for all.

Systematic protection of intangible cultural heritage is an important aspect of building a strong cultural country. Up to now, there are more than 100,000 non-legacy representative projects at all levels in China, including 1,557 national non-legacy representative projects, and more than 90,000 representative inheritors at all levels, including 3,062 national non-legacy representative inheritors. At the same time, a total of 43 projects are included in UNESCO’s non-legacy list and roster. Lu Yingchuan introduced that in order to protect and inherit the intangible heritage, the Ministry of Culture and Tourism will continue to exert efforts in policies and regulations system, directory system, theoretical research system, talent team system, communication and promotion system, heritage experience facilities construction and digital protection in accordance with the requirements of systematic protection, so as to protect and inherit the intangible heritage in a down-to-earth manner.

Source: Website of State Supervision Commission of Central Commission for Discipline Inspection