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.

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.

1905 movie network news　On April 4th,, producer, screenwriter and director, starring,,,,, Wu Jun and Luo Gang, specially starring, and friendship starring, released the title song "Xiangjiang River Water" sung by LAY and Kung Fu Pang, which was composed and arranged by Kung Fu Pang and LAY. The two musicians who grew up in Changsha integrated the domineering and hotness of Huxiang culture into the song, and also expressed their infinite love for their hometown through this passionate "Xiangjiang River Water".

In the opening song, LAY vividly expressed the attitude of Changsha nightlife with Changsha dialect RAP. "Changsha people, Changsha soul, the Party ends in the morning" vividly explained the lively fireworks in Changsha night. The MV also launched the story line of LAY’s role. He played the role of He An, a talk show actor, who insisted on polishing jokes and performing on stage with the enthusiasm of "leading Changsha dialect to the world". Whether in songs or movies, LAY used Changsha dialect to make the audience feel the charm of Changsha nightlife.

　

LAY shows Changsha night attitude with dialect RAP, and "Xiangjiang River Water" sings the whole city life.

"Xiangjiang River Water" was written by LAY, a native of Changsha, and Kung Fu Pang, and their fate continued with this song. LAY also has different feelings about this song about his hometown. The title of the song is called Xiangjiang River Water because the sound of the flute flowing in the song is like the Xiangjiang River water flowing, and the sound of the flute contains the yearning for my hometown. He used Chinese-style instruments with Beatbox arrangement to make the song more ethnic. LAY also used Changsha dialect to sing this song telling the story of Changsha, hoping to make friends all over the country feel the enthusiasm and hotness of Changsha through this song, which is also the attitude of Changsha that the film "Changsha Nightlife" wants to convey.

LAY’s authentic Changsha dialect RAP injects soul into the colorful Changsha night. "This is the people of Changsha, the soul of Changsha, and the story of Changsha lives in the city of Changsha", and every word of the lyrics reflects the tyrant of Changsha. "Changsha people, the soul of Changsha, the party ends in the morning", "Take a tour in the Martyrs Park, and listen to close lovers by the boat" are combined with the pictures in the film, showing the beauty and excitement of Changsha’s streets. Xiangjiang River passes through the city, and there are fireworks in daily life. During the day, history and culture blend with each other, and at night, there is a collision between soul and food.

Since the official announcement of Nightlife in Changsha, the hot topic has continued. LAY’s opening song "Xiangjiang River Water" is full of singing, and "Watching Nightlife in Changsha during the May Day holiday" has earned the audience’s expectations.

　

"Cold talk show" witnessed the constant contradiction between father and son.

Changsha dialect must be an essential element in a film full of "Xiang". He An, a talk show actor played by LAY, insisted on talking in Changsha dialect and vowed to "lead Changsha dialect to the world". LAY and Luo Gang are both from Changsha, and they play a father and son. The father is puzzled by his son’s career choice, and the son is unwilling to follow his father’s ideas, which reflects the family relationship and generation gap between Chinese father and son. As soon as the authentic dialect lines come out, the life breath of Changsha will come to me.

Previously, once the video of LAY talking about talk show in the film was released, it was well received by many viewers. He An, who was pursuing her dream, met with a cold reception when she talked about the talk show in front of her father for the first time. He An’s performance was cold and her eyes were lonely. Her father sat in the audience with tears in his eyes, which even hurt many netizens. "Comedians provide joy on the stage, but they are not happy inside. The role of He An makes people feel very empathetic.". In Changsha, a city full of emotions and stories, can a father and son who care about each other but don’t know how to express themselves resolve their feelings in this ordinary Changsha night? Many viewers are curious about the subsequent development of this plot line.

On December 19th, Wang Yiming, vice chairman of China International Economic Exchange Center, said at the hot meeting of China Macroeconomic Forum (CMF) that, optimistically, China's economy can achieve a 5% growth rate next year. "If our investment can be close to 3% from 2.9%, it can be increased to 4% and 5%; The consumption base was very low last year, and in the case of high base this year, it will be able to maintain the level of 6% to 7% next year; Exports can turn positive; Achieving 5% next year should be expected. "

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? 》

　　CCTV News:On December 4th, five years ago, the the Political Bureau of the Communist Party of China (CPC) Central Committee meeting deliberated and passed the Eight Provisions of the Political Bureau of the Central Committee on Improving Work Style and Keeping Close Contact with the Masses. Since then, the Eight Provisions have gradually become household names, such as "improving investigation and study, streamlining meeting activities, streamlining document briefings, standardizing visiting activities, improving security work, improving news reports, strictly publishing manuscripts, and practicing thrift".

　　Eight regulations video launch

　　CPC Central Commission for Discipline Inspection website recently launched a video called "You don’t have to, you can":You don’t have to be busy socializing after work, go home drunk, and your family is asleep, and no one even says a word; You don’t have to think about who to give gifts to, what to send, and how to send them on holidays; You don’t have to hand over a pack of cigarettes, send a bottle of wine, or treat people to dinner, but you can get things done. You can spend more time reading, running and spending time with your family. You can simply live and be yourself.In addition, the website of the Supervision Department of the Central Commission for Discipline Inspection has recently produced and launched a set of theme expression packs, totaling 16, to publicize the spirit of the eight regulations in a way that netizens like. It can be said,The implementation of the eight regulations for five years has changed China, and also changed your life and mine.

　　Eight regulations: heavy containment of strong pressure and long shock

　　Five years ago, on December 4, the eight central regulations on improving work style and keeping close contact with the masses were promulgated, which broke the problem of comprehensively and strictly administering the party. five年来，各级纪检监察机关以问题为导向，从人民群众反映强烈的违规公款吃喝、公款旅游、大办婚丧喜庆事宜等具体问题抓起，紧盯节点，从月饼粽子、烟花爆竹、贺卡挂历等“小事小节”入手，严肃整治“舌尖上的浪费”“会所中的歪风”“车轮上的铺张”“节日中的腐败”，深入治理潜入培训疗养机构吃喝玩乐、高档小区“一桌餐”、调研考察搭车旅游等隐形变异“四风”问题，着力发现和纠正以会议、文件或口号落实中央重大决策部署、乱作为、不担当等形式主义和官僚主义突出问题。

　　中央八项规定实施以来，截至2017年10月底，各级纪检监察机关共查处违反中央八项规定精神问题19.32万起，处理26.26万人。

　　清华大学廉政与治理研究中心主任 过勇：“露头就打，严惩不贷，使得党风政风，包括带动社会风气发生了根本性的转变。”

　　国家统计局民情民意电话调查显示，94.8%的受调查对象肯定以习近平同志为核心的党中央制定和落实中央八项规定的成效，91.8%对中央八项规定长期执行有信心，85.5%认为中央八项规定实施以来身边党员干部工作作风有明显改进。

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.

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