Cctv newsOn January 22nd, the State Council Press Office held a press conference on the reform and operation of the Emergency Management Department since its establishment. In response to a reporter’s question, Liu Kehui, head of the Education and Training Department of the Emergency Management Department, said that we should work hard to find a new way that conforms to China’s national conditions and has the professional characteristics of fire rescue.

　　The original public security fire brigade and the Armed Police Forest Corps collectively retired from active service and formed a national comprehensive fire rescue team. This is a major strategic deployment made by the CPC Central Committee with the Supreme Leader as the core to adapt to the modernization of the national governance system and governance capacity, focusing on the characteristics of frequent disasters and accidents in China, and building an emergency response capability system in the new era. The CPC Central Committee and the State Council attached great importance to the formation of a national comprehensive fire rescue team, and the General Secretary of the Supreme Leader personally examined and approved the team’s flag, team emblem, team uniform and oath. On November 9, last year, the team was personally awarded the flag and gave a training speech in the Great Hall of the People, which pointed out the direction of the team building and provided a fundamental follow-up.

　　Up to now, the work of identity change, title change, including job rank change has been completed. There are 44,000 fire emergency rescue vehicles, and the special number plates have been changed.

　　China Fire and Rescue College has been established, and the recruitment of the first batch of firefighters will be carried out soon. This time, 30,000 people were recruited, including 18,000 people for the society, and more than 10,000 conscripts retired from the public security fire brigade and the Armed Police Forest Force were recruited through the through train.

　　Special supporting documents of job rank sequence have been issued one after another, and the team has remained safe and stable, successfully achieving the goal of the central government to complete the transformation of the two troops by the end of December 2018.

　　After the transformation, the functions of the national comprehensive fire rescue team have changed. It was originally a response to a single disaster, and now it undertakes the comprehensive rescue responsibility of preventing and resolving major security risks and responding to various disasters and accidents. As the main force of the national emergency rescue and the national team, this team implements the system of unified leadership and hierarchical command, is built and managed according to the standards of the disciplined services, and still maintains 24-hour on-site preparation. In order to maintain the effective strength and combat effectiveness of this team, a special management and guarantee policy has been implemented, a job rank sequence conforming to its own characteristics has been adopted, and a special fire rescue rank system has been established.

　　In the whole process of reform, this team adhered to the positioning of the main force and the national team, and actively adapted to the task needs of all kinds of disasters and major emergencies. We vigorously promoted the transformation and upgrading of concepts, functions, capabilities and equipment, strengthened training and preparation, and successfully handled a series of major disaster accidents.

　　Practice has proved that the central government’s reform decision is completely correct.

　　In the next step, the task of building this team is still arduous. We should continue to deepen reform, improve supporting policies, improve institutional mechanisms, focus on building a distinctive education management model, a duty training model with actual combat traction, and a positive incentive talent training model, and vigorously strengthen the construction of key forces for emergency rescue. Through hard work, we will find a new way that conforms to China’s national conditions and has the professional characteristics of fire fighting and rescue.

　　CCTV News:At 8 o’clock, witness the news every day. CCTV will sort out the big and small things that happened around us within 24 hours for you.

　　[concern]

　　The minimum down payment is 60%! The state-run provident fund implements the second suite "recognizing the house and recognizing the loan"

　　The State Provident Fund Center issued the Notice on Issues Related to Adjusting the Housing Provident Fund Personal Housing Loan Policy and Further Optimizing Services, which clearly stipulated that the second-home loan should be "recognized for both housing and loans", and the down payment ratio of the second home should be adjusted to a minimum of 60% and a maximum of 600,000 yuan. The New Deal will be implemented on April 15, 2019, subject to the online signing date.

　　Change 1: You can apply for a loan only after the account has been continuously deposited for more than half a year.

　　The adjustment of loan application conditions is the first change of the New Deal.

　　According to the regulations, when applying for a loan, the borrower should continuously deposit the housing provident fund for more than 6 months (inclusive) and his housing provident fund account is in a normal deposit state; Or with the approval of the housing fund management center of the central state organs (hereinafter referred to as the fund center), the paid employees are in the state of deferred payment, sealed or retired cancellation.

　　At the same time, both husband and wife of the loan applicant have no outstanding housing provident fund, personal housing loans and policy discount loans.

　　Change 2: The second suite is recognized as "recognizing the house and recognizing the loan"

　　Like the previous Beijing-owned provident fund, the National Provident Fund Center also adjusted the identification standard of the second suite to "recognize the house and recognize the loan".

　　The New Deal stipulates that if the family of the loan applicant (including the loan applicant, spouse and minor children) has no housing in Beijing and there is no housing loan record (including commercial housing loan and housing provident fund loan record) under the name of both husband and wife, it will be handled according to the first housing loan policy.

　　If the loan applicant’s family has no housing in this city and has only one housing loan record, and if there is only one housing in this city and there is no housing loan record or only one housing loan record, it shall be handled according to the second set of housing loan policies. In other words, I used to buy a house with a loan, whether it was a commercial loan or a provident fund loan. Now I sell small and buy big, and I will be recognized as a second suite from April 15.

　　If it is identified as two or more houses, no loan will be granted.

　　Change 3: The second suite can borrow up to 600,000 yuan.

　　The New Deal also adjusted the down payment ratio this time.

　　In terms of down payment, according to the regulations, if the loan applicant purchases affordable housing, the down payment ratio shall not be less than 20% of the total purchase price; For the purchase of the first set of housing other than affordable housing, the down payment ratio shall not be less than 30% of the total purchase price; For the purchase of two houses, the down payment ratio shall not be less than 60% of the total purchase price. If the loan applicant purchases the stock house, the total purchase price shall be the lower of the house appraisal value and the total purchase contract price.

　　In terms of loan amount, the maximum amount of the first set of housing loans is 1.2 million yuan, and the benchmark loan interest rate is implemented; The maximum amount of the second home loan is 600,000 yuan, and the loan interest rate is 1.1 times of the benchmark loan interest rate for the same period.

　　In addition, on the premise of ensuring the basic living expenses of the borrower, according to the loan amount, term and applicable interest rate applied by the borrower, the monthly repayment amount calculated by the equal principal and interest repayment method should not exceed 60% of the monthly income of the borrower.

　　At the same time, the loan period shall not exceed 25 years, the longest of which can be calculated to be 5 years after the legal retirement age of the loan applicant, and the highest of which shall not exceed 65 years of age.

　　[domestic]

　　In the first quarter, the total value of foreign trade import and export was 7.01 trillion yuan, and China became the "stabilizer" of global trade operation.

　　On the 12th, the State Council Information Office held a press conference, and the relevant person in charge of the General Administration of Customs announced that China’s foreign trade import and export in the first quarter was 7.01 trillion yuan, a year-on-year increase of 3.7%. At the same time, in the first quarter, China’s foreign trade import and export with countries along the "Belt and Road" was 2 trillion yuan, a year-on-year increase of 7.8%.

　　Oil prices rose for the sixth time during the year! It costs about 6 yuan more to add a tank of gas.

　　The reporter learned from the National Development and Reform Commission that according to the current formation mechanism of refined oil prices, from 24: 00 on April 12, domestic gasoline and diesel prices will increase by 155 yuan and 150 yuan per ton respectively. From the national average, the price of No.92 gasoline is raised by 0.12 yuan per liter, the price of No.95 gasoline by 0.13 yuan per liter, and the price of No.0 diesel by 0.13 yuan per liter. According to the estimation of the capacity of 50 liters of the fuel tank of a general household car, it will cost more 6 yuan to fill a tank of No.92 gasoline after the price adjustment.

　　In the first three months of this year, the air quality was relatively poor.

　　Data Map: The urban area of Shijiazhuang is shrouded in smog.

　　According to the official WeChat news of the Ministry of Ecology and Environment, the Ministry of Ecology and Environment reported the national air quality in March and January-March 2019 on the 12th. In March, the air quality in 20 of the 168 key cities, including Zibo, Zaozhuang, Weifang and Linyi, was relatively poor; The air quality in 20 cities such as Haikou, Lhasa and Shenzhen is relatively good. From January to March, the air quality in 20 of the 168 key cities, such as Linfen, Shijiazhuang and Xingtai, was relatively poor; The air quality in 21 cities such as Lhasa, Haikou and Shenzhen is relatively good.

　　The National Network Information Office promoted the rectification of APP chaos, shut down and cleaned up more than 30,000 illegal apps.

　　Since December 2018, the National Network Information Office, together with relevant departments, has carried out special rectification actions against mobile apps related to pornography, gambling, malicious programs, illegal games and bad learning, shut down 33,638 illegal and illegal apps, and intercepted more than 2.34 million malicious website links. Social platforms cleaned up more than 24.74 million vulgar bad information and banned more than 3.64 million illegal accounts, effectively curbing the chaos of apps and continuously improving the network ecology.

　　84 people in Tianjin were investigated as "official umbrellas" and "police umbrellas" of evil forces.

　　According to the website of the State Commission for Discipline Inspection of the Central Commission for Discipline Inspection, since the launch of the special struggle against evil, discipline inspection and supervision organs at all levels in Tianjin have resolutely implemented the decision-making arrangements of the CPC Central Committee, combined the fight against evil with the anti-corruption struggle and grassroots "swatting flies", and strengthened supervision, strict discipline and serious accountability. It is not only a "supervisor" to compact the "two responsibility" and promote the development of the special struggle against evil; Also, as a "pioneer", we should concentrate our efforts on punishing corruption and "digging an umbrella", and dig deep into and thoroughly investigate the corruption and "umbrella" problems of cadres and public officials exercising public power in party member. Up to now, the city’s discipline inspection and supervision organs have filed a total of 97 cases and 229 people involved in corruption and "protective umbrellas", including 48 cases of "official umbrellas" and "police umbrellas" acting as evil forces, and 22 cases of "Yong umbrellas" who failed to perform their duties and dereliction of duty, with 107 people. The accountability work of supervision and discipline has achieved initial results.

　　Heilongjiang Shangzhi responded to the suspected destroyed ginseng in the jungle: an investigation team has been set up.

　　On the 12th, the Propaganda Department of Shangzhi Municipal Committee of Heilongjiang Province responded to the villagers’ report that "more than 6,000 mu of dense forest in Maoershan was destroyed and planted ginseng", saying that the Forestry and Grassland Bureau of Heilongjiang Province attached great importance to it and sent an investigation team to investigate.

　　According to netizens, a large area of state-owned and village-owned forest land in Maoershan Town, shangzhi city, Heilongjiang Province, has been cut down by tens of thousands of acres of dense forest without logging procedures. He has repeatedly reported the situation to the local state-owned forest farm administration, forestry bureau and forestry public security bureau, but it has not been dealt with.

　　Only ten kilometers away! Israel’s dream of "Genesis" landing on the moon was shattered.

　　According to Taiwan Province’s United News Network, Beresheet, the lunar lander of SpaceIL, an Israeli non-profit organization, had a series of failures before landing on the surface of the moon, and finally crashed on the moon. Israel’s dream of becoming the fourth country to land on the moon was dashed. According to reports, the SpaceIL team said that the unmanned lander Genesis had intermittent engine and communication failures during the 21 minutes of landing.

　　The WTO’s final ruling that Korea’s ban on the import of Fukushima aquatic products is not illegal, the Japanese government expressed regret.

　　According to this ruling, South Korea’s import restrictions on aquatic products in Fukushima and other places in Japan will continue, and in the future, even if a very small amount of radioactive components are found in all imported foods produced in Japan, South Korea will ask Japan to provide relevant test certificates. In response, Japanese Foreign Minister Tarō Kōno expressed "great regret" at the WTO ruling at a press conference on the 12th.

　　"Little girl crying on the US-Mexico border" was selected as the annual picture of the 2019 Lotus Award.

　　According to the "Central News Agency" report, a photo of a little girl crying helplessly because her mother was detained by US border officials became popular on the Internet. On April 11th, local time, this photo won the prestigious World News Photography Award — — Jose Award.

　　According to reports, the jury said that the photo was taken by John Moore, a veteran journalist, and the picture reflected the situation of a mother and daughter crossing the US-Mexico border, showing "another kind of psychological violence."

　　Society

　　The death toll from heavy rainfall in Shenzhen has risen to 9, and 2 people have lost contact.

　　On the evening of the 11th, instantaneous heavy rainfall in Shenzhen caused floods, which caused many river operators who were working in Luohu and Futian districts to be washed away. On the evening of 12th, it was learned from Shenzhen Emergency Management Bureau that local heavy rainfall had caused 9 deaths and 2 people lost contact. At present, the relevant departments are searching and rescuing two people who lost contact.

　　A forest fire in Heqing County, Dali, Yunnan Province is being urgently put out.

　　At 14:01 on April 12, a forest fire broke out in the east mountain of Nanhe Village, Xintun Town, Heqing County, Dali, Yunnan Province. As of 11: 30 pm on the 12th, more than 600 people had been put into fire fighting at the scene. Due to the steep slope of the fire mountain and the uncertain wind direction, it is difficult to put out the fire. At present, the on-site rescue work is still in progress.

　　Claim! Investigate civil liability! Shaanxi responded to the theft of terracotta warriors’ fingers

　　According to American media reports, in the case of Michael Rowe Hana, an American man, who broke and stole the finger of the Terracotta Warriors and Horses of Qin Shihuang in China on display in a local museum, the jury was dissolved because the jury had different opinions on whether the defendant was guilty or not, and the local court ruled that the trial was invalid, failing to make a verdict on the charges of stealing and hiding cultural relics.

　　On the evening of April 11th, Shaanxi Cultural Relics Exchange Center responded to this matter, saying that it would continue to pay attention to and follow up the progress of the case, and at the same time start the civil liability investigation according to law, and make economic claims in accordance with the Exhibition Agreement.

　　It’s settled! Beijing 120 and 999 gradually merged, and the emergency call sign was unified with "120"

　　On the 12th, the Standing Committee of Beijing Municipal People’s Congress held a kick-off meeting for the proposal of "Improving the pre-hospital medical emergency service system and improving the ability and level of emergency service". In November this year, the Standing Committee of the Municipal People’s Congress will hear and consider the report on the handling of the motion. As the sponsor of the motion, the Municipal Health and Health Commission said that the city will steadily promote the integration of the 120 and 999 emergency systems, realize unified command and dispatch, and gradually realize the unification of emergency call numbers to "120".

　　Angry! Two passengers involved in the sale of children at Dalian airport were detained. The baby boy was only born for 15 days.

　　On April 11, a middle-aged couple flew from Dalian. When they passed the security check, the security check personnel found a 15-day-old baby boy. Upon inquiry, they found that the other party could not answer the child’s information in detail and then called the police. The police initially interrogated that the middle-aged couple were from Fujian and bought a baby boy from another couple for 34,600 yuan. At present, the two were detained on suspicion of buying and selling children.

　　Wenzhou parents buy 500,000 cars to accompany them to study in other "school districts", which leads to controversy.　

　　I chose my daughter as my favorite school, but she is far from home. Do you live on campus or go to school? After trying both ways, a parent in Wenzhou gave a domineering plan — — Buy a car to accompany you.

　　Ms. Wu lives in Yongjia County, and her daughter Xinxin (a pseudonym) goes to primary school in Wenzhou City. This semester, Ms. Wu’s family spent nearly 500 thousand yuan to buy an RV and parked it opposite the school, so that her daughter would arrive at home when she left school.

　　In the face of everyone’s questions, Ms. Wu introduced that she was not the first person to "eat crabs": "These are all for the education of children, not what others call ‘ Toss ’ 。” In Ms. Wu’s view, her daughter’s study and future are the most concerned things for the family.

　　The man was arrested for transporting drugs with short sleeves and even taking drugs with him.

　　It means that good people can always be blessed by heaven, and it is often used as a comfort word when encountering danger or difficulties. Can there be such a drug dealer, in order to pray for the safety of transporting drugs, specially put on a short-sleeved shirt with the words "auspicious people and heaven", and even the drugs were found.

　　What happened? Recently, Yunnan Dehong Border Management Detachment received a report from the masses that some people were preparing to traffic a large number of drugs to the mainland in batches. The task force seized 12.1 kilograms of ice from the van driven by Zhang and Li on the spot at the front line of the lincang border. Then the investigators quickly set up a card to intercept a suspicious off-road vehicle, and seized 20.5 kilograms of ice from the car on the spot. The criminal suspect Liu, who was wearing the words "Ji Ren Tian Xiang", was also arrested by the investigators on the spot.

　　The specific reasons for the formation of the mysterious figure in Qinghai Lake are unknown.

　　On April 12, a huge mysterious figure appeared on the ice surface on the south side of Erlang sword platform in Qinghai Lake. According to the photographer Heng Xiu, vice president of Qinghai Lake Tourism Group Co., Ltd., the picture was taken at 11: 00 on the same day, covering an area of more than 100 square meters, and the specific reasons are unknown.

　　[face]

　　[Kim Jong-un] was elected as the chairman of the DPRK Council of State.

　　According to Korean Central News Agency’s report on the 12th, North Korea held the first meeting of the 14th Supreme People’s Assembly and elected top leader Kim Jong-un as the chairman of the State Council of the Democratic People’s Republic of Korea. The topics of the meeting include: the election of the chairman of the State Council, the election of national leading bodies, the revision of the socialist constitution, the implementation of the national budget in 2018 and the national budget in 2019.

　　The meeting announced that Kim Jong-un was elected as the chairman of the State Council of the Democratic People’s Republic of Korea. Korean Central News Agency said that the election of Kim Jong-un as chairman of the State Council is a major political event of great historical significance in North Korea.

　　[dennis muilenburg] Boeing CEO: The updated operating software of the 737max model is working normally.

　　The CEO of Boeing Company said that in order to prevent the Boeing 737 MAX air crash from happening again, the operating software of this aircraft has been updated and can operate normally, and about two-thirds of the customers of this aircraft also participated in the simulator test.

　　See you at 8 o’clock tomorrow!

　　Editor: Xiao Xiao Dai Mengmeng

1905 movie network news Directed by Wang Zidong as the chief producer, China’s first film focusing on snowboarding has been shown in Hebei. Impressive famous scenes, such as flying down from the "snow", U-shaped field skills, 1440 turning to grab the board, and chasing obstacles in the wild, were staged one after another. A large number of close-ups showed the unique charm of skiing in an immersive way, which also made the first wave of audience enjoy themselves. Today, the film released its first behind-the-scenes special, starring and so on, and the shooting story behind the cool visual effects was just the tip of the iceberg.

Youth, inspirational, sports. Just as Ye Weimin, the director of Zero Limit, said three key words, the film takes snowboarding as the theme, and tells the inspirational story of China ice and snow people’s initial dreams and hard work — — Feng Ling (Han Geng), a top professional skier, missed the championship in an international competition. In order to overcome his inner obstacles, he chose to go back to his hometown to worship Li, and he broke through his inner limit with the inspiration and getting along with Zhang Yuheng (YIN FANG), the agent Ivy (ornaments) and the first coach Song Beifang (ornaments), and many other actors such as back in the game, Wang and Wang also made surprise appearances in the film.

From "the smell of gunpowder" to meeting each other late, this time, Han Geng and YIN FANG, the leading group "Wind and Rain", staged many exciting confrontations in the big screen debut of skiing in China. It is reported that both of them are shooting sports movies for the first time, and a large number of action scenes and even difficult scenes in the film are personally completed. "I fell many times" and "I fell out". In the behind-the-scenes special, both of them recalled the days of "eating snow" together. Through the lens, the hardships in the filming process can be seen, and the real athletes’ efforts and hardships in training and competition are needless to say.

In fact, for the whole crew of Zero Extreme, this shooting almost completed an "extreme" challenge. During the period, the crew traveled to Chongli and several snow fields in relevant districts and counties of Zhangjiakou City. Under certain shooting conditions such as freezing cold and heavy snow, they overcame all kinds of factors, such as the difficulty of wrecker, extremely dangerous transportation of equipment, inability to lay tracks, and rushing to work late at night to make way for the Winter Olympics test. Without any similar sports shooting experience to learn from, they tried their best to present a fresh and cool mirror-carrying effect and a pleasant "snow country". In this regard, Wang Zinan, the chief producer, said, "Looking back now, the resilience of the whole team actually complements the spiritual core of the film, and our original intention is not only to present a burning, dazzling and cool visual enjoyment for the audience, but also to hope that this film can show the development mark of China’s ice and snow sports and make up for a blank space in the skiing theme of China films for decades."

Please click on the attention above and click on "Watching" below.

Text/Li Zechen Zeng Fan (Tan Kah Kee College, Xiamen University)

Metaverse is a new concept that has entered the public’s field of vision in recent years. This concept is a combination of blockchain, interactive technology, electronic games, artificial intelligence, network technology and Internet of Things technology, so a new Internet social ecology has emerged, providing users with an immersive experience. Although the meta-universe is mostly in the initial stage, for banks, we can learn from their innovative thinking and take precautions to explore the function of "banks in the meta-universe". For example, promote digital transformation and reconstruction of traditional resources, digitally assemble financial products, and strengthen the digital connection of customer ecology in the meta-universe through virtual people.

Meta-universe and Bank Innovation

2021 is recognized as the first year of the meta-universe. Many people compare the meta-universe with the Internet in the 1990s and the blockchain ten years ago, and think that the meta-universe will become the hottest new favorite of the scientific and investment circles in recent years. Metauniverse is a virtual world that is linked and created by scientific and technological means, mapped and interacted with the real world, and has a digital living space with a new social system. The concept of metauniverse was born in the book Avalanche written by American science fiction writer neal stephenson in 1992, which describes a virtual world parallel to the real world-"metaworld", which has all the forms of the real world, where people appear as digital incarnations. At present, more and more companies are beginning to set foot in the field of metauniverse. In March 2021, Roblox, known as the first share of metauniverse, was listed on the new york Stock Exchange. In its prospectus, the description of metauniverse is that a real metauniverse product should have: identity, friends, immersion, low delay, diversification, anytime, anywhere, economic system and civilization; In October 2021, Facebook CEO Zuckerberg announced that his platform was renamed "Meta" and entered the meta-cosmic industry; China’s social platform "soul" followed closely, changing the slogan to "Young People’s Social Metauniverse"; In December 2021, Baidu released the first domestic metacosmic product "Xirang" and officially opened the internal test; In December 2021, baixin bank also launched the virtual human AIYA.Make it an image of a future bank explorer and brand concept disseminator. Some scholars believe that the meta-cosmic era is a great sailing era when the real world explores the virtual world. The banking industry can also explore in advance how to set foot in the field of meta-universe and open up new formats.

A virtual social Application created by Baidu is called "the first metauniverse app in China" by some people.

Digital reconstruction of resources. How to open the "bank in the meta-universe"? What needs to be considered is how to translate and adapt the functions of various departments in reality to the meta-universe. This integration work includes but is not limited to the front-office management system, the market environment analysis and strategy formulation between China and Taiwan, and the back-office business processing.

The primary goal of a bank is to reshape its various elements in a digital twin environment. Some studies believe that basic bank resource elements such as human resources, computing power, product components, technical capabilities, business flows, and ecological roles need to be reconstructed, so that they can become digital native elements suitable for the meta-universe, and can be properly digitally assembled, distributed, and deployed according to factors such as scenarios, regulatory rules, and business management strategies. At present, the metauniverse is still a start-up space, and its general direction is to create a virtual world that is parallel to the real world and highly interoperable with it. However, the development direction of each subdivision is still unknown, which means that institutions that want to enter the metauniverse must have strong optimization and follow-up functions in their technical systems and business models in order to keep up with the pace of updating iterations in time.

Digital assembly of products. Based on the situation of digital twin elements reconstructed by banks, more flexible financial products can be assembled and designed to meet the asset allocation and management needs of users in the meta-universe. At that time, banks need to think about the specific process of digital assembly of products and how to embed new technologies such as bank virtual people. For example, BNP Paribas recently launched a VR application, which allows customers to access their accounts in a virtual environment and complete some basic services, such as deposit and withdrawal and transfer, just like people go to ATM to operate in reality. It is also reported that in February 2021, JPMorgan Chase announced the opening of an "Onyx Lounge" in the Metauniverse. The "Lounge" was established by Onyx, a blockchain department in JPMorgan Chase, where users can purchase virtual land with cryptocurrency. At present, the price of virtual land is on the rise.

In February 2021, JPMorgan Chase announced the opening of an "Onyx Lounge" in the Metauniverse (Source: Cailian).

Considering the development direction of the meta-universe, the creation, exchange and consumption of digital products can be carried out in the digital world. People can create income in the meta-universe, exchange virtual assets with each other, or exchange fake assets for real money. This requires digital assembly of bank products to provide customers with personalized services that are more suitable for virtual scenes.

Establish a "digital connection" with customers. No matter in the real world or the meta-universe world, users are an indispensable part, and in the meta-universe world, the property rights of virtual goods and digital assets will be more clear, and banks should explore becoming "ubiquitous banks" and keep close contact with customers. While accurately matching customer needs, we need to get involved in daily activities and expand business scenarios around customer life.

For example, in 2021, kookmin bank built a virtual town on the meta-cosmic platform "gather", including not only the bank itself, but also a telecommuting center and a playground. In the process of "digital connection" with guest rooms, the role of virtual customer service is particularly important. At present, virtual customer service has developed in the banking industry, but its role is still limited, sometimes it only exists as a transit medium, and a large number of complex business consulting and problem solving rely largely on manual customer service.

Kookmin bank building

In December 2019, Xiaopu, a digital employee of Shanghai Pudong Development Bank (600000), officially took up his post. Coincidentally, Everbright Bank (601818) also launched Sunshine Xiao Zhi, a virtual banking employee, in the same month. As a bank virtual human, its brightest feature is AI artificial intelligence technology, which can basically serve all customers at the same time and adjust its services according to customers’ habits. In the future, the "banks in the meta-universe" will undoubtedly have higher requirements for virtual customer service and virtual employees. They can provide guidance services when customers first enter the meta-universe ecology, lead customers to be familiar with the distribution of various businesses in the meta-universe, and even become partners with customers in the game field for entertainment.

"Xiaopu", a digital employee of Shanghai Pudong Development Bank (Source: Xinhuanet (603888))

In addition, there are still risks such as capital manipulation, public opinion bubbles and economic risks in various meta-cosmic platforms at the initial stage of their establishment. When designing, bank virtual people should consider strengthening their professional risk reminding ability to prevent customers from losing their property due to new fraudulent means.

Promote the use of digital currency through bank virtual people. In the future metacosmic ecology, digital currency will be an important competitive field among countries, and all countries are actively developing their own digital legal tender. China’s central bank’s statutory digital currency has made progress in stages, and its use scenarios and forms will continue to expand. In the international ecology of Metauniverse, banks can promote the use of digital RMB through virtual people and explore and innovate their virtual use scenarios.

Difficulties and countermeasures in entering the meta-universe

At present, the concept of metauniverse is just emerging, the platform construction is still in its infancy, and there are many kinds of technologies needed. It is still unknown whether the metauniverse can be popularized in the future and what functions banks can play in it. It can be predicted that if banks enter the metauniverse, they will face at least the following major difficulties:

Scene building obstacles. In the construction of the metauniverse, several important technologies that cannot be avoided include 5G, AI, blockchain, etc., and these technologies are also in the early stage of development. To meet the needs of the meta-universe, it will not be completed in just a few years. And this has also become the difficulty of bank innovation.

Obstacles in the use of scenes. Some experts believe that the role of banks in the meta-universe is difficult to be just needed by users. Just like the ecology that BNP Paribas tried to build mentioned above, it is actually just an extension of the real bank outlets. If the metauniverse is popularized, it will be difficult to attract customers if it still cannot make effective innovations.

Known as Web3.0, the metauniverse still needs a long time to mature, but from the perspective of development, the future may become one of people’s new lifestyles. Banks can explore mainly around customer relationship change and technological innovation, and consider the following aspects to prepare to occupy a place in the future meta-universe.

Cross-border cooperation to solve design problems. Technological innovation cannot be achieved overnight. In addition to independent innovation, banks can reach strategic cooperation with technology Internet companies to break through technical difficulties in a targeted manner. As the saying goes, there is specialization in the industry. Cooperation between the two parties is conducive to reducing the consumption of manpower and resources and helping to achieve innovative results.

Cultivate diversified new talents. At present, the metacosmic scenes that have been laid out are mainly reflected in games and social interaction. Metauniverse needs to be supported by network computing power, artificial intelligence, game technology, imaging technology (AR, VR) and blockchain technology, and these positions often have a big gap for the bank’s science and technology department. In addition, artists need to collide with programmers in order to achieve visual effects. For example, in the design of virtual people, painters and modelers are needed, and these talents used to be concentrated in animation or game companies, and may flow to meta-cosmic related industries in the future. These are also new talents that banks lack, and we can consider making up for the shortcomings through market-oriented recruitment, internal training and external talent cooperation.

Expand the business scope of bank virtual human. Virtual employees may take on more and more functions through continuous learning by relying on artificial intelligence, and bank virtual people will attract more customers in the metauniverse. For example, AIYA, a virtual brand official in baixin bank, is currently active in short videos, virtual live broadcasts, APP and other scenes, and will continue to learn and evolve in the future, so as to enhance AI computing power and financial intelligence. Therefore, innovating and expanding the business scope of bank virtual human will also become a necessary skill for banks to survive in the meta-universe in the future.

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▲ Bull Group’s "Home of Migratory Birds" has been held for many years and is a summer paradise for many employees’ children.

Children of employees of Xingye Shengtai are painting seriously.

Exhibition of Children’s Works of Xingye Shengtai Trusteeship Class. (Photo by Zhou Qiong)

　　"Why do you want to have a holiday, because if you don’t have a holiday, the teacher will go crazy; Why do you want to start school, because if you don’t start school, parents will be crazy! " This is a joke that goes crazy online at the beginning and end of every winter and summer vacation.

　　The long summer vacation is drawing to a close. This holiday, as an "old father" and "old mother", are you on the verge of madness, counting your fingers and waiting for school to start? For parents, especially parents with dual jobs, the way to open the winter and summer vacations every year is often full of anxiety: who will take care of the dolls?

　　Taking work to work affects work, and will be scolded by leaders and colleagues; At home, it is all kinds of uneasy.

　　However, in this year’s holiday, there is a large wave of "other people’s units" in Ningbo, which provide employees with intimate summer custody benefits. Is it feasible to take the baby to work? Where will the future go?

　　I’ll take the baby, and you can go to work with peace of mind

　　There is a kind of welfare called "taking the baby to work"

　　Summer vacation is a rare parent-child time for Wu Huaping, an employee of the purchasing department of Bull Group. At this time of the year, my son Wu Xinhao will come to Cixi from his hometown in Jingzhou, Hubei Province, go to work with him and go home with him after work. "Every time after the summer vacation, our parent-child relationship will be much better. Thanks to the company’s summer care class, I can safely take over my children. "

　　In Bull Group, there are more than 380 people who go to work with their parents like Wu Xinhao. Among them, there are children of middle-level and deputy-level managers of the company, as well as children of ordinary production front-line employees. In addition to basic course counseling, volunteers from the College of Science and Technology of Ningbo University also brought special courses such as Rubik’s Cube Exploration, Astronomy and Geography, and Science and Technology Experiment to the children. At the same time, they walked into the fire brigade, visited the wetland park and other "going out" activities, which also made the children experience an "extraordinary" summer vacation.

　　In Hangzhou Bay New Area Cixing Group Yuren Intelligent Textile Machinery Co., Ltd., the summer camp of "filial piety, respect for teachers and gratitude" is a "super welfare" praised by employees. Here, specially hired Chinese teachers will teach the children the knowledge of China traditional culture, and take the children to experience farming, rice cutting and other labor. Through the study and implementation of traditional classic culture, children will be cultivated with good qualities of filial piety, respect for teachers, gratitude, hard work and practical learning. Liu Juan, manager of the corporate culture department of the company, told the reporter that the children of employees attending the summer camp not only don’t need to pay money, but also receive uniform Hanfu, cultural shirts, customized schoolbags and gifts at the summer camp. At the end of the summer camp, each child will also receive an album recording the growth process of the summer camp.

　　As the only child care class for employees of Ningbo Xingye Shengtai Group Co., Ltd. selected as the first batch of "National Trade Union Care Care Class" in Ningbo, this year is the sixth year. The children received by the trusteeship class are not only primary school students, but also dolls in kindergarten. In order to create a good learning and living atmosphere for employees’ children, Xingye Shengtai Trade Union has allocated a special venue for the custody class, equipped it with standard teaching equipment such as desks and chairs, projectors, televisions and computers, installed infrastructure such as air conditioners and electric fans, and invited outstanding local teachers as full-time teachers for the custody class. It is precisely because of this care class that 12-year-old Cai Kewei got rid of the summer vacation career of "anti-locked children". He told reporters that before, every holiday, his parents were afraid that it was not safe for him to go out alone, and they always locked him at home and locked the door. With his mother joining Xingye Shengtai, his summer vacation has changed since then: "I have been here for four years in a row and made many new friends here." It is also this special employee welfare that attracted Xu Huayuan from Jiangxi to apply for employment in Xingye Shengtai. "I can finally take my children over from my hometown during the holiday. I really appreciate this welfare of the company." Chen Junjie, chairman of the labor union of Xingye Shengtai, told the reporter that although the company has to invest more than 100,000 yuan every year for the summer care of employees’ children, the whole company agrees that this money is "well spent" and employees have no worries.You will put more energy into your work. The reporter learned that in addition to the summer school, in Xingye Shengtai, the company also set up daily after-school care for the children of employees in need. After school, the children can go to the place specially set up by the company, where volunteers will help them with their homework and wait for their parents to go home together after work.

　　There is a strong demand for services, and pilot projects are promoted everywhere.

　　Various forms of trusteeship classes are gradually approaching.

　　Nowadays, those custody classes run by "other people’s units" are familiar to some "post-70s" and "post-80s" minds. They have memories of going to work with their parents when they were young. With the passage of time, most institutions, enterprises and institutions have disappeared. Nowadays, the "post-70s" and "post-80s" who have become parents, especially after the liberalization of the comprehensive two-child policy, increasingly miss the trusteeship they enjoyed as children.

　　The reporter learned that in 2017, the Shanghai Federation of Trade Unions was the first to pilot the "employee parent-child studio" nationwide, encouraging qualified enterprises, parks, buildings, etc. to provide various forms of custody, especially child care services. In March 2018, the reporter also heard the news of "vigorously promoting the holiday custody service for employees’ children" at the first meeting of the seventh session of the Women’s Committee of Ningbo Trade Union.

　　"Now, many young workers are facing the pressure of taking care of children, the pressure of family economy and the pressure of workplace development. Obviously, enterprises cannot rely solely on them to alleviate these pressures ‘ Geili ’ As the parents of employees, we must also consider this issue. " A person in charge of the Ningbo Federation of Trade Unions told the reporter.

　　For the custody of employees’ children, the Municipal Federation of Trade Unions put forward such an idea: to solve the problem of unattended care of employees’ children during holidays by advocating summer custody classes for employees’ children within the unit, summer custody classes for employees’ children in street communities, and joint operation between the unit and nearby street communities or third-party social service institutions.

　　In May 2018, the Municipal Federation of Trade Unions promulgated the "Measures for the Establishment and Management of Custody Classes for Employees’ Children in Ningbo", which clearly stated that regional, industrial and grassroots trade unions would take the lead in providing public welfare custody service facilities for employees’ children in their own regions, industries and units. Le Jingfang, director of the Women Workers Department of the Municipal Federation of Trade Unions, told the reporter that the function of the trusteeship class is mainly to care for the children of employees, and academic counseling and other services can be provided if conditions permit. The "Measures" clarify the different service targets of different custody classes: the winter and summer custody classes that provide custody services for the children of school-age employees during the winter and summer vacations, the after-school custody classes that provide custody services for the children of employees who have entered the park and enrolled, and the full-time custody classes that provide full-time custody services for the children of employees aged 0-3.

　　At the end of last year, the Women Workers’ Committee of the Municipal Federation of Trade Unions named the first batch of 14 "care classes" for the children of employees to demonstrate and guide the construction of care classes for the children of employees in our city. This year, the construction of 100 employee children’s custody classes in the whole city has been included in the "Ten Practical Things" to be done by the Municipal Federation of Trade Unions for the employees in 2019. Before the start of the summer vacation this year, the Municipal Federation of Trade Unions implemented a series of "sending teachers to their homes" courses, including vocal music, cucurbit, model airplane and Lego experience, provided by Ningbo Workers’ Cultural Palace. The Federation of Trade Unions will also give some financial subsidies to some trusteeship classes that are standardized in formation and well received by employees.

　　In Cixi City, the local trade unions offer condolences to the children of the employees in the custody class every year, and at the same time, they provide many menu-based professional experience services such as "little judge", "little fireman" and "little tax collector" for the grassroots custody class by tapping various resources. In Hangzhou Bay New District, the local trade union grants 50% of the actual cost and a maximum of 50,000 yuan to the grass-roots trade unions that have successfully started classes, according to the starting situation, number of people and expenses, and also cooperates with relevant local training institutions to provide a summer activity platform for the children of employees who are not mature in organizing activities.

　　There is demand in society and confusion in management.

　　When does "take the baby to work" press the fast forward button?

　　Every summer vacation, it is the time when young parents have the strongest voice of "taking their baby to work", and the "other people’s home care class" is particularly eye-catching. According to the survey data of relevant institutions, this just-needed welfare of parent-child custody is more popular with employees than that of gyms and physical examinations.

　　"Take the baby to work" is popular, and there is a strong demand behind it. How to pick up and drop off the children in kindergarten, and where should the children go after school and before work? When there is a suspension of classes, who will fill the vacancy of supervision … … "Taking the baby to work" can make parents and children "go to work" synchronously, and reduce the pain of "traveling by boat" to pick up and drop off their children; Close custody will make children feel more secure, emotionally stable, and parents feel more at ease, reducing worries at work.

　　For employers, the construction of the children’s custody class is not just a "costly and thankless" move. In many enterprises interviewed by reporters that run employee children’s custody classes, business owners obviously feel the improvement of employee’s work efficiency: with the joint efforts of the company, Xingye Shengtai has grown into a "singles champion" in China’s high-precision copper plate industry; The "family culture" and "gratitude culture" advocated in Cixing summer camp are also constantly spilling over from children, allowing more employees to make the company their home and work together; Children’s custody service has even become a "sharp weapon" for many enterprises to retain technology R&D personnel and high-end sales talents, and it is also more competitive when recruiting.

　　"Take the baby to work" has great voice and many benefits, but its progress is still relatively slow. Whether you run a self-managed class or introduce a third-party organization, you need certain funds and venues as support. At present, many enterprises are worried about the limited office and production space, and most enterprises that can provide child care services for employees have a solid economic foundation. However, "taking the baby to work" can only be used as a supplement to solve the problem of custody of employees’ children. It is unrealistic for employers to set up custody classes one after another.

　　At the same time, it is difficult to draw a clear line of responsibility from the qualification of starting a class to the safety risk. Le Jingfang, director of the Women Workers Department of the Municipal Federation of Trade Unions, told reporters that there are indeed various voices in the process of promoting the custody of employees’ children because of various problems involving children.

　　Many people in the industry believe that the key to pressing the fast forward button for "taking a baby to work" lies in a more perfect top-level design and more detailed standard terms, so that "people who do things" have rules to follow. At the same time, many workers and trade union leaders suggested that there are three different forms of custody classes in Ningbo’s current design scheme. The first two types of custody classes have been explored in Ningbo, and the full-time custody classes that provide full-time custody services for children of workers aged 0-3 need special incentives and encouragement in the top-level design. For example, according to the actual situation, appropriately lower the relevant thresholds such as accreditation, housing facilities and area requirements; Provide preferential measures for tax reduction and subsidies to reduce the burden on employers; Optimize and simplify the application and approval process to make the bid faster. In particular, it is necessary to clarify the responsibility boundary, and through the establishment of relevant accident insurance systems, employers will be less worried and more motivated, and the progress bar of "taking the baby to work" will be faster. (Reporter Zhou Qiong correspondent Wang Zhiyong Shi Yuchong)