标签： 爱上海 女生自荐区

　　On December 27th, the People’s Bank of China publicly solicited opinions on the Implementation Measures of the People’s Bank of China for the Protection of Financial Consumers’ Rights and Interests (Draft for Comment). The "Implementation Measures" specifically regulate the behavior norms of financial institutions, the protection of consumers’ financial information, and the settlement of financial consumption disputes.

　　What should financial institutions do?

　　Protection of consumers’ rights and interests should be included in the assessment.

　　The "Implementation Measures" require that financial institutions should formulate the overall plan and specific work measures for the protection of financial consumers’ rights and interests in their own institutions. Establish a full-time department or designate a lead department to protect the rights and interests of financial consumers, clarify the responsibilities of departments and personnel, and ensure that they have enough manpower and material resources to work independently.

　　Financial institutions shall carry out special training on the protection of financial consumers’ rights and interests at least once a year.

　　When financial institutions carry out evaluation, they should take the protection of financial consumers’ rights and interests as an important content, rationally allocate the proportion and weight of relevant indicators, comprehensively consider business compliance, customer satisfaction, timely complaint handling rate and qualified rate, and not simply take the number of complaints as the evaluation index.

　　Relevant information shall be kept for at least three years after the termination of business relationship.

　　The "Implementation Measures" stipulate that when financial institutions disclose information on financial products and services, they should use a way that is conducive to the reception and understanding of financial consumers. The rules for the collection and use of consumer financial information should be made public, and the purpose, method and scope of the collection and use of consumer financial information should be clearly stated. For important information related to the immediate interests of financial consumers, such as interest rates, fees, benefits and risks, key technical terms should be explained according to the complexity and risk level of financial products and services, and financial consumers should be confirmed to have received complete information in an appropriate way.

　　When explaining important contents and disclosing risks to financial consumers, financial institutions shall keep relevant materials in accordance with laws, regulations and regulatory provisions, and the retention time shall not be less than three years from the date of termination of business relations. Where laws and administrative regulations provide otherwise, such provisions shall prevail. The retained materials include but are not limited to: product or service agreement confirmed by financial consumers, and risk warning letter confirmed by financial consumers; Record audio and video recordings or system logs and other related data messages that explain important contents to financial consumers.

　　What can’t financial institutions do?

　　Shall not handle business on behalf of financial consumers without authorization.

　　The Implementation Measures require that financial institutions should assess the suitability of financial products and services to financial consumers according to their characteristics, reasonably classify the risk levels of financial products and services and the risk tolerance levels of financial consumers, and provide appropriate financial products and services to appropriate financial consumers.

　　Financial institutions shall ensure the property safety of financial consumers when purchasing and using financial products and services according to law, and shall not illegally misappropriate or occupy financial consumers’ funds and other financial assets.

　　At the same time, we should respect the real wishes of financial consumers to buy financial products or services, and we should not arbitrarily act as agents for financial consumers to handle business, modify financial consumers’ business instructions, or force tying other products or services.

　　There must be no format clause.

　　Unfair and unreasonable regulations for consumers

　　Many consumers usually sign the format clauses of financial institutions without reading them clearly. In order to prevent the infringement of consumers’ legitimate rights and interests, the Implementation Measures require that when financial institutions provide financial products or services to financial consumers, they should draw financial consumers’ attention to the contents of financial products or services that are of great interest to financial consumers, such as the quantity, interest rate, expenses, time limit and method of performance, precautions and risk warning, and explain them according to the requirements of financial consumers. If the standard terms are in electronic form, they should be identifiable and easy to obtain.

　　At the same time, financial institutions shall not make provisions with the following five contents in the form of standard clauses, notices, statements, notices, etc.: (1) Reducing or exempting financial institutions from the liability for compensation for financial consumers’ property losses; (2) stipulating that financial consumers shall bear liquidated damages or damages exceeding the statutory limit; (3) Exclude or restrict the right of financial consumers to inquire, delete or modify their financial information according to law; (4) excluding or restricting the right of financial consumers to choose financial products or services provided by other financial institutions; (5) Other unfair and unreasonable provisions for financial consumers.

　　The "Implementation Measures" require that financial institutions should promptly revise or clean up the format clauses and service agreement texts that infringe on the legitimate rights and interests of financial consumers.

　　Promoting non-guaranteed products should not mislead people into believing that profits are guaranteed.

　　The "Implementation Measures" require that financial institutions should be responsible for the authenticity of marketing propaganda content. The actual obligations of financial institutions shall not be lower than the standards promised to financial consumers in the form of advertisements, materials or explanations in marketing and publicity activities.

　　Financial institutions shall not engage in the following five acts when conducting marketing and publicity activities: (1) false, fraudulent, concealed or misleading propaganda; (2) Exaggerated propaganda on performance or product income; (3) misleading financial consumers into thinking that the financial management department has provided a guarantee for the financial product or service by using the procedures of auditing or filing the financial product or service by the financial management department; (4) The marketing propaganda contents of non-guaranteed investment financial products mislead financial consumers into believing that the principal can be guaranteed to be safe or profitable; (five) other acts in violation of laws, regulations and regulatory provisions related to the protection of the rights and interests of financial consumers.

　　Shall not be forced to collect consumer financial information in disguise.

　　The Implementation Measures has a special chapter to regulate the protection of consumers’ financial information, including consumers’ personal identity information, property information, account information, credit information, financial transaction information and other information related to the purchase and use of financial products or services by specific consumers.

　　According to the "Implementation Measures", financial institutions should follow the principles of legality, legitimacy and necessity in collecting and using consumer financial information, with the express consent of financial consumers. Financial institutions shall not collect consumer financial information unrelated to their business, nor shall they collect information in an improper way, nor shall they collect consumer financial information in a disguised form.

　　Financial institutions shall not take the consent of financial consumers to the use of financial information for external provision as a prerequisite for establishing business relations with financial consumers, unless the nature of the business relationship requires prior consent.

　　Where a financial institution obtains the consent of consumers for the collection and use of financial information through standard clauses, it shall specify the purpose, method, content and scope of use of the collection in the clauses, and remind financial consumers of the possible consequences of the consent in a conspicuous way as easily as possible.

　　At the same time, financial institutions shall use consumer financial information in accordance with the provisions of laws and regulations and the purposes agreed by both parties, and shall not use it beyond the scope.

　　Can’t "throw the pot" to the outsourcing service provider

　　The "Implementation Measures" stipulate that the obligation of financial institutions to protect consumers’ financial information security will not be transferred or reduced because of their cooperation with outsourcing service providers.

　　Financial institutions shall fully review and evaluate the ability of outsourcing service providers to protect consumers’ financial information, clarify the responsibilities and confidentiality obligations of outsourcing service providers to protect consumers’ financial information in relevant agreements, and take necessary measures to supervise outsourcing service providers to perform the above responsibilities and obligations. After the termination of the cooperative relationship, the financial institution shall supervise the outsourcing service provider to destroy the consumer financial information obtained from the financial institution in time.

　　Encourage financial institutions to transfer their financial information to other financial institutions designated by financial consumers on the premise of technical feasibility.

　　What if something goes wrong?

　　The "Implementation Measures" clarify that if there is a financial consumption dispute between financial consumers and financial institutions, they should first complain to the financial institutions. If a financial consumer does not accept the handling of complaints made by a financial institution, he may make a complaint through the branch of the People’s Bank of China where the financial institution has its domicile or where the business behavior takes place.

　　After receiving complaints from financial consumers, the branches of the People’s Bank of China can answer whether to accept them on the spot, and should answer them on the spot; If you can’t answer on the spot, you should make a decision on whether to accept it within 7 working days from the date of receiving the complaint; If the complainant needs to make corrections to the complaint application, he shall make a decision on whether to accept it within 7 working days from the date of completion of the correction. For complaints that are not accepted, the complainant shall be informed of the reasons for not accepting them. For the complaints received, the complaint shall be transferred to the complained financial institution for handling or to the financial consumer dispute mediation organization to provide mediation services within 5 working days from the date of receiving the decision.

　　The financial institution shall reply to the complainant within 15 working days from the date of receiving the complaint forwarded by the branch of the People’s Bank of China. If the situation is complicated, the handling period may be extended, and the complainant shall be informed of the reasons for the extension, but the longest handling period shall not exceed two months. (Reporter Cheng Wei)

"My fate with Taiwan is too close" "I hope to have more opportunities for cooperation with young Taiwanese creators" "I hope Taiwanese audiences will find resonance in" Flowers "… In an interview with Xinhua News Agency reporters in Taipei on the evening of the 12th, Hu Ge, a well-known mainland actor, summed up the feelings of participating in the exchange activities that day with" Flowers are like brocade, it’s a worthwhile trip ".

Not long ago, the mainland TV drama "Flowers" caused a craze for drama chasing in Taiwan, and Hu Ge played "Mr. Bao" in the drama. "Mr. Bao" became a hot topic of public opinion when he arrived at Baodao.

After six years, Hu Ge visited Taiwan again and held a conversation with young creators in Taipei on the 12th. Hu Ge’s trip was low-key and brief, but he was still surrounded by a large number of fans and media wherever he went. "I’m still quite touched, because I haven’t been here for six years, and I still see the audience and fans very enthusiastic when I get off the plane," he said.

Counting the fate of "Mr. Bao" and Baodao, Hu Ge sorted out many "firsts" in his career: "The first’male number one ‘play in my life was filmed in Taiwan, and it happened to be a Taiwanese person; my first costume play" The Legend of Immortal Sword and Raider "was adapted from a game, which was developed and produced by a Taiwanese company; my first studio recording was also in Taiwan, when I recorded an episode for" The Legend of Immortal Sword and Raider "; I have acted in a total of two plays, both of which are Taiwanese works, one is Mr. Lai Shengchuan’s" Dream Like a Dream ", and the other is a play adapted from Mr. Bai Xianyong’s novel" Eternal Yin Xueyan "…"

The first time he came to Taiwan to film in 2003, Hu Ge "left a very deep and beautiful impression." He said that during a month and a half, he visited Hualien, Taitung, Keelung and many other places. "The natural scenery and various delicacies formed very good memories."

Regarding food, he recalls with a smile that he also set an "interesting record" when he first came to Taiwan. "Our photographer at the time was Taiwanese, and he took me to the Keelung Night Market, where we ate 11 stalls in one night."

On the 12th, Hu Ge shared his rich experience in the film and television industry and encouraged young creators to stick to their dreams and be passionate about the industry even if the process is hard. Hu Ge admitted: "The exchange atmosphere is very good, but I hope I also have the opportunity to ask questions to understand the thoughts of young Taiwanese creators now."

"Although I have worked with many Taiwanese actors before, I have not worked with many young Taiwanese directors or screenwriters. So I said during the conversation: If you have a good script in the future, you can give me priority to read it." Hu Ge said that in recent years, his films have been made with young mainland directors and screenwriters, and he has felt a lot of different ideas and ideas in them, colliding with different sparks.

Talking about acting experience, Hu Ge emphasizes the importance of real-life experience: "Whether it is an actor, a director, a screenwriter, as a creator, life is always the best soil. Rich life experiences and profound life insights will be integrated with the characters created."

He further explained that when he was young, he had a superficial understanding of the profession of actor, and felt that the farther away the character was from him, the better the acting skills, and the less like himself, the more successful it was. "But after the age of 40, I found that no matter how you create a character, you can’t do it without yourself. Only your life experience will make the character you create thick and three-dimensional."

From the TV series "The Legend of the Immortal Sword" and "The Legend of the Condor Hero", to "Langya Bang" and "The Pretender", to the recent TV series "Flowers" directed by Wong Kar-wai, Hu Ge’s various roles have been deeply loved by Taiwanese audiences over the past 21 years.

Referring to the "land drama craze" that has arisen on the island in recent years, Hu Ge believes: "Because the cultures of both sides of the Taiwan Strait are originally from the same root and origin, even if it is a costume drama with an empty history like’Langya Bang ‘, everyone can find a lot of empathy in it."

Hu Ge believes that the 1990s Shanghai depicted in "Flowers" will resonate with many Taiwanese audiences. "Because there are many Taiwanese who have experienced that era and contributed to the local economic development and urban construction in Shanghai during that era. After" Flowers "airs, they will recall the fighting spirit and passion that went with them in their youth, and they will be very emotional."

Outside the event, some Taiwanese fans waited for Hu Ge to appear. A middle-aged man said he watched "Flower" three times because he wanted to learn Shanghainese. On social media platforms, some Taiwanese netizens said "because of" Flower ", I, a Taiwanese, want to learn Shanghainese." The following 400 comments started a discussion on "Taiwanese dialect and Shanghainese."

During the dialogue, Hu Ge also smiled and asked: "Many media interviews said that my Shanghainese Mandarin has a Taiwanese accent, so I asked for proof, does my local accent have a Taiwanese accent?" The host said yes, and he said with a smile: "Then I am happier, which means we are not divided from each other."

"After the broadcast of’Flowers’, I met many elders in Shanghai who came to chat with me. I am very grateful to director Wong Kar-wai for allowing me to relive the era in my childhood memory and give me a deeper understanding of the city where I grew up." Hu Ge said that he hoped that "Flowers" would bring Shanghai and Taiwan closer.

　　In order to allow the newly included 11 million taxpayers to adapt to the new tax system as soon as possible and enjoy the reform dividends as much as possible, the tax department recently launched a new round of policy guidance across the country. Recently, in response to the relatively concentrated policy difficulties reported by taxpayers, Lin Feng, deputy director of the Department of Goods and Labor Taxation of the State Administration of Taxation, explained and responded to concerns.

　　6% low tax rate applies to restaurant takeaway

　　Tax incentives continue, and academic education services enjoy VAT exemption

　　In recent years, online food ordering has become a personalized choice for many consumers, and many catering companies are changing to takeaway business models. But should selling takeaway food be subject to a value-added tax rate of 17% like merchandise sales, or enjoy a low tax rate of 6% like traditional catering services?

　　"The sale of takeaway food by restaurants, restaurants and other catering enterprises is not a sale of goods, and there is no need to pay VAT at 17%." Lin Feng said that according to the relevant regulations after the change to the VAT, taxpayers who provide catering services sell takeaway food and pay VAT according to the catering service. Among them, ordinary taxpayers are subject to the lowest rate of 6%.

　　How much will this affect the operating costs of catering companies? "Our monthly takeaway income is 10,000 diverse. If we pay 17% VAT of more than 1,700 yuan, we can now pay more than 1,000 yuan less per month," said Zhang Jing, head of Shandong Zibo High-tech Zone Branch of Burger King (Beijing) Catering.

　　At present, our country implements a 13% value-added tax rate on tap water sales. In reality, many residents buy water through property companies for resale. Some property companies propose that reselling tap water can only obtain 3% of the input invoice, but if the tax is paid at the 13% rate, there will be "high levy and low deduction" of VAT, thus increasing the tax burden.

　　"The finance and taxation department has noticed and issued special policies to properly resolve it." Lin Feng said that for taxpayers who provide property management services, the tap water fee charged by the service recipient is calculated as the sales amount after deducting the tap water fee paid by the taxpayer. According to the simple tax calculation method, it is calculated according to the 3% collection rate.

　　Dong Xiufang, director of company finance of Cangzhou branch of Hebei Travel and Investment Century Property Company, calculated the accounts on the financial statements: After the introduction of the policy, 8 months have passed, the company’s water fee is 79,796.09 yuan, and 2375 yuan value-added tax is paid; and according to the previous tax calculation method, 10373.42 yuan needs to be paid, which is obvious.

　　In order to ensure the smooth transformation of the tax system, the finance and taxation department continues the preferential tax policies during the business tax period in principle based on the actual situation of the industry. Taking education services as an example, after the change from business camp to value-added tax, the original business tax preferential policies have all been translated into value-added tax preferential policies. Educational services provided by academic education can enjoy the value-added tax exemption policy; for general taxpayers to provide non-academic education services, they can also choose to apply the simple tax calculation method to calculate the tax payable according to the 3% collection rate.

　　If the original invoice of the second-hand house is lost, the difference can also be taxed.

　　Real estate development taxes reduce costs and promote inventory removal in third- and fourth-tier cities

　　"I sold a house some time ago, and the agent told me that I need the previous purchase invoice to pay the tax difference, but I can’t find the invoice, and the agent said that it must be paid in full." Some buyers in Beijing said that they had just bought a house for two years, and it was quite expensive when they bought it before. If the full tax burden is too heavy, I hope the tax department can help them.

　　This time, the pilot project of replacing business with value-added tax has been fully launched, and it is the first time that natural persons are involved in paying value-added tax, especially the sale of second-hand houses. Lin Feng said that if taxpayers transfer real estate and pay value-added tax according to the difference in relevant regulations, if they cannot provide the invoice at the time of obtaining the real estate due to loss and other reasons, they can provide the tax authority with other information such as tax payment certificates that can prove the taxable amount of the deed tax, and deduct the difference.

　　So, what information can be used as the basis for proving the amount of tax? The person in charge of the Beijing Municipal Taxation Department told reporters that in order to reduce the impact of the tax change on personal housing transactions, the provable materials include: tax payment vouchers marked as "deed tax" or tax payment certificates, special tax payment certificates for deed tax, deed tax payment certificates, etc.

　　At the same time, the tax authority can also use the means of verifying the housing deed tax records to find out the tax amount, including: file transfer to inquire about the bottom line of the ticket in the inventory file, and the housing management department to adjust the file to inquire about the invoice or deed tax payment certificate records collected when handling the transfer of ownership. In addition, the municipal tax department has specially established a deed tax database, which can be queried immediately.

　　The price of land is one of the important costs in real estate development. It is very popular for real estate enterprises to deduct the land price from the sales volume and then calculate the value-added tax. But what items does the land price include? Many companies are quite concerned.

　　Lin Feng introduced that according to the regulations, the land price includes not only the land acquisition and demolition compensation expenses paid by the land transferee to the government department, but also the land development expenses and land transfer income. The demolition compensation expenses paid by the general taxpayer in the real estate development enterprise to other units or individuals when they sell their development projects are also allowed to be deducted when calculating the sales.

　　"The average selling price of our project can be reduced by 105 yuan per square meter, which stimulates the increase in housing sales." Li Weihong, general manager of Shandong Weifang Xiangkai Real Estate Company, said that after the change of VAT to include demolition compensation and other expenses, the company’s tax burden has been reduced by 33.35%. Through price reduction promotions, the company’s destocking cycle has been shortened from 11.5 months at the end of 2015 to 6.9 months at the end of 2016.

　　The hotel can issue an invoice immediately.

　　Electronic invoices, online invoice application, etc. to reduce the tax burden

　　VAT has the characteristics of ring-ring deduction, and the importance of special VAT invoices as deduction vouchers is self-evident. This puts forward higher requirements for the use and management of invoices after the camp change. How to ensure that taxpayers issue and use VAT invoices in a timely and convenient manner?

　　Mr. Liu is a salesperson at the Chongqing branch of the North China Design and Research Institute of Municipal Engineering. Because of his frequent business trips, issuing invoices has become one of his biggest headaches. "The company’s financing requirements are very strict, and the accommodation fee will only be reimbursed by issuing a special invoice."

　　After the change, small accommodation enterprises need to go to the tax authority to issue special invoices on behalf of consumers, and cannot issue invoices for consumers on site. "Some large enterprises need to issue special invoices to deduct taxes. We can only let the guests check out first, and then mail it to the guests after opening it, and we have to pay the postage." Ji Yanbin, finance minister of Tianwaitian Business Hotel in Wu’an City, Hebei Province, said.

　　In response to taxpayers’ demands, the State Administration of Taxation started a pilot in 91 cities in August last year, allowing small-scale VAT taxpayers in the accommodation industry to issue special VAT invoices by themselves. In November of that year, the pilot was extended to the whole country. "At present, eligible small-scale taxpayers in the accommodation industry can issue special invoices by themselves," Lin Feng said.

　　"In the past, we had to issue hundreds of special invoices for the accommodation industry every day. Now not only do taxpayers pay less taxes and run errands, but the burden on our window is also reduced," said Du Juan, deputy director of the joint tax department of Wu’an City.

　　With the rapid development of the Internet economy, some e-commerce companies have to bear the high cost of mailing paper invoices due to the dispersion of delivery places. Many companies hope to promote the electronic invoice model as soon as possible to save operating costs.

　　In this regard, the State Administration of Taxation has implemented VAT electronic ordinary invoices across the country, and e-commerce enterprises only need to apply to the local competent national tax authority.

　　"Save two hours of printing and mailing time every day, and save more than 500,000 yuan in postage fees throughout the year." Peng Liying, company finance manager of Shandong Zhuochuang Information, said that in the past, more than 300 paper invoices were issued and mailed every day, and the electronic invoice reduced the burden very well.

　　"The appeal of applying for VAT electronic invoices is relatively strong." Wang Zhenzhu, head of the Goods and Labor Department of the State Taxation Bureau of Zibo City, Shandong Province, introduced that in the past year, taxpayers in the city have issued 322,700 VAT electronic ordinary invoices online, and the amount issued is 159 million yuan.

　　In addition, in response to the situation that some enterprises need to go to and from the tax office to apply for VAT invoices, the State Administration of Taxation has also fully implemented the online application service for VAT invoices to achieve "a little mouse, the invoice goes home". (Reporter, Wu Qiuyu)

　　Geely China Xingyue achieved another success in April! After winning the weekly sales title by beating the joint venture in the first week of April, Xingyue L ranked first in the brand sales of A-class SUVs in the second week, reshaping the market structure of A-class SUVs as a game breaker and player, and making a big score for China.

　　According to the sales data from April 1 to April 14, among the top five models in the A-class SUV market, only Xingyue L is a self-owned brand model. As a highly competitive and representative model, Xingyue L led its own efforts to win the A-class SUV sales crown, demonstrating the confidence and strength of China’s own brand.

　　According to statistics, since the listing of Xingyue L, the cumulative sales volume has exceeded 420,000 vehicles, and the monthly sales volume has hit record highs, with the highest monthly sales volume exceeding 20,000 vehicles. The market popularity and attention have continued to rise, and the cumulative sales volume of China Star has exceeded 980,000 vehicles. The sales volume of Xingyue L series is 62%, and the weighted average transaction price is 148,000. In the current extremely involuted SUV market competition, Xingyue L not only broke the monopoly of the joint venture brand on the right to speak in the China automobile market, but also outperformed the joint venture, showing the extremely significant competitive advantage of China brand products.

　　Excellent market performance comes from the excellent product strength of Xingyue L. Xingyue L is based on CMA’s global luxury architecture, giving it the ultimate safety performance. The vehicle attributes are fully compared with the first-line luxury brands, and the mechanical performance is fully ahead of the joint venture brands. In terms of safety, Xingyue L is ahead of its peers in terms of design, intelligence, stability and health. In terms of intelligence, CMA intelligent evolvable electronic and electrical architecture makes the vehicle more advanced in performance, can be equipped with more hardware devices, has faster data interaction and faster system operation speed, and enables various functions to be visually presented to users. In terms of power, Xingyue L adopts high-efficiency turbocharging and lightweight design, which has both strong power and fuel economy. In terms of manufacturing, Geely Xi ‘an Black Lamp Factory, as the world’s first super-intelligent black lamp factory with full architecture, full energy and full vehicle, has laid a manufacturing foundation, technical foundation and quality foundation for the high value of Xingyue L with high-precision and intelligent quality assurance.

　　At the same time, the strength and strength of Xingyue L to win the championship and win the joint venture lies in its keen market insight and forward-looking product planning. Xingyue L pushes new products at high frequency once a year on average, and constantly adds the best technology, technology and design, so that the product value can be continuously advanced to better meet the needs of users and adapt to market trends. In recent years, Xingyue L series has successively launched 2.0TD+8AT Yun Qi, Skyline Edition, Xingyue L Zhiqing, 2.0TD+7DCT Changfeng Edition and other models, continuously improving the comprehensive competitiveness of products, enriching product line selection, and providing users with updated and more valuable travel experiences.

　　Conquering consumers with high value, accelerating the mastery of market discourse power, achieving brand breakthrough and moving towards a broader stage have always been the direction of China’s independent brands. Xingyue L ranked first in the brand sales of A-class SUV, which confirmed the correct feasibility of adhering to the high-value route and opened a new milestone for Geely Automobile and even the whole Chinese automobile manufacturing industry. With the charm of being the main force in the market, Xingyue L has shown the confidence and strength of the strong rise of China automobile to the world, and also made the future of China automobile full of infinite possibilities. (Source: Geely Automobile)