夢中一載流年

It all began with a harmless SMS. Software engineer, 29-year old Ujjwal was looking for some money to repay a friend. For his photography trip to Malaysia, he had to borrow Rs 50,000 because he decided to visit neighbouring Vietnam as well. He was wary of using his credit card overseas, so asked his colleague to wire the money. Two months later, it was time to pay back his colleague.

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The SMS from the bank offered a great deal, and the best part of it was that this loan would not be added to his credit card limit. Ujjwal took the bait and signed up for a Rs 1 lakh loan for three years.

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Situation slips

As months went by, Ujjwal was approached by other banks. It is always nice to hear about your high credit score. The sweet talk makes even a discerning borrower feel great. Ujjwal was elated, and he felt the need to oblige everybody. New credit cards, new digital platforms offerings loans and even few of friends working in non-banking finance companies (NBFCs) offered him great loan deals.

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Top credit card companies gave him three more cards. From Rs 2 lakh, his credit limit became Rs 15 lakh across four cards. Always paying off minimum dues for each of his cards, Ujjwal’s credit card debt soared. A personal loan was offered to him to slash interest costs of credit cards. The personal loan salesperson asked him to take a bigger amount in case he faced an emergency. Once he managed to reduce the Rs 26,000 credit card Equated Monthly Installments (EMIs) to Rs 18,000 EMI on personal loan, Ujjwal started rolling over the personal loan too. Every time he took a new loan, the personal loan provider asked him to take more than outstanding.

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Close your eyes quietly to listen, listen, grass in the wind layer upon layer of growth; Listen, flowers in the rain beautiful and gorgeous bloom, listen to a poetic season, listen to a feast of flowers.

A dandelion, once interpreted the United States; Sakura catkins, also in the interpretation of the past drunk. Because the edge of the fleeting years too beautiful, only because of the deep memory, there is a dream can not wake up. Only that January, that distant place, remember, enough to love tears. Because the past time is too beautiful.

If, the tide of the years drowned each other’s traces, even if the search can not find a message. Then, please read the poetry I wrote for you, slowly read, those soaked in the blood, nourishing in the soul of the feelings, has been deeply engraved in the text, if you carefully read, perhaps, you will find that the deep and blurred past, always entangled your memory.

There are always some years worth cherishing, near or far, long or short; There are always some memories that will become the theme of life, deep or shallow, thick or weak. Once, “time is not old, we do not scatter” agreement, but has been lost time.

perhaps, in the heart of everyone, there is a complex that cannot be put down, each missing behind, contain a warm story. With the flow of time, slowly faded many, that was once familiar face, gradually become fuzzy, only the memory left, still in the wind warbler stay.

There is a kind of encounter, full of warmth and surprise. Also like, the butterfly meets the flower; The haze met the sun. And I, only for encounter a wind, banishment lonely and thin cold, in the rhythm of a spring return, will long-lost mood release. Life, more like a colorful scenery, read endless love stories, read immortalized, romantic feelings are always unforgettable.

Time will surely fall on the dust, time will fade away. Just, there is still too much obsession in life, by years of wind and frost, slowly grinding into the past. Life, to stand loneliness, endure loneliness, forget the past. Learn to tolerate, learn to put down, is plain in show grace and easy.

Originally, with the spring encounter, the heart can be so light. If only time were still and sweet, and birds and flowers. With a zen, a quiet, a quiet, a leisurely planting in the heart. perhaps, all met, is predestined relationship in the past life, only in this life fireworks, deduct into our story.

pick up a period of time and relax your mood. An edge, from the deep love; Love begins with love. Find each other’s shadow in an old song; In a glass of tea Yun Yin out of a good mood, meet the wind, listening to a tree, is the time to give the most real life touched.

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At the 3Gpp busan meeting, all working groups developing 5G wireless technology will gather at the meeting to finalize the standard technology related to 5G RAN commercialization.

About 1,500 standard experts from chipsets, handset and device providers, mobile operators and others will attend the conference to complete the first phase of 5G. These include 5G wireless access technology that provides ultra-high speed data and ultra-low latency and a method of consistency testing for 5G terminals. To put it simply, after the busan conference, independent networking standards in the first phase of 5G are coming out soon.

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A number of Chinese companies, including huawei, OppO, VIVO and other manufacturers of communication equipment and mobile phones, also attended the meeting to discuss and submit proposals. Yang chaobin, president of huawei’s 5G product line, said the meeting was planned to complete the standard technology related to 5G independent networking (SA), which will be officially announced at the us plenary session next month after the review and approval, and huawei has prepared the proposal. After the standard is determined, the equipment enterprise has the standard based equipment to be commercial.

previously, 3Gpp determined 5G standardization in two stages: the first stage started R15 as 5G standard, which was completed in June 2018; The second phase launched R16 as a 5G standard, which was completed in December 2019. The first phase of 5G will be finalized at the 3Gpp conference in the United States next month.

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Millimeter-wave solutions to 5G problems

It is an inevitable trend to plan millimeter wave around the world. At present, in frequency band below 6GHz, we see the frequency band around 3GHz getting attention all over the world. Many countries around the world are dividing or planning to divide MMW frequency bands above 24GHz. In July 2016, the us divided up the millimeter wave spectrum of up to 11GHz into 5G frequency bands. Other regions including Europe, South Korea, Japan, Australia and Canada are also dividing the millimeter wave spectrum for 5G. In some cases, a portion of the millimeter wave spectrum may be classified as Shared or unlicensed spectrum – rather than authorized spectrum, which may be necessary in certain cases.

“” there is no doubt that the millimeter wave spectrum is critical for 5G both in China and globally. The millimeter wave band provides extreme bandwidth, so it is critical to meet the need for better and faster enhanced mobile broadband, while providing significant differentiation for 5G compared to the gigabit LTE service currently available in China and the rest of the world.” Xu thinks so.

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This importance is evident in the comparative data in a series of tests. In this regard, qualcomm conducted a series of 5G real network simulation experiments. In the experiment in San Francisco, the 5G network simulation experiment was carried out. The current LTE base station was supplemented by millimeter wave capacity, which achieved five times of network capacity gain. Meanwhile, when 4G reached 100% coverage, the millimeter wave added to the existing 4G base station could achieve 65% coverage of 5G network. In another group of experiments in Frankfurt, 4G was converted to 5G on the spectrum below 6GHz. In terms of download rate, the average of 4G users was increased from 56Mbps to over 490Mbps of 5G users, achieving 8.8 times of gain. In terms of the data of cell edge burst, the gain could be up to 9.2 times.

Thanks to the results of the trial, qualcomm has now developed and demonstrated a trial platform that utilizes both frequency ranges of below 6GHz and millimeter wave, and launched a new 5G empty port modem capable of running under 6GHz and millimeter wave frequency.

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For the challenge of millimeter wave, xu also said: “using millimeter wave frequency band transmission is more likely to cause path is blocked and signal attenuation, thus, millimeter wave signal transmission efficiency and robustness is one of our research and development focus, in addition, for how to make the millimeter wave technology to better adapt to the size and power consumption of the terminal is qualcomm technology research direction.” (Nashville)

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Statistics show that the express delivery business volume of guangdong province in 2017 was 10.135 billion pieces, ranking the first in China for many years. According to the measurement of 0.2kg of each express package, 2027,000 tons of packaging waste are generated in a year. It is estimated that the province consumed 10.135 billion pieces of express waybills, 1.53 billion pieces of sealing cases, 4.08 billion plastic bags, 1.53 billion woven bags, 4.89 billion boxes, 8.37 billion meters of adhesive tape, and 1.47 billion pieces of internal stuffing last year.

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Last year, the environmental science research institute of guangdong province conducted a survey on the green packaging of express delivery industry in the whole province. It showed that there are four major problems in express delivery: excessive packaging, low reuse rate of packaging materials, environmental impact of packaging materials production, and potential safety risks of some plastic packaging. Officials at the provincial environmental science academy said that because of the high level of violent sorting in the express delivery industry, many e-commerce businesses have resorted to secondary packaging to protect their goods, resulting in a large amount of packaging waste. In the packing process, use cartons that are substantially larger than the product size, or blindly use cartons that are too thick. A large amount of “invalid” filler is added to the box.

Therefore, the academy of environmental sciences proposed that in the development of express package green technology, the reduction of packaging should be advocated. Optimize transportation process to avoid packaging damage during transportation. Establish a new recycling system pilot, to achieve packaging recycling; Innovative packaging materials and research and development of degradable materials.

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Li hui, deputy director of the provincial environmental protection department, revealed at the symposium that guangdong will vigorously promote green packaging in the future. First, improve the system. It is suggested that the provincial postal administration should take the lead to speed up the formulation and improvement of local regulations and government regulations on the basis of existing national laws and strengthen industrial constraints. Second, industry standards and technical rules should be established. Led by the provincial department of environmental protection and jointly with the provincial commission of economy and information technology, the provincial bureau of quality supervision and administration and the provincial department of commerce, the department is responsible for the formulation of green packaging standards, while fully soliciting the opinions of industry associations and express e-business enterprises to speed up the establishment of standards and rules. In addition, relevant reward and punishment policies should be formulated. Led by the provincial commission of economy and information technology, the provincial department of commerce and the provincial postal administration shall cooperate and formulate relevant policies with clear rewards and punishments.

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(I) homogenization competition is more and more intense. On the one hand, products and services are homogeneous. Traditional businesses such as inter-bank deposit and loan management and exchange, etc., are too similar, and new products are not differentiated enough to attract customers, thus causing problems such as “price war” and “repeated marketing” for key customers. On the other hand, profit model homogenization. The income pattern of the banking industry is basically the same, mainly driven by the deposit and loan interest rate. Under the background of interest rate liberalization and financial disintermediation, the net interest margin of China’s Banks narrowed from 2.7% in 2011 to 2.01% in 2017, making it difficult to maintain the extensive “horse race”.

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(ii) intensified Internet financial impact. In terms of deposits, money funds channel bank deposits. In 2017, the scale of yu ‘ebao exceeded the sum of personal deposits of China merchants bank, and commercial bank deposits increased by 1.36 trillion yuan year-on-year. In terms of loans, online financing accelerates the de-intermediation. Take p2p online lending for example, the volume of online lending industry in China reached 2.8 trillion yuan in 2017, up 35.9 percent year-on-year. In terms of payments, the traditional settlement market has suffered. Third-party payment has become the basic entrance for residents to participate in economic activities, and the market share of bank payment and settlement has been eroded. In 2017, alipay daily active users reached 158 million, 3.4 times more than the top 10 bank App active users combined.

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(iii) the internal operation efficiency is not high. From the perspective of system application, due to the fragmentation of each department system, the product operation is relatively independent, leading to resource waste, complex operation and poor customer experience. From the perspective of data support, the data structure of the existing banking system cannot adapt to the rapid response of information fragmentation to scenario requirements. From the perspective of business operation, some of the middle and back-end business is still manual operation, and intelligent batch processing has not been realized yet, which is time-consuming and inefficient.

The risk control system needs to be reformed urgently. With the change of internal and external risk environment, Banks are faced with more complicated risks, such as credit risk, market risk and liquidity risk. However, traditional bank risk management mainly relies on artificial decision-making, and there are defects in the implementation of the “three checks on loan” system, failing to truly control the risk points. Bank non-performing loan balances have doubled over the past three years, with the non-performing loan ratio rising to 1.74 per cent from 1.25 per cent, according to the bank’s China insurance regulatory commission.

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(v) the innovation mechanism needs to be optimized. Business managers of commercial Banks are subject to a deep constraint of “seeking stability and not seeking change”, have a weak initiative awareness of innovation, and have insufficient cultivation of innovative culture and inter-disciplinary innovative talents, resulting in defects in innovation ability and research and development efficiency. For example, the innovation systematic planning is not enough, and the decision-making process is too complicated. The availability, friendliness and compatibility of product and service innovations are not satisfactory and cannot keep up with market changes and customer demands.

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(10)

On August 23, China banking regulatory commission announced the decision to abolish and amend some banking regulations. Foreign investment in Chinese Banks and financial asset management companies will no longer have shareholding ratio restrictions.

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As early as April, the China securities regulatory commission (CSRC) officially issued the measures for the administration of foreign-invested securities companies. The measures specify that foreign capital share ratio restrictions will be abolished in 2021. The circ announced that the foreign share ratio of foreign-funded personal insurance companies will be relaxed to 51% after 3 years. We have liberalized the scope of business of foreign-funded insurance brokers, in line with Chinese institutions, and eliminated the requirement that foreign insurance companies set up representative offices for two years before setting up.

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So far, our country finance expands the supporting policy that opens to the outside world already basically come out. Foreign investment in China’s financial sector will follow the rules. The NpC and CppCC effectively implemented the decisions and arrangements of the CpC central committee and the state council on further expanding the opening-up of the financial sector, introduced quality overseas financial institutions to invest in China’s financial sector in an orderly manner, and enhanced China’s financial sector’s ability to serve the real economy anatomy illustration.

In November 2017, the ministry of finance disclosed to the public the deployment related to the opening-up of the financial industry in the future: the limit on the investment proportion of securities, funds and futures was relaxed to 51%, and was not restricted after 3 years; China’s Banks and capital management companies shall remove the restriction of foreign capital’s single shareholding of no more than 20% and combined shareholding of no more than 25%, and implement the same internal and external rules on the proportion of equity investment in the banking industry; After three years, the proportion of foreign investment in the insurance industry was relaxed to 51%, and after five years, it was not restricted. Now that promise has begun to materialise.

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