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　　Examinations have always been the most worrying thing for students. For college students, the performance not only represents the academic level, but also is an important basis for future research or employment. In order to get satisfactory results, students not only hope that the teacher can "draw the key points", but also hope to be lenient when judging the papers … …

　　But for teachers, the mood when marking papers is by no means as simple as leaving no mercy. Recently, the reporter received a letter from a university professor, complaining about the "suffering" during the final exam. Although it has been a holiday, many jumps in the students’ papers, perfunctory answers, lackadaisical language expression, logical analysis, and even the "blank space" under the exam questions still make him sigh.

　　Is what the professor said a common phenomenon? What problems are mapped out in a paper? It’s the school season again, and I hope that this year’s questioners and respondents can make real efforts to complete a satisfactory answer sheet.

　　[Letters from readers]

　　Shock wave behind a final exam paper

　　Li Mingliang, Professor of International Business School of Tianjin Foreign Studies University.

　　I have been teaching in the university for more than ten years, and at the end of each semester, I will face a serious psychological shock — — Suffer from the "torment" of the final exam. This "suffering" is not only a physical test, but also a mental torture. At the end of almost every semester, I have to read at least 200 or 300 papers by myself. These "final exam works" from students of different majors and grades are not only hard to see refreshing, serious and beautiful writing, but also jump and answer casually, and the language expression and logical analysis are indifferent. There are even many papers that leave a lot of worrying blanks. A teacher once told me that some students couldn’t answer the questions, so they simply drew a smiling face in the blank space under the examination questions, and then wrote a kind word praising the teacher, as if to please the teacher or win the teacher’s sympathy, hoping that the teacher could be "merciful."

　　As we all know, examination has its unique functions of evaluation, detection, diagnosis, guidance, feedback and encouragement, which cannot be replaced by any other teaching link. The final exam is not only a final assessment and systematic evaluation of students’ learning situation of various courses since one semester, but also a process check of professional teachers’ teaching effect and teaching quality. Generally speaking, the total score of the current assessment courses in colleges and universities is comprehensively evaluated according to the usual scores and final exam scores. Among them, the usual scores include quizzes, homework, class discussions, course papers, attendance, etc. The final score is the final closed-book exam paper score, and their respective weights are different in each school. But on the whole, most colleges and universities stipulate that the final grade accounts for 50% ~ 70% of the total grade. In addition, some colleges and universities also stipulate that there should be no less than four kinds of questions in the final examination paper of each course, and the number of questions is moderate and the difficulty is moderate, which should basically ensure that candidates can complete it within 90 minutes. In this way, the test questions of many courses are limited to noun explanation questions, multiple-choice questions, fill-in-the-blank questions, short-answer questions, discussion questions, case analysis questions or calculation questions. Students also follow this logic year after year to review the "exam-oriented". In colleges and universities, there is also an unwritten "rules of the game". Teachers will divide the students into a general examination range at the end of the term to give each other a "reassurance". Otherwise, students will be at a loss and don’t know what to review;Teachers will also be worried that candidates will "fail in a large area" and the failure rate is too high, which will not only affect their personal teaching reputation, but also lead to tension between teachers and students; Seriously, it may also be held accountable by the teaching authorities, and even ultimately affect the annual performance appraisal and professional title promotion of teachers.

　　From this point of view, the curriculum assessment in our colleges and universities is really not limited to a final examination paper. This is not only related to the relationship between teachers and students, teaching, examination, evaluation and management in colleges and universities, but also related to the talent training mode of higher education, especially the quality of talent training. In fact, for many years, we have been advocating the separation of teaching and examination, calling for the separation of teaching and examination, and teachers do not participate in the final examination of their courses, including setting questions, invigilating, marking papers, scoring and quality analysis; Instead, a set of examination management system with complete rules and regulations including examination database, automatic proposition, marking, grading, examination analysis, score management and so on is established. College curriculum examination should not blindly emphasize theory over application, knowledge over ability, results over process and grades over feedback, but should be adjusted to pay more attention to students’ innovative ability and practical ability, and realize a comprehensive evaluation system with comprehensive evaluation contents, diversified subjects, diversified methods and dynamic process. However, in reality, colleges and universities still have a long way to go in order to build a scientific, comprehensive and reasonable evaluation system and its mode reform.

　　This holiday, Wang Li, a sophomore in a university in Shanxi, didn’t have an easy time. "There are two exam results that haven’t come out, and I’m particularly worried that I can’t pass them. Because I didn’t answer the last two big questions, my paper score is definitely not enough. I pray that the teacher can make my usual grades higher." For these two grades, Wang Li basically brushes the school website every day, and often chats with his classmates to "pray for blessings". "There are still a few days before school starts, and we will know the result soon."

　　Liu Zhengdong, Wang Li’s classmate, told the reporter, "I had a hunch that I would fail two exams, and finally I went to the teacher to plead with him, hoping that he would hand ‘ Song ’ Point, the final result is quite satisfactory, all 60 points, just passed. " Looking at the results haven’t come out yet, Liu Zhengdong advised Wang Li to send a message to the teacher and get in touch with "feelings", so maybe he could pass the exam on the line. "After all, many students didn’t answer well."

　　1. "Everything will be fine if you don’t fail."

　　Are the examination papers of college students really so casual and so "vulnerable"?

　　"No matter which school, there are schoolmasters, but to be honest, if there are no goals such as insurance research that explicitly require credit scores, many students are in line with ‘ Just pass the exam ’ The mentality to cope with the exam. I usually don’t listen to lectures in class, I leave homework from the Internet, review all night before the exam, and everything will be fine without failing. " Zhu Wenshuo, a college student in Beijing, told reporters.

　　"The examination questions of many courses are nothing more than noun explanation questions, multiple-choice questions, fill-in-the-blank questions, short-answer questions, essay questions and so on." Fan Hui, a college student in Hunan, is a liberal arts student. In his view, liberal arts exams are usually relatively easy. "As long as you can remember the knowledge points, you will definitely get similar results. Especially the following essay questions, as long as you have a general understanding of this course, you can write the paper full and make sense, and the basic score will not be bad. "

　　A college teacher who has been engaged in teaching for many years read this sentence repeatedly after seeing it. "I can’t say a lot, but there are some papers that have such problems. When students don’t know what to answer, they will simply list or analyze some concepts of this course, lack basic logic, and even answer irrelevant questions. Because the students know that as long as I answer this question, the teacher will give some points. "

　　However, there is also a college teacher who believes that the college exam is to condense the task of assessing students’ knowledge into a test paper. "Therefore, teachers often ask questions fairly well, and students only need to write out what they think is the most correct. We can’t ask all students to keep a cutting-edge and in-depth understanding of a certain knowledge."

　　2. Who is responsible for the "dull" test paper?

　　Then, in the face of some "plain" answers that are difficult to make people shine at the moment, we should think deeply. What is the problem?

　　In this regard, Mo Leiyu, an associate professor at China University of Mining and Technology (Beijing) School of Management, believes that there are three reasons: First, the academic level of students is uneven now, and it is difficult to unify the measurement standards; Second, due to the school regulations, some colleges and universities have specific proportions for the failure rate of course assessment; Third, under the baton of postgraduate entrance examination, students are utilitarian, and many students do not attach importance to courses that are not directly related to postgraduate entrance examination.

　　Chen Peng, director of the Department of Communication at Nankai University, said that sometimes, in order to "standardize" and facilitate management in a uniform way, educational management departments will require teachers to take exams according to certain prescribed formats, forms and even contents, sometimes they have formulated strict procedures for exams, and sometimes they even put forward some requirements for exam results. "For example, I have learned that the education management departments of many universities will require teachers to take exams in some form, which will facilitate the final filing management; Sometimes students’ grades are required to present an approximate normal distribution, otherwise they are considered to have problems in the exam; Sometimes teachers’ grades are questioned, and in order to be consistent with their standards, teachers are required to lower or raise their grades. In the final analysis, it is still to cope with teaching evaluation. " Chen Peng said, "As an important link in teaching, examination evaluation should respect the laws of education and teaching and be set by teachers, and should ensure that teachers are in the professional field according to professional standards, academic standards and teaching objectives ‘ Discretion ’ 。”

　　"Just because the test papers answered by students are relatively dull does not mean that there is something wrong with the test itself." Some experts said that examination may not be the best way to assess, but as far as the current situation is concerned, there is no better way to test learning, supervise learning and complete evaluation. He believes that the negative impact seen at present is by no means from the examination mechanism itself.

　　Chen Peng said: "Exams and grades are the intersection of students and teachers in knowledge dissemination. Different understanding of the role of knowledge in the educational process and life path leads to different understanding of exams between teachers and students and between different students. However, if there are courses, there will be exams, because every course needs quality evaluation and effect test, and it is necessary to innovate in ways and methods. "

　　3. How to get the true level in the exam?

　　Kun Wang, a student of a university in Beijing, was deeply impressed by a small innovation in an ordinary exam. She told reporters that in the final exam of English listening course last semester, in addition to the regular British accent, there was also a Japanese accent in her listening materials. "Although it is indeed difficult to distinguish, it is inevitable to encounter this kind of communication situation in practical application. After several years of professional courses, it is necessary for us to exercise our ability to eliminate all kinds of interference factors."

　　"We all know that exams are very important, but we often ignore the significance of exams." Kun Wang said that when we take exams just for the sake of exams, the effect will naturally be greatly reduced.

　　"The meaning of the exam is to know what progress students have made and what students have gained through the study of the course ‘ Value-added ’ , to what extent ‘ Value-added ’ ; Discover the shortcomings of students’ learning process and find out which aspects of students have failed to achieve the expected learning effect, so as to provide targeted and targeted help to students. " Professor Xie Xiaoqing, former director of beijing language and culture university Institute of Educational Measurement, said.

　　Then, how to make the exam play a greater role and make the exam get the true level?

　　In Mo Leiyu’s view, the examination can be analyzed in detail, such as dividing the examination into two parts, setting a unified national examination method for the basic knowledge part, and stipulating a bottom line that students of this major must reach. If it is not reached, the basic knowledge is not mastered. "Now there are many channels for students to acquire knowledge, but most of them are fragmented and difficult to connect, so it is still necessary to systematically examine the basic knowledge. Non-single answer questions involving creative and divergent thinking can be flexibly assessed by interviews and other means. "

　　Xie Xiaoqing emphasized: "The knowledge test mainly examines the memory of specific professional knowledge. This kind of memory knowledge can often be completed with the help of online search, which is easy to dampen students’ interest in learning. The ability test mainly examines those psychological characteristics that have a wide influence and are relatively stable. This kind of test has obvious effect on improving students’ overall quality. At the same time, the ability test is not easily affected by the surprise preparation, and can accurately reflect the students’ real learning level. "

　　(Our reporter Jin Haotian, our correspondent Jiang Jiaqian)

　　Huang Qifan believes that the huge annual real estate transaction volume of 16 trillion to 17 trillion will surely become a historical turning point, and the future market will gradually shrink.

　　About 97,000 real estate enterprises are gradually entering the deep-water period of transformation. With the implementation of measures such as deleveraging and stabilizing finance, China’s real estate sector will enter the "second half" era of stock management.

　　"Overall, the era of China’s real estate in short supply is over." Huang Qifan, vice chairman of China International Economic Exchange Center, said at the World Chinese Real Estate Society held on July 13th, "The huge annual transaction volume of real estate in China is bound to become a historical turning point, and the market will gradually shrink in the future; Therefore, in the next decade, I predict that the real estate growth rate will not be higher than China’s GDP and M2 growth rate, but it will not fall too fast and will enter a stage of steady growth in an all-round way. "

　　How should real estate enterprises with an average debt of more than 80% go into battle lightly? "Learning from the experience of developed countries, in fact, financial transformation is also crucial for housing enterprises." Wang He, secretary-general of the World Chinese Real Estate Society, said, "The transformation of real estate enterprises should start from the financial field, such as REITs (real estate trust and investment funds) to reduce the burden on enterprises."

　　At present, nearly 100,000 real estate enterprises registered in industrial and commercial registration have become the epitome of China’s real estate development in the first half.

　　According to Gao Bo, director of the Center for Urban and Real Estate Research of Nanjing University, the development of real estate has contributed to GDP, promoted the process of urbanization, promoted land finance and housing finance, and reduced financial risks. Only by taking the modernization of the housing system as a prerequisite can the real estate industry really do it.

　　For example, in 2018, the added value of the real estate industry in the United States accounted for about 13.2% of GDP. In the first three quarters of the same year, the added value of real estate in China was about 4.36 trillion, accounting for 6.69% of GDP.

　　There is no doubt about this step of transformation. How to turn? Many experts in the research field believe that on the one hand, it is necessary to shift from extensive expansion strategy to refined operation, on the other hand, enterprises need to fundamentally change their financial model.

　　"The transformation of real estate enterprises should pay attention to ‘ Lianggao ’ That is, high quality and high technology. " Jia Shenghua, director of the Real Estate Research Center of Zhejiang University, said, "High quality means that housing enterprises should return to their final purpose of residence, not quantitative expansion; High technology means that more technical means need to be integrated into the development and management of houses. "

　　"REITs are like an IPO of an office building, and the share can be transferred, traded and distributed." Hu Feng, a senior director of dtz and head of the North China District Valuation and Consulting Service Department, told the First Financial Reporter, "It is equivalent to sharing this building. If you buy a share, you can enjoy the benefits of the share. This share can be transferred and transferred, so the assets will flow."

　　According to the First Financial Reporter, Ping An Real Estate, Poly Real Estate, Xuhui and Longhu have also stepped in since CITIC, the first private equity REITs in China, was launched in May 2014. According to the data of Industrial Securities, as of May 12 this year, 48 REITs have been issued in China, with a total amount of 93.42 billion yuan.

　　The REITs research group of Guanghua School of Management, Peking University estimates that the market size of REITs in China is about 4 trillion to 12 trillion.

　　Liu Qiao, dean of Guanghua School of Management, Peking University and professor of finance, believes that REITs will probably become one of the most important starting points for China’s financial system reform or supply-side reform in the next few years.

　　Liu Qiao also wrote in CBN that REITs are not limited to real estate. At present, the problem of financing difficulty and high cost for enterprises in China, especially private enterprises, has been very prominent. The introduction of REITs is conducive to reducing systemic financial risks and promoting the development of real estate industry and upstream and downstream industries.

　　"If the capital operation in previous years was to borrow money to get land, then in the second half of the stock management era, we must calm down and operate our assets well." Chen Xiaoou, independent director of Yuexiu Real Estate Trust, told the reporter, "We are providing asset management services for Chengdu Luhu Eco-city, such as business format and asset sorting, and later asset securitization."

　　In the era of stock management, in addition to residential real estate, building economy will also become an important carrier to adjust industrial structure.

　　According to Zhu Jianhui, head of the research department of Jones Lang LaSalle in West China, "At present, the building economy is also operating under the dual-track background of urbanization and urban renewal; We also found two characteristics: first, the demand side of building transformation mostly comes from technology-driven enterprises such as we work and incubation centers; Second, real estate buildings such as Joy City began to build amusement parks, maternal and child rooms, etc., paying more attention to the humanistic value brought to consumers. "

　　The quality transformation of housing enterprises under the empowerment of many technologies has gradually landed nationwide. In other words, housing enterprises really began to bid farewell to the extensive and expansive development model in the past, focusing on social services that are people-oriented and meet domestic demand.

　　How does technology drive the development of cities and real estate? According to Wang Yeqiang, director of the Land Economy and Real Estate Research Office of the Institute of Urban Development and Environment of China Academy of Social Sciences, on the one hand, smart cities should be built through technologies such as the Internet of Things, cloud computing and big data to meet the needs of residents’ production and life; On the one hand, infrastructure and industrial informatization should be highly developed.

　　Some large real estate enterprises are integrating big data and Internet of Things into residential management and services.

　　Wu Zhihua, CEO of Greentown Service Group, said, "Take a certain community as an example, the proportion of elderly people over 60 years old is 10.98%, and the proportion of second children in the community is higher than the national average; Through this kind of analysis, we have laid out the services of children’s education, nutrition and rehabilitation for the elderly in the community. At present, 130,000 people have established health records on our platform, and 400,000 elderly users are enjoying paid chronic disease management services.

　　Small and medium-sized housing enterprises choose to cut in from low energy consumption and green ecological technology. "The core of real estate is still the residential industry, and this cannot be lost. The reason is that it can develop rapidly and standardize, and because it has a large market consumer group and belongs to popular products, it has strong anti-risk ability. " Li Biao, chairman of yueda Real Estate Group Co., Ltd. said, "In addition to paying attention to building quality, scientific research and development is also our strength."

　　Previously, Jinmaofu attracted much attention in the industry because it proposed 12 black technologies (to meet residents’ comprehensive household needs such as air, temperature, humidity and noise), and the average price of its housing in Hongkou, Shanghai New Town was about 102,000/square meter.

　　"We already have the 12 major scientific and technological systems of Jinmaofu, and we have a clear understanding of ourselves, that is, to be an expert in quality life operation." Li Biao told the First Financial Reporter, "In addition to residential technology research and development, looking further, we are developing projects around the Yangtze River Delta urban agglomerations (such as Suzhou, Nantong and Yancheng)."

　　Some real estate big data companies have already quietly laid out. "According to more than 50 major industries involved in real estate, we divided the data into eight thematic directions, including transaction end, residential security end and residential service end." Yan Zhimin, chairman of Hangzhou Zhongfang Information Technology Co., Ltd. told the First Financial Reporter.

　　"For example, in Fuyang, which is more than 20 kilometers away from Hangzhou, the price of a parking space in a certain community reached 800,000, but the house price in the community was around 10,000. At that time, the people and the media were very controversial; Therefore, we assisted the government to make a data analysis and look at the reasonable reasons according to the floor price and market environment. In the future, data-based disaster reduction, shock absorption, escape, etc. will be used to ensure residential safety. " Yan Zhimin added.

Inclusive finance, as it literally means, is a financial business that benefits everyone. Finance has its own characteristics in the process of development. For a long time, most people still feel that finance is somewhat high, and not everyone needs or has the opportunity to get financial services. Inclusive finance, on the other hand, is committed to making the slightly cold finance serve more classes and people, especially the general public who need financial support but can’t get financial services at ordinary times.

What is inclusive finance?

Inclusive finance refers to providing financial services with appropriate cost, convenience and effectiveness to all social strata according to the principle of equal opportunity and sustainable business. The concept of inclusive finance is an exotic product, which originated from the advocacy of the United Nations in 2005. The original English text is Financial Inclusion, which literally means "financial inclusion". This direct and blunt translation can explain the original meaning and goal of inclusive finance, that is, to include more groups in the scope of financial services. Of course, the Chinese translation of "inclusive finance" means that finance generally benefits the masses, which also shows the original meaning and is more elegant.

To put it simply, inclusive finance wants financial services to reach everyone who needs them, so that the financial needs of all social strata can be met. If finance is a kind of help, then it is necessary to let this help help more people and help everyone in need.

Why push inclusive finance?

From the perspective of the financial industry itself, the financial industry has its natural preference for the choice of customers. For example, banks prefer to serve big customers and rich customers, even though these customers themselves do not need financial support such as loans. In banking practice, there is not much difference in human resources between making a loan of 100 million yuan and making a loan of 1 million yuan. However, in order to complete the business volume of 100 million yuan, those who do a single 100 million yuan only need to do one stroke, while those who do a single 1 million yuan have to do 100 strokes. The human resource cost and operating cost behind it are very different. Therefore, if only from the perspective of commercial interests, banks are willing to provide more financial services to large and medium-sized customers.

In addition, from the customer’s point of view, the internal management of large and medium-sized customers is more standardized, the statements are more credible, and their credit is generally better. Comparatively speaking, small customers have small scale, irregular internal management, and even no qualified statements can be provided, so the credit risk of small customers and inclusive customers is generally greater. Finally, the loan business is reflected in the non-performing rate index, and the default rate generated by banks as small customers/inclusive customers may be higher, and the higher non-performing rate will bring more losses.

If there are no special regulatory requirements to correct the deviation, most banks will serve large customers more, while small customers and inclusive customers will not get financial support. From the perspective of social benefits, although the large customers are large, after all, the social economy is composed of more small enterprises or micro-enterprises, and the inclusive enterprises attract more employed people and maintain more people’s livelihoods. If small customers/inclusive customers do not get enough financial support, it will not be conducive to the all-round and healthy development of the national economy.

Since the financial industry itself is easy to form the deviation of the above-mentioned service targets, it needs external forces to correct it. This is why the supervision of the United Nations and many countries will give special impetus to inclusive finance.

Where is the difficulty in inclusive finance?

Heard a famous professor describe inclusive finance (SME loan problem), he said: "SME loans, banks do, banks die;" If banks don’t do it, SMEs will die. " Although this description is extreme, it also reflects some actual situations. Small and medium-sized enterprises (SMEs) are weak in their ability to resist risks due to their small size, large operational uncertainty, and opaque information, and are prone to problems such as dishonesty of business owners. After banks put in loans for SMEs, the probability of bad loans is indeed not small. In reality, many banks’ business practices have repeatedly proved that inclusive finance/SME loans are difficult to do. Bank employees often find that bad loans appear in the loan portfolio one after another shortly after banks increase the investment of small and medium-sized enterprises. Compared with large and medium-sized enterprises, the loan of Pratt & Whitney customers takes a shorter time from delivery to non-performing loans, and the number of non-performing loans appears more. Even some banks are caught in the quagmire of continuously collecting the non-performing loans of Pratt & Whitney/SMEs shortly after the establishment of SMEs or inclusive finance Department.

In fact, no matter how high the non-performing rate of Pratt & Whitney or small and medium-sized customers is, banks can’t do business, as long as the income can cover the risks, that is, related businesses need to raise interest rates to make up for the losses caused by credit risks. However, since inclusive finance is Pratt & Whitney, the characteristics of Pratt & Whitney determine that inclusive finance can’t charge too high interest rates or handling fees. Since the risks and benefits are not equal, it is more likely that the bank will eventually bear the actual losses as a result of inclusive finance business.

Of course, the benefits of inclusive finance should be judged not only by the economic benefits of the business, but also by the overall social benefits. But if a business is risky and easy to cause losses, the difficulty of business development is also obvious.

What should inclusive finance be like?

Although inclusive finance has its development difficulties, the development of inclusive finance still needs to take into account both economic and social benefits. The development of inclusive finance needs to pay attention to "four characteristics", namely, inclusiveness, convenience, availability and commercial sustainability. Only by developing inclusive finance into an inclusive, convenient and sustainable business can inclusive finance benefit more social classes and enable banks as commercial institutions to continuously develop inclusive finance services.

Inclusive finance should expand its service coverage, expand its audience as much as possible, and let all those who want to get financial services have the opportunity to get services. In fact, according to the statistics of the World Bank, by 2017, 31% of adults in the world still don’t even have a bank account, let alone financing services and other more complicated services.

Countries around the world have actually done a lot to expand the inclusiveness of inclusive finance. For example, in June 2016, Mexico launched the National inclusive finance Strategy to accelerate the promotion of more than half of the population excluded from the formal and regulated financial system to obtain financial services; In July 2016, Mozambique launched the new inclusive finance Strategy, which increased the accessibility of financial services from 24% to 60%; Peru launched the National inclusive finance Strategy in 2015, and the government strives to ensure that at least 75% of adults can use trading accounts by 2021.

Inclusive finance also needs to enhance accessibility and business sustainability. In this regard, the Grameen Bank founded by Muhammad Yunus is a famous case. Up to now, the bank has issued $37.58 billion in unsecured loans, and the corresponding number of borrowers is as high as 10.45 million. In other words, the average amount borrowed by each borrower is only $3,600. The bank labels itself as a bank for the poor, and currently operates in 81,678 villages in Bangladesh (accounting for 94% of all its villages). Grameen Bank even provides interest-free loans to beggars to help them build their financial capacity so that they don’t have to beg any more. According to the information disclosed by the bank, 21,383 beggars have given up begging and achieved self-sufficiency. The loan recovery rate of Grameen Bank is as high as 96.71% (as of November 2023), which makes the bank have basic business sustainability. Grameen Bank has also become a model for inclusive finance to learn from, and its founder Professor Yunus won the Nobel Peace Prize in 2006.

Although inclusive finance is a manifestation of banks’ social responsibility, sometimes banks can give up some commercial interests in order to fulfill their social responsibility. After all, banks are still commercial organizations, and it is not difficult to bear the loss or loss at one time. However, in the long run, the inclusive finance business itself will not be sustainable. The society needs charity, and the government can also make financial arrangements, but inclusive finance is not charity, it is a part of the business of commercial banks after all, and inclusive finance with sustainable development has vitality.

What are the specific ways to develop inclusive finance?

Many business models have been formed in the practice of inclusive finance, and each model has its advantages and disadvantages. It is hard to say which model can win the world. Various specific models and measures for developing inclusive finance jointly promote the development of inclusive finance.

The most famous model in inclusive finance is the credit factory model, because it was first proposed by Temasek, also known as Temasek model. The credit factory model regards credit as a factory assembly line to produce products, and its characteristics and advantages lie in product standardization, business batch, process intensification and personnel specialization. The core of the credit factory lies in the link design of the process, that is, bank employees can be responsible for several links without mastering the whole process. This factory model can make the processing efficiency of small and medium-sized loans more efficient and the business more standardized. Both China Construction Bank and Bank of China have introduced the credit factory model to develop their own loans for SMEs. Of course, credit factories also have bottlenecks. For example, credit products themselves are not personalized enough, and they can’t cope well with some personalized inclusive finance needs.

Another well-known mode in inclusive finance is IPC mode. IPC is a German company, whose full name is International Project Consulting GmbH, that is, an international project consulting company. It has developed the methodology and operational means of SME credit operation, such as report restoration and precise risk control. For example, cross-checking is one of the core technologies of its loan analysis and evaluation, and the information is verified and judged by means of SME account books, contract information, product receipt and issue documents, water and electricity bills, tax bills, and interviews with parties and third parties, so as to obtain an objective evaluation of the enterprise. Using IPC mode to carry out business does not change the main flow of bank credit, so it is easy to start. IPC is a kind of relational credit with high viscosity, which embodies the characteristics of small and beautiful. However, its operation mode is too nonstandard and difficult to copy, so there is a bottleneck. In addition, the production tools used in the model are also somewhat backward compared with the big data analysis methods that are more widely used at present.

In China, the SME loan model in inclusive finance combines the popularity of digital finance, thus developing other distinctive business models, such as the micro-online business model. The micro-online business model is also the model of digital credit. Its advantages are reflected in the overall subversive innovation and the use of big data for risk control decision-making, which brings fast, convenient and better user experience unique to the mobile Internet era, and brings extremely low operational and decision-making costs to bank operations. However, this model also has its limitations. There is a wall between social data and transaction data, and there are restrictions on the transformation of social scenes into business traffic, and there is a deviation between data and reality.

In addition, in the credit business of inclusive finance and small and medium-sized enterprises, China has also developed the Taizhou model, or the super loan officer model. The representative financial institution of this model is the local small and medium-sized banks in Taizhou. After independent exploration of localization, Taizhou mode adopts local market positioning, combined with meticulous management system and more in-depth credit technology to cultivate a more suitable local credit culture. Its core lies in building a relational credit scene through community marketing, increasing the sources of information acquisition and realizing 360 due diligence. That is to say, through a super loan officer who is familiar with the local situation, as the core person to carry out business, because the business is all local, this loan officer can fully grasp the situation of the clients in inclusive finance, and then decide whether to launch credit. This model is more in line with the local economic characteristics, and its ideas of "time is more important than price" and "repayment willingness is more important than repayment ability" in inclusive finance are refreshing.

For banks, developing inclusive finance’s business is like "eating meat in the cracks of bones". Although it is not so delicious, it can be a sustainable business and can produce greater social benefits. For people who urgently need inclusive finance’s services, inclusive finance needs more than icing on the cake. The development of inclusive finance will be more conducive to the balanced, harmonious and sustainable development of the whole society.

[The author Xue Jian is the president of a bank branch, and an expert in the L/C Group and Forfaiting Group of the Banking Committee of China National Committee of the International Chamber of Commerce]

　　Seimi Zhang, June 4 (Xinhua) Recently, the word "stall economy" has been completely popular, and the number of related Weibo topics has exceeded 600 million. Many places have set up vendors’ standard points to encourage the development of stall economy.

　　Set up vendors’ standard points in many places to develop stall economy

　　According to incomplete statistics, up to now, there are at least Shanghai, Jinan, Nanning, Zhengzhou, Nanjing, Chengdu, Hefei, Xiamen, Shaanxi, Liaoning, Jiangxi, Gansu, Changchun, Hangzhou, Changsha, Shijiazhuang, Nanning, Qingdao, Yichang, Huanggang, Deyang, Panzhihua, Guang ‘an, Nanchong, Ziyang.

　　Data map: stall economy. Zhongxin jingwei photo

　　Ying Xiwen, head of the macro-regional research team of the People’s Bank of China think tank, pointed out in an interview with Zhongxin Jingwei client that the stall economy has always been a "gray zone" in China’s urban economy, and its existence has certain rationality, which has alleviated the employment pressure to a certain extent, promoted the development of the tertiary industry, and at the same time activated the market and stimulated economic development.

　　Zhang Zhixin, an associate professor at the School of Urban Economics and Public Administration of Capital University of Economics and Business, told the client of Zhongxin Jingwei that liberalizing the development of stall economy can meet people’s consumption demand, especially during the epidemic period, stall economy brings convenience to people’s shopping, and at the same time increases the fireworks in the city, which also meets the current requirements for epidemic prevention and control.

　　The first Shanghai Nightlife Festival was launched on June 6th.

　　On June 3rd, the press conference of Shanghai Municipal Government revealed that Shanghai will hold the first Shanghai Nightlife Festival from June 6th to June 30th. Create a new image of night Shanghai with fireworks, Shanghai flavor, fashion trend and international style.

　　In addition, recently, Shanghai Urban Management Law Enforcement Bureau formulated and issued the Guiding Opinions of Shanghai Urban Management Law Enforcement Bureau on Optimizing the Business Environment, and Shanghai will support the development of new consumption formats. Promote the economic development of the night market, cooperate with local governments and relevant administrative departments to scientifically set up the night market, guide the night market to implement the management subject and implement merchant autonomy. Support specialty stores to carry out "external placement" operation, and implement refined management of external placement time and placement scope.

　　Jinan proposes to develop "small store economy"

　　On June 2nd, Liu Yanqiu, director of Jinan Municipal Bureau of Commerce, said at the press conference held by Jinan Municipal Party Committee and Municipal Government that Jinan would rationally release the street stall economy, and vigorously develop the night economy, promote consumption transformation and upgrading, and increase jobs by upgrading the IP brand of the night economy, cultivating the theme blocks of the night economy, holding special activities of the night economy, and building the brand of the night economy and culture.

　　Jinan also proposed to develop "small store economy", optimize the access process of "small stores", shorten the time limit for examination and approval, and guide various formats to extend business hours; Support catering stores to increase snack categories and rest places to increase consumers’ stay time; Moderately allow businesses to make personalized shop signs, shop signs, beautiful Chen and street artists to sing, and increase the employment opportunities of urban residents.

　　Nanning makes it clear that minor violations of urban management laws and regulations will not be punished.

　　On June 2nd, the headquarters office of "Beautiful Nanning Clean, Smooth and Orderly Action" issued "Guiding Opinions on Doing a Good Job in Services such as Occupation Management, Road Market and Mobile Vendors", which came into effect on the 2nd and is valid until December 31st this year.

　　The "Opinions" clarify that in order to protect the economy, temporary stalls are allowed to be opened near residential concentrated areas to guide self-produced and self-sold farmers and mobile vendors to regulate their operations; Encourage the use of idle areas inside and outside the community, set up temporary stalls, and where conditions permit, set up the morning market and night market. The "Opinions" also make it clear that enterprises and operators will not be punished for minor violations of relevant laws and regulations on urban management due to their production and business activities. In principle, no booth fee, booth rent and other fees will be charged to operators and mobile vendors who occupy the roads in permitted areas.

　　Demonstrative zones of night economic agglomeration are arranged around Zhengzhou.

　　On June 2nd, Zhengzhou issued "Opinions on Implementing People-Centered Development Thought and Doing Better Work for the People", in which it was mentioned that each county (city, district) and development zone should rationally arrange one or two demonstration zones of "night goods, night shopping, night appreciation, night tour and night health" and hold one or three night economic theme activities. To carry out the selection of night economic activities in counties (cities, districts) and development zones, the municipal finance will reward the top three with 1 million yuan, 800,000 yuan and 500,000 yuan respectively.

　　On the evening of June 2, Zhengzhou Jiankang Road Night Market was very lively. Zhongxin jingwei photo

　　In addition, all counties (cities, districts) and development zones in Zhengzhou should clearly plan their distribution, implement management measures, make full use of public places such as squares and parks and idle land, and set up bazaars and characteristic flea markets according to the principles of fixed time, fixed place, fixed format, fixed expenses and fixed management.

　　Nanjing added 1,410 temporary outside stalls.

　　On May 1st, Nanjing Urban Management Bureau issued "Guiding Opinions on Doing a Good Job in Service Management of Temporary Outside Stalls during Epidemic Prevention", requiring that obvious signs should be set up in temporary outside areas, stalls should be numbered, business items, business hours and safety tips should be publicized, and garbage should be collected separately at the site.

　　On the basis of the existing 3,400 temporary stalls, Nanjing Urban Management Bureau added 134 temporary external stalls in the city this year. The area, scale and time period of setting up temporary external stalls in this opening need to be reviewed by the urban management departments of all districts. The urban management law enforcement department will resolutely investigate and deal with illegal acts such as occupying roads and unlicensed mobile stalls.

　　Chengdu plans a more elaborate stall policy version 2.0

　　On March 14th, Chengdu issued "Chengdu Urban Management Five Permits and One Persist in Coordinating Epidemic Prevention and Control to Help Economic Development". On the premise of ensuring safety, not occupying blind roads and fire exits, not infringing on the interests of others, and doing a good job in epidemic prevention and control, cleaning and sanitation, it is allowed to set up temporary stalls, allow street shops to operate outside the door, allow large shopping malls to carry out occupation promotion and allow mobile vendors to sell. As of May 28th, Chengdu has set up 2,230 temporary road stalls and stalls, allowing 17,147 temporary crossing points and 20,130 mobile vendors, increasing employment by more than 100,000 people.

　　According to the Chengdu Urban Management Committee, Chengdu is planning a more precise and precise version of the policy 2.0, so as to realize the organic unity of standardized and orderly occupation of roads, clean and tidy city environment, convenient and fast life for citizens, more active urban consumption and stronger market atmosphere.

　　Hefei stalls are divided into "forbidden areas" and "diversion areas"

　　The setting area of Hefei stalls is divided into "forbidden area" and "diversion area". Among them, the "forbidden area" refers to the main roads, window units, squares, bridges (including footbridges), underground passages, the periphery of office areas, the entrance and exit of the campus within 100 meters, and other areas where stalls are not allowed to be set up as stipulated by laws and regulations. In addition to the forbidden areas, the areas outside the forbidden areas shall be demarcated by the district governments and development zone management committees and announced to the public without affecting the lives of citizens and traffic, and shall be standardized and managed according to the standards.

　　There are 37 stalls in the "grooming area" to provide convenience for the public. In addition to 37 temporarily defined stalls, there are some seasonal or temporary convenience stalls in Hefei, mainly including watermelon temporary sales outlets, breakfast carts, kiosks and so on.

　　Xiamen has been trying out the "booth" since 2019.

　　Since June last year, the trial of "booth" has been carried out, and 50 "booth" of various types have been built in Xiamen, providing 1150 booths. In addition to the autonomy of business households, urban management and law enforcement departments also cooperate with relevant responsible units to do a good job in food safety and environmental sanitation management at these "stalls".

　　Xiamen Urban Management and Law Enforcement Bureau said that it will further communicate and coordinate with relevant departments, make full use of idle venues, roads with few cars, beaches, etc., and establish flea markets, gourmet streets, fruit markets, etc. in a time-limited manner to bring more mobile vendors into orderly management.

　　For the first time at the provincial level in Shaanxi Province, the "Four Permits" for occupying roads were put forward.

　　On May 27th, Shaanxi Province issued a notice, proposing that "street shops in urban areas should be allowed to operate without affecting pedestrian access and ensuring safety, large shopping malls should be allowed to occupy the road for promotion, temporary stalls should be opened in residential areas, and mobile vendors should be allowed to occupy the road for operation at a certain time and area". This is the first time at the provincial level in Shaanxi Province that the "four permits" on the occupation of roads have been put forward.

　　At the same time, Xi ‘an plans to set up 100 vegetable morning markets, 100 night market barbecue centralized management areas and 100 temporary food stall sites this year.

　　Spreading economic related topics into hot search professional households

　　Source: Weibo screenshot

　　In the past few days, Weibo topics such as # Street Economy # # Urban Management called vendors to set up stalls # # Street Cars # have been on the hot search list. As of 23: 30 on June 3, the reading volume of # Street Economy # Weibo topic has exceeded 630 million, with more than 100,000 discussions.

　　Source: Weibo User Comments Screenshot

　　Spread the economic fire all over the country, all over the network. Netizens have said: "It is suggested that every city should leave some places for stalls, not sneaking stalls but civilized stalls, which will not affect traffic and the environment, but also increase income." "Stalls, night markets, so fireworks, like it." "The stall is really convenient and affordable and gives the community a sense of life."

　　Source: Weibo User Comments Screenshot

　　At the same time, netizens have also given advice to the economic development of the stalls: "The bottom line of maintaining hygiene, exclusive areas and food safety should also be adhered to." "It is allowed to set up stalls, but it can’t be arbitrarily placed, and a new harmonious and win-win economic order will be established." "Don’t overdo it, don’t be across the board."

　　Expert: Letting go of the stall economy does not mean letting go of responsibility.

　　During the development of stall economy, it is inevitable to cause some urban management problems, such as sanitation and pollution, traffic congestion, noise disturbing people, insecure commodity quality and safety, social security and tax evasion.

　　The essay suggests taking this opportunity to solve the long-standing problem of standardizing stall economy in one fell swoop. The first is to register and manage the practitioners in the stall economy. The second is to limit the space and time of operation to avoid affecting traffic. The third is to strengthen the control of health pollution and establish an emergency management system for epidemic prevention. The fourth is to set up a service quality supervision mechanism to protect consumers’ rights and interests. The fifth is to improve management efficiency with the help of Internet thinking, such as online application, registration and tax filing.

　　Zhang Zhixin said that letting go of the stall economy does not mean letting go of the responsibility, nor does it mean giving up the law. In terms of food safety, environmental pollution and other aspects related to the vital interests of the people, urban law enforcement departments must investigate reports, investigate violations and enforce the law strictly. But at the same time, we should avoid overcorrection and one size fits all. (Zhongxin Jingwei APP)

People’s Daily editorial on January 1st:

Fully promote the construction of a strong country and the great cause of national rejuvenation with confidence and Chinese modernization

-New Year’s Day dedication

Years engrave glorious dreams and strive to draw magnificent pictures. After an extraordinary year of 2023, we have ushered in a brand-new year.

刚刚过去的2023年，是全面贯彻党的二十大精神的开局之年，是三年新冠疫情防控转段后经济恢复发展的一年。这一年，历程波澜壮阔。面对国际政治经济环境不利因素增多、国内周期性和结构性矛盾叠加的错综复杂形势，以习近平同志为核心的党中央团结带领全党全国各族人民，顶住外部压力、克服内部困难，积极推动经济持续复苏，有序推进党和国家机构改革，有效应对局部地区自然灾害，积极推进对外开放、科技创新、绿色发展，坚定维护国家主权、安全、发展利益，牢牢把握发展主动权。这一年，成绩有目共睹。神舟十六号、十七号载人飞船翱翔寰宇，中国－中亚峰会、第三届“一带一路”国际合作高峰论坛成功举办，成都大运会、杭州亚运会精彩纷呈，全国粮食总产量创历史新高，连续9年保持在1.3万亿斤以上，我国经济总体回升向好，高质量发展扎实推进，现代化产业体系建设取得重要进展，新质生产力加快形成，改革开放向纵深推进，安全发展基础巩固夯实，民生保障有力有效，中国特色大国外交扎实推进，全面建设社会主义现代化国家迈出坚实步伐。一年来的实践再次证明，“两个确立”对于我们应对各种风险挑战、推进中国式现代化建设具有决定性意义。

看似寻常最奇崛，成如容易却艰辛。新时代以来，面对涉滩之险、爬坡之艰、闯关之难，以习近平同志为核心的党中央团结带领亿万人民迎难而上、知难而进，成功推进和拓展了中国式现代化，不断丰富和发展人类文明新形态，为强国建设、民族复兴伟业提供了更为完善的制度保证、更为坚实的物质基础、更为主动的精神力量，中华民族伟大复兴展现出前所未有的光明前景。从打赢人类历史上规模最大的脱贫攻坚战，实现小康这个中华民族千年梦想，到打响改革攻坚战，推动许多领域实现历史性变革、系统性重塑、整体性重构，再到全方位、全地域、全过程加强生态环境保护，让天更蓝、山更绿、水更清……新时代历程极不寻常、极不平凡，新时代成就鼓舞人心、催人奋进。事实雄辩地证明，中国式现代化走得通、行得稳，是强国建设、民族复兴的康庄大道。

使命如炬，初心如磐。一百多年来，我们党团结带领人民所进行的一切奋斗，就是为了把我国建设成为现代化强国，实现中华民族伟大复兴。党的二十大擘画了全面建设社会主义现代化国家、以中国式现代化全面推进中华民族伟大复兴的宏伟蓝图。习近平总书记指出：“以中国式现代化全面推进强国建设、民族复兴伟业，是全党全国各族人民在新时代新征程的中心任务。”前进道路上我们深知，全面建设社会主义现代化国家寄托着中华民族的夙愿和期盼，凝结着一代代人的汗水，我们的前途一片光明，但脚下的路不会是一马平川，必然会遇到各种可以预料和难以预料的风险挑战，必须准备付出更为艰巨、更为艰苦的努力。2024年是中华人民共和国成立75周年，是实施“十四五”规划的关键一年。面向未来，我们要把推进中国式现代化作为最大的政治，把坚持高质量发展作为新时代的硬道理，在党的统一领导下，凝心聚力、踔厉奋发，坚定不移朝着强国建设、民族复兴的宏伟目标奋勇前进。

新征程上，让我们锚定既定目标，增强历史主动。中国式现代化是中国共产党领导的社会主义现代化，习近平总书记强调：“党的领导直接关系中国式现代化的根本方向、前途命运、最终成败。”我们要毫不动摇坚持党的领导，坚持把远大理想和阶段性目标统一起来，树立世界眼光，胸怀“国之大者”，把历史、现实、未来贯通起来，把中国和世界连接起来，在历史前进的逻辑中前进，在时代发展的潮流中发展，不为任何风险所惧，不为任何干扰所惑，始终沿着正确方向坚毅前行，扎实推进中国式现代化建设。

新征程上，让我们团结一心奋斗，凝聚磅礴力量。中国式现代化是全体人民的共同事业，人民是中国式现代化的主体，必须坚持全体人民共同参与、共同建设、共同享有，紧紧依靠全体人民和衷共济、共襄大业。以中国式现代化的美好愿景激励人、鼓舞人、感召人，调动一切可以调动的积极因素，团结一切可以团结的力量，推动广大党员干部群众心往一处想、劲往一处使，满腔热忱地投入到中国式现代化建设中来，让现代化建设成果更多更公平惠及全体人民，就一定能使中国式现代化拥有最可靠、最深厚、最持久的力量源泉。

新征程上，让我们坚持实干笃行，勇于攻坚克难。中国式现代化既是最难的，也是最伟大的。我们面临的各种斗争，不是短期的而是长期的，将伴随实现第二个百年奋斗目标全过程。惟其艰难，才更显勇毅；惟其笃行，才弥足珍贵。我们要在机遇面前主动出击，在困难面前迎难而上，在风险面前积极应对，以愚公移山的志气事不避难、义不逃责，以滴水穿石的毅力真抓实干、埋头苦干，在新时代新征程上铸就新的时代华章、创造新的历史伟业。

大有大的样子，大有大的担当。习近平总书记强调：“我们追求的不是中国独善其身的现代化，而是期待同广大发展中国家在内的各国一道，共同实现现代化。”中国式现代化既造福中国人民，又促进世界各国现代化，是中国谋求人类进步、世界大同的必由之路。我们将坚定站在历史正确的一边、站在人类文明进步的一边，高举和平、发展、合作、共赢旗帜，弘扬全人类共同价值，推动构建人类命运共同体，推动落实全球发展倡议、全球安全倡议、全球文明倡议，同各国人民携手共创人类的美好未来。

力量在坚定信心中汇聚，目标在拼搏进取中实现。习近平总书记指出：“团结就是力量，信心赛过黄金。”以中国式现代化全面推进强国建设、民族复兴伟业，我们信心十足、力量十足。更加紧密地团结在以习近平同志为核心的党中央周围，全面贯彻习近平新时代中国特色社会主义思想，深刻领悟“两个确立”的决定性意义，增强“四个意识”、坚定“四个自信”、做到“两个维护”，坚定信心，振奋精神，不懈奋斗，全面建成社会主义现代化强国的目标一定能够实现，中华民族伟大复兴的中国梦一定能够实现。

栏目主编：赵翰露

文字编辑：卢晓川

本文作者：新华社

题图来源：上观题图

图片编辑：徐佳敏

　　On November 4th, the Golden Rooster Award of the 36th Chinese Film was announced in Xiamen, Fujian. Tony Leung Chiu Wai (first from left) won the Best Actor Award. Xinhua News Agency reporter Wei Peiquan photo

　　Xinhua News Agency, Beijing, December 19 (Reporter Leon) The cold wave struck, and the somatosensory temperature in Beijing has dropped below minus 10 degrees Celsius, but it can’t stop people from watching movies at the end of the year. In the Capital Cinema, which is located in Xidan business district in the city center, the prime-time sales of popular New Year movies are tight.

　　According to the data of Cat’s Eye, the box office revenue of China in 2023 was 52.9 billion yuan as of December 18th. The annual box office jumped from about 30 billion yuan last year to more than 50 billion yuan this year, setting a new box office record since 2020, indicating that the film industry in China is accelerating its recovery.

　　At present, the top ten in the annual box office list are all domestic films. The box office data released by the film data platform since 2011 shows that domestic films have won the top ten annual box office only once before in 2020. Analysts pointed out that behind the growing popularity of domestic films is the overall progress of China films — — Domestic films are more and more close to the aesthetic needs of the audience.

　　In 2023, China’s box office revenue exceeded 50 billion yuan on November 13th. Industry insiders predict that the annual box office revenue will eventually reach around 55 billion yuan. Although it is lower than the historical highs of more than 60 billion yuan in 2019 and 2018, it is equivalent to the level in 2017 and will be the fourth or third highest annual box office in China film history.

　　"This shows that the film market has generally recovered, and both the film supply side and the audience demand side are gradually returning to the pre-epidemic level." Liu Peng, president of Cat’s Eye Research Institute, a box office data analysis agency, told Xinhua News Agency.

　　Looking back on the whole year, the Spring Festival in 2023 performed well, with the box office exceeding 6.7 billion yuan, making it the second highest box office in China film history, only lower than that in 2021. The summer file is particularly eye-catching, with the box office reaching 20.6 billion yuan, creating the first record of China’s summer file box office breaking through the 20 billion mark. The National Day box office was 2.7 billion yuan, although it was inferior to the 4 billion yuan in the National Day file for three consecutive years from 2019 to 2021, but it was higher than the 1.5 billion yuan in 2022.

　　On June 9th, the crew of the film "Feng Shen Part I" appeared at the red carpet ceremony of the 25th Shanghai International Film Festival. Xinhua News Agency reporter Xin Mengchen photo

　　The types of films are rich and the themes are diverse. Among them, "Man Jiang Hong" and "Wandering Earth 2" aroused the feelings of home and country; The realistic movies "Put all your eggs in one basket", "She Disappeared", "In an octagonal cage" and "Rock-solid" are highly topical and close to life. Feng Shen Part I is praised as a masterpiece of China people’s own epic myth, while Three Wan Li in Chang ‘an tells a new antique story from a unique perspective.

　　"On the whole, China films adhere to the realistic line, absorb the tradition of legendary narration of China films, communicate and interact with the mainstream audience more closely, and constantly improve the industrialization of films, which has contributed to the overall progress and development of China films." Rao Shuguang, president of China Film Criticism Society, believes that film consumption in China is showing a good trend of recovery growth.

　　As of December 16th, the data of Lighthouse Professional Edition, a movie data platform, shows that 83% of the box office in China in 2023 was contributed by domestic movies, and the top ten in the box office list were all domestic movies. The Hollywood film Fast and Furious 10 ranks 12th with a box office income of 980 million yuan, which is the highest ranked foreign film.

　　According to industry observers, the attraction of Hollywood movies to China movie audiences is weakening, corresponding to the increasing attention of domestic movies.

　　"Hollywood mainly relies on Marvel Comics films and series of films. Although these films present powerful audio-visual wonders, they have also caused aesthetic fatigue to China audiences over time." Rao Shuguang analyzed, "At the same time, American movies lack internal connection with China people’s lives, and it is difficult to cause empathy."

　　Liu Peng believes that Hollywood films are good at industrialization and visual effects, while domestic visual effects blockbusters have become common in recent years. "If Hollywood films don’t have strong word-of-mouth support, rich and diverse domestic films are a natural choice for audiences".

At 1 am on October 30th, Beijing time, in the 10th round of Serie A in 2023-24, Inter Milan played against Rome at home. In the first half, Charles Hanoglu shot and hit the doorframe; In the second half, Thuram scored the winning goal in the 81st minute, and Augusto hit the crossbar again. In the end, Inter Milan beat Rome 1-0, overtaking Ewan and rising to the top of the standings.

In this game, Roma coach Jose Mourinho was unable to play against his old club because of suspension, but Lu Kaku appeared in the starting lineup of Rome, and he was booed by tens of thousands of Inter fans at Meazza Stadium.

In the 6th minute, Char Hanoglu blasted a long-range shot in front of the restricted area, and the ball bounced back after hitting the doorframe. Then Thuram’s barb hit the door and the goalkeeper got it. In the 7th minute, Inter’s left corner kicked into the restricted area, and lautaro’s header was not strong enough, so the goalkeeper confiscated the ball.

In the 15th minute, dumfries made a cross from the right, Thuram’s header hit the defender, and then his stab was blocked by the goalkeeper. In the 16th minute, Di Marco’s shot on the left side of the restricted area missed the far post.

In the 24th minute, mkhitaryan received the clearance ball before the top of the arc and volleyed it high. In the 38th minute, dumfries made another cross on the right, and pawar, who was inserted into the restricted area, volleyed his right foot and missed. In the 45th+3rd minute, varela got the chance to volley in the restricted area, and the ball was higher than the crossbar. At the end of the first half, neither team scored.

In the second half, it was easy to fight again. In the 48 th minute, Inter Milan’s free kick was hoisted into the penalty area, and Thuram’s header was high.

In the 59th minute, varela crosses the restricted area, Thuram returns the ball in the chest, lautaro volleys with his right foot, and the ball bounces to the ground and is hugged by the goalkeeper. In the 65th minute, Rome won a free kick in front of the penalty area, and chaaraoui took the penalty and hit the wall. Two minutes later, Charles Hanoglu blasted a long-range shot in front of the restricted area, and the ball hit the defender and crossed the bottom line in disguise.

In the 76th minute, Aslani took the ball in front of the restricted area. When he saw that no one had come forward to block it, he hit a long-range shot, and the ball slightly missed the post.In the 81st minute, Di Marco crossed the ball on the left side of the frontcourt, and Thuram, who was inserted into the middle of the restricted area, grabbed the ball and scored a goal. Inter Milan led Rome 1-0.

In the 89th minute, Augusto made a cross on the left side of the frontcourt. Thuram’s outflanking shot in the middle missed. In the 90th minute, Augusto made a long-range shot in front of the restricted area, and the ball hit the crossbar and popped up.

In the end, the whole game ended and Inter Milan beat Rome 1-0.

On my social media, that photo appeared again and again. A young woman was lying in a hospital bed, unconscious, with a breathing tube in her mouth. Her thick black eyelashes and curly black hair outline her young face. The post is written in Persian, and my mastery of this language can only be regarded as a primary level. I brushed these posts and continued my daily routine: seeing a doctor, teaching, and constantly urging my 17-year-old daughter Laila to fill out her college application.

As the days passed, the story became well known. The photo shows Mahsa Gina Amigny, a 22-year-old girl who has just been admitted to the university. While vacationing with her family in Tehran, she was detained by the "moral police" because of her loose headscarf. In the detention center, she was beaten and taken to the hospital, and eventually died of her injuries. Her dream was to become a lawyer, but she was disillusioned by a wisp of floating hair.

The news of her death spread through a photo. It was a photo of her parents hugging and crying in the hospital, which was shared by a reporter on Twitter. This tweet caused widespread protests, led by girls and women. My news source has become an ocean of photos of young girls. They wear black eyeliner like my daughter Lila-in the video, they laugh, cook and dance. However, many of them, Billera is still young, so they disappeared and even were murdered.

Iran was not like this. The Islamic Revolution in Israel in 1979 overthrew an oppressive monarchy and promised freedom. But from the perspective of my third-grade student at that time, everything became more depressed as time went by. Schools have become single-sex and headscarves have become mandatory. It started as a scarf, and later it became "Manteo", a loose, knee-length raincoat-like coat. But the color can only be brown, black, gray or navy blue. Pants must be worn below. Schools check from time to time, and moral police in the street look for people who violate the rules. If you are caught, you will be whipped.

In 1984, we pretended to attend a medical conference and fled Iran. We each took only one suitcase. It was not until a few hours before we boarded the plane that I knew we were leaving and would never come back. In Massachusetts, I started my eighth grade life. My Iranian part was sealed up by me-until last autumn, which forced me to recall those times.

I remember soldiers knocking at the door and searching for counter-revolutionary materials. They sat on my parents’ bed and quickly played all our videos backwards. Mostly Pink Panther, but those men don’t find it interesting.

I remember cutting my hair short and pretending to be a boy so that I could ride a bike without being bound by a headscarf. One day, I inadvertently put on pink shorts and exposed my girl identity. When those Nissan patrol cars chased me, I understood the meaning of "fight or flight". I escaped.

I remember the consequences of intellectual dissent. My aunt was expelled from dental school because she was accused of reading opposition newspapers. My cousin was forced to "repent" on TV and then executed. Another cousin was imprisoned many times because of his faith. He had cigarette burns on his arm and his nails were pulled out. He finally escaped, but his wife was killed at the age of 21.

Those memories are like dreams, awakened by images on social media. Girls and women in the video, screaming "Zan, Zendegi, Azadi"-"Women, Life, Freedom", bravely walked towards bullets and batons. Every day, the number of deaths and arrests is increasing.

A 52-year-old surgeon protested against the arrested protesters and the use of ambulances to transport security forces at a rally in front of the headquarters of the Medical Association. The doctor’s name is Parisa, and it is said that he was later shot and killed by agents.

All this makes my heart ache, and so does the silence around me. I live every day like a machine, thinking about all the unfairness. Why are people like Laila free to apply for universities and express their opinions, while girls in Iran are subjected to unspeakable punishment for demanding basic human rights?

I can take care of patients. But in Iran, my colleagues are threatened by taking care of injured protesters. They were held in solitary confinement and even murdered. Dr. Ida Rostami, 36, bravely provided treatment for injured protesters. She told her mother that she was coming home, but she never came back. When the police asked her mother to identify the body, they said that Ida had died in a car accident. But her body tells a different story. Her eyes were removed, her face was smashed, and her hand used to treat patients was broken.

So is Dr. Parrisa Bachmani. The official report said that she died in a car accident. The story repeats itself again and again. Protesters disappeared and were later reported to have jumped off a building or died in a car accident. I feel lonely and out of touch with the community. That was my home for 25 years.

One Wednesday, I met an Iranian-American colleague in the clinic corridor. Where the patient was waiting, we were in tears. We started to hold Zoom meetings every week to support each other. Campus communities have also become active. Everyone is involved, from young female postdoctoral fellows who have just arrived in the United States to retired professors. Our reaction is direct and strong. Usually calm men and women cry.

We ask the non-Iranian community to support us. They did it. Every message, email, signature and solidarity has become our strength. The community stands up, speaks, and amplifies our voices. At such an easier time to be silent, they chose to stand on our side.

As the Persian poet Saadi wrote in Bani Adam a thousand years ago, human beings are like a body, and everyone is a part of the body, created by the same essence. When one part is injured, the other part can’t be safe. If you are indifferent to the suffering of others, you are not worthy of being human.

A quarter of doctors in the United States are international graduates. Our roots are all over the world, spanning generations. Our sense of belonging comes from embracing all forms of humanity. See the injured people and stand beside them. Send text messages of support and sign petitions. Whether for Iran, Ukraine, Afghanistan, Turkey or Sudan, these actions connect us like a part of the body.

# Iran #