Copywriting for Moments of Graduation Season:

1. After graduation, I hope we can shine in the years when we can’t see each other.

2. When parting, others said to cherish, but I want to wish you all the best.

3. This summer, many years later, it will become that summer!

4. This is the way a person lives. There will be some people who will get close to you for various reasons and then disappear quickly.

5. Xia Feng takes away only the unconcealed enthusiasm, and can’t take away the countless memories between us.

6. Starlight doesn’t ask travellers, time pays off.

7. Always young, always tears in your eyes.

8. What worries me recently is that small farewells always make people feel lonely, so I plan to accumulate those short-lived encounters and farewell episodes little by little and cherish it.

9. The encounter does not necessarily have an ending, but it must be meaningful!

10. We smiled and said goodbye, but we knew that goodbye was far away.

11. Regardless of whether you are splendid or depraved in the future, whether it is smoke or heavy wine, heavy rain, or sunny weather, wind or cloud, I wish you always happy. 12. Leave with a smile in the corridor of the acquaintance. 13. Since then, the mountains are high and the rivers are long, no longer ask about the return date. 14. I just stood in the sunset for a while, and we graduated. 15. In the WeChat list, there are more people who don’t contact often… 16, I hope the future can be rushed, and there is youth to look back. 17. You are bored and feel reluctant when you lose it. 18. All the beginnings are flowers that bloom from parting. 19. Youth, no matter how long or short, will always end. 20. The youth is in turmoil, and we are separated in scribbles. 21. When you are apart, you must look twice, because the sentence of frequent contact is false. 22. Ewha thanked Chunhong, and the years were too hurried. Suddenly, I have become a passer-by, only wishing to meet each other. 23. I wish the world continue to lively, and I wish you the same look! 24. The sun was shining on graduation day, just like the first time I saw it three years ago. 25. So thank you very poorly, because Japan will be longer. 26. I once thought that school uniforms are a kind of restraint, but later I learned that it was the most carefree day! 27. The bridges are strong and the tunnels are bright. 28. The blue sky of yesterday disappeared into the crowd with the young man waved his hand. 29. I look forward to seeing you after the goodbye, and I miss you sweetly when I separate. 30. This is the most boiling chapter in our hot youth. Graduation season WeChat graphic layout style:

“Investor Net” Wu Wei

On June 4, ten days before the Dragon Boat Festival in 2021, Zhejiang Wufangzhai Industrial Co., Ltd. (hereinafter referred to as “Wufangzhai”), which changed its sponsoring brokers three times in just two years, finally submitted a prospectus to the China Securities Regulatory Commission. The company officially applied for listing on the main board of the Shanghai Stock Exchange.

As a well-known zongzi product brand, Wufangzhai began accepting listing counseling as early as April 2019. The sponsoring broker at that time was GF Securities Co., Ltd. (hereinafter referred to as “GF Securities”, 000776.SZ); in January 2020, Wufangzhai replaced the sponsoring brokerage with China International Capital Corporation (hereinafter referred to as “CICC”, 601995.SH); however, the cooperation between the company and CICC has not exceeded one year. In December 2020, Wufang Zhai also replaced the securities firm with Zheshang Securities Co., Ltd. (hereinafter referred to as “Zheshang Securities”, 601878.SH).

Beginning in 1921, Wufangzhai became the first batch of “Chinese time-honored” enterprises to become famous for making zongzi. After restructuring and privatization of collective enterprises, the company is no longer just a zongzi production enterprise. After years of development, Wufangzhai also has business lines or product lines such as catering stores, moon cakes, glutinous rice balls, cakes, egg products, and other rice products.

However, like many old brands, in addition to products such as rice dumplings and finished dishes and semi-finished products, the moon cakes, glutinous rice balls, pastries, egg products, and other rice products sold in Wufangzhai are all processed and produced by OEMs. Even for the famous zongzi products, Wufangzhai is increasingly dependent on OEM production.

As a company that produces seasonal foods, in order to ensure the stability of the company’s income, Wufangzhai has established direct-operated or franchised stores in high-speed service areas, high-speed rail stations, shopping malls and other places with large numbers of people, but these stores have different profits and losses. From 2018 to 2020, the total number of the company’s directly-operated stores has declined. By entrusting processing to expand product lines and raising funds to build an e-commerce center, can “Wufangzhai” be transformed into an Internet food brand as it wishes?

The historical evolution of collective enterprise restructuring is complicated

The predecessor of Wufangzhai was the overall reorganization of the Wufangzhai Zongzi subsidiary in Jiaxing City, and was jointly established by Jiaxing Department Store, Jiaxing Meat Center, Jiaxing Brewing, Jiaxing Academy of Agricultural Sciences and 582 natural persons. From the perspective of property rights structure, Wufangzhai is a collective enterprise. At the beginning of its establishment in 1998, Wufangzhai still left 520,000 shares that were not clearly vested, and the remaining shares accounted for 4.29% of the company’s total share capital.

From 2001 to 2004, the shareholders of Wufangzhai carried out multiple equity transfers. The predecessor of the company’s controlling shareholder, Wufangzhai Group, Sino-Ocean Industrial, became the controlling party of the company through multiple transfers of the equity of Wufangzhai collective or individual shareholders. By March 2004, Sino-Ocean Industrial held 59.16% of Wufangzhai. Shares. Since then, Wufangzhai’s equity has been transferred many times. In 2010, Wufangzhai also transferred 4.29% of the remaining shares held by shareholder Zhu Zhijie, and the company paid the registered capital to incorporate the residual income into the capital reserve. The form solves the problem of remaining shares.

In 2011, Wufangzhai Group also incorporated 9 companies under the group including catering, e-commerce and rice industry into the company system of Wufangzhai through capital increase, in order to increase Wufangzhai’s business line and avoid competition in the same industry. Related questions. The following year, in 2012, Wufangzhai accepted the capital increase from 6 institutional shareholders, including Shanghai-Nanjing Expressway, Everbright Financial Holdings Venture Capital Co., Ltd. (hereinafter referred to as “Everbright Financial Holdings”), and 2 individual shareholders. The valuation is 1.3 billion yuan. In the same year, Wufangzhai Group also transferred 139 million yuan worth of equity at a valuation of 1.3 billion yuan.

Five institutional shareholders, including Everbright Financial Holdings and Ivy Investment, who invested in Wufangzhai in 2012, transferred their equity in Wufangzhai to the company’s actual controller’s related parties at an overall valuation of 1.7 billion yuan in 2016. Ocean decoration. Judging from the supplementary agreement signed between Wufangzhai Group and Ningbo Fuju, which became a shareholder in 2012, Wufangzhai introduced new shareholders in 2012 to promote the listing of the company. The trigger condition for the supplementary agreement signed by Wufangzhai Group and Ningbo Fuju is the enterprise. To be listed at the end of 2015.

Also in 2016, Wufangzhai Group acquired 1.25 million state-owned shares of Wufangzhai held by Jiaxing Meat Center at an overall valuation of 1.367 billion yuan, accounting for 2.48% of the company’s total shares. In the long history of Wufangzhai, the company’s major shareholder Wufangzhai Group has also reduced the number of natural-person shareholders of the company through the transfer of shares held by natural persons. However, as of the 2021 prospectus release date, Wufangzhai still has 165 natural person shareholders.

In the historical evolution of Wufangzhai, issues such as the transfer of state-owned shares and the handling of remaining shares may become the focus of the company’s listing review. The actual controller of the company, Li Jianping, was also involved in the case of Feng Shuixiang, the former chairman of Jiaxing Industrial Assets Investment Group Co., Ltd. and party secretary, taking bribes and illegally operating similar businesses. This has aroused further market concern about the listing of Wufangzhai.

Regarding Wufangzhai’s above question, “Investor Net” also contacted Wufangzhai’s secretary of the board for verification, but failed to get a reply from the other party.

Limited market space, unfavorable expansion of self-operated channels

Zongzi is one of the traditional Chinese delicacies with a long history, but like moon cakes, it is a typical seasonal food. After the Dragon Boat Festival, the market demand will be greatly reduced. At the same time, in the long process of development, combined with local specialties and taste preferences, Zongzi has also developed many “factions” and taste preferences. Representatives include the Jiaxing fresh meat dumplings preferred by Wufangzhai in Jiangsu and Zhejiang, and the Beijing glutinous rice dumplings eaten with sugar in the north; in addition, there are also Shanxi yellow rice dumplings, Shaanxi honey cool dumplings, and Nanning cool dumplings. Zongzi’s “sweet party” and “salty party” are also incompatible on the Internet, and they have been a hot topic of discussion during the Dragon Boat Festival for many years.

In addition to the large regional differences in taste, the price of zongzi is generally not high, so the overall scale of this market is not large. According to statistics, the scale of my country’s zongzi market was 4.916 billion yuan in 2015, and it will grow to 7.337 billion yuan in 2019, with a compound annual growth rate of 10.53%. The report cited by Wufangzhai in the prospectus estimates that by 2024, the domestic zongzi market The scale is only 10.291 billion yuan.

Unlike moon cakes, which require a mold and an oven, the rice dumplings can be made at home after simple processing of the materials, and they can be eaten after they are cooked. Also because of the convenience of making zongzi and the different tastes in different places, shopping malls and vegetable markets in many places will provide materials for making zongzi or homemade finished zongzi before the Dragon Boat Festival. Because the production of zongzi is convenient, and consumers prefer to make zongzi now, this makes the originally small zongzi market present a very fragmented status quo.

Competition is also fierce in terms of fine packaging and zongzi gift boxes. At present, there are more than a dozen brands such as Wufangzhai, Beijing Daoxiangcun, Zhenzhen Lao Lao, and Zhiweiguan. In addition to traditional rice dumplings, beverage brands such as Starbucks, Heytea, and Naixue will also make their own creative rice dumplings to further carve up this otherwise small market.

During the period from 2018 to 2020, Wufangzhai actively deployed catering or sales outlets in crowded areas such as shopping malls, high-speed service areas, and high-speed rail stations to cope with the current seasonal changes in the company’s income and further expand the scope of the company’s product radiation .

However, the expansion of Wufangzhai’s stores has not been smooth. From 2018 to 2020, the number of directly-operated stores opened by the company is lower than the number of closed direct-operated stores. Therefore, the number of directly-operated stores in Wufangzhai has increased from 203 in 2018. This has dropped to 169 in 2020. Even in 2019 without the impact of the epidemic, the number of directly-operated stores of the company is still 20 fewer than in 2018. After the Wufangzhai cooperative store opened and closed, the number of stores in 2020 has also returned to 43 in 2018. Different from the unfavorable expansion of directly-operated stores, from 2018 to 2020, Wufangzhai’s franchise stores increased from 38 to 40; dealer stores increased from 185 to 222, an increase of 20%.

It is worth mentioning that as of the end of 2020, of the 169 directly-operated stores that Wufangzhai is still operating, more than 100 have suffered losses in 2020, and a large part of the loss-making stores also have losses in 2019. Among the 42 cooperatively operated stores, more than half of the stores also suffered losses.

Zongzi sales decline, the proportion of e-commerce is low

Due to the unfavorable expansion of self-operated stores and restrictions on local tastes, as of the end of 2020, 55.82% of Wufangzhai’s income depends on the contribution of Eastern China. In the division of Wufangzhai’s sales revenue, only 18.53% comes from e-commerce retail, and this part is directly sold to end consumers. Wufangzhai did not disclose the sales target. Therefore, consumers in East China may contribute more than 55.82% of the income to Wufangzhai online and offline. In addition, compared with the 411 million zongzi sold in 2018, the total number of zongzi sold by the company in 2019 decreased by 3.131 million; affected by the epidemic, in 2020, Wufangzhai only sold 366 million zongzi.

Although the overall sales volume of Wufangzhai Zongzi has declined, and the company’s production capacity has increased, Wufangzhai’s self-produced rice dumplings accounted for a lower and lower proportion of the total number of Zongzi produced by the company during the current period. The more they rely on foundries to produce products for the company, the controllers of some foundries are still shareholders of Wufangzhai. From 2018 to 2020, the foundry produced 11.66%, 13.40% and 25.01% of zongzi for Wufangzhai.

In addition to using OEMs to produce rice dumplings, Wufangzhai has also expanded the company’s product line by producing moon cakes, glutinous rice balls, pastries, egg products and other rice products. As of the end of 2020, only Wufangzhai contributed 70.77% of the revenue, of which 17.82% of the revenue was provided by the moon cake series, egg products, pastries and other products produced by the foundry.

Among the five projects that Wufangzhai plans to raise 1.056 billion yuan to build, only less than 50% of the funds will be used for the construction and upgrading of production lines, and the other 465 million yuan will be used for the construction of digital industrial smart parks (ie, storage and e-commerce centers). ) And R&D center. The digital industry smart park construction project, Wufangzhai aims to enhance the company’s warehousing and logistics capabilities, and at the same time, through the construction of an e-commerce center, further strengthen the company’s e-commerce business development and increase e-commerce business sales revenue.

It is worth mentioning that of Wufangzhai’s 1.056 billion yuan fundraising, 90 million yuan is intended to be used to supplement working capital. However, from June 2018 to March 2021, Wufangzhai has paid dividends 4 times, with a total dividend amount of up to 253 million yuan. This also makes the outside world have certain doubts about the necessity of fundraising.

In response to the above questions, “Investor Net” also tried to ask Wufangzhai’s Secretary of the Board for verification, but failed to get a reply. (Produced by Thinking Finance)■

On the eve of the college entrance examination, Zhang Xifeng, a senior high school student in Hengshui Middle School, delivered a speech titled “A Little World, Big You”, which unexpectedly became popular on the Internet. His sentence “I am a native pig in the country, I want to go to the cabbage in the city” quickly sparked public opinion.

Hengshui Middle School where Zhang Xifeng is located is one of the first demonstration high schools in Hebei Province. It is widely known for its high enrollment rate and high-definition north rate, but the evaluation of Hengshui Middle School is mixed.

Although Hengshui’s education model has been criticized by many people, in recent years, super middle schools headed by Hengshui Middle School have risen rapidly and blossomed all over the country.

“blossom everywhere”

Hengshui Middle School was originally called “Hengshui County Middle School” and was established in 1951.

In the 1960s, it was designated as a provincial key middle school by the Hebei Provincial Department of Education. But even in the key counties in the Hengshui area, the ranking of Hengshui Middle School counts down all the year round.

In 1992, Li Jinchi was appointed as the head of the Hengshui High School in Hebei Province. With his own power, he took Hengshui Middle School from the middle and lower reaches of the 11 counties in Hengshui City to the top 100 in the province in 2004/number of people with more than 600 points/ Many indicators such as the number of people on the line have become the province’s first national prestigious school.

In 2014, Hengshui Middle School embarked on the path of capitalization. It cooperated with Taihua Company to establish a private high school-Hengshui No. 1 Middle School. In Hengshui, Hengshui Middle School is called the “North Campus” and Hengshui No. 1 Middle School is called the “South Campus”, and the two are often treated the same.

In fact, there is no difference between Hengshui No. 1 Middle School and Hengshui Middle School in terms of teaching system, teaching process, and examination time. Therefore, the so-called “Hengshui Middle School” does not distinguish between these two schools. But the biggest difference between them is that one is public and the other is private.

The college entrance examination results of Hengshui Middle School and Hengshui No. 1 Middle School confirmed the effectiveness of the Hengshui model. Since 2014, Hengshui Middle School and Hengshui No. 1 Middle School have blossomed all over the country through joint operations with local governments or educational institutions and new branch schools. These schools are all named “Hengshui”.

According to incomplete statistics from Blue Whale Education, public information shows that there are more than 30 branch schools in the country under the name of “Hengshui”. In Hengshui City alone, there are two private schools founded based on the management model of Hengshui Middle School, namely Hengshui Middle School Experimental School and Hengshui Ganyang Middle School; other campuses are also located in 24 cities in 11 provinces across the country.

Except for Hengshui city, other branch schools are located in Anhui Province (Hefei, Suzhou), Hebei Province (Tangshan, Baoding, Handan, Zhangjiakou, Dingyuan County of Chuzhou City), Zhengzhou City, Henan Province, Yunnan Province (Dianchi, Chenggong, Yiliang) , Xishan, Qujing, Yuxi, Xishuangbanna), Ordos, Inner Mongolia, Guizhou Province (Guiyang, Liupanshui), Sichuan Province (Zigong, Suining), Lanzhou City, Gansu Province, Nanchang City, Jiangxi Province, Datong City, Shanxi Province, Jiaxing City, Zhejiang Province, etc.

It is worth mentioning that Hengshui No. 1 Middle School’s longest cooperative branch school has gone abroad, and “Hengshui No. 1 Middle School Malaysia Branch” was established in Negeri Sembilan, Malaysia.

The road to high-speed capitalization

How does Hengshui Middle School move toward capitalization? How is the “balanced model” output?

According to public information, in terms of the cooperation model, Hengshui exports brand or management personnel and some teachers, the government provides school premises and enrollment policies, and enterprises provide funds. Blue Whale Education found that the names of cooperative schools include “Hengshui No. 1 Middle School” and “Hengshui Middle School”.

Among the institutions cooperating with Hengshui Middle School, there are many listed companies. On March 12 this year, the First High School Education was listed on the New York Stock Exchange. As of December 31, 2020, it has a total of 19 schools. Fifteen of them are named “Hengshui”. They are spread all over Yunnan, Inner Mongolia, and even counties in the name of Hebei Hengshui Middle School.

In addition, in 2014 Hengshui Middle School cooperated with Jingcheng Education Investment Company located in Suining, Sichuan, and established the “Hengshui Middle School Sichuan Branch” based on the original foreign language experimental school of Suining Middle School; on August 28, 2014, the private Zhangjiakou Dongfang Middle School Hengshui Middle School signed a contract with Hengshui Middle School to run a school to establish “Hengshui Middle School Zhangjiakou Branch”; April 9, 2016, Hengshui Middle School and Henan Yongwei Education Group signed a contract to establish “Hengzhong Henan Branch School”; May 20, 2016, Hengshui Middle School and private school Jiangxi Sanghai Middle School cooperated to establish “Hengshui Middle School Jiangxi Branch”; on December 21, 2016, Anhui Dingyuan Yinghua Middle School added the school card of “Hengshui Middle School Chuzhou Branch”; July 28, 2017, Hengshui Middle School and Anhui Sanhuan The group cooperated to create “Hengshui Middle School Anhui School”-and this is just part of many “joint schools”.

At the same time, “Hengshui No. 1 Middle School” has branch schools all over the country: including Hengshui No. 1 Middle School Fuping Campus, Hengshui No. 1 Middle School Liupanshui School, Hengshui No. 1 Middle School Kangbao Branch, Hengshui No. 1 Middle School Pinghu School, Hengshui No. 1 Middle School Peng Cheng Branch, Hengshui No. 1 Middle School, Lanzhou Branch, Hengshui No. 1 Middle School, Tangshan Branch, Baoding Heyang Hengshui No. 1 Middle and Senior High School, Heyang Hengshui No. 1 Middle School, Tangshan Branch, etc.

Among these institutions that jointly run schools with Hengshui No. 1 Middle School, He Yang Education submitted a prospectus to the Hong Kong Stock Exchange on February 11 this year. If it is successfully listed, there will be two listed education companies that are closely related to the name “Hengshui”.

High tuition, high return

After being named “Hengshui Middle School, Hengshui No. 1 Middle School”, what is the profitability of these educational institutions?

Take the first high school education and Heyang education as examples. The first high school’s 2020 financial report shows that it achieved revenue of 446 million yuan, a year-on-year increase of 32.5%; net profit was 80.9 million yuan, a year-on-year increase of 155.3%.

He Yang Education, which submitted the prospectus, is also in a state of steady development. According to its prospectus, its revenues were 396 million yuan, 481 million yuan, and 572 million yuan in the 2018-2020 fiscal year, and the compound growth rate of the most recent three fiscal years was 20.1%; it achieved profits in the 2018-2020 fiscal year. 165 million yuan, 229 million yuan and 256 million yuan, with a compound annual growth rate of 24.7%.

High returns come from high tuition fees.

According to the prospectus of No. 1 High School Education, in 2018, the average tuition fees of high schools, junior high schools and cram schools under No. 1 High School Education were 16,941 yuan, 10866 yuan, and 22,915 yuan, respectively, which were all higher than the average tuition fees of private schools in Yunnan Province over the same period. According to the CIC report, the average tuition fees of private high schools, private junior high schools, and private cram schools in Yunnan Province in 2018 were 9,739 yuan, 8,636 yuan, and 19,426 yuan, respectively.

It can be seen that the charging standard of “Hengshui” is likely to be higher than the average tuition level of ordinary schools. According to the Heyang Education Prospectus, in the 2020/21 school year, the tuition standard for Heyang Hengshui Middle School and Caofeidian Zhongheng High School is also as high as 19,800 yuan. In sharp contrast, during the same period, the tuition fee for undergraduate courses at Hebei University of Science and Technology under Heyang Education was only 16000-20000 yuan.

Controversy continues

With the blessing of capital, the development of “Hengshui Middle School” has entered the fast lane. But at the same time, it also attracted a lot of controversy.

According to related reports by The Paper, in June 2017, Hebei Taihua Jinye Real Estate Development Co., Ltd. issued a document called “Statement of the Board of Directors of Hengshui No. 1 Middle School” on its official website, signed by Hengshui Huarui Investment Co., Ltd. and Hengshui No.1 Middle School.

The statement stated that since the official seal of the private Hengshui No. 1 Middle School was forcibly removed by the principal of Hebei Hengshui No. 1 Middle School at 23:40 on September 19, 2014, the board of directors of Hengshui No. 1 Middle School has never authorized individuals and groups to cooperate in establishing branch schools. From 23:40 on September 19, 2014 to June 2017, all contracts and agreements signed in the name of Hengshui No. 1 Middle School and other school-running activities and business activities are not related to the board of directors and investors of Hengshui No. 1 Middle School. , Hengshui No. 1 Middle School’s financial account and investors have not received any sponsorship funds and franchise fees from any school.

Subsequently, in June 2017, the Hebei Provincial Department of Education issued the “Notice on the Rectification of Hebei Hengshui Middle School and Hengshui No. 1 Middle School”.

In the document, Hengshui Middle School and Hengshui No. 1 Middle School both put forward rectification requirements. The three rectification requirements of the Hebei Provincial Department of Education for Hengshui Middle School include: the legal representative of Hebei Hengshui Middle School shall not act on behalf of the legal representative of Hengshui No. 1 Middle School; the appointment of teachers in Hebei Hengshui Middle School to private schools should be approved by the Hengshui City Education Bureau, and shall not Affect the teaching activities of Hebei Hengshui Middle School; remove the relevant information related to Hengshui No. 1 Middle School from the official website of Hebei Hengshui Middle School, and no simultaneous occurrence of Hebei Hengshui Middle School and Hengshui No. 1 Middle School in the content related to external propaganda.

In addition, the capitalization of Hengshui Middle School has also caused controversy. Some people frequently questioned, “Is education used to make money?” On the other hand, Hengshui Middle School’s practice of “picking the top” of outstanding students has aroused resentment from other local schools. The education bureaus of Shijiazhuang, Chengde, Langfang, Zhangjiakou, Cangzhou, Xingtai, Handan and other places have issued opinions on handling illegal enrollment of private schools such as Hengshui No. 1 Middle School.

In fact, in recent years, the rapid development of “super schools” such as Hengshui Middle School, Huanggang Middle School, and Maotanchang Middle School is a manifestation of the Matthew effect. Some people commented that local education needs super middle schools, and parents of students also need super middle schools, and capital needs super middle schools. Even with doubts, under the influence of the Matthew Effect, the “super middle school” will only grow stronger.

At the moment, “education equity” has become a buzzword. And will the development and growth of super middle schools run counter to the concept of “educational equity”? In addition, the current regulatory policy for “pink-out enrollment” is accelerating the replenishment. How long can the “myth” of super high schools last?

Tian Huiyu attaches great importance to the development of financial technology. In the more than 2,000 words of the “President’s Address” in the China Merchants Bank’s 2019 annual report, he mentioned a total of 6 “technology”, 9 “transformation”, and 14 “digitalization”.

Since taking office in 2013, Tian Huiyu has been pushing China Merchants Bank to “run wildly” on the road of technology.

“We have made a clear-cut proposal to build a financial technology bank, and take the exploration of digital business models as the main direction of the second half of the transformation.” Tian Huiyu said in the 2019 annual report.

Thanks to the efforts of Tian Huiyu and other people from China Merchants Bank, China Merchants Bank’s “technological strength” has been at the forefront of the industry.

• At the end of 2019, CMB’s investment in information technology was 9.361 billion yuan, an increase of 43.97% year-on-year, which was 3.72% of the company’s operating income; in 2020, CMB’s investment in information technology reached 12 billion yuan
• In December 2020, China Merchants Bank and JD.com jointly won the second direct banking license in China. China Merchants Topology Bank will fully adopt an online business model and explore new forms of banking in the future
• As of January 10, 2021, the CMB App has accumulated 145 million users and 60.25 million monthly active users

The emergence of the epidemic will bring more complicated situations and tests to banks in 2020, and China Merchants Bank’s performance last year was relatively stable. According to the performance bulletin published on January 14, China Merchants Bank achieved operating income of 290.508 billion yuan in 2020, an increase of 20.805 billion yuan, or 7.71%, over the same period last year.

Recently, Tian Huiyu also said in an interview with a reporter from the Financial Times that the epidemic has isolated physical contact between people, but thanks to a higher level of digital service system, the relationship between China Merchants Bank and its customers has become closer. It also strengthened China Merchants Bank’s determination to promote digital transformation.

Create “Digital Merchants Bank”

China Merchants Bank, founded in 1987 and headquartered in Shenzhen, China, is the first joint-stock commercial bank in China that is wholly owned by a corporate legal person.

China Merchants Bank adheres to the strategic direction of “light banking” and the strategic positioning of “one body and two wings”.

“Light Bank” The strategic direction of China Merchants Bank requires light management, light assets, light business model, etc. For example, light management refers to a light organization structure, which is manifested in the head office and branches going hand in hand; light asset refers to less asset consumption and more controllable risks. At present, China Merchants Bank and ICBC have joined the ranks of light banks. In its annual report, China Merchants Bank pointed out that it is necessary to closely focus on the transformation direction of “light banking” and strive to achieve a breakthrough in the qualitative change of financial technology banks.

At the same time, China Merchants Bank also insisted “One body and two wings” Strategic positioning, Retail “One” takes MAU as “North Star” (North Star is the most important direction, and all indicators serve this indicator) , Wholesale “Two Wings” take specialization as the direction, focus on building wholesale business systemization capabilities, and accelerate the advancement of digital transformation.

With MAU as the most important indicator, the number of APP users of China Merchants Bank continues to rise. At the end of 2019, the cumulative number of CMB App users exceeded 100 million; in mid-2020, the cumulative number of CMB App users reached 129 million; as of January 10, 2021, the cumulative number of CMB App users had reached 145 million. The number of active users is 60.25 million.

China Merchants Bank also directly pointed out that it must pass Benchmarking financial technology companies , Vigorously carry out the construction of financial technology banks, use financial technology as the nuclear power of transformation and development, and fully empower business development .

Currently, China Merchants Bank has built three software centers in Shenzhen, Hangzhou, and Chengdu, and two data centers in Shenzhen and Shanghai to support the business development of the entire bank.

China Merchants Bank’s “AI Actual Combat”

Digital risk control

China Merchants Bank’s intelligent risk control platform “Libra System” covers online and offline transaction channels, and can intercept telecom fraud in real time.

As of the end of 2019, the “Libra System” can intercept suspected fraudulent transactions within 30 milliseconds, reduce the proportion of counterfeit and embezzled amounts of non-cardholders to five ten million, and help customers intercept 27,900 telecommunications fraud transactions. The interception amounted to 493 million yuan, which provided a strong guarantee for the safety of customer funds.

As of mid-2020, China Merchants Bank has reached 75.60% of the early warning accuracy of potential risky corporate customers; it has helped customers intercept 80,000 telecommunications fraud transactions, with an intercepted amount of more than 1.8 billion yuan, which provides a strong guarantee for the safety of customer funds.

Now, the intelligent risk control platform “Libra System” can intercept most suspected fraudulent transactions within 20 milliseconds, reducing the proportion of counterfeit and embezzled amounts by non-cardholders to six ten millionths.

In addition, in terms of external cooperation, China Merchants Bank is also actively cooperating with digital technology companies such as Huawei, Tencent, and Suoxinda.

According to an article published on Huawei’s official website in 2018, after the China Merchants Bank credit card unified risk control platform based on Huawei’s FusionInsight big data solution was launched, the number of risk cases was reduced by 50%, and the loss in half a year was reduced by more than 100 million yuan. The credit card issuance time has been reduced from about 15 days. Shorten it to 5 minutes.

In November 2017, Tencent and China Merchants Bank formally signed a cooperation agreement to reach a cooperation in the field of financial big data anti-fraud: Tencent Financial Cloud and Tencent Security Anti-fraud Laboratory opened up anti-fraud capabilities to China Merchants Bank through AI technology to help China Merchants Bank Better identify fraud in financial services and jointly build a financial security ecosystem.

According to news in April 2020, Tencent and China Merchants Bank jointly launched the “Lingshield Plan” to create a new model of anti-fraud through technology.

Digital marketing

In the field of intelligent marketing, the characteristics of China Merchants Bank are personalized recommendation, precise identification and electronic channel construction.

Beginning in 2015, China Merchants Bank has cooperated with Suoxinda Holdings, a global financial AI big data and integrated intelligent marketing solution manufacturer, from the customer group marketing stage 1.0, to the personalized marketing stage 2.0, to the real-time marketing 3.0 stage, to AI Marketing 4.0 stage, comprehensively build China Merchants Bank’s leading digital smart marketing system. It is reported that through the generation of 1,726 customer portrait tags for retail customers, the number of marketing customer contacts has increased by 6.56 times, the marketing success rate has reached 17.42%, and the personalized recommendation of “thousands of people” has begun.

Digital Customer Service

In 2016, under the technological wave of AI + big data, China Merchants Bank’s credit card service started the application of intelligent services with the palm life app as the core, from AR customer service, to AI-core intelligent customer service, and then to small recruitment assistants. Every new technology exploration and application has brought users a better interactive experience, and has become a more personalized and portable intelligent assistant for users step by step.

At present, the “Xiao Zhao Miao Smart Assistant” launched by CMB Credit Card on the Pocket Life App uses AI technologies such as voice conversion and semantic recognition to perform intelligent intent analysis of natural language, making the service “visible” and “heard” “. At the same time, the intelligent voice navigation function is implanted in the telephone voice IVR, the recognition accuracy rate reaches 94%, and the interaction volume is nearly 80,000. In addition to voice recognition technology, face recognition has also been used in the image, which greatly shortens the security authentication time.

In 2020, an interim report issued by China Merchants Bank pointed out that the automatic response accuracy rate of China Merchants Bank’s intelligent customer service reached 96.7%.

Digital investment advisory

In 2016, China Merchants Bank launched a robo-advisory service-“Capricorn Intelligent Investment”, which is also the first domestic commercial bank to launch robo-advisory services.

“Capricorn Smart Investment” mainly uses machine learning algorithms to incorporate more than ten years of wealth management experience of China Merchants Bank, and builds an asset allocation portfolio based on public funds, so as to achieve the purpose of diversifying investment risks with investors.

In 2018 alone, the cumulative sales scale of CMB Capricorn Smart Investment reached 12.233 billion.

Digital Middle Office

In the 2019 annual report, China Merchants Bank pointed out that it will build a unified digital middle-station for enterprises-China Merchants Bank’s open platform, explore the transformation of business models supported by standardized and modular services, and quickly respond to customer needs.

Prior to this, Leifeng.com (Public Account: Leifeng.com) had reported on China Merchants Bank’s data center in detail. For example, China Merchants Bank has built a middle-office system for customer acquisition and operation across the entire chain, such as the Rubik’s Cube activity operating platform and the red envelope platform. Like the Rubik’s Cube event platform, branches can quickly configure an online event within 5 minutes and reach target users through the China Merchants Bank App.

China Merchants Bank also proposed Strengthen the construction of data center and promote data connection. Strengthen data governance, improve the convenience and ease of use of data, build a data application tool platform, and lower the threshold of data application. Promote the integration and opening of the system, open up the work flow and information flow of each system, and realize one entrance to the whole line. Decoupling the system with open thinking, micro-service and productization of functional modules, Precipitate various general capabilities as the middle stage of the system.

The 2020 Interim Report of China Merchants Bank pointed out that China Merchants Bank will accelerate the iterative development of its customer relationship management system (CRM), and use the CRM system as a medium- and Taiwan-based capability precipitation carrier to form a customer information center, information case center, business processing center, marketing support center and a series of scenarios. Five core functions such as the team building center.

The CRM4.0 system is a key platform for the transformation of the “China Merchants Bank” financial business model. It is a smart marketing platform and a digital operation platform based on the business system, as well as a customer service system and a customer manager management system platform.

smart robot

China Merchants Bank relies on big data and artificial intelligence to create intelligent service robots, traffic distribution decision-making robots, intelligent agent assistant robots, service analysis robots, quality inspection robots, etc., covering user insights, traffic distribution, service interaction, demand re-excavation, management improvement, etc. Five modules, and moved the call center to the Pocket Life App to provide users with audio-visual multimedia interactive services, which has achieved the upgrade of service efficiency and user experience.

In June 2020, Tian Huiyu pointed out that China Merchants Bank relies on big data and artificial intelligence to create a large number of intelligent service robots. The cost of robots used for retail credit collection is 1/10 of labor, and the output is 9 times that of labor. The above is to increase production capacity.

RPA (Robot Process Automation)

As of October 2020, the financial industry accounted for the highest proportion of domestic RPA companies at 54.55%, of which 77.78% of financial institutions are banks. Among them, Shanghai Pudong Development Bank and China Merchants Bank were the first banks to use RPA. They were the first to introduce RPA technology in the domestic financial industry in 2016 and 2017, respectively, in order to improve the level of operation automation. The effect is very impressive.

In December 2018, China Merchants Bank used intelligent robots to participate in business processing in the new version of its online custody banking system, which was the first to realize the application of RPA technology in the asset custody field.

In 2020, China Merchants Bank has innovatively integrated the RPA shared pool technology on the basis of the original CBS7.0 platform, and launched CBS-RPA, which can quickly help companies build a complete treasury management system, build a comprehensive treasury management system, and solve treasury management Problems and perplexities. The product became very popular after it was launched, and it has been successfully launched in nearly ten large group companies across the country within only half a year of its launch.

In the 2020 interim report, China Merchants Bank pointed out that it applied RPA, OCR and NLP (natural language processing) and other financial technology technologies in 24 middle and back-office scenarios including verification, entry, and consulting. During the reporting period, the number of alternative businesses reached 11.64 million. .

Tian Huiyu, President of China Merchants Bank, said: RPA uses machines to replace simple outsourcing, which saves a lot of costs.

cloud computing

At the end of 2019, the total number of X86 server deployments of China Merchants Bank increased by 60.67% year-on-year. The new generation of PaaS (Platform as a Service) platform expanded its use, and the proportion of the bank’s applications on the cloud reached 44%.

At the same time, China Merchants Bank continues to enhance its open banking capabilities. The “Open API Platform” for unified external services across the bank supports the safe and fast output of APIs, serving financial payment, AI, smart parking, smart medical and other scenarios, and empowering 629 cooperative enterprises. In terms of big data + AI, the big data cloud platform was upgraded, the overall capacity of the data lake was increased to 9.8PB, and the data entering the lake increased by 68% year-on-year.

Based on the integration of internal and external data, China Merchants Bank has increased the research and application of AI technology, built three AI cloud services of intelligent customer service, risk public opinion, and computer vision, and launched three major AI solutions for knowledge management, digital marketing, and risk management to support business The development of intelligence.

The 2020 mid-term report pointed out that China Merchants Bank will establish a large-scale digital infrastructure based on cloud computing technology, promote the construction of a native cloud that is more convenient for rapid construction, expansion, openness and iteration of systems and applications, and support the safe access of new applications from the head office and branches to the cloud .

As of mid-2020, China Merchants Bank has 4,015 native cloud servers, an increase of 100% over the end of the previous year; the scale of native cloud storage is 29.18PB, an increase of 92% over the end of the previous year; the number of native cloud containers is 69,080, an increase of 121% over the end of the previous year.

database

On November 27, 2017, China Merchants Bank and Huawei established a joint innovation laboratory for distributed databases to jointly develop independent and controllable financial-grade distributed database products.

In this joint creation project, China Merchants Bank mainly does three things: first, to provide advanced financial business scenarios; second, based on so many years of advanced experience in database use and operation and maintenance of China Merchants Bank, it proposes a solution for the joint creation of distributed databases. Specific requirements; third, for the key components of the Lianchuang database, such as the kernel and high-availability architecture, deeply participate in the entire link from design, coding, testing to final production. Huawei, on the other hand, has a large amount of technology accumulation in the database field, and is mainly responsible for the realization of product development and the promotion of future marketization.

After initial contact and cooperation, China Merchants Bank and Huawei conducted a pilot database application in 2018.

In the 2019 annual report, China Merchants Bank pointed out the establishment of the Kunpeng Computing Joint Innovation Laboratory and the Load Balancing Joint Innovation Laboratory to accelerate the implementation of the research results of the distributed database joint innovation laboratory.

Biometrics

As the leading brand of commercial banks, China Merchants Bank focuses on internal risk control and payment security, combined with cutting-edge technologies such as big data, cloud computing, and artificial intelligence, and continuously upgrades the risk control system, creates smart risk control, and creates convenience and efficiency for consumers. Safe and assured customer experience.

In order to strengthen the bank’s internal security management, increase the efficiency of the banking system’s authorization, and enhance the counter business risk prevention capabilities, China Merchants Bank introduced the fingerprint recognition algorithm and smart terminals of Eyes Technology as early as 2009, which were applied to the counters and smart branches of China Merchants Bank. And in mobile marketing, it has realized intelligent risk control and cost reduction and efficiency enhancement, helping China Merchants Bank to provide consumers with intelligent, convenient and safe financial services with user experience as the core, and add to the good life of users.

Blockchain

As early as 2018, China Merchants Bank issued the country’s first financial industry blockchain electronic invoice.

At the end of 2019, China Merchants Bank improved and developed the standard branch chain and BaaS (blockchain as a service) platform ecology, with a total of 25 applications.

In the 2020 mid-term report, China Merchants Bank pointed out that it is improving and developing the open permission chain and blockchain as a service (BaaS) platform. It has been developing the continuous application of blockchain and business integration in scenarios such as supply chain finance and merchant fund clearing. explore.

Online payment

In the 2019 annual report, China Merchants Bank pointed out that it will realize ecological operation with the industrial Internet as the key link. Focusing on the three major directions of account and payment system digitization, digital financing, and financial technology capability output, the industry chain is opened up, and the unified payment and settlement system is innovated to realize the collection and settlement function and the internal account settlement mode of the B2B platform.

At the end of 2019, China Merchants Bank’s comprehensive settlement solution “Cloud Bills” has provided services to 5,766 corporate customers, with a transaction volume of 287.271 billion yuan; the aggregate collection business focuses on insurance, medicine, education, and FMCG four scenarios, and the number of transactions Reached 502 million transactions, with a transaction value of 146.647 billion yuan, a year-on-year increase of 267.51%.

The “Three Times” of China Merchants Bank

China Merchants Bank started from Shekou, Shenzhen, and has been crowned as the “King of Retailing” in the banking industry for 40 years of ups and downs. Along the way, it is inseparable from the three presidents’ keen insight into market changes and their strong courage to actively reform.

Wang Shizhen He was the first president of China Merchants Bank and served for 14 years. Under his leadership, China Merchants Bank evolved from a wholly-owned bank of China Merchants into a standard joint-stock commercial bank, and gradually got rid of the restrictions of regional banks, and basically formed a national commercial bank. Pattern.

Wang Shizhen and other leaders also made the decision to quickly establish a computer system for China Merchants Bank, and set a clear mid-term goal: to complete the computerization of basic business processing within three years, and to complete the computerization of all business processing within five years. This has laid a good foundation for China Merchants Bank to carry out digital transformation in the future.

Year 1999, Ma Weihua He took over as the president of China Merchants Bank and fully started the construction of China Merchants Bank’s online banking after taking office, becoming the first commercial bank in China with online financial services. The opening of China Merchants Bank’s online banking became the starting point for its retail business.

In 2010, after realizing that the profit growth achieved by large-scale capital consumption and profit margins in the past was difficult to sustain, Ma Weihua led China Merchants Bank to implement the goals of reducing capital consumption, increasing loan pricing, and controlling financial costs. “Secondary transformation”. Like Wang Shizhen, Ma Weihua has also been at the helm of China Merchants Bank for 14 years.

year 2013, Tian Huiyu Taking over as the president of China Merchants Bank, China Merchants Bank has ushered in a new era in which it is fully embarking on the road of “finan-tech banking”.

Under the leadership of Tian Huiyu, China Merchants Bank proposed “mobile first” in 2015, consciously using APP as its main business position.

In 2016, China Merchants Bank mentioned fintech in its annual report for the first time, proposing that the bank’s “premature power” must be used to advance its fintech strategy, and in its 17-year report, it proposed to be a “finan-tech bank”.

Under the leadership of Tian Huiyu and other leaders of China Merchants Bank, at the end of 2019, China Merchants Bank invested 9.361 billion yuan in information technology, a year-on-year increase of 43.97%, which is 3.72% of the company’s operating income.

China Merchants Bank attaches great importance to science and technology investment, and its investment in information technology has far exceeded that of most banks over the years. Public information shows that the annual financial technology budget of China Merchants Bank is determined at 3.5% of the previous year’s revenue.

Recently, Tian Huiyu said in an interview that China Merchants Bank’s investment in information technology has reached 12 billion yuan in 2020. Based on this figure, Leifeng.com calculates that China Merchants Bank’s IT investment will account for more than 4% of the company’s operating income in 2020.

The annual report shows that in 2020, CITIC Bank invested 6.926 billion yuan in science and technology, an increase of 24.43% year-on-year; the number of science and technology personnel in CITIC Bank has quadrupled in two years to 4190.

With the increasing investment in technology, the achievements of China CITIC Bank’s digital transformation are gradually emerging:

China CITIC Bank and its peers have established a large-scale blockchain cooperation ecology among domestic banks, and the cumulative transaction volume of the blockchain trade finance platform has exceeded 10 billion yuan

China CITIC Bank successfully put into production the first independent distributed core system of domestic medium and large banks-Lingyun Engineering

China CITIC Bank has nearly 800 application scenarios for intelligent robots (RPA), the branch application coverage rate exceeds 80%, and the average business operation efficiency has increased by more than 20%.

On March 15th, Li Qingping, who has a “financial iron lady”, resigned as chairman of China CITIC Bank, and Zhu Hexin, who was the former vice governor of finance, took over. Zhu Hexin is an “old Bank of Communications” with more than 20 years of experience in the financial industry. Under his leadership, CITIC Bank’s layout in the field of financial technology may undergo major changes.

Build a digital CITIC Bank

China CITIC Bank, founded in 1987 and headquartered in Beijing, is one of the nationwide commercial banks. Its total assets exceed 7 trillion yuan and the number of employees is nearly 60,000.

In the “Top 100 Chinese Banking Industry 2020” released by the China Banking Association, CITIC Bank ranked 11th according to the ranking of core Tier 1 capital. In this ranking, China CITIC Bank surpasses China Everbright Bank and is second only to Minsheng Bank.

CITIC Bank, like CITIC Securities, CITIC Construction Investment Securities, CITIC Trust, CITIC Prudential Life and other companies, is one of the subsidiaries of CITIC Group.

In 2020, China CITIC Bank, together with other CITIC Group subsidiaries, provided customers with a combined financing scale of 107.82 billion yuan, a year-on-year increase of 68%, breaking the “one trillion” mark for the first time.

On March 25, China CITIC Bank Co., Ltd. released its 2020 annual performance report. The report shows that China CITIC Bank will achieve revenue of 194.731 billion yuan in 2020, a year-on-year increase of 3.81%.

In recent years, China CITIC Bank has continuously increased its investment in financial technology.

In 2020, CITIC Bank invested nearly 7 billion yuan in technology, an increase of 24% over the previous year, and technology investment accounted for 3.56% of operating income.

As of the end of 2020, CITIC Bank has 4190 scientific and technical personnel (excluding subsidiaries), a year-on-year increase of 31.68%, and CITIC Bank’s scientific and technical personnel accounted for 7.60%.

The number of scientific and technological personnel in CITIC Bank has quadrupled in two years, which is also a supplement to the upcoming larger-scale digital transformation.

At the beginning of this year, China CITIC Bank released a new three-year development plan, proposing to use high-tech as the engine and high-quality development as the theme to strengthen the development of light and intensive.

In order to achieve high-quality development goals, The financial technology structure of China CITIC Bank has been adjusted to “three committees, two departments, and two centers” . Compared with 2019, China CITIC Bank has added a new data management committee to its 2020 annual report.

At the same time, China CITIC Bank also proposed the implementation path of “one reform, two transformations and three challenges”. In response, China CITIC Bank proposed to accelerate digital transformation and light capital transformation.

In terms of ecological scenario layout and corporate cooperation, China CITIC Bank has jointly built more than 5,500 scenarios with hundreds of partners such as UnionPay, Didi, JD.com, etc., serving 5.2 million users and accumulating 390 million capital transactions.

In cooperation with artificial intelligence-related applications, China CITIC Bank has launched cooperation with the three Internet giants of BAT, and other well-known artificial intelligence application technology manufacturers such as Megvii, HKUST Xunfei, Tongdun and Bangsheng, enriching itself in various fields. Artificial intelligence applications on business lines.

CITIC Bank AI combat

Artificial intelligence platform

As early as 2017, the artificial intelligence platform “CITIC Brain” independently developed by China CITIC Bank was fully launched.

In 2018, “CITIC Brain” initially has the ability to provide intelligent services for retail, corporate, custody, and compliance.

In 2020, with the “CITIC Brain” as the main engine, CITIC Bank will build an “AI Model Center” and an “AI Efficiency Center”, implement 307 “AI + data” precision models, and serve more than 10 million customers intelligently in real time.

Among them, wealth management AI intelligent recommendation achieved online sales of 232.65 billion yuan, landing strategic customer equity chain applications, and increasing management assets by more than 52.2 billion yuan.

Intelligent risk control

The 2020 annual report shows that China CITIC Bank has accelerated the practice of intelligent risk control, independently developed real-time intelligent anti-fraud and anti-money laundering systems, with an accuracy rate of 90% for real-time transaction monitoring and interception, and offline risk control screening and intercepting more than 17,000 risk events.

The bank’s credit card center uses big data, machine learning, cloud computing and other intelligent technologies to introduce multi-dimensional new data to enrich customer risk profiles. In 2020, a total of 26 full-process credit risk scoring cards will be iteratively optimized, effectively improving the ability of risk control and precise policy implementation; Through machine learning algorithms, it has achieved a new breakthrough in more efficient and accurate risk decision-making capabilities, and realized a 20% increase in transaction amount.

In 2018, China CITIC Bank and Bangsheng Technology reached a cooperation in the construction of risk control and anti-fraud, and contributed to the upgrade of CITIC Bank’s intelligent real-time risk control system.

In the same year, China CITIC Bank also reached a cooperation with Tongdun Technology. Tongdun Technology provides smart risk control middle-office services for China CITIC Bank Credit Card Center.

Smart marketing

According to the 2020 annual report, China CITIC Bank expanded its new customers by 12,800 new customers by increasing digital marketing and using the chain-based customer acquisition and product customer acquisition model, driving a deposit growth of 53.9 billion yuan.

In addition, CITIC Bank has also actively developed a retail business system, which has boosted the scale of assets by nearly 200 billion yuan, and the AI ​​smart recommendation for wealth management has achieved CITIC Bank’s online sales scale of more than 230 billion yuan.

In 2017, China CITIC Bank cooperated with Suoxinda Holdings, a global financial AI big data and integrated intelligent marketing solution manufacturer, and introduced Suoxinda AI, big data and other leading technologies and end-to-end digital intelligent marketing overall solutions to comprehensively build CITIC Bank Leading digital marketing system.

Smart Customer Service

In October 2018, China CITIC Bank Mobile Banking launched an intelligent voice service product to help visually impaired users experience barrier-free mobile financial services.

With the support of Tencent Cloud’s intelligent voice and semantic understanding technology, China CITIC Bank’s mobile banking intelligent voice service has achieved rapid upgrades.

With the help of intelligent voice technology, CITIC Bank’s customer service robots can meet the needs of scenarios such as question and answer, transfer tasks, account query tasks, financial tasks, small chats, etc., and provide solutions for complex financial transaction scenarios.

In the same year, China CITIC Bank also cooperated with HKUST iFLYTEK in intelligent customer service.

Robo-advisor

CITIC Bank’s robo-advisory product-“Xinzhitou”, on the basis of agency fund sales, integrates technologies such as big data analysis and quantitative financial models.

“Xinzhi Investment” analyzes the customer’s investment pain points from the three stages of pre-investment, investment, and post-investment, and provides customers with a complete set of fund investment solutions based on the customer’s profile and target risk strategy.

Lu Tiangui, the current business director of CITIC Bank, once introduced the three highlights of Xinzhi Investment in 2018:

One is to intelligently match target risks and simulated returns based on the customer’s risk assessment results, and recommend the most suitable product combination. According to reports, Xinzhi Investment has built an intelligent risk assessment model based on multi-dimensional data analysis of more than 2 million customers.

Second, Xinzhi Investment not only has forward-looking market analysis by investment research experts and professional research on underlying products, but also uses big data, investment models, and intelligent algorithms to make up for the lack of human computing power.

Third, the user experience is convenient. CITIC Bank searches for the optimal combination from more than 4,000 funds, and directly pushes the recommended asset allocation combination to users. Users make decisions, purchase with one click, and enjoy follow-up services. Experts continue to track the macro market and Bottom product situation.

Core system

In 2020, China CITIC Bank successfully put into production the first autonomous distributed core system (Lingyun Project) of domestic medium and large banks.

As the first to be put into production in China, the new generation of cloud-based credit card core system with independent intellectual property rights-the new core system of China CITIC Bank Credit Card StarCard, will be the first anniversary of stable operation in 2020.

The data shows that StarCard has successfully carried the operation and management of 110 million accounts. The peak transaction value is as high as 4,500 transactions per second, which is more than three times that of the original system. The average transaction response time is only 36 milliseconds, which is effective for satisfying, membership days, rush to buy, and marketing. Activities, Double Eleven Shopping Festival and other high-frequency trading application scenarios.

At the same time, the bank’s credit card center has steadily promoted the construction of the second phase of the upgrade of the new core system of StarCard, and has completed 30 planned subprojects of the second phase, and implemented “second-level” real-time and intelligent data business scenario services.

Blockchain

The 2020 annual report shows that the China CITIC Bank blockchain platform is the first to pass 5 credible evaluations of the China Academy of Information and Communications Technology at one time. The blockchain forfaiting trading platform has been recognized by the People’s Bank of China and upgraded to a national industry platform.

The blockchain forfaiting trading platform is a large-scale blockchain cooperation ecosystem between domestic banks established by China CITIC Bank and its peers.

At present, the cumulative transaction volume of the blockchain trade finance platform has exceeded 10 billion yuan.

cloud computing

In 2017, China CITIC Bank launched an ecological financial cloud platform. It is understood that the cloud platform is operated by financial institutions, technology companies, professional institutions, regulatory agencies, etc., in accordance with the mechanism of division of labor.

In the 2018 annual report, 53% of CITIC Bank’s applications have been migrated to the cloud platform, and the system deployment efficiency has increased by more than 20%.

In the 2020 annual report, the overall cloudification rate of China CITIC Bank’s infrastructure reached 96.71%, and the infrastructure resources have T+1 day delivery capabilities.

At present, China CITIC Bank pointed out that it has completed the first stage of production of the bank-level data lake, and the basic data platform of “one lake, one database” has been basically completed, and the overall processing performance has increased by more than 50%.

RPA (Intelligent Robot)

In 2019, Daguan Data won the bid for the AI ​​project of CITIC Bank Credit Card Center to provide it with RPA products and technical services.

The 2020 annual report shows that there are nearly 800 application scenarios for CITIC Bank’s intelligent robot (RPA), the branch application coverage rate exceeds 80%, and the average business operation efficiency has increased by more than 20%.

With online processes, mobile approvals, and intelligent customer identification, China CITIC Bank has shortened the time it takes to open public accounts by approximately 30%.

Biometrics

In terms of fingerprint recognition, China CITIC Bank and Lenovo Venture Capital Group’s subsidiary “National Authentication” reached a cooperation in 2018 to deploy a fingerprint login function module in the new version of mobile banking 4.0. Users only need to turn on the fingerprint login function to experience extreme speed Easy and quick to log in.

In the direction of face recognition, China CITIC Bank applied Megvii Technology’s face core product in 2018.

mobile bank

In the construction of mobile banking, China CITIC Bank is speeding up the construction of a multi-application ecological network with mobile banking as the main operating position and small programs as light touch points.

The dual APP of China CITIC Bank’s mobile banking and mobile card space is upgraded to version 7.0, and realizes interconnection; mobile banking APP 7.0 realizes the version switching that changes according to the customer, and on the basis of the popular standard version, it covers overseas finance, the elderly, and private banks. Five characteristic customer groups, small and micro, and foreign, provide personalized and exclusive services.

In the first half of 2020, China CITIC Bank has 10.85 million monthly active mobile banking (MAU) accounts, a year-on-year increase of 17%, and China CITIC Bank’s credit card APP “Moving Card Space” has 13.24 million monthly active users (MAU), an increase of 12% year-on-year.

As of the end of 2020, China CITIC Bank has 26.155 million online monthly active users, of which mobile banking APP transaction amount has increased by 20.66% over the previous year, and the replacement rate of e-banking transactions has reached 99.54%.

In terms of channel co-building, China CITIC Bank has also continued to strengthen online service integration. The mobile banking APP successfully launched the online business hall services of CITIC Securities and China Securities Construction Investment Securities, and jointly launched the CITIC Academy function with CITIC Publishing Group.

President Fang Heying: Build a first-class technology-based bank

At present, the senior management organization structure of China CITIC Bank presents a pattern of six presidents with “one director and five associates”.

On the evening of March 15, Li Qingping, the former chairman of China CITIC Bank, handed in her resignation. At the same time, the board of directors has elected the chairman of CITIC Group Zhu Hexin as the chairman of the bank, and the president of China CITIC Bank Fang Heying as the vice chairman.

Among them, President Fang Heying is a 25-year veteran of China CITIC Bank.

Since 1996, Fang Heying has worked at China CITIC Bank, where he has served as the bank’s financial market business director, Hangzhou branch president, and Suzhou branch president.

Now 55, he addressed the shareholders on behalf of China CITIC Bank in the 2020 China CITIC Bank Annual Report just released.

Looking forward to the next three years, Fang Heying stated in the annual report president’s speech that he will continue to increase investment in science and technology. Accelerate the digital transformation and build China CITIC Bank into a “first-class technology bank” , Through the same direction of technology and business, to drive more innovation and bring about greater changes.

At the level of financial technology, Lv Tiangui, the business director of CITIC Bank and the proposed vice president, also said in response to a question from a reporter from the Economic Information Daily that the goal of CITIC Bank is to build two major platforms in technology and data within three to five years. “Support and promote the transformation of the bank’s operation and management from informatization and digitization to intelligence, forming an agile + intelligent innovation system, and becoming a first-class technology-driven bank.”

Lu Tiangui also said that digital transformation has now been upgraded to a bank-wide strategy to promote the entire process of systematic changes from technology application, model innovation, process reengineering to organizational remodeling, and promote the improvement of the bank’s governance system and the improvement of governance capabilities.

Tian Huiyu attaches great importance to the development of financial technology. In the more than 2,000 words of the “President’s Address” in the China Merchants Bank’s 2019 annual report, he mentioned a total of 6 “technology”, 9 “transformation”, and 14 “digitalization”.

Since taking office in 2013, Tian Huiyu has been pushing China Merchants Bank to “run wildly” on the road of technology.

“We have made a clear-cut proposal to build a financial technology bank, and take the exploration of digital business models as the main direction of the second half of the transformation.” Tian Huiyu said in the 2019 annual report.

Thanks to the efforts of Tian Huiyu and other people from China Merchants Bank, China Merchants Bank’s “technological strength” has been at the forefront of the industry.

• At the end of 2019, CMB’s investment in information technology was 9.361 billion yuan, an increase of 43.97% year-on-year, which was 3.72% of the company’s operating income; in 2020, CMB’s investment in information technology reached 12 billion yuan
• In December 2020, China Merchants Bank and JD.com jointly won the second direct banking license in China. China Merchants Topology Bank will fully adopt an online business model and explore new forms of banking in the future
• As of January 10, 2021, the CMB App has accumulated 145 million users and 60.25 million monthly active users

The emergence of the epidemic will bring more complicated situations and tests to banks in 2020, and China Merchants Bank’s performance last year was relatively stable. According to the performance bulletin published on January 14, China Merchants Bank achieved operating income of 290.508 billion yuan in 2020, an increase of 20.805 billion yuan, or 7.71%, over the same period last year.

Recently, Tian Huiyu also said in an interview with a reporter from the Financial Times that the epidemic has isolated physical contact between people, but thanks to a higher level of digital service system, the relationship between China Merchants Bank and its customers has become closer. It also strengthened China Merchants Bank’s determination to promote digital transformation.

Create “Digital Merchants Bank”

China Merchants Bank, founded in 1987 and headquartered in Shenzhen, China, is the first joint-stock commercial bank in China that is wholly owned by a corporate legal person.

China Merchants Bank adheres to the strategic direction of “light banking” and the strategic positioning of “one body and two wings”.

“Light Bank” The strategic direction of China Merchants Bank requires light management, light assets, light business model, etc. For example, light management refers to a light organization structure, which is manifested in the head office and branches going hand in hand; light asset refers to less asset consumption and more controllable risks. At present, China Merchants Bank and ICBC have joined the ranks of light banks. In its annual report, China Merchants Bank pointed out that it is necessary to closely focus on the transformation direction of “light banking” and strive to achieve a breakthrough in the qualitative change of financial technology banks.

At the same time, China Merchants Bank also insisted “One body and two wings” Strategic positioning, Retail “One” takes MAU as “North Star” (North Star is the most important direction, and all indicators serve this indicator) , Wholesale “Two Wings” take specialization as the direction, focus on building wholesale business systemization capabilities, and accelerate the advancement of digital transformation.

With MAU as the most important indicator, the number of APP users of China Merchants Bank continues to rise. At the end of 2019, the cumulative number of CMB App users exceeded 100 million; in mid-2020, the cumulative number of CMB App users reached 129 million; as of January 10, 2021, the cumulative number of CMB App users had reached 145 million. The number of active users is 60.25 million.

China Merchants Bank also directly pointed out that it must pass Benchmarking financial technology companies , Vigorously carry out the construction of financial technology banks, use financial technology as the nuclear power of transformation and development, and fully empower business development .

Currently, China Merchants Bank has built three software centers in Shenzhen, Hangzhou, and Chengdu, and two data centers in Shenzhen and Shanghai to support the business development of the entire bank.

China Merchants Bank’s “AI Actual Combat”

Digital risk control

China Merchants Bank’s intelligent risk control platform “Libra System” covers online and offline transaction channels, and can intercept telecom fraud in real time.

As of the end of 2019, the “Libra System” can intercept suspected fraudulent transactions within 30 milliseconds, reduce the proportion of counterfeit and embezzled amounts of non-cardholders to five ten million, and help customers intercept 27,900 telecommunications fraud transactions. The interception amounted to 493 million yuan, which provided a strong guarantee for the safety of customer funds.

As of mid-2020, China Merchants Bank has reached 75.60% of the early warning accuracy of potential risky corporate customers; it has helped customers intercept 80,000 telecommunications fraud transactions, with an intercepted amount of more than 1.8 billion yuan, which provides a strong guarantee for the safety of customer funds.

Now, the intelligent risk control platform “Libra System” can intercept most suspected fraudulent transactions within 20 milliseconds, reducing the proportion of counterfeit and embezzled amounts by non-cardholders to six ten millionths.

In addition, in terms of external cooperation, China Merchants Bank is also actively cooperating with digital technology companies such as Huawei, Tencent, and Suoxinda.

According to an article published on Huawei’s official website in 2018, after the China Merchants Bank credit card unified risk control platform based on Huawei’s FusionInsight big data solution was launched, the number of risk cases was reduced by 50%, and the loss in half a year was reduced by more than 100 million yuan. The credit card issuance time has been reduced from about 15 days. Shorten it to 5 minutes.

In November 2017, Tencent and China Merchants Bank formally signed a cooperation agreement to reach a cooperation in the field of financial big data anti-fraud: Tencent Financial Cloud and Tencent Security Anti-fraud Laboratory opened up anti-fraud capabilities to China Merchants Bank through AI technology to help China Merchants Bank Better identify fraud in financial services and jointly build a financial security ecosystem.

According to news in April 2020, Tencent and China Merchants Bank jointly launched the “Lingshield Plan” to create a new model of anti-fraud through technology.

Digital marketing

In the field of intelligent marketing, the characteristics of China Merchants Bank are personalized recommendation, precise identification and electronic channel construction.

Beginning in 2015, China Merchants Bank has cooperated with Suoxinda Holdings, a global financial AI big data and integrated intelligent marketing solution manufacturer, from the customer group marketing stage 1.0, to the personalized marketing stage 2.0, to the real-time marketing 3.0 stage, to AI Marketing 4.0 stage, comprehensively build China Merchants Bank’s leading digital smart marketing system. It is reported that through the generation of 1,726 customer portrait tags for retail customers, the number of marketing customer contacts has increased by 6.56 times, the marketing success rate has reached 17.42%, and the personalized recommendation of “thousands of people” has begun.

Digital Customer Service

In 2016, under the technological wave of AI + big data, China Merchants Bank’s credit card service started the application of intelligent services with the palm life app as the core, from AR customer service, to AI-core intelligent customer service, and then to small recruitment assistants. Every new technology exploration and application has brought users a better interactive experience, and has become a more personalized and portable intelligent assistant for users step by step.

At present, the “Xiao Zhao Miao Smart Assistant” launched by CMB Credit Card on the Pocket Life App uses AI technologies such as voice conversion and semantic recognition to perform intelligent intent analysis of natural language, making the service “visible” and “heard” “. At the same time, the intelligent voice navigation function is implanted in the telephone voice IVR, the recognition accuracy rate reaches 94%, and the interaction volume is nearly 80,000. In addition to voice recognition technology, face recognition has also been used in the image, which greatly shortens the security authentication time.

In 2020, an interim report issued by China Merchants Bank pointed out that the automatic response accuracy rate of China Merchants Bank’s intelligent customer service reached 96.7%.

Digital investment advisory

In 2016, China Merchants Bank launched a robo-advisory service-“Capricorn Intelligent Investment”, which is also the first domestic commercial bank to launch robo-advisory services.

“Capricorn Smart Investment” mainly uses machine learning algorithms to incorporate more than ten years of wealth management experience of China Merchants Bank, and builds an asset allocation portfolio based on public funds, so as to achieve the purpose of diversifying investment risks with investors.

In 2018 alone, the cumulative sales scale of CMB Capricorn Smart Investment reached 12.233 billion.

Digital Middle Office

In the 2019 annual report, China Merchants Bank pointed out that it will build a unified digital middle-station for enterprises-China Merchants Bank’s open platform, explore the transformation of business models supported by standardized and modular services, and quickly respond to customer needs.

Prior to this, Leifeng.com (Public Account: Leifeng.com) had reported on China Merchants Bank’s data center in detail. For example, China Merchants Bank has built a middle-office system for customer acquisition and operation across the entire chain, such as the Rubik’s Cube activity operating platform and the red envelope platform. Like the Rubik’s Cube event platform, branches can quickly configure an online event within 5 minutes and reach target users through the China Merchants Bank App.

China Merchants Bank also proposed Strengthen the construction of data center and promote data connection. Strengthen data governance, improve the convenience and ease of use of data, build a data application tool platform, and lower the threshold of data application. Promote the integration and opening of the system, open up the work flow and information flow of each system, and realize one entrance to the whole line. Decoupling the system with open thinking, micro-service and productization of functional modules, Precipitate various general capabilities as the middle stage of the system.

The 2020 Interim Report of China Merchants Bank pointed out that China Merchants Bank will accelerate the iterative development of its customer relationship management system (CRM), and use the CRM system as a medium- and Taiwan-based capability precipitation carrier to form a customer information center, information case center, business processing center, marketing support center and a series of scenarios. Five core functions such as the team building center.

The CRM4.0 system is a key platform for the transformation of the “China Merchants Bank” financial business model. It is a smart marketing platform and a digital operation platform based on the business system, as well as a customer service system and a customer manager management system platform.

smart robot

China Merchants Bank relies on big data and artificial intelligence to create intelligent service robots, traffic distribution decision-making robots, intelligent agent assistant robots, service analysis robots, quality inspection robots, etc., covering user insights, traffic distribution, service interaction, demand re-excavation, management improvement, etc. Five modules, and moved the call center to the Pocket Life App to provide users with audio-visual multimedia interactive services, which has achieved the upgrade of service efficiency and user experience.

In June 2020, Tian Huiyu pointed out that China Merchants Bank relies on big data and artificial intelligence to create a large number of intelligent service robots. The cost of robots used for retail credit collection is 1/10 of labor, and the output is 9 times that of labor. The above is to increase production capacity.

RPA (Robot Process Automation)

As of October 2020, the financial industry accounted for the highest proportion of domestic RPA companies at 54.55%, of which 77.78% of financial institutions are banks. Among them, Shanghai Pudong Development Bank and China Merchants Bank were the first banks to use RPA. They were the first to introduce RPA technology in the domestic financial industry in 2016 and 2017, respectively, in order to improve the level of operation automation. The effect is very impressive.

In December 2018, China Merchants Bank used intelligent robots to participate in business processing in the new version of its online custody banking system, which was the first to realize the application of RPA technology in the asset custody field.

In 2020, China Merchants Bank has innovatively integrated the RPA shared pool technology on the basis of the original CBS7.0 platform, and launched CBS-RPA, which can quickly help companies build a complete treasury management system, build a comprehensive treasury management system, and solve treasury management Problems and perplexities. The product became very popular after it was launched, and it has been successfully launched in nearly ten large group companies across the country within only half a year of its launch.

In the 2020 interim report, China Merchants Bank pointed out that it applied RPA, OCR and NLP (natural language processing) and other financial technology technologies in 24 middle and back-office scenarios including verification, entry, and consulting. During the reporting period, the number of alternative businesses reached 11.64 million. .

Tian Huiyu, President of China Merchants Bank, said: RPA uses machines to replace simple outsourcing, which saves a lot of costs.

cloud computing

At the end of 2019, the total number of X86 server deployments of China Merchants Bank increased by 60.67% year-on-year. The new generation of PaaS (Platform as a Service) platform expanded its use, and the proportion of applications on the cloud in the bank reached 44%.

At the same time, China Merchants Bank continues to enhance its open banking capabilities. The “Open API Platform” for unified external services across the bank supports the safe and fast output of APIs, serving financial payment, AI, smart parking, smart medical and other scenarios, and empowering 629 cooperative enterprises. In terms of big data + AI, the big data cloud platform was upgraded, the overall capacity of the data lake was increased to 9.8PB, and the data entering the lake increased by 68% year-on-year.

Based on the integration of internal and external data, China Merchants Bank has increased the research and application of AI technology, built three AI cloud services of intelligent customer service, risk public opinion, and computer vision, and launched three major AI solutions for knowledge management, digital marketing, and risk management to support business The development of intelligence.

The 2020 mid-term report pointed out that China Merchants Bank will establish a large-scale digital infrastructure based on cloud computing technology, promote the construction of a native cloud that is more convenient for rapid construction, expansion, openness and iteration of systems and applications, and support the safe access of new applications from the head office and branches to the cloud .

As of mid-2020, China Merchants Bank has 4,015 native cloud servers, an increase of 100% over the end of the previous year; the scale of native cloud storage is 29.18PB, an increase of 92% over the end of the previous year; the number of native cloud containers is 69,080, an increase of 121% over the end of the previous year.

database

On November 27, 2017, China Merchants Bank and Huawei established a joint innovation laboratory for distributed databases to jointly develop independent and controllable financial-grade distributed database products.

In this joint creation project, China Merchants Bank mainly does three things: first, to provide advanced financial business scenarios; second, based on so many years of advanced experience in database use and operation and maintenance of China Merchants Bank, it proposes a solution for the joint creation of distributed databases. Specific requirements; third, for the key components of the Lianchuang database, such as the kernel and high-availability architecture, deeply participate in the entire link from design, coding, testing to final production. Huawei, on the other hand, has a large amount of technology accumulation in the database field, and is mainly responsible for the realization of product development and the promotion of future marketization.

After initial contact and cooperation, China Merchants Bank and Huawei conducted a pilot database application in 2018.

In the 2019 annual report, China Merchants Bank pointed out the establishment of the Kunpeng Computing Joint Innovation Laboratory and the Load Balancing Joint Innovation Laboratory to accelerate the implementation of the research results of the distributed database joint innovation laboratory.

Biometrics

As the leading brand of commercial banks, China Merchants Bank focuses on internal risk control and payment security, combined with cutting-edge technologies such as big data, cloud computing, and artificial intelligence, and continuously upgrades the risk control system, creates smart risk control, and creates convenience and efficiency for consumers. Safe and assured customer experience.

In order to strengthen the bank’s internal security management, increase the efficiency of the banking system’s authorization, and enhance the counter business risk prevention capabilities, China Merchants Bank introduced the fingerprint recognition algorithm and smart terminals of Eyes Technology as early as 2009, which were applied to the counters and smart branches of China Merchants Bank. And in mobile marketing, it has realized intelligent risk control and cost reduction and efficiency enhancement, helping China Merchants Bank to provide consumers with intelligent, convenient and safe financial services with user experience as the core, and add to the good life of users.

Blockchain

As early as 2018, China Merchants Bank issued the country’s first financial industry blockchain electronic invoice.

At the end of 2019, China Merchants Bank improved and developed the standard branch chain and BaaS (blockchain as a service) platform ecology, with a total of 25 applications.

In the 2020 mid-term report, China Merchants Bank pointed out that it is improving and developing the open permission chain and blockchain as a service (BaaS) platform. It has been developing the continuous application of blockchain and business integration in scenarios such as supply chain finance and merchant fund clearing. explore.

Online payment

In the 2019 annual report, China Merchants Bank pointed out that it will realize ecological operation with the industrial Internet as the key link. Focusing on the three major directions of account and payment system digitization, digital financing, and financial technology capability output, the industry chain is opened up, and the unified payment and settlement system is innovated to realize the collection and settlement function and the internal account settlement mode of the B2B platform.

At the end of 2019, China Merchants Bank’s comprehensive settlement solution “Cloud Bills” has provided services to 5,766 corporate customers, with a transaction volume of 287.271 billion yuan; the aggregate collection business focuses on insurance, medicine, education, and FMCG four scenarios, and the number of transactions Reached 502 million transactions, with a transaction value of 146.647 billion yuan, a year-on-year increase of 267.51%.

The “Three Times” of China Merchants Bank

China Merchants Bank started from Shekou, Shenzhen, and has been crowned as the “King of Retailing” in the banking industry for 40 years of ups and downs. Along the way, it is inseparable from the three presidents’ keen insight into market changes and their strong courage to actively reform.

Wang Shizhen He was the first president of China Merchants Bank and served for 14 years. Under his leadership, China Merchants Bank evolved from a wholly-owned bank of China Merchants into a standard joint-stock commercial bank, and gradually got rid of the restrictions of regional banks, and basically formed a national commercial bank. Pattern.

Wang Shizhen and other leaders also made the decision to quickly establish a computer system for China Merchants Bank, and set a clear mid-term goal: to complete the computerization of basic business processing within three years, and to complete the computerization of all business processing within five years. This has laid a good foundation for China Merchants Bank to carry out digital transformation in the future.

Year 1999, Ma Weihua He took over as the president of China Merchants Bank and fully started the construction of China Merchants Bank’s online banking after taking office, becoming the first commercial bank in China with online financial services. The opening of China Merchants Bank’s online banking became the starting point for its retail business.

In 2010, after realizing that the profit growth achieved by large-scale capital consumption and profit margins in the past was difficult to sustain, Ma Weihua led China Merchants Bank to implement the goals of reducing capital consumption, increasing loan pricing, and controlling financial costs. “Secondary transformation”. Like Wang Shizhen, Ma Weihua has also been at the helm of China Merchants Bank for 14 years.

year 2013, Tian Huiyu Taking over as the president of China Merchants Bank, China Merchants Bank has ushered in a new era in which it is fully embarking on the road of “finan-tech banking”.

Under the leadership of Tian Huiyu, China Merchants Bank proposed “mobile first” in 2015, consciously using APP as its main business position.

In 2016, China Merchants Bank mentioned fintech in its annual report for the first time, proposing that the bank’s “premature power” must be used to advance its fintech strategy, and in its 17-year report, it proposed to be a “finan-tech bank”.

Under the leadership of Tian Huiyu and other leaders of China Merchants Bank, at the end of 2019, China Merchants Bank invested 9.361 billion yuan in information technology, a year-on-year increase of 43.97%, which is 3.72% of the company’s operating income.

China Merchants Bank attaches great importance to science and technology investment, and its investment in information technology has far exceeded that of most banks over the years. Public information shows that the annual financial technology budget of China Merchants Bank is determined at 3.5% of the previous year’s revenue.

Recently, Tian Huiyu said in an interview that China Merchants Bank’s investment in information technology has reached 12 billion yuan in 2020. Based on this figure, Leifeng.com calculates that China Merchants Bank’s IT investment will account for more than 4% of the company’s operating income in 2020.

You always wonder why you are still lonely and can’t find a lover or a handsome, suitable, and suitable guy. So I just kept going and did not see the love flourishing at all. Feng shui expert Tam Nguyen thinks that you are “stuck” in part because feng shui is not good. If you want to meet the predestined fate as you want, not alone for the rest of your life, absolutely avoid the feng shui mistakes that the experts mentioned below. The bed has no support The side of the bed doesn’t lean on anything, making it easy for the daughter in the house to “miss” her husband. The bed has no fulcrum, giving a feeling of emptiness and lack. Moreover, this is an omen that the girl lying on this bed will find it difficult to find a reliable man to marry. Convert the toilet or kitchen into a bedroom Because the bedroom is so cramped, some families have converted the toilet or kitchen into a bedroom. This inadvertently affects the feng shui layout. Although it is no longer a toilet or a kitchen, the ghost still exists and affects the bedroom space. This makes it difficult for you to get married and also affects the morale of the family members. Dark and damp bedroom Such a bedroom lacks serious light, which not only affects the health of all family members, but also makes it difficult for the girl in that room to get married, and possibly even to be single for the rest of her life. Place a tilted mirror in the bedroom Placing a tilted mirror in the bedroom can easily lead to erroneous thinking and unusual desires. For example, a young woman suddenly wants to have a single life, so she has no luck. * Information in this article is for reference only.

“I wanted to convert the plane into an RV (Recreational Vehicle) since I was 12 years old, after watching a TV show. Until I served in the Air Force, I always thought one day. will make it happen.” It took Gino about a year to build his dream mobile home by himself. Almost every day, he slept very little because he was excited, thinking about what to do the next day. Gino manually converted the plane into a mobile home. Parts from old aircraft are used by Gino and fitted into the car such as light switches, intercoms to decorative details. The engine part was taken from an old truck. In addition to the main parts, the bathroom area, the kitchen with a microwave oven is also fully installed by Gino and tries to keep the space and layout of the plane. He also turned what used to be the cabin crew area into his youngest son’s aviation-themed bedroom. Despite its unique shape, Gino’s 27-square-foot RV is still roadworthy and legally licensed in all 50 states. The RV is fully equipped and meets the traveling conditions. Since completing renovations in the summer of 2020, Gino has taken his family on many trips across the United States. When traveling on empty and wide roads, he feels like he is actually flying an airplane. “Children are often surprised and curious about the shape of the car, many veterans are also interested and start a conversation with me. It’s very happy to see that people like my work.”

To demonstrate the powerful “evolutionary” potential of workspaces in contemporary cities, Toong continues to introduce a new project, focusing on a multi-functional experience ecosystem. The land at 188 Vo Thi Sau covers an area of ​​1250m2, located in the alley opposite the City Children’s House, formerly the Vice Presidential Palace of Saigon. From front to back, the space is reasonably distributed with areas that are both isolated and meet at the same time in a large central space. The project follows this layout to build an ecosystem of offices, places of work and rest for the contemporary business class. The two side compartments were redesigned to become a unique office for the business, bearing the sound of contemporary “factories” with high ceilings and abundant light. The rear part of the house is planned into a utility complex with meeting rooms, open pantry areas and quiet bedrooms. The sky is wide with bold slices of contemporary architecture. In the expanded space, Toong plans to develop more artists’ studios, creative commercial spaces and working rooms for 5-10 people. Posts: Beautiful News

The following article is in topic How will show you how to get extremely “quality” portraits with Snapseed mobile app . Depending on each person’s point of view, but the general idea of ​​portraits is to give the viewer a picture with depth of the character, making the viewer want to learn about the story as well as the idea. Photographs bring. Steps to take an impressive portrait with Snapseed app: First, choose for yourself a portrait photo, noting that the subject needs to be separated from the background. Photo: Thai Hoang Open the Snapseed app and let’s get started. After opening the image in the application, we go to the “Tools” section and select “Crop” so that the image has a really good composition. Align so that the subject is the main content of the image. After the composition is complete, we proceed to colorize the image with the “Tune Image” tool. Some parameters need attention (Values ​​in each standard may vary depending on the color of your image). After finishing the color of the image, we come to the step of making the image black and white. Select black and white mode with the “dark” tab. Increase the contrast, while reducing the brightness a bit. And this is the result after a few simple steps. Please note, all parameters, thinking images in the article are for reference only. Hopefully through the article, you will know some more tips to make the photos you take as impressive as the magazine covers.

The prime location that allows to fully enjoy the beach and the changes at all times of the day from dawn, dusk to lights is the biggest emotion leading the architect when designing the project. The entire architecture of the cafe is focused on the sea in order to maximize the views and enhance the beauty of nature in the most vivid way. Balancing the needs of young people, the main target of the shop, and the advantages of the land, the design team has created a variety of seats, where every corner is a different scene, a different sky. The diverse shapes of the doorways are animatedly arranged on a simple block creating pleasing rhythms. Light, shadow, sea surface and green canopies become the main decoration materials of the building. The diverse shapes of the doorways are animatedly arranged on a simple block creating pleasing rhythms. Guests’ emotions are skillfully guided from the porch on the front steps to the windows through the floors and stop at the highest point – where the stairs “connect” between the sky and the sea. Accordingly, the views towards the sea also gradually expand, proportional to the high floors. With such an “extroverted” spirit, the interior of the restaurant simply focuses on comfort and convenience for users with a variety of stylish tables and chairs. Light, shadow, sea surface and green canopies become the main decoration materials of the building. Right in front of the shop is a long-standing beach of local people, bustling in the morning and afternoon, putting the work in a familiar context and rhythm of the coastal city. Project address: Soho Coffee, Ha Long Street, City. Vung Tau, Ba Ria – Vung Tau
Architectural and interior design: Truong An Architecture Posts: Ngo Ly Nga – Image: Hiroyuki Oki

From 1954-1975, Saigon, under the management of the national government at the time, with the social situation had a temporary period of peace, the economy was developed, the urban attraction increased, leading to the urbanization rate. rapidly developing. Since the 1960s, the economy has depended on massive aid from allied capitalist countries, especially the United States. Saigon urban area has the opportunity to develop further. The networks of roads and main roads were expanded and newly built. The population of Saigon at that time was more than three million people and had become a huge metropolis, a population center, a center of employment and a refugee camp. The Library of General Science, designed by architect Nguyen Huu Thien and architect Bui Quang Hanh, completed in 1972, is highly appreciated for its architectural solutions to adapt to hot, humid tropical climates and heavy rains. In the early 1970s, due to the economic investment policy to attract foreign capital, the city’s industry developed strongly, and a series of large-scale enterprises appeared. In parallel with the development of technical infrastructure, traffic, electricity, water; social infrastructure, public works, commerce, services, large residences, buildings, hospitals, universities are invested and developed with higher quality than before. In addition, a large number of highly qualified and numerous scientific and technical workers, technical workers and craftsmen were born. In which, a team of Vietnamese architects trained from many domestic and foreign sources such as France and the US have met the design and construction needs of Saigon. Based on the contemporary socio-economic foundation, construction activities developed together with close exchanges with Western capitalist countries have created conditions for art movements in the world to be imported into Vietnam. freely. In which, the popular international modern architectural style has contributed to changing the appearance of Saigon architecture. This architectural style has begun to gradually replace the cumbersome and restrictive Western classical and neoclassical architectural forms before, making Saigon architecture bring many elements of a modern urban architecture. compared to other countries in Asia at this time. Notably, most of these architectural works are designed and constructed by a team of Vietnamese architects who meet international modern standards. The stylized stilt house standing on the lake and the flower wall on the reading room façade is a reasonable solution. Columns, beams, cantilevered roofs, roofs reaching out from the walls are familiar traditional images . The trend of modern architecture when entering our country has been applied by the architects to suit the local climatic conditions and has formed the style of “tropical modern architecture”. In fact, this style appears almost widely in countries with tropical climates such as Brazil of South America, some South African countries, South Asian countries such as India, Sri Lanka or from Southeast Asian countries. They have the common characteristics of simple shapes, high-rise buildings, reinforced concrete construction materials, aluminum and glass, high functional value, use of detailed structure of couches, sunshades and corridors in accordance with the requirements of the project. humid tropical climate. However, a special feature is that “tropical modern architecture” in Saigon has been skillfully combined by Vietnamese architects between Western modern technical elements and Eastern culture, exploiting the traditional architectural features in the building. The harmony between architecture, people and nature has made these buildings truly worthy contemporary works to be treasured. Tropical features and Saigon nuances Referring to the typical architectural works of this period, it is impossible not to mention the Independence Palace by the architect. Ngo Viet Thu and his associates designed. My colleagues also have an analysis of this work in the same issue, however, I still want to emphasize, this is a work that shows a harmonious combination of Western and Eastern cultural elements. , creating a project with a “tropical modern” style as a monumental highlight at the end of Le Duan street. Independence Palace seen from above. Photo: Zing The facade architecture of the building is divided into three solid – hollow – and solid pieces, which partly repeats the layout of the previous Norodom Palace, however, can also recall the silhouette of the traditional three-room, two-gable house, similar correspond to the functional areas inside. The ground floor is designed with large glass doors to bring trees and water surface into the building as much as possible. The prominent image on the façade is the unique “stone flower curtain”, the author’s name for his work. Because the facade of the building faces East – North, in order to have a lot of natural light and still limit solar radiation, the author has cleverly combined Western technical materials with traditional aesthetic concepts. The tradition creates the image of the curtain, making people think of the images of the shuttle or the bamboo structures, which are symbols of the gentleman in the concept of the Eastern people. They bring a very familiar feeling to Vietnamese people. Inside the flower curtain is a wide and long porch filled with light, reminiscent of a porch in folk architecture. The indoor spaces are created by the author according to the principle of natural ventilation and open space to exploit the surrounding landscape and also to suit the climate here. Even the roof insulation solution is taken care of. The roof has a two-layer floor structure, the bottom is a bearing concrete layer, the top is a heat-resistant knitting sheet placed on a brick pillow 40cm from the floor, it is thanks to the convection air cushion in the middle that should keep the indoor temperature at all times. cool either. At the same time, in the work, some specific materials are used such as washing stone, grinding stone to paint the walls, but there are people who put the Independence Palace in the category of “tropical architecture that creates Saigon’s nuances in the overall design of the city.” Vietnamese contemporary architecture”. In 1972, the construction of the General Science Library designed by architects Nguyen Huu Thien and Bui Quang Hanh was completed. The work is located in a quite favorable position in the city center, opposite the old Gia Long Palace – now the City Revolution Museum – at the corner of Nam Ky Khoi Nghia and Ly Tu Trong streets today. The authors have combined the building block in functionalism by creating two blocks with a clear geometric shape but cleverly arranging them to contrast each other. The horizontal block is the reading room and the vertical block is the bookstore, along with the solid and hollow façade solution to bring unexpected and impressive visual effects. Although this is a tactic that we often encounter in some modern Western works, here the authors have shown the consistency from content to form an architectural solution adapted to the situation. The climate is tropical with lots of sunshine and lots of rain. At the same time, the authors also know how to skillfully combine Western aesthetic elements and traditional Vietnamese elements to create a work with unique nuances. General Science Library Architecture. Photo: Flickr That is the architectural treatment of the facade of the bookstore with solid walls running in the horizontal direction, symbolizing books stacked on top of each other and leaving only small window slots just enough to get light, to Avoid direct sunlight to yellow the documents inside. Or like the image of a stylized stilt house standing on a lake in a cubic layout of the building’s facade, the ground floor floor is raised from the ground to bring a sense of closeness and enjoyment but without losing the grandeur of House. Because the work is facing northwest – southeast, the use of a flower wall on the facade of the reading room block is quite reasonable, both against solar radiation and creating ventilation for the corridors and rooms inside. . Especially here the authors have modernized traditional architectural elements to create decorative motifs that are extremely expressive, bringing great success. The work that makes a strong and unforgettable impression is thanks to this flower wall. The building is no longer a homogeneous box-shaped block, but has used many elements of traditional wooden architecture such as columns, beams, cantilever, roof raced out from the wall, even the familiar bare surfaces of the building. The large wall panels in modern architectural style are also treated with stone materials and decorated with dragon and phoenix reliefs. The shapes and details show that the Vietnameseization as well as the tropicalization of modern architecture at the Library of General Science has reached its peak. University of Medicine and Pharmacy project. Photo: MINH@K It is possible to point out another project, which is the University of Medicine and Pharmacy. Located in a large campus, with a distributed layout but the blocks are linked together by rows of covered corridors on all three floors, so the circulation between functional blocks is quite convenient. It is also thanks to this layout that the building organically connects with the gardens, trees, water surface, weaving in the campus to create a fresh atmosphere, softening the harsh sun of the climate. It also demonstrates the application of the principles of the school of organic architecture that such masters as Frank Lloyd Wright, Alvar Aalto, Richards Neutra have proposed. Although there is a limitation of square shapes, but due to the way of creating a liberal floor plan, due to the flexible solution of space, it has been quite closely combined between the indoor and outdoor spaces. between architectural works and nature in a harmonious and lively manner. The project of the University of Medicine and Pharmacy is a very successful example of a solution against solar radiation. For the east and west facing facades, a vertical and thick slat system combined with the corridor was used. As for the south and north facing sides, the corridor solution is combined with the mixed roof system. The blocks are linked together thanks to the corridors covered with all three floors, so the circulation between the functional blocks is quite convenient and organically connected with the gardens, trees, and the sun. country. This is also a successful work on solutions against solar radiation. For the facades facing east and west, a thick and vertical slat system in combination with the corridor was used. As for the south and north facing sides, the corridor solution is combined with the mixed roof system. Photo: MINH@K In general, the architecture of the University of Medicine and Pharmacy has a high consistency thanks to the use of a wide corridor system solution combined with blue forms, herringbone stairs, whitewashed stone walls that stand out on the green background of trees. All of them create a very typical style of “Saigon tropical architecture”. Although there are only a few typical examples in the overall picture of Saigon urban architecture in the period 1954-1975, it also gives us an idea that Saigon architecture in this period has taken a step forward. outstanding, both adapting to the tropical climate and meeting the needs of the new urban lifestyle of the people here. Whenever mentioning this period, everyone is proud of an architecture with the common name “tropical modernization”, a title favored by many international researchers. With a fairly smooth combination between modernity and ethnicity in architecture, between architectural, climatic and human factors, the works in this period really laid a solid foundation for the the next step of contemporary Vietnamese architecture. Posts: Assoc. Nguyen Khoi

Feng shui believes that people who sit to work must receive vitality from the universe to be lucid in operating the work. To increase the ability to absorb life from space, Feng Shui expert Nguyen Song Ha advises: How to arrange the desk On the desk, there must be a clear, colorless glass column, this object is called a feng-shui tower without you to replace it with a glass column, which condenses energy in space to one point. increase thinking ability. The papers stack on the left should be higher than the right. Should put the phone in good directions, suitable for you (West, Northwest, Northeast, Southwest for Westerners and East, Southeast, North, South for Eastern people). Place objects representing the Five Elements on the desk Positive energy as well as good luck will always come to you if you put objects representing the Five Elements on your desk: North direction: Cup of tea, cup of water or coffee … Northeast corner glass or crystal paper stopper. The East places a vase of fresh flowers at the desk to create a very good positive energy, encouraging you to work enthusiastically. The southeast corner of the desk housed a small, lush tree to attract fortune and promotion. However, it is important to avoid cacti or plants with sharp leaves. For the best, flowers and plants need to be fresh and lush. If the tree dies, remove it immediately and replace it with another one. The southeast corner of the desk should also be placed with red or purple antique figurines representing wealth. The southwest corner of the desk housed a circular crystal or a plain glass ball to create harmony between you and your coworkers. The south side of the desk is lined with lamps to energize your name and reputation The West or Northwest direction of the desk should be with metal office equipment (such as computers), remember that low objects should be placed on the right and high objects on the left. In addition, the West can decorate the feng-shui gold bar. According to feng shui between the table is a health related area, it is necessary to keep this area clean. The back part, the left corner is the rich area, put 1 red bag containing 9 or 3 coins. The back, right corner is the relational area that places objects in pairs such as two fresh flowers or two figurines. Finally, it is important to remember that the most important thing is that the desk is really clean, neat, well-ventilated, to circulate air, to avoid stalled air flows. That alone has created a feeling of comfort, a very refreshing spirit. And the spirit must be refreshed to complete a job well. * Information is for reference only.

According to sources, through the Yeezy brand, West authorized Balenciaga to design the T-shirt and sell it for $ 200. Within 24 hours, this product is reported “out of stock”. Balenciaga says it will return the net profit to the DMX family. At the memorial service, West kept a solemn attitude. He also assists with stage staging. Additionally, the 1970-born rapper recruits visual artist Akeem Smith to help design the layout. Kanye West authorized Balenciaga to design a shirt to honor his dead friend. Photo: @dmx. Other way, Page Six reported on April 16, West’s company applied for an official logo registration application for the upcoming Yeezy x Gap fashion line. In addition to the rounded edges and the letter “YZY” in the center, the white typeface on a navy blue background bears a resemblance to the Gap’s longstanding logo. This image was posted by West on his personal page when he announced a surprise 10-year partnership in June 2020. According to the April 9 trademark application, the partnership may include clothing, shoes, hats, accessories, and bags. However, an official release date for the collection has yet to be announced. The official Yeezy x Gap logo is trademarked. Photo: World Architecture Festival.

Diffuse your favorite scents Scented candles, diffused essential oils are often beautifully designed, which can be used to make accessories for your home. There is nothing more wonderful than the feeling of entering a space filled with aroma and full of life. So invest in your home with things that add luxury, comfort and relaxation like scented candles, essential oils, and scent diffusers. Especially, scented candles are often designed beautifully, which can be used to make accessories for your home. When you want a little innovation, just buy new scents to break the familiarity of your home. Also, buying seasonal scented candles is a great way to keep your home up to date with the event stream. Change the color of the wallpaper, or add color to the home Mix more patterns, new colors in a wall array to create accents. If you do not want to change all the wallpaper colors, just add new textures and colors in a wall array to create accents. This will highlight a wall in your living room or bedroom, or give your kitchen a more modern or warmer look depending on your favorite pattern / color. Recommended purchase: Mini bar trolley Placing it in the empty corners of the house or next to the sofa is perfect. Having a mini-bar stroller in your small apartment is essentially a luxury and a bit of playfulness. But you do not have to leave the wine bottles and wine glasses too professionally like in hotels, but instead are the vases, candles, perfumes, jewelry or furniture accessories to display there. , into a splendid highlight for your home. Then placing it in the empty corners of the house or next to the sofa is perfect. More trees A little greenery makes your home more alive. A little greenery in your home can make the space a lot nicer. And taking care of plants also makes you a more responsible person. The more you care and invest in the house, the more you will love it and the more you will be happy living in it. Add a mirror Mirrors are a décor that architects love the most. Mirror in addition to making the space look larger and better reflecting light, it is also a décor accessory that architects love most. Choose a mirror motif or style that suits the main spirit of your home, in addition, the mirror is a slightly virtual place to be invested. Hanging art pictures on the wall Hang up with large and impressive décor or a picture of art, or both. An empty wall suitable for those who prefer a minimalist lifestyle. But to the rest of the world, that emptiness looks dull. Hang up with large and impressive décor or a picture of art, or both, painting and other things together to create an interesting and aesthetically pleasing display wall. Feel free to get creative and breathe new wind into your home this way. Change the position of lights indoors Add table or floor lights to get light from different heights and angles around your home. Light from above is fine, but if that is your only light source, then you have a chance to do better. Add table or floor lights to get light from different heights and angles around your home. Candles are also perfect for lighting up your home and your mood in the evening for romance. Rearrange your furniture layout Whenever you feel bored, put things around. Whenever you get bored with the house but don’t have money for new furniture, move things around and rearrange their layout. Even change the position of sofa, bed, wardrobe, furniture according to a completely new layout, try to make sure it feels like moving into a new house. New carpet Carpets help the room and its furniture become more prominent and more connected. A rug has the ability to completely change the space of your home, or you change its location, or buy a new one on it that will instantly transform your home into a new home. Carpets also help the room and its furniture become more prominent and more connected. You can also stack many small rugs in many places in a space to add texture and image. Add decorative accessories on table tops, cabinets Every corner of the house should be as beautiful as this. When you have some empty surface space such as a TV shelf, a tea table … decorate and display pretty things or simply a few books and a vase for the house to see everywhere. beautiful, aesthetic.

The skylight is not only to create a decorative highlight for the house, but also a place to recharge and recharge air to help exchange and circulate the house with fresh, fresh air. Therefore, in the design process, it is necessary to carefully calculate so that the location of the skylight must meet the aesthetic factors, suitable for the use of the use and must meet the feng-shui standards. The effect of opening a well Opening a well is a way to ventilate the home with new air. Therefore, with Dai Nam feng shui, when arranging the location of the sky well, teacher Nguyen Trong Manh – Master, the leading feng shui expert in Vietnam always carefully calculates, and often places the sky well in a prosperous way to catch the source Sand energy benefits through the sky well into the house. Or based on the layout of each house to calculate the setting of the sky well so that the house has valuable ventilation lines such as: For the cross supply, the first of the better, … to create a rich, rich owner. Notes when opening the sky well When opening a well, attention should be paid to making the roof to be active in the regulation of light and sun protection, to avoid rain. Calculate the position of the skylight to decorate and create highlights for the house. Sky wells are located in any bearing, the decoration must be followed to suit that azimuth. For example: Which bearing can place ornamental plants, yellow light, white light, or rockery or waterfall, … to ensure the balance of yin and yang. Sky well in feng shui In feng shui, the skylight is arranged in the right position it will bring extremely great values ​​to your home. When the house is ventilated, it will be a favorable condition to increase good energy, dispel impurities, … From there it will have a direct impact on the health and development of family members and is also a great space for us to highlight the house more luxurious and fresh. than. * Information is for reference only.

As we all know sleep is so important because one-third of our time is spent sleeping. Sleep helps us to rest and relax to regain energy after a hard working day, and the bedroom is also a place to set a fire of happiness in every family. So when designing the bedroom, not only must create a beautiful space; but also have to meet feng shui standards for the bedroom. For important spaces such as bedrooms, it is necessary to choose the layout of the house; and ventilation factors must be ensured. Bed placement Do not put under the bar as it will feel compressed while sleeping; makes the sleeper feel poor and tired easily. Should not put under the toilet or turn around the toilet will make the sleeper feel insecure; Affect many health. Should not be placed on top of the stove will make people sleep or upset … Bedroom colors Color is the expression of light. We use color to express emotions, convey different messages, and we can use color as a way of sharing energy. Par Kim: Those who are destined to be Kim are suitable for white and gray bedrooms, representing Kim or Earth colors such as brown, yellow brown, earth brown, … However, it is necessary to avoid colors such as red. , Orange pink,…. for Hoa Khac Kim. Mo Moc: Mo Moc is suitable for green, green, in addition, it can be mixed with black, blue, blue, .. because these are the colors of Thuy, but Thuy is born Moc. Avoid using blinds belonging to the Kim element. Destiny: The bedroom of a fiancée should be blue, blue, combined with black, these colors are compatible with the destiny. In addition, you can also combine with metallic colors such as yellow, white, iridescent,…. Do not use terrestrial colors such as dark yellow, brown yellow, brown, … Destiny: Color suitable for those who are destined to be red, pink, orange, purple, … in addition, the owner of the fire can also choose green as the main theme for the bedroom, these are the colors of the Wood element. Five elements feng shui, Moc born Fire, and the colors of the Thuy element. Par brothels: The Earth’s destiny person can use brown, yellow brown, and dark yellow as the main color for the bedroom, in addition, the owner of the Earth family can combine with the colors of the Fire element such as red, orange, pink, … At the same time, avoid using the colors of the Water element such as blue, blue, … Harmonious interior arrangement In addition to the scientific bed bed, you also need to pay attention to the arrangement of the interior so that it is harmonious and scientific. A well-balanced combination of furniture will create a homogeneous and reasonable space. Do not put too many furniture in the room, avoid messy rooms, cause inconvenience for users. Any bedroom should have a window, a window will bring natural light, help air conditioning. The sunny and windy room will bring good inspiration to the homeowner. Room door direction The bedroom door is not connected to the main door: In addition to the function of rest, the bedroom is also a place that represents personal life as well as personal feelings. The bedroom door connecting to the main door in addition to creating disadvantages for the home’s health and fortune, also signaling the unhappiness of the couple, a third person entering the married life. In the event that the space conditions are tight or not allowed, you can make a fake door or a screen between the two doors to counteract this disadvantage. Avoid placing a mirror facing the bedroom door: In feng shui, placing a mirror opposite the bedroom door is a taboo. Mirrors have the function of reflection, often used to prevent the flow of air from entering the house, in addition to the effect of repelling evil. The position of the mirror directly on the bedroom door will cause conflicts, bring aggression into the bedroom, and bring bad things to the house. C vomit bedroom opposite toilet / bathroom / kitchen door: The toilet is a place of elimination, with a lot of smells of pollution, so the toilet door straight to the bed will affect your health, and at the same time dispel good luck in the room. The kitchen is also a place with a strong smell, in feng-shui this is also not good with positive energies in the bedroom. The bedroom door is opposite the bed: The bed is the central place of the room, concentrating the most positive energy. The door is the intersection between the airflow inside and outside the room, the bed facing the front will create a lot of conflict between the airflow, which is not good for the health of the person lying on the bed. .

Stilt house is a typical type of house in the southwest river region. The old house was formed in 1968, so it has revealed many traces of time. In addition, the flood season in Hong Ngu does not rise to the residential area as before, so the stilt house becomes no longer suitable for the current life rhythm. Tien’s house is located in Hong Ngu City, Dong Thap province, adjacent to a river. Tien’s house has an area of ​​119 m². The problem posed for the Ha workshop design team is to create a close, open, cozy space. At the same time, to overcome the problems of the old house, especially bringing a new color in the model of the house in the suburban area. The Ha design workshop team designed an open space that is both open and cozy The gate of the house is unique because of the steep sloping roof lines. Viewed from above, it can be seen that the sloping roof system turns down to make the main space of the house. In it, the worship area is placed in the center of the house. The altar space connects with the living room and other spaces. All the spaces in the house seem to touch the garden space, which was also the design team’s purpose. The objects in the house bring intimacy. Separating the worship room, living room from the kitchen is a separating wall. Ha workshop design team shared: “This house marks the maturity of a child and is a place to once again demonstrate the family love after the days of building together.” Although the design of the house has antiquity, there are a number of highlights that bring fresh colors different from those in this suburban area. The house mainly uses wooden materials. The glass doors and the slope roof are built firmly to bring the building elegance and ventilation. In addition, the washing corner is arranged neatly with many surrounding trees. The design team also takes advantage of light sheet to create enough light for this space.

Because mirrors are reflective, they can be strategically placed to invite a certain amount of energy into space. You can use mirrors to reflect and duplicate anything you want to amplify. For example, if you put a mirror in your office that reflects the trees outside, you are inviting Moc energy into the workspace, helping to advance at work. Putting a mirror to reflect the food, the table can both “double” the food on the table and “double” the prosperity of the family. 2. Edit the command position in feng shui Command position is one of the most important principles in feng shui. When you can’t put a kitchen, bed or desk in command position, mirrors can do it. For example, if you can’t see the door while sleeping or the door at the desk or stove, you should put in a mirror to fix this. Place a mirror so you can see the door or entrance to the room. 3. Mirror shape follows the five elements According to feng shui, the mirror represents the water element. However, you can also decorate a feng-shui mirror according to the fate of the five elements. – Round mirror of Kim element, bringing a joyful space. – Square mirror of Tho element attracts sustainable energies related to relationships and family into the home. – The rectangular mirror represents the Moc practice to help the homeowner advance. – Triangular mirror typical for onions will increase passion or inspiration for homeowners. 4. Color the mirror frame according to the five elements The color of the mirror frame also affects the type of energy it will bring to your home. – Needle: White and gray color is metal, so this colored mirror frame will activate metal energy in the house. – Earth: A brown, orange or yellow colored mirror frame will add earth to the house. – Carpentry: For Wood energy, choose a blue, green or teal mirror frame. – Thuy: Choose a mirror frame in black or dark blue. – Fire: If you are looking for the element of fire in feng shui, choose a red or orange mirror frame. 5. Types of mirrors to avoid Ideally you should choose a mirror with a flat surface, or a convex, concave mirror. Avoid using mirrors that are broken, chipped, or that reflect distorted images. However, you will have to remove the classic mirror or mosaic wall wall. Not everything in your home has to be adjusted to feng-shui.

Feng Shui Dai Nam said that the feng shui of the living room space plays a very important role for fortune and attract fortune. According to feng shui, the following factors will help to prosper in the house: The living room is always airy and clean Because the living room is the central location where the air is carried for the whole house, when the living room is airy, other neighboring rooms such as the bedroom, kitchen and surrounding spaces are also followed. So the first thing the living room needs to have is ventilation. When designing the living room, Mr. Nguyen Trong Manh always bases on the layout of each house to carefully calculate, creating valuable ventilation lines such as: the interdependent fairytale, the cross arc, … create The owner is rich, distributing precious things to everyone. Use appropriate decorative lighting colors Using the color of decorative lights, it is necessary to calculate which positions can place yellow lights, which positions can put white lights to ensure the balance of yin and yang in feng shui. Do not abuse the interior decoration and arrangement of the interior of the living room, making the room cramped, cluttered, overcast and affecting the ventilation. Color is about to match Using the right colors and decorations to create a harmonious and lively space, the living room is both beautiful and luxurious, while creating a comfortable and cozy feeling when entering the room.

The cafes are becoming a destination to attract young people by their decorations filled with Tet atmosphere. Come here, in addition to chatting with friends and family at the end of the year, you should prepare yourself the best outfits for virtual life with many beautiful and eye-catching frames with the theme of Vietnamese New Year. : Ham – Coffee & Tea Diners commented: Cunme Andyou: “The decoration is nice. Every time there is a festival, the restaurant will decorate it according to that theme. The water is good, a lot. There is a problem that the day I go to rain, the seat leaks so I have to change the table. A polite, cute security guard, even though the rain stopped. ” Minh Chau: “I quite like the layout of the restaurant, many trees and furniture are also beautiful. I go in the morning, there is also sunshine so it looks bright. The restaurant is crowded but not noisy and comfortable. the attitude is also quite good. The water price is about 50,000-60,000 VND. The orange pineapple dish is quite delicious. De Olla Café Diners commented: Hoang Anh: “The shop is currently decorated in Tet style, so the main tone is yellow and red. The corners are beautiful and genuine. You should take your camera to shoot, style, take pictures to post pictures. Tet day. Probably not over the whole day. I ordered drinks, but because I went with my friends, I was engrossed in virtual life so I forgot to take a glass of water, forgot the price “. Nguyen Hoang Minh: “The restaurant is located in a wide, airy and quiet alley, quite small but cute. The shop is very green, decorated with lots of trees. mainly studying and working so no one bothered anyone. The menu is varied. Price ranges from 40,000 to 50,000 VND. The cake is delicious. The staff is cute and dedicated “. Caffeine Diners commented: Hie: “The restaurant space is spacious, has 2 floors, downstairs is open space, upstairs is air-conditioned room. Seeing the Tet decoration shop, I ran over to make bright red photos at the beginning of the year. The price was quite good compared to the shops. I have come recently.The quality is also very good The staff is beautiful, beautiful, cute, friendly, enthusiastic. “. Tam Tam: “The lovely Tet-decorated shop is near my house. The water price is quite cheap. The service staff is enthusiastic. The plus point is that I am taking pictures of the device that is about to run out of battery, and borrow the shop staff who has prepared wires for me. The shop still has many vintage views, but I wear Tet clothes that are not suitable for photo. Izi Coffee Diners commented: Tuong Vy: “I stopped by after a year, the shop has been renovated. I really like the new, quiet space, warm colors, green trees, flowers. Delicious drinks, also a discount. Chicken rice. Strong, not dry. Price is good. The owner is cute and enthusiastic. Hoang Hai Yen: “This is a shop that houses the youth of many generations of Hoang Hoa Tham school’s students. The space is clean, cozy, there is a sitting area upstairs for group gathering, comfortable fighting. Only 2 private rooms are decorated very nicely, suitable for virtual living, relaxing, studying, reading. The menu ranges from drinking water to salty food, snacks “.

Feng shui researcher Nguyen Xuan Cuong shares some notes when setting up the altar that families can refer to. Do not move the incense bowl to the wrong position At the end of the year, all families clean the altar to celebrate Tet. According to feng shui, should not arbitrarily move the incense bowl. If the bowl of incense is moved in a bad direction, it can even cause bad luck for the homeowner. The days bordering on the Lunar New Year are the occasion when people clean the altar and prepare to welcome the new year. Photo: Pham Thang. It should be noted, after taking out the incense, we should not hold the incense bowl to pour out the ashes. Because according to the concept of the ancients, this approach is very easy to spread talent and gossip. We should use a small spoon, scoop each spoonful of the incense to spill out. When cleaning, families should use a new towel, wipe from high to low. Wiping water is alcohol with crushed ginger branch. Fruit tray presentation The tray is an indispensable thing on the altar in every family during Tet. Around December 28 and 29, after cleaning the ancestral worship place, families began to set up a beautifully decorated five-fruit tray to place on the altar. Depending on the region, you will choose different fruits, the North usually includes bananas, oranges, Buddhas, grapefruit, peaches, persimmons, peppers … Each type represents a wish of the owner, ensuring the white color, Blue, yellow, black, pink. For the Northern people, the green banana bunch placed at the bottom represents the descendants who gather, gather, surround and protect each other. However, this type of fruit never appeared in the Southern fruit tray. They believe that bananas are associated with business failure. The conception comes from the pronunciation of the banana in the southern voice as “chewing”, which is close to “chewing”, just doing business is difficult. Many families choose to display the five-fruit tray according to feng shui with the concept of welcoming more fortune in the new year. Photo: Viet Linh. Southerners often prepare 5 kinds of fruits, namely custard apple, fig, coconut, papaya, and mango with the concept of “demand for fig, just enough to use”. Oranges and tangerines are associated with the concept of “tangerine do resignation”, which means a lot of work and hardship, so they are not displayed on Tet. Meanwhile, the Central people have an important respect to their ancestors and have almost no taboo on any kind of fruit, even in terms of flavor, color and name in the five-fruit tray. The fruit tray usually includes dragon fruit, watermelon, mango, grapefruit, grape, pineapple, apple, orange, pear, custard apple … The layout is simple, not too fussy, thereby showing some personality. the sincerity of the people here. Do not put fake flowers and fruit on the altar Many families often have the habit of displaying fake flowers on the altar because they both save money and do not have to change water. However, expert Nguyen Xuan Cuong said that plastic flowers or flashing electric lights should not be displayed on the altar. When descendants display real fruit, they will show their respect and respect to their ancestors. Fresh flowers and fruits should be used to display on the altar during Tet. Photo: Viet Linh. In addition, we should use fresh flowers to display on the altar, choose types with beautiful names, pleasant aroma. Fresh flowers should be used such as lily, yellow chrysanthemum, apricot blossom, peach blossom that is both beautiful, long-lasting, bringing the Tet atmosphere. According to traditional beliefs, some types of flowers should not be placed on the altar of Tet, such as lilies, orchids, and lilies. Also according to Professor Nguyen Xuan Cuong, in order to show respect to ancestors, homeowners are not allowed to bring wild flowers growing along the road to display on the altar.

In the early trading on April 23, the three major stock indexes fluctuated slightly, and individual stocks in the two cities fell more and rose less. 3184 individual stocks fell, and market sentiment was weak. As of the close, the Shanghai Composite Index rose slightly by 0.05%, the Shenzhen Component Index rose 0.75%, and the ChiNext Index rose 1.67%.

In terms of sector hotspots, the healthcare sector rose sharply, with Yihua Health, Dabo Medical and Gongdong Medical’s daily limit, and Aier Ophthalmology rose 11.74%. Resource stocks and technology stocks weakened, and individual stocks in the coal sector and digital currency sector led the decline. Beijing Capital bought 5.318 billion yuan in early trading, including 2.86 billion yuan in Shanghai Stock Connect and 2.457 billion yuan in Shenzhen Stock Connect.

In early trading, institutional holdings picked up. Among the leading stocks in the industry, the leading pharmaceutical companies have gained the highest momentum. Aier Ophthalmology rose 11.74%, Mindray Medical rose 5.97%, and WuXi AppTec rose 5.58%. Group stocks such as Haitian Flavour, Midea Group and Oriental Yuhong rose more than 3%.

U.S. stocks dive in the market, Biden wants to tax the rich

According to Bloomberg News, not only for companies, the Biden government also plans to increase taxes for high-income groups. According to people familiar with the matter, US President Biden will propose to nearly double the capital gains tax rate for the wealthy to 39.6%. Together with the existing investment income surcharge, this means that the federal tax rate for investors may be as high as 43.4%.

The person, who asked not to be named, said that the plan will increase the capital gains tax rate for people with an income of $1 million and above from the current 20% to 39.6%. The plan has not yet been made public. Biden is expected to announce this proposal next week as part of the tax increase to fund social expenditures in the upcoming “American Family Plan.” Then White House Press Secretary Jane Psaki said that Biden believes that the expenditures (planned by American families) may come from the richest people, but the plan has not yet been finalized.

As soon as the news came out, U.S. stocks plunged during intraday trading. The Dow once fell more than 400 points, closing down 0.94%, the Nasdaq fell 0.94%, and the S&P 500 index fell 0.92%. Although the news is still uncertain, the market reacted quite violently. On the one hand, the market is worried that the wealthy will dump a large amount of stocks at the capital gains tax rate, creating panic.

Public fund first quarter report disclosed

Yesterday, the disclosure of the 2021 first quarter report of public funds officially ended . Since the Spring Festival, the A-share market has adjusted downwards as a whole, and most of the holdings of public fund holdings have pulled back sharply, and many of the new foundations who entered the market in January and February have faced substantial losses. According to statistics from Tianxiang Company on April 22, due to the A-share market pullback, the overall loss of public funds during the first quarter of this year exceeded 210 billion yuan; in the fourth quarter of last year, the overall profit of public funds reached 820 billion yuan.

The Securities Times·Databao sorted out the heavy holdings of A-shares of public funds in the first quarter. From the perspective of the total market value of the holdings, compared with last year’s annual report, the top ten heavyweight stocks have not changed much. Kweichow Moutai and Wuliangye hold the first and second positions in public holdings. Hikvision gained a large number of public funds to increase positions and entered the top three positions. China Merchants Bank gained 18.462 billion yuan in public funds in the first quarter, and it newly entered the list of the top ten heavy stocks.

In terms of different industries, bank stocks ranked first in the amount of public fund increase in the first quarter, and the market value of holdings increased by nearly 70 billion yuan. In addition to China Merchants Bank, the market value of public equity funds held by Industrial Bank and Ping An Bank increased by more than 10 billion yuan. In terms of performance, bank stocks all had good returns in the first quarter, with an average increase of 6.26%, 13 bank stocks rose by more than 10%, and the Bank of Nanjing and Postal Savings Bank rose by 25.25% and 22.80% respectively in the first quarter.

Other industries that have a lot of increased positions include the pharmaceutical and biological, electronic, and chemical industries, and the total market value of holdings has increased by more than 30 billion yuan. In the first quarter, the increase of public funds in general tended to pro-cyclical and undervalued stocks, and the enthusiasm for the long-term track of medicine, food and beverage, etc. remained unabated.

While public funds increased their positions in bank stocks in large numbers, the market value of non-bank financial industry positions decreased the most, and holdings of heavy stocks decreased by 34.933 billion yuan. Other industries where the market value of holdings have decreased include electrical equipment and household appliances that have decreased by more than 10 billion yuan, and the market value of holdings of communications, media, computers, and national defense and military industries has decreased slightly.

Based on the statistics of changes in the market value of public fund holdings, there are 5 stocks each in the banking, electronics, and biomedical sectors among the top 20 stocks. The pharmaceutical and biological sector stocks include Zhifei Biotechnology, WuXi AppTec, Changchun High-tech, Meinian Health, and Kanglong Chemical. The electronic sector includes Hikvision, Weir, Sanhuan Group, Transsion Holdings, and Zhuoshengwei. In the first quarter, public fund plus positions rose by an average of 15.34%. Among them, Oriental Yuhong, Meinian Health, and Transsion Holdings rose by more than 30%.

China Merchants Securities pointed out that there are no obvious signs of collapse of public funds. The consumer sector, the food and beverage industry and the pharmaceutical industry are still the most important sectors and industries for public funds. The reason why active public funds have such “falling but not breaking up” results is related to the fact that the fundamentals of these group stocks have not significantly weakened. The high-growth white horse stocks are still the first choice of current public fund managers.

Early morning capital flows to these stocks

In the early trading, a total of 62 stocks received a net inflow of over 100 million yuan in main funds, of which BOE A received a net inflow of main funds of 1.073 billion yuan, which was the top , Rose 1.69% in early trading, Xiaokang shares, Kweichow Moutai, and Sungrow received a net inflow of more than 800 million yuan.

Xiaokang shares in the past five trading days received a total of 4 daily limits and 1 daily limit. The company previously issued a risk warning announcement, stating that the news report stated that the way for the company to expand the marketing channels of Cyrus was normal production with a third party (referring to Huawei). Operating cooperation, and reminded that the expected loss for 2020 is 1.38-17.8 billion yuan.

From an industry perspective, a large amount of the main funds flowed into the medical and biological, electrical equipment sectors in the early trading, and the net outflows from the computer, environmental protection and real estate sectors were the top ones. New energy vehicles have once again been favored by major funds, and Ganfeng Lithium, Tianqi Lithium, and Ningde Times have received a net inflow of more than 200 million yuan in major funds.

Recently, a number of unfortunate incidents have occurred in apartment buildings. There are cases where children, even adults falling from higher floors, died or were seriously injured. There is an opinion that it may be due to design errors, but all apartment buildings and high-rise buildings must comply with construction standards, including full safety standards for each item, so it is unlikely to happen. out errors. In fact, the cause of the above cases is largely due to the unreasonable arrangement of objects and the interior of the house, leading to an accident in use. Talking about this issue, Mr. Tran Manh Dat, General Director of a company operating in the field of interior design, manufacturing and construction, said: “Usually when designing balcony balustrades in apartments height of about 1.4 m. However, active children can climb over here. Therefore, in a home with young children, it is very necessary to install additional screens to ensure safety ”. The apartment building should install a protective net on the balcony and avoid placing objects, beds close to the window. Photo: NGUYEN CHAU When receiving a house, even though there are no children in the house, the homeowner should still make a net on the balcony rail and the window to make the living process safe. The current way of installing the protective cable still completely ensures the space for the house. For townhouses, it is necessary to pay attention to the handrail of the stairs, if using the form of bars, the distance between the bars is not too large for children to pass through. Architect Huynh Bao Toan, Director of a mobile home supplier, also instructed: “When designing a house, the architect did it correctly according to the regulation of a handrail of about 1.4 m or more. However, some families often put extra items on the balcony, close to the railing such as washing machines, trees, furniture … When someone climbs these objects, it is very easy to fall out. Modern apartment design often has large windows, families should not set tables, beds close to the windows because it is very dangerous, especially for young children. The interior layout should be carefully calculated if the house has children ”. KTS Toan recommends apartment balconies need to attach protective nets. This not only ensures the safety of people in the house, but also minimizes the drop of things or mischievous children throwing objects on the ground, endangering others. “The current types of safety nets and cables do not violate the safety of the apartment’s escape when there is an incident such as fire and explosion, so people can use it with peace of mind. The bed should be placed in the middle of the room, not close to the window, the two sides should have space to move ”- said architect Toan. One of the risks when the house has young children is that the power outlet is too low, and children are easy to play with. Therefore, families with low power outlets need to install additional covers for electrical outlets to ensure safety.

Material and color of the desk also greatly affects feng shui. Overall, a brown wood desk and definitely the best feng shui choice. Note: Do not place a glass desk because it is not feng-shui. They are very fragile and can put you at work uncertainty. You choose the color and material of the desk according to 5 factors: Soil factors for stability: – Color: Brown, yellow earth / orange / neutral – Material: Wood or painted wood / synthetic material Metal elements for efficient work: – Color: White, gray and metal – Material: Metal or painted wood / synthetic materials The water element helps to clear the job: – Color: Black – Material: Metal or painted wood / synthetic materials Wood factors help development: – Color: Green and blue – Material: Painted wood / synthetic material Fire elements to inspire work: – Color: Red – Material: Painted wood / synthetic material Style desk feng shui The table doesn’t come in too many different shapes, but the most important thing is the table fits the space. The desk should not be too big for the space, but not too small for you to have enough room for papers and documents. If you do not have enough workspace, you will not be able to flourish in life. – Rectangular, “L” and kidney-shaped desks are the most suitable desk designs. – A standing desk is certainly possible. Feng shui desk location The position of the feng-shui desk is very important. The best location for a desk is where you can see your desk, not aligned with the door. If there is no way to place the desk in this position, you can place a mirror, such as a small convex mirror so that when sitting at the desk, you can easily see the reflection. of the door in the mirror. Some other best practices to note: Avoid facing a wall. If that’s the only option, then place a mirror in front of you to broaden your horizons and career opportunities. – Do not place the desk facing the window. – Make sure you also have enough back seat (minimum 91cm) for you to advance your career. You will be able to get in and out of your desk easily. Feng Shui items for the desk You can put some feng shui objects on the desk to bring out different energies. Here are a few to try: – A kind of green plant, to help develop career. Choose plants that are the right size and suitable for the lighting and space on your desk. – A ceramic cup that you love, with a solid base, is not easy to rush, will invite the earth’s energies as well as give you a stable career. Feng shui and confusion A messy desk is not necessarily a bad feng shui. As long as you don’t leave the table dusty, clutter can be a sign of movement and flow. In fact, the desk is not “negative”, meaning there is no life there. At the beginning or end of the working day, take a moment to free up space: tidy up your desk, organize papers, store everything, … When you actively move objects around Your desk, you work will be full of energy to help clear your mind. Next, use a mist sprayer to clear the air.

The color of the chip-mounted CCCD card is somewhat more vivid. Cards have two main colors are blue and light yellow. The two sides of the card have traditional motifs, beautifully imprinted. In the middle of the card is a very sharp map of Vietnam drawn. The new CCCD card has more vivid colors than the old card. On the front side of the card includes basic personal information such as: photo card, identification number, first and last name, date of birth, gender, nationality, country of origin, place of residence. The most obvious change is the CCCD card with English attached. In addition, on the CCCD card also appears the QR code. When scanning this code, we will be able to look up personal information of ourselves such as old ID number, new ID number … So, in case it’s not necessary, people should cover this part of the code to avoid your important information being stolen. The QR code on the new CCCD card is a change from the old card. The back of the CCCD card has the most obvious change in the layout as well as the above content. The old information still retained are identification features, card issuance time, fingerprints and red seal of the competent authority. The back of the card has a clear change in content and layout. The first difference is that the barcode printed on the old CCCD card header has now been replaced with a sequence of characters including both letters and numbers. This is also information that you should cover up. Besides, the position of the fingerprint has also been moved from the left edge (in the CCCD card, old ID card) to the right edge (in the new CCCD card). The position of fingerprints has a change between the old and new versions. The highlight on this year’s CCCD card is the chip attached to the back. This chip has a color, shape and size quite similar to the one on the phone sim card we often use. The chip on the new CCCD card. The size of the new CCCD card has similarities with many current hard cards In terms of shape, the new CCCD card will still have a rectangular design with 4 rounded corners, helping to limit the broken corner of the card when stored in the wallet. Thiet is quite similar to ATM cards of banks or membership cards of supermarkets. The CCCD card is shaped similar to an ATM card and other commonly used hardware cards. If you often have trouble with the slightly larger size of an old 9-digit ID card, it will be resolved on the new CCCD card. The new card will measure 83.6 x 53.98 mm. In a way that is easier to understand, “it” will be the size of an ATM card. The convenience of the new CCCD card The first handy point that we can see from a chip-mounted CCCD card is that “its sister” will be more durable. Compared with the old ID paper material, the plastic material on the CCCD card with chips will provide a longer life time. Besides, conditions such as torn, mysterious marks on the card … will no longer appear on this new card. The new CCCD card is more compact than the old ID card. The compact size on the new CCCD card is also a huge plus. If in the past, users often had to “headache” when searching for an empty compartment to store the old ID card, with this new CCCD card, you no longer have to worry about the above problem. This chip-mounted CCCD is almost able to fit in the usual card holders in today’s wallets. You can put your card in your wallet a lot easier.

On April 20th, the domestic 5G chip manufacturer Ziguang Zhanrui held the 2021 Creative Future Conference with the theme of “GO” online. At this press conference, Zhan Rui reviewed the internal changes in the company in recent years and clarified its position as an “ecological carrier of the digital world”. At the same time, Zhan Rui also launched a new 5G brand-Tanggula, updated the layout of 5G products, and shared some achievements and corresponding layouts in the fields of consumer electronics and industrial Internet of Things.

Continue to focus on the 5G market, launch the new 5G brand “Tangula”

As early as in the 2G/3G era, there were originally more than a dozen mobile phone baseband chip suppliers on the market, but with each generation of technology upgrades, the technical challenges faced by baseband chip manufacturers are also increasing, requiring patent reserves and R&D. Investment is also rising linearly, and the threshold is getting higher and higher. If there is not enough shipment support, it will inevitably be unsustainable. Therefore, the upgrade of each generation of communication technology is accompanied by a major reshuffle of baseband chip players.

After Intel announced its withdrawal from the 5G mobile market in April 2019, there are only 5 global 5G mobile phone baseband chip players: Qualcomm, MediaTek, Huawei HiSilicon, Ziguang Zhanrui and Samsung. Although Apple has acquired Intel’s baseband chip business, Apple has yet to launch its self-developed 5G baseband chip.

Among the five remaining 5G chip manufacturers, Huawei HiSilicon and Samsung’s 5G chips are basically for use in their own mobile phone products, and Huawei HiSilicon is currently unable to manufacture its self-developed chips due to US sanctions. In the current open market, the only 5G-based chip suppliers that many mobile phone manufacturers can choose are Qualcomm, Zhanrui and MediaTek.

Although Zhanrui’s 5G chips do have a certain gap compared with Qualcomm and MediaTek, in the past two years, Zhanrui has continued to catch up, and the gap is further narrowing.

At the MWC exhibition in February 2019, Zhan Rui released its 5G communication technology platform-“Makalu”, and the first 5G baseband chip based on the Makalu platform-Ivy V510, successfully entering the world’s first 5G echelon. The gap with the first-tier 5G chip manufacturers at that time was only about 6 months.

One year later (February 2020), the 5G mobile phone based on Zhanrui’s first-generation 5G chip, Hisense F50, was officially released. However, it needs to be pointed out that the Huben T7510 is not a 5G SoC chip, it is a combination of the previous Huben T710 plug-in Ivy V510. In the current 5G mobile phone chip market, whether it is Qualcomm or MediaTek, the main 5G mobile phone chips are already 5G SoC chips that integrate 5G basebands.

Therefore, at the same time as the release of the 5G mobile phone based on Huben T7510, Zhanrui also officially released its first 5G SoC chip with integrated 5G baseband-Huben T7520, which was also the first chip based on TSMC’s 6nm EUV process at the time, and it was in the overall The performance has also been significantly upgraded, and the gap with the rival’s flagship 5G chip has narrowed again, and some indicators have reached the same level or even higher. For example, MediaTek’s current flagship 5G chip, Dimensity 1200, is also TSMC’s 6nm EUV process. The AI ​​computing power of its integrated APU 3.0 is about 4.5 TOPS, while the NPU computing power of Huben T7520 has reached 8 TOPS.

Ziguang Zhanrui executive vice president and general manager of the consumer electronics division Zhou Chen said that the T7520 released last year was the first to adopt TSMC’s 6nm process, with 12 billion transistors, and the overall performance has a significant leap. Have strong competitiveness.

In order to further accelerate the layout of 5G products and better develop the 5G market, at today’s press conference, Zhan Rui launched a new brand for the 5G product line-Tanggula.

△Zhou Chen, Executive Vice President of Ziguang Zhanrui, General Manager of Consumer Electronics Division

Zhou Chen said that Tanggula is the birthplace of the Yangtze River and has nurtured a brilliant civilization. Next to Tanggula is the Hoh West No Man’s Land, which means that Zhanrui 5G will face the no-man’s land and continue to develop forward. Zhanrui 5G will take this as a new starting point to make breakthroughs, nurture and promote thousands of industries, and enter a smarter era of the Internet of Everything. At the same time, new applications will be explored to open up oasis in no man’s land.

Under the Tanggula brand system, Zhanrui will also carry out a brand new product plan for its 5G mobile platform, which is divided into 6, 7, 8, 9 series. Among them, the 6 series is geared towards the inclusive mass market, the 7 series emphasizes product experience upgrades, the 8 series focuses on performance pioneers, and the 9 series represents cutting-edge technology. The original T7510 was renamed Zhanrui Tanggula T740, and T7520 was renamed Tanggula T770.

As early as 2018, Zhanrui sorted out its product line and officially released two new product line brands, “Huben” and “Ivy”. Among them, “Huben” is a brand of mobile communication chips, and “Ivy” is a brand of pan-connected chips.

So does the launch of the Tanggula brand mean that the previous Huben and Chunteng brands will give up? Regarding this issue, Zhou Chen told Xinzhixun that Tanggula is only a brand for 5G products, and Huben and Ivy will continue to exist. It seems that the Huben and Ivy brands can only exist in 4G products in the future.

5G chip shipments will break 10 million this year, and 4G chips will grow by 300%

In 2020, due to the impact of the new crown epidemic, the demand for entertainment at home, home office, online education, etc., benefited from the rapid control of the epidemic in China, and Zhan Rui has made corresponding product layouts in advance. In 2020, Zhan Rui’s various businesses will appear. Rapid growth.

At this press conference, according to the data released by Zhanrui, the shipment of Zhanrui’s tablet products in 2020 will increase by 100% year-on-year; the market share of feature phones in 2018 is 41.55%, and the market share in 2020 is as high as 76.92%, ranking first in the world. 1. Shipments of 4G feature phones increased by 1.5 times year-on-year; smartphone business revenue increased by more than 50%; smart children’s watch market share reached 60%, ranking first in the world; in the financial payment terminal market, Zhanrui chip shipments A year-on-year increase of nearly 400%, the market share in the field of smart POS has reached 80%.

In terms of 5G mobile phones, in February last year, after the official release of Hisense F50, a 5G mobile phone based on Zhanrui’s first-generation 5G chip, many manufacturers (such as Coolpad, China Telecom, etc.) also launched corresponding 5G mobile phone products.

In terms of 5G industry applications, Zhanrui’s first-generation 5G chip 5G CPE equipment has also begun mass production and commercial use, and the head module manufacturers have also developed 5G modules based on Zhanrui’s 5G chips. Zhanrui’s 5G has gone overseas, and CPE products have been launched in Thailand.

According to the data released by Zhanrui at the press conference, Zhanrui’s first-generation 5G chip shipments have exceeded one million sets so far, and the number of commercial terminal products has exceeded 100.

As for the progress of Zhanrui’s second-generation 5G chip Tanggula T770, according to Zhou Chen, the executive vice president of Ziguang Zhanrui, the chip has already returned in February this year and has begun to intensively conduct corresponding adjustments and optimizations. It is currently being implemented in customer projects. It is expected that a 5G mobile phone based on Tangula T770 will be launched in July.

Regarding market expectations for this year, Zhou Chen said, “This year’s 5G chip shipments will break through the millions to tens of millions. I’m inconvenient to give specific numbers, but it’s definitely the tens of millions.

“Last year, Zhanrui’s customers as a whole have grown substantially. From a global perspective, there is a lot of room for growth in shipments in the low-end market. For example, in the 4G market, there were 1 billion 4G mobile phones shipped globally last year. The 4G market share was not very high before, so there is still a lot of room for growth. It is expected that this year there may be an increase of more than three times.” Zhou Chen added.

Cat.1/NB-IoT/5G multi-wire force, continue to develop the industrial Internet of Things market

In addition to the consumer market, the industrial Internet of Things market is also an important market that Zhan Rui has continued to develop in the past two years.

Since the official release of the domestic 5G license in June 2019, the construction and commercialization of domestic 5G networks has accelerated. At the same time, the clearing of 2G/3G networks and the migration to 4G/5G networks are also the general trend. However, with the closure of 2G and 3G networks, a large number of medium and low-speed network applications need to be switched to networks such as NB-IoT or Cat.1.

Against this background, in November 2019, Zhan Rui launched its first LTE Cat.1bis chip-Ivy 8910DM. It fills the gap in the cellular communication chip solution between the low-power narrowband Internet of Things and the traditional broadband Internet of Things. It can be widely used in scenarios such as sharing economy, financial payment, public network intercom, energy, and industrial control.

As the world’s first LTE Cat.1 bis IoT chip platform, Zhanrui Ivy 8910DM has quickly become the benchmark for medium-speed IoT chips with its advanced technical specifications and leading technology maturity since its release. In August 2020, Zhanrui Cat.1bis products exclusively won the bid for China Unicom’s Cat.1/1bis chip centralized comparison project, with a procurement scale of up to 5 million sets. While achieving great success in the market, in October 2020, Zhanrui won the lead of the Cat.1bis standard, turning a new page in Zhanrui’s history.

According to reports, Zhanrui 8910DM has accumulated tens of millions of shipments and the Cat.1 IoT chip market share exceeds 70%, ranking first in the country.

While Zhanrui 8910DM is recognized by the market, Zhanrui continues to promote the evolution of Cat.1 bis technology in order to better meet the key requirements of the current IoT application deployment and further expand the application scenarios. At today’s press conference, Zhan Rui announced a series of new Cat.1bis technical features: including eDRX/PSM features, coverage enhancement features, BT features, professional intercom, upgrade enhancements, overseas features, etc.

In addition, according to Huang Yuning, senior vice president of Zhanrui and general manager of the Industrial Electronics Division, Zhanrui will also creatively integrate advanced features such as R12 PSM, R13 eDRX, and R13 coverage enhancement with Cat.1bis technology this year. The ground empowers medium-speed IoT products to achieve an ideal user experience that requires low power consumption, low cost, wide coverage, and data rate.

△Huang Yuning, Senior Vice President of Zhan Rui, General Manager of Industrial Electronics Division

In addition to continuing its efforts in Cat.1bis technology, Zhanrui will also launch LTE Cat.4 / Cat.7 products with more IoT features for the IoT market in the future. Huang Yuning revealed that it will make more improvements and enhancements at the protocol level for LTE Cat.4 downstream 150M and LTE Cat.7 upstream 100M capability levels, and continue to develop new technologies in the fields of AIoT, IWN, smart display, and automotive electronics. Launch new applications.

In early July 2020, as 3GPP announced the freezing of the R16 standard, it marked the formal completion of the first evolutionary version of 5G. At the same time, NB-IoT has also been officially included in the 5G standard.

In November 2020, Zhan Rui soon launched the 5G NB-IoT chip V8811 designed based on the R16 standard, which can coexist with the 5G NR network and access the 5G core network. At the same time, V8811 is the industry’s first NB-IoT chip that supports the national secret algorithm + PSA Level2, and it is also Zhanrui’s first industrial-grade 5G NB-IoT chip. The power consumption is also greatly optimized, and it can carry more 2G de-networking processes. New application scenarios in China require.

In addition, 5G’s high-speed, low-latency, and massive connection characteristics also determine that 5G is more suitable for many applications in the industrial Internet of Things. According to Huang Yuning, Zhanrui’s 5G solution has more than one hundred industry application cases in the field of industrial Internet of Things, enabling smart transformation in industries such as logistics, power, mining, transportation, and manufacturing. Among them is the cooperation between Zhan Rui and JD Logistics on the 5G smart logistics park and 5G smart unmanned warehouse projects.

Huang Yuning said: “The number of Zhanrui’s 5G terminals has exceeded 100, most of which are used in the field of industrial Internet of Things, which will push thousands of industries into a more intelligent era of the Internet of Everything.”

Layout the automotive electronics market

The new energy vehicle market has been very hot in the past two years. There are not only pioneers like Tesla, but also traditional car manufacturers and new car manufacturers such as Weilai and Xiaopeng. In addition, mobile phone manufacturers such as Xiaomi and Huawei have also ended up, even OPPO. And 360 was also revealed that it will enter the new energy vehicle market.

For new energy vehicles, the proportion of semiconductor devices is also quite high. This has also attracted the entry of many non-traditional automotive semiconductor chip manufacturers. For Zhan Rui, it is also actively deploying the automotive electronics market.

In November last year, Zhan Rui launched a more integrated eight-core SoC smart cockpit solution A7862, which integrates 2G/3G/4G cellular communication and Wi-Fi+BT/BLE+FM+GNSS and other complete communication capabilities. Realize the “always online” of smart in-vehicle applications. In addition, it also launched the first domestic automotive-grade dual-frequency high-precision positioning chip A2395, which can support GNSS dual-frequency multi-mode, L1+L5 dual-frequency positioning, and global mainstream positioning systems, which can provide centimeter-level high-precision positioning with comparable positioning accuracy. 10 times higher than single frequency products.

Zhou Chen told Xinzhixun that Zhanrui’s product layout in the field of automotive electronics will mainly focus on the three aspects of connection, smart cockpit, and autonomous driving.

In terms of connectivity, Zhanrui is currently one of only three 5G chip suppliers in the open market, which is also a major advantage for Zhanrui to enter the automotive electronics market.

In the smart cockpit, a very highly integrated SoC is required to meet the requirements of multimedia entertainment in the cockpit and multi-screen display on the dashboard. Zhanrui benefited from years of experience in R&D and large-scale shipment of smart phone chips. Good response.

In terms of autonomous driving chips, Zhanrui has strong AI research and development capabilities and self-developed NPU architecture. Zhou Chen revealed that in the future, Zhan Rui may launch higher-specification AI chips for the automotive market.

However, Zhou Chen also admitted that Zhanrui’s current chips are mainly for consumer-grade or industrial-grade chips, while automotive-grade chips have higher functional safety requirements, quality requirements, and ultra-long-term continuous supply requirements. , Need to pass the car-level certification. For Zhan Rui, there will be some challenges. However, Zhanrui has already had a layout since last year, and more car-level chips will be released in the future.

Join hands with Liangfengtai to open up the AR market

Although the AR/VR market quickly became cold after the explosion around 2015, the application of AR technology in the industry has gradually emerged in recent years. For example, in subdivisions such as machinery manufacturing, automobiles, energy, public safety, medical care, and education, AR has begun to achieve applications.

In Zhanrui’s view, with the global deployment of 5G, AR will be re-recognized as one of the core scenarios of 5G. At the same time, the epidemic has accelerated the rapid growth of the AR market.

In order to accelerate its deployment in the AR market, Zhan Rui has joined hands with domestic AR manufacturer Liangfengtai to effectively solve the long-standing technical pain points of AR glasses through innovative 5G+AI fusion technology-including long delays, poor human-computer interaction efficiency, and voice recognition The dynamic recognition of the human body is not clear and accurate, the effective perception of the environment is not obvious, the picture quality is not clear, etc., thereby enhancing the intelligent experience of the product.

According to reports, relying on Zhanrui’s 5G+AI technology can strengthen the combination of virtual and real AR and enhance the interactive experience. For example, Zhanrui’s 5G solution can bring low latency, high bandwidth, and high-speed capabilities to AR products, enabling AR products to achieve real-time and high-speed online interconnection; Zhanrui’s AI capabilities can perform spatial calculations more efficiently , To achieve spatial positioning, map construction, virtual and real combination and real-time occlusion, to achieve the space 6DOF ViSLAM positioning technology within centimeter level/1°. It also supports environment understanding to help users perceive the surrounding environment, identify and track targets, and use deep learning algorithms to detect, segment, and identify targets to help better improve the product’s intelligent experience.

In addition, Zhanrui’s unique AI technology can support the use of AI algorithms to eliminate noise interference in multi-channel MIC scenarios, improve recognition, and make speech clearer and more accurate. At the same time, it supports accurate and reliable voice recognition, and supports 10+ command word recognition. Through the combination of AI technology and the end cloud, the voice recognition interactive experience is more intelligent.

Become an “ecological carrier of the digital world”

From the above introduction, we can clearly feel that in the past two years, Zhanrui has continuously and rapidly improved in terms of product line layout, product strength, market recognition, market share, etc. Zhanrui has achieved this compared to more than two years ago. “Transformation”!

The driving force behind Zhanrui’s “transformation” comes from the transformation of Zhanrui’s internal organizational structure, business system and management system.

△Zhanrui CEO Chu Qing

Zhanrui CEO Chu Qing said in the opening dialogue of the press conference: “Before I joined Zhanrui, Zhanrui had experienced consecutive years of performance decline. At the same time, quality accidents occurred frequently. At the most exaggerated time, our biggest customer at that time had three lawsuits against us. Many customers are lost. When I took over Zhan Rui in 2018, the situation of the entire company was almost flattened, so I had to immediately reform Zhan Rui’s internal structure, business system and management system. ”

According to reports, after accepting Zhanrui in 2018, Chu Qing immediately started to establish a complete integrated product development process system (IPD) and CMMI quality management system within Zhanrui (this is the system originally used for software quality. It is introduced into the research and development of the entire chip and solution).

In Chu Qing’s view, “The introduction of IPD and CMMI has made the business of an enterprise mathematically modelled and everything can be predicted. It can make the process orderly and the execution more efficient. To propose new strategic goals, or layer by layer. Decompose and correctly decompose it into the business architecture to carry it.”

Here is an example. In April 2019, Zhan Rui released the world’s first quad-core LTE chip platform for smartphones based on the Arm DynamIQ architecture-Huben T310. In February before this, Hisense took the lead in getting samples of the T310, and the mass production time of the chip itself is planned for July 15. However, when Hisense and Zhanrui confirmed the Alpha-level cooperation, they put forward the challenging target of mass production of mobile phones on June 15 based on market demand, which means that it only takes 3 and a half months from getting samples to mass production of mobile phones.

At that time, Ziguang Zhanrui’s senior vice president of marketing, Zhou Chen, said in an interview with Xinzhixun: “If we put it in the past, the mass production of a new Zhanrui mobile phone chip from tape out to terminal mobile phone will often take longer than expected. It takes a long time to delay. The main reason why Huben T310 can be launched to the market so quickly is that since last year, Zhanrui has established a complete integrated product development process system (IPD) and a CMMI quality management system.”

In addition, in terms of Zhanrui’s internal talent management and innovation incentives, after Chu Qing joined, he vigorously encouraged technological innovation, introduced new talents, and boldly used young backbones. “To solve the problem of poor enterprise innovation, we must attach importance to talents and give young talents opportunities.” Chu Qing said.

According to reports, at the end of 2018, Zhanrui’s internal R&D personnel accounted for only 40% of the master’s degree, but now it has increased to 85%. At the same time, there are currently 6 post-80s in Zhanrui’s first-level management, and there are many post-90s in second-level management.

In addition, at this press conference, Chu Qing also announced that Zhan Rui will invest heavily in cutting-edge technology research, establish an advanced technology research institute, invest 250 people among 5,000 R&D personnel, and invest 5% of annual revenue for cutting-edge technology R&D.

“In the future, there will be many new species and many things that shine. At the same time, Zhanrui will also make breakthroughs in basic computing architecture, and then spread to all Zhanrui products. AI will also have breakthroughs and new technologies. There will be a new transcript.”

Regarding Zhanrui’s own positioning, Chu Qing said: “Ecology is the core of Zhanrui’s strategy. This ecology can be divided into two parts, one is to provide the “carrier” of the basic platform, and the other is to prosper on the carrier platform. Software, application and terminal companies. Only companies with the main chip platform capabilities can become ecological bearers. Such companies are scarce and cannot be copied. Zhan Rui is the only company in China that can bear large-scale ecological bearer responsibilities. Then Zhanrui should take the initiative to take the responsibility and be the bearer of the ecology.”

“As the ecological bearer of the digital world, Zhanrui has identified and clarified its own industrial responsibility: to do a good job in the ecological’soil’, on the one hand, it must provide advanced technology for the industry, on the other hand, it must help the industry to expand new space and enter Provide support for new business.” Chu Qing further explained.

Author: core MI – Rogue Sword

The garden of the famous singer Huong Lan. Photo: NSCC. Singer Huong Lan and her husband live in a large house in Westminter, California (USA). The home of 2 people has an area of ​​1000m2, of which, about 360 m2 is used for house construction and 500 m2 for gardening and some remaining land, Huong Lan and her husband plan to expand the garden if they find varieties. good. In addition to the spacious home, singer Huong Lan and her husband also delighted the audience with the garden decoration with lots of flowers and green trees. The garden of the famous singer Huong Lan is covered with fresh flowers. Huong Lan said that she and her husband like living space close to nature. Therefore, they bought many varieties of flowers to grow around the garden. The elaborate wood furniture set is a gift given by a friend to the Huong Lan couple. She puts it under the garden porch so that when the garden is tired there will be room or reception. Another exquisitely carved wooden table is also decorated in the garden. Panoramic corner of the house of the singer. In the late afternoon, Huong Lan and her husband connect with each other by taking care of the garden. The grandparents revealed that the garden was a fruit that the couple enjoyed very much. And this is also the place where Huong Lan and his wife welcome their friends and have a meal together in the garden. In particular, the yard is also designed to add a large lawn and place many bonsai pots. In particular, the singer and husband also planted many fruit trees. When friends come to play, Huong Lan often gives them fruit from the garden. Female singer taken with fresh flowers in the garden. Dragon fruit rows have flowered. In addition, Huong Lan also grows a few vegetables for family use. Photo: NSCC.

English garden layout ideas can use small leaf plants: Hokkien tea, rosemary, pine … planted in bushes or less pruning. Besides being interwoven with bright flowers: roses, evening flowers … The use of more chinaware, wicker vase or ceramic vase also contributes to a lovely garden. Desert-style layout The layout of the garden is desert style, you can choose the plants: cacti, wax brushes, aromatic plants … You can plant plants in the garden or pots to add an impression. The pots are arranged high, low alternating, or adorned with gravel. Japanese style garden template The Japanese garden style layout emphasizes the simplicity and gentleness of nature with materials: stone, brick, wood, bamboo … The trees selected for this style can be mentioned. to: golden pine, chu sa, Japanese willow, begonia … When all are harmoniously combined together, it will create a beautiful garden bringing a very comfortable and pleasant atmosphere. Modern garden layout Modern garden-style layouts are often emphasized on simplicity but sophistication, often using industrial-style materials: cement pots, concrete, steel, ceramic, fiber … variety, richer for the garden. Unique trunks such as Indian palms, prosperity mountains … are commonly used with this style. Vertical garden layout Hanging garden layout is a simple method to help make the house more green. By creating frames to support the pots and attaching them to a wall or on a plastic sheet, you need to hide the pot so that only a patch of green wall is visible. The frame commonly used is a steel frame and the preferred plants for this style are vines, ivy, fern … /.

The house is in the form of a townhouse located in a new residential area in Nha Be district, Ho Chi Minh City. According to the planning, the house plots must be built in accordance with the regulations on the scale and height of the floors. However, the project still has its own features thanks to the facade covering, which protects the sun and creates a certain privacy. The 4-storey building is designed for a family of 3 generations. Accordingly, the first floor is the garage, living room and kitchen. To enhance the connection of family members, the house is designed with a private viewpoint but expands and connects common spaces in the house. An interesting solution in the living room: The TV shelf is not close to the wall as usual, but is pulled close to the sofa, so as not to be too far. The space behind is designed to be a play place for children; and also the traffic going down the stairs does not cut through the sofa-TV area if someone is watching. The staircase is located in the middle of the house, nestled to the side to expand the connecting space. Next to the stairs is a sky well for light and ventilation. This is also a place for a dining table, next to a green tree under the sky. The kitchen area is located at the back of the house, designed with a compact bar to create a certain discreetness. Behind the kitchen is a green yard and also a place to relax. Thanks to the interconnection of space and large glass walls, the view on the first floor is extended, throughout the depth of the house; easy to observe and connect in daily life. The second floor is for the bedrooms of the grandparents and the study, work and common room. The skylight acts as the nucleus connecting space. The roads are used to create a spacious common ground for children to play. “Sacrifice” a quite large area to make a well, but thanks to that the house is always bright, airy and wide open. Above the sky well is the glass roof and ventilation holes, so the house is always filled with sunshine and wind. The “holes” in the floor of the skylight are not the same, but variations with beveled cuts creating interesting perspectives. The third floor is the bedroom of parents and children. All bedrooms in the house have two open sides. One side facing the front or back of the house, the other side facing the well. The third floor is the bedroom of parents and children. All bedrooms in the house have two open sides. One side facing the front or back of the house, the other side facing the sky well./.

Besides the basic items in the house such as furniture, furniture … The most popular item that makes the biggest impression when visitors come to the house is the record player. Imported into Vietnam in the early 20th century, the phonograph gradually gained popularity among the Saigon elite. Pathé Phonograph and Pathé Records are well-known brands, sold at No. 10, Charner Avenue (Nguyen Hue). The agency advertised: “In entertainment that makes the family fun, there is nothing like: Pathé phonograph and Pathé record. Listening to good music can change human character, and music is like a separate language that the mind and mind have not shown. He also boasted: “… now the profession of making record is very sophisticated. The plate runs on sharp needles, taking electrified gas is quite good, but recently Pathé took steam from Annam version and took it with a radio, it was very mental, very smooth and clear. At present, the golden disc is the radio pathé disc, the red iris has a chicken. Smart women make their families happy and should buy Pathé phonographs. Husband from going out to waste. Although children play but expand their brains ”. Phonographs are also sold and repaired at Nguyen Van Thuat No. 105 Charner Street (Nguyen Hue), including Pathé recordings using sapphire needles. Here sell a full set of spare parts according to the machine. Coming to the shop, they also showed the index of various kinds of Annamese with nearly 30 songs, with attractive ones like Petitioning Hung Tin , Apotheosis , Cheo singing is confused with village … Odeon records sold at Indochine films & Cinéma No. 106 Charner include Dong Lac ban, Nghia Hiep ban, Phuoc Tuong ban, Tan Thinh and Van Hi Ban. There are also plates of Praising to the Notre Dame and Praising to pray for peace. There is Cai Luong Cao Men that sounds strange. Later, in 1937, Victor record with agent Le Van Tai at 82 Georges Guynemer street (Ho Tung Mau) sold Phung Hao recordings with Phung Ha, Nam Chau… many special songs. If anyone knows how to use it, they will buy the “ball song” at Pathé Baby’s house. The device is advertised as easy to use, booked a very luxurious living room, sold all kinds of comedy, tragedy, science, sports movies … powered by electricity, with white cloth to illuminate the image size 54X40. Saigon living room in the 1960s. Documentary photo : Hoang Viet Indoor lights are very important. If he was rich, he used electricity from the Cho Quan lamp factory or went to the shop of the native Quang Binh to hire and install. There is Mr. Tran Quang Nghiem, the owner of the Luc Tinh hotel shop who has “run the gas lamp wire” for any house or shop that wants to use gas lamps, ie electricity. Mr. Nghiem advertised: “The salary and wire fee is cheaper than most, thought that no place would dare to compete… One thing to know is that M. Nghiem’s ​​wire is attached to the wall, the owner still rented a compteur for a lamp house. Adding the compteur’s rent together with the new wire-based one is clear that M. Nghiem is cheap ”. At that time, electricity was still a luxury and unstable, fluttering, so every home needed a manchon lamp. Manchon lamp brand Petromax Rapid of Germany by the exclusive agent of Indochina, Dai Ich company at 29 General Doc Phuong Avenue (Chau Van Liem), Cholon advertises to Hanoi. There are three types of lamps: One liter burns for 18 hours, 12 hours or 10 hours. No need to charge with alcool, in less than a minute, it will be finished and burned with kerosene or gasoline. Dealers selling lamps and spare parts. Some people like the Aida manchon lamp brand also from Germany, lit with kerosene, good but very timely economic crisis. Sold at My Quang & CIE No. 33 along Tong Doc Phuong street. Ordinary people buy lamps in the United States with a large kerosene can about the size of a bowl, made of transparent glass, clearly visible oil and a lamp heart inside. The oil tank is rigidly mounted on a sturdy, heavy, brass leg. The lampshade has a heart-wrench to adjust the light, and attaches a tall glass chimney to shield the wind. The lamp has a shutter to focus the light downwards, not to shine on the ceiling or roof. Regarding tables and chairs, a well-off family returns to Binh Duong to buy wooden furniture at the local art school of Thu Dau Mot. More picky, then wait for tricks in Hanoi. A house in Phu Nhuan street on Phan Dang Luu street still retains a cupboard of conch-conch, purchased in 1928, at the Hanoi trickery house, until now still intact. On Catinat Street (Dong Khoi), French rattan chairs and Northern furniture are sold. The North Seats are not as sophisticated, but cheaper. Or go to Cholon to buy chairs for Chinese making. Some rich people ordered chairs, collapsed three walls made of rosewood to take place in China and imported them. There are elaborate houses in every detail in household utensils, using silver mosquito net, tortoise shell, ivory, ivory hammock … Although comfortable, not every home can buy good things. The second-hand shop on Lagrandìere Street (Ly Tu Trong) sells many things, including brand-new items from merchants. The Chinese bid an entire street here to display peanuts-casseroles. They also opened two more rows of peanut-casseroles outside Cho Moi (Ben Thanh market) on Espagne (Le Thanh Ton). There are all sorts of household items such as cups, bowls, saucepans, pans, and furniture. Despite being peanuts, buyers from all walks of life. Comfort in the home is high or low depending on the employer’s wealth, knowledge, and aesthetic level and their needs. It also shows consumer trends, perceptions about the beauty of the population at that time as well as the responsiveness of the market. Those are quite interesting suggestions for researchers, about the urban lifestyle in the past.

1. Fika Getogether Possessing an ideal river view, the cafe is designed with main white tones. Furniture made of wood, rattan combined with coconut and cactus creates a brilliant tropical space. Virtual followers can take pictures in cacti rows, tropical resort-style lazy chairs … here. Spacious space, suitable for groups of friends or family. If you want to sit in the outdoor area, you must arrive early because the restaurant is often crowded, especially in the evenings and weekend mornings. Address: Dien Bien Phu, Binh Thanh District Price: 35,000-75,000 VND Opening hours: 7-22h Photo: Fika Getogether. Evaluate: Nguyen Truc Thien Di: “The shop has a spacious, airy, beautiful view. Drinks are made quite well, beautifully decorated and delicious”. Nghi Tran: “Easy to find location, spacious parking space. Friendly and enthusiastic staff. Diverse menu, high price”. Hoa Bui: “WC is a bit small, many customers will have to wait”. Foodee_1nvekjps: “Fast service but the staff is a bit negligent because the customers are very crowded”. 2. O’palm Cafe The cafe causes fever on tourist groups because of the monumental space with ancient Roman breath. From the entrance to the walls are covered with white stone, the space is arranged with many trees, especially cacti with different shapes and sizes. Antique objects, the main white-brown tones are the background to help you get liked photos. If you want to take commercial photos, you need to contact the shop to avoid affecting the common space. Address: Tu Xuong, District 3 Price: 30,000-100,000 VND Opening hours: 8-22h Photo: O’palm Cafe. Evaluate: Ka KaNg: “Nice shop, suitable for virtual live photography, but the service is not good”. Anhnguyen1251 Nguyen: “The shop is designed like a photography studio. Sitting in a rather noisy house and the distance of the tables is too narrow”. Tu Nguyen: “The plus point is the good decoration, luxurious colors. The minus point is the poor quality of the drink”. 3. Kàfê The restaurant combines Japanese decoration with tropical style. Fancy architecture with flat roof, rounded walls with large glass doors, creating wide open space. The special feature of the restaurant compared to many places is the black furniture, light gray interior that stands out on the main white tones. The shop has a way upstairs filled with sunlight, dotted with cactus bushes, suitable for virtual life. The menu features elaborate decorative tropical juices. Address: Nguyen Ngoc Loc, District 10 Opening hours: 7:30 – 22:00 Price: 43,000 – 60,000 VND Photo: K KIKA Kàfê. Evaluate: Phn Linh: “Small and beautiful restaurant, suitable for virtual life. Monday to Friday, the country has the same price of 26,000 VND for students”. The story of the anchor: “The shop is not too large but has both indoor and outdoor areas, suitable for working, reading, chatting or dating”. Pham Tien Duc: “The shop is located on a small street in District 10, so it’s a bit difficult to find”. 4. The Bali Coffee & Tea Located close to the river bank of the windy Thanh Da area, the shop is like a miniature green oasis in the middle of Saigon. The scene here is decorated with tropical beach style from the bartender to the interiors. Many small scenes are carefully cared for by the restaurant with pebble sand, green trees and chairs and roof covered with coconut leaves, making diners feel like they are going to the beach. The shop has both indoor and outdoor spaces. You can come here to watch the sunset at the river view. Address: Binh Quoi Opening hours: 8-22h Price: 20,000-49,000 VND Photo: The Bali Coffee & Tea. Evaluate: Thao Tran: “The shop is a bit far from the center. The shop has white decor, many beautiful angles. Friendly staff”. Villay 0110: “The restaurant is adjacent to the river so the air is cool. Affordable price because of the beautiful view”. Tran Tran: “Crowded guests should wait a bit longer”.

Short answer: Accommodation is very important to each of us when we travel. To choose a good hotel room, you should consider the following 4 room types! First, the room has not been cleaned Usually in the peak tourist season, the previous guest can check out, the next guest will check in, the room cleaning service will not be avoided during “rude” times. If we find that the room has not been carefully cleaned, we are not in. Second, the room is near the elevator The elevator is a moving place for people to move and the sound is also relatively noisy if some guests go out late at night. A room near the elevator is also not the best choice at the moment. Third, the room is in a corner position The corner rooms are not square and very narrow, the messy furniture arrangement sometimes makes people feel uncomfortable. So avoid corner rooms if possible. Fourth, the room is far from the service area Often rooms away from the service area will go unnoticed and cleaned regularly. If you are off holiday, the sanitary conditions in these rooms may not be guaranteed. Therefore, when traveling, we have to book a hotel in advance, see clearly how the hotel is decorated and then choose the most suitable booking location by ourselves. In addition, the design, prices or services of each hotel are also different, you should prepare in advance before traveling and check the destinations for the most suitable travel itinerary and take advantage of. fully enjoy the joy.

In 2017, Tim Davidson (Florida, USA) got her “ultimatum” to live separately, starting an independent life. As a lover of minimalism, Tim decided to focus on only the essentials: the bedroom, the living area, the kitchen and the entrance. So a small home would be the perfect solution, according to Bored Panda. Tim then bought a 25-square-foot mobile home for $ 70,000 and named it Tiffany. “I just feel that it perfectly suits me. The layout of the house is exactly what I want, it works very well and has everything I need, “Tim said. The house has 2 loft, a fully equipped bathroom, living space and kitchen as requested by Tim. Indoor spaces are well utilized, from space-saving smart furniture to modern and cozy motifs. Tim and girlfriend can completely live comfortably in this house. After having Tiffany, Tim started looking for a land to live in for a long time. He found a small island also in Florida on the Zillow real estate website for $ 200,000. “It was raw land and was not used for anything, not even an address,” Tim said. When moving to the island, Tim realizes that Tiffany can be unsafe if there is a storm or strong winds. So he started asking for permission from the city government to build another house on the island. His second house and his girlfriend have a solid octagonal shape, measuring 29 square meters. “The roof trusses are like spokes on a wheel, if one is pulled up by a hurricane wind, the rest will act together to keep the roof stable. This house is guaranteed to be solid for 50 years.” “Tim explained. In normal weather, he rented out a second house to get more income. The interior of the second house is simply decorated, modern and also makes the most of the space. Because of the octagonal shape, the house feels spacious, filled with natural light. In addition, the island of Tim also has a small warehouse surrounded by glass, used as a gathering place for eating, receiving guests or a common living space. “I am very satisfied with my little paradise. A living space that is both quiet, fresh and comfortable”, said Tim. The American boy and his girlfriend also set up a separate Instagram page to update photos of the houses and life on the island, attracting more than 12,000 followers.

According to records, this is the settlement of the 27th descendant of Zhuge Liang. This village was also the largest residence of descendants of Gia Cat in the mid and late Yuan Dynasty.

Why is this Zhuge village said to be the first strange village in China? There are three reasons for this.

First, the vast majority of villagers are descendants of Zhuge Liang, a talented prime minister and military man during the Three Kingdoms period. In other words, almost everyone in the village has the surname of Zhuge Liang or is married to the Zhuge family. There are very few people who are not members of the Zhuge clan.

According to a statistic from the 7th Zhuge Liang Workshop, there are about 16,000 descendants of Zhuge Liang in China. Of these, a quarter (about 4,000 people) live alone in Gia Cat village.

Second, this village is still strange in its subtle and mysterious layout.

Looking down from above, the whole arrangement, distribution of houses, to the alleys in the village all coincide with the Bat Mon map of Zhuge Liang in history.

The topography of Gia Cat village is arranged in the middle of low and flat, the surrounding ascending. Water flows from above and converges in the central area, forming a pond.

This pond is a special feature of Gia Cat village, which is also the starting place for the Bat Battle. The pond is not big, but inside there is water, outside is earth, and has the same shape as Tai chi in the Bat Monster. What a strange thing.

Centered on the pond, there were eight alleys open in all directions, leading directly to eight high mounds outside the village.

In the village, there are also many narrow alleys connected horizontally, in the alley there are thousands of households, many ancient houses are scattered among the alleys.

The alleys near the central pond are at first relatively straight, then gradually fold and expand to the outside. Besides, there are many alleys that are connected vertically and horizontally, which looks like a maze.

It is difficult for outsiders to enter alleys, and even get lost. Therefore, for hundreds of years, no one has dared to enter this village. It has become a secluded place from the world.

Interestingly, the descendants of Zhuge Liang who have lived here for hundreds of years also do not realize the magic of this layout. It was not until the relevant records were found in an ancient book that everyone was at this point.

According to interior expert Nguyen Hien, the first thing to do is to refurbish the house. If it is a rundown house, you can repair and repaint the house to help the space no longer look damp, old. After the house has been dressed in a new coat, you can choose the right paint color for the interior space. Interior expert Nguyen Hien said bright colors such as white, light gray, light blue, and light yellow will make the space appear spacious, bright and luxurious than dark colors.

In addition, you should also minimize the interior to not create a stuffy look for the space. You can use smart furniture, which are integrated with many functions to both meet your needs and save space. Some items you should use are a foldable dining table, a bed with a drawer or a bunk bed if the house has many people. These are all popular products these days, so you can easily buy them in furniture stores.

Finally, to help open the space, you need to make the most of natural light from windows. If it’s a house with lots of windows, you won’t need to worry too much. However, if there are only 1-2 windows, you should arrange the living room and bedroom with windows to ensure that the main living rooms always have fresh light and air.

Currently, there are still many level 4 houses and to improve living space, interior renovation is the right thing to do. Therefore, hopefully with the advice of interior specialist Nguyen Hien, you will be able to own a modern space for your grade 4 house!

Some people only go to the bedroom when it’s time to rest, but many people do most of the activities in this room every day, such as eating, entertainment or exercising. Because of that, they also tend to store many objects in the bedroom. However, there are certain items that you should limit to decorating or placing in this room because of the unexpected harms.

A feng-shui bedroom interior layout will help homeowners feel comfortable and relax after a stressful working day. Besides, it also helps you to work more effectively and have a lot of luck in your life and career.

Here are the items you should avoid to ensure sleep for your family.

Electrical appliances

Electrical appliances are one of the things you should not put in your bedroom. Any electrical appliances, no matter how small, such as chargers, insecticides, … They also have great heat radiation, which has long-term effects on health.

If absolutely not necessary, it is best to keep electrical appliances on the wall away from the bed. The power outlet must be at least 2 meters away from the headboard. Otherwise, when the electric current is flowing, the emitted radiation will be very large, causing bad effects on health.

Do not leave knives and swords in the bedroom

Knives and swords are absolute items that you should not put in the bedroom. Because according to the concept of feng shui, sword knives. And sharp objects are the big cavalries in the bedroom because their killing intent is very heavy. Easy to create work pressure, headache, insecurity, even injury … because of accidental touch.

Do not leave a photo of a deceased person

Remove a picture of a person who is absolutely dead, and you must not take it to a bedroom. Because it is easy to cause daydreaming, drowsiness, sleep paralysis, poor sleep and health problems. It is best to leave it in the living room area, altar or quiet place and worship, worship.

Do not leave objects such as mirrors in the bedroom

Often with women, looking at the makeup mirror in the bedroom is always a favorite thing for women. But in terms of feng shui, if you do not know how to arrange and arrange the mirrors properly, it is not really good. Setting a mirror in the bedroom also easily affects the feelings and psychology of the couple, creating opportunities for the third person …

Especially, if you leave a mirror in the bedroom, you should avoid facing the bed. This is a common mistake and most families do not notice. But it is this setting that makes you not sleep well, easily fall into a state of lethargy, flutter.

Do not leave a statue of a Buddha, a god

Judging from the perspective of belief and respect for the cult, placing Buddha and god statues in the bedroom is a great deal. As for the concept of feng shui, to let the Buddha image mean you are hiding your wealth, making your career undeveloped.

Do not leave relics and antiques

Many people have the habit of collecting relics and antiques and prefer to store them in quiet places like bedrooms. But this habit according to feng shui is what makes homeowners often have no deep sleep. Or daydreaming with bizarre dreams because antiques and relics often come from ancient times and have many secrets.

Nguyen Hien (born in 1992) is known as the Asian beauty of the “Beautiful Flower Ban” contest. Not only possessing an attractive appearance, she is also a successful businessman that many people admire. She currently holds the position of Deputy General Director of Tenochio Vietnam Co., Ltd. providing customers with unique, diverse architectural works, in accordance with the needs and trends of current interior design.

Distribution of colors and layout in the living room

To perfect the design in this direction, a perfect blend of furniture and simple accessories is needed. From carpets, sofas, angled racks all contribute to expanding the space.

Rough, rough brick walls also create a unique highlight. This is considered a popular small living room decoration, chosen and applied by many homeowners.

Layouts in a small living room should be well divided.

In particular, color is a very important element in the design of a small living room. The walls, colorful furniture will make the space never boring, monotonous or dull, but always full of youthful vitality.

To deceive the vision and create airiness, spaciousness, homeowners should use glass doors for the living room to save space and have a view to the outside. This helps you take advantage of natural light for the room, making the room more airy.

The space when looking through the glass door brings a feeling of vastness, immensity, without clear borders, making your home space more spacious.

Glass doors make space extremely spacious.

Smart in interior selection

For a living room with a small area, the homeowner should prioritize matching furniture. For living rooms with a small area, you need to choose furniture with the right size to create the right correlation for the viewer. Thus, you can save space to use for other things.

Homeowners choose furniture with a simple and slender design, which is also an effective way to help the living room always be more airy and spacious.

Moderately sized furniture for a small living room.

A small room cannot accommodate too many interiors, so multifunctional smart furniture will be the perfect choice for homeowners. Multifunctional interiors are made for small, narrow spaces. Homeowners can use a multi-purpose table to fold in when not in use, not being entangled in the aisle. A bed is also a sofa table, under the stairs combined with a locker, … is a very smart choice today.

Decorate living room with striped motifs and abstract paintings

You can transform a small living room space into a larger, colorful striped pattern. This bold design gives a strong impression at first sight, opening up a unique, new and personal effect.

At the same time, abstract paintings create a special highlight for the living room. The elaborate, hard to imagine patterns attract the attention of people more than the area of ​​the house you own.

On April 16, an international coalition of 35 children’s and consumer organizations called on Instagram to abandon the development of an Instagram app for users under 13 on Thursday. For years, lawmakers and parents have complained that Instagram is slow in identifying underage users, which is not conducive to protecting them from sex offenders and bullying. Now, Instagram is advancing the pace of developing an independent children’s version.

However, the aforementioned non-profit organization warned in a letter to Facebook CEO Mark Zuckerberg that the development of a children’s version will not alleviate such problems. They said that children aged 10 to 12 with an Instagram account are unlikely to switch to the “childish version” of Instagram, and the children’s version of the app will also immerse younger users in brushing photos and humiliate the body photos posted by others. (Source: Phoenix Network Technology)

Autonomous truck manufacturer Tucson will land on Nasdaq in the future, with a market value of over US$8.4 billion

In the early morning of April 16, TuSimple, an artificial intelligence and autonomous driving company, officially landed on Nasdaq today. It closed at $40 on the first day of listing, with a total market value of $8.48 billion. In March of this year, Tucson Future submitted an IPO prospectus to the US Securities and Exchange Commission (SEC).

Tucson Future was established in 2015. Since its establishment, it has been focusing on the development of commercial L4 level (SAE standard) driverless truck solutions. In addition, the prospectus shows that from 2018 to 2020, Tucson’s future revenue will be US$9,000, US$710,000, and US$1.843 million; net losses will be US$45.034 million, US$84.883 million and US$177 million, respectively. (Source: Sina Technology)

Bezos signs the last shareholder letter before stepping down as CEO: Amazon must treat employees better

On April 16th, on Thursday, local time in the United States, Amazon founder Jeff Bezos signed the last annual shareholder letter before he stepped down as CEO. In the letter, he put forward a broad vision for the company’s future, and is committed to extending Amazon’s famous “customer first” principle to give employees equal care.

Bezos used the results of a recent union vote in an Amazon warehouse in Alabama as an example to explain why the company needs to deal with the challenges of internal employees. Last week, Amazon received enough votes at its warehouse in Bessemer, Alabama, to thwart a historic union organization movement. If successful, this will represent the first union established by Amazon in a facility in the United States.

Bezos will resign as CEO in the third quarter of this year and transfer power to Andy Jassy, ​​CEO of Amazon’s cloud computing division, AWS. He himself will serve as executive chairman. (Source: Tencent Technology)

Musk: Tesla will hold an “AI Day” event in late July

On Thursday, U.S. local time, Tesla CEO Musk said that the company will hold an “AI Day” event in late July this year. There will be the latest information about the company’s various projects in the AI ​​field, especially its name Dojo. Supercomputer project. In August 2020, Musk announced that Tesla is developing a neural network training computer called Dojo for processing “massive video data.”

In the fourth quarter 2020 earnings conference call, Musk hinted that Dojo may be a potential service provided by Tesla. (Source: Tencent Technology)

Huawei’s first public test ride of self-driving cars

According to Xinhua News Agency, on April 15th, the HI version of BAIC New Energy Polar Fox Alpha S equipped with Huawei’s autonomous driving technology conducted a public test ride in Shanghai. This is also the world’s first public test ride of Huawei’s autonomous driving technology. It is understood that the driving conditions of the on-site test vehicles are relatively stable, and they can realize automatic driving without intervention in urban commuting under conditions such as traffic lights starting and stopping, unprotected left turn, avoiding vehicles at intersections, giving way to pedestrians, and changing lanes. Huawei’s rotating chairman Xu Zhijun said: “The R&D team told me that Huawei’s autonomous driving can achieve 1,000 kilometers of autonomous driving without intervention in the urban area.” (Source: Xinhua News Agency)

Walmart invests in Cruise self-driving taxis, raising funds to US$2.75 billion

On April 16th, it was reported that Cruise, which deployed autonomous taxis in San Francisco and Dubai, attracted Wal-Mart in the process of expanding fundraising. The current fundraising has increased to US$2.75 billion. Cruise said that its capital was later valued at more than 30 billion U.S. dollars. Wal-Mart and several unnamed institutional investors increased their funding in the $2 billion equity round announced in January, which was led by Microsoft.

The two companies did not disclose the specific amount of Wal-Mart’s investment. Cruise, an autonomous vehicle subsidiary of General Motors, is also supported by funds managed by Honda, SoftBank Vision Fund and T. Rowe Price. (Source: cnBeta)

Taobao and Cainiao Station in Beishanghang launched courier on-demand door-to-door service

According to news on April 15th, Taobao and Cainiao Station jointly launched Taobao parcels on-demand delivery in the three cities of Beijing, Shanghai and Hangzhou. So far, more than 90% of the sites have opened this service. According to reports, after the Taobao package arrives, consumers can choose to deliver it to their door or pick it up at the station through the Taobao App on their mobile phones. Both services do not incur any costs. Cainiao Station said that this service will be rolled out to the whole country one after another. (Source: 36Kr)

Weilai and Sinopec have reached a cooperation, and Sinopec will have 5000 charging and swapping power stations in 2025

On April 15, Sinopec and NIO signed a strategic cooperation agreement, and Sinopec Chaoying Station, the world’s first smart switching station, was officially put into operation. Zhang Yuzhuo, chairman of Sinopec, said that by 2025, Sinopec will have 5,000 rechargeable battery packs. Li Bin, CEO of Weilai Automobile, said that Weilai has replaced 201 power stations nationwide. Weilai’s first second-generation power station was officially launched at the Beijing Sinopec gas station (the 201st). (Source: Fortune Chinese Network)

Chen Rui, Chairman and CEO of Bilibili: China’s online video users will exceed 1.2 billion in 5 years

On April 15th, Chen Rui, Chairman and CEO of Bilibili, stated at the opening forum of the 8th China (Shanghai) International Technology Import and Export Fair that the video conference is a very big wave in the Internet field. According to data from the China Internet Information Center, as of December 2020, the number of online video users in China has reached 927 million.

Chen Rui said: “According to the current growth rate, I think that the number of online video users in China will exceed 1.2 billion in 3 years and 5 years. In other words, in almost 5 years, all Internet users will become video users. “(Source: Shanghai Securities News)

Digital RMB is tested in Hong Kong, involving application scenarios such as cross-border payment

On April 15, a spokesperson for the Hong Kong Monetary Authority stated that the technical test of digital renminbi for cross-border payment in Hong Kong went smoothly. The test involved the Bank of China (Hong Kong) designated by the People’s Bank of China and the bank employees (about 200) invited to participate in the test. Name) and merchants, the main scope includes testing related applications, system connections, and application scenarios of digital RMB for cross-border payment.

The Monetary Authority is currently discussing the next phase of the test plan with the People’s Bank of China. It will conduct technical tests on further expanding and deepening the application of digital RMB for cross-border payments. (Source: World Wide Web)

Does New Oriental Online lay off 20% of its staff?Official response

On April 15th, a media broke the news yesterday that the online education company New Oriental Online had layoffs in the past month, involving multiple positions such as keynote teachers, teaching guidance, and operations in the large-scale class business of primary and secondary schools. The indicators of layoffs vary from department to department. About 20% of the lecturers in the middle school department have resigned. In response to the report, New Oriental Online clarified that New Oriental Online does not have any action or plan to lay off employees, let alone “reduction indicators for various departments,” and there is absolutely no 20% layoff indicator for the Middle School Division. (Source: TechWeb)

Exposure to Huawei’s annual flagship P50 series released in June: Kirin 9000 + liquid lens

In accordance with past practices, Huawei will launch a new generation of flagship mobile phones at the end of the year-Huawei P50 series in April. This year, the Huawei P50 series has been postponed repeatedly. On the 15th, someone close to Huawei revealed that the Huawei P50 series will be officially released in June.

According to previous news, Huawei’s P50 series will continue its previous strategy, launching a total of three versions of Huawei P50, P50 Pro, and P50 Pro+. The configurations of these three models are gradually increasing, and the cores are equipped with Kirin 9000L, Kirin 9000E, and Kirin 9000. It is worth mentioning that the Huawei P50 series has ushered in a major change in appearance. Its front completely discards the previous “pill-style” hole-digging screen, and the entire system comes standard with a centered single-hole screen.

In addition, the rear camera module of the Huawei P50 series this time has been replaced with a new design again, using a very unique dual-ring scheme. The multiple cameras are arranged in the ring, and the flash and the Leica logo are located in the two rings. The central part is highly recognizable as a whole. Among them, Huawei P50 Pro+ is expected to be equipped with a stronger liquid lens, which can bring a “two-in-one” effect, so that a camera has both macro and telephoto functions, and can achieve faster focusing speed. (Source: Fast Technology)

The first exposure of the small-screen flagship iPhone 13 mini CAD model: a major change in appearance

Recently, some netizens exposed the CAD model design of the iPhone 13 mini for the first time, showing the ID changes of the iPhone 13 mini compared to its predecessor. According to the picture, the iPhone 13 mini has basically inherited the design ideas of the previous generation, still adopting the square frame design, but the rear camera part has brought a brand new design, a breakthrough in the use of a diagonal dual-camera solution.

Unfortunately, the model diagram did not show the frontal plan of the iPhone 13 mini, but according to previous reports, Apple will equip the entire iPhone 13 with a small notch screen. This is also the first time Apple has used the notch screen in four years. (Source: Fast Technology)

Honor may launch its first folding screen phone Magic X in the second half of the year

On April 15th, Tencent News “First Line” reported that Honor Mobile will launch its first folding screen mobile phone in the second half of this year, named Magic X, and the screen supplier is Visionox. Earlier, a digital blogger broke the news that Magic X is a folding screen of glory, which is the top flagship of Huawei’s Mate series. According to the company’s information, Honor Terminal Co., Ltd. has applied for the MagicX trademark on February 8. (Source: Sohu IT)

DJI Air 2S drone released: 1-inch 20-megapixel sensor, 6499 yuan

On the evening of April 15, DJI officially released the DJI Air 2S drone. This new product upgrades the camera to a 1-inch outsole CMOS with a single pixel size of up to 2.4μm and supports up to 5.4K (5472×3078) 30fps video shooting. In addition, it also supports 4K/60fps, 1080P/120fps video shooting, and provides H.264 and H.265 encoding with a maximum of 150Mbps.

This drone is equipped with a 3500mAh 11.55V battery with an energy of 40.42Wh. The UAV has a take-off weight of 595g, a maximum flight time of 31 minutes, a hovering time of 30 minutes, and a maximum range of 18.5km. The price is 6499 yuan, and Changfei suits are also available, priced at 8399 yuan. (Source: IT House)

Luo Yonghao responded and became the subject: Investors forced to sign a mandatory share repurchase agreement

On the morning of April 15th, Luo Yonghao stated on Weibo today that a court enforcement related to Hammer Technology that will happen soon comes from a certain investor of Hammer Technology. During the financing process of Hammer Technology in 2017, when all other investors had signed and were anxiously waiting for the life-saving investment funds to arrive, the agency maliciously refused to sign. It was very bad for the company to take advantage of the crisis and forced me to personally sign. Mandatory share repurchase agreement. As the founder of Hammer Technology, in order to renew the company’s life, he finally had to sign this rogue agreement.

Previously, media reported that Luo Yonghao was enforced by the court on April 12 for failing to fulfill his legal obligations on time. @交个朋友直播间 responded that this is a company debt when operating a mobile phone business, and there are still many cases in progress. in. We will handle it properly in accordance with legal procedures. At the same time, Teacher Luo Yonghao is working hard to make money and is gradually and actively repaying related debts for the company. Please rest assured.

Luo Yonghao said that in the follow-up repayment, he will announce the name of the organization, and also announce the names and heads of the specific person in charge and executor of the rogue incident (quoting news pictures published by online media) to remind future entrepreneurs to pay attention Avoid the bad investors of this kind of rogue. In terms of priority, this money will be paid last after all other debts are paid off.

Luo Yonghao responded on Weibo: In the past year, I can no longer take a plane or high-speed rail/motor train on business trips. To make a friend, the technology company will rent me an RV for business trips. I feel that the company will be able to afford it. The inexplicable expenditure is a little uneasy, so by the way, I invite a business here: welcome RV brands, sellers, and leasers to contact our marketing department. My endorsement fee is only one-half to one-third of the top-tier entertainment star, but the communication effect is usually several times better. At present, I have served a large number of well-known domestic enterprises and customers of the world’s top 500 brands. My characteristics are the integration of product and sales, good reputation for service and responsibility, price restraint, and often accompanied by 4A-level first-class advertising ideas and a full set of new media promotion resources. Simply put… I am a favorite party mad. . In addition, if the partner provides the RV for use, I will spray “Respect the spirit of the contract and refuse to be an old man, and the XX brand RV will work with Luo Yonghao to let the light of the right way shine on the earth.” (Source: Sina Technology)

0416.

Today’s topic

Why is script killing so popular among young people?Script killing has suddenly become the “new favorite” of young people, but do you know the truth behind the script killing industry?

April 16 (tonight) 20:00, Geek Park audio live show “Dashanzi Editorial Department”In the 4th issue, we invited the owner of the “Taishe Script Killing” to talk about the young people and the script killing industry, including but not limited to the following topics:

· How to play script kill?

· What changes have taken place in the offline dating styles of young people?

· Why did the script kill suddenly become popular in various channels?

· What is the biggest cost of running a script killing shop?

· How did you discover the track where the script was killed in the first place?

· Are there scripts to kill similar tracks abroad?

If you are interested, welcome

Image source: Visual China

For reprinting, please contact geekparker on WeChat

Illustration.

These objects not only show the complete and respectful owner, but also symbolize prosperity, full of wealth and long-term prosperity.

Phung Phuong Feng Shui will help homeowners place the altar of the God of Fortune properly with the above items!

Salt

Since ancient times, salt has been a precious asset, symbolizing a pure, strong will and carrying within itself the meaning of saltyness.

Place the salt jar in the middle of the rice jar and wine jar on the Than Tai altar to wish for a passionate, full and prosperous love life.

Rice

Considered “the pearl of heaven”, is the main source of food to feed people, moreover it also implies pristine purity.

Ordering rice jars is a way of expressing deep gratitude to the Gods who have given us a wet rice civilization and yearn for a full and prosperous life.

Alcohol

Wine is the drink of the gods, the wine is hot, natural, so it will be placed on the left hand side, along with the God of Fortune in the direction of the altar.

Tray of 5 cups of water

The tray of 5 cups of water represents Ngu Phuong Ngu Tho Long Than. If salt, rice and wine are placed behind the incense bowl, a tray of 5 cups of water must be placed in front of the bowl of incense with the meaning of Minh Duong condensed.

But according to the feng-shui concept of “Son of management, Thuy Thuy fortune”, placing water in front will help accumulate wealth for homeowners.

In addition to the necessary items above, you should sometimes add items to gather talent and close talent to bestow more prosperity and attract strong fortune.

* Information in the article is for reference and contemplative purposes.

1 / Construction site: Barcelona, ​​Spain

This strangely shaped space has many strange features: French doors opening to balconies, hidden work rooms, separate entrances, seating areas and dining areas. But in spite of the non-square shapes and angles, the layout of the house after repair is still very beautiful. An important part of this success also came from the layout of the long sofa, which served as a dividing wall between the rooms.

2 / Construction site: USA

Perhaps, at first glance, you do not realize that the house has a rather strange curved angle. Thanks to the symmetrical arrangement of the interior and decorative details, that unbalanced curvature has almost been made ‘invisible’.

3 / Construction site: Stockholm, Sweden

Instead of trying to hide the ‘blooming’ characteristic of this room, the designer chose to take advantage of them proactively. The designer has arranged the interior and cabinets close to the wall, creating the feeling that the space is opened up in an airy and spacious way.

4 / Construction site: London, England

Many homeowners will be annoyed by this ‘ungainly’ staircase when trying to take advantage of the multi-storey space on a narrow premises.

Arranging sharp diagonal lines to overcome the inconvenience of stairs is an effective way to allow you to have both a staircase and a functional kitchen cabinet. It also proves a fact: You don’t have to find a way to hide such ‘difficult’ slopes.

5 / Construction site: Sydney, Australia

Architectural curves are often seductive and sexy; however, if you are tasked with placing regular square, rectangular furniture in a room with curved walls as shown in the picture then that seems like an ‘impossible’ task. So, if your house is ‘lucky’ to have a curvy shape or wavy features as shown in the photo, then maybe it’s time you get used to circular rugs or curved sofa sets, set specifically for fit the size and shape of your curved room.

6 / Construction site: London, England

Both like a room, both like a steps, and like a landing, intelligent design has turned a difficult design problem into a creative architectural product for a cohesive space. puree indoor elements and outdoor features.

In addition, the 3D image also shows that the rear camera layout has a slight change in position. Two large circle cutouts with two smaller cutouts are placed diagonally together. In it, two large circles are predicted to be the camera lens while two small circles can be LED flash and microphone.

Also, up front, we see three cuts on the notch. As you can see this time, Apple has brought a smaller notch on the iPhone 2021 as seen in the previous leaks. Because the speaker unit is moved above the cameras. There is no clear information about the cutouts on the front of the device but it will most likely be the IR camera, Dot projector, and selfie camera.

The Apple iPhone 13 series is said to be equipped with the Apple A15 chipset, an improved ultra-wide camera, Qualcomm X60 5G modem, up to 1TB of memory and 6E Wi-Fi support.

As mentioned above, the biggest change will be that the LTPO display panel supports a 120Hz refresh rate on the ‘Pro’ variants.

Previously rumored rumors indicate that the next generation of iPhone is expected to be introduced by Apple in the third week of September.

According to Gizmochina

Feng Shui Phung Gia said that the layout of the office, whether at work or at home, has an impact on his own spirit and fortune. Just changing certain furniture in the room or on the desk can change the owner, but if these changes are not good or in the wrong direction, it can make things difficult to succeed.

Here are 3 great things to do to help a smooth job and a good career:

Choose a favorable job position

The working position to help work smoothly and support career expansion and promotion is the location of Quan Loc Palace, located in the North of your home.

Besides, you should also choose a seat facing the door with a fulcrum to create a solid career.

Place a small pot of water on the work table

Water is an indispensable factor in feng-shui, there is a saying: “Son of management, watermelon,” placing a small pot of water right on the desk will help attract fortune, besides, it also helps to keep the mind sane. , dispelling the miasma that makes the owner tired, down to the spirit.

Avoid clutter

Feng shui also pays attention to the movement of air around it. Cluttered piles of files, sprawled stacks of books or other messy pen and paper objects on the desk will obstruct the flow of gas.

Therefore, at work, priority should be given to classifying and solving backlog, avoiding the lack of orderly to distract or delay progress.

By doing the above 3 things, you also help your work more smoothly and smoothly. Of course, if you want a career advancement further, you will have to resonate with your own efforts.

* Information for reference and contemplative purposes.