This is where a family of 3 generations lives. Mai Tu Anh shared, the condition of the house before repair was very shabby, sloppy, dark and full of rats and cockroaches. Not to mention smelly and unhygienic sewers. Tu Anh runs an online business but is an interior enthusiast, always dreaming of living in a comfortable, professionally designed house. Many times, she dreamed of buying a new house or rebuilding it, to make it a reality. However, the economy does not allow it, the current house has many advantages: Near the school of 2 children, near the grandmother’s house, only fifteen minutes to the old town. In the end, the couple decided to renovate their damp, run-down townhouse. The old kitchen smelled of musty, musty moss. Some people advised her to consider it, because anyone with enough money to do such a renovation. However, the results after completion surprised everyone. The messy townhouse suddenly “transformed” into a luxurious home thanks to the architect’s hand. “After every hour of stressful work, looking at the clean and airy kitchen, eating a real home-cooked meal together, I feel poor but happy,” Tu Anh confided. The new kitchen uses pastel blue and pink tones. At the same time, there are additional windows to help circulate air and eliminate odors. Dining place with eye-catching colors, tiled floor with vintage motifs. The overall kitchen is modern and luxurious. Tu Anh added that her house has undergone 3 home repairs so far. For the first time, 2 years ago, she and her husband renovated the house on a small scale, but the cost was too expensive, the cramped and messy situation continued. Things are still not as I expected. The second time a year ago, she remodeled the small bedroom. This time, she hired a professional design agency and felt very satisfied. The bright and clean new kitchen corner is an inspiration to help Ms. Tu Anh cook a family meal. The bowl rack can be moved up and down, convenient for arranging dishes. For the third time, at the beginning of 2021, she rented the unit that used to repair the small bedroom to design the master bedroom and kitchen. “The third time I repaired, I signed up for the industrial cleaning package. When finished, the house is clean, just need to move in, don’t have to clean up, “said Tu Anh. Because the two children still haven’t slept separately, after the renovation, the whole family still has plenty of space to live as well as a place to play for the children. The spacious bed is free to roll and especially the owner tries to minimize the furniture to avoid dust. The total cost of design and construction for the master bedroom and kitchen is more than 300 million, including electronics. “You hire a designer, they will do from drawing, construction, interior installation, cleaning… to decorations, curtains,” Tu Anh said. Over 7 years under the same roof, Ms. Tu Anh and her husband feel very satisfied with their achievements. The entire bedroom is a wedding dress more than 7 years ago. At that time, Tu Anh did not calculate that when having children, many things would arise. Bed 1m8 is cramped, not enough room for 4 people, must put an extra bed for children. The floor is rotted due to termites, so it should be carpeted. The new bedroom is scientifically arranged to make the furniture more neat. The extra bed of the big baby is also minimalist to fit under the bed. The balcony is removed, making it a reading corner, a storage cabinet. The makeover is considered by many to be “worth the money”. The wardrobe plays bare, for Ms. Tu Anh contains the “world” of fashion with countless accessories. Small bedroom cum office and study room. Because this bedroom is small, the architect closes a monolithic bed system. Tu Anh’s mother-in-law still wants to keep all the living room furniture, so she only paints it, closes the plaster ceiling and installs more led lights. At the entrance, there is a closet for shoes, a very convenient place to wear shoes. New replacement iron gate, suitable for the house aesthetic.

After surveying the current situation, the AD9 Architects team and the owner wanted to take advantage of the old structural framework and start design work based on what was still in use of the house. Before the repair, the two-storey tube house was degraded, the interior space was hot, lack of light, designed in the old style. The architect has planned to renovate the whole house, bringing a comfortable and beautiful living space to the owner. The architect has retained the entire structure of the house, designed the floor space, changed the height of the mezzanine, bringing a significant change in interior design and façade in a modern style, in line with the trend. . To fully address the functional needs, the AD9 Architects team built more second floor space and combined terrace. The current status of the old mezzanine floor is low, the new design of the architect creates a difference in the floor cos (elevation), so it is necessary to change the height of the mezzanine. The architects have come up with a plan to change the color in accordance with the modern trend, including two colors of white and gray. In addition, there is a small garden design in many corners and facades to create a green area for the house, bringing a pleasant feeling, making the house more prominent in the neighborhood. The furniture such as tables, cabinets, shelves are selected to be simply arranged to meet the essential needs of the family. The door opens to the green space to access the facade. The house is wide enough for the AD9 Architects team to organize the traffic volume along the transitional space axis. Here, the space of the skylight is gradually expanded vertically to get the most reasonable convection system for dynamic and static spaces. Sufficient natural light from the hallway, the transition into the bedrooms. From the outside in, the natural elements create the necessary balance, and the activities inside the house also become better and healthier. The architect also designed the atrium to take advantage of natural light for the house. The stairs have iron material and are also painted white to match the color of the walls. This atrium takes in natural light very well, combined with green trees on many floors to make the house space airy and comfortable. Decorative green plants are also cleverly used in the corners of the room, bringing nature into the space of the house, bringing many benefits to the health of the family. A private worship space is located on the top floor. Other spaces, including the bedroom, were completely replaced with wooden floors and walls painted with the dominant white color.

Digital RMB passive visual card.Xinhua News Agency

“Capacity expansion” in the pilot areas, expansion of the “whitelist” population, and trial linkages between pilots… The recent digital renminbi testing activities have attracted attention. At present, the digital renminbi has formed a pattern of “ten places and one scene”. With the implementation of a large number of pilot scenarios, how is the use and promotion of digital renminbi? What changes will it bring to your payment life? 1 The “10+1” pattern has taken shape Digital RMB “Flower” Refurbishment “I was envious of the wave after wave of experience activities in the pilot area before. I didn’t expect that in a blink of an eye I would be able to use digital renminbi to pay at the hospital.” Talking about the experience of using digital renminbi to pay at the window of Shanghai Tongren Hospital, Ms. Cover your excitement. By October 2020, six pilot areas of Shanghai, Hainan, Changsha, Xi’an, Qingdao and Dalian will be added to the digital RMB. In addition to the previous pilot areas such as Shenzhen, Suzhou, Xiong’an New District, Chengdu, and the Beijing Winter Olympics, the digital RMB pilot has formed a “10+1” pattern. With the expansion of the pilot area, the number of people who test digital renminbi has also grown substantially. Shenzhen launched a round of exclusive discounts for digital renminbi consumption from April 10 to 23, and the test population was expanded by another 500,000. In pilot areas such as Beijing and Shanghai, major state-owned commercial banks participating in digital renminbi research and development are actively promoting digital renminbi wallets to customers, and more and more experienced customers have entered the “whitelist” management. At the same time, the digital renminbi “flowering method” is constantly being renovated: from “sending red envelopes” to full consumption reduction, from offline to online, from mobile apps “scanning” to video cards and other hard wallets “touching” …The application scenarios of digital renminbi gradually cover multiple fields such as life payment, catering services, transportation, shopping and consumption, and government services. “So far, the digital renminbi pilot program has been quite successful.” Li Bo, deputy governor of the People’s Bank of China, said at the Boao Forum for Asia 2021 annual meeting that he is considering allowing more cities to conduct pilot programs to cover more usage scenarios and further strengthen Ecosystem construction. Recently, new event news came from the digital renminbi pilot program: in the “Five-five Shopping Festival” series of activities jointly held in Suzhou and Shanghai, digital renminbi red envelopes will realize cross-regional payments. This is the first time in a pilot activity. Prior to this, most of the digital RMB red envelopes were distributed by the local government and used by local merchants. However, the digital renminbi recharged by experiencers can be used in pilot areas across the country. “Like cash, one of the characteristics of digital renminbi is legal repayment.” A relevant person from the central bank introduced that as long as merchants have the conditions for acceptance, digital renminbi wallets opened in any pilot area can be used in other pilot areas. . 2

Smooth and stable payment experience

Fund settlement is more efficient

In order to enjoy the digital renminbi consumption discounts recently launched in Shenzhen, Shenzhen Minpeng specially recharged her digital renminbi wallet and enjoyed a full discount of “200 yuan minus 40 yuan” at Shenzhen Luohu Bookstore. “Currently using the digital RMB App to check out is similar to other mobile payment methods, simple and convenient.” Ms. Peng said.

Yi Zhaoxia, the sales center manager of Shenzhen Luohu Bookstore, told reporters that the digital RMB payment experience is similar to that of existing mobile phones, and users accept it quickly and experience smoothly. “Especially when there is no network or the network is not good, digital renminbi can be used for offline payment, which improves the convenience and stability of transactions.”

Smoothness is not only reflected in the user’s payment experience, but also brings new feelings to merchant settlement. Jiang Yan, director of brand management of the marketing department of China Resources Vanguard (Holdings) Co., Ltd., told reporters, “When consumers use bank cards for consumption, the fastest way to deposit funds is the next day. Digital RMB can be credited to the account in real time, effectively improving the efficiency of capital turnover.”

The reporter learned that third-party payments such as WeChat and Alipay also need to rely on the bank account system to complete settlement and final confirmation through the central bank’s payment infrastructure, so it takes a long time for funds to arrive in the account. The so-called “real-time payment” of payment institutions is often achieved through “funding”, which contains hidden risks such as misappropriation of funds and credit default.

Experts said that digital renminbi does not rely on bank accounts for fund transfers, and does not require final confirmation of settlement through the payment system, reducing the credit risk and liquidity risk of clearing and settlement. For operating institutions, the reconciliation process is greatly simplified; for merchants, payment is settlement, which greatly improves the efficiency of fund settlement.

3

No change to the existing payment pattern

Promote cooperation internally and externally

At the beginning of the pilot, there was a view that digital renminbi wallets will replace e-wallets such as Alipay and WeChat Pay. However, with the steady progress of the pilot program, people have found that multiple payment methods can coexist, and the digital renminbi has not changed the competitive landscape of the existing payment service market.

Judging from the previous pilot activities, many users can choose to use third-party payment methods to pay for the part that exceeds the amount of the digital RMB red envelope. In the upcoming second “Five-five Shopping Festival” in Shanghai, pilot users in Shanghai may be able to use digital renminbi through Alipay for offline and online consumption.

According to experts, digital renminbi only converts the currency of users’ electronic wallets from commercial bank deposit currency to central bank digital currency, while electronic wallets such as Alipay and WeChat Pay will continue to play their original role as wallet carriers.

While actively promoting internal cooperation, the People’s Bank of China is also actively exploring a feasible path for the central bank’s digital currency to improve the cross-border payment system.

Recently, the Digital Currency Research Institute of the People’s Bank of China, the Hong Kong Monetary Authority, the Central Bank of Thailand, and the Central Bank of the United Arab Emirates jointly launched a multilateral central bank digital currency bridge research project to explore the application of central bank digital currency in cross-border payments.

Li Bo said that the current development focus of the digital renminbi is to promote domestic use. The internationalization of the renminbi is a natural process, and it is necessary to work with international partners to find cross-border payment solutions.

According to Xinhua News Agency

●The current focus of the development of digital renminbi is to promote domestic use. The internationalization of the renminbi is a natural process, and it is necessary to work with international partners to find cross-border payment solutions.

●Digital RMB does not rely on bank accounts for fund transfers. For operating institutions, the reconciliation process is greatly simplified; for merchants, payment is settlement, which greatly improves the efficiency of fund settlement.

●At the beginning of the pilot, there was a view that digital renminbi wallets will replace e-wallets such as Alipay and WeChat Pay. In fact, electronic wallets such as Alipay and WeChat Pay will continue to play their original role as wallet carriers.

Travel destination: Ghent

Wandering Highlights: Van Eyck

From the beginning of the 15th century to the end of the 17th century, Flanders has always been one of the birthplaces of European art, and famous artists such as Rubens, Bruegel and Van Eyck were born. The “Van Eyck Theme Year”, which was forced to stop due to the epidemic last year, will continue to be held this year in the small medieval city of Ghent in Belgium. Hubert van Eyck and Jan van Eyck became the “protagonists”, and one of the most famous works of the Van Eyck brothers “The Ghent Altarpiece” (also known as “The Adoration of the Mysterious Lamb”) is also elaborate After restoration, return to St. Buffon’s Cathedral.

This work was created by the Van Eyck brothers in 1432, and is known as the world’s first real oil painting. As a symbol of the Flemish Primitive School in the 15th century, it opened a new era of European painting. After more than 500 years, the “Ghent Altarpiece” has shown many signs of damage. In recent years, the maintenance of the “Ghent Altarpiece” has been carried out in an orderly manner at the Ghent Art Museum. The painting restoration room in the museum has attracted the attention of tourists from all over the world. Not long ago, the Tourism Bureau of Flanders, Belgium invited Professor Duan Yiqing, the deputy director of the Oil Painting Department of the School of Art and Design of Hebei Normal University, to introduce the era background and image strategy of “The Ghent Altarpiece”, and talked about the painting Many anecdotes about the most stolen world famous paintings.

According to reports, the repair work of “The Ghent Altarpiece” began in 2012. The difficulty of the repair has exceeded the expectations of the experts. They found that there are many repaints on the painting, especially the repaint in 1550, which obscured Van Eyre. Gram 90% of the original. The experts carefully removed the repainted coating and presented the original appearance of the “Ghent Altarpiece”.

After the meticulous restoration of St. Buffon’s Cathedral, the “Ghent Altarpiece” was moved to a more spacious chapel. The tailor-made glass showcase provided the best temperature, humidity and other physical conditions for the famous painting. In the basement of St. Buffon’s Cathedral, visitors can better understand the history of this masterpiece with the aid of augmented reality technology. In addition, during the Van Eyck theme year, Ghent also offers experiences in visual arts, theater, design, food, music, and themed city tour routes.

Beijing News reporter Qu Xiaoyi

Editor Li Zheng proofreads Zhao Lin

Photo courtesy of Flanders Tourism, Belgium

Architect NGHIA-ARCHITECT said that the biggest difficulty facing the architect is to ensure that the renovation is in accordance with the planning regulations and exterior requirements applied in urban areas. At the same time, meeting customers’ needs in changing the original structure to become a more cohesive space for the family. The renovation must be carefully considered and studied to create a unique facade. The outer sun shading layer helps the house to be more introverted and discreet According to the original plan the house had three basic problems that needed to be addressed. Firstly, the old status quo is in a typical form and reveals the inadequacies because it cannot exploit the open space element – a characteristic of garden villas. The architect designed the use of vertical wooden bars as a wind door covering the facade to increase the unique and sophisticated look. The louvre (sunshade) on the façade gives a unique look, although not too fussy but still enough to break the way for the house. This louvre layer contributes to reducing the sunlight that is radiated directly into the windows Second, what is needed to create an open house is to combine the living space with many trees. A corner of the garden overlooking the water with many trees. Family dining area. Third, the effective design layout for the second floor revolves around the idea of ​​bringing more interaction between family members while ensuring essential privacy. Instead of a doorless wardrobe inside the main bedroom, the architect decided to move it outside to connect the bedroom space of parents and children. In addition, the architect decided to invest in a separate play space for the children. A small steel staircase can be reached from the bedroom. The room layout helps to stimulate the dynamism and imagination of young children. The architect designed the second floor around the idea to closely link family members. Simple and modern interior. Another view of the living room has a relaxing sitting corner. The first floor and the second floor are connected by floor clearance. Each space of the house opens up a green space outside through sliding glass doors. Each bedroom space is calculated to have maximum access to the elements of ventilation and natural light. One of the strengths of this project is that each room opens up a green space. The master bedroom has full access to sunlight and wind.