Cartography: Shen Yiling
Internet insurance, playing a little "hi", beware of the false innovation of "selling dog meat by hanging sheep’s head"
Not long ago, the stars Lu Han and Guan Xiaotong announced the news of their love affair, and the fans were boiling. Taobao merchants immediately began to sell "Lu Han Love Insurance", with a premium of 11.11 yuan per order. They promised that if Lu Han and Guan Xiaotong remained in a relationship one year later, the merchants would pay double the amount, and many fans actually took out insurance.
Nowadays, the online world is all-encompassing, and "wonderful" types of insurance emerge one after another: illegal sticker insurance, Xiong Haizi disaster insurance, helping the elderly to be wrongly insured, forgetting to wear long trousers insurance, beauty chef care insurance, gastrointestinal insurance and acne insurance … … There are so many kinds of insurance, only unexpected, nothing impossible.
Most Internet insurance fees are not high, and the cheap ones only need 1 yuan, and "Mao Mao Rain" is thrown at will; More than a hundred yuan, it doesn’t hurt to spend it. In addition, many types of insurance provide customized "packages", and WeChat and Alipay can transfer money. As a result, "my insurance is my master", which is personalized and disintermediated, makes it popular among more and more consumers, especially young people. According to statistics, more than 70% users of Internet insurance are young people from the post-80s to the post-90s.
However, for consumers, some internet insurance is actually not insurance!
First, there are suspicions of fraud and illegal fund-raising. Some types of insurance are not developed and sold by insurance institutions, and the policy has no legal effect. For example, the love insurance sold by a Taobao shop, "99 yuan, married after two years, presented wedding planning and a gift of 199 yuan; After three years of marriage, the amount of gift money has increased to 299 yuan. "It looks sweet, but in fact it hides risks — — The so-called insurance policy is just a piece of paper printed by the merchants themselves. If the merchants run away with the money after the insurance is sold, where can there be a gift to chase?
Zhu Minglai, a professor at the School of Finance of Nankai University, pointed out that at present, some traffic platforms illegally raise funds in the name of insurance, or scatter "bait" with high returns, or forge insurance policies to defraud consumers of funds. These platforms are not qualified as insurance agents. According to regulations, they can only provide customers’ recommendation, insurance price comparison and other services for both parties, but they are obviously selling illegally.
Second, there is a gambling nature, and "online insurance" may be online gambling. In the first two years, some regular insurance institutions sold smog insurance, World Cup regret insurance, pet pregnancy insurance, stock limit insurance and Mid-Autumn Festival moon viewing insurance. Experts pointed out that these insurance "targets" have no rules to follow, and the pricing and terms are not supported by risk data, which is no different from gambling. Fortunately, these "innovations" were all red cards in time by the regulatory authorities.
Third, the merchants are vague about the key information, and the product name is not true. Some Internet insurance clauses are unclear, the relevant information disclosure of insurance institutions is incomplete and inadequate, or the wealth management benefits are exaggerated, the nature of insurance products is weakened, or risk warnings are lacking. The exemption and compensation exemption clauses are ambiguous and misleading, which harms consumers’ rights and interests.
Seimi Zhang, a salesman of a private enterprise in Beijing, wants to insure a health insurance for his children. There is an insurance project on the Internet that 400 yuan can enjoy 300,000 yuan of general illness insurance coverage for an annual premium. He read the terms and conditions briefly and then took out the insurance. This year, his child was seriously ill, and the treatment and operation cost more than 100,000 yuan. When Seimi Zhang went to claim compensation, he discovered that he was insured with supplementary insurance for medical expenses. "Medical insurance reimbursed nearly 80% of the expenses, and I had to pay 24,000 yuan myself. According to the terms, the insurance company will also be exempted from paying 10,000 yuan, and finally only pay me 10,000 yuan. " Looking back at the terms, I found the existing explanations such as exemption and deductible, but they were all marked with relatively small font size. "The feeling is intentional, which makes people ignore these special explanations."
The fourth is the risk of loss or disclosure of personal information. The relevant person in charge of Taiping Life told the reporter that some companies are currently doing business with unqualified third-party network platforms. "It seems that the platform is docked with the insurance institution’s system. In fact, after insurance, insurance institutions still have to manually export insurance information, and then complete insurance through their own online sales, electronic sales or salesman direct sales. This online and offline disjointed operation mode cannot completely retain the insurance trajectory of consumers, and it is prone to misleading sales and difficult claims. " Insiders are worried that if some insurance companies put their customers’ private data on public "cloud" servers, or their own information systems are improperly maintained, it will lead to the disclosure of customers’ personal information.
Experts pointed out that at present, Internet insurance has just started and the market development is still not perfect. The "cheap conditions" such as network scene customization, small premium and technology application are double-edged swords for consumers. On the one hand, return insurance, mobile phone broken screen insurance and other insurance products with scientific pricing based on insurance principles have emerged, meeting the needs of multi-level and diversified risk protection. On the other hand, some "insurance innovations" that sell dog meat by hanging sheep’s heads take advantage of the network to fool and deceive consumers. Although the amount of each order is very low, it is not "high risk", but it is like "psoriasis" in the financial market, which makes people feel uncomfortable.
Not only are consumers easily fooled, but the risks faced by the insurance industry cannot be ignored.
The data shows that in 2012— In 2016, China’s Internet premium income increased from 10.6 billion yuan to 229.9 billion yuan, an increase of more than 20 times; The number of insurance institutions operating Internet insurance business has grown from 28 to 124. Traditional insurance companies mostly carry out internet insurance business through self-built websites or cooperation with third-party platforms. The "insurance boom" of the network platform is unstoppable, and the mobile phone insurance APP software is even more dazzling.
But the risks are also lurking.
The most prominent problem is that the cooperation platform party does not have the qualification, which "causes trouble" to the insurance company. The relevant person in charge of Taiping Life Insurance pointed out that once there are systemic risk events such as collective default or run on these platforms, they will be transmitted back to insurance companies, which will have a serious impact on the operating performance and solvency of insurance companies in that year or even in the next few years. "Some insurance companies carry out credit guarantee insurance business with cooperative platforms, but the underwriting assets are more complicated and the risk exposure is too large." The person in charge said.
Secondly, fake insurance policies are repeatedly banned. The China Insurance Regulatory Commission (CIRC) recently reported a number of cases in which Internet small loan companies were suspected of fraudulently using the name of insurance companies and tying forged "accident liability insurance for small loans" policies to defraud victims of funds. Among them, Shanghai Tengwei Investment Management Co., Ltd., an institution involved in the case, has investors all over Guangdong, Jiangsu, Hebei and other provinces and cities, and the investment amount ranges from several thousand yuan to more than 100,000 yuan. The institution claims that its loan products are guaranteed by "Pacific Factoring Agency" and has also issued a "online payment account security liability insurance" policy to customers, but Pacific Property Insurance has never cooperated with this institution. Others make fakes and insurance companies lie down, and they have to bear the reputation risk of "damage is easy to repair".
There is also data pricing risk. The person in charge of Ping An’s "One Account Connect" believes that due to the lack of relevant historical data accumulation and application, Internet insurance may have a big deviation in the operation of innovative business. "The virtuality of the Internet itself will also produce various ‘ Pseudo data ’ , affecting accurate pricing. "
Information and technology security risks can not be ignored, including legal risks such as customer information leakage caused by improper online operation of employees, reputation risk caused by insufficient offline service ability, and sickness insurance caused by non-face-to-face transactions.
"In the Internet age, insurance operations can break through geographical restrictions and break down industry barriers. Once risks occur, they will spread quickly." Zhu Minglai believes that insurance products are naturally social and public welfare, especially internet insurance, which covers a wide range, with more than one billion new policies each year and a huge customer base. The negative impact caused by group surrender and claims disputes will not be limited to the economic field, but will also extend to the social field. "In addition, if Internet insurance always gives consumers the impression of ‘ Bo eyeball ’ ‘ Not reliable ’ That is undoubtedly destroying the development ecology of the industry and shaking the foundation of the development of the industry. This is the biggest risk of the industry. " Zhu Ming said.
Strengthen corporate responsibility, improve collaborative supervision, keep an eye on the "blacklist" and make good use of "big data"
"The insurance products in the Internet and mobile apps are very strange. How do I know who is real and who is fake? Taobao shop sells insurance. Is this under the control of CIRC or the Industrial and Commercial Bureau? If it is illegal, should the platform take responsibility? " Ms. Xu, an employee of a bank in Beijing, believes that Internet insurance is developing by leaps and bounds, and supervision should be strengthened.
On October 13th, 2016, the China Insurance Regulatory Commission issued the Implementation Plan for Special Remediation of Internet Insurance Risks, which warned against misleading behaviors such as misrepresentation, one-sided or exaggerated publicity of past performance, illegal promise of income, cooperation between insurance companies and third-party network platforms without business qualifications, and illegal Internet insurance business by non-licensed institutions.
"According to the existing regulatory framework, only licensed institutions can sell insurance, and only those that meet the core requirements such as actuarial laws ‘ Insurance ’ It can be called insurance, but the situation in the market is still quite serious. " Insiders pointed out that the Internet has a wide range of layers, and it is not possible to rely solely on a certain regulatory department to purify the Internet insurance market. It requires the coordinated governance of financial, industrial and commercial, information and other management departments.
As far as the insurance industry itself is concerned, the insiders believe that the following aspects can be "done right away":
"In terms of product development, no matter what the third-party platform proposes ‘ Brain hole ’ Insurance companies should follow the product development process and strictly control insurance risks; In terms of operation, establish an effective internal control system, strengthen the management of sales behavior, and ensure that the business is flawless and there are no major business risk events and reputation risk events. " Zhu Ming said.
The relevant person in charge of Taiping Life Insurance said that insurance institutions should resolutely stop cooperation with third-party platforms that do not have business qualifications and online lending platforms that provide credit enhancement services, set up fund pools and illegally raise funds. At the same time, consumers should be reminded to regularly check the product contents in industry associations or insurance companies in official website and obtain product information from formal channels.
"For underwriting risks, operational risks, information security risks, etc., we should improve the technical level and establish network security ‘ Moat ’ 。” Qiu Hui, deputy general manager of Ping An Health Insurance Technology Center, said, for example, intelligent analysis based on big data is carried out for product pricing, and accurate pricing is carried out according to multi-dimensional data such as history, region, market and reinsurance to ensure controllable risks; For operational risks, insurance companies should conduct strict process and authorization control through various authorization, upgrade and encryption systems to ensure that limited and authorized internal personnel can carry out specific operations; For external information access, sensitive data is limited to the customer by applying various intrusion detection, firewall, encryption and other technical means, and strict access control is carried out before, during and after the event to ensure information security.
Not long ago, SF Express made the sender and receiver "see the code but not the name" by scanning the code to prevent the customer information on the face sheet from being leaked. Insiders suggest that insurance companies should also form a closed-loop transaction with the help of third-party platforms, and customer information input, transfer payment, etc. are invisible to third parties.
How should the regulatory authorities plan ahead?
"The premise is to encourage innovation and reserve space for the healthy development of Internet insurance with an open and inclusive attitude. At the same time, effectively protect the rights and interests of consumers, focus on strengthening supervision in product development, information disclosure, information security, landing services and third-party platforms, and enhance the transparency of Internet insurance business. " Zhu Ming said.
Taiping Life suggested that regulators should strengthen the management and sharing of information on responsible subjects related to illegal and untrustworthy behaviors in the insurance field, and form a regular notification and publication mechanism, such as the blacklist of third-party online platforms for Internet insurance, so as to further strengthen the risk prevention and control of the insurance industry and effectively isolate the transmission of other risks.
In addition, the current industry data is scattered, which is divided into insurance companies, industry platforms, front-end customer APP import data, mid-end intermediaries, channels, claims, call data, back-end financial receipt and payment data, and so on, and there are many kinds and complexities. The insiders suggest that a big data platform should be established as soon as possible, the standards for data storage and transmission should be unified, and data from different systems should be opened, and then data mining should be carried out according to different needs, so as to strengthen the application of big data in anti-claims fraud and optimize products and services for the industry. Provide basic services.
Automobile forklift. Find a different place.
Both cars and forklifts have four wheels and a steering wheel.
Forklifts have one more set of forks than cars.
A manual transmission car is equipped with a throttle, a brake and a clutch.
Forklift trucks also have throttles, brakes and clutches.
Cars eat gasoline.
Diesel oil for forklift trucks.
When a motor vehicle is driving on the road, it shall hang the motor vehicle number plate, place inspection marks and insurance marks, and carry the motor vehicle driving license with the vehicle.
According to the "Regulations on Supervision of Special Equipment", it is clear that forklift trucks can only be used for factory operations, and forklift trucks are not road traffic vehicles, so they can’t be directly on the road and can only be transported by other vehicles.
A motor vehicle driver’s license is a legal document issued by the traffic management department of the public security organ to permit driving a certain type of motor vehicle.
Forklift is not a motor vehicle, but one of eight kinds of special equipment. According to the relevant laws and regulations of special equipment, it should be obtained after passing the examination of special equipment operators."forklift driver (code N1) qualification"After, holdSpecial equipment safety management and operator certificate, can drive a forklift to work.
Is the certificate examination "double standard"?
Applying for forklift driver’s qualification is the same as applying for motor vehicle driver’s license, and you can’t apply if your physical condition doesn’t meet (such as color blindness).
To apply for forklift driver qualification, you should also take theoretical examination and practical driving operation examination.
Backing into the warehouse and starting at a fixed point on the ramp are the basic requirements in the motor vehicle driving test. In the forklift driver qualification examination, not only the ramp project needs to be completed, but also the forklift needs to carry heavy objects to complete the warehousing operation.
The motor vehicle driver’s license examination mainly examines the driver’s vehicle driving skills. Forklift, as a short-distance handling and loading and unloading equipment, can only be used in the working area.Both vehicle driving skills and loading and unloading operation skills should be assessed at the same time.. Therefore, candidates also need to complete special items such as in-situ rotation, stacking and unpacking, and fork lifting.
Forklift, as a "dangerous" special equipment, is likely to have unexpected safety accidents during the examination. For example, a careless operation by the examinee may bump into the guardrail, or the goods may tip over …
fork
vehicle
exam
site
As the first intelligent indoor forklift examination room in China, the Municipal Special Inspection Institute has realized all-weather "business" and humanized scheduling, without fear of "sun and rain", providing candidates with a safe, reliable and comfortable examination environment. The forklift intelligent examination system integrates many digital communication technologies, such as IOT technology, automatic control technology, wireless data acquisition and transmission technology, and realizes the full intelligent examination mode of foreground examination and background automatic grading, which further improves the examination technology level and service quality.
Automatic examination evaluation ensures fairness and justice.
Equipped with multiple safety devices to protect candidates
(Cross-border protection, impact automatic flameout protection, safety supervision, etc.)
If "knowing how to drive" is an important skill in urban life, then "knowing how to drive a forklift" is almost an essential skill for modern enterprises to operate. Forklift trucks are widely used in stations, docks, airports, warehouses, construction sites, cargo factories, etc., but forklift trucks and motor vehicles are not the same in essence.Forklift drivers with special equipment safety management and operator certificate can only work at their posts after passing the "N1 Qualification" exam., safe operation can not be sloppy.
Contributed by: Municipal Special Inspection Institute
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On August 3rd, Beijing time, after the free and trading market came to an end, the American media fadeawayworld selected the top 10 cost-effective players in the new season, among which two of the Rockets who ended up being ruined were selected, and Wei Shao, who lost his worth, ranked fifth.
10th place: Jay Green ($9.891 million, 480)
Although the overall offensive efficiency is still not good, Jay Green is already a scorer with an average of 20+ per game, and he is only 21 years old. With the new season playing under Uduka, I believe Jay Green will have a transformation, which can at least improve the rationality of his shot and personal defense investment. Plus, his salary is only ranked 159th in the new season, and Jay Green has successfully entered the list.
Ninth place: caruso ($9.46 million)
Caruso has always been one of the representatives of the league’s cost-effective players. Because of his low-key style, his ability has always been underestimated, but he is already one of the best defenders in active service.
If you refer to other players with the best defensive lineup, caruso should get a contract with an average salary of $20 million. After all, both Tommy Tam and Founier can get an average salary of more than $18 million.
Eighth place: Shen Jing ($3,536,280)
Another rocket player was selected, because like Green, he is in the rookie contract, and the price-performance ratio of Shenjing is equally proud.
Although the defense is still short-board, Shen Jing won the reputation of "Little Jokic" by virtue of his offensive performance. In addition, he blew himself up this summer and gained height, so Shen Jing in the new season is even more worth looking forward to.
Recently, Clippers player Paul George talked about his feelings of defending Curry in a podcast program. "Just last season, he scored 50 points against us. I thought I could lock him up, just before the game started. I think I can get past those screens and interfere with him with my height and wingspan. But now I feel that no matter what our game plan is, it always doesn’t work in the middle of the first quarter. The coach will start saying, George, you can’t defend him like this. " George said. George’s respect and love for Curry is no secret in the whole league. When asked about the player he wants to cooperate with most, George also blurted out: "I want to play with Stephen most."
According to insiders in the United States, many managers suggested that the Warriors use Paul+Cumminga +1 first-round trade to get George of the Clippers. They think that George is more suitable for the team than Paul, and his ability is far above Paul in terms of player position and tactics.
Cousins, a former NBA player who played for the Puerto Rican League, bluntly said in an interview that Paul was too old to understand the Warriors’ deal. "To tell you the truth, I don’t quite understand why the Warriors traded to Paul. Maybe they want to make room for Ming Xia. You sent the young man away, but you got an elderly man. Obviously, he is old. I don’t think anyone in the league is more suitable for warriors than George. “
From the perspective of physical talent, paul george has excellent physical qualities. He has excellent height and wingspan, as well as excellent speed, endurance and explosive power. These advantages enable him to show excellent performance on both offensive and defensive ends. His flexibility and coordination on the court are also excellent, which makes him more confident and calm in the face of opponents.
Secondly, paul george is a versatile player. He is good at shooting, breaking, passing and rebounding. His shooting skills are excellent, and he can consistently hit both middle-range shots and three-pointers. His breakthrough skills are also excellent, and he can easily cross the opponent’s defense and create scoring opportunities. In addition, paul george also has excellent passing and rebounding ability, he can create scoring opportunities for his teammates in the game, and at the same time, he can grab key rebounds.
At the same time, paul george has rich teaching experience and excellent leadership. He can provide guidance and advice to young players to help them better understand and master basketball skills. His leadership and teamwork spirit on the court are also excellent, and he can lead the team to victory. Paul george’s training and competitive state are very good. He worked very hard to train his body and skills, which enabled him to continue to play an advantage in the competition. His self-discipline and professionalism are also one of the keys to his success.
If this deal is reached, the Warriors will form a brand-new Five Deaths, which may be able to create the next "champion dynasty". For Paul, being able to return to the Clippers in the empty city and partner with Leonard, Paul will be able to realize his starting wish, and there are many excellent players around him, such as Wei Shao. I believe that the Clippers are more competitive than the Clippers when he left. At the same time, the Clippers got younger talented teenagers and the first round signing in the future, which is very beneficial to the development of the team.
On May 19th, with the last whistle blowing, the Youth Football Series of the 6th Games in Longgang District ended successfully in the football field of Longgang Sports Center. The competition was hosted by Longgang District People’s Government, and undertaken by Longgang District Culture, Radio, Film and Television Tourism and Sports Bureau and Longgang District Education Bureau.
The competition lasted for 17 days and was divided into four groups: junior high school men’s group, primary school men’s group A, primary school men’s group B and primary school women’s group B. A total of 44 teams from the whole region and more than 800 student athletes participated in the competition.
During the competition, the athletes were full of energy and high morale. They run freely on the pitch, sweat, full of vigor and vitality, convey their love for football with passion and sweat, convey the team spirit of friendship and mutual assistance, and show the positive spirit of young people in the new era.
In the 19th competition, teams from Liuyue School and Crystal City Primary School won the primary school men’s group B and primary school women’s group B respectively. Previously, the junior high school men’s team and the primary school men’s team A competition ended on May 6, and the champions were won by Lanzhu School and Shenzhen Middle School Longgang School respectively.
It is understood that in recent years, the youth football in Longgang District has developed vigorously and the momentum is rapid, and the competitive level has been significantly improved compared with the past. Teenagers are the future of the motherland. Strengthening teenagers’ physique and promoting their healthy development is a major event related to the future of the country and the nation. The development of football matches is an important measure to promote the popularization and development of youth football and improve the competitive level, and it is also of great significance to cultivate high-quality sports reserve talents and promote the development of sports in Longgang District.
On April 22nd, Beijing time, the WTT Macau Championship entered a hot stage. A battle of focus was launched between the Grand Slam of Table Tennis and French teenager lebrun. Good table tennis was broadcast live and reported for everyone. The two sides fought hard for five games! Malone won 4-1! Say four words to win after the game.
For the latest schedule, please click > > > Table Tennis Tournament.
See more wonderful table tennis.
Malone, as you all know, is 34 years old and won the runner-up in the Singapore Grand Slam by Fan Zhendong! In this Macau Championship, Malone has defeated British star Pitchford and Brazilian genius Hugo to advance to the semi-finals.
His opponent, Alex, comes from France and ranks 22nd in the world. His style of play is fast. Just in the quarter-finals, they reversed Fan Zhendong 3-2 and advanced to the top four. After the game, he said that he would beat Malone, and his strength should not be underestimated!
In the first game, Malone entered the state quickly, controlled the rhythm on the court and went to the next city with 11-8. Wang Hao, the head coach of men’s table tennis, gave Malone guidance outside the court!
In the second game, Malone continued to control the rhythm, leading 3-1, and lebrun scored 2 points, making it 3-3. Lebrun put pressure on Malone with a quick serve to overtake him 7-4. Malone tenaciously chased it to 7-7 to equalize. Lebrun once again launched an offensive, playing a wave of 4-0, pulling back a city with 11-7. Lebrun still has certain strength.
In the third game, Malone adjusted in time, slowed down the pace of the game, and made use of the combination of long and short serve to get a 4-0 lead. Lebrun brushed aside. Malone was not affected, scoring 3 points in a row and leading 7-1. Lebrun made it 3-8. Then both sides scored 1 point each, and Malone led 9-4. Lebrun made a direct mistake in serving, Malone got an inning with 10-4, and lebrun saved an inning. Malone scored the serve and went to the next city with 11-5.
In the fourth game, lebrun stepped up the offensive to lead by 3-1, followed by 4-2, lebrun scored 2 points in a row, leading by 6-2, Malone stubbornly chased it to 4-8, Malone began to fight, blasted a wave of 7-0 and turned the table against the wind by 11-9. Former national player Hou Yingchao exclaimed in the live broadcast room: The Dragon Team is too strong!
In the fifth game, lebrun, who had no way out, took a 6-4 lead, and Malone attacked the opponent and chased it to 8-8. Then Malone scored 3 points in a row and won by 11-8. Finally, he defeated French little black horse Alex 4-1 to advance to the final of WTT Macau Championship and competed with teammate Wang Chuqin for the men’s singles title.
After the game, when the host asked Malone, what was the secret of defeating Alex? Malone said that he was afraid that the lebrun brothers had made great progress and their opponents put a lot of pressure on themselves. The last two games were all in a backward situation, and they won very hard and were lucky. Finally, he said: I didn’t give up! The word "not giving up" is probably the secret of winning! What do you think? Please leave a message below the comments.
On April 23, the men’s and women’s singles final of the Macau Championship,
In the women’s singles final, Chen Meng will face Manyu Wang at 18:00, which is expected to be 4-1!
At 19:00, the men’s singles final will be held directly between Ma Long and Wang Chuqin in the Grand Champion!
Guess who will win the championship? Malone? Chen Meng?
For further reading, just click the underline.
Bayern Munich refused to activate the option of turning Cancelo’s loan into a permanent transfer after he failed to get enough time and performance to prove himself..
The Office for National Statistics (ONS) reported that the recovery of output last month was attributed to the return of the top domestic leagues after the World Cup, in addition to the rebound of industries hit by strikes, including education and transportation, as well as entertainment and leisure..
Jurgen Klopp is committed to supplementing the Liverpool midfield this summer, Jude Bellingham is still the primary goal, and his plan will not be changed because of the progress of Harvey Elliott and Stefan Bajcetic..
According to reports, Manchester United paid a six-figure compensation to doncaster Rangers after signing three 14-year-old youth players Zac Watson, Jariyah Shah and Neithan Barbosa..
According to Italian media reports, Inter Milan are interested in signing West Ham’s out-of-favor striker Gianluca Scamacca to replace Edin Dzeko..
Kyle Walker was photographed behaving indecently in a bar in Wilmslow last Sunday. Pep Guardiola said that he regarded the incident as a "private issue" and was working on it internally, confirming that the English full-back would play in this week’s game against Crystal Palace..
It is understood that the Glazer family’s goal is to complete the transaction before the first quarter of this year or the end of April. According to informed sources, this prospect is increasingly slim, and the process of selling the club will continue until the end of the season. It is considered a more realistic time to sell before the transfer window opens in June..
David Sullivan has no intention of selling West Ham United or firing coach David Moyes..
The American club Rochester new york Football Club acquired by Jamie Vardy)2016 has stopped operating..
Moudrek, who signed more than 80 million pounds in January, has been on the bench for a long time recently. Graham Potter said, "I hope he can benefit from the time he has. For him, it is not easy to arrive in the middle of the preseason. It is not easy to come to a new country, a new club, a new league and reach his highest level. We are optimistic about his future, but we need to help him settle down and help him understand what he needs to do to help us. ".
Founded in 1999, Iflytek Co., Ltd. is a well-known intelligent voice and artificial intelligence listed enterprise in the Asia-Pacific region. Since its establishment, it has been engaged in the research of core technologies such as intelligent speech, natural language understanding and computer vision, and has maintained the international cutting-edge technology level; Actively promote the landing of artificial intelligence products and industrial applications, and strive to make machines "listen, speak, understand and think" and build a better world with artificial intelligence. In 2008, the company was listed on the Shenzhen Stock Exchange (stock code: 002230). As a technological innovation enterprise, Iflytek adheres to the core technological innovation, and has made great achievements in various international evaluations such as speech recognition, speech synthesis, machine translation, graphic recognition, image understanding, reading comprehension and machine reasoning. He won the National Science and Technology Progress Award twice and the China Information Industry Independent Innovation Honor "Information Industry Major Technological Invention Award", and was appointed as the leader unit of the Chinese phonetic interaction technical standard working group, taking the lead in formulating Chinese phonetic technical standards. Iflytek adheres to the development strategy of "platform+track". Based on the core technology with independent intellectual property rights, in 2010, Iflytek released the open platform of artificial intelligence with intelligent voice and human-computer interaction as its core-Xunfei Open Platform, which provided one-stop artificial intelligence solutions for developers.
I. Brief introduction of the case
Employee reimbursement scenario is one of the common scenarios in enterprise management. In the traditional reimbursement mode, from the perspective of employees, it is inefficient to post tickets one by one, and it is time-consuming and laborious to fill in documents manually; From the financial point of view, it is not only required that the tickets are consistent with the facts, but also that the bills and processes conform to the provisions of the company management system. Therefore, employees and finance pay a lot of compliance costs because of inefficient manual work; When auditing and compliance monitoring, it is a very heavy task to access paper materials, and it is difficult to find bills, and it is difficult to access them and then file them.
Based on these business pain points, we thought about how to liberate productivity with the help of Xunfei AI technology. In 2020, we developed a reimbursement robot system, which mainly relied on OCR technology for intelligent bill filling, NLP technology for intelligent audit of rule engine, and intelligent receipt box integrating software and hardware, etc., realizing the automatic processing of manual operation and the automatic identification of compliance risks by machines, which not only saved time for employees and finance, but also improved the total factor productivity for enterprises.
According to statistics, there are about 20 million accounting practitioners in China, half of whom are engaged in repetitive work such as checking invoices, reimbursement and payment. If the reimbursement robot can be widely used, it is expected that more than 5 million grassroots accounting practitioners can be released from these heavy and boring routine jobs and engaged in jobs that require social insight, negotiation and creative thinking.
Second, the transformation work
(1) Strategic planning
In the past 10 years in Iflytek, the investment of enterprises in IT has greatly optimized the management process and improved the operational efficiency, especially in the fields of budget, statements, funds, taxation, sharing and management accounting, which has greatly improved the informatization level of financial management and brought earth-shaking changes to the concept and mode of financial management, all of which are important foundations for building intelligent finance. In the field of intelligent finance, by combining artificial intelligence technology with IT system and using natural language for human-computer interaction, we plan to build reimbursement robots, accounting robots and financial robots to realize human-computer collaboration and human-computer coupling.
The reimbursement robot, 2020-2021, with the help of perceptual intelligence technology, standardized business processes, established a standard system, and strengthened the man-machine interaction mode, achieved overall solutions such as intelligent reporting, intelligent approval, intelligent auditing, intelligent question and answer, automatic payment, and mechanism vouchers, and drove the creation of the work value goal of finally realizing less people and no one.
The accounting robot, 2022-2024, is mainly used in the financial accounting scene. By using cognitive intelligence technology, the robot can establish the accounting processing model in specific scenes based on the accounting process and professional knowledge in various accounting fields, and carry out a lot of data learning simulation training, so that it can have the professional level of intermediate accountants, and finally achieve the ability to handle overall accounts based on the understanding of accounting standards and various financial management systems of the company, thus reducing the labor intensity of middle-level accounting practitioners in the company.
Financial robot, 2024-2025, is mainly used in the management accounting scene, using cognitive intelligence technology, hoping to realize the planning, control, analysis and prediction of enterprise management through the understanding of management science, and assist CFO, COO and CEO of enterprises to make management decisions. We know that compared with financial accounting, management accounting emphasizes the internal management of the unit and improves the economic efficiency service, which belongs to internal service accounting; By analyzing the past, controlling the present and planning the future, we pay more attention to the creation of future value. Therefore, exploring and planning the layout of financial robots in advance is believed to provide strong auxiliary support in strategic management and business decision-making of enterprises in the future.
(2) Business model
Enterprise digital employees are the important strategic direction of enterprise digitalization in the future, mainly concentrated in labor-intensive fields, such as manpower, insurance, finance, banking, manufacturing, etc., and the market generally agrees that the financial digital employees are the most widely used fields, accounting for 20%. If we continue to analyze their subdivision applications, the cost audit ranks third. Therefore, we can improve the competitiveness of expense audit through the reimbursement robot, and at the same time expand the scenarios of reconciliation, tax declaration, invoicing, etc., to create an overall solution for financial digital employees, improve the process efficiency and service quality of basic financial work of enterprises, and establish the foundation for digital and intelligent transformation of enterprises.
According to the consulting report of iiMedia Researc, the service market of China’s fiscal and taxation enterprises will reach 243.71 billion yuan in 2020, and it is estimated that the transaction scale will reach 266.44 billion yuan in 2021, and it will keep a high growth rate. In recent years, the number of main enterprises in the national market has continued to grow, providing a continuous source of customers for the enterprise service market in the fiscal and taxation field. Among them, in the reimbursement and expense control industry, with the increasing trend of financial electronization, the market of expense control and reimbursement industry in China has achieved leap-forward growth in recent years. By 2020, the revenue scale of the industry market is as high as 1.12 billion yuan.
(3) Technical architecture
Iflytek’s digital transformation path of intelligent finance is "AI+IT", which is also the solution of "platform+track" strategy in the financial field of Xunfei. It combines voice technology, natural language processing and image recognition technology with financial management, and builds a platform layer with engines such as processes and rules as the mainstay, and an operation layer with task management and image management as the mainstay, to empower and support core business application layers such as employee reimbursement, expense control, business travel and claim. This involves several key technologies:
(1) The bill OCR recognition model is based on years of accumulation of Xunfei in the field of image recognition technology and deep learning, which improves the invoice classification accuracy to over 95% and the word accuracy to over 98%.
(2) The contract element extraction model is based on the NLP training platform accumulated by Xunfei in the field of industry cognition for many years. Aiming at the special optimization and innovation of financial payment scenarios, the accuracy of contract key element extraction has reached 92%.
(3) Based on the OCR technology, the intelligent reporting assistant automatically substitutes and calculates the reimbursement expenses and document fields, which can help employees to complete the reporting and submission of reimbursement conveniently and smoothly.
(4) Based on the extraction of contract elements and the self-developed rule engine, the intelligent document review assistant automatically matches the review scenarios, checks business compliance and highlights business risks and violation risks according to the preset company review rules.
Third, the transformation effect
(1) Enterprise value
At present, the reimbursement robot has covered all employees of 140+ companies in Iflytek. The business scope covers loan (application, change), reimbursement (personal, corporate, travel, expenses and materials), pre-made invoices, unplanned payments, financial sharing (accounts receivable, credit, performance, physical objects, images, audit), expense sharing, claim for payment, and related transactions. It has supported the business scale of 35,000+documents per month, 5,000+payment claims and 1,000+loan documents. The time for employees to fill in the report was shortened from 15 minutes to 5 minutes, the error rate of financial review was reduced from 11.64% to 3.8% per month, and the efficiency of financial review was improved by 52%. The annual cost savings based on the total efficiency improvement of filling, reviewing and claiming are about 10.44 million.
In addition, we also plan intelligent voice reimbursement, and answer policy consultation and system questions in the reimbursement process through customer service robots, so as to enhance the interactive experience of the reimbursement person, which is expected to reduce the workload of consulting posts by 70%; A more efficient intelligent document review assistant is planned to provide configurable document review ability, reimbursement data portrait, data visualization and so on for the approval of business side and financial side.
(2) Social value
1. Online invoicing reduces tax-related risks.
Cancel the manual entry method of the original invoice and use OCR to collect, check the duplicate and verify the authenticity of the invoice, which not only improves the efficiency of invoice collection and use, but also improves the compliance of payment and tax; Unified input tax invoice entry port ensures the integrity and standardization of business input data, and facilitates the management and statistical analysis of invoice data.
2. Electronic tickets are free of printing, providing demonstration effect.
Promote free printing of electronic invoices, and promote the comprehensive and universal use of electronic invoices in the upstream and downstream of the industrial chain; Promote the formation of a green and low-carbon development mode, reduce taxpayers’ operating costs and save social resources; Promote the modernization of national governance capacity and enterprise management, facilitate consumers to save and use invoices, and create a healthy and fair tax environment.
Fourth, the pain points, difficulties and suggestions
Financial digital transformation is not a project with a beginning and an end, but a process of continuous change, during which it will face many challenges of pain points, difficulties and blocking points:
1. Lack of high-level digital strategy
The competition in the digital age requires leaders to maintain a highly sensitive insight into digital technology and emerging business models, and to constantly reflect on or adjust the company’s strategy. If they blindly follow the trend of transformation, they will only increase the high risk of failure.
2. Lack of professional digital transformation talents
Talents suitable for digital transformation should know both business and technology, and both are indispensable, especially digital transformation leaders, who need enterprises to reserve talents in advance.
3. Lack of digital transformation organization mechanism
In the digital transformation, organizational mechanisms such as cultural shaping, agile R&D, innovation and fault tolerance are very important. Business innovation will inevitably increase the cost of trial and error, and you can’t judge immediately because you have done something wrong or failed to achieve the expected results, especially at first. Don’t exert excessive performance pressure; As long as it is customer-centered and adheres to the bottom line of compliance, it should be encouraged at the policy level.
Source | China Association of Listed Companies
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