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The administrative offices of the Union, the Municipal People’s Government, the commissions, offices, departments and bureaus of the autonomous region, and major enterprises and institutions:

With the consent of the people’s government of the autonomous region, the measures for the administration of high-tech industrial development zones in Inner Mongolia Autonomous Region are hereby printed and distributed to you, please conscientiously implement them according to the actual situation.

February 24, 2022

(This piece is publicly released)

High-tech industry in Inner Mongolia Autonomous RegionMeasures for the administration of development zones

Chapter I General Principles

the firstIn order to implement the spirit of "Several Opinions of the State Council on Promoting the High-quality Development of National High-tech Industrial Development Zones" (Guo Fa [2020] No.7), further standardize the establishment and management of autonomous region-level high-tech industrial development zones (hereinafter referred to as high-tech zones), and promote the high-quality development of high-tech zones in the whole region, these measures are formulated with reference to the Interim Measures for the Administration of National High-tech Industrial Development Zones and the Comprehensive Evaluation Index System of National High-tech Industrial Development Zones, combined with the actual situation of the autonomous region.

the secondThese Measures shall apply to the identification, evaluation and management of high-tech zones within the administrative area of the autonomous region.

ArticleThe construction of high-tech zones should thoroughly implement the strategy of innovation-driven development, deepen the reform of system and mechanism, take the action of "rejuvenating Mongolia through science and technology" as the guide, take the improvement of independent innovation capability as the core, actively create a good innovation and entrepreneurship ecology, comprehensively build a modern industrial system, and build high-tech zones into demonstration zones of innovation-driven development and pioneering zones of high-quality development in autonomous regions.

Chapter II Confirmation

Article 4　The declaration of high-tech zones shall meet the following conditions:

(1) The basic conditions are complete.

1. It belongs to the first-class industrial park in the autonomous region with the best innovative resources and industrial development within the Union City;

2. Conforming to the national economic and social development planning, land space planning and ecological environment protection planning of the Union City;

3. Meet the requirements of the state on the economical and intensive use of land, with centralized land layout, reasonable scale and land use structure, clear boundaries, sufficient development space, complete infrastructure facilities, scientific planning for the integration of production and city, and no occupation of permanent basic farmland;

4 in line with the requirements of ecological environmental protection and safety in production, and there have been no sudden environmental incidents or serious production safety accidents in the past three years.

(2) Outstanding industrial advantages.

1. The growth rate of major economic indicators is higher than the average level of the autonomous region;　

2. The total operating income of leading industries accounts for not less than 70% of the total operating income of the park;

3. The development plan of high-tech industry has been formulated, and the total operating income of high-tech industry accounts for more than 30% of the total operating income of the park, and it is increasing year by year.

(3) The innovation system is perfect.

1. The growth rate of R&D investment is higher than the growth level of the local union city;

2. The number of high-tech enterprises and high-tech small and medium-sized enterprises accounts for more than 30% of the total number of enterprises in the park;

3. There are more than 20 scientific and technological innovation platforms or new R&D institutions at or above the autonomous region level, with a group of high-level scientific and technological innovation talents and the ability to undertake scientific research projects of the state and autonomous regions;

4. There are innovation and entrepreneurship incubators such as science and technology business incubators and Zhongchuang Space, and investment and financing institutions that serve scientific and technological innovation;

5. It has a scientific and technological achievements management and service system, and the number of effective invention patents per 10,000 people is higher than the average value of the local union city;

6. Long-term scientific and technological cooperation relations have been established with scientific research institutions and institutions of higher learning, and foreign scientific and technological cooperation and Industry-University-Research cooperation are active.

(4) Strong safeguard measures.

1. The administrative office of the local Union and the Municipal People’s Government attach great importance to the construction of high-tech zones and incorporate the construction of high-tech zones into the local national economic and social development plan. Be able to undertake the main responsibility of high-tech zone construction, form a working mechanism for promoting the development of high-tech zones with the government taking the lead and departments cooperating with each other, introduce policies and measures to support the innovative development of high-tech zones, innovate institutional mechanisms, gather innovative resources, and give priority to the layout and development of high-tech industries;

2. The management organization of the park is sound, the setting is scientific, streamlined and efficient, the management function is clear, and it has a high-quality and professional management team. The management system is sound, the incentive and guarantee measures are in place, and the management operation is efficient, which can provide quality services for innovative entrepreneurs and enterprise innovation subjects;

3. According to the "Implementation Opinions of the People’s Government of Inner Mongolia Autonomous Region on Promoting the High-quality Development of High-tech Industrial Development Zones" (No.13 [2021]), the Union Administrative Office and the Municipal People’s Government delegated the corresponding management authority to the High-tech Zone, promoted the establishment of an independent management mechanism in the High-tech Zone, and created a good innovation environment and business environment, and the "streamline administration, delegate power, strengthen regulation and improve services" work was in place.

Article 5　The following materials are required to declare the high-tech zone:

(a) where the administrative office of the Union and the Municipal People’s Government apply for the construction of high-tech zones.

(two) the basic situation of the development of the park, including basic conditions, industrial advantages, innovation system, safeguard measures, etc.

(three) the construction and development planning of high-tech zones (including the development planning of high-tech industries), including strategic significance, overall thinking and target positioning, key tasks and safeguard measures.

(four) the implementation plan of high-tech zone construction, including development orientation, main objectives, construction ideas, specific measures, management system, operation mechanism and policy guarantee.

(5) Other relevant attachments:　　

1. Relevant approval documents for the establishment of the park;

2 issued in accordance with the national spatial planning (the main functional area planning, land use planning and overall urban planning), ecological environment protection planning certification materials;

3. The policies and measures of the local administrative office of the Union and the Municipal People’s Government to support the construction of innovation and entrepreneurship environment, the construction of high-tech zones and the development of high-tech industries;

4. List of high-tech enterprises, small and medium-sized scientific and technological enterprises, innovation platforms, R&D institutions, innovation incubators and scientific and technological service institutions in the proposed high-tech zone;

5. Main economic development and innovation indicators of the park in recent three years;

6. Other relevant materials.　　

Article 6High-tech Zone Identification Procedure:

(1) The administrative office of the local Union and the Municipal People’s Government shall organize the formulation of the planning and implementation plan for the construction and development of high-tech zones, and put forward the construction intention to the Science and Technology Department of the autonomous region on the basis that the policy guarantee measures are relatively perfect and meet the conditions for the construction of high-tech zones.

(2) The Science and Technology Department of the Autonomous Region shall, jointly with the Development and Reform Commission of the Autonomous Region, the Department of Industry and Information Technology, the Department of Natural Resources, the Department of Ecology and Environment, the Department of Commerce, the Bureau of Statistics and other departments, organize an expert group to conduct on-the-spot investigation and demonstration on the park with the construction intention, and put forward construction suggestions. The administrative office of the Union and the Municipal People’s Government shall, in accordance with the opinions of investigation and demonstration, organize the revision and improvement of the construction and development plan and implementation plan, and report them to the Science and Technology Department of the autonomous region.

(3) After the development plan and implementation plan of the proposed high-tech zone are examined and approved by the Science and Technology Department of the autonomous region, the administrative office of the Union and the Municipal People’s Government jointly with the Science and Technology Department of the autonomous region shall submit an application for construction to the people’s government of the autonomous region, and the people’s government of the autonomous region shall examine and approve it.

Chapter III Evaluation of Prices

Article 7Establish an annual comprehensive evaluation system for the overall development of high-tech zones and a mechanism for promoting Excellence.

Article 8　The evaluation of high-tech zones is jointly undertaken and implemented by the autonomous region and the Union City. The evaluation work of the autonomous region is led by the Science and Technology Department of the autonomous region, and organized and implemented jointly with the relevant departments of the autonomous region. The Science and Technology Department of the Autonomous Region, together with the Statistics Bureau of the Autonomous Region, entrusts a third-party agency to evaluate the High-tech Zone. To give full play to the main role of the Union City in the evaluation of high-tech zones, the Union City will regularly evaluate the high-tech zones within its administrative region. Pay attention to the evaluation of the annual growth of the innovation index of high-tech zones and the change of their position within the industrial park of the Union City, and promote the high-tech zones to be ahead and set an example in the local parks.

Article 9　The evaluation index system includes four aspects: technological innovation ability, structural optimization ability and green development level, open cooperation and innovation ability, and scientific and technological service ability. The total weight of the evaluation index is 100, corresponding to the total score of 100 points.

Article 10　High-tech zones should do a good job in daily statistical work of index data, and the statistical area is the actual jurisdiction area of high-tech zones.

The Statistics Bureau of the autonomous region is responsible for the collection, summary and calculation of index data, and the Science and Technology Department of the autonomous region is responsible for entrusting a third-party agency to conduct evaluation. The relevant departments of high-tech zones and autonomous regions shall provide index data to the statistics bureau of the autonomous region as required, and be responsible for the data quality.

Article 11　The evaluation results shall be reviewed and published by the Science and Technology Department of the autonomous region in conjunction with the Statistics Bureau of the autonomous region.

Chapter IV Management

Article 12　The Science and Technology Department of the Autonomous Region is responsible for the centralized management, coordination and guidance of the High-tech Zone, and the relevant departments of the Development and Reform Commission of the Autonomous Region, the Department of Industry and Information Technology, the Department of Natural Resources, the Department of Ecology and Environment, the Department of Commerce and the Bureau of Statistics provide guidance and support to the High-tech Zone according to their functions and duties.

Article 13　The administrative office of the Union where the high-tech zone is located and the Municipal People’s Government are responsible for the construction of the high-tech zone, and are specifically responsible for the development, construction and management of the high-tech zone. They should formulate specific implementation plans and development plans to promote the development of the high-tech zone and enhance the innovation-driven development level of the high-tech zone.

The autonomous region supports the Union Administrative Office and the Municipal People’s Government to adopt the mode of "one district with multiple parks", expand the jurisdiction and development space of high-tech zones in accordance with relevant regulations, and establish a linkage development mechanism. Encourage the Union Administrative Office and the Municipal People’s Government to formulate policies to support the development of high-tech zones.　　

Article 14　High-tech zone management agencies should prepare annual work reports as required before the end of each year, and submit them to the Science and Technology Department and Statistics Bureau of the autonomous region together with the important annual statistical data of high-tech zones after being audited by the science and technology department of the Union City. The annual work report includes the overall progress, major innovation measures, operation performance, experience and problems, and key work for the next year.

Article 15　Implement dynamic management of high-tech zones. According to the evaluation results of high-tech zones, high-tech zones with high ranking, strong innovation ability, high development quality and obvious industrial characteristics are recommended to be upgraded to national high-tech zones. High-tech zones with low evaluation results in the whole region shall be ordered to make rectification within a time limit; For the high-tech zone with two consecutive evaluation results ranking the last in the region and low score, it shall be reported to the people’s government of the autonomous region to cancel its qualification as a high-tech zone according to relevant procedures.　　

Chapter V Supplementary Provisions

Article 16　These Measures shall come into force as of the date of issuance. The original Notice of the General Office of the People’s Government of Inner Mongolia Autonomous Region on Printing and Distributing the Measures for the Administration of High-tech Industrial Development Zones (No.114 [2003] of the Internal Affairs Office) shall be abolished at the same time.

Attachment: 1. Evaluation Index System of High-tech Industrial Development Zone in Inner Mongolia Autonomous Region

2. Interpretation of evaluation index of high-tech industrial development zone in Inner Mongolia Autonomous Region

Annex 1

Inner Mongolia Autonomous Region High-tech Industrial Development ZoneEvaluation index system

Annex 2

Inner Mongolia Autonomous Region High-tech Industrial Development ZoneInterpretation of evaluation index

1.1 R&D funds internal expenditures accounted for the proportion of operating income

Calculation formula: internal expenditure accounting value of enterprise R&D funds/enterprise operating income.

Indicator explanation: a general indicator to measure the R&D investment intensity of enterprises, reflecting the importance and investment ability of enterprises in the park to R&D and technological innovation.

1.2 Financial expenditure on science and technology accounts for the proportion of general public budget expenditure.

Calculation formula: fiscal expenditure on science and technology/general public budget expenditure ×100%

Indicator explanation: financial expenditure on science and technology refers to the final accounts of the expenditure used by the management Committee of high-tech zone to support scientific and technological activities in that year; General public budget expenditure refers to the final accounts of financial funds provided by high-tech zones in those years to meet the common needs of society [high-tech zones that do not belong to a single level of finance adopt the final accounts of financial science and technology expenditure and the final accounts of general public budget expenditure in their counties (cities, districts)]. Reflect the importance and input of the management department of high-tech zone to scientific and technological innovation.

1.3 Incubation area and number of incubating enterprises per thousand square meters of incubation site

Calculation formula: Number of incubating enterprises/(incubation area /1000)

Indicator explanation: Incubation area refers to the recognized building area of technology business incubators. The number of incubating enterprises refers to the number of enterprises operating in the incubator of science and technology enterprises and receiving the incubation services provided by the incubator. Reflect the incubation ability and incubation intensity of innovation and entrepreneurship in high-tech zones.

1.4 Proportion of R&D personnel full-time equivalents among employees

Calculation formula: equivalent full-time accounting value of R&D personnel in enterprise/number of employees at the end of the period.

Indicator explanation: Measure the actual investment intensity of R&D personnel in park enterprises, and encourage enterprises to strengthen the investment of independent innovation manpower.

1.5 Number of innovation platforms at or above autonomous region level per 100 legal person enterprises.

Calculation formula: Total number of R&D institutions above autonomous region level/(number of corporate enterprises in the park /100)

Indicator explanation: The number of innovation platforms refers to the number of key laboratories, joint laboratories, technology innovation centers, engineering (technology) research centers, enterprise R&D centers, clinical medical research centers, collaborative innovation centers, industrial innovation centers, manufacturing innovation centers, enterprise technology centers, industrial design centers, quality inspection centers, and technical standard innovation bases recognized by the relevant departments of the state and autonomous regions. This index reflects the innovation strength of enterprises in high-tech zones.

1.6 Number of invention patents per 10,000 employees

Calculation formula: number of invention patents/(number of employees in enterprises /10000)

Indicator explanation: the number of invention patents refers to the number of effective invention patents owned within the high-tech zone. Reflect the creative ability of intellectual property rights in high-tech zones.

1.7 per capita technology contract transaction volume

Calculation formula: technical contract transaction amount/number of employees at the end of the period.

Interpretation of indicators: measure the activity of technology trading in the park, and reflect the development trend of scientific research and development service industry and transformation of scientific and technological achievements in the park.

2.1 Net increase in the number of high-tech enterprises in that year

Calculation formula: the number of high-tech enterprises in the current year-the number of high-tech enterprises in the previous year.

Interpretation of indicators: guide enterprises to declare high-tech enterprises, measure the cultivation of high-tech enterprises in the park, and promote the promotion of industrial value chain.

2.2 Net increase in the number of small and medium-sized science and technology enterprises in that year

Calculation formula: the number of small and medium-sized scientific and technological enterprises in the current year-the number of small and medium-sized scientific and technological enterprises in the previous year.

Indicator explanation: guide enterprises to register small and medium-sized science and technology enterprises in the warehouse, and reflect the cultivation of new forces of science and technology enterprises in the park.

2.3 The proportion of high-tech manufacturing enterprises’ revenue in industrial enterprises’ revenue and its annual growth rate

Calculation formula: total revenue of high-tech manufacturing enterprises/total revenue of integrated industrial enterprises ×100% and current year’s proportion value-previous year’s proportion value.

Indicator explanation: The revenue of high-tech manufacturing enterprises refers to the operating income value of manufacturing enterprises with relatively high R&D input intensity in the national economy. Reflect the development level of high-tech industries in high-tech zones.　

2.4 operating income, high-tech service industry revenue ratio and annual growth rate

Calculation formula: the total operating income of high-tech service enterprises/the operating income of all enterprises and the ratio of the current year to the ratio of the previous year.

Indicator explanation: Reflect the adjustment of industrial structure in the park, and at the same time emphasize and encourage the development of knowledge-intensive service industry.

2.5 Number of enterprises with venture capital investment

Calculation formula: the number of enterprises that obtained venture capital in the park in that year.

Indicator explanation: Reflect the development of technology and finance and venture capital in the park, reflect "from technology, from capital", promote the formation of new industries, and improve the potential of unicorn enterprises.

2.6 unit land output intensity and stock land revitalization ratio

Calculation formula: unit land output intensity = total industrial output value/actual development area of the park; Stock land revitalization ratio = revitalized stock land area/total stock land area

Indicator explanation: This indicator reflects the quality of economic development in high-tech zones.

2.7 Growth rate of CO2 emission in the park

Calculation formula: (CO2 emission of the park in the current year-CO2 emission of the park in the previous year)/CO2 emission of the park in the previous year.

Indicator explanation: It measures the change trend of the total amount of greenhouse gases emitted by the park and also reflects the adjustment of industrial structure.

2.8 Promote the integration of production and city, share development, eco-environmental protection and green development, and play a leading role in demonstration.

Calculation method: A questionnaire survey was conducted in the high-tech zones of the autonomous region participating in the evaluation, and a comprehensive judgment was made in combination with experts’ scores.

Indicator explanation: Measure the park to promote the integrated development of production and city, green development, build an eco-friendly, livable and suitable science and technology new city, and strive to create the administrative efficiency of people-oriented and shared development.

3.1 Proportion of total expenditure of Industry-University-Research cooperation funds in and outside the enterprise zone to operating income.

Calculation formula: enterprise’s current year (R&D expenditure entrusted by domestic research institutes+R&D expenditure entrusted by domestic universities+R&D expenditure entrusted by other domestic enterprises+R&D activities entrusted overseas+expenditure on introducing overseas technologies+expenditure on digesting and absorbing imported overseas technologies)/enterprise’s operating income.

Interpretation of indicators: It measures how enterprises in the park integrate innovative resources at home and abroad for open innovation through outsourcing R&D, technology introduction, digestion, absorption and re-innovation, and also reflects the intensity of external R&D investment of enterprises.

3.2 Number of innovation platforms introduced or jointly built

Indicator explanation: refers to an independent legal person institution introduced or jointly built by high-tech zones, whose main functions are research and development and transformation of achievements.

3.3 Number of high-tech enterprises introduced

Indicator explanation: refers to the total number of high-tech enterprises that have been recognized in other provinces (autonomous regions and municipalities) and are within the validity period introduced by high-tech zones through attracting investment.

3.4 the number of small and medium-sized science and technology enterprises introduced

Indicator explanation: refers to the total number of small and medium-sized scientific and technological enterprises that have been recognized in other provinces (autonomous regions and municipalities) and registered in the warehouse.

3.5 Operating income of high-tech enterprises accounted for the total export.

Calculation formula: total export volume of high-tech enterprises/business income of enterprises.

Indicator explanation: To measure the ability of enterprises to participate in international competition with independent intellectual property rights, the export of high-tech enterprises can better reflect the international competitiveness of local innovative enterprises than the export of high-tech products.

3.6 Absorb the transaction volume of technology contracts outside the region

Indicator explanation: refers to the transaction amount of scientific and technological achievements imported from outside the region in the high-tech zone. Reflect the application effect of scientific and technological achievements outside the high-tech zone and autonomous region.

4.1 Number of institutions that effectively carry out scientific and technological services

Interpretation of indicators: Science and technology service institutions refer to institutions engaged in the following services, including: 1. Scientific research and development and services; 2. Technology transfer services; 3. Business incubation service; 4. Intellectual property services; 5. Scientific and technological advisory services; 6. technology and finance service; 7. Inspection and certification services; 8. Popularize socialized services through science and technology; 9. Comprehensive scientific and technological services, etc. For details, please refer to Opinions of the State Council on Accelerating the Development of Science and Technology Service Industry (Guo Fa [2014] No.49) and Opinions of the People’s Government of Inner Mongolia Autonomous Region on Accelerating the Development of Science and Technology Service Industry (Internal Affairs Fa [2015] No.142).

4.2 Delegation of power and empowerment by the Union Administrative Office and the Municipal People’s Government to the High-tech Zone

Calculation method: A questionnaire survey was conducted in the high-tech zones of the autonomous region participating in the evaluation, and a comprehensive judgment was made in combination with experts’ scores.

Interpretation of indicators: Measure the corresponding economic management authority of the High-tech Zone, such as scientific and technological innovation, industrial promotion, talent introduction, market access, project approval, finance and so on, given by the local government of the High-tech Zone, and deeply activate the high-quality development potential of the Park.

4.3 High-tech Zone Management System and Mechanism

Calculation method: A questionnaire survey was conducted in the high-tech zones of the autonomous region participating in the evaluation, and a comprehensive judgment was made in combination with experts’ scores.

Interpretation of indicators: Measure the high-tech zone management committee to take the lead in reform and exploration, and constantly improve the efficiency of comprehensive management and administrative services.

4.4 Disposable financial resources of the Park Management Committee

Calculation formula: the disposable financial resources of the management committee of the high-tech zone in the current year (the high-tech zone without first-level finance is replaced by the amount of special funds for park development managed and spent by the management committee).

Interpretation of indicators: It measures the overall financial strength of the management committee of the main park, reflects the financial reserves of all kinds of resources in the park, and also reflects the comprehensive innovation strength of the park’s comprehensive, coordinated and sustainable development.

4.5 The implementation of policies in the park will be tested first.

Calculation method: A questionnaire survey was conducted in the high-tech zones of the autonomous region participating in the evaluation, and a comprehensive judgment was made in combination with experts’ scores.

Interpretation of indicators: Measure that the park management committee attaches importance to party building, strictly abides by party discipline and discipline, takes the lead in reform and exploration, and constantly improves the efficiency of comprehensive management and administrative services.

Another group of banks have adjusted the online trading limit of their accounts, and some banks have a daily limit of less than 5,000 yuan.

Yangcheng Evening News All-Media Reporter Dai Manman

Recently, a number of banks have issued announcements, including bank of dalian Bank and Qingdao Bank, all of which have adjusted the transaction limit of non-counter payment channels. This move is considered to be the continuous advancement of the bank’s "broken card" action after cleaning up sleep accounts and strictly restricting account opening. According to online news, some banks even adjusted the daily limit of some personal accounts to less than 5,000 yuan, which aroused market concern.

What kind of accounts are likely to be limited? How should banks balance the convenience of customers’ use of money and the prevention of fraud? The insiders believe that it is not advisable for banks to adopt a "one size fits all" approach in the specific implementation process. Instead, they should strengthen the accurate judgment ability of risk control and build a refined customer management system to effectively serve the normal capital needs of customers.

ATM machines, online banking and mobile banking transactions are restricted.

It is understood that with the frequent occurrence of telecommunication network fraud and the stricter anti-money laundering management, many banks have adjusted the payment transaction limit of non-counter channels before. In the past month, a number of banks, including bank of dalian, Qingdao Bank, Huishang Bank, Tianjin Branch of China Bank and Shaanxi Branch of Postal Savings Bank, have issued announcements one after another, saying that they will adjust the trading limit of non-counter channels of bank accounts.

As for the reasons, many banks explained in their announcements that reducing the transaction limit of non-counter channels is a work requirement to strengthen the crackdown on illegal and criminal activities of telecommunication network fraud, and it is also a necessary means to prevent funds from being defrauded.

What is a non-counter channel? Simply understood, it refers to all channels, including ATM machines, online banking, mobile banking, etc., that do not conduct business operations "face to face" at bank counters.

For cardholders, the biggest concern is, what kind of cards will be limited? The Yangcheng Evening News reporter consulted a number of bank announcements and found that there is no clear "standard". For example, most banks said in the announcement that they will judge according to the historical use of accounts.

Huishang Bank’s announcement is slightly clear, and defines the scope of accounts for adjusting the trading limit of non-counter channels: Class I personal bank settlement accounts (including debit cards and passbooks) with no active transactions such as cash withdrawal and transfer for more than one year (including one year) and the account balance below 50 yuan (including); A Class I personal bank settlement account that has not logged into mobile banking or personal online banking for more than one year (including one year) and has an account balance below 10 yuan. The announcement particularly emphasizes that social security cards, medical insurance cards, military security cards and provident fund cards are not within the scope of clean-up.

To sum up, it is more likely that bank accounts that have not traded for a long time, have less account balance and have not changed will be restricted from trading.

Does it have to be "one size fits all" to prevent telecommunication network fraud?

It is worth noting that because the contents of the announcement are not clear, some bank customer service revealed in the process of answering questions that "the daily limit was adjusted to less than 5,000 yuan", which caused concern and some controversy. Some netizens said whether the bank has considered the convenience of customers’ operation when cleaning up their accounts.

Su Xiaorui, a senior consultant in the financial industry of Analysys, said that the bank’s adjustment of account limit is in the same strain as the previous actions such as clearing sleep accounts, which are concrete manifestations of strengthening account management and financial risk protection network. At a time when telecommunication network fraud cases are high, it will help to improve compliance and prevent accounts from being used by criminals.

But how to balance the convenience of customers’ use of money and the practical needs of preventing fraud? Su Xiaorui believes that although it is justifiable for banks to take measures for risk prevention and control, it is not advisable to adopt a "one size fits all" approach in the specific implementation process, which will hurt the experience of bank customers, and it will be a "customer rush" behavior for customers who just need to pay for large transactions, or it will lead to the loss of bank customers, which will also form unfavorable factors for the long-term development of banks themselves.

"Banks need to continuously improve the level of science and technology in terms of customer convenience and capital security, build a refined customer management system while strengthening the accurate judgment ability of risk control, and at the same time inform customers in time after adjustment and give corresponding solutions to effectively serve the normal capital needs of customers." Su Xiaorui suggested.

It is worth noting that relevant banks have also suggested that if the account transaction limit cannot meet the fund settlement needs, both public account customers and personal bank accounts can bring relevant documents and materials to the bank to apply for an increase in the limit.

However, how to save the "sole cost" of cardholders, or an aspect that banks need to pay more attention to next.

Guangdong financial industry strives to give consideration to risk prevention and control and quality service.

How to prevent and control bank account risks, effectively stop criminals from using bank accounts to transfer illegal funds, effectively meet the normal and reasonable account opening needs of enterprises or individuals, and provide customers with convenient, safe and high-quality bank account services? Guangdong’s financial industry is currently answering this "key question".

It is reported that in order to make overall plans for account risk prevention, control and optimization services, Guangdong Branch of the People’s Bank of China has instructed the banks in the province to focus on the service needs of key groups such as small and micro enterprises, individual industrial and commercial households, new citizens and college graduates, and on the basis of risk control, to implement simple account opening and negative list management, streamline account opening certification materials, simplify customer identity verification procedures, and continuously improve people’s sense of acquisition and satisfaction with account services. At the same time, guide banks to take the initiative to reduce the fees such as account opening fees, account management fees and annual fees, which are highly beneficial to the people, so as to reduce the burden on enterprises and help the people.

The data shows that by the end of June 2023, Guangdong banks had opened 5,023,600 accounts for key groups such as small and micro enterprises, new citizens and college graduates, and all bank outlets in the province supported simple account opening; Accumulated reduction and exemption of account service fees such as account management fees, annual fees and handling fees exceeded 2.71 billion yuan.

"Coordinating bank account optimization services and risk prevention and control is the due responsibility of financial institutions." The relevant person in charge of the Guangdong Branch of the People’s Bank of China said, "In the next step, the Guangdong Branch of the People’s Bank of China will take the promotion of classified management of accounts as the starting point, make overall plans for account optimization services and risk prevention and control, help improve the business and employment environment in Guangdong, protect the safety of people’s funds, and provide better payment service support for Guangdong’s overall economic and social stability."

Original, look at the big beech tree and small peanut net

My son is four and a half years old. We started to contact RAZ at the end of 2019. My son just started reading several aa-rated books and thought it was a little simple, so we skipped aa-rated books and started the RAZ journey directly from A.

From December last year to now, from the age of three and a half to four and a half, we have spent one year brushing eight grades A to H of RAZ. At present, I is in progress. At the current rate of one book a day, it is expected to end in more than two months. During reading RAZ, we read and listened; There is a storm and a pause; There is emphasis and paddling. Each stage of the brush method combines the different state and level of the baby at that time, and each stage is matched with many story grades like Oxford Tree and other popular science books.

In this way, after reading RAZ for a year, my son can now listen to English bridges, first chapters and repeat long sentences. Today, what I want to share is the phased approach, book list, experience and experience of reading RAZ I (Grade 10) and reading the first chapter book in one year.

This article was published by Huayou @ Look at the Big Zelkova Tree in the Small Peanut Writing Plan.

Our trip to RAZ is divided into seven stages, and I will share them below.

First, before reading RAZ: evaluate the degree of the baby, locate the role of RAZ, and prepare.

Before the son brushes RAZ, the foundation is:

English listening and speaking, almost no;

Can read and recognize words quickly;

Love to scribble and copy.

In the process of English enlightenment with my son, my orientation of RAZ is: preschool as a side dish.

This positioning is not clear from the beginning, but gradually thought clearly during the upgrade process. The main reason is that RAZ system is huge, with a wide range of contents and more exercises (not only quiz reading test), but my baby is still young, and her cognition, memory and understanding can’t reach, and I don’t want to push and pull hard. Adults are tired of children, and improper operation can easily affect the parent-child relationship, which is not worth the loss. It is really unnecessary.

Before RAZ, I took my son to read these English books:

1. The Oxford Tree Family Edition (1-3) seems to have read several books from 4 to 6.

Example of Content Difficulty of Oxford Tree Home Edition 3

2. "Oriental Doll Picture Book English", read seven or eight books.

3. All aboard reading initial order.

All aboard reading First Level Content Difficulty Example

4. Step into Reading initial order.

Step into Reading first-order content difficulty example

4. Other English resources we used before our son read RAZ.

Cartoon Cars

Rainbow rabbit sings nursery rhymes.

Cover and Content Display of rainbow rabbit Singing Nursery Rhymes: The First Order

Child’s Play Cave Book Ballad

Pencil Sharpener

That’s probably all. At that time, I didn’t find out the way, but I was still groping for ways and guiding my interest.

Here I have to mention "Oriental Doll Picture Book English", which is not the original book, and the quality of the supporting video is quite touching, but it really laid the foundation for my son to listen, speak and read. Each publication is not only equipped with theme animation, but also teaches rhythmic exercises, pronunciation essentials and pronunciation rules.

At that time, I still used CD-ROM, which always caused problems and often asked sellers for resources. If I remember correctly, I should be able to scan the code from the 2020 issue, which is very convenient. Here is also my personal feeling. Many parents don’t want the original version when they are enlightened. In fact, it is not necessary. Whether it is a black cat or a white cat, catching a mouse is a good cat.

Let’s talk about how we brushed RAZ all the way up.

Second, RAZ reading stage: A, B and C levels.

When I bought the paper version of RAZ, the seller happened to be having a sale on some reading pens, which cost about 60 yuan, so I bought it because it was cheap. In the stages of A, B and C, it is basically a point reading pen. After reading, my son has no understanding problems, even if he passes. I can’t remember whether I followed it or not. I didn’t ask for it. I guess I followed it. My baby loves to follow it.

We read the rounds of Raz A, B and C, as well as the time record:

The first round of Grade A: December 19th to January 24th.

Level B first round: January 27th to February 7th.

A, B second round: February 8 to February 24.

The third round of class A and B: starting on March 7th.

The first round of Class C: starting on March 15th.

Basically, click it once, and talk about new words that the baby doesn’t quite understand, in Chinese. I don’t reject explaining foreign languages in my mother tongue, and I don’t object to translation. What a good bridge translation is, bridging the mother tongue and foreign languages, realizing the differences between different languages, helping to think and deepen understanding. Why are so many people so resistant to translation? There is a saying that it is necessary to shape English mother tongue thinking, and I am afraid that Chinese will affect the formation of English thinking. I have reservations about this.

While reading Raz A, B and C, we have the following reading packages:

1. Oxford Tree Extended Reading (school edition) and caterpillar point reading pen.

Caterpillar point reading pen

2. "Babyall number science" and the little monster reading pen.

Little monster point reading pen

3. "Children’s English Graded Reading Preparatory Level"

This set of books is particularly simple, with animation, slow sentences and phrases, and easy to read by scanning codes.

An Example of Content Difficulty of Children’s English Graded Reading Preparatory Level

4. National Geographic Preparatory Stage

Example of Content Difficulty of National Geographic Preparatory Stage

5. hyneman GK scattered several books.

6. Sweetheart, Shiny, Jam, Duoduo English and other flip-flop books and blackboard books are all borrowed online.

7. It seems that Pearson Preparatory Level was read again at this time and borrowed online.

The most important one is the Oxford Tree, and the classification we have never broken is the Oxford Tree.

Babyall, ranked second, is on the schedule. This set of books is very interesting, and all kinds of sound effects are quite good. I don’t know why children just like to shit. This set of books is very popular, and all kinds of organs and parts are very popular with her. What impressed me the most was the change of the three primary colors. The colors of several plastic sheets changed as soon as they overlapped, which was very intuitive.

Going back to RAZ, A, B and C, the three levels are brushed together. After brushing the higher level, the lower level is rolled, and it may take two or three times to go back and forth.

At that time, I was always puzzled: the child didn’t master it clearly and didn’t understand the words. Do you want to upgrade? I think this problem needs to be analyzed in detail.

My son was three years old at that time, and soon after, if words were emphasized, it would be easy to dispel the baby’s patience and confidence. It’s better to read one by one. At the first level, there is no need to linger at the lower level.

Anyway, the span between low levels is not very big, and crossing a level can bring freshness and self-confidence to the baby.

Besides, many words will appear repeatedly in the spiral design, and they will be familiar with each other once and again, and gradually they will know more. However, if you are a child or need to improve your grades in the short term, the role of this method is limited, so it is better to memorize and write it down.

Third, RAZ self-reading stage: D, E, F.

As mentioned earlier, my son can recognize words quickly. In addition, in the video of Oriental Doll Picture Book English, he talked about simple pronunciation rules. At the latest, he asked to turn off the reading pen and read aloud by himself.

At first, I didn’t agree. After all, the point-reading pen can read accurately, and I want him to listen more accurately. But my arm couldn’t twist my thigh. Finally, I surrendered, turned off the point reading pen and let the baby read by herself.

We read the rounds of Raz D, E and F, as well as the time record:

Level D first round: March 17th to April 3rd.

E-level first round: March 29th to April 13th.

The first round of class F: starting on April 3rd.

My son reads fluently, which is an advantage, but also a problem-there is no listening comprehension, which leads to reading first.

But I can’t force the baby to listen. At that time, it was the critical period of cultivating listening interest. He had turned from resisting listening to English in October last year to accepting background sounds. This is a big change. I can’t rush it.

Read it, it’s not bad to be able to read. At that time, I was only a little over three and a half years old, so I don’t need a bike first!

So basically, most of the stages D, E and F are read by my son himself. After reading it, even if there is no big problem in understanding, the high level will scroll the low level in the same way as A, B and C.

When my son brushed Raz D, E and F, I also learned some new things. For example, I forgot which book in the F grade had such a sentence: "there is a nip in the air", which I didn’t know before, and I learned it with the baby.

When my son read Raz D, E and F independently, we matched the following reading packages:

1. The Oxford Tree, which remains unchanged for ten thousand years (actually the main one), expands reading.

2. Little Fox Graded Cartoon Tire Town School

3. Cartoon Peppa Pig

4. The cartoon "Monkey Repairman"

5. cartoon Number Blocks

6. cartoon Numtums

Tire Town School, I would like to call it the most important cartoon on my children’s English learning road, which is more important than Peppa Pig. This cartoon helped Eva accumulate listening vocabulary, and many basic expressions were exposed from this cartoon. In order to deepen my impression and give full play to the advantages of children’s literacy, I printed out the pdf of this cartoon for children to read, and the effect was very good.

The problem at this stage is that my son’s cognition can’t keep up, and this shortcoming will be widely exposed at RAZ G level.

Fourth, RAZ explanation stage: G

Finally, I came to the stage of comprehensive explanation, and I remember the mummy most clearly!

The first few levels are not very different in terms of language difficulty or knowledge background, or I don’t feel very different from Eva. So I can brush and roll and go back and forth at those levels.

However, RAZ G-level cognition is slowly developing towards the gap, and many things are very difficult to talk about. Let’s talk about the "mummy". Do you really want to break it and make it clear that children are not allowed to have nightmares?

Let’s call it a day, just talk about it. I forgot the start time, and the round ended on April 16th, and then it was a roller coaster until May 20th.

At this stage, there are more than a dozen local brushes every day, and there is plenty of time to hit the epidemic. I remember it was fixed in the later period, with 13 new books and 2 old books every day, which also drove the rolling wheels continuously. Make it clear that the literal meaning is the next one, and the baby understands that it is a bit confusing to ignore it. It is precisely because of cognitive reasons that G has become the most unsound first-class book in the past. I didn’t read it, didn’t read it myself, and talked about it once, all of which were superficial.

The effect is also there, because RAZ is not the only resource.

While taking our son to read RAZ G, we have the following reading packages:

1. Needless to say, The Oxford Tree expands reading.

2. "Little Potato Who Loves Singing" audio.

Speaking of singing, I listened to Super Simple Songs by the way.

4. Little fox graded cartoon Dino Bodies

5. bridge book Fly Guy

Fly Guy’s audio is great, highly recommended!

6. bridge book Frog and Toad Are Friends

At that time, my son could not understand the bridge, but he could read it. Many times I need to explain to him, such as "Pulled the covers up all over his head". I just said this sentence while lying in bed and pulled the quilt over my head. Basically, I slowly entered the bridge door in this way.

At that time, I also realized that Eva had completely accepted listening to English audio, and it could be strengthened.

The next stage, the most important stage of RAZ, is coming.

V. RAZ listening stage: H.

In contrast, if G is the least solid level, then H is the most solid level at present. I have followed almost every word and sentence in it. Maybe it is not a follow-up, but a retelling of the original sentence. Because the sentence is too long to keep up, retelling is the accurate statement.

On May 20, 2020, my son began to listen to RAZ H blindly, and on September 3, he listened to the last book for 108 days. It ended earlier than expected, because it was heard faster in the later period and the overall progress was smooth. Below I summed up some key points in the process of taking my son to listen to RAZ H:

1. Material selection

On the premise of the original materials, as long as the difficulty is acceptable and the children do not reject it. I didn’t strictly distinguish between reading text and listening text, so the current level simply can’t reach the level of picking materials. It is enough to have the original audio, and it is enough to listen.

Step 2: Schedule

Initially: 1 book/day, 5 books/week

Mid-term: 1 book/day, 6 books/week

Later period: 1 book/day, 7 books/week.

Finally: 2 books/day until listening.

Time required to listen to an article: it takes about 30-40 minutes to finish an article at first, and it takes more than 40 minutes for the difficult one; Later, all the progress was made slowly, and it was shortened to 15 minutes.

3. Ways and means

All the materials are listened to blindly, a few of them need to look at pictures to help them understand, and most of them listen without looking at words or pictures. After listening, repeat the whole sentence completely from the first word to the last word. You can’t change words, miss words or make mistakes. Listen and speak again if there are any mistakes until the statement is completely correct.

4. Key and difficult points

The emphasis is on repeating long sentences word by word, and the difficulty lies in new words and cognition.

At present, there has been a breakthrough in key issues, and the shortening of the later period also illustrates this problem. The mastery of new words varies according to the exposure rate, and the cognition is not strong. The political and historical aspects are practical and stop. Animals and plants will expand slightly, which is related to children’s interests and basic knowledge.

5. Daily review

In the dialogue, I will mix some complicated sentences with my son to deepen my impression.

Sometimes the sentences I heard the day before will specially remind my baby to repeat them.

Choose the content with moderate and fast speech speed from the books you have heard and divide it into 8 groups, and scroll and listen widely.

Step 6 make slow progress

When I first entered Little Peanut, I was caught in the late stage of anxiety disorder by an article full of "from zero foundation to the first chapter in * months", "4,000+vocabulary at the age of four", "barrier-free oral communication at the age of three" and "simultaneous output of Chinese and English at the age of two". Later, I forced myself to open my mind, and my mind was flat.

I invest little in English every day, regardless of mother tongue acquisition or dual mother tongue, as long as today is better than yesterday. In that case, why worry? With different goals, it is meaningless to measure yourself by other people’s benchmarks. I also know that the progress of this 108-day baby is just a breakthrough in long and difficult sentences and a little sense of language. Cognition and understanding will definitely not be achieved, and I don’t want him to achieve it. But there is no denying that this is progress, though slowly.

The process of listening and after listening, the baby has a sense of accomplishment. At that time, in September, Eva was about to start school. This month, I asked my son to listen to novels casually and relax. We will wait until after the National Day.

Let’s take the single book in RAZ as an example to talk about the details of our listening and reading:

The first A Desert Counting Book is particularly simple. It tells what a puppy saw in the desert, in numerical order.

My baby loves numbers, so this book goes very smoothly.

The most difficult book, Abigail Adams, is about the wife of the President of the United States.

It’s still the same question that I just said, but I can’t keep up with it. The content is very strange, the sentence is very long, and there are new words. My method at that time was to write all the words in a sentence on the card. After listening to that sentence, let the baby pick the words he heard in the card, then arrange them in the order he heard them, and then try to repeat them by himself until he said them.

In the next few days, I have been posting those cards on the whiteboard. When I have nothing to do, I will take a look and slowly drive my listening through literacy advantages. After eating that book, the back steps slowed down.

The most pedunculated one, Legs Wings,Fins,and Flippers, was turned out a few days ago.

There is a saying in this book, "fish use their fins and tails to move through the water". When I talked about fins, I couldn’t remember what was behind and, so I pointed to my ass and learned to swim like a fish. My baby said with an epiphany, "hips!" ….. Laughed for a long time, often mentioned.

Son, at the stage of reading RAZ H, our reading collocation:

1. The Oxford Tree must be expanded to read.

2. bridge book Nate The Great

Highly recommended! Short sentences, few words, interesting and concise language.

3. The first level of rainbow rabbit Graded Story House (actually the first library)

4. Little Fox cartoon audio Lemonade Detectives

5. Little fox cartoon audio Journey to The West

6. Let’s Read and Find Out Science 1 (that is, "subject 1")

7. I Can Read 2 part of the bridge

8. Wordly Wise, Grade 2 (also known as 3000 words)

9. Saz GK also listened to several books.

At this stage, the baby took the initiative to read some books, and later all of them were stopped for eyesight. However, after G-level and H-level were not solid, RAZ also came to the small end of cognition. Both the baby and I showed fatigue, so it naturally entered the RAZ pause period.

Six, RAZ pause stage: hearing the first chapter from the bridge

After listening to H, in order to have a good rest, and also to stroke the arrangement behind, I started the listening plan of Bridge Book after consulting with Wa.

However … The road didn’t work out. My idea is to let the baby say one sentence after hearing it, just like H, but it turns out that I was careless. At first, I let the baby listen to a new book, and every sentence is ok. Later, listening to Nate the Great was wrong.

I broadcast a sentence on the audio, and the baby can say it together with the next two or three sentences. Because he is familiar with it, he is also familiar with the background sound … Based on this situation, Nate the Great’s sentence-by-sentence listening mode came to an end after listening to the first book.

As a result, I found a set of difficult first chapters for my baby, A to Z Mysteries.

In the same way, listen and say one sentence, make clear what you don’t understand, act and act, and every word and sentence you don’t understand will be explained clearly in Chinese.

In this way, I spent a month listening to The Absent Auther, and this book became the second listening mountain that my baby has climbed since Raz H.

Reading collocation at the stage when my son heard the first chapter from the bridge;

1. The eternal king "Oxford Tree" expands reading.

2. Nate the Great background sound

3. Frog and toad series background sound

4. RAZ H background sound

5. Peppa Pig background sound

6. Go wild Children’s Natural Science Series 1

7. I can read level 2 bridge book

8. One Story A Day background sound, this set is basically thirty stories a day.

After listening to The Absent Auther, I tried to access the Horrid Henrry chapter book. The first one went well, but the second one failed, so I decisively changed to a bridge.

Before RAZ I, I had formed the habit of listening to English for 30 minutes every day with Eva. We allocated these 30 minutes to different levels and types of audio:

Bridge 10 minutes (in line with the current level)

The first chapter is 10 minutes (elevation)

Fiction nonfiction 10 minutes (popular science)

At present, the listening collocation is: bridge Horrid Henry+initial chapter Boxcar Children+ non-fiction "subject one subject two".

It is reasonable to say that the first chapter is more difficult than the bridge, but the actual situation is that Boxcar Children sounds simpler than Horrid Henry. It may be because of the different British and American accents, or it may be influenced by sound effects.

Generally speaking, this collocation is quite suitable for my baby, and I should practice listening in this way for a long time to come.

Seven, RAZ current stage: I

One day after I got into the habit of listening for 30 minutes, I tried to find an I-level book for my baby, and found the difficulty acceptable and understandable.

But the problem is that there is no time. It will be 5: 30 when I get home from school in the afternoon. Half an hour of English listening is enough. I can’t encroach on the baby’s playing time, let alone think about sleeping time! Therefore, RAZ I has become the most neglected level-it has officially become a bedtime story.

There is no point reading pen, no self-reading, no sentence-by-sentence listening, no retelling … I just mix in a few books unremarkably every night and wait for me to read them to Eva. That’s not accurate. I didn’t even buy a paper version. I read an electronic version … every night, and I read a bedtime story.

After the early accumulation, the number of new words in Grade I is not large, the difficulty is not great, it is easy to understand, the space is short, and it is expected to be brushed smoothly.

Son, listen to me read the cooperation books in RAZ I stage:

1. The Oxford Tree expands reading.

2. Horrid Henry Bridge Edition Audio.

3. Boxcar Children audio.

4. "One subject, two subjects" audio.

5. 48 copies of Red Rocket in green

6. RAZ H is also a bedtime story every day.

At this time, the baby has completed the transformation from "reading to listening" to "listening to reading", and even some words I can’t hear, he can.

Eight, about the quiz reading test and whether the baby understands it.

One year, during which I read and listened; There is a storm and a pause; There are emphasis and paddling. Generally speaking, the brushing method at each stage combines the different States and levels of the baby at that time. But one thing hasn’t changed: don’t be quiz.

I didn’t do quiz at first because I didn’t know RAZ had quiz! It’s not too late when I know, it was the C-level stage. But I still didn’t do it, because I didn’t know the words in quiz, and I couldn’t read the questions … Later, I still didn’t let her do it, mainly because of the positioning of RAZ mentioned at the beginning: preschool is a side dish.

Since it is a side dish, of course, the investment in time and energy is slightly inferior, at least for now. It is also very important that RAZ’s quiz is not suitable for my three or four-year-old baby.

I know that there are children who brush RAZ carefully at the age of one, and I have also heard of Niu Wa who can understand the content at the age of three when she brushes G, and the miracle child who can hear P when she is less than four years old. I have also met parents who take quiz as the criterion and refuse to upgrade.

My understanding of these phenomena is: no matter what others are like, what is suitable for their children is good. Just suit his level, his age and his characteristics.

Although we don’t do quiz now, when my son goes to school, we need to do it at a high level.

So if you don’t do quiz, how can you ensure that the baby understands? My method is to chat. He can tell a thing or two about everything that Eva understands. Isn’t this a good opportunity to guide and output? Whether in English or Chinese, as long as he can express his understanding, right or wrong, it is something to be encouraged.

What if you really can’t understand it? Leave it here, and we’ll talk about it later. You can look at something else, expand at the same level, and grade tens of millions. You don’t have to catch RAZ.

Write at the end: Compare my son’s English reading a year ago and now, and think that Wa was still a small class doll with hearing loss when he brushed RAZ A last year. Recently, this phenomenon often occurs when I listen to English with Wa: He understood and said it, but I didn’t understand or heard it wrong …

Compared with a year ago, Eva can now:

Listen to the bridge and the first chapter, and repeat the long sentence: "This is because the weather conditions here is just right and there is many different kinds of trees";

Can output short sentences independently: "my hand’s getting damp"；;

I also independently output complex sentences: "I think the t-rex will eat the shoe that wilfhad dropped".

Understanding has also increased a lot, and many things can be understood and clearly stated. These are all thanks to RAZ-really?

Of course not! This is not the result of RAZ’s grading, but the little progress accumulated by the baby’s growing age, increased experience, understanding, memory and timely adjustment plan, the collocation of different resources and unremitting efforts. Therefore, after I’m finished, I will still match the audio and reading materials with different contents and difficulties according to the level of the baby, and the principle of taking time, place and conditions as the transfer will not change.

RAZ is a good set of grading, but it is not the only grading. If the child doesn’t like it, switch to something else or match it with something else. If it is difficult, expand or pause at the same level. A set of grading of more than 2,000 books can’t be brushed smoothly in any way. There will always be steps, tiredness and unwillingness to brush. You can use it as a main course or as a side dish. It’s good to hurry up or slow down.

Again, whether it’s a black cat or a white cat, catching a mouse is a good cat.

Original title: "Take a 4-year-old son to" climb "to RAZ level 10 in one year and share our staged listening and reading strategies"

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