CCTV News:Recently, the Ministry of Commerce proposed to innovate consumption scenes, appropriately relax the restrictions on temporary display, and use night markets and theme markets that consumers love to see to create consumption scenes that meet the needs of different consumer groups. When interviewed in Huarong County, Hunan Province, the reporter saw that the standardized night stall market made the night consumption lively and orderly.

　　In the evening, the night stalls in Huarong County, Hunan Province are also lively. Looking up, although there are many stalls, they are miscellaneous but not chaotic. The stall owners are lined up in an orderly manner according to the designated area designated by the urban management.

　　In March this year, after Huarong Urban Management Brigade Regional Squadron opened the night stall for approval, Huang Feng immediately signed up and set up this stall near his own store.

　　That night, all the 14 tables in Huang Fengjia’s booth were full of guests, and there were many guests to take out. Due to the unique taste and reasonable price, the ice flower and pot-stewed taste of Huangfeng booth sell well every day, and now the daily income exceeds 1,000 yuan.

　　In Huarong County, there are more than 300 stall owners like Huang Feng’s family who use their free time to set up night stalls. In order to further standardize the night stall market and increase the market vitality, Huarong County has specially introduced the night stall declaration and management system to simplify the work flow.

　　The filing of P2P peer-to-peer lending platform, which has attracted much attention in the industry, has now ushered in new progress. It is reported that the regulatory authorities are soliciting opinions on the online loan filing rules. According to the current plan, some provinces and cities will be the pilot areas for filing. On the basis of summing up the pilot experience, according to the overall time limit of three years to prevent major risks, the filing and registration of stock online lending institutions will be completed nationwide in 2020.

　　In the eyes of many people in the industry, the introduction of online loan filing rules will be another major measure after compliance inspection and Opinions on Doing a Good Job in Classified Disposal and Risk Prevention of Online Loan Institutions, which is not only conducive to the follow-up filing work of the compliance platform, but also conducive to protecting the rights and interests of lenders and promoting the orderly clearing of industry risks.

　　Continuous adjustment of the industry

　　"The proposal of the online loan filing rules will promote the online loan industry to take a substantial step, which also means that the filing will be restarted in the near future. The acceleration of industry clearing and the filing of the compliance platform will obviously boost market confidence. " Zhang Yexia, dean of the Online Loan Home Research Institute, said.

　　Since the Notice on Implementing the Interim Measures for the Management of Business Activities of Information Intermediaries in peer-to-peer lending in August 2016, it was first mentioned that the online loan industry implemented the filing and registration system, and the filing of the industry has been in an irregular state. Correspondingly, the prosperity of the online lending industry continues to decline, and problem events occur from time to time. According to the incomplete statistics of online loan houses, as of the end of March this year, the cumulative number of closed and problematic platforms reached 5,595; Recently, individual head platforms also broke out risk events, which once again brought considerable impact to the industry.

　　It is worth noting that according to the current plan, online lending institutions are required to pay "one book and two gold", of which "one book" refers to the paid-in registered capital; "Two funds" are the general risk reserve and the lender’s risk compensation. "This indicates to some extent the source of redemption funds after the outbreak of risk events by online lending institutions." Experts said that among them, the general risk reserve is used to pay in advance the losses caused by the online lending institution’s own reasons (such as publishing false information, failing to disclose information as required, and self-financing of online lending institutions). Lender’s risk compensation is used to make up the lender’s principal loss when the borrower has credit risk and cannot repay the lender’s funds as agreed.

　　"For most small and medium-sized platforms, this is a cruel knockout." Ai Yawen, an analyst at Rong 360 Big Data Research Institute, said that only this "one book and two gold" has blocked many small and medium-sized platforms with weak financial strength. In her view, in the face of the "cold winter" of the industry, financing channels and funds are shrinking, and it is also very difficult for the platform to introduce shareholder financing. In the first three months of this year, only one or two online lending institutions obtained venture capital funds.

　　Small platforms are not optimistic.

　　It is noteworthy that at present, the proposed plan proposes that online lending institutions can be divided into single provincial-level regional operation and national operation according to their business scope. In the future, a large number will be single provincial-level regional operation institutions, and regional operation institutions can only carry out fund matching services in this region. "This will undoubtedly significantly narrow the scope of risks, and the lending limit will further reduce lending losses." Wang chunying, a researcher at the online loan home research institute, said.

　　In the eyes of many people in the industry, the online loan filing rules will further aggravate the industry differentiation. For the national online lending institutions, it is not limited by the geographical location of lenders and borrowers, and its potential business scope is very wide; On the contrary, online lending institutions operating in a single provincial region can only match local funds to serve local borrowers, and the business volume and scope are greatly narrowed. The development prospect of national pilot institutions is much higher than that of regional institutions.

　　At the same time, Zhang Yexia said that the lenders and borrowers of new matchmaking business in the place where a single provincial-level regional operating institution operates must remain in the same provincial-level region as the place where the online lending institution is registered, which may trigger a wave of platform migration, only in the regional operation. The platform will reconsider the filing place.

　　In addition, for platforms that cannot complete filing, they can also guide institutions to transform into online small loans, consumer finance companies, or other licensed financial institutions. However, in Ai Yawen’s view, in addition to continuing to file for rectification, if the platform does not have absolute resource advantages, the transformation is of little significance. Small-scale online lending platforms with insufficient background strength are generally weak in operational capacity, poor in comprehensive anti-risk ability and not optimistic in profitability.

　　According to the key monitoring data of Rong 360 Data Research Institute, as of the end of March this year, there were 1,047 online lending platforms operating normally in China, with at least 300 registered funds less than 50 million yuan, and 245 outstanding ones less than 100 million yuan. Some of them have suspended bidding and even become "zombie platforms" (no new bidding will be issued for three months).

　　Strengthen investor protection

　　In order to better protect investors, according to the current plan, the number of creditor’s rights transfers between lenders of the same online lending platform shall not exceed three times, and creditors of different online lending platforms shall not transfer creditor’s rights; Online lending institutions shall not carry out automatic bidding and other entrusted bidding business; The lending balance of natural person lenders in the same online lending institution shall not exceed 200,000 yuan, and the total lending balance in different online lending institutions shall not exceed 500,000 yuan.

　　"This is to control the risk of online lending within a certain range and reduce the harm of risk events to lenders." Zhang Yexia said, but some detailed requirements need to be further explained. Take the lender’s identity authentication method as an example. For the online lending institutions operating in a single provincial region, the lenders and borrowers who have newly added matching business must remain at the same provincial level as the online lending institutions’ registration places, and the ways to confirm the lender’s identity need to be further clarified, such as referring to the ID number, the place where the mobile phone number belongs, and the login IP.

　　At the same time, in terms of the lender’s asset certification method, Zhang Yexia said that the asset certification needs to specify whether the lender needs to upload relevant certification materials and the form of certification materials, such as bank flow, income certificate, social security/provident fund payment record, and equity asset account balance. If uploading is needed, how to identify the authenticity of the certification materials by the platform is also a major problem for testing online lending institutions. At the same time, the issuance and uploading of certification materials may also cause poor lending experience of online lending platforms.

　　In addition, Sack Research Institute believes that under normal circumstances, the less investment, the weaker the risk tolerance of users. Online lending has high risks, so we should set a threshold for qualified investors and raise the initial investment limit.

　　Although officials and scientists have voiced their voices and made it clear that the idea of linking the new coronavirus with 5G is "complete nonsense", it does not seem to prevent rumors from continuing to be sought after.

　　The latest news is that after Britain, there have also been incidents in the Netherlands where 5G signal towers were set on fire and vandalized. Some people even planned to hold a larger-scale protest against 5G on Easter on April 12th through social media.

　　Some British mobile operators said that under the influence of conspiracy theories, some telecom employees have been threatened.

　　one

　　On April 10th, local time, the signal tower in the northern Dutch city of Groningen was set on fire.

　　According to Dutch media reports, at least six signal towers were set on fire and destroyed. In the past week, there have been four similar incidents in the Netherlands.

　　In Europe, similar incidents appeared in Britain earlier.

　　On April 2, local time, a 21-meter-high mobile signal tower in Birmingham, England was set on fire, and firefighters put out the fire after two hours. The next day, a 5G signal tower in Merseyside was also set on fire … …

　　The Guardian reported that at least 20 cell phone base towers were deliberately set on fire or vandalized.

　　In this regard, the British Broadcasting Corporation (BBC) said that two consecutive incidents of burning mobile signal towers coincided with the widespread spread of the "unfounded" conspiracy theory that "5G caused the spread of Covid-19".

　　The British "Daily Mail" bluntly said that these incidents were related to the rumor that "5G network spread Covid-19".

　　In fact, there are not a few people who believe and spread the rumor that "5G leads to Covid-19" on social networks in Europe and America, and even many celebrities participate in it.

　　In response to various rumors since the outbreak, a research institute of Oxford University found that 20% of Covid-19 rumors were spread by celebrities or politicians, and their content published on social media accounted for nearly 70% of the total content published.

　　As you can imagine, once the star politicians with hundreds of millions of fans spread rumors, their "influence" is equally huge.

　　two

　　Tracing back to the origin of this absurd statement, it may first come from a health summit held in Arizona on March 12th, USA, in which a doctor named Thomas Cowen claimed that 5G caused the spread of Covid-19.

　　He even argued that there was no outbreak in Africa because there was no 5G there.

　　This rumor has been widely circulated in the United States, forwarded by many celebrities and spread to more western countries.

　　With the increase of confirmed cases in Africa, this statement was quickly "slapped". However, the spread of this conspiracy theory by foreign social media has not stopped, and many statements have been deduced … …

　　Rumors are flying all over the sky, which also makes some people smell business opportunities.

　　A British company claims that it has developed a product that can prevent 5G radiation and protect users from Covid-19. Each product costs as much as 350 pounds.

　　In this regard, the four major telecom operators in the UK issued a joint statement refuting the relevant statements, arguing that the conspiracy theory linking the 5G signal base station with the spread of Covid-19 is dangerous and false information, which is totally wrong.

　　The BBC’s "fact check" column also interviewed a number of scientists, clearly indicating that the idea of linking the new coronavirus with 5G is "complete nonsense", without any basis and biologically impossible.

　　British officials later came forward and pointed out that this "conspiracy theory" is completely nonsense.

　　three

　　In fact, anti-5G organizations have always existed abroad, but why is this reaction so fierce?

　　In this regard, some media articles pointed out that on the one hand, the COVID-19 epidemic spread, and related topics naturally attracted high attention; On the other hand, rumors can spread quickly, which also reflects the social panic behind them.

　　Christian Lindemeyer, a spokesman for the World Health Organization, once said that people should treat Covid-19 rationally and not panic.

　　But it is easier said than done. In reality, many people hold the attitude of "believing what is there, not believing what is not" to some rumors, and intentionally or unintentionally become the disseminators of rumors.

　　As this newspaper has reported before, every time a disaster or major public health incident breaks out, there will be irrational behaviors caused by various rumors:

　　Net-transmitted granite can prevent Covid-19 from being infected, causing netizens to rush to buy it; Others believe that drinking alcohol can prevent the virus … …

　　Fortunately, many social media have recognized the harm caused by the spread of related rumors and taken action.

　　Facebook said it would delete those remarks that "may cause harm to the real world" and would check the authenticity of other related remarks.

　　YouTube, a video website, also said that videos linking 5G and COVID-19 would be removed because they "quoted unconfirmed medical content".

　　Disaster can test human nature best. What is more terrible than the spread of the virus is the layers of fermentation of false information and the rapid spread of panic.

　　As WHO Director-General Tedros Adhanom Ghebreyesus said, in the global fight against the COVID-19 epidemic, "facts are needed, not fears", "science is needed, not rumors" and "unity is needed, not stigma".

　　Obviously, the campaign against false information and rumors is equally important in the global fight against the COVID-19 epidemic.