Cctv news　 Recently, the new R&D innovation center laboratory of Shandong Freda Bio-Co., Ltd. was officially opened in Jinan. This R&D innovation center, which is built according to international first-class standards and is full of modernity, science and technology and intelligence, will inject wisdom support into the development of China’s beauty industry.

　　In order to empower domestic cosmetics and enhance their competitiveness in an all-round way, it is urgent to consolidate the scientific research strength of enterprises and enhance their innovation ability. Happily, in recent years, more and more domestic brands are innovating and changing, and the trend of the cosmetics industry is improving. According to the Annual Report on the Development of Domestic E-commerce in Tik Tok in 2021, the sales of domestic e-commerce beauty products in Tik Tok increased by 696% that year. The strong counterattack of high-quality domestic products is behind the continuous improvement of the scientific and technological content of more and more China brands.

　　Cosmetics and medicines are homologous, and wisdom beats. As a beauty brand in China, Shandong Freda Bio-Co., Ltd. has never stopped in scientific research and innovation. It has obtained more than 130 patents, and the conversion rate of patented technological achievements is over 90%. It has also reached technical cooperation with many universities and institutions. At present, by building the three core advantages of scientific research, manufacturing and brand, we will launch new tracks such as e-commerce live broadcast and run out of the "acceleration" against the trend.

　　Yang Suzhen, deputy general manager of Freda Bio-Co., Ltd. introduced that Freda Bio-R&D Innovation Center includes two innovation sections, namely, R&D and product innovation. The R&D section is driven by technological frontiers, engaged in basic scientific research and technological inventions, and carries out original innovation, mainly focusing on research-oriented talents. The product sector focuses on consumer demand, makes use of cutting-edge technology and consumption trends, and strives to create innovative products that consumers are satisfied with from an application perspective, with market-oriented talents as the mainstay. In the future, we will continue to explore systematic research and development, and drive the high-quality development of China beauty cosmetics with scientific and technological innovation.

　　Science and technology are constantly changing people’s lifestyles and consumption behaviors. Domestic beauty cosmetics have seized the key point of technological innovation and will continue to provide consumers with a more "smart" beautiful experience. [Promotion]

　　On September 5th, The Paper learned from insiders that the Regulation Measures for Liability Insurance Business (Draft for Comment) (hereinafter referred to as the "Measures") drafted by China Banking and Insurance Regulatory Commission Property Insurance Department has been solicited for comments in the industry.

　　The Measures require that insurance companies should continuously enrich liability insurance products, improve insurance services, raise the level of protection, focus on major strategies, serve the real economy, and actively play the positive role of liability insurance in participating in social governance, resolving contradictions and disputes, and safeguarding and improving people’s livelihood.

　　Some insiders told The Paper that the "Measures" reflected the importance attached by the regulatory authorities to liability insurance. With the development of society, the role of liability insurance in social governance has become more and more obvious. With the continuous improvement of the rule of law, the liability insurance market is also growing, so supervision began to encourage and standardize the development of the liability insurance market. In addition, everyone used to compete in the field of auto insurance, and the competition has been excessive. The supervision also intends to guide the development direction of the industry and better promote the development of the insurance industry to the non-auto insurance field.

　　The so-called liability insurance refers to the insurance subject matter of the insured’s liability for compensation to a third party according to law.

　　In terms of business rules, the Measures clearly point out that insurance companies whose business scope includes liability insurance can operate liability insurance business. When an insurance company engages in liability insurance business, it shall comply with the solvency supervision requirements, scientifically evaluate its own risk management and control capabilities and customer service capabilities, and reasonably determine the types of insurance and areas it operates. When developing liability insurance products, insurance companies shall not violate insurance principles, public order and good customs, and shall not harm public interests and the legitimate rights and interests of insurance consumers.

　　According to the Measures, insurance companies should accurately grasp the definition of liability insurance, clarify related concepts and the relationship between rights and obligations, and strictly define the scope of insurable risks.The following risks shall not be covered by liability insurance: the liability for compensation caused by the insured’s intentional manufacturing of insurance accidents; Criminal fines and administrative fines; Obligation to perform; Credit risk; Risk loss that will not occur or is determined to occur; Speculative risk with both loss possibility and profit opportunity; Other risks specified by China Banking and Insurance Regulatory Commission.

　　The "Measures" also specifically lists that when insurance companies carry out liability insurance business,Seven business behaviors that may not exist, including:

　　(1) Failing to use the approved or filed insurance clauses and insurance premium rates in accordance with regulations, including but not limited to changing the approved or filed insurance products by means of special agreement in the policy or signing supplementary agreements;

　　(two) misleading the insured and the insured by exaggerating the scope of insurance coverage, concealing the exemption of liability, and making false propaganda;

　　(3) Substantially underwrite financing credit risk in the form of guarantee liability;

　　(four) to carry out unfair competition by means of interest transfer and commercial bribery;

　　(5) Making a promise that does not conform to the insurance principle;

　　(6) Eliminating or restricting competition through intermediaries, trade associations or other organizations;

　　(seven) other acts stipulated by China Banking and Insurance Regulatory Commission.

　　The "Measures" emphasize that insurance companies should clarify the relationship between liability insurance and property loss insurance, credit insurance, guarantee insurance, accident insurance and other types of insurance, reasonably determine the types of insurance, consciously maintain the market competition order, and must not harm the legitimate rights and interests of other insurance companies or consumers.

　　When participating in liability insurance projects organized by government departments at all levels, insurance companies shall strengthen communication with government departments, policyholders and insured persons, and shall not blindly expand the scope of protection. Those that are not covered by liability insurance shall not be underwritten in the name of liability insurance.

　　As far as service contracts are concerned, the Measures require that if liability insurance products provide insurance services, their shared costs shall not exceed 20% of the signing premium, and the main contents of insurance services shall be clearly defined in the terms. Services exceeding the above limits shall be provided separately and shall not be included in the premium. Where an insurance company provides insurance services alone, it shall sign an insurance service contract and indicate the service content and service price in the contract.

　　In addition, insurance companies should formulate data security management systems, strengthen data security management capabilities, and must not disclose the information of the parties to the insurance contract, or engage in any activities that have nothing to do with the insurance business or harm the interests of the insured and the insured.

The Yangtze River and the Yellow River are the mother rivers of the Chinese nation, which have nurtured a long history of Chinese civilization. General Secretary of the Supreme Leader emphasized that "the Yangtze River and Yellow River basins are the main battlefields of ecological civilization construction". Since the 18th National Congress of the Communist Party of China, through a series of important measures, remarkable achievements have been made in the ecological protection and management of the Yangtze River and the Yellow River, and the mother river has regained its vitality.

The main stream of the Yangtze River has maintained Grade II water quality for five consecutive years.

On the banks of Liangzi Lake in Ezhou, Hubei Province in the Yangtze River Basin, as night falls, millions of fireflies attract an endless stream of tourists.

The team led by Fu Xinhua has been monitoring the migration and survival of fireflies for 20 consecutive years.

Fu Xinhua, a professor at Huazhong Agricultural University: In the past five years, the population size of rare aquatic fireflies has been expanding at a rate of 15% to 20% every year. Because these aquatic fireflies can only live in Class I water, it can also directly reflect that our water environment is getting better.

The research team’s high-sensitivity monitor and AI tracking and identification technology recorded the "footprints" of more than ten aquatic fireflies in the middle and lower reaches of the Yangtze River: since 2016, the population size of the aquatic fireflies, which is the most sensitive to the water environment, has continued to expand. In ten years, the number has increased by more than 10 times.

In the air of 10,000 meters high, remote sensing satellites also perceive the ten-year changes in the water quality of the Yangtze River around fireflies.

This is a remote sensing satellite image taken in April 2015 in a tributary of the Changjiang River in Xianning, Hubei Province. The darker the yellow color, the higher the concentration of total phosphorus in the main pollutant.

This is the image of the same river section in April this year, and the color has changed from yellow to green, indicating that the total phosphorus concentration has dropped significantly.

In the past ten years, nearly 10,000 chemical enterprises in the Yangtze River Basin have been shut down and moved. While the pollution sources are decreasing, the "Skynet" that supervises the sewage outlets is becoming more and more dense.

By the end of 2024, the Yangtze River Economic Belt had surveyed 140,000 kilometers of river and lake shoreline, and found more than 180,000 sewage outlets into the river, with a remediation completion rate of about 90%.

According to the latest data, the water quality of the main stream of the Yangtze River has maintained Class II for five consecutive years.

The sediment discharge of the Yellow River in 2024 is more than the previous years’ average.

Reduce by over 80%

From the Yangtze River basin with dense water system to the north, the Yellow River, which is symbiotic with the Yangtze River, has also experienced ecological transformation in the past ten years.

This summer, Wanjiazhai, Sanmenxia and Xiaolangdi water control projects in the middle reaches of the Yellow River jointly carried out the 30th water and sediment transfer operation.

At Tongguan Hydrological Station in the upper reaches of Xiaolangdi Reservoir, the on-line photoelectric sediment detector penetrates the Yellow River water with light and senses the change of sediment content. We found that the sediment content in every cubic meter of Yellow River water flowing here decreased from the average of 27.5 kg (1952-2020) to 5.76 kg in 2024.

The key to the decrease of sediment in the Yellow River year by year lies in the Loess Plateau.

Overlooking the gullies on the Loess Plateau from high altitude, we saw a warping dam built to intercept floods and sediments. Today, there are 58,300 silt dams in the Yellow River Basin, with a cumulative sand retention of 7.4 billion tons. In 2024, the sediment discharge of the Yellow River decreased by over 80% compared with the previous years’ average.

When the satellite images of the Yangtze River estuary fade away from the turbidity of the past; When the Yellow River Delta is transformed into an ecological paradise where birds flock together, the rejuvenation of the Mother River not only allows the residents in the basin to share the ecological well-being, but also creates a "green backbone" for the sustainable development of the Chinese nation!

　　The scene of the derailment accident of the "poison train" in Ohio, USA (data map)

　　Overseas network April 12 thAccording to the Associated Press reported on April 11, after the "poison train" accident in East Palestine, Ohio, the soil and liquid containing toxic chemicals in the accident site are being transported to Michigan for storage. This news made local residents and politicians angry.

　　A local official in Michigan said: "People have seen photos of the scene of the accident in Ohio before, and they saw smoke and wild animals dying. It is terrible that people have heard that local residents have health problems. Now, (toxic substances) are entering our community. " Due to strong protests, the US Environmental Protection Agency was forced to interrupt the transportation of toxic substances at the scene of the accident.

　　In addition to Michigan, in Indiana, Oklahoma, Maryland and other places, the voice of refusing to accept the "toxic train" accident waste continues to rise. The EPA responded that States should not interfere with federally authorized waste transportation.

　　Nevertheless, local governments are still trying their best to avoid receiving toxic waste. A company tried to discharge the liquid from the accident site into the wastewater system in Baltimore, Maryland, but the plan was aborted because of the obstruction of the mayor of Baltimore.

　　At present, Ohio officials are putting pressure on the railway company and the US Environmental Protection Agency to remove contaminated soil and liquid. There were 24,400 tons of soil to be treated at the site, some of which had been transferred to three treatment facilities in Ohio and facilities in Michigan, Indiana and Texas. However, protests broke out after that, which interrupted the transportation of toxic waste. (Overseas network Liu Qiang Intern Shang Ruiwen)