Literature | Toona sinensis in spring

Toona sinensis is a kind of tree with strong vitality.

In early spring, when the wind is still hard and the sky is still cold, and other trees are still ignorant, Toona sinensis sprouts. Little red buds took the lead in sticking their heads out of the branches and timidly looked out. Hey, isn’t there a little green? Everyone is still immersed in the atmosphere of winter. I want to sprout quickly, and I can’t let other trees get ahead of me.

The next day, the buds of Toona sinensis were much bigger than the day before. On the third day, the small bud bud became several stretched leaves. The spring breeze blew, and the buds seemed to be blown away. In a blink of an eye, the whole tree was covered with fragrant and tender buds. Against the gray sky in early spring, the small buds are particularly eye-catching on the bare branches.

Nodding from the bud of Toona sinensis, the owner will look at it every day and think about the right day to break up every day. When the buds of Toona sinensis grow to a length, that is, the thumb and forefinger are stretched out so long, it is necessary to twist off the branches with long rods with hooks. There are new buds on the branches. Break off the buds of Toona sinensis from the branches and put them in the basket. The first stubble of Toona sinensis did not break much, because there were few buds.

Toona sinensis, the first crop, is also the most expensive, and its taste and fragrance are top grade, so the price is naturally extremely high. Toona sinensis buds cost one price a day, and the second crop of Toona sinensis is much cheaper. I remember that in the past, we didn’t eat the first crop of Toona sinensis, so we couldn’t afford it. It was very good to buy the second crop of Toona sinensis. It’s not like now. You can buy any stubble of Toona sinensis if you want.

Therefore, it is necessary to break the buds of Toona sinensis from the tree before it is too late, just like Zhang Ailing said, "Be famous before it is too early." Toona sinensis bud is a kind of leaf that takes the youth route. The younger it is, the more valuable it is, and so is leek. Toona sinensis became less and less valuable in the future. In the end, it was mixed in the green of poplar, French phoenix tree and locust tree, and became an ordinary neglected leaf.

Every spring, the Chinese Toona trees at the head of my building will be torn apart by long poles with hooks, almost bald, and their branches will be unscrewed to break off buds and abandoned on the ground, with different lengths and scattered all over the floor. I even thought that these trees were finished and life was coming to an end. However, after a few days, new buds began to sprout from other places, and they disappeared for a few days, and the trees were full of green. Toona sinensis is tossed once or twice every year, and then it comes back to life. It has tenacious vitality.

Yan Shu’s "Toon" said: "The trees in southern Chu are full of charm. Why use it for eight thousand years, Teng Ling is stunned by the bacteria. " The charm of Toona sinensis can be seen.

There are many ways to eat Toona sinensis, such as braising Toona sinensis in oil, scrambled eggs, and pickling into Toona sinensis sprouts, so enjoy your cooking. Most people eat the first crop of Toona sinensis, but few people care about the second crop, and it is no longer the poverty it used to be.

Although Toona sinensis has been eaten every year and eaten so many flavors, it was only at that time that the taste was amazing and then it was forgotten. Many years later, when I think of Toona sinensis, I was still in my grandmother’s yard when I was a child. In front of me was a big pot brought by my grandmother. I opened the steaming pot cover, and there was a pot of cooked Toona sinensis leaves in the pot. At this time, they can no longer be called Toona sinensis buds. They are mature leaves with thick joints and thick leaves, which are the last leaves that have been picked many times. These old leaves are cooked and salted to make pickles. Childhood is so poor that children don’t have any snacks to eat, so poor that they have to eat mature Toona sinensis leaves to make up for the lack of food.

Grandma took out a leaf from the pot, blew it on her mouth, and handed it to me if it was not too hot. I took it and put it in my mouth, and the skin on the pole was delicious, so I chewed it off bit by bit. The cooked leaves of Toona sinensis have a unique taste, without the delicacy of Toona sinensis buds, but with chewing heads. I have a handful of leaves in my left hand, my right hand is at my mouth, and my grandmother looks at me with a smile. She must feel that she has finally found something to eat for her nephew. Grandma is very happy.

Time has passed, the past has gone, and grandma’s smiling face is just fixed in the yard of that spring.

(The author is a member of the Writers Association of Zibo City, Shandong Province)

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Silver hair economy, financial "window"?

On January 5th, the executive meeting of the State Council was held to study the policy measures to develop the silver-haired economy and enhance the well-being of the elderly. The meeting emphasized that developing the silver-haired economy is an important measure to actively cope with the aging population and promote high-quality development, which is beneficial to both the present and the long-term.

The central financial work conference held at the end of October last year mentioned doing five major articles well, and pension finance is one of them.
The Central Economic Work Conference held in December last year proposed to develop the silver-haired economy, "speeding up the improvement of the birth support policy system, developing the silver-haired economy and promoting the high-quality development of the population."
A series of policies all point to the silver-haired economy. Is there any reason for financiers not to act?

The central bank bears the brunt of its efforts.

Recently, when reviewing the work in 2023, the central bank said that in 2023, the People’s Bank of China continued to increase financial support for the aged.
There are three specific contents:Guide banks to make good use of special refinancing loans for inclusive old-age care and strengthen financial support for old-age care services. The data shows that by the end of the third quarter of 2023, banking financial institutions have been supported to provide preferential interest rate loans to 66 inclusive pension service institutions in five pilot provinces such as Hebei.
It is understood that the special re-loan for inclusive old-age care is a special re-loan set up by the People’s Bank of China, and the supporting field of the special re-loan for inclusive old-age care is qualified inclusive old-age care institutions. On April 29th, 2022, the People’s Bank of China and the National Development and Reform Commission decided to carry out pilot projects in some areas.
Strengthen the guidance of credit policy and promote the credit supply of pension industry. According to the data, by the end of the third quarter of 2023, the loan balance of seven big banks, namely China Development Bank, Agricultural Development Bank, Industrial and Commercial Bank of China, Agricultural Bank, Bank of China, China Construction Bank and Bank of Communications, was about 101.2 billion yuan, up 31% year-on-year.
Encourage the upgrading of financial aging services and enhance the inclusiveness of pension finance.. Promote the transformation of bank outlets and mobile clients.
Now, do you often see blood pressure monitors, first aid kits, wheelchairs, reading glasses and other equipment at bank outlets or counters? Among them, there is a little attention from "Yang Ma"!

goldMelting machineConstruct and increase supply

At present, financial institutions continue to introduce financial products for the aged, such as savings, wealth management, trust and Public Offering of Fund.
In terms of personal pension products, according to the catalogue of personal pension products of the national social insurance public service platform, as of January 9, 2024, the total number of personal pension products reached 753. Among them, the number of savings products reached 465, which is the largest number of personal pension products at present; The number of funds is 162, ranking second in total; There are 107 insurance and 19 wealth management respectively.
Here are a few types of pension financial products for you:
Specific old-age savingsThe savings category specially set up for the old-age goal is actually a longer-term fixed deposit, which is divided into different files according to the savings years, and the interest rate is slightly higher than the five-year fixed deposit rate of large banks.
Financial products for the aged, mainly adopts the strategy of multi-asset allocation based on fixed-income assets, which is relatively stable.
Endowment insurance productsThere are many types, and the common types include traditional endowment insurance, dividend endowment insurance, universal life insurance and investment-linked insurance.
Pension trust productsThrough customized services and overlapping trust system design and legal relationship arrangement such as family trust, charitable trust and heritage trust, we will provide all-round and comprehensive services for customers with pension needs.

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Member Chinese People’s Political Consultative Conference and Vice President of south university of science and technology of china Jin Li:
When the age of longevity comes, finance can play an important supporting role in coping with the aging population. It should be noted that the elderly are mostly dependent on property income, and their finances are fragile and sensitive, so they need better financial planning. In addition, with the extension of life expectancy, some elderly people may face the risk of disability and dementia in the future, and further aging transformation of financial services is needed. Furthermore, some private nursing homes run away after misappropriation of funds or even losses, and some financial products related to the elderly are misleading or even fraudulent, which seriously threatens the wealth security of the elderly. Some elderly people have low education level, poor ability to resist financial fraud, and sometimes excessive pursuit of high returns, misleading, leading to heavy losses.
In this regard, we must first strengthen investor education and financial planning for the elderly to help them enhance their risk awareness; Secondly, according to the characteristics of pension finance, products with low and medium risks, stable returns, long term and both savings and insurance functions should be created in a targeted manner, and the state provides tax incentives and minimum return insurance. Thirdly, in view of the problem that some elderly people’s children with mental deterioration or mental disabilities lack financial decision-making ability, we can learn from international experience, establish and improve the financial service entrustment system and the major contract review system, and create a stable long-term plan for them. Finally, it is suggested to regulate the use of funds through bank custody accounts to ensure the safety of pension investment.
Dong Ximiao, Principal Investigator of Zhaolian:
To implement the spirit of the State Council executive meeting and other related meetings and develop the silver-haired economy, both policies and markets are essential. On the one hand, the government should protect the basics and take the bottom line, and strengthen the basic guarantee; On the other hand, by making good use of the market mechanism, all kinds of business entities, including financial institutions, should give full play to their respective advantages to meet the diversified needs of silver-haired groups.
For financial institutions, they should focus on the long-term development of the pension market, optimize the allocation of financial resources, accelerate the innovation of products and services, strive to seize business opportunities such as asset management, custody, deposit and insurance, and tap indirect business opportunities such as account, card issuance and settlement. From the perspective of organizational structure, qualified financial institutions can set up a pension finance department, or set up a franchise institution for pension financial services, such as setting up a pension management company, to enhance the professional service ability of finance in the pension field. At the same time, we should constantly strengthen and improve the education of financial consumers, popularize financial knowledge in an appropriate way, strive to improve the financial literacy of silver-haired people, and enhance their awareness and ability of risk prevention.
Xiaobian Tip: Each type of pension financial products has its own unique advantages and disadvantages and suitable investment groups. For details, please consult professional financial institutions!
In addition, what other pension financial products do you know? Welcome to share them with you in the message area!

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(Sports International Football) FIFA: Saudi Arabia is the only bidder for the 2034 Football World Cup.

Xinhua News Agency, Geneva, October 31 (Reporter Shan Lei) On October 31, FIFA announced that Saudi Arabian Football Association was the only football association to submit an application for hosting the 2034 Football World Cup before the deadline.

FIFA confirmed that it has received an application from Saudi Arabia to host the 2034 World Cup, and Saudi Arabia is the only country that has expressed its interest in hosting the 2034 World Cup.

Previously, FIFA had announced that the only application for hosting the 2030 World Cup was jointly submitted by the Football Associations of Morocco, Portugal and Spain. At present, these three countries have confirmed their willingness to bid. As the centenary celebration of the World Cup will be held in 2030, FIFA plans to hold a World Cup in Uruguay, Argentina and Paraguay, and these three countries have also confirmed their willingness to host the World Cup.

Like Morocco, Portugal and Spain, Saudi Arabia still needs to pass the FIFA audit. If these bidding countries can meet the requirements of FIFA and go through the whole bidding process, then FIFA will determine its right to host at the FIFA General Assembly at the end of 2024. (End)