A number of new rules will affect our lives from now on to help you keep an eye on the "money bag"

A number of new regulations will be officially implemented today to help you keep an eye on the "money bag" and prevent fraud.

  Zhongxin. com, December 1 ST, the withdrawal and transfer of bank card peers in different places will be free, and the ATM transfer can be revoked within 24 hours; Webcast ushered in the "most stringent" regulatory order in history; Comprehensively promote and implement the reform of "two certificates integration" for individual industrial and commercial households … … A number of new regulations will be implemented from today, which will directly affect the "money bag" of ordinary people and facilitate the registration of individual industrial and commercial households.

  [Central Bank’s new regulations prevent cybercrime and protect people’s money bags]

  — — Classified bank account

  According to the Notice of the Central Bank on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks, from today, if a banking financial institution opens a bank settlement account for an individual, the same person can only open a Class I account in the same bank. If a Class I account has already been opened, a Class II account or a Class III account should be opened.

  Class I accounts are full-featured accounts, and there is no limit to the inflow and outflow of funds. Class II and III accounts are virtual electronic accounts, which are added on the basis of existing Class I accounts with decreasing functions and decreasing capital risks. Simply put, individuals can use Class I accounts as "vaults", Class II accounts as "wallets" and Class III accounts as "change wallets".

  — — ATM transfer can be withdrawn within 24 hours.

  In order to prevent and crack down on telecommunication network fraud, from today, ATM (self-service teller machine) will be used to transfer money. In addition to the mutual transfer of my peers’ accounts, I will transfer money to others across banks and it will take 24 hours to get the account. If you have doubts about the transfer, you can cancel it within 24 hours.

  — — Peer withdrawals and transfers from different places are free.

  In view of the fact that an individual can only open one Class I account in a bank, in order to facilitate the production and living needs of individuals in different places, the central bank conveniently cancels the handling fees for deposits and withdrawals and transfers from peers in different places, stipulating that all banks must be in place before the end of the year. This means that the "roaming fee" charged by bank card peers in different places will withdraw from the historical stage, and ordinary people can "travel all over the country" with only one debit card.

  [Pornography, self-mutilation, fraudulent donation, too spicy eyes, webcasting can no longer be "willful"]

  With the rapid development of webcasting, all kinds of chaos have emerged. Drinking fire wine, fake charity, in order to attract fans, some anchors play pornographic ball. Since December, webcasting has ushered in the so-called "strictest supervision order in history", and the "real-name registration system+blacklist" has been officially implemented.

  From today, Internet live broadcast service providers should authenticate the real identity information of live broadcast users based on mobile phone numbers and register the live broadcast publishers based on identity documents, business licenses and organization code certificates in accordance with the principle of "real name in the background and voluntary in the foreground". On the basis of real-name registration system, live broadcast service providers should establish a blacklist management system, and prohibit users of live broadcast services from re-registering their accounts.

  [Advertising will be punished if the new regulations on advertising release and registration are implemented]

  The Regulations on the Administration of Advertising Release and Registration promulgated by the State Administration for Industry and Commerce will come into effect today. Those who have obtained the registration of advertisement release by cheating, bribery or other improper means shall be revoked by the administrative department for industry and commerce according to law, and be fined between 10,000 yuan and 30,000 yuan.

  Radio stations, television stations, newspapers and periodicals publishing units that engage in advertising business without registration shall be investigated and dealt with by the administrative department for industry and commerce in accordance with the relevant provisions of the Advertising Law. If the registered items of advertising release change, and the advertising release unit fails to handle the change registration according to the regulations, the administrative department for industry and commerce shall order it to change within a time limit; If the registration of change has not been handled within the time limit, a fine of 10 thousand yuan or more and 30 thousand yuan or less shall be imposed. If the advertising publishing unit fails to submit the Statistical Report of Advertising Industry as required, it shall be given a warning by the administrative department for industry and commerce and ordered to make corrections; Refuses to correct, a fine of 10 thousand yuan.

  [The new radio management regulations implement heavy-handed rectification of pseudo base stations]

  The revised Regulations on Radio Management in People’s Republic of China (PRC) will come into force today. The revised regulations cover radio frequency management, station management, transmitting equipment management and radio foreign-related management, improve the management system for effective development and utilization of radio frequency, reduce and standardize radio administrative examination and approval, strengthen supervision during and after the event, and increase punishment for illegal and criminal activities such as telecom fraud by using "pseudo base stations", which provides a strong legal guarantee for promoting radio management and promoting the sustained and healthy development of radio industry.

  [What circumstances are exempted from guarantee in the implementation of multiple judicial interpretations? How to calculate fraud? 】

  A number of judicial interpretations will come into effect today. "Provisions of the Supreme People’s Court on Several Issues Concerning Handling Property Preservation Cases" clarifies the circumstances that can be exempted from guarantee, so as to reduce the burden of guarantee for the parties and solve the difficulty of preservation; The Provisions of the Supreme People’s Court on Several Issues Concerning the Alteration and Addition of Parties in Civil Execution clearly changes the statutory principle of appending, and clarifies the circumstances of the alteration and addition of the application executor, including the alteration and addition of the limited partner with defective capital contribution and the liquidation responsibility of the enterprise that is cancelled in violation of regulations; The Provisions of the Supreme People’s Court Municipality on Strictly Standardizing the Termination of the Execution Procedure (Trial) has made strict requirements on the elements of the termination of the execution procedure, so as to prevent local courts from abusing the termination of the execution procedure for one-sided pursuit of the settlement rate; The Provisions of the Supreme People’s Court on Several Issues Concerning the Trial of Independent Letter of Guarantee Disputes clearly defines the nature of independent letter of guarantee, and at the same time strictly defines the fraud situation and proof standards.

  [Ten years of grinding a sword, the asset appraisal industry welcomes the first basic law]

  The asset appraisal law, which has been brewing for ten years, was passed at the 21st meeting of the 12th the National People’s Congress Standing Committee (NPCSC), and the asset appraisal industry, which has been developing for nearly 30 years in China, ushered in the first industry law. The law will come into effect from today.

  This law highlights the reform spirit of promoting decentralization in China, lowers the entry threshold of professional qualifications, and focuses on standardizing the professional behaviors of appraisers and appraisal institutions. Experts said that lowering the industry entry threshold is conducive to better encouraging people to start businesses and innovate. People’s daily needs such as financing loan mortgage, compensation for house demolition and compensation for farmland occupation can get assessment services more conveniently, and the convenience of services will also promote the reduction of assessment fees.

  [National individual industrial and commercial households’ "two certificates integration" is promoted nationwide today]

  The Opinions on Implementing the "Two Certificates Integration" of Business License and Tax Registration Certificate for Individual Industrial and Commercial Households requires that the reform of "Two Certificates Integration" for individual industrial and commercial households be fully promoted and implemented nationwide from December 1st. After the reform, self-employed individuals will only need to apply once, and the business license loaded with a unified social credit code will be issued by the industrial and commercial department.

  There is no transition period in this reform. If individual industrial and commercial households established before the reform apply for registration of change or take the initiative to change their licenses, they will be issued with a business license loaded with a unified social credit code. The original business license and tax registration certificate of individual industrial and commercial households that have not obtained the business license for loading the unified social credit code shall remain valid.

  [Expanding the scope of labor expenses in the field of philosophy and social sciences in colleges and universities]

  The Measures for the Management of Special Funds for the Prosperity Plan of Philosophy and Social Sciences in Colleges and Universities came into effect today, and a "big gift package" was sent to 630,000 teaching and research staff of philosophy and social sciences in colleges and universities: for the first time, indirect expenses were set up in the research funds of philosophy and social sciences, and the highest extraction ratio could be up to 30%. The scope and standards of expert consultation fees and labor fees were clarified, and the proportion limit was abolished, and the budget preparation and adjustment authority was delegated, allowing the surplus funds carried forward to continue to be retained. (End)