Credit card is a non-cash transaction payment method. The recent increase in arbitrage behavior has increased the dual risks of credit card users and banks, making credit card applications more difficult.
Author | "Financial" New Media Editor Wang Baiyun | Jiang Shizhou Recently, many users said that the rates of the POS machines they use have increased. "In the past, a handling fee of 60 yuan was charged for 10,000 yuan. After the increase, the handling fee exceeded 100 yuan." The "rate" here refers to
According to a report on the US Fortune magazine website on March 31, American investor Warren Buffett said that he has severed contact with Microsoft co-founder Bill Gates since documents related to the case of the late sex offender Epstein were released. According to reports, this is the first time Buffett has made a public statement on the matter.
According to the report, the 95-year-old Buffett said in an interview with the US Consumer News and Business Channel (CNBC): "I have had no contact with him at all since the whole incident came to light. I don't want to be in the position of knowing something (because) I may be called to testify." Buffett also said that he did not want to comment too much on this topic until "the matter is resolved."
According to Buffett, he has never had any interaction with Epstein and has never met the man. He believes that because he has lived in Omaha, Nebraska for a long time, he did not have the opportunity to meet Epstein socially in New York. He said if you lived in New York and went to parties, you might have met him. Buffett called Epstein "one of the most successful liars in history." "I just couldn't believe how someone could deceive someone so successfully," he said.
"Fortune" magazine stated that the friendship between Buffett and Gates, the two former richest men in the world, began in 1991. The two later worked closely together in the philanthropic field, involving the Gates Foundation and launching the Giving Pledge initiative. Buffett has donated more than $43 billion to the Gates Foundation since 2006, accounting for nearly half of the foundation's total fundraising. In recent years, the relationship between the two has cooled. Buffett quit the Gates Foundation board of directors in 2021 and announced in 2024 that he would withdraw his decision to donate his inheritance to the foundation.
According to a previous report by the US "Wall Street Journal", Bill Gates apologized to Gates Foundation employees for his relationship with Epstein on February 24, admitting that he had extramarital affairs with two Russian women during his marriage, but at the same time insisted that he was not involved in Epstein's criminal behavior.
During the investigation, a reporter from the Beijing News found a marketing page circulating on WeChat called "2019 MPOS Official Event". "Tongyipay|Official Activity Center" is displayed directly at the top of the webpage. About 2 hours after the reporter filled in the contact information, a salesperson called back.
The salesperson said that the company's full name is "Zhejiang Chuangshuo Electronic Technology Co., Ltd." and it is a partner of Tonglian Pay. The two parties have signed a long-term agreement. The company is currently selling Tonglian's mobile POS machine called "Tongyipay" on behalf of Tonglian. After receiving the device, customers can fill in information on the Tongyipay APP, conduct identity authentication, bind payment cards, etc., and the funds can be transferred to their accounts in seconds.
During the consultation, the salesperson said at the beginning that this device is for personal use. If it is used by a merchant for collection, a business license is required to apply for the device, "so you cannot maintain a card." (The normal way to maintain a card is to swipe more cards and spend more, pay back in time, and maintain a good credit card record, which will help increase the limit. There is also a very risky way to maintain a card, which is to continuously apply for credit cards and use the money from the next credit card to repay the debt of the previous credit card, in an attempt to extend the duration of the debt.)
"When you swipe your card for normal consumption on a POS machine, such as buying something in a supermarket, the name of the supermarket will be displayed on the receipt." He further introduced that when individuals use this mobile POS machine, they write a general location when filling in the information, such as a certain community. When the card is swiped, the backend will match a local nearby merchant to ensure the authenticity of the bill.
In his opinion, the biggest difference between the TongYisu mobile POS machine sold by Chuangshuo Technology and the equipment used by merchants to collect payments is that the transaction address will jump back and forth, which is also the "way to maintain a card." "If an account spends 20,000 to 30,000 yuan at the same merchant, the bill will be unreal. Normally, merchants in the consumer's area should have transactions. The bank mainly looks at this. The bill we send to the bank matches the real local merchant of the user, which can be many. It cannot be seen whether it is a normal credit card payment or a cash out. The upper limit for a single credit card payment is 50,000, and the single-day limit is 300,000." The salesperson said.
In order to further dispel the reporter's concerns about the risks of such an operation, the salesperson also said that the company is the largest POS machine operation center in Zhejiang. It was established in 2013 and has 22 branches across the country. It has a "strategic cooperative relationship" with Tonglian Pay and took 1 million devices at one time. Most of them were sold by individual agents through online and offline channels, and they were sold out in about a year. The monthly transaction volume now exceeds tens of billions, and all POS machines sold are for personal use. “You can rest assured that you will not be investigated.”
The salesperson said that the equipment package will be mailed to the user, and a 50 yuan activation deposit will be charged before delivery. The deposit will be refunded if the cumulative credit card transaction volume reaches 5,000 yuan within a month. In his circle of friends, screenshots of multiple users receiving their deposit refunds on WeChat were displayed.
Selling the equipment itself will not bring any income, and the "number of installed machines and credit cards" is an important profit point. According to his introduction, using this Tongyi Pay POS machine sold by them, the credit card payment rate is 0.5%, plus a 3 yuan second payment fee. "Swipe 10,000 yuan and pay a handling fee of 55 yuan. The bank, UnionPay, and payment company will share the share, and the payment company will then share it with us." The person said.
Under normal circumstances, from the occurrence of a consumption to the transfer of funds to the merchant, it is necessary to go through the process of "the merchant declares the bill (the merchant sends the bill to the bank), the bank passes it to the payment company, and the payment company then calls the merchant." "The bank bill is T+1 and will arrive the next day. Now it arrives in seconds. It is advanced to you by the payment company." The person said, so even if you swipe a credit card and the funds enter your bank debit card, the bank will not find it immediately. The key point is "transfer it like this at the payment company."
The customer service staff of Tonglian Payment confirmed to reporters that Zhejiang Chuangshuo Electronic Technology Co., Ltd. is their first-level agent and may have more equipment. The specific amount cannot be verified. The customer service staff also confirmed that the Tongyi Pay POS machine can be used by individuals and does not need to provide a business license when applying. "The situation in which it is used depends on your own collection needs, but it is not used for cashing out." Regarding how the company regulates the sales behavior of agents, the customer service staff said that they did not have the authority to answer and needed to report it.
A few days later, relevant people from Tonglian Payment called back and said that the company's management of agents strictly complies with the central bank's bank card acquiring business outsourcing management notice, checks and verifies business licenses, legal person ID cards, account opening certificates, etc., and assesses financial status, team members, risk control capabilities, etc. before allowing cooperation. Tonglian Payment will supervise and regularly investigate the online sales behavior of agents. If an agent is found to be in violation, it will definitely require the agent to stop the behavior and impose penalties. "We have also verified with Chuangshuo Technology that they do not have their own telemarketing channels. If they do, it should be someone else using their name for illegal promotion."
According to it, this device is used for small and micro merchants to collect payments. It will strictly follow the People's Bank of China's bill collection management regulations and carefully verify each merchant who joins the network, including whether it is established in accordance with the law and whether its business activities are legal and compliant. A real-name management system is implemented for merchants. If it is found that the address used by the merchant is inconsistent with the registered address, rectification will be stopped.
Regarding whether the equipment can be mailed, Tonglian Pay related people responded that Tongyi Pay is promoted to the market through agents, and online advertising is allowed, but agents need to handle it offline. If you encounter online sales or receive marketing calls, it is recommended not to accept it.
Behind the market chaos
With so many buyers, it is not ruled out that institutions will give the "green light" to sales by default?
"There are still business opportunities and interest demands." A person close to the clearing agency said that for the agency, selling machinery makes money, and the transaction scale can also increase fee income.
Huang Dazhi, a senior researcher at Suning Financial Research Institute, told the Beijing News reporter that most of the market chaos is caused by layers of subcontracting. The central bank, UnionPay and other institutions implement list-based management, and payment institutions will also review their qualifications when selecting outsourcers. However, payment institution A may subcontract its acquiring business to service institution B, and B may transfer it to service provider C again.
Outsourcers are an important sales channel for many acquiring organizations. Huang Dazhi said that some large acquiring institutions have their own local promotion teams, and most institutions use outsourcing service providers for promotion. A person from a payment institution also said that the company usually expands merchants through local promotion channels to promote compliance, and at the same time expands the size of merchants through merchant referrals, etc. However, outsourcing service providers are strictly prohibited from selling machines through online channels.
"On the one hand, it is difficult for payment institutions themselves to supervise subcontracting. On the other hand, this model increases sales volume. It does not rule out that payment institutions acquiesce in this behavior." Huang Dazhi said.
Contributing to the high transaction volume are also buyers in the market. An individual user with an MPOS machine contacted by the Beijing News reporter said that he mainly obtains credit card points by swiping his card. "I swipe a 10,000 yuan credit card and the money goes into my savings card. Only a 55 yuan handling fee is deducted, but I can get 10,000 credit card points, which can be spent as money. For example, 799 points from some banks can be exchanged for a cup of Starbucks coffee, and the price of a cup is about 40 yuan."
There are also many users who ask about cash-out issues on the Internet. For example, a user consulted on a website and said that he was a merchant and used a POS machine to help others cash out their credit cards. In the first six months, he cashed out about 600,000 yuan per month. The nature of this situation is an illegal business crime or an illegal fund payment and settlement business. There is even content in Baidu’s experience on “how to minimize the cost of cashing out POS machines”.
Ms. Wen, 37, runs a small company. The credit card limits in her hands are more than 100,000, with the highest reaching 300,000. Credit cards were once her tool for moving funds. She said that she borrowed POS machines from other companies to cash out her credit card funds, and when she was about to repay the money, she swiped out the money from another credit card to repay, and she kept doing this for a period of time. But for a one-time cash out of 300,000 yuan, the handling fee is about 1,500 yuan, which she thinks is a bit high. Now that she has a large credit loan from a bank, she doesn’t use this method much anymore.
The existence of people like Ms. Wen who use POS machines to cash out has created chaos in illegal transactions at POS machines.
Increased supervision
Supervision issues normative documents and payment institutions conduct self-examination
The other side of the chaos in the agency market is the increasing regulation in recent years.
In 2016, the central bank made it clear in the "Notice on Matters Concerning Strengthening Payment and Settlement Management to Prevent New Illegal Crimes in Telecom Networks" that it would strictly review the qualifications of special merchants and standardize the management of acceptance terminals. No unit or individual is allowed to buy or sell POS machines (including MPOS), card readers and other acceptance terminals online. "Banks and payment institutions should conduct on-site inspections of all physical merchants and check the usage locations of their acceptance terminals one by one. Any acceptance terminals that have been moved to other machines in violation of regulations and where the actual location of use cannot be confirmed will be stopped."
After March 15 this year, the central bank issued Document No. 85 to rectify the phenomenon of online sales of POS machines. On the eve of National Day, UnionPay also issued a notice, reiterating that POS machines are not allowed to be bought and sold online, and outsourcing institutions are strictly prohibited from using online channels to sell acceptance terminals.
Banks and payment institutions have also stated that they have begun to regulate outsourcing in recent years. An insider from a leading company told reporters that the company was exposed to selling POS machines on Taobao in 2016. After the media exposure, regulators came to inquire. The company established a special team to investigate. It still retains the team and has an internal list of agents. "In the industry, you can find out which agent it is through a little inquiry. Some agent platforms list many partners just to show their strength."
The person also made it clear that to apply for his company's equipment, he must submit a business license, legal person ID card, settler ID card, settlement card and other qualifications in accordance with the requirements of the People's Bank of China; POS machines and equipment are installed on site by staff, and mailing of equipment is not allowed.
Many people in the banking industry also said that if you apply for a bank POS machine, there will definitely be an interview. Either the merchant goes to the bank with a business license, ID card and other materials to apply, and at the same time applies for the bank's debit card, or bank employees go to the merchant's store to verify on-site and take photos to record.
A relevant person from another leading payment institution told the Beijing News reporter that the company continues to strengthen online merchant monitoring, partner management, and linkage with e-commerce platforms to effectively monitor the behavior of online sales terminals. If it is found that there is any behavior of impersonating terminals on online channels, it will immediately require it to remove illegal links and pursue legal liability.
Some online agents have no actual business or have closed down. A person from the "Beijing POS Machine" website said, "I used to be an agent, but I don't do it anymore."
Response and reminder
Be wary of POS machines with “unknown origins”. Those who sell illegally and cash out will be held responsible.
The payment institution denies authorizing the merchant, and the origin of the POS machine is unknown, making it difficult to distinguish the authenticity from the fake. There have been cases of online shopping POS machines being defrauded.
There are reports that due to urgent need for cash repayment, Mr. Liu, who works in Nanping Town, Zhuhai, purchased a POS machine online to cash out. Unexpectedly, he used a card to pay 80,000 yuan, but it has not been received. He suspected that the online merchant had done something wrong and called the police.
Industry insiders remind that some POS machines sold online are equipped with Trojan horse programs that may obtain merchant information, and the transaction security of merchants cannot be guaranteed. And because some POS agents do not have business qualifications and have no professionals, such organizations may withdraw from the market at any time after discovering that the market profit margins no longer meet their needs.
Wang Deyi, a lawyer at Xunzhen Law Firm, said that the illegal use of POS machines to cash out infringes on the order of financial management. Individuals' illegal use may have three consequences. First, it constitutes a civil breach of contract for the card issuing bank, and it should bear corresponding civil liability; second, it violates administrative management order, and may be subject to administrative penalties; third, if the circumstances are serious, it may be suspected of a criminal offense and be held criminally responsible.
Huang Dazhi, a senior researcher at Suning Financial Research Institute, also said that cashing out is a clear violation and penalties will be determined based on the amount. At the same time, both the outsourcer and the acquiring agency are responsible, and the acquiring agency has improper management responsibilities.
Huang Dazhi said that strictly prohibiting online sales is a disguised means to raise the threshold for purchasing POS machines. Supervision should also develop regulatory technology to identify illegal activities such as cashing out.
"Now the technology is very mature. For example, when SIM cards are connected to WiFi, operators can perform GPS positioning, and some SIM cards themselves have their own scope of use, which can be managed through these means." The person in charge of the credit card center of a state-owned bank told reporters. Wang Deyi believes that only by comprehensively using facial recognition, online confirmation, blacklist system, setting upper limit, punitive damages and other means can we fundamentally put an end to illegal use.
People from the above-mentioned payment institutions said that the mobile acceptance terminal has realized transaction-by-transaction positioning. When the transaction address is inconsistent with the actual business address of the merchant, the transaction will immediately trigger the risk control rules, and the payment company should immediately stop the merchant's continued transactions and conduct further verification. For chain merchants (with branches across the country), localized management must be implemented strictly in accordance with the requirements of the People's Bank of China. Merchants can only use local acceptance terminals. Once a merchant moves equipment across provinces, risk control rules will also be triggered and merchant transactions will be stopped.
According to an official from another payment institution, the company implements monitoring from multiple dimensions such as transaction frequency, amount, and card swiping rate. At present, the risk control system has a monitoring coverage of more than 95% for mainstream crime methods such as counterfeit cards and fraudulent transactions. If an abnormality is found in the account, it will be verified first and the merchant will be asked to provide information. If it is not reasonable and legal, measures will be taken to lock the account.
Unexpectedly, the conflict between Siba Media and Ju Jingyi has not been resolved, and there has even been a subsequent controversy.
It just so happens that the new drama "Moonscale Qiji" starring Ju Jingyi is scheduled to be released on April 1, and the publicity is not small.
But the old club Siba Media couldn't stand it anymore and directly exposed the heavyweight Dagua.
Siba Media reported on March 30 that Ju Jingyi was suspected of tax evasion in 2024, claiming that her declared income was 11 million yuan, but her actual income exceeded 50 million yuan.
This mainly involves some film and television remuneration, business endorsements, etc. It is said that the rate of concealment is as high as 88%.
If it's just ordinary black material, it won't actually have much impact on traffic stars.
But tax evasion is so egregious that several celebrities have fallen into trouble, and some have even been banned from the industry.
Fan Moumou, Deng Moumou, and Yuan Moumou are all learning from the past!
Looking at it this way, Siba Media is planning to punish Ju Jingyi to death?
However, Ju Jingyi has always been very stubborn, otherwise she would not have made such a big show of breaking up with her old club.
After public opinion arose, her studio also issued a statement stating that the artist paid taxes in accordance with the law and had cooperated with the tax investigation, and would sue Siba for defamation and online rumors.
In fact, the two parties were involved in a lawsuit over a contract dispute before this, and it is still in the trial stage. As a result, something has happened here again. I am afraid it will be difficult to win or lose for a while.
But what is certain is that reconciliation between the two parties is impossible. On the contrary, there is a high probability that the situation will be a dead end. It depends on which party can't bear it first.
Of course, the lawsuit has to be decided by the court, and netizens cannot settle the case, so most people's attention is still on Ju Jingyi's salary.
It can be seen from the reporting materials of Siba Media that traffic florets like Ju Jingyi usually make a lot of money.
The remuneration for "Moonscale Chronicles" was as high as 16 million yuan, and Yaya's annual income from endorsements was 8 million yuan, and the share of magazine shooting was also around 11 million yuan to 9 million yuan.
Occasionally attend a party and perform a few small performances, and you can pocket 300,000 to 1.5 million yuan in remuneration in minutes.
Even if the company takes a portion of the money, it will still be a large sum of money in the celebrity's pocket.
Isn't it easy to get involved in the entertainment industry, but there are still many young people trying to get in. As long as the "208" are somewhat famous, they can make a lot of money.
Siba Media really knows how to manipulate public sentiment. Originally, netizens were targeting the company. After all, workers can sympathize with Ju Jingyi's experience.
Moreover, this company has always been known as "Domestic Entertainment in Northern Myanmar", and many young girls have suffered due to the termination of their contracts.
But after Siba Media released Ju Jingyi's salary, netizens naturally felt a distance from her. You must know that ordinary people may not earn as much as Ju Jingyi from filming a drama in their lifetime.
As a result, many people feel that instead of feeling sorry for Ju Jingyi, it is better to feel sorry for themselves.
But Siba Media will definitely not be left behind. It has also forced away the biggest "cash cow" of the entire company. Perhaps the end will be the same as that of Zhao Lusi's former company Galaxy Cool Entertainment.
Therefore, this kind of mutual conflict will only hurt both sides in the end.
However, if you think about it carefully, the most troublesome party now is actually not Ju Jingyi and Siba Media, but the drama team of "Moonscale Qiji".
Seeing that the drama has been successfully scheduled, I was still hoping to reap a wave of popularity after it went online, but now the direction of the traffic has obviously gone astray.
And this drama is not easy. It has been postponed three times. It was initially scheduled to be launched in January 2025 and has been postponed until April 2026.
Sharp-eyed netizens also discovered that in 2025, the official clearly marked Fan Shiqi as a "second unit friendly starring", but now his name has been deleted directly.
However, the other studio came forward and responded, "The scenes will be retained but the announcement will be adjusted." I guess many people have already guessed the secret.
Last year, Fan Shiqi was involved in a controversy involving other artists, and his popularity plummeted.
Presumably the showrunners were not allowed to change the direction of the promotion in order to avoid risks.
And now the starring Ju Jingyi is in controversy again, and it is still related to tax issues. If this is not resolved, the entire work will be affected.
So as long as "Moonscale Qiji" can be broadcast smoothly, it is actually a victory.
Not only that, Ju Jingyi has not only this drama, but also several works such as "Come to Fight", "A Thousand Fragrances", and "World of Flowers".
If tax evasion is true, then these works will also have to face the problem of replacing people for reshoots or AI changing faces, which is another huge investment.
From this point of view, the truth of this crisis has determined the efforts of many works, creators and actors. I hope that a result can be given as soon as possible.
At the same time, we also hope that the conflict between Ju Jingyi and Siba Media can be resolved through legal channels and they will not continue to occupy public resources.
So do you believe Siba Media’s accusations against Ju Jingyi, and do you think Ju Jingyi can solve this incident?
Recently, wired headphones, which have been eliminated for almost 10 years, have unexpectedly become popular and have become the most talked about phenomenon-level product in the headphone circle.
A report from research firm Circana shows that wired headphones have rebounded strongly after five years of sales decline, with sales soaring 20% in the first three months of 2026.
Picture from Xiaohongshu netizen
"No need to charge, no need to worry about losing, no need to pair, just plug it in and listen, the sound quality is better than a thousand-yuan headset." This comment, which has been wildly forwarded on social platforms, accurately summarizes the core logic of this "reverse upgrade". There are multiple reasons behind this retro trend: First, it is the reincarnation of fashion. Australian actor Jacob Elordi, supermodel Bella Hadid, Jennie, Ning Zhuoyi and many other stars frequently wear wired headphones for appearances, making white cords a low-cost yet highly recognizable styling item.
Li Ronghao also shared on Weibo that he likes to use wired headphones without charging.
Secondly, wired headphones are an absolute victory in cost-effectiveness. Apple EarPods sell for 149 yuan, while AirPods 4 sell for 999 yuan, and the noise reduction version is as high as 1,399 yuan. The price of wired headphones is less than one-seventh of wireless headphones. More importantly, wired earphones solve two major pain points of wireless earphones: battery life anxiety - TWS earphones can last for 5-11 hours at a time, and even shorter after the battery decays, while wired earphones never need to be charged; they are easy to lose - it costs 500 yuan to lose an AirPods, while it costs 20 yuan to buy another pair of wired earphones. In addition, wired headphones also have a "social shielding" function. The white wire sends out a "do not disturb" signal from a distance. This is a visual social status that wireless headphones are difficult to provide.
Netizen: I support!
Because I lost my wireless
"Who on earth canceled the headphone jack? That's why I haven't changed my phone yet."
“But the phone doesn’t have a hole to plug in wired headphones.”
“I used to get headphones when I bought a mobile phone, but now I don’t even get them anymore.”
“And the sound quality is extremely good!”
"The key is that the original hole is gone, and you still have to charge it..."
“I just knew that fashion is a cycle.”
"You don't need to charge it and you don't have to worry about losing it. I just lost a Bluetooth headset today."
"I support it! Because I lost my wireless."
The admission rates for Tianjin No. 1 Middle School, Yaohua Middle School, Nankai Middle School, and the Foreign Language School Affiliated to Tianjin International Studies University are all above 95%; the admission rates for Yangcun No. 1 Middle School, Xinhua Middle School, and Experimental Middle School are also above 90%.
In other words, as long as they are admitted to these high schools, more than 90% of students can be admitted to one institution.
We can also see from the picture above that even for some very average high schools, the admission rate can reach 20 to 30%. This is unimaginable for our Shandong candidates.
Second, Tianjin’s settlement threshold is relatively low and its educational resources are relatively abundant.
There are two main ways for people from other provinces to settle in Tianjin: points settlement and talent introduction.
Point-based settlement requires applicants to have paid social security or personal income taxes in Tianjin for more than three consecutive years, and have proof of stable residence in Tianjin for one consecutive year or more, as well as other academic and occupational requirements.
The main talent introduction is the Tianjin Haihe Talent Plan, including academic, qualification, skill, and entrepreneurial types. Among them, applicants with academic qualifications who have full-time undergraduate degrees must be no more than 40 years old and have no social security in other places.
Compared with Beijing and Shanghai, the conditions for settling in Tianjin and above are very low.
In addition, the admission rate of key universities in Liaoning, Jilin, Qinghai and other places is also very high, and the threshold for settlement is lower. However, Tianjin has better basic education resources and industrial conditions, so Tianjin also has an advantage compared with them.
Third, housing prices in Tianjin are relatively low.
According to data from the National Housing Price Market Platform, in May 2023, the average housing price in Tianjin was 25,700 yuan/㎡.
Among them, housing prices in the upper three districts of the city are relatively high, reaching 68,800 yuan/m2 in Heping District, 36,500 yuan/m2 in Hexi District, and 32,400 yuan/m2 in Nankai District; housing prices in the lower three districts of the city are medium, with housing prices in Hedong District, Hongqiao District, and Hebei District ranging from 21,200 yuan to 23,000 yuan/m2.
On the outskirts of the city, housing prices in Beichen District, Dongli District, Jinnan District, Jinghai District and other places are only more than 10,000 yuan/㎡.
(House prices in some areas of Tianjin)
3. When you settle in Tianjin, are you ready to give up your original job?
Judging from the above information, Tianjin can be said to be the best place to move if it is purely for children’s education.
But we would like to remind everyone: If you want to work in Tianjin, it is natural to move your household registration and student registration to Tianjin, and there is nothing wrong with it. If you move your household registration to Tianjin just for the education of your children, you will face many "roadblocks".
If you don't want to work in Tianjin, but want to move your household registration to Tianjin, the main way is the Haihe Talent Plan. Its educational and age requirements are as follows (just meet one of them):
1. Doctoral degree: There is no age limit. If you have social security for more than 1 month in Tianjin, you may be able to transfer files.
2. Graduate students: 45 years old and below, can study part-time, but must have a degree certificate.
3. Undergraduate degree: 40 years old and below, must be general higher education, full-time. You can pass courses without a degree certificate, but you must have a diploma. Self-study exams for adults are not allowed.
4. College: full-time, 50 years old and below + corresponding skill certificate.
5. Technical secondary school: full-time, 50 years old and below + corresponding skill certificate.
6. Certificates and titles (more difficult to test): Lawyer qualification certificate, CFA, actuary, FRM, CPA, tax accountant, registered architect, registered survey and design engineer, asset appraiser, notary, etc., deputy senior professional titles, no academic qualifications required, 50 and below.
7. Entrepreneurial and urgently needed talents who need to meet personal income tax exceeding RMB 100,000 per year in Tianjin, or recognized talents, are generally difficult to meet, and there is no academic qualification or age requirement.
The above conditions may seem friendly, but the key is that they come with social security requirements:
Regardless of the above situation, in principle, the applicant is required to have no social security in areas outside Tianjin. Bachelor degree or above, certificates and professional titles, Tianjin social security or file transfer is required for one month or more. College degree, Tianjin social security for one month or more is required. Technical secondary school, Tianjin social security for 1 year or more is required.
To sum up in one sentence: The Haihe Talent Plan is to attract talents. If you want to settle in Tianjin through the Haihe Talent Plan, you cannot have social security from other places. You also need to pay social security in Tianjin, or transfer your files to Tianjin.
This basically means that if you want to transfer your household registration to Tianjin, you have to give up your job in other places. Civil servants and employees of public institutions are basically out of luck, because it is impossible for them to transfer their files to Tianjin. Even if you work in a private enterprise, you still face many difficulties in terms of job transfer and social security.
Only the following groups are more suitable: freelancers, flexible workers, entrepreneurs, no constraints, if you want to cut off social security, you can cut off social security, and if you want to adjust your files, you can adjust your files.
4. Live in Tianjin for at least three years, preferably more than 7 years
After the household registration issue is resolved, there is the issue of going to school. And if you want your children to go to a good school in Tianjin, you need to pay a lot.
The core content of Tianjin's education reform in 2021 is: If you want to participate in Tianjin in Tianjin and enjoy Tianjin's high dividends, you must have "three years of Tianjin household registration + three years of Tianjin high school student status + three years of Tianjin high school enrollment."
This reform has plugged a major loophole: some candidates who had spent three years in high school in other provinces moved to Tianjin before the college entrance examination, turning Tianjin's talent introduction into a tool for college entrance examination immigration. After this reform, if a child wants to take the college entrance examination in Tianjin, he must live in Tianjin for three years.
Therefore, many people have proposed another plan: register for the Tianjin High School Entrance Examination in the third grade of junior high school, live on campus after passing the high school exam, and return to your hometown normally on weekends, without having to live in Tianjin.
This solution sounds great. However, many people now suggest that it is best not to let your children take the Tianjin High School Entrance Examination directly, because it is too late and will affect the children's high school entrance examination results. The reasons are as follows:
First, we need to adapt to the Tianjin exam questions.
Tianjin's high school entrance examination is an independent proposition, and its key knowledge system and key knowledge content are not exactly the same as those in other provinces, and even different from the teaching materials of some provinces. Taking the Tianjin High School Entrance Examination rashly will affect your children’s performance.
Second, sports performance will be affected.
There are 40 physical education points in the Tianjin High School Entrance Examination, 18 of which are ordinary points. Local candidates can basically get all 18 points. Candidates who return to Tianjin from other provinces will not have a normal score of 18 points, and all 40 points will be exam content.
As for the content of the physical examination, it is the same for local candidates and those returning to Tianjin. However, if local candidates get a guaranteed 18 points, the test content score will account for 22/40, while the test content score of the candidates returning to Tianjin will account for 40/40, so they must rely entirely on the exam.
Third, you need to make up for the college entrance examination.
At the junior high school level, it is compulsory to take the National College Entrance Examination. The Tianjin National College Entrance Examination tests geography and biology in the second grade of junior high school, and the ideological, moral, and history exams in the third grade of junior high school. If you go directly back to Tianjin to take the high school entrance examination in the third year of junior high school, you will need to take supplementary tests of geography and biology during the general examination. The addition of these two additional subjects will inevitably increase the pressure on students in the final review stage.
Fourth, there is no index student qualification
The enrollment plan of Tianjin’s high-quality high schools will allocate 50% of the quota as the enrollment plan for target students. If a student is qualified as a target student and chooses this school as his first choice when applying, the school will lower the student's score by 20 points.
In order to obtain and use the indicator student qualification in Tianjin, you must have a complete three-year junior high school registration, and a comprehensive evaluation will be carried out based on the results of the college entrance examination and the major examination results starting from the third year of junior high school. Going back to Tianjin directly to take the high school entrance examination in the third year of junior high school obviously does not qualify for this.
Fifth, Tianjin's high school entrance examination is also a test, one point is missing, and hundreds of people are missing.
The above four items will have an impact on students who directly return to Tianjin to take the high school entrance examination. Some people may say that my children are very good, so the impact is limited and there is no need to worry.
But in fact, the error tolerance rate for Tianjin’s high school entrance examination scores is very low. A difference of one point in the high school entrance examination score can lead to a gap of hundreds of people. Competition is particularly fierce in high- and mid-to-high segments.
Taking Tianjin's best high school "City Five" as an example, its enrollment status in the first two years is as follows:
The full score of Tianjin's 2021 and 2020 high school entrance examinations is 590 points, the physical education score is 30 points, and the test subjects are Chinese, mathematics, foreign languages, physics, and chemistry. Assuming you get full marks in physical education, if you want to be admitted to one of the five listed universities, you will only be deducted an average of about 6 points per subject. In the high school entrance examination mathematics, one multiple-choice question is worth 3 points, one fill-in-the-blank question is also worth 3 points, and two wrong questions are enough for 6 points.
Based on the above five points, many people have pointed out that it is risky to go directly back to Tianjin to take the high school entrance examination in the third year of junior high school.
So, how about transferring to Tianjin early in junior high school?
When you transfer to Tianjin in junior high school, you will basically be assigned to the bottom school in each district. ,
So, what about transferring to a private school?
Tianjin's private schools are very tight on places and basically do not allow transfer applications.
Going one step further, what about transferring to Tianjin in primary school?
Students in Tianjin cannot transfer to another school in the sixth grade, and they must transfer in the fifth to sixth grade at the latest.
In other words, if you really want your children to enjoy the best quality education in Tianjin, they need to transfer to Tianjin after the fifth grade of primary school at the latest. Students need to live in Tianjin for 7 years: one year of elementary school, three years of junior high school, and three years of high school.
5. The six districts in the city are the core, Heping, Hexi, and Nankai are the upper three districts, and Heping is the king.
Tianjin has 16 districts under its jurisdiction, but the six districts in the city have the best educational resources. Moreover, the high schools in the six districts of the city are only open to students from the six districts of the city. Applicants from the other 10 districts cannot apply for schools in the six districts of the city.
Therefore, if you want to study in the best junior high school or high school in Tianjin, you need to buy a house in the six districts of the city.
One exception is Haihe Education Park in Jinnan District, where junior high schools can apply for schools in the city's six districts. Therefore, the housing price of Haihe Education Park is the most expensive in Jinnan, with the current price basically above 20,000 yuan/㎡.
The six districts in Tianjin are also divided into upper three districts and lower three districts. The former has better educational resources, including Heping, Hexi, and Nankai, while the latter has slightly weaker educational resources, including Hedong District, Hebei District, and Hongqiao District.
Among the upper three districts, the Peace District is the strongest. However, it is also the most difficult to settle down and go to school in Heping District.
In Heping District, whether you are enrolling in a primary school or transferring to a primary school, you must hold the property for three years or more from the time of purchase, so that you can study in a nearby primary school in Heping District. Moreover, if you want to participate in the first lottery for primary school promotion in Heping District, you are not allowed to sell your house midway through the primary school stage. Otherwise, you can only accept the overall arrangement to the "bottom" school.
This means that if you want to study in primary and secondary schools in Heping District, you must hold the purchased real estate for a long time.
Of course, everything cannot be too perfect. Tianjin is so big, and children in other jurisdictions are also living well, so there is no need to blindly pursue peaceful areas. Each jurisdiction in Tianjin has different admissions policies, transfer policies, and housing-school linking policies. Everyone needs to carefully screen when settling in, enrolling in school, or buying a house.
6. Tianjin has a large housing stock and a worrying population trend
If you want your children to go to school in Tianjin, usually the parents of the children first settle in a collective household in Tianjin, then buy a house in Tianjin, move the parents' collective household to the house, and move the children's household registration here as well, and only then can they enjoy Tianjin's education dividends.
But we would like to remind everyone that the real estate market in Tianjin is very different from that in Jinan.
As a municipality directly under the Central Government, Tianjin has a high degree of industrialization and urbanization rate, and has a large real estate stock in the city.
In Tianjin's property market, second-hand housing transactions occupy an important position, and the number of transactions even exceeds that of the new housing market.
We have collected housing transaction data in Tianjin in recent years. The annual number of transactions in the new housing market in 2019-2021 is between 107,000 and 113,900. In 2022, affected by the lockdown, it will drop to about 68,000.
In the second-hand housing market, the number of transactions between 2019 and 2021 is between 119,000 and 135,000.
Walking on the streets of Tianjin, you will see a large number of old and small communities, with multi-story buildings from the 1980s and 1990s. The pressure for urban innovation is very high.
Tianjin’s population situation is not optimistic either.
Tianjin has a high degree of aging. As of 2020, among the six districts in the city, Hebei District and Hongqiao District, the proportion of elderly people over 65 years old accounts for more than 20%, and Nankai District, Hexi District, and Hedong District account for more than 19%. Heping District may be due to its educational resources that attract a large number of migrant populations, and the degree of aging is slightly lower, with the proportion of elderly people over 65 years old accounting for 15.7%.
Moreover, Tianjin's birth population has shown a sharp downward trend in recent years. Its birth population reached about 119,000 in 2017, and has dropped to 73,000 in 2021. Its population birth rate continues to decline, falling to 5.3% by 2021 (national data is 7.52%, Jinan data is 8.21%), and the natural population growth rate is negative for the first time in 40 or 50 years.
In recent years, Tianjin’s Haihe Talents Program has attracted a large number of people, including many who migrated for their children’s education. However, this is still not enough compared with Tianjin's overall population situation. Tianjin's permanent population has continued to decline in recent years, falling from 14.43 million in 2016 to 13.63 million in 2022.
7. Tianjin’s current housing price situation, polarization, 28th market trends
Based on the above macro situation, the overall housing price trend in Tianjin is not very optimistic. At present, Tianjin's housing prices are showing a 28-year trend: housing prices in most areas are sluggish, while housing prices in some areas are rising strongly.
According to data from the Zhongzhi Research Institute, in May 2023, the price of second-hand houses in Tianjin was around 24,587 yuan/㎡, and house prices were generally trending downward.
Among them, housing prices in Heping, Nankai and Hexi were relatively strong. Housing prices in Heping rose by 6.53% year-on-year, and housing prices in Hexi rose by 2.73% year-on-year. Although housing prices in Nankai fell by 1.04% year-on-year, they rose by 0.1% month-on-month, which is considered strong.
The trend of housing prices in most other areas was average, with housing prices in many areas falling by more than 5% compared with the same period last year.
As mentioned earlier, among the districts in Tianjin, Heping, Hexi and Nankai have the best educational resources. In the real estate market, house prices in these three areas are also the most expensive and the strongest. It is no exaggeration to say that Tianjin’s housing prices are supported by school districts.
8. Preferred school district, buy a new house for permanent stay, or buy a small house for short stay
The school district is the greatest value in the Tianjin property market. Therefore, the first choice for buying a house in Tianjin is a house with a high-quality school district.
Heping District, Hexi District and Nankai District can be considered first. Then there is Haihe Education Park. Although it is located in Jinnan District, it can participate in the high school entrance examination of the six districts in the city and has Nankai's educational facilities. It is an important destination for many non-local parents migrating to Tianjin.
In terms of housing selection, if you plan to live in Tianjin for a long time, it is recommended to give priority to new or sub-new houses.
Because the stock of second-hand houses in Tianjin is too large, with more than 170,000 units currently listed. Moreover, many second-hand houses in Tianjin are too old and have average living quality. In the long run, the number of second-hand housing listings in Tianjin will continue to increase, and old and dilapidated houses will become increasingly unpopular and unsuitable for long-term holding.
There is a huge gap in the price of new houses in Tianjin. The better the educational resources, the more expensive the house prices are.
Among them, there are almost no new houses in Heping District, and their prices are easily 60,000 to 70,000 yuan/m2; there are some new houses for sale in Hexi District and Nankai District, and the prices are basically above 40,000 to 50,000 yuan/m2. New houses in Haihe Education Park are selling quickly, and there are currently some properties for sale with prices above 20,000 yuan/㎡. However, Haihe Education Park is located in a peripheral cluster, and the urban facilities are still far behind those in the urban area.
If you plan to live in Tianjin for a short period of time, it is recommended to buy a small school district house or even a "schoolbag room".
How small is a room in a small school district in Tianjin? It can be only one to twenty square meters, or even less than 10 square meters. This type of housing is usually public housing and requires payment of rent, but it can be settled without delaying children's schooling. It is called a schoolbag room.
However, I would like to remind everyone that Heping District has requirements for the area of apartments. If the apartment is less than 10 square meters, the police need to come to check the living conditions.
(Split information on the Tianjin second-hand housing website)
9. Public property, enterprise property, and private property. Enterprise property cannot be settled in collective households.
At this point, I need to spread a little common sense to everyone: Tianjin’s residential properties are of various types, mainly including private properties, public properties, and corporate properties.
Privately owned houses are our common commercial houses. The property rights belong to individuals. They can be purchased by collective households or local households. They can get loans, settle down, and go to school.
For public housing, the property rights of the house are jointly owned. Houses where individuals only have the right to live and pay rent to the housing management station on time can be bought by collective households/local households.
Public housing can be in complete sets, and the property rights can be purchased for such houses. Public housing may not be a complete set, but one of the houses may be torn down. This is called splitting.
In the Tianjin real estate market, split rooms are a "product" with a very high turnover rate. They cannot be purchased as property rights, and the area is usually very small, even less than 10 square meters. The total price is also very low, but they can be used to live in and go to school, so they are also called "schoolbag rooms."
Enterprise property means that the property rights of the house are owned by the enterprise or development company, and individuals only have the right to use the house and pay rent to the owner of the house on schedule. The vast majority of corporate properties cannot be purchased with property rights. Local household registrations can be relocated, but collective households cannot settle down. Only a very small number of corporate properties can be purchased with property rights and can be settled as collective households. Everyone needs to check carefully when buying a house.
Of course, if you buy a house in an old school district or a small one, the living quality will be very poor. If you are buying a flat, most of them only have one house, which is fine for children to study and use, but the family will definitely not be able to live in it.
Therefore, after purchasing such a house, living is still a problem. A better way is to rent a house near the school for transitional use.
All of the above are efforts to pursue the best quality education. However, Tianjin is as big as Tianjin, and only a small part of the families can enjoy education in Heping, Nankai and Hexi.
If you choose to lie down and not roll up, you can also consider houses in other areas of Tianjin. In fact, as long as children can study in Tianjin, even in other areas of Tianjin, the pressure for children to enter school will be easier than in most places in Shandong.
Cover news reporter Zou Ajiang Yang Lan
Once upon a time, wired headphones were replaced by Bluetooth headphones. But now, this product is returning to young people’s vision as a new “fashion accessory”.
Recently, "wired headphone outfits" have become so popular on social media that sales have doubled in many digital stores. Once eliminated due to "trouble", why can it "make a comeback" and become a fashionable item that relieves battery anxiety and highlights individual aesthetics?
On April 1, Hu Penghui, associate professor and master's tutor at the School of Social Sciences at Huazhong University of Science and Technology, told Cover News reporters that the surge in popularity of wired headphones reflects the individual expression of the youth group. They began to reject authority and standardization and seek individuality and differentiation.
Popular wired headphone outfits on the Internet
High-looking wired headphones become fashion accessories
Open social platforms such as Xiaohongshu and search for "wired headphone outfits", and there are more than 100,000 related notes. In the photo, the protagonist wears wired headphones, mixes them with metal necklaces and trendy clothes, and turns out to be the most conspicuous "cyber accessory" in front of the camera.
Xiao Chen, a 22-year-old senior student, is one of the participants in this trend. She keeps three pairs of wired headphones in her bag all year round - a white original model with a simple style, a transparent purple one to echo the dopamine outfit, and a retro braided cord specially matched with the Y2K (millennium style) look. "Wired headphone cables are like accessories, they help me complete the entire look."
Xiao Chen’s headphone combination
According to Mr. Zhang, a commuter, wired headphones are chosen because of practicality. "Compared with wireless earphones, it is cheaper and you won't have battery anxiety when you go out. You can plug it in and use it. This certainty makes people feel more at ease."
What’s even more interesting is that this thread can be “redesigned”. Some people perform hand-plating, stickers, and wire wrapping modifications on wired earphones, treating them as DIY jewelry; some people directly wrap the earphones around their wrists as bracelets, tie them in braids as hair ropes, and even wear them on top of each other like beads. Many netizens said that wired headphones have changed from a music listening tool to a malleable fashion material. Like sunglasses, mini bags and other items, they have come back with an "attitude".
DIY braided wired headphones
The wired headphones costing more than 30 yuan were sold out within three days of being put on the shelves.
The trend is still translating into real money sales.
Data from multiple e-commerce platforms show that searches for “good-looking wired headphones” have doubled in the past month, and niche brands focusing on retro designs have begun to appear frequently in live broadcast rooms. "Reverse consumption" driven by young people has allowed wired headphones, which were once marginalized, to return to the center of the trend stage.
On online shopping platforms, the price of wired headphones ranges from tens to hundreds of yuan. It specializes in high-looking designs such as pure white, transparent shells, and macaron colors, attracting young people who are looking for fashionable clothes. Some popular models are often out of stock.
Lin Sen (pseudonym), the owner of a digital collection store in Chengdu, told reporters that the sales of wired headphones in the store have tripled in the past three months, and 70% of the buyers are women between 18 and 25 years old. "In the past, when I entered the store, all I asked was 'Is the sound quality good?' But now the first questions asked are 'Are there any wired ones?' and 'What color is the best?'" he said, pointing to the newly arrived wired headphones on the shelf. "This batch of goods was almost sold out within a week of arrival."
“Headphones costing more than 30 yuan are actually out of stock!” Consumer Lulu (pseudonym) told reporters that she took a fancy to a polka-dot pattern wired headset, which was sold out within three days of being put on the shelves. "The appearance is too good, and it is basically designed to match Y2K (millennium style), and the sound quality has become a secondary item." In addition, the reporter noticed that this craze has even given birth to the DIY economy. On Xiaohongshu, the "Knitting Wired Headphones" tutorial has been viewed over one million times.
Hot-selling wired headphones for over 30 yuan
Expert opinion:
Wired headphones become a possibility for young people to express their personality
Why have wired headphones, which have “disappeared” from the public eye for many years, returned to the public eye? In this regard, Hu Penghui, associate professor and master's tutor at the School of Social Sciences at Huazhong University of Science and Technology, conducted an analysis.
He told reporters that this phenomenon can be understood from the perspectives of practicality, niche, and evolution of consumption logic.
"Practiceability is the basis. The low price of wired headphones, no need to charge, sound quality, and no sense of delay are all features and advantages that wireless headphones cannot match. This makes the majority of users not feel distressed when losing their headphones, have no anxiety about charging when using them, and can still enjoy high-quality music."
Hu Penghui said: "There is also a very important historical background here. Wired headphones have disappeared for a few years and have now become a niche 'rare product'. Especially for the post-00s and post-10s generations, this is even more rare. So, in today's era when young people begin to reject authority and standardization and seek individuality and differentiation, wired headphones have the possibility to become an expression of individuality."
"Although today's society is still what Baudrillard said is a consumer society, the entire logic of consumption has changed." He believes that the youth group is no longer "led by the nose" by mainstream capitalism, but places more emphasis on individual initiative and resistance - to resist "consumerism" and build a "minimalist lifestyle."
Therefore, the craze for wired headphones reflects the young people’s preference for cost-effective and practical items. To a certain extent, it shows that the consumption logic of young people has begun to show a pragmatic turn. At the same time, young people who pursue personalization will increasingly prefer niche products.
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