"Congratulations on lending 500,000 yuan, and customers can’t keep up." Xiao Bo (a pseudonym), who claimed to be an intelligent outbound service provider for telemarketing, updated his circle of friends with a screenshot of a customer’s successful lending. In Xiao Bo’s circle of friends, there are many similar "success stories". Xiao Bo claims that his telemarketing robot can make more than 1,000 calls in a single day, and the connection rate remains at 30% or even higher, and can avoid supervision and prevent titles.

Are you still bothered by harassing calls about selling loans and POS machines?

From late October to November, 2021, The Paper reporter found that the chaos in the telemarketing industry still exists. The technical model of "outbound call system+telemarketing robot" claims to be able to accurately dial the special line and mark the customer information, and evade the supervision of communication operators through technology; Behind it are hidden behaviors such as illegal trading of personal information and illegal sales of POS machines.

The so-called "anti-sealing" call-out system for electric sales

Telemarketing is a sales method relying on telephone, which contacts customers through special telephone marketing numbers to complete product promotion, quotation, transaction, etc., but this method is often easy to cause harassment to users. In the media reports, there are many cases in which telephone users are often disturbed by receiving telemarketing calls. In recent years, the Ministry of Industry and Information Technology and the three major operators have taken measures such as "high-frequency call blocking". However, with the application of intelligent voice and other technologies, the intelligent outbound calling software system, which claims to be able to make a large number of calls a day and "prevent blocking" (prevent blocking), still makes users hard to prevent.

A recent survey in The Paper found that some telemarketing software used "anti-sealing" as a gimmick to attract customers, and all kinds of "anti-sealing robots" gradually became popular in the market.

In Baidu Post Bar and Tencent QQ, the keyword "electricity sales" is searched, which shows a lot of information about "electricity sales software". The reporter randomly joined a QQ group named "Outbound Call System for Telemarketing", with more than 1,000 members and an account named "Chamber of Commerce for Telemarketing Systems" posting various promotional information related to Telemarketing from time to time in the group. "electricity sales card", "electricity sales App" and "electricity sales anti-sealing system" ……

The sales information in the group claims that the services provided can cover the whole industry such as finance, collection, loan, insurance, health care, drinks, auto insurance and games.

The reporter randomly added the WeChat of Xiao Bo, a telemarketing intelligent outbound service provider, from the QQ group. He asked the reporter what business he wanted to do, saying, "Let’s see if we can do it. Now the telecom fraud investigation is strict." After confirming that it was a "campus loan" business, he enthusiastically introduced his products and sent a price list, including a set of real-life speech made by 300 yuan, and a robot package divided into basic version, premium version and agent version according to different price points and specifications. During the conversation, Xiao Bo said that most of his clients are selling financial stocks, loan insurance and POS machine sales, all of which can be "sealed".

In his description, the "anti-sealing robot" does not need any calling cards and auxiliary equipment, and the outbound call system purchased together will use the group call line to dial the number. Regarding the reporter’s question that "making too many calls will not be seized", Xiao Bo replied that a certain line will inevitably have complaints every month, but as long as it reaches the upper limit of the complaint rate, it will stop the line and replace it with another one, so as to prevent the system purchased by customers from being blocked. He also mentioned a new business to be launched soon-an anti-sealing App for electricity sales. In the promotional picture of the App, the words "the three major operators’ Puka seconds turn white list and the high frequency does not seal the number" are placed in the most conspicuous position.

In order to further dispel the reporter’s doubts, Xiao Bo added, "We are first-class landing line operators and all cooperate with operators."

He Zheng (a pseudonym), another service provider who claimed to be engaged in the research and development of the telemarketing system for 6 years, explained to reporters that the telemarketing robot business on the market now basically adopts the "line+system+service" model. Buyers only need to use the account they provide, and they can enjoy a full set of services, "including technical support, carrying lines and after-sales."

In the 1 minute and 22 second recording of "Loan Talk" he sent, a customer on the other end of the phone in love women, who claimed to be a "customer service representative of a bank", indicated that he could handle a loan of 3-5 million yuan and "pay it back as you borrow it". In this conversation, the customer service representative repeatedly said that he was a staff member of "a bank credit center" and asked about the occupation of the telemarketing customer, the loan and insurance business he handled, and "whether there is a house or a car under his name".

He Zheng said that the so-called "bank customer service representative" bought their telemarketing system, recorded it in advance, and combined it into a complete sales talk according to the matching of the system. The customer thought it was a real person and was constantly "promoted", and might place a loan order. But in fact, they don’t know whether this "bank customer service representative" is a bank staff member or a telecom fraudster.

The "material dealer" in the dark of the electricity sales industry

In the telemarketing industry, an important part is to obtain customer information resources. The illegal trading of personal information also breeds in the dark.

After the reporter joined a QQ group, a "supplier" who claimed to specialize in health care lines (the person who provided information such as the user’s phone number) sent a message in the QQ group saying that he obtained the information of consumers who bought a health care book in TV shopping programs and then sold it to the telemarketing team or system service provider who promoted health care products. In the screenshots he sent, these consumers are distributed in different provinces such as Shandong, Henan and Zhejiang.

Compared with system service providers, "material suppliers" are more cautious. They usually don’t directly give contact information such as WeChat or telephone, and they will communicate further after confirming that the other party is an "intended customer".

In a chat with a "supplier" named AZY, the reporter learned that most customer resources are divided into "AI materials" and "hand-stripping materials". "AI material" is provided for electric sales robots, while "hand stripping material" is provided for employees who make phone calls manually. According to the feedback rate of dialing, the prices of the two "materials" are also different. Generally speaking, the feedback rate of "hand stripping" is higher than that of "AI material" and therefore the price is higher.

According to the price standard sent by AZY, 600 yuan RMB can buy 10,000 pieces of AI materials or 1,000 pieces of user information. These materials are usually replaced by different pinyin abbreviations, such as the special line for investors, which they call "GM powder", and the online loan, which is called "Wd".

There are many "anti-pit and anti-second-hand material merchants" posts in Baidu Post Bar. Some familiar "material merchants" will add WeChat to each other and set up their own WeChat groups, in order to expand or stabilize their sources of "materials".

In the investigation, the reporter found that in order to be more concealed, the transactions between suppliers and buyers often shift from WeChat to other more private online trading platforms. The line operator "AXY" chose an overseas chat software called "Telegram" to complete the transaction with the customer. After failing to reach a transaction with the reporter, "AXY" immediately closed his QQ space.

How to deal with the chaos of electricity sales

In recent years, the phenomenon of electricity sales has been repeatedly concerned and rectified.

In 2019, the central bank issued document [2019] No.85 "Notice of the People’s Bank of China on Further Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks", pointing to the chaos of telephone sales of POS machines. At the same time, a number of payment institutions issued a notice on strictly prohibiting online sales and electronic sales of POS machines. However, the circle of friends of service provider He Zheng is still full of sales records of a large number of "POS machine" sales customers. When the reporter asked about the POS machine sales business, he did not show him any business license in the financial industry.

According to media reports, the sales scam of POS machines has already become a high-incidence area for complaints. Telephone sales mostly attract customers to use their products with "low rate and free delivery", but after the user places an order, there will be various charges including activation fee, deposit, service fee and so on. The reporter’s search on the Internet also found that many deceived users reported that they could not get the account after receiving the POS machine, and even were blacked out directly by the salesman.

In May this year, the Consumer Protection Bureau of China Banking and Insurance Regulatory Commission issued Circular No.8 of 2021, "Circular on Cases of Ping An Bank’s Telemarketing of Physical Products Infringed on Consumers’ Legal Rights and Interests" (hereinafter referred to as "Circular"), which informed the case that Ping An Bank cooperated with a third party to sell physical products by telephone and infringed on consumers’ legal rights and interests.

According to the "Circular", in the spot check of 60 physical products sold by Ping An Bank Credit Card Center, 53 businesses were illegal, accounting for 88.33%.

Fu Liang, a telecom analyst, told The Paper that at present, the management of the domestic electricity sales industry has not yet formed a complete norm. "Many links have not been (completely) opened." If the management standards between relevant departments cannot be unified, there will be barriers to the management and rectification of the chaos of electricity sales. Even if users find their personal information leaked or traded, it is often difficult to find a "channel" for complaints and handling.

Fu Liang also pointed out that operators are the primary link to ensure that users’ information is not leaked. They often have their own strict operating norms, but they cannot completely avoid the possibility of leaks in huge business branches. Moreover, in this highly developed network era, many personal information is in a "semi-public" state.

He believes that in the use of various scenes in daily life, such as telephone numbers and names, information is constantly used and exchanged, and it is difficult to completely quantify whether it involves "privacy disclosure". "If there is an improper transaction of user information, no matter where it happens, it is an illegal act."

　　Knowing the news of Huang Xing’s death, Yang Chengrong, a poor household who was nearly 80 years old, burst into tears: "He is a relative of our poor household!"

　　Huang Xing, deputy director of Shiyan Poverty Alleviation Office, Hubei Province. On February 28th this year, 46-year-old Huang Xing suffered a sudden myocardial infarction after working for several days in a row. He died in the line of duty and fell on the road to poverty alleviation. Recently, the Hubei Provincial Federation of Trade Unions posthumously awarded Huang Xing the Hubei May 1 Labor Medal and called on the majority of trade union cadres to learn from it.

　　I broke down from overwork and had a heart attack. I went to the hospital with a poverty alleviation manual.

　　Shiyan Poverty Alleviation Office, Office 4128. The large-scale schematic diagram of the Ten Commandments’ accurate poverty alleviation is still hung in a prominent position on the wall, but it can’t wait to draw its owner.

　　"He misses the poverty alleviation work every day and always refuses to let himself take a short rest. This time he can finally rest." Xu Hongbo, the chief of general department in the same office as Huang Xing, wiped away tears and said.

　　In the last 59 days of his life, except for the four-day holiday of the Spring Festival, Huang Xing has been running in the front line of poverty alleviation, including 23 days in northern Shaanxi to participate in the inter-provincial cross-examination of national poverty alleviation and development.

　　"In northern Shaanxi, there is ice and snow everywhere, and it is about MINUS 20 degrees Celsius outside. Huang Xing enters the village during the day, and he has to work overtime after the group meeting at night, often after 2 am." Zhang Guangming, deputy director of the Poverty Alleviation Office in Maojian District, Shiyan City, Hubei Province, who participated in the assessment with Huang Xing, said that as the deputy head of the assessment team, Huang Xing was not only responsible for routine work, but also responsible for overall planning and summary, which was more arduous than the work of the team members.

　　Returning to Shiyan from Shaanxi, Huang Xing neglected to rest and continued to work overtime.

　　"On February 26, two days before his illness, he was still supervising the poverty alleviation assessment in danjiangkou city." Xu Hongbo recalled that on February 27th, Huang Xing came to the office early and worked overtime until about 11 o’clock that evening. Suddenly, he said that his heart was uncomfortable, and Xu Hongbo and his colleagues rushed him to the hospital.

　　When he went to the hospital, he still had a poverty alleviation manual in his pocket. Xu Hongbo said that in the last few hours of his life, Huang Xing was still asking the doctor: "Can you give me some medicine? I want to go back to work early."

　　Due to his serious illness, Huang Xing was still unable to recover his vital signs after being rescued in the intensive care unit for more than 10 hours. He died at noon on February 28th at the age of 46. His family left only his 80-year-old frail mother and his daughter who was in the first year of high school.

　　Take things in the village as your own business.

　　Daping Village, Maota Township, Maojian District, Shiyan City is the designated contact village of Shiyan Poverty Alleviation Office. As the backbone of the Poverty Alleviation Office, Huang Xing is a frequent visitor in the village.

　　In the diary, Huang Xing once wrote: "Always remember that I am a party member who serves the people and treats the poor people with sincerity. No matter how busy you are, you can’t forget the poor households! "

　　But after all, he didn’t wait until Daping Village got rid of poverty.

　　As one of the 456 poverty-stricken villages in Shiyan City, after three years of poverty alleviation, only 54 households in Daping Village are still out of poverty. According to the plan, the whole village will be listed at the end of this year.

　　"Without Director Huang, how can we get rid of poverty in our village so smoothly? Our whole village remembers his kindness. " Liu Qinglong, secretary of the Party branch of Daping Village, said that Huang Xing took things in the village as his own business. In late January this year, heavy snow fell in Shiyan, and the greenhouse vegetables in the village were seriously affected. On the day he returned from a business trip in Shaanxi, Huang Xing rushed to the village to discuss disaster relief measures.

　　"I heard that Director Huang died, and I didn’t sleep a wink all night. Such a good person, how can God let him go! " Standing in front of his new house, Liu Tiane, a poor household, was tearful.

　　In 2015, Liu Tianqi’s husband died of illness. She had to raise children and pay her husband more than 100,000 yuan in medical debts, which made the originally poor family worse. Huang Xing took the initiative to find the door and formed a helping pair with her to help her find the right thing to do and improve her housing conditions according to relevant policies.

　　"Making friends with poor families, helping poor households and uprooting poor roots" is an important measure for Shiyan City to promote precision poverty alleviation and precision poverty alleviation. Yang Chengrong, Yu Shiyou, Wang Demei, etc. are all poor households that Huang Xing "married" in the village. Hearing the bad news, they all said it was hard to accept.

　　There are more "relatives" in poor households, and Huang Xing has less time to spend with his family and children, but his family understands this very well.

　　After his death, his 15-year-old daughter wrote: "Dad is a conscientious and meticulous person who treats his work and treats his colleagues kindly. Meticulous to me and grandma. He is my hero … …” His old mother is a retired teacher. When talking about her son, the old man said with tears: "He gave his life to the party and the people. He is glorious!"

　　He is not only working hard, but also an expert in theory.

　　According to Peng Wenjun, director of Shiyan Poverty Alleviation Office, Huang Xing is an "old ox" on the road to poverty alleviation.

　　"He has to deal with daily affairs during the day, and he has to stay up late to write various documents when he goes home at night. There is always endless work." Peng Wenjun said.

　　"He had the opportunity to transfer to other positions in the province or the city, but he declined them one by one. He said that it is a critical moment to get rid of poverty and he must not be a deserter!" Peng Wenjun said.

　　What makes colleagues admire even more is that Huang Xing is not only working hard, but also an expert in theory.

　　Having worked for 25 years, Huang Xing has been in the poverty relief office for 22 years, and has been rated as an excellent civil servant for three consecutive years, and has been transferred to the national and provincial poverty relief offices for special work many times. He wrote or participated in the drafting of the Plan for Regional Development and Poverty Alleviation in Qinba Mountain Area (2011— In 2020), the Implementation Plan for Regional Development and Poverty Alleviation in Qinba Mountain Area of Hubei Province and the Decision of Hubei Province on Further Strengthening Poverty Alleviation and Development are also well-known in the poverty alleviation system.

　　Peng Wenjun introduced that Huang Xing has been responsible for the assessment of precision poverty alleviation for a long time. Since 2014, Shiyan has been rated as excellent for four consecutive years in the assessment of the responsibility system for poverty alleviation work of local party and government in Hubei Province.

　　"How to fight the tough battle against poverty in the city, how to supervise the implementation of policies, how to consolidate and improve the effect of poverty alleviation, etc., we often discuss and plan together." Peng Wenjun said that in the poverty alleviation office, Huang Xing is his "right hand man" and an example in the eyes of his colleagues.

　　After Huang Xing’s death, Shiyan Municipal Committee posthumously awarded him the title of "Excellent Communist party member of the whole city" and called on party member cadres in the whole city to learn from Huang Xing.

　　Zhang Meirong, a colleague of Huang Xing’s before his death, expressed everyone’s voice: "Our generation should carry on the legacy and swear to eradicate poverty!"

Many friends left messages asking:

Household registration personnel in other provinces and cities

Can I pay my own social security in Shanghai?

Xiaoyun will answer for you today.

I hope this article can be for everyone.

Provide clear guidance and help.

Let everyone work and live in Shanghai with peace of mind.

According to the provisions of the Notice on Issues Related to Flexible Employees’ Participation in Basic Old-age Pension and Basic Medical Insurance for Employees in this Municipality (Shanghai People’s Social Regulation [2023] No.5), flexible employees refer to self-employed employees who have reached the age of 16 but are under the age of 60 for men and under the age of 55 for women, individual industrial and commercial households without employees, part-time employees who have not participated in basic old-age pension and medical insurance in the employing unit, and other flexible employees.

Including those registered in this city, registered in other provinces and cities, residents of Hong Kong, Macao and Taiwan, foreigners who have obtained permanent residence in China, and employees who engage in agricultural labor in farmers’ professional cooperatives (cooperatives) and family farms in this city in the form of collective insurance, can be insured in this city from May 1, 2023. In other words, household registration personnel from other provinces and cities can participate in the basic old-age insurance and basic medical insurance for employees in this city by themselves as flexible employees.

operational approach

PART 1

One-click registration and insurance

1. Open the "With the Bid Citizen Cloud" APP, and search for "One thing about flexible employment" on the bid homepage or click the "Work" menu bar at the bottom of the homepage. Find the "one thing service" column, and you can find "one thing about flexible employment". (At present, online is only available for flexible employees with household registration in this city and household registration in other provinces and cities.)

2. Choose flexible employment registration.

3. After reading the instructions, click "Deal with it immediately".

4. After checking the information of Name, Certificate Number and Employment Registration Date, according to my actual situation, select the corresponding administrative district and county, and select Yes in the option of Flexible Employment Insurance, the system will automatically generate the payment start year and month. Click "Next".

5. The page prompts the following information, which means that it has been successfully processed.

PART 2

One-click payment of social security fees

After the flexible employment registration and insurance procedures are successfully handled, from the next month, individuals should pay social insurance premiums to the social insurance fee collection agency (tax department) in full monthly.

1. Scan the QR code below to get to the service directly. (Or open the "With the Bid Citizen Cloud" APP and click on the "Social Security Payment" service area in the featured theme of the bid homepage. (At present, online is only available for flexible employees with household registration in this city and household registration in other provinces and cities))

2. Choose social insurance premiums for flexible employees.

3. The service can choose to pay social security fees online for myself or others. If you pay for me, click "Next" directly; If you pay for others, you need to change the "handling object" to "others" and fill in the name and ID number of the payer.

4. After confirming the payer’s insurance information, click "Next" to verify the payment information, and click "Submit" to complete the payment.

?

PART 3

Quick query of payment details

After the payment is successful, the payment certificate can be issued within 1 working day.

Xiaoyun has arranged the specific operation process for everyone ~

1. Open the "Citizen Cloud with Bidding" APP, click on the "Social Security Payment" service area in the featured theme of the bidding homepage, and select "Comprehensive Service"-"Flexible Employment and Issuance of Social Insurance Payment Certificate for Urban and Rural Residents".

2. Click the "Query" button in the upper right corner.

3. You can choose to print the certificate for yourself or others: if you print it for yourself, select "Issue my certificate"; If printing for others, select "Issuing Payment Proof for Others", fill in the inquiry information and click "OK".

4. Click "Issue Proof" after querying the payment information, check the payment proof after the proof is made, and save the picture to your mobile phone to print it yourself.

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Family mutual aid payment through personal account

Since December 1, 2023, if a family mutual aid network has been established and "mutual aid payment" is selected, the medical insurance department will directly deduct the insurance contributions of family members from the balance funds of the founder’s account over the years, without the need for individuals to pay through offline or online channels.

pay attention to

If the employee medical insurance participants in this city are willing to pay the insurance premium for their family members (parents, spouses and children) in 2024 by means of mutual aid payment, they must set up a family mutual aid network and choose the use mode of "mutual aid payment" before 17:30 on December 25, 2023, on the premise of ensuring that the remaining funds in the occupational insurance account can fully pay the insurance premium.

Scan the QR code below to enter [Medical Insurance Account Family Mutual Aid]

Guide to building a family mutual aid network

Step 1: After entering the service, click "Deal with it immediately" and the founder (investor) will choose to set up a family mutual aid network to enter ("ID card" or "other documents") according to the situation.

Step 2: Complete the establishment of family mutual aid network according to the application process, and choose the use mode of family mutual aid funds.

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"Apply for Citizen Cloud" APP [Internet Hospital] area, and make online follow-up visits and drug distribution without leaving home.

The content and pictures of the article come from | with the bid. Please contact the original author for reprinting and authorization.

Original title: "Social security is constantly paid, it is enough to read this article! Click on a button to collect →

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