POS sales disrupted the order of the payment industry, and the black hand behind it was named by CCTV 315.

Author | Zhang Haodong

Encyclopedia of production and payment

Yesterday’s CCTV 315 party exposed a number of harassing phone sources hidden behind POS electromechanical sales. The named companies include Rongying Communication, Ronglian Qimo, Hangzhou Yiyu, Lvqian Network and many other companies. These companies can easily obtain the mobile phone number of consumers. According to CCTV reports, consumers will reveal their mobile phone numbers as long as they browse the webpage. Although consumers do not leave their phone numbers on the webpage voluntarily, they can directly call users through their systems, so as to conduct accurate marketing based on big data. Rongying Communication is a company that specializes in building outbound call systems and providing outbound call lines for some telemarketing companies. The manager of the company said that many telemarketing companies are making harassing calls through their systems, but their words are disguised, and most of them are in the form of return visits, such as contacting a certain product before.

Making harassing calls through the outbound call system of Rongying Communication can hide the real calling number, prevent complaints, and avoid the operator’s detection of outgoing calls. Companies that make harassing calls need to pay Rongying Communication a call fee of about 0.1 yuan per minute. It is understood that there are more than 20,000 customers of Rongying Communication, 80% of whom are used to make harassing calls, and the income from pure telephone charges is almost 100 million a year, which also reflects the great demand for harassing calls. The phenomenon of harassing calls by using outbound call system is also very serious in the payment industry. Many consumers have received calls about selling POS machines. In the past, when POS electromechanical sales were the craziest, some consumers could receive dozens of sales calls every day. The electromechanical sales of POS is a long-standing chaos in the payment industry. The root cause of the emergence of POS sales is the fierce market competition on the one hand and the disclosure of personal telephone numbers on the other.

The smooth implementation of POS electromechanical sales behavior is inseparable from the company that specially builds the outbound call system. It is through the outbound call system that POS electromechanical sales personnel can constantly change their phone numbers, and then bombard potential customers. The telemarketers are usually called the customer service staff of a payment institution. Because of the machine upgrade and other reasons, they pretend to be the official to mail new POS machines to consumers. Once the users are determined to be interested, they start routine users. CCTV once reported that a telemarketer claimed to be the customer service staff of UnionPay POS business center, who could provide users with credit card seconds to POS machines, and could also handle large credit cards as a gimmick for extensive telemarketing.

In 2020, the Ministry of Industry and Information Technology issued a document, intending to strengthen the business management of call centers, strictly control harassing calls, and strive to effectively curb the problem of call centers making calls to disturb the people, and require operators to carry out self-examination and self-correction, stop illegal outgoing calls and illegal access, and improve management systems and technical means.

At present, the containment effect of POS electromechanical sales is not obvious, and harassing calls about POS machine sales are still very frequent. In addition to strengthening the management of relevant personnel by payment institutions, it is necessary to cut off the source of harassing calls from the source.

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　　Our commentator Fan Dazhao

　　Today’s editorial

　　The real estate industry has a large scale, a long chain and a wide range of aspects, and it occupies a fairly high share in the national economy, the fixed assets investment of the whole society, the local fiscal revenue and the total loans of financial institutions. All localities should strive to stabilize land prices, house prices and expectations, strengthen the coordination of regulatory policies such as finance, land and market supervision, meet the reasonable credit demand of housing enterprises, and keep the bottom line of no systemic risks. The real estate industry should also explore new development models and find new growth points to make urban and rural people live more conveniently, comfortably and beautifully.

　　In 2021, the Central Economic Work Conference made important arrangements for promoting the virtuous circle and healthy development of the real estate industry, urban construction and rural construction, and proposed to adhere to the positioning that houses are used for living, not for speculation, strengthen expected guidance, and explore new development models; Promote the construction of affordable housing and support the commercial housing market to better meet the reasonable housing needs of buyers. Wang Menghui, Minister of Housing and Urban-Rural Development, told the media recently that real estate should not be used as a tool and means to stimulate the economy in the short term, and a long-term mechanism for real estate should be implemented steadily next year, so as to promote the virtuous circle and healthy development of the real estate industry.

　　Since the implementation of the long-term real estate mechanism, with the joint efforts of all parties, China’s real estate market has been generally stable. In the second half of this year, the real estate market is expected to change significantly. According to the November data released by the National Bureau of Statistics, the sales prices of commercial housing in 70 large and medium-sized cities continued to decline month-on-month, and the year-on-year growth rate continued to fall, and the market showed a cooling trend. It is worth noting that this year 1-mdash; In November, the national real estate development investment also showed a downward trend month by month.

　　At present, the real estate market is cold, which is influenced by the factors of debt default risk of individual real estate head enterprises, and also the result of the bottleneck of real estate development and operation mode. Real estate has long followed the development model of "high debt, high leverage and high turnover". Under the pressure of continuous regulation, market cooling and difficult financing, housing enterprises are often in trouble because they are unsustainable. The current downturn in the real estate market once again proves that the urban and rural construction mode of "massive construction, massive consumption and massive emission" is unsustainable. This development mode does not meet the requirements of high-quality development, but also accumulates many potential risks.

　　Next year, China’s economic development will face triple pressures of shrinking demand, supply shock and expected weakening, and the external environment will become more complicated, severe and uncertain. The more we face the downward pressure on the economy, the more we must recognize the situation and maintain strategic strength. The fundamentals of China’s economic stability and long-term improvement have not changed, and China’s development is still in an important period of strategic opportunities. Similarly, the fundamentals of China’s real estate market have not changed, and housing demand is still strong. At present, China is still in the stage of rapid urbanization, with more than 11 million newly employed people in cities and towns every year, which brings a lot of new housing demand. At the same time, a large number of old houses built before 2000 are small in area, poor in quality and incomplete in supporting facilities, and there is a strong demand for improved housing for residents.

　　In the new development period, the real estate industry should not be regarded as a tool for wealth accumulation, but should return to the normal track of serving people’s livelihood and meeting consumer demand. Housing and urban and rural construction are the largest domestic consumer market, and are important areas for steady growth, expanding domestic demand and building a strong domestic market. Real estate enterprises should not only face up to the immediate difficulties, but also firmly develop their confidence. At the same time, all localities should take "ensuring the delivery of buildings, people’s livelihood and stability" as the primary goal, and take the rule of law and marketization as the principle to ensure that the interests of buyers are not lost. Relevant departments should speed up the approval and lending of personal mortgage loans, focus on meeting the needs of the first suite and improvement, and promote the normal release of housing purchases. All localities and departments should actively maintain the smooth operation of the real estate market and better meet the reasonable housing needs of consumers.

　　The real estate industry should also play an important role in stabilizing the macro-economy. The real estate industry is large in scale, long in chain, and involves a wide range. It occupies a fairly high share in the national economy, fixed assets investment of the whole society, local fiscal revenue, and total loans of financial institutions, and has an important systematic impact on economic and financial stability and risk prevention. All localities should strive to stabilize land prices, house prices and expectations, strengthen the coordination of regulatory policies such as finance, land and market supervision, meet the reasonable credit demand of housing enterprises, and keep the bottom line of no systemic risks.

　　Hold the bottom line of the real estate industry, but also to explore new development models and find new growth points. The high-speed and large-scale construction in the past 40 years has accumulated some hidden risks, and disasters and accidents such as aging underground pipelines, urban waterlogging and gas explosion frequently occur, which urgently need to be updated and reformed. Real estate enterprises should actively participate in the transformation and upgrading of urban construction, promote the high-quality development of housing and urban and rural construction, promote their own development with new growth points, stabilize the macro-economy, and make urban and rural people live more conveniently, comfortably and better.

　　China news agency, Beijing, October 9 th Comprehensive news: As of the evening of the 8 th local time, a new round of conflict between Palestine and Israel has caused more than 1,100 deaths on both sides. The US Department of Defense announced on the 8th that it would provide Israel with military equipment such as weapons and ammunition.

　　According to reports from Israeli media and Reuters, Israel attacked residential areas, mosques and residences of Palestinian Islamic Resistance Movement (Hamas) officials in the Gaza Strip on the 8th, and at least three communities at the junction of Gaza Strip and Israel are still fighting. Hamas continued to fire rockets into Israeli territory. Hezbollah in Lebanon fired rockets and shells at Israeli positions in the Israeli-occupied Shebaa farm on the 8th, and the Israeli army responded.

　　According to the Israeli Ministry of Defence and the Israeli medical department, as of the 8th, this round of Israeli-Palestinian conflict has killed over 700 Israelis and injured 2,315 Israelis. On the evening of the 8th, the health department in the Palestinian Gaza said that 413 people had been killed and 2,300 injured in the Israeli attack on the Gaza.

　　According to the Israel Times, the press office of the Israeli government confirmed that at least 100 Israelis were detained in Gaza at around 17: 00 on the 8th. Hamas said on the evening of the 8th that it had detained about 130 Israeli hostages, including Israeli soldiers.

　　Israeli Prime Minister Benjamin Netanyahu spoke with US President Biden on the evening of the 8th. Biden said that US assistance to the Israel Defense Forces is on the way and more assistance will be provided in the next few days. On the same day, the U.S. Department of Defense announced that it would provide Israel with ammunition and equipment, and strengthen the U.S. forces in the Middle East in response to Hamas’s attack.

　　Israeli President Herzog delivered a national speech on the evening of 8th, condemning Hamas’s actions and calling on Israeli people to maintain national unity. Earlier, the Prime Minister’s Office announced that Israel had entered a "state of war", which meant that it could carry out "major military activities".

　　According to the official Palestinian news agency "Wafa", Palestinian President Abbas telephoned Qatari Emir (head of state) Tamim, Egyptian President Seyce and King Abdullah II of Jordan respectively on the 8th to exchange views on the Palestinian-Israeli situation. When communicating with the three leaders, Abbas emphasized the importance of providing relief and medical assistance to the people in Gaza. He said that the only solution to avoid the escalation of the Palestinian-Israeli situation is to reach a political solution and end Israel’s occupation of Palestinian land. (End)