My Life Essay 1 People often give too many material conditions for happiness. As a result, you may miss many beautiful scenery on the roadside in the process of striving for these material conditions. Happiness is sometimes simple. As long as you have a heart that is good at feeling happiness, you will find many ordinary happiness in life.
I once wrote "Where is happiness?" Although I didn't sing it, this is my true inner experience: "Where is happiness?" ? I'm telling you, it's not a sigh, it's not a boring chat. It is in ordinary work, it is in ingenious creation. It is in the warm eyes, it is in the eyes of the children in class; It is in a pure heart, with the help of kindness. Where is happiness? I also want to tell you that it is in the mother's persuasion and the son's sensible action; It is the eyes that lovers appreciate and the words that colleagues appreciate; Where is happiness? Happiness is in the pace of continuous progress, and happiness is in the courage to overcome difficulties; Where is happiness? Happiness lies in the little things in life, and happiness lies in the wisdom of life. "
In the eyes of ordinary people, teachers live in poverty, have low social status, are busy with work and are under great pressure. What about happiness? Teachers in cities are still like this, not to mention rural teachers with difficult conditions. I think: instead of moping all day, miserable and complaining, it's no use living like a year. It's better to live every day as if it were your last. In this way, you will cherish everything in front of you, live well, work hard, be a good person, treat your family well, honor your parents well, and don't let your life have any regrets. You will expand the width of life and add a touch of gorgeous color to life. You will become more confident, your face will always have a charming smile, and your body and mind will become younger and younger. ...
I once joked about my current living condition when communicating with my classmates: "Amphibia"-staying on campus from Monday to Friday and going back to the city for vacation on weekends. And laughed at me for living a semi-secluded life. Although the teachers in the county take care of work and family, and the material and cultural students are more colorful than us, for me, who is quiet, I can be alone in the corner after work, with quiet environment, fresh air, books, computers and TV as companions. When I went out, I saw lively and happy students. I respectfully said, "Hello, teacher!" Greetings are clean, but they are different from living alone. I am used to and enjoy this life, which not only saves me the boredom of staying in the city all day, but also saves me the adjustment of going hiking on weekends. I can also go shopping with my family, visit my mother and reward myself with a delicious meal. I enjoy this amphibious life very much.
As a Chinese teacher, although there are some imperfections and even regrets in teaching, in most cases, I feel happy and happy with my knowledge accumulation, skillful expression and flexible ability to control the classroom, facing a pair of immature, thirsty eyes and intoxicated face with a smile.
My school dormitory is shabby and shabby, and its furnishings are gloomy and monotonous, but I keep it simple, comfortable, warm and practical. I live in it without reducing my happiness. I turn on the TV or radio at dinner to learn about the news and current affairs. When I am in sports or entertainment, I turn on QQ music and stereo, and the familiar melody rings. I can't help singing my favorite songs, and I will dance to rhythmic music. At this time, I feel more free than the gym.
Reading is an important part of my semi-secluded life. On a pleasant night, insects are singing outside the courtyard. I like to lie in bed and open books at this moment. My most intoxicated day is slowly drawing to a close in this book. Yu's "cultural journey" made me linger in many places of interest in the motherland and marvel at the profoundness of China culture. One Hundred Years of Solitude by Marquez, a master of magical realism literature in the book, writes the history and loneliness of Latin America with magical imagination, which makes me linger; Xiao Hong's Biography of Hulan River made me see Xiao Hong's loneliness and loneliness. Xiao Hong's true description of the small town in the northeast at that time and the profound and accurate description of the kindness, ignorance and numbness of the people of Hulan River made me marvel at her talent and feel sympathy and regret for her experience and early death. I can never get tired of reading Bai Mei's light and concise words; Wang Xiaobo's Golden Age is full of wisdom and rationality. There are absurdity in rudeness, rationality in absurdity, humor in rationality, irony in humor and criticism in irony in his works, which are worthy of being Joyce and Kafka in China. Yu Hua's To Be Alive is both an epic and a fable. It spanned the turbulent, magnificent and earth-shaking modern history of China from the early years of the Republic of China to the 1980s. Fu Gui's experience represents the experience of hundreds of millions of people in China who have experienced that period of history. Life is a tragicomedy, and the meaning of living is to experience and appreciate the taste in life.
At home on weekends, I will clean up my house, then go shopping in supermarkets or vegetable markets, and go home to cook a nutritious meal with rich nutrition, good color and flavor, such as braised hairtail, coke chicken wings, beer duck, roast chicken with mushrooms, stir-fried meat, boiled fish and so on. I will also find time to go to my hometown to see my mother, do housework for my mother, talk to her about things at home, and watch her healthy and energetic. I also go home with joy and satisfaction.
Life is a palette, we should make our bright colors beautiful and moving; Life is also a lyre. We should be good at plucking harmonious notes and playing beautiful melodies.
My Life Essay 2 Today, in the course of everyone's life-long academic job search, they may have to go through various key exams such as the senior high school entrance examination, senior high school entrance examination and college entrance examination. But everyone's experience during the exam may have different feelings. My junior high school life is like this:
Some time ago, I took the junior high school exam. In order to do well in the exam and achieve ideal results, I have been trying to review my studies. My life is full of ups and downs.
Acid in the life of Xiaoshengchu:
Before the exam, my mother always asked me to review the current courses and the courses I learned in the past grade. I told my mother that I didn't take the exam before junior high school, but only took the sixth grade course I am studying now. It is useless to study the former one. But my contradiction and negativity made my mother very angry and began to nag and preach, but I think it's true! But in order not to have a bigger conflict with my mother, I had to study patiently, but it didn't hurt, so I took it out and reviewed it carefully, but in the process of learning, I only felt sour and uncomfortable.
The bitterness of life in Xiaoshengchu:
In the hot season, I have to study hard, read, write and remember, which often makes me sweat. Sometimes in the street, walking on the road, you have to carry your back while walking, and even eat, still chanting in your mouth. Even when I went to the toilet, I was still reading. Teachers often assign more than a dozen papers, newspapers and copy homework. For this reason, I often write until eleven o'clock at night, which makes me feel worse and more painful than being tortured. Even this mother added English grammar problems and dad assigned math problems, which was really miserable!
Life interest of Xiaoshengchu:
In order to do well in the exam, mom and dad always let me do the questions. I can't do some problems. My parents are as anxious as ants on hot bricks. Sometimes my mother keeps nagging and scolding me, and I can't help it! Dilemma, let's go in. Even if we squeeze our brains out, we may not be able to figure it out. Go home, my mother always said, I am like pepper, and spicy people are dizzy.
The sweetness of life in Xiaoshengchu;
My life at the beginning of junior high school, in a word, is too bitter and difficult, which really kills me, but it's all for a good middle school. Many things happen. Finally, I passed the exam and got good grades. I don't think such a long effort was in vain.
My junior high school life is like this. What about you?
My Life Essay 3 According to the official survey of 30 banking institutions, 28 banks in the surveyed institutions have opened WeChat banking services, accounting for 93.33%. From the perspective of institutional types, five state-owned banks and 12 joint-stock banks have opened WeChat banks, while eight local commercial banks and three foreign banks have opened such businesses, and only two foreign banks have not yet opened them. Among the WeChat banks that have been opened, 64.29% have basic functions such as inquiry and consultation, and 35.75438+0% only build a platform without providing substantive functions. The development rhythm of WeChat Bank is different.
The service function is from simple to complex, and the technical means are constantly breaking through. Wechat Bank can provide functions such as inquiry, consulting service, transfer payment, withdrawal without card reservation, and even purchase wealth management products and loan application, which can help customers save time and cost, and break through time and space constraints to inquire information or handle business. At present, the services provided by WeChat Bank mainly include the following categories:
The first is information inquiry and account service. Such services are basic services, and most WeChat banks have opened such services. The second is credit card service. Credit card services mainly include bill inquiry, line inquiry, credit card application, repayment and other services. Credit card service is one of the basic sectors of WeChat Bank, with high user experience. Third, transfer and remittance, purchase of wealth management products and other fund payment services. Some WeChat banks have opened services such as purchasing wealth management products, recharging mobile phones, and paying living expenses, involving fund payment functions. Because there are still risk control problems in the connection between WeChat platform and banking system, banks are cautious about opening WeChat mobile payment function. Even if some WeChat banks have launched the fund payment function, they need to rely on the mobile banking of all banks.
2. The public account of WeChat Bank is not unique and difficult to identify.
Searching for a bank in the official WeChat account column of WeChat will lead to several or even dozens of related official WeChat accounts, some of which even have the same name. Except Nanyue Bank and Standard Chartered Bank, the other 26 banking institutions have more than 1 entity, reaching 56 at most, and 28 banking institutions * * * searched out 396 WeChat entities. There are too many WeChat banks with the same account number on the WeChat platform, some are the accounts of branches or departments of banks, and some are fake WeChat banks, which easily give customers a confused impression and make it difficult to identify them.
3. Customers face the risk of information leakage.
First, there is no need for password query, which leads to information leakage. After some WeChat banks are bound with bank cards, customers can query their personal account information such as their account balance and credit card bills. Without entering the query password, which is a potential information security risk. Second, the loss of mobile phones leads to information leakage. When a consumer enters a bank's mobile phone page.
After that, if "Remember information" is checked, the personal identity information on WeChat will always exist. If the mobile phone is lost, others can log in to WeChat Bank directly, which will easily lead to the disclosure of credit card bills, points and other related information. Third, the loss of WeChat account leads to information leakage. If the customer does not clear the information in time, the information exchange meeting between the customer and the bank will always exist in the WeChat chat record. Wechat binds the user's bank account. Once the WeChat account is stolen, the customer's bank information will also be leaked.
4. Wechat Bank has hidden dangers in payment security.
First, it is too simple to open the WeChat payment program. Customers only need to provide their name, card number, ID number and mobile phone number to open it, unlike online banking and mobile banking, which require them to open it at the counter with valid ID documents. The opening method of WeChat payment is too simple to verify the authenticity of customer identity, which is likely to cause financial security risks. Second, WeChat Bank only pays by WeChat payment password, and there are no other verification methods such as password cards, so the security factor is low. Third, the WeChat platform is not an encryption platform. It is easy for others to use bank card numbers and passwords stolen from other channels to conduct various banking operations on this platform, resulting in information leakage and even financial losses. The fourth is the mobile phone virus. Mobile phone virus will pretend to be common mobile phone software. The virus can monitor the user's mobile phone keyboard in the background of the mobile phone system, and can simulate the user's operation by simulating keys, so as to achieve the purpose of malicious consumption or transfer.
5. WeChat platform has information security risks.
Wechat Bank is a public account installed on the WeChat platform, and all data transmission is carried out through the WeChat platform. The exposure of the interface may cause some transaction records and other data to be crawled by WeChat, and the data will eventually be deposited on the WeChat server. When Tencent has information security risks, it will lead to the security risks of WeChat Bank.
Fourth, suggestions for WeChat Bank
Because the WeChat banking platform is in the early stage of construction, there are still many problems such as security, and there are many risks in the uniqueness of public accounts, customer information security, payment security and so on. Therefore, regulators and banks need to increase investment in risk prevention management:
1. Clarify the supervision of WeChat Bank. First, amend relevant laws and regulations to regulate the operation and development of WeChat Bank from the legal level; The second is to clarify the regulatory authorities and regulatory responsibilities to prevent the lack of supervision and unclear responsibilities of WeChat Bank.
2. Supervise and standardize the management of network platforms. It is suggested that commercial banks manage Wechat Bank in a unified way with reference to the website and authorize the uniqueness of the network platform. Branches such as credit card departments can be set up under the corresponding columns to avoid the phenomenon that the subject is not unique and difficult to identify.
3. Strictly do a good job in customer identity authentication. It is suggested to refer to the opening methods of online banking and mobile banking. Customers should go to the counter for real-name authentication to open WeChat banking, set the payment password, and do a good job in customer identity authentication to prevent the risk of fund payment.
4. Innovative security payment management. Strengthen network security protection, take measures in system security and data communication, and establish anti-phishing mechanism through network security protocol and electronic signature to solve the security problem of electronic payment.
5. Strengthen the education of financial consumers. Strengthen the publicity and education of financial consumers, improve consumers' awareness of WeChat Bank and their sensitivity to risks, especially in the payment of funds, prevent financial fraud and ensure the safety of funds. China E-commerce Research Center News) The wave of mobile Internet has subverted the world and people's living habits with overwhelming momentum. For this reason, the banking industry has followed the trend of the times and launched mobile Internet service platforms such as Bank APP and WeChat Bank. Among them, WeChat Bank is particularly eye-catching. With the launch of the payment function of WeChat 5.0, no matter state-owned banks, joint-stock banks or city commercial banks, they all log on to the WeChat platform with lightning speed, and the functions of payment, bill checking, repayment, WeChat customer service and transaction reminder have brought users exclusive and convenient services anytime and anywhere. However, if a sound reputation mechanism is not established in time, the future development path of WeChat Bank will be very bumpy.
My Life Essay 4 I. Development Status of WeChat Bank
The rapid rise of mobile Internet users and the popularity of smart phones are the background of the emergence and development of WeChat Bank. In March of 20xx, China Merchants Bank took the lead in launching credit card WeChat customer service, and in July of that year, it upgraded and launched WeChat Bank. Subsequently, more than a dozen national commercial banks successively launched WeChat banking services, which set off a small climax of WeChat banking construction.
First of all, all banks' WeChat services have the following characteristics.
First, basically all national commercial banks have launched WeChat service.
Second, different development models are adopted according to service projects. One is WeChat customer service, which mainly provides credit card related services; The other is WeChat Bank, which provides a series of services including credit cards, debit cards and wealth management products. At present, most banks adopt the WeChat banking model, which mainly deals with retail business for individuals, especially credit card business, debit card business and wealth management product sales.
Thirdly, Wechat Bank is still in the early stage of development, and the services it can provide at present are relatively simple: First, information inquiry, such as credit card bills, points and preferential information inquiry, debit card balance inquiry and outlet information inquiry. Secondly, handle some standardized services, such as bill installment, transfer payment, online reservation, living payment and so on. Finally, provide business channels, such as applying for credit cards, applying for loans and purchasing wealth management products. Fourth, banks have different reactions to the new thing of WeChat Bank. Although the development time is not long, it has opened the gap. Some banks have completed the integration, showing customers a complete retail banking system, some banks provide both credit card customer service and bank customer service, and a few banks only provide credit card customer service.
Second, the reasons and significance of the rapid rise of WeChat Bank
The rapid rise of WeChat Bank has a profound background of the times. In recent years, the scale of China's mobile Internet users has grown rapidly, and its proportion in the overall Internet users has increased year by year, reaching 78.5% in June of 20xx, which indicates the arrival of the mobile Internet era. Now as long as you have a smart phone, you can spend, pay, invest and manage money anytime and anywhere. This has greatly impacted the business model of traditional commercial banks that rely on the number of outlets to improve their business scale, and prompted them to create new financial models in the era of mobile Internet.
Accordingly, WeChat is an extremely popular instant messaging software. Tencent recently announced that as of September 30, 20xx, the number of monthly active accounts on WeChat had reached 271900 million, an increase of 15.3% over the previous quarter and the same period last year.
124.3%。 The process of commercial banks' transition to mobile Internet coincides with the rapid popularization of WeChat, and WeChat Bank was born naturally, becoming a new way for banks to serve customers. Facts have proved that WeChat Bank can create tangible benefits for banks, mainly reflected in the following points.
1. Reduce service costs
Wechat Bank can effectively save costs by replacing traditional manual seats with intelligent customer service. Take the credit card business as an example. In 20xx, the customer service manual telephone traffic of China Merchants Bank Credit Card Center exceeded 60 million, and the cost of each call was around 5 yuan (including staff salary, communication fee, water and electricity, seat hardware and equipment, etc.). ). If WeChat's self-help and interactive service can save 10% of telephone traffic, it will save about 30 million yuan every year. The actual replacement rate may be higher.
At present, banks are used to pushing information about preferential activities by SMS. The cost of sending short messages is 3 ~ 5 cents/message, calculated as 2 short messages per month. If it is sent via WeChat, the issuing bank with100000 users can save120000 yuan. Because the information sending cost of WeChat is extremely low, commercial banks can send new information about preferential activities every day.
In addition, WeChat Bank can save costs for banks in many aspects, such as gradually replacing paper bills of credit cards and providing new low-cost channels for card handling, lending and wealth management products.
2. Improve the user experience
In the past, customers encountered problems (whether it was daily problems such as bill inquiry or emergencies such as loss reporting cards), and in most cases, they could only call the customer service hotline for help. However, it usually takes a while to dial the manual seat, and sometimes I can't even get through. With WeChat Bank, customers can check bills and report losses anytime and anywhere in just a few seconds, and the improvement of customer experience is self-evident. For another example, it usually takes a long time for customers to get their numbers and queue up at bank outlets. With WeChat Bank, customers can easily check the queuing information of surrounding banks and make an appointment in advance, saving time and effort.
3. Achieve precise marketing
In the past, it was not easy for banks to achieve accurate marketing. Taking the credit card business as an example, the information of preferential activities can only be pushed in batches through the customer base, and a large number of information lacking pertinence is obviously invalid. With WeChat Bank, the situation is very different. For example, if a cardholder is on a business trip from Beijing to Shanghai and wants to know what preferential activities are available nearby, he only needs to open WeChat Bank and select "Positioning". After a few seconds, the information about the preferential activities around his location will be displayed immediately. Even if he didn't take the initiative to know the preferential information, as long as he had a meal at Nanjing Road in Shanghai, the banking system could immediately identify his location and send a WeChat transaction reminder to remind him of any preferential activities near Nanjing Road. This kind of precision marketing is conducive to commercial banks to achieve the most effective promotion at the lowest cost.
In the future, commercial banks can build a service platform around WeChat Bank, pool the resources of various services and partners of the bank, and form a "micro-life circle" dedicated to each customer. The value of this platform will exceed our imagination.
Third, the hidden dangers of WeChat Bank
However, some results show that the development of WeChat bank is helpful to provide customers with more convenient, efficient and diversified financial services, but there are also hidden dangers such as information leakage and payment risk.
Some people say that books are ladders, nutrients and spiritual food, but I think books are more like the sun.
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I can't live without books, just as fish can't live without water and clouds can't live without sky. I remember the teacher once left an assignment and read an article every day. Many people find it difficult to persist, but I think it's as normal as eating and sleeping.
Reading is an indispensable and refreshing part of my life. I miss the world of books; Indulge in the world of books; Listen to the sound of you growing up in the world of books. Books also give me comfort and peace, and release the depression and melancholy caused by the pressure of study and life in the dialogue with books. Books have become my confidants and friends.
In my bookcase, there are always rows of books sticking to their posts like soldiers. Let me close my eyes and think slowly. I can vividly remember the content and true meaning of every book.
My favorite masterpiece is Graham's Wind in the Willows. I can't put it down. The four lovely gentlemen in the book are actually four kinds of ordinary animals in the English countryside: mole, toad, mouse and old badger. The article is exquisite and elegant, smooth and light. Showed me unforgettable English country life. The book also talks about simple and kind otters, shy and lovely little vole choirs, stupid and unfriendly rabbits, weasels, ferrets, ferrets and so on. This book shows animals vividly. They are all loyal and treacherous, just like the human world. These beautiful and touching words have accompanied me for many nights. I watched it three times in a row, but I still can't bear to put it down.
Books, inseparable from my life, let me know all kinds of people, each with its own characteristics.
A good book is the first round of the sun, and a thousand good books are the first round of the sun, which will illuminate our Jack's direction and make our life brighter!
My Life Essay 6 With the continuous development of economy and society, people's life rhythm is getting faster and faster, and their lifestyle is also changing quietly, including payment methods, such as ic card taking bus, being used to visiting online stores to enjoy the fun of online shopping, being used to spending all kinds of things I like with credit cards, and being used to avoiding the long wait at the bank counter through online bank transfer ... As a post-80s generation, my life is no exception. Various modern payment methods are affecting and even changing my life!
In recent years, with the expansion of banking business and the progress of service means, bank card has already become the most widely used payment tool, and the proportion of bank card consumption in the total retail sales of social consumer goods has continuously reached a new high. However, the payment method of credit card consumption is being strongly impacted by emerging electronic payment methods such as online payment, mobile payment and telephone payment. First of all, the Internet has changed my life, and the opening of online banking has brought many magical experiences to my life. Never leave home, you can easily pay electricity bills, recharge phone bills and self-help my personal online bank by turning on the computer; Click the mouse, online shopping settlement, transfer and remittance are completed instantly; I can buy and sell funds, insurance, precious metals and futures online just by looking at the computer screen.
Online banking has opened a new world for me to keep pace with the times. It showed me a financial supermarket with various financial products. Online banking is a family bank that I can rely on. Secondly, technology has given finance a soaring wing. Nowadays, mobile phone is no longer a simple communication tool, it has become a mobile bank that accompanies me every day. In my palm, this mobile phone is a private bank that serves me wholeheartedly. Remittance transfer, gold trading, foreign exchange financial services, my mobile banking. My mobile phone is in the bank, so I can open the "cash withdrawal without card" service of mobile banking without carrying my passbook and bank card. I can easily withdraw money from ATM with the help of "reserved mobile phone number", "reserved code" set by myself and "temporary password" SMS received by my mobile phone. It can be seen that the emerging electronic services have developed rapidly and adapted to the payment service needs of different people and different classes. In addition, the steady advancement of electronic bills provides a broad space for the promotion, popularization and development of bill business. In 20xx, the ratio of cash payment to non-cash payment in China was less than 1%, and China has entered the era of non-cash payment.
Having said that, I believe many people will think of the story of the silly sparerib who took a train back to his hometown with tens of thousands of dollars on his back and the "world without thieves" around his purse. With the wide application of modern payment methods in recent years, the experience of silly root is gradually changing. If a fool were alive today, he might not go home with cash, but just take a bank card. Imagine that if you go home with a year's hard-earned money, you will always worry about losing money on the road, and your heart will always be uneasy. Taking the card home is different. The card is light, so it is not easy to lose it with you. Even if you lose it, you will still have password protection. When I go home, I want to use this money to get it from the bank, which can save a lot of trouble on the road.
It has to be admitted that the development of non-cash payment tools, especially electronic payment methods, has created a number of non-financial institutions specializing in electronic payment business, effectively making up for the shortage of bank counter outlets and greatly alleviating the queuing problem of bank outlets. In order to strengthen the supervision and management of non-financial institutions' payment business, ensure the safety of customers' funds and safeguard the legitimate rights and interests of consumers, the People's Bank of China also actively guided non-financial institutions to engage in payment business in accordance with the principles of safety, efficiency, honesty and fair competition, comprehensively and objectively analyzed the development trend of non-financial institutions' payment business, and established the working idea of "combining national conditions, promoting innovation, leading the market and standardizing development" for non-financial institutions, which was released in 20xx. This will certainly play a positive role in promoting the development of modern payment methods in the future.
Time makes young trees lush; Time makes the wings of young eagles soar in the blue sky. I believe that with the continuous passage of time and the further development of economy, the new modern payment system will not only facilitate people's lives, but also play a great role in promoting consumption, reducing transaction costs, supporting agriculture and benefiting the people.