Jane called me and asked me to go to the dating center
1. Investor participation is different
crowdfunding is to connect procts with more people. Crowdfunding emphasizes a sense of participation, which is all-round. Fund raising means that the fundraiser does an instrial project or carries out capital operation through the accumulation of funds. What he pursues in the loan is the return of funds, and he basically does not participate in the project management
2. Different purposes
for sponsors, crowdfunding is not only the pursuit of funds, but also the nourishment of everyone's wisdom and the spread of word-of-mouth. The purpose of fund-raising is relatively simple, mainly to solve the problem of shortage of funds
3. Different risks
equity crowdfunding aims to raise funds and gather like-minded small partners, which is relatively a rational market behavior and has less capital pressure on the projects raised
however, illegal fund-raising is different. Illegal fund-raising provides returns far higher than bank interest and fund trust procts. Therefore, the repayment pressure on the project is very large
4. Different operation modes
Mi Xiaoli's crowdfunding is an operation form of new economy. It publishes information in all aspects from project start-up, market positioning, crowdfunding plan release, proct R & D and proct proction. Openness and transparency is the core value of crowdfunding
however, the information disclosed by the initiators of illegal fund-raising projects is very limited. They follow the protection of trade secrets, and people who participate in equity investment usually need to sign confidentiality agreements before participating in projects<
development materials:
crowdfunding, translated from the word "crowdfunding" in foreign countries, refers to the mode of raising project funds from netizens in the form of group purchase and pre purchase. Crowdfunding makes use of the characteristics of Internet and SNS communication to let small businesses, artists or indivials show their creativity to the public, win everyone's attention and support, and then get the financial assistance they need
compared with the traditional way of financing, crowdfunding is more open, and the commercial value of the project is no longer the only criterion for obtaining funds. As long as it is a project that netizens like, they can get the first fund to start the project through crowdfunding, which provides unlimited possibilities for more small business or creative people
illegal fund-raising (according to the provisions of the notice on banning illegal financial institutions and illegal financial business activities), refers to the fact that an entity or indivial, without the approval of relevant departments in accordance with legal proceres, raises funds from the public by issuing stocks, bonds, lottery tickets, investment fund securities or other creditor's rights certificates, and undertakes to raise funds in currency and other forms within a certain period of time Repayment of principal and interest or return to investors in kind or other ways
in order to punish illegal fund-raising activities such as illegal deposit taking from the public and fund-raising fraud, the Supreme People's court, together with China Banking Regulatory Commission and other relevant units, has studied and formulated the interpretation on Several Issues concerning the specific application of law in the trial of criminal cases of illegal fund-raising, which has come into force since January 4, 2011.
W hotel and Marriott differ in ownership, distribution and target guests
W Hotel: W hotel is a brand of Starwood Hotels and Resorts International Group2. Marriott: Marriott is a hotel brand of Marriott International Group
W Hotels: W hotels cover 33 cities in North America, Latin America, Asia, Africa and the Middle East2. Marriott: Marriott's business covers the United States and 67 other countries and regions
Third, the target guests are different.
1. W Hotel: the target guests of W hotel are about 30 to 35 years old, well-ecated, generally childless and interested in the latest, coolest and most fashionable things
2. Marriott: the target guests of Marriott are those who need to stay for a long time when they are traveling or on business
of course, as long as the payment lasts for more than half a year or more, it is OK.
for medical insurance reimbursement, you need to go to the local medical management center or the medical insurance checkout window of the designated medical institution for reimbursement
the proceres include: ID card, medical insurance card, original invoice, medication list, medical record and other materials
the reimbursement of medical insurance is carried out in proportion, generally floating around 70%. The proportion and amount of reimbursement are related to their own examination and medication, medical grade and other factors. For example, it is clear that class a drugs can be fully reported, while class C drugs need to pay for all the expenses, while class B drugs need to pay 80% of the expenses and 20% of the expenses
a person's medical expenses amount to 9000 yuan, and the reimbursement formula is as follows: (9000-500 "starting line" - self funded drugs) * 70%. If self funded drugs account for a large proportion, there is not much money to be reimbursed
in addition, it is very important to see a doctor in a designated medical institution
it's better to seek medical treatment in the place of purchase than in other places, so it's necessary to obtain the approval of the local medical administration before seeking medical treatment
first, there are actually two existing medical insurance systems in China
one is urban workers' medical insurance paid by people with jobs, and the other is urban and rural residents' medical insurance paid by people without jobs
the outpatient reimbursement methods of urban workers and urban and rural residents are different. In the end, there is a lot of difference in the amount of money that can be reimbursed. It must be that the treatment of the employee outpatient association is better than that of the resident outpatient. What's better? Baobei will explain it to you in the following article
secondly, our medical insurance system is actually based on prefecture level cities, and the local government formulates its own reimbursement treatment according to its own financial and medical conditions. Therefore, different cities have different outpatient services. Even if we all pay for the medical insurance for urban employees, some places, such as Zhengzhou, do not report for the general outpatient service at all. However, in the first tier cities like Shanghai and Beijing, which have more financial revenue, the general outpatient service can be reimbursed several thousand a year. Next, we can calculate how to report for the outpatient service< How to report for outpatient service
there are many different policies in different regions, but there are no more than two kinds of outpatient reimbursement: report or not
in areas that do not report, like Zhengzhou where Baobei is located, the general outpatient service can only brush its own medical insurance card or pay in cash
for reimbursement areas, such as Shanghai, you need to brush your own medical insurance card first to see an outpatient service. If the medical insurance fee paid this year is not enough, you need to deposit 1500 in the medical insurance card. If the money is spent, you can enjoy a certain proportion of reimbursement. The higher the level of the hospital, the lower the reimbursement proportion. This kind of reimbursement is a special case, Baobei has never seen a more complicated outpatient reimbursement policy than that in Shanghai...
but the way of outpatient reimbursement for employees in most areas is actually the way I will talk about in detail below in Beijing. It has an annual starting line. As long as the cumulative consumption of outpatient service exceeds this starting line this year, it will be reimbursed directly in proportion.
2. How to report the outpatient service for urban and rural residents< There are as like as two peas in the br / > two reimbursement methods, one is the annual payment line, such as the residents' medical insurance in Beijing and Shanghai, the outpatient reimbursement method is just the same as the outpatient reimbursement in Beijing, but the reimbursement ratio and the ceiling of the outpatient service are low.
the other is not required by the payment line, which only gives the outpatient reimbursement amount of one or two hundred a year, and then it's gone, and then it can only be paid in cash
and the most important difference is that urban and rural residents' medical insurance card has no personal account. What do you mean
there are two accounts for employee medical insurance, while there is only one overall account for urban and rural residents' medical insurance (in the past two years, the state has graally abolished the indivial account for residents' medical insurance). Therefore, the employee's medical insurance card goes directly to the designated drugstore to swipe the card to buy medicine, and what it dects is the money saved in its own medical insurance account every year. And pay urban and rural residents medical insurance, you can't take your own social security card drugstore to buy medicine swipe card, because you have no money
in addition, I would like to remind you that instead of going to the hospital for registration, you just go to the drugstore to get medicines for minor diseases such as colds and fever. It is not an outpatient service. This kind of brush is actually your own money. You can use it as cash. It is a special card for seeing a doctor. This kind of country does not sell it. Unless the doctor gives you a prescription and the hospital affixes a special seal for outsourcing, this kind of going to the drugstore to buy medicine is also an outpatient service, and will be reimbursed part of it ~
Third, the outpatient reimbursement process
when you know how much the outpatient service can be reimbursed, many people will wonder whether the money has been reimbursed when you go to the outpatient service with a medical insurance card? Or do you need to bring the payment list to apply for reimbursement
generally, when we register, we take the initiative to give the medical insurance card to the doctor, which is the beginning of the medical insurance reimbursement process
for example, those in Beijing who have a minimum payment line, if they see three or five hundred patients each time, they will be directly reimbursed in proportion when the total amount of outpatient visits this year exceeds 1800 yuan
for example, Zhengzhou, which does not have the requirement of annual starting payment line, directly reimburses according to the proportion for each outpatient visit. When the reimbursement amount reaches the maximum limit of 150 yuan, it will pay as much as it costs
in a word, where you can get reimbursement, when you go to the local reimbursement line, the medical insurance card will automatically settle for you, so we don't have to worry too much about whether we report or not every time we take medicine. If you don't report it, such as big Zhengzhou, you worry about the process< Fourth, how to operate the outpatient service in different places
in order to pursue better medical resources, it is very common to go to different places to see a doctor now
however, for most areas, off-site medical treatment can only be reimbursed for hospitalization expenses, while general out-patient services generally have to pay for themselves
for a small number of areas, some of them have realized the exchange of outpatient cards in different places, such as 41 cities in the pilot areas of the Yangtze River Delta (Jiangsu, Zhejiang, Anhui and Shanghai). As long as the insured people in these areas have gone through the registration proceres in different places in advance, they can take their medical insurance cards to see each other's outpatient services across provinces and directly swipe their cards for settlement, What's the treatment? What you enjoy is the treatment of your social security city
the online filing app is still in trial operation, and some areas may not be open. If necessary, you can also file offline, or call "area code + 12333" for filing
the inter provincial outpatient settlement system has not been popularized nationwide, and Baobei also hopes to be interconnected as soon as possible. After all, there are more information, less people running errands, and various policies. If you have any problems, don't forget to call 12333 to find out ~
there are many unknown functions in medical insurance. If you care a little, you can save a lot. Financial management is not only investment, but also money saving
after saying so much, Bob just wants to tell you that medical insurance is a good thing and the basic guarantee for us to see a doctor. No matter how the reimbursement policy changes, we still have to believe in the hospital. Medical treatment is the first and curative effect is the first. The newspaper will always report.
If it is in a designated medical institution, it can be reimbursed; If it is not the designated location, it cannot be reimbursed
according to the basic requirements of basic medical insurance payment in China, the insured must go to the designated medical institutions of basic medical insurance to pay for their own medical expenses, which generally meets the following conditions:
(1) the insured must go to the designated medical institutions of basic medical insurance to buy medicine, Or purchase drugs from designated retail drugstores determined by social insurance institutions with prescriptions issued by doctors of designated hospitals
(2) the medical expenses incurred by the insured in the process of seeing a doctor must meet the scope and payment standard of the drug catalogue, diagnosis and treatment items, medical service facilities standard of the basic medical insurance, and can be paid by the basic medical insurance fund according to the regulations
(3) among the medical expenses of the insured who meet the payment scope of the basic medical insurance, the expenses above the starting standard of the social medical co-ordination fund and below the maximum payment limit shall be paid by the social medical co-ordination fund in a unified proportion
extended data
reimbursement proportion of medical insurance
1. Outpatient and emergency medical expenses: the part of medical expenses exceeding 2000 yuan that meet the basic medical insurance requirements within the current year (January 1 to December 31)
2. Settlement ratio: 50% of the dispatched personnel over 2000 yuan will be reimbursed and 50% will be paid by the indivial ring the contract period; In a year, the maximum amount of outpatient and emergency reimbursement for dispatched personnel is 20000 yuan
3. The insured should keep the outpatient medical documents (including the receipt of the large amount or less, the prescription, etc.) as the medical expense reimbursement voucher
4. Outpatient treatment of three kinds of special diseases: when the insured person is suffering from malignant tumor radiotherapy and chemotherapy, renal dialysis and anti rejection drugs after renal transplantation, the secondary and tertiary designated hospitals of the insured person shall issue the "disease diagnosis certificate" and fill in the application and approval form for special diseases of medical insurance, and report to the district medical insurance center for approval and filing
the outpatient treatment and medication for these three special diseases are only limited to the designated hospitals approved for treatment, and cannot be purchased from the designated retail drugstores. If the medical expenses meet the specified scope of outpatient special diseases, settlement shall be made with reference to hospitalization
5. Hospitalization
after 20 years of medical insurance payment, they can enjoy the medical insurance reimbursement after retirement
the reimbursement proportion of medical insurance varies from place to place, please refer to the local policy