China Merchants Bank Co Ltd has teamed up with ride-hailing major Didi Kuaidi to provide automobile financing and expand its reach in China's booming mobile payment industry.

    The two have inked a comprehensive partnership, which includes a strategic investment by the former in the latter. Under the partnership, CMB will become the first bricks-and-mortar bank that can offer in-app credit card payments to Didi users. At present, users of Didi can only choose third-party payment solutions like WeChat Payment and Alipay to pay cab fares.

    Zhao Ju, vice-president of CMB, said the cooperation with Didi was an important step in its mobile Internet finance strategy. “CMB's mobile payment is going to enter a new chapter by leveraging Didi Kuaidi's vast user base,” he said.

    According to a report by China Internet Network Information Center earlier this month, Didi holds 87.2 percent of China's private car hailing market. The company said it has received 1.43 billion car-hailing requests on its platforms in 2015, which means 1.43 billion payments were made via smartphones.

    CMB is expected to use Didi to reach the core users of China's mobile payment market. Jean Liu, president of Didi, said many of the expats prefer payment by credit card rather than Alipay or WeChat. “The new partnership will help improve service quality and customer loyalty,” she said. The investment makes CMB part of Didi's existing investors, including Tencent Holdings Ltd, Alibaba Group Holding Ltd and China Investment Corporation. Both of the companies declined to reveal the actual amount of the investment.

    Liu, who showed up on Tuesday for the first time in public after her treatment for breast cancer, said the cooperation with CMB is for the long run and “the capital investment is only part of it”.

    Under the partnership, CMB and Didi will cooperate on a wide range of initiatives on financial services and online-to-offline cooperation. Apart from the in-app credit card payments, the two companies are going to launch joint credit cards in late February and automobile financing services for Didi's car owners. CMB's branches across China are expected to help Didi recruit more drivers.

    “There is a lot of room for imagination in our partnership,” Li said, adding in future people may use their CMB credit card reward points to pay for the ride on Didi.

    Li Chao, an analyst with iResearch Consulting Group, said the partnership may not significantly boost CMB's mobile payment business. “Didi has educated the market for three years and its customers have formed the habit of paying by WeChat or Alipay. So I think CMB can only turn a very smart proportion of Didi users into its payment customer,” he said. “But the move shows that China's traditional banking industry is finally thinking out of the box and looking for outside partners in Internet finance competition,” he said.

    Statistics from Big-Data Research showed that more than 90 percent of China's 9.3 trillion yuan ($1.41 trillion) worth of third party mobile payment market is donated by Alibaba and Tencent.

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Bell Teacher Campus 2016: Cultural Talks

    Our talks start at 16:00 on the first week in August, and each one lasts about one hour. Each talk will be offered only once during your 4-day stay. Please sign up on the main Bell Noticeboard (Second floor, Mary Allan Building).

August 1st

    BRITISH MUSIC, by Pete Sharma in Room 106. British music is famous worldwide. In this talk, I'll discuss what's popular and what's not right now and the top music festivals in the UK. We will listen to some of the artists and share some thoughts about singing and dancing.

August 2nd

    LOVE ME, LOVE MY CAT, by Lis Harrison in Room 207. We will be looking at this national interest through idioms(习语), songs, and everyday British life, and along the way covering some vocabulary for “talking cat”. At the end, we'll be discussing that old topic: do we Brits treat out pets better than we treat our kids?

August 3rd

    A GAME AS ENGLISH AS CROQUET(槌球游戏)，by Anna Young in Room 218. First, we will look at the origins of croquet, a much loved garden game in England. We will look at simple croquet rules, and then practice time! We'll go out and play!

August 4th

    WHY ENGLISH PEOPLE LAUGH, by Jim Scrivener in Room 117. Let me try to show you a little bit of what British people find funny. You will discover some of the most popular radio& TV comedy game shows. You probably won't find it funny at all! But you will learn a bit more about us Brits!

    Some people were eating and drinking in a coffee house. A young woman was sitting alone at a table. She was wearing a beautiful diamond necklace. There was an ugly man at a table not far from her. He was looking at her necklace all the time.

    Suddenly the lights went out. The coffee house was in darkness. The woman started to shout. She was very frightened. A few minutes later the lights came on again. The woman was crying. Her necklace was missing.

    The manager quickly closed all the doors. He telephoned the police. No one could get out of the coffee house. The policemen soon came. The police inspector told his men to search everyone. The necklace was not on anyone. They then searched the whole coffee house. The necklace couldn't be found.

The police inspector then looked at the faces of all the people in the coffee house. He saw the ugly man and looked at the man carefully. He went up to the man and picked up the bowl of soup that was on his table. He then poured the soup into a glass. The necklace fell out. The policemen caught hold of the man and took him away. The young woman was happy to get back her necklace.

    Nearly everyone has bad habits. That's because, try as we might, bad habits are hard to break. On the other side, good habits, such as eating more healthfully or exercising regularly, never seem to stick. As a result, most people throw up their hands and surrender.

    But now a new book, Better Than Before: Mastering the Habits of Our Everyday Lives by best-selling author Gretchen Rubin, offers some useful solutions.

    Rubin, who became interested in habits during her research on happiness, which resulted in two popular books, The Happiness Project (2009) and Happier at Home (2012), found that our inability to master unwanted behaviors was a major downer (令人沮丧的因素). So, after guiding millions of readers down the path of true contentedness, Rubin turned her investigative skills toward habits.

    Her most important find? Change is possible if we do some soul searching and identify how we respond to expectations. And, just about everybody falls into one of four personality categories: Questioners, Obligers, Rebels and Upholders.

    Rubin believes herself to be a classic Upholder, someone who forms habits relatively easily because she responds well to both other people's deadlines and her own. As to the other types, Questioners will only form a habit if it makes sense to them; Obligers work hard to meet other people's expectations but often let themselves down. And Rebels resent (反感) habits.

    "Think about the habit that you want to form and then think: "What's everything I could do to set myself up for success?" says Rubin. For example, if you want to exercise more and you're an Obliger, call your friend who lives across the street and meet at 6：30 every morning for a walk.

    One common pitfall (陷阱), says Rubin, especially when it comes to changing your diet, is lack of clarity (清楚). "You can't make a habit out of eating more healthfully, "she says. Instead, your habit should be something like: "I'm going to pack a lunch every day and bring it to work instead of eating out."

    As for exercise, Rubin recommends a strategy called pairing—coupling two activities, one that you need or want to do and one that you don't particularly want to do. Rubin, for example, only allows herself to read magazines while on fitness equipment at the gym.

    Food is necessary for offering energy to our bodies, but sometimes we buy too much of it at the store. When your food starts to go bad, there are many other ways you can still make use of it instead of throwing it away.

    Before throwing away old bananas, you can use the peels (皮) to shine up metals and leathers. Press the peel against the surface, move it backwards and forwards and then polish clean it with an old cloth. Banana meat is also good for reducing wrinkles. Put a bit on those trouble spots, let it sit for a while, and then wash it off, and your wrinkles will go away. Lemons are great for lightening skin and hair. If you have trouble with some skin diseases, like red spots on your face, put a bit of fresh lemon juice on them and leave it overnight. You'll notice a difference in the morning. Apples will help ripen (使成熟) tomatoes quickly when they are placed together in a paper bag, and orange peels are great fire starters for your next backyard campfire party.

    If your dog or cat brings home fleas, using salt is a great way to get rid of them around the house. Just pour salt into the vacuum cleaner (真空吸尘器). Let it sit, then vacuum up the fleas. The salt can kill the fleas. Be sure to throw away the vacuum bag or empty the vacuum bin immediately, or some of the fleas can climb out.

    Beer is a great hair lightener. If you are out of lemons, try dipping your hair in beer before going outside. Just don't forget to wash it out afterwards. Milk is great for removing dirty marks, especially if it is some type of ink.

    As you can see, there are many other uses for everyday foods around the house. So next time, before throwing food away thinking it is of no use, stop for a moment and think about all their uses talked about here.

    A new study from brain researchers helps explain how the human brain evolved or changed over time, to permit people to speak and write.

    Michael Ullman, the lead researcher, a professor at Georgetown University Medical School in Washington, D.C, has been studying language learning for more than 20 years.

    Ullman says his research shows that the human brain does not have a special area or system for making language. Over time we have simply reused or co-opted (指派) parts of our brain for language. And those parts, he says, are ancient-older even than humans themselves.

    "This study examines the theoretical framework (准则) that language is learned, stored and' processed in two ancient learning and memory systems in the brain."

    Ullman, Hamrick and the rest of the team looked at data from 16 other studies on language. They found that people learn language using two memory systems: declarative and procedural. Memorizing vocabulary, for example, is a declarative memory process. But learning grammar is, mostly, a procedural memory process.

    "Declarative memory, in humans at least, is what we think of as learning memory', such as, 'Oh, remember what you said last night' or things like that. And procedural motor memory is what we often call motor memory' such as how you learn to ride a bicycle." Or, Ullman adds, "These procedural memory skills become so deeply leaned that we are no longer aware that we are doing them."

    However, Ullman explains that the two long-term memory systems can share tasks. And, he adds, the adult brain uses the systems to learn language a bit differently than a child's brain.

    "Adult language learners of a second language may use their declarative memory for using grammar patterns. They think about it purposefully. For a child, the grammar may come more naturally. They don't have to think about the grammar rules before speaking."

    In addition to language learners, Ullman's study could help people who have a brain injury that affects speaking and writing. This knowledge can also help those who have learning disabilities such as dyslexia (阅读障碍). People with dyslexia have difficulty recognizing words and symbols accurately.