分类归档 fun

Text |DoNews Zhang Yu

Editor | Yang Bocheng

As the largest Chinese online literature platform in China, Reading Group still failed to completely reverse its performance decline.

According to the 2023 financial report, the total revenue of Reading Group was 7.012 billion yuan, down 8.0% year-on-year; The net profit of returning to the mother was 805 million yuan, a year-on-year increase of 32.3%; Under non-GAAP, the net profit returned to the mother was 1,130.4 million yuan, down 16.2% year-on-year.

On the surface, although the total revenue of Yuewen Group decreased year-on-year, its net profit increased by more than 30%. However, it should not be ignored that its net profit growth was based on the decline of more than two-thirds in 2022. At the same time, the number of employees of Yuewen Group decreased by about 100 in 2023, which improved the operational efficiency to a certain extent, but also triggered doubts about the growth potential of Yuewen Group in the capital market.

On the second day after the release of the financial report in 2023, the share price of Reading Group plummeted at the opening, and the final closing price was HK$ 25.35, a decrease of 7.31%. Compared with the highest market value of HK$ 31.316 billion in the year, the market value of over HK$ 5 billion has vanished.

Reading Group revealed in its 2023 financial report that it has made innovations and explorations in many different fields, such as AIGC and short play market, etc. But can these explorations restore the reading group to its former glory?

01 lack of performance growth

In 2022, the total revenue of Reading Group declined for the first time in five years since its listing. The 2022 financial report shows that the total revenue of Reading Group is 7.63 billion yuan, down 12% year-on-year; The net profit was 608 million yuan, a year-on-year decrease of 67.1%.

By 2023, this situation has not improved, and the total revenue of Reading Group has dropped by 8.0% year-on-year. In fact, if the comparison time is prolonged, the performance of Reading Group seems to have bid farewell to the period of rapid growth. From 2017 to 2021, the total revenue of Reading Group was 4.095 billion yuan, 5.038 billion yuan, 8.348 billion yuan, 8.526 billion yuan and 8.668 billion yuan respectively, and the corresponding net profit was 563 million yuan, 912 million yuan, 1.112 billion yuan,-4.500 billion yuan and 1.843 billion yuan respectively.

According to the business composition, Reading Group mainly has two businesses: online business, copyright operation and other businesses. The former mainly includes the income from online reading, online advertising and the distribution of third-party online games on the platform, while the latter mainly includes the income from the production and distribution of TV dramas, online dramas, animations, movies, selling copyrights, operating self-operated online games and selling paper books. Among them, online business is the main source of income for the Reading Group, and in 2023, this business accounted for 56.3% of the total revenue.

Source: Reading Group Financial Report

According to the 2023 financial report, the online business income of Yuewen Group was 3.95 billion yuan, a year-on-year decrease of 9.5%, among which the income of its own platform products, Tencent channels and third-party platforms all declined.

Specifically, the business income of self-owned platform products was 3.414 billion yuan, a year-on-year decrease of 2.0%, mainly due to the fact that Reading Group continued to optimize the distribution channels with low return on investment and improve the operational efficiency of online reading business; Tencent’s product channel business income was 342 million yuan, down 42.2% year-on-year, mainly due to the measures taken by Reading Group to optimize the content distribution mechanism, which led to the decrease in advertising revenue, and also due to the reasons why Reading Group optimized Tencent’s product distribution channels. The third-party platform business income was 193 million yuan, a year-on-year decrease of 33.6%, mainly due to the suspension of cooperation with some third-party distribution partners by Reading Group in 2023.

In addition, the revenue from copyright operation and other businesses was 3.06 billion yuan, down 6.1% year-on-year, which also showed a downward trend. Among them, the revenue from copyright operation decreased by 5.9% year-on-year, mainly due to the decrease in revenue of Xinli Media.

Along with the decline of all businesses, the number of active users has declined. According to the financial report, the monthly active users of Reading Group decreased from 244 million in 2022 to 206 million in 2023, with a decrease rate of 15.7%. Among them, although the average number of monthly paying users of Reading Group increased by 10.13% year-on-year to 8.7 million, ARPU (average monthly income per paying user) decreased by 14.0% year-on-year to 32.5 yuan. According to the financial reports over the years, from 2019 to 2022, the average monthly paid users of Reading Group were 9.8 million, 10.2 million, 8.7 million and 7.9 million respectively, while the ARPU was 25.3 yuan, 34.7 yuan, 39.7 yuan and 37.8 yuan respectively.

It is not difficult to find that in recent years, the average number of monthly paying users of Reading Group has generally declined, which means that the ceiling of paid reading looms, while copyright operation and other businesses are still difficult to carry the banner of income, and Reading Group is facing an extremely severe situation.

02 AIGC difficult rescue field

In July, 2023, Yuewen Group launched a large-scale model for online literature "Yuewen Miaobi" and an application product based on this model "Writer’s Assistant Miaobi Edition". Among them, Yuewen Miaobi mainly serves creators, providing services such as assisting people’s design, world outlook and power system construction.

AIGC is regarded as a new opportunity by Reading Group. In 2023, the ingenious version of the writer’s assistant has been opened to all contracted writers, and the weekly utilization rate of the AI function in the writer’s assistant has reached 30%.

Reading Group pointed out in its 2023 financial report, "With the continuous breakthrough of AI technology, we believe that AI can not only serve IP creation, but also play an important role in releasing the value of IP, which can bring adaptation opportunities for more works and shorten the path of IP from visualization to commercialization."

Hou Xiaonan, CEO and President of Reading Group, believes that in the future, Reading Group will continue to upgrade to an open and multi-modal model, and AIGC will fully empower the creative ecology and IP ecology. Reading Group will comprehensively explore the AI application of audio, comics, animation, derivative and other development chains.

AIGC is considered as the "secret weapon" for Reading Group to change the commercialization dilemma. Hou Xiaonan said, "AI translation can reduce the translation cost to 1%. Our long-term goal is to realize the one-click access of domestic writers to the sea, and even realize the global synchronous update of web texts in the future, which will help us build a global IP, and AI will reshape the business model of the entire IP industry chain. "

The 2023 financial report shows that WebNovel, the overseas reading platform of Reading Group, provides about 3,800 Chinese translations and about 620,000 local original works to overseas users. In March, 2023, among the top 100 works in WebNovel bestseller list, 21 works were translated by AI.

In the long run, although AIGC will help the Reading Group to build a new IP upstream and downstream integrated ecosystem, it is still difficult to change the status quo of the Reading Group at this stage: on the one hand, there are multiple problems in the process of promoting the industrialization of large models, such as computing power constraints, uneven data quality, and difficulty in highly integrating with the industry; On the other hand, large-scale model products are also faced with the homogenization of content. At present, the homogenization of online content has become more serious. Under the AI-assisted creation, similar themes are proposed to set similar world views and characters, or the homogenization problem is aggravated.

03 bet on the 100 billion short play market

Short plays are setting off a new wave of gold diggers. Ai Media Consulting predicts that the short play market will exceed 50.4 billion yuan in 2024 and 100.6 billion yuan in 2027.

The reading group, which holds a large number of high-quality IP, obviously doesn’t want to miss this outlet. In October, 2023, Reading Group publicly issued a script solicitation order, marking its official entry into the online text industry; In December, at the opening ceremony of the 2nd Shanghai International Network Literature Week, Yuewen Group released the "Star River Incubation Plan for Short Plays", which included three major initiatives: 100 IP cultivation plans, 100 million creative funds and AIGC empowerment. According to the 2023 financial report, there are several short plays in the Reading Group that have exceeded 10 million.

Hou Xiaonan believes that the short drama market is growing very fast, which constitutes a "new consumption model". The reading IP has also been adapted into short dramas, and the IP suitable for short drama adaptation will be screened out later to create short drama explosions.

Reading Group is indeed the closest player to the short drama track: on the one hand, reading group is in the content production link and plays the role of copyright owner, and short drama companies can cooperate with it to purchase copyright and incubate IP; On the other hand, Yuewen Group has a large number of young users, accounting for more than half of the age range of 19-35. In terms of audience groups, Yuewen Group has inherent advantages.

However, at present, the short drama industry is facing increasingly strict supervision. Since the end of November 2022, the State Administration of Radio, Film and Television has organized a special rectification work for "small programs" network short dramas. In 2023, the State Administration of Radio, Film and Television also carried out related actions twice. Subsequently, three short video platforms, WeChat, Tik Tok and Aauto Quicker, banned a large number of accounts that illegally published short plays. While a large number of miniseries were removed from the shelves, the industry also ushered in a crossroads.

In addition, it is not easy for Yuewen Group to enter the short play business: on the one hand, the content homogenization of short plays is more serious, and many short plays are similar in content, theme and form, lacking innovation and characteristics; On the other hand, the single profit model is a big dilemma of short plays. Many short plays mainly rely on advertising revenue and fans’ rewards, but these revenues are often not enough to support the long-term operation of the business.

With the continuous development of the short drama market, more and more players will flood into this field. In the case of fierce competition, it will be an important challenge for Reading Group in 2024 to carry out short drama business legally and legally and launch high-quality short drama products.

　　The Press Center of the First Session of the 13th National People’s Congress held a press conference at 15: 00 on March 17th (Saturday) in the multi-function hall of Media Center, and invited Li Ganjie, Minister of Environmental Protection, to answer questions from Chinese and foreign journalists on "Fighting the tough battle against pollution". The picture shows Minister of Environmental Protection Li Ganjie answering a reporter’s question.

　　CCTV News:In recent years, topics about environmental governance, air pollution, and central environmental protection inspectors have been constantly discussed. On the morning of the 17th, the National People’s Congress deliberated and passed the institutional reform plan of the State Council, which clearly integrated all the responsibilities of the Ministry of Environmental Protection with those of six other departments to form a new Ministry of Ecology and Environment.

　　On these hot topics, the Press Center of the First Session of the 13th National People’s Congress held a press conference on the 17th, and Minister of Environmental Protection Li Ganjie responded to them one by one.

　　The Ministry of Ecology and Environment should realize "five connections"

　　Regarding the functions of the Ministry of Ecology and Environment, Li Ganjie said that there are "five ways to get through" to unify the original scattered responsibilities of pollution prevention and ecological protection: the first is to get through the ground and underground, the second is to get through the shore and the water, the third is to get through the land and the sea, the fourth is to get through the cities and the countryside, and the fifth is to get through the carbon monoxide and carbon dioxide, which is to unify the prevention and control of air pollution and the response to climate change. The new Ministry of Ecology and Environment not only retains the responsibilities of the Ministry of Environmental Protection, but also has great changes.

　　In the past five years, the central government has invested 63.3 billion yuan to control the atmosphere.

　　In the past five years, with the implementation of "Atmosphere Ten", China eliminated more than 200,000 small coal-fired boilers, and eliminated more than 20 million yellow-label cars and old cars. The central government spent more than 60 billion yuan on air pollution control, reaching 63.3 billion yuan.　

　　Li Ganjie said that although the implementation of "Atmosphere Ten" is really effective, the whole environmental protection work still has a long way to go, and it is still in a state of "depending on the weather". We also need to work harder on the basis of the past to pay close attention to implementation.

　　We are working hard to study and draft a three-year operational plan for defending the blue sky.

　　In order to control air pollution, Li Ganjie said that the three-year operational plan under study, called the three-year operational plan for defending the blue sky, is expected to come out soon. As for the target of PM2.5 concentration reduction in 2020, Li Ganjie said that some overall targets have been set in the original "Thirteenth Five-Year Plan" for ecological environmental protection, which will be roughly based on this, and further research will be carried out. Some targets will remain unchanged, and some targets may be appropriately improved.

　　Environmental protection inspectors are firmly opposed to ordinary inaction and chaos when the time comes.

　　In the process of four batches of inspectors, there has been a problem of "one size fits all" for enterprises in some places. Li Ganjie said, we are firmly opposed to the situation of doing nothing at ordinary times and doing things indiscriminately when the time comes. We should resolutely curb this trend.

　　Li Ganjie also said that the future work of the central environmental protection inspector will be carried out in four aspects. First, prepare for the first round of "looking back" of environmental protection inspectors; Second, combined with "looking back", carry out special supervision; Third, study and improve the relevant regulations and systems of central environmental protection inspectors; Fourth, strengthen the guidance and supervision of environmental protection inspectors at the provincial level.

[car home New Energy] The long-overdue Beijing Auto Show will finally meet with you. The 2020 Beijing Auto Show will coincide with the National Day Holiday for several days. I believe that friends who love cars will be excited at home. This year’s Beijing Auto Show, whether it is the heavyweight index of new cars or the enthusiasm of everyone, will definitely be different from the previous ones. Many small partners hold the new energy license index but don’t know what car to choose. They also take this opportunity to focus on new cars and provide some reference for buying vehicles. However, the nightmare of running a broken leg at the auto show every year still exists, so we sort out a guide to the exhibition and guide some new energy heavy new cars so that you won’t get lost in the exhibition.

● Heavy new energy vehicles in Hall E1: Pentium E01, (|)

Pavilion E1 is a collection of China brands, new car-making forces and luxury car brands. Although there are not many brand-new new energy vehicles, they all shoulder the heavy responsibility of "expanding the territory" of the brand, including E01 from FAW Pentium and Gaohe HiPhi X from new car-making forces.

○ Pentium E01: Virtual Character Voice Assistant and Its Rich Configuration

Pentium E01 is the first product of Pentium brand new energy E series, and it is also the pioneering work of Pentium’s impact on the electric vehicle market. The new car is positioned as a medium-sized pure electric SUV, which started blind ordering on August 12 and will be officially listed at the Beijing Auto Show.

Personally, I think the biggest highlight of the new car is the interior of the car, which is equipped with double 12.3-inch full LCD dashboard and multimedia screen. The center console is equipped with Pentium’s iconic virtual character voice assistant, and there are many cartoon images to choose from. This makes the interior of the new car full of technology. In terms of configuration, the A-pillar of the new car is equipped with an infrared camera, which can detect the driver’s condition in real time and trigger the corresponding functions. In addition, steep slope descent, ESC system, trunk opening and closing, car networking, voice interaction, car application function expansion and so on are also equipped.

In terms of power, Pentium E01 will be equipped with a motor with a maximum power of 190Ps and a maximum torque of 320 N m. The capacity of ternary lithium battery is 61.34kWh and the cruising range of NEDC is 450km. Judging from the static product strength, the performance of Pentium E01 is above the mainstream level, and many popular elements are added. The configuration is also rich and practical. The positioning of medium-sized SUV also meets the needs of family travel. As long as the price of Pentium E01 is right, it can still reap a wave of sales.

○ Gaohe HiPhi X: cool door opening methods such as opening doors and spreading wings.

The new car is located in a medium and large SUV. From the design of the exterior interior, the originality of the new car is high. The biggest highlight of the car comes from its all-electric NT flapping door system. The six doors of the whole car can be combined into door opening modes such as door opening in pairs and wing opening. It is reported that the car has completely abandoned the traditional mechanical lock cylinder and created a contactless door opening method through the body control computing platform. The interior of Gaohe HiPhi X is also unconventional. The seats in the car are asymmetrical, the second row of seats are relatively independent, and equipped with electric leg rests and handrails to ensure the comfort of riding. The second row and front row seats are equipped with functions such as seat memory, heating, ventilation and backrest massage.

In terms of power, the official acceleration of the new car at 0-100km/h is 3.9 seconds, the drag coefficient of the whole car reaches 0.27Cd, and the cruising range is 610km. As a new force to build a car in the late stage, Gaohe HiPhi X is really embarrassed to make a sound without a gimmick. The door opening+gull wing door, the highly electronic structure of the whole car and various black technology configurations make it quite topical, and many people think it is the prototype of future travel tools. However, having said that, whether the final consumer recognizes it is the most critical, and whether it can lead the new wave of electric vehicles, let us wait and see.

● Heavy new energy vehicles in Hall E2: Qoros Milestone concept car, Roewe RX5EPPlus.

There are many China brands in Hall E2, among which Qoros, which has not been heard for a long time, has brought the latest concept car Milestone, and SAIC Roewe will have RX5EPPlus.

○ Qoros Milestone concept car: brand-new model, brand-new departure

The concept car named Milestone means "milestone". At present, it is still in a mysterious state, but from the preview, the concept car has created a sense of the future of the mecha, and the door opening method is also a sliding design, which is full of ceremony.

A few years ago, Qoros also launched a new energy concept car, but so far no mass production products have been launched. Now the new energy market is in full swing. I believe that the first new energy car of Qoros will meet us soon. As for this concept car, it is more about carrying the latest technology and future vision of Guanzhi, and it also represents a brand-new departure for Guanzhi. I hope that this time it will be phoenix nirvana and fly high.

○ Roewe RX5EPPlus: Providing more choices for consumers

Roewe launched the Roewe RX5 PLUS plug-in hybrid vehicle during the Beijing Auto Show. Positioning a compact SUV, it has a good mass base, and naturally there is nothing to say about its value. The most important thing is that it is equipped with the latest zebra VENUS system, with AI intelligent voice assistant, car home interconnection, long video playback, Alipay applet, day/night mode, children’s smart bracelet interconnection and other functions, and the configuration level is high.

The powertrain of the new car is composed of a 1.5T four-cylinder engine+a permanent magnet synchronous motor and an EDU intelligent electric drive gearbox. The comprehensive power of this powertrain is about 305 HP (224kW), and the comprehensive peak torque of the system is 480 N m.. The new car battery pack has a capacity of 11.1kWh, and the official cruising range of pure electricity is 70km. The positioning of the new car is relatively clear, and it is prepared for the younger generation of trendsetters and new families of three or four. Its listing gives consumers more choices and enriches Roewe’s product matrix in this market segment.

● Heavy new energy vehicles in E3 Hall: Audi Q4 e-tron concept car, Hongqi E-HS9, Great Wall cannon EV, Toyota brand-new Mirai.

There are many heavy new cars in the E3 Pavilion, which is highly competitive, from the concept of compact pure electric SUV Audi Q4 e-tron to the red flag E-HS9 of large pure electric SUV, to the electric pickup truck Great Wall cannon EV, and even the new Mirai of Toyota, a hydrogen fuel cell model.

○ Audi Q4 e-tron concept car: "Big Brother" is finally going to shoot.

Audi can be said to be a heavy blow in the field of new energy this time. The Audi Q4 e-tron concept car and the Audi e-tron Sportback are the first domestic appearances, while the domestic Audi e-tron is the first time to meet the public.

Audi Q4 e-tron concept car is Audi’s first electric vehicle built on MEB platform, and its overall size is between Audi Q3 and Q5. At present, the concept car is full of futuristic electric design language, and it also combines Audi’s classic family-style design elements such as hexagonal grille and headlight shape.

In fact, in the luxury electric vehicle market, consumers don’t have many choices. Even if Audi e-tron and Mercedes-Benz EQC are listed, there are still only a handful. With the continuous development of new energy supporting industries, consumers’ acceptance has deepened, and the pure electric vehicle market has gradually entered a mature stage. Luxury brands such as Audi are ready to start to exert their strength and deepen this market segment. At that time, the speed and strength of new products are believed to be not too bad. It seems that the "big brother" is finally going to shoot.

○ Red Flag E-HS9: The configuration is luxurious and powerful.

Hongqi E-HS9 will be unveiled at this auto show. This new car is positioned in a large pure electric SUV with 460km and 510km cruising range (NEDC standard) versions. The car follows the product concept of "Chinese New Noble Exquisiteness" and the design philosophy of "Shang Zhi Yi" of Hongqi, and it has a solemn feeling of not being angry and arrogant. The logo of the red flag above the front of the new car is the crowning touch, indicating its identity.

The configuration part is also in line with the positioning of the car, and the details are decorated with elements such as leather, solid wood, chrome plating and piano paint, which enhances the visual layering and advanced feeling. In terms of seats, the new car provides 18-way electric adjustable seats, and the second row of seats can support universal, heating, massage and semi-lying functions. As a large-scale pure electric SUV, Hongqi E-HS9 has few rivals in the market. The 2.8-meter gas field and luxurious interior atmosphere create its powerful momentum, and the intelligent configuration makes it more in line with the current trend of intelligent vehicles. Slightly different from other models, this car is more used to emphasize the brand tone and set a benchmark. As for the price that is close to the people, it can be ranked second for the time being.

○ Great Wall Gun EV: Tesla Cybertruck can’t wait until we have our own electric pickup truck.

"2020 Great Wall Gun"

Great Wall pickup truck will also bring a new energy vehicle-Great Wall Gun EV at this Beijing Auto Show, further enriching the product camp of Great Wall Gun. This model is equipped with coaxial integrated electronic drive axle, with motor power of 150kW, torque of 300N·m and cruising range of 405km.

As far as China is concerned, the market of pure electric pickups is relatively small, but it still has the advantages of low energy consumption cost and simple after-sales, which is also the reason why foreign consumers are enthusiastic about electric pickups. It is reported that the Great Wall pickup truck will release the globalization strategy, which means that the Great Wall Gun EV may be exported to other countries, which will accelerate the globalization process of the Great Wall Gun and provide a stepping stone for achieving brand advancement.

○ Toyota’s new generation Mirai: Hydrogenation for two minutes, continuing "life" for 100 kilometers.

Toyota’s new generation Mirai will be officially unveiled at the 2020 Beijing Auto Show. As a hydrogen fuel cell vehicle owned by Toyota, the concept version of the second-generation Toyota Mirai was officially launched at the Tokyo Motor Show in 2019, and the official production version of the car was officially released in early 2020, so it is not excluded that the concept version of Toyota Mirai will officially meet the public at this Beijing Auto Show.

The overall body shape of the new generation Mirai has changed greatly. The chassis from Lexus GS makes its body more slender, and the long front engine compartment cover is in sharp contrast with the sliding back shape and roof, giving the new car a unique visual effect. In terms of power, the new car will be equipped with a hydrogen fuel cell power system, and the official said that it will have a cruising range of more than 600km.

Due to various reasons such as supporting facilities, the new generation Mirai will not be listed in China in the short term, but its convenient way of replenishing energy still points out the direction for us to develop other types of new energy products, and we can also learn from some experiences. I believe that there will be more and more hydrogen fuel cell models in China in the coming year.

● Heavy new energy vehicles in Hall E4: Weimar Maven concept car and BEIJING RADIANCE concept car.

The heavy new cars in Hall E4 are all concept cars and all are pure electric cars, namely Maven concept car from Weimar and RADIANCE concept car from BEIJING brand.

○ Weimar Maven concept car: a chariot from the future

Weimar Maven concept car is a concept car released by Yunyun in May this year, and it is also the first pure electric car under Weimar Automobile. The appearance of the new car adopts a very avant-garde design language, NEDC cruising range will reach 800km, and it has L4-level automatic driving capability and 5G interconnection technology.

This is also Weimar’s third mass production model. Since Weimar’s previous models are SUVs and Maven’s concept is a pure electric car, the new car will be built on a brand-new platform. Judging from the current preview, this model has both models and models, and its concept is avant-garde. At present, the only question is, when will it be mass-produced?

○BEIJING RADIANCE concept car: the flagship electric car under the BEIJING brand.

Seen from the displayed side, the BEIJING RADIANCE concept car has smooth lines, and a chrome-plated decorative strip extends from the A-pillar to the C-pillar, which is very high-grade. The official said that it will use the design method of "mostly beautiful" to create its internal and external modeling. In addition, it will also be equipped with an L4-class autopilot system, with a pure electric cruising range of 800km.

After the release of BEIJING brand last year, BEIJING brand intends to integrate resources and prepare for a heavy attack. RADIANCE concept car must be a part of its series of actions, and it is also a concentrated display of the brand’s technology and brand power. As for what it looks like, please go to the scene to see it again.

● Heavy new energy vehicles in Hall W1: Lantiu’s first mass production concept car and Honda’s brand-new electric concept car.

The heavy new energy vehicles in Hall W1 are all in the concept car stage. Lantu’s first mass-produced concept car is of great significance to its brand-new brand, while Honda’s brand-new electric concept car is the world’s first appearance, and it is also a pure electric vehicle specially built for the China market.

○ Lantiu’s first mass production concept car: fierce and domineering appearance.

Lantu brand was officially announced in July this year, and it is a brand-new new energy brand under Dongfeng Motor Group. Lantu brand has planned 9 models, covering many market segments such as SUV and MPV. The first model is planned to be put into production in 2021, and this concept car is the conceptual version of the first production model.

The first new car has a strong inclination, especially the shape of the front and the lines on the cabin cover, which looks more fierce and domineering as a whole. The car is positioned as a pure electric SUV, and the current competition in this market segment has become fierce. In 2021, the competition in this market will be more exciting. It is really unknown whether it can gain a foothold and make a good shot for the brand.

○ Honda’s brand-new electric concept car: the first Honda brand pure electric concept car to be launched in China market in the future.

Honda, who is also in the same exhibition hall, is also taking the drastic route. This auto show of Honda brought the first Honda brand pure electric concept car to be put into the China market in the future. Although many netizens of the retro and lovely Honda E shouted "Buy as soon as you enter", Honda told us this time with a brand-new concept car that I just want to take the usual road.

●W2 Hall heavy new energy vehicles: Nissan Ariya, Ford Mustang Mach-E,

There are also many new cars in Hall W2. Nissan Ariya, Ford Mustang Mach-E and Polestar Polar Star Precept concept car are all new cars of great significance to the brand.

○ Nissan Ariya: a masterpiece with many years of technology.

Nissan brought a pure electric crossover SUV, Nissan Ariya, at the Beijing Auto Show. This new car also made its debut in China. According to the plan, Ariya will be sold in the Japanese market in mid-2021, and will be sold in Europe, North America and China in late 2021.

Nissan’s electric vehicles also have a broad mass base, and reliable battery technology and product strength have always been the trump card of the brand. Ariya, a new car, has brought a brand-new design concept, a more fashionable design and intelligent configuration, which gives people a surprise. The technical precipitation of electric vehicles produced by Nissan for so many years will also be displayed on this car, which is equipped with e-4ORCE dual-motor four-wheel drive control technology and two batteries with different capacities. Nissan will also build a new electric kingdom with Ariya as the new cornerstone.

○ Ford Mustang Mach-E: Can the electric Mustang shock you?

Although Ford Mustang Mach-E has been listed in overseas markets, it has never appeared in China. This Beijing Auto Show is an opportunity to show it. After being electrified, Mustang is ambitious and has launched many versions. The top GT long-life all-wheel drive version has a maximum power of 465Ps, a maximum torque of 830N·m and a cruising range of 370-480km under EPA conditions.

Judging from the core data, Mach-E has strong strength, long endurance and good dynamic performance, and is a new choice for staying at home instead of walking and occasional outing. China is the largest new energy market in the world at present, and the introduction of Mach-E is certain, so would you choose such a car with style, style and face?

●WHeavy new energy vehicles in Hall 3: Nezha V/Eureka 03, Cadillac LYRIQ, Lexus LF-30 concept car and Polestar polar star Precept concept car.

There are many heavy new energy vehicles in W3 Hall, mainly focusing on the contest between the new car-making forces and traditional luxury brands. Nezha Automobile brought Nezha V and Eureka 03 concept cars, while Cadillac has LYRIQ, Lexus LF-30 concept cars and Polestar polar star Precept concept cars for the first time in China.

○ Nezha V/ Eureka 03: Two new cars in, covering a wide range of market segments.

Nezha V is the third mass-produced model of Nezha Automobile, with the length, width and height of 4070/1690/1540mm respectively and the wheelbase of 2420mm, which is positioned in a small SUV. In terms of configuration, Nezha V will be equipped with 13.3-inch suspended central control panel, in-vehicle vital signs monitoring system, lane departure warning, forward collision warning and other configurations, and its NEDC comprehensive working condition cruising range is 401 kilometers, which is also a new car with target walking volume.

In addition, the Nezha Eureka 03 concept car will also be unveiled at the Beijing Auto Show, positioned as a coupe, and its production version is expected to be officially unveiled in 2021. So far, Nezha Auto has completed the product layout in the market segments of mini-electric vehicles, small electric SUVs and compact electric SUVs, and with this car, the product coverage of the models is wider. In terms of the speed of new car launch, Nezha can be said to be very fast, and the scale effect may be exerted, and the advantage of product cost performance may be more prominent.

○ Cadillac LYRIQ: the first pure electric vehicle product, which is forward-looking.

General Motors released a number of important information about new energy sources this year, such as a brand-new platform and battery system, which also indicates that the electrification pace of its major brands will make great strides forward. Cadillac will also make its debut at the Beijing Auto Show. The car was born on a pure electric platform and will be put into mass production in 2022.

At present, Cadillac has no mass-produced pure electric products. LYRIQ, as the "vanguard" of the brand attacking the pure electric market, has been placed great expectations. This can also be seen from the appearance, interior design and material configuration, keeping up with the trend of the times while retaining brand elements. It’s just that the production model will wait until after 2022, and interested friends need to wait patiently.

○ Lexus LF-30 Concept Car: Soldiers from the Future

Different from Cadillac LYRIQ, the concept car of Lexus is full of the feeling of the future cockpit. This time, the concept car of Lexus LF-30 is also unveiled in China for the first time. The "30" in the car name represents the 30th anniversary of the brand’s establishment. The exaggerated and sci-fi design is amazing. The internal cockpit is based on the concept of "Tazuna", and the steering wheel control button cooperates with the head-up display to realize simple and intuitive operation.

In terms of power, the new car adopts pure electric power system, which is driven by independent motors on wheels. The maximum power of the system is 400kW(544 HP), the peak torque is 700 Nm, and the 0-100km/h acceleration time is only 3.8 seconds. The design of this future-oriented concept car shows us that it is unlikely to be mass-produced, but this does not prevent us from enjoying it. If Lexus models are so sharp in the future, it will be an exciting thing.

○Polestar Polar Star Precept concept car: luxurious, restrained and classy.

At the 2020 Beijing Auto Show, Precept, a concept car owned by Polestar Polar Star, was officially unveiled. The car was also released on the online cloud. Although it is a concept car, it does not have many unconstrained designs, showing a very "restrained" design concept. If we can sum up this concept car in a few words, I think it should be cold, advanced and environmentally friendly.

As a brand-new brand, Polestar Polar Star has a relatively small popularity compared with traditional car companies, but it has not enough traffic impact compared with the new car-making forces. Although there are already two models on sale at present, the volume of sound on the consumer side is still a little small. In this era when the fragrance of wine is afraid of the depth of the alley, how to do a good job in marketing and successfully get out of the circle is the proposition of Polestar Polar Star in the future.

●W4 Hall’s heavy new energy vehicles: Volkswagen ID.4, LinkZERO CONCEPT

The new energy vehicles in the W4 Hall are all expected, and Volkswagen ID.4 ushered in the first launch, the first electric vehicle of the Lexus brand.LingkeZERO CONCEPT will also face the audience for the first time.

○ Volkswagen ID.4: The long-awaited new car, the world premiere.

Volkswagen ID series models will be launched one after another this year, and ID.4, which locates a compact pure electric SUV, will make its world debut at the Beijing Auto Show, and this model will also be mass-produced in SAIC Volkswagen/FAW-Volkswagen. It is reported that the new car will have two power versions, with a cruising range of 500 kilometers under the European WLTP test standard.

Although domestic SAIC-Volkswagen/FAW-Volkswagen have electric vehicle products for sale, none of them really started from electric vehicles and were born on pure electric platforms from the beginning of research and development, so ID.4 was placed with high hopes. The design of cross-border coupe SUV and the blessing of Volkswagen MEB platform make this new car attract great attention before it is listed, and the domestic ID.4 can also maintain a certain competitive advantage. Volkswagen estimates that it wants to focus on this car and make efforts in the electric vehicle market in the next few years.

○ LingkeZERO CONCEPT: the first electric car, young sports are about to tide.

When all major brands have launched electric vehicles, Lectra naturally cannot lag behind. During this Beijing Auto Show, Lectra’s first pure electric vehicle, ZERO CONCEPT, will be officially unveiled. Based on the brand-new SEA vast architecture, the car is positioned in a medium-sized car with a wheelbase of 2999mm and a cruising range of NEDC over 700km. The new car will be officially launched in 2021.

This new car will be the model that Lectra sets the benchmark for brand electric vehicles, and still continues Lectra’s family-oriented design style, iconic split headlights, slip-back design, sporty design elements and so on. In terms of trend and youthfulness, the Lexus brand has been doing well. It seems that Lexus wants to extend its advantages in this respect to electric vehicles, and consumers who are pursuing sports and fashion trends can pay attention to this model.

Full text summary:

As can be seen from this strategy, there are quite a few new energy vehicles at the Beijing Auto Show, and some characteristics are presented: all brands are actively promoting pure electric vehicles, and electrification transformation is imperative. The concept car representing the future design concept is not too unconstrained, and it is more a new car oriented to market sales. From the consumer’s point of view, these changes are all positive, with less gimmicks and more real new cars, which also shows that the new energy market, even the pure electric vehicle market, is becoming more and more mature and the competition is becoming more and more fierce. Who will become the new hegemon in the next decade is unknown. (Text/Figure car home Jiang Tianshuang)

　　Safe and auspicious.

　　In midsummer, Anji Yucun has green mountains and blue waters.

　　"Lucid waters and lush mountains are invaluable assets", at the entrance of the village, stands on the high stone tablet, and 10 red characters are still striking, welcoming visitors from all directions.

　　Visiting Yucun again, among the green mountains and green rivers, the scene 18 years ago is vivid.

　　"We used to talk about both green mountains and green hills and Jinshan Yinshan. In fact, Lucid waters and lush mountains are invaluable assets."

　　As an accompanying reporter of the then Supreme Leader of the Provincial Party Committee, I followed the Supreme Leader to Yucun for investigation, and had the honor to listen to the elaboration of the concept of "Lucid waters and lush mountains are invaluable assets".

　　A grass-roots investigation, which is the theme of democracy and the rule of law, has become a milestone in China’s ecological civilization and economic and social construction, and Zhejiang’s ecological civilization construction has also opened a new chapter from Yucun.

　　Eighteen years later, in August, along the clear Yucun River, Lotus Mountain drifted and laughed all over the valley, and tourists from farmhouses and homestays were crowded. The originally lazy summer was lined with vitality.

　　Scenes are the most vivid interpretation of the concept of "Lucid waters and lush mountains are invaluable assets" in rural practice.

　　one

　　The years have passed. Green is stirring the surging power of Zhijiang’s ecological civilization. Looking back, August 15th, 2005, is destined to go down in history.

　　Walking into the former site of the village committee, on the west side of the second floor, there is a simple conference room of about ten square meters, with a round table and wooden chairs for ten people in the center, and a row of open steel folding chairs on each side, which still retains the appearance of 18 years ago.

　　The hourglass of memory is like the tide gushing out instantly — —

　　That afternoon, Yucun, at the crossroads of transformation, welcomed the supreme leader comrade.

　　In the narrow conference room, the supreme leader comrades sat down and talked with everyone.

　　"The grassroots comrades in the village and town will talk first and speak freely, and the comrades in the county can supplement them." The supreme leader comrade forgot to wipe the sweat, so Bao Xinmin, then secretary of the Party branch of Yucun, spoke first.

　　Bao Xinmin didn’t expect the secretary of the provincial party committee to be so easy-going, and his tense nerves immediately relaxed. He began to introduce the construction of democracy and the rule of law in Yucun and report on the economic development of Yucun.

　　"The village has just closed the mine and cement plant and started to re-green and re-cultivate." When Bao Xinmin said this, the Supreme Leader immediately asked with concern: "What will the villagers’ income depend on in the future?"

　　The high wind of economic development has blown this land, and it has also raised a lot of smoke and dust. Once Yucun, how rich it was, how painful it was.

　　Since the 1970s and 1980s, Yucun people have been mining, quarrying and running cement plants, but their pockets are bulging, but the air is poor, the bamboo forest is yellow and the bamboo shoots are small. The villagers are afraid to open the window, have nowhere to dry their clothes, and even worry that their family members who go out to mine may never come back … …

　　"In the past year, the village collective economic income of several million yuan was only 200,000 yuan, and the villagers had nowhere to work." Bao Xinmin’s voice is a little low, and he seems a little embarrassed. "We are also trying to find a way. Several families in the village have also run farmhouses, and their income is not bad. It seems that in the future, they will rely on eco-tourism and farmhouses to eat green hills."

　　"This is a brilliant move." Hearing this, the supreme leader comrade said.

　　"Since to ‘ Ecological county ’ Always do something and don’t do something, not everything. Don’t promote economic growth at the expense of the environment, because such growth is not development. On the other hand, in order to leave the best and most precious things for us, we have to do something, or even sacrifice some growth rates, that is, we have to give up some high-energy industries that seriously pollute the environment … … Be sure not to think about taking the old road and being obsessed with the development model of the past. " The supreme leader comrade impromptu said these words to the comrades present, "Lucid waters and lush mountains are invaluable assets. In the past, we talked about both green mountains and green hills and Jinshan Yinshan. In fact, Lucid waters and lush mountains are invaluable assets. "

　　Lucid waters and lush mountains are invaluable assets! Refreshing and philosophical.

　　This statement, which I wrote in the interview book, was even remembered in my heart, and it also profoundly influenced the development of Zhejiang and even China.

　　"Don’t take the environment as the cost" is the historical responsibility of "the country is the biggest" and is also a profound reflection on the law of economic and social development.

　　Nine days later, the supreme leader comrade published the article "Green Mountains and Green Mountains are also Jinshan Yinshan" in the column of "Zhijiang Xinyu" in Zhejiang Daily, pointing out that "if these ecological environment advantages can be transformed into eco-economic advantages such as eco-agriculture, eco-industry and eco-tourism, then green mountains and green mountains will become Jinshan Yinshan".

　　In March 2006, the Supreme Leader wrote an article in the column "Zhijiang Xinyu", explaining the three stages of people’s understanding of the relationship between green mountains and green hills and Jinshan Yinshan: the first stage is to exchange green mountains and green hills for Jinshan Yinshan; The second stage is to have Jinshan Yinshan, but also to keep the green mountains and green hills; The third stage is to realize that green mountains and green hills can bring Jinshan Yinshan continuously, and green mountains and green hills themselves are Jinshan Yinshan.

　　What kind of development path should we take? What kind of development do you pursue?

　　Economic development and environmental protection are unified, and ecological advantages are transformed into economic advantages. Explanations in simple terms explain the truth and point out the direction again and again.

　　two

　　For the present, for the eternal.

　　No great idea is born out of thin air, let alone out of thin air.

　　The concept of "Lucid waters and lush mountains are invaluable assets" was formally put forward in Anji, which embodies the painstaking efforts of the supreme leader comrades in extensive and in-depth investigation and research, is based on the profound understanding of the situation in Zhejiang Province and the thoughtful ideological achievements, and is full of the ideological glory of materialist dialectics.

　　In the 21st century, with the rapid development of reform and opening up, Zhejiang’s total economic output has leapt to the forefront of the country, but the environmental pressure brought by extensive development cannot be ignored.

　　How does ecological advantage become economic advantage?

　　In October, 2002, soon after the Supreme Leader arrived in Zhejiang, he started intensive research and began to plan the construction of an ecological province.

　　I still remember that he arranged research every week. Just over two months after he took office, he visited all 11 prefecture-level cities in Zhejiang Province, and in the following year, his footprint spread all over 90 counties (cities, districts) in the province.

　　One mountain, one water, one branch and one leaf, I am worried about my heart and I am here. Set out against the morning sun, return home in the night, and seek the "source of living water" with insight.

　　As early as November 25, 2002, the supreme leader comrade said in the investigation of Lishui Jingning: "‘ Lishui ’ The original meaning of "green hills and beautiful scenery" means that your ecological advantage is obvious. This advantage must be protected. Don’t exchange some economic benefits at the expense of the environment, otherwise you will definitely regret it. "

　　More than a month later, in Quzhou, a mountainous city, the supreme leader earnestly exhorted that "Quzhou has ecological advantages and advantages of traditional agricultural products" and "we should adhere to the green orientation and develop ecological agriculture".

　　Grass-roots investigation and in-depth study again and again are deeply concerned about the people’s beautiful living environment and attach great importance to the ecological environment and strategic foresight.

　　Ecological prosperity leads to civilized prosperity, while ecological decline leads to civilized decline.

　　From the "Eighth Five-Year Strategy", it is put forward that "Zhejiang should further develop its ecological advantages, create an ecological province, and build a ‘ Green Zhejiang ’ " As mentioned in the column "Zhijiang Xinyu" entitled "Achieving a win-win situation for economic development and ecological construction", the construction of an ecological province is to pursue the harmonious coexistence between man and nature, that is, to achieve a win-win situation for economic development and ecological construction … …

　　According to the blueprint for the construction of an ecological province drawn by the supreme leader, Zhejiang took the lead in opening the Chinese-style modern provincial practice of harmonious coexistence between man and nature, and took the lead in exploring a green and high-quality development path.

　　"Yucun’s achievements now prove that the path of green development is correct, and we must stick to it if we choose the right path." After a lapse of 15 years, on March 30, 2020, General Secretary of the Supreme Leader said emotionally when he revisited Yucun.

　　The sky is drizzling and the village is covered with green. Along the greenway, the appearance of the village in front of us made the Supreme Leader General Secretary sigh with emotion, "This time it is completely different. The construction of beautiful countryside in Yucun has become a reality … …”

　　This is a green answer sheet that practices the concept of "Lucid waters and lush mountains are invaluable assets", and it is also a happy answer sheet written into people’s hearts.

　　In the past 18 years, five village party secretaries in Yucun have been working one after another, striding forward according to the road guided by the concept of "Lucid waters and lush mountains are invaluable assets".

　　"At that time, I was fortunate enough to participate in the discussion and sat in the back row." Pan Wenge, who later served as secretary of the Party branch of Yucun, was a member of the "two committees" of the village. While recalling the visit of the Supreme Leader to Yucun on August 15th, 2005, he looked through his diary.

　　On that day, Pan Wenge recorded three pages in his diary. It can be said that this diary also witnessed the whole process of putting forward the concept of "Lucid waters and lush mountains are invaluable assets". "Yucun in transition feels unprecedented ‘ The pain of cutting the skin ’ But the words of the supreme leader comrade made us suddenly enlightened and changed the fate of Yucun! " Pan Wenge said.

　　Time flies, mountains and rivers take on a new look. In the past, Yucun "the mountain was bald and the water became soy sauce soup", but now "people walking in Yucun are Traveling in a pictorial world".

　　Wang Yucheng, the current party branch secretary of Yucun, is a native of Yucun. He was less than 20 years old after 1985, but "Lucid waters and lush mountains are invaluable assets" took root in his heart very early.

　　"In the past 18 years, in accordance with the direction of the General Secretary, we have unswervingly changed the mountain to eat mountains." Wang Yucheng said that the village set up a "two mountains" tourism company, built a mine ruins park, and read the "Mountain Word Classic". In 2022, the collective economic income of Yucun Village reached 13.05 million yuan, and the per capita income of villagers reached 64,863 yuan.

　　The concept of "Lucid waters and lush mountains are invaluable assets" conforms to the people’s expectations for a better life, and bears the deep feelings of "all for the people".

　　three

　　The long river of history flows endlessly, and the great power of thought leads the voyage.

　　Make green mountains and green hills more beautiful and Jinshan Yinshan bigger! Earnestly entrust, into firm action, one after another "village" in the butterfly.

　　People live up to the castle peak, and the castle peak will live up to people.

　　Ecological beauty, strong economy and rich people! A modern version of "Fuchun Shan Jutu" is slowly unfolding in the land of Zhejiang — —

　　By the end of 2022, the coverage rate of beautiful countryside in Zhejiang has reached 93%, and 42 national demonstration zones for ecological civilization construction and 12 "Lucid waters and lush mountains are invaluable assets" practice and innovation bases have been established, ranking first in the country. There are 36 county-level two-mountain cooperatives, with 111 development projects, which have led to over 1,000 village collectives, and the cumulative income of village collectives has exceeded 500 million yuan; The public satisfaction of the ecological environment in the province has been improved for 11 consecutive years, achieving two "national firsts" … …

　　Where does the happiness of ordinary people come from?

　　As an important birthplace of the supreme leader’s ecological civilization thought, the birthplace of the concept of "Lucid waters and lush mountains are invaluable assets" and the first place to practice, Zhejiang answered with practice: the environment is people’s livelihood, the green hills are beautiful, and the blue sky is also happy.

　　This road, Zhejiang people are more and more determined. Green water and green hills have become the happy backers of the people, and green has become the most moving color of Zhejiang’s development.

　　I remember that in 2020, at the National People’s Congress and the National People’s Congress, the Zhejiang delegation submitted the "Proposal on Establishing the National Ecological Civilization Day on August 15th" to the National People’s Congress for the first time in the name of the delegation. As a reporter accompanying the Zhejiang delegation, I personally witnessed and first reported this moment.

　　In June this year, the Third Session of the 14th the National People’s Congress Standing Committee (NPCSC) voted to designate August 15th as the National Ecological Day. Since then, the construction of beautiful China has a stronger guarantee of the rule of law.

　　Green water and green mountains reflect the light of thought and respond to the questions of the times.

　　In July this year, at the National Eco-environmental Protection Conference, General Secretary of the Supreme Leader once again emphasized the concept of "two mountains": "Firmly establish and practice the concept of Lucid waters and lush mountains are invaluable assets, and put the construction of beautiful China in a prominent position in the construction of a strong country and national rejuvenation … …”

　　From the construction of Zhejiang Eco-province to the construction of beautiful China, thoughts cross the times and illuminate the way forward.

　　The concept of "Lucid waters and lush mountains are invaluable assets" has led profound changes in the vast land of China; The supreme leader’s thought of ecological civilization is deeply rooted in people’s hearts, which has laid a solid ecological foundation for Chinese modernization and contributed to the global ecological civilization construction.

　　The rivers are surging and the mountains are green. From the coast of the East China Sea to the banks of the Qianjiang River, from the bustling city to beautiful countryside, a new modern chapter of harmonious coexistence between man and nature continues wonderfully in Zhejiang and China. (Zhou Weinan)

　　BEIJING, Feb. 15 (Xinhua)-Liang Tao, vice chairman of China Banking and Insurance Regulatory Commission, said on the 15th that China Banking and Insurance Regulatory Commission will increase its support for small and micro private enterprises in trouble. Focusing on the overall requirements of increment, expansion, price reduction and quality improvement, we will ensure that the overall credit growth of small and micro enterprises is not affected by the epidemic.

　　Data Map: Bank of China Insurance Regulatory Commission. China News Service reporter Jia Tianyong photo

　　The State Council held a press conference on the morning of 15th to deal with the joint prevention and control mechanism of pneumonia in novel coronavirus. A reporter asked: What policies or measures are there to support the enterprises that are greatly affected by the epidemic? What support measures are there for enterprises in non-key areas of epidemic prevention and control?

　　Liang Tao responded that since the outbreak of the epidemic, banking institutions have provided differentiated, targeted and preferential financial services to areas, industries and enterprises greatly affected by the epidemic, and given strong support through credit restructuring and reduction of overdue interest according to specific conditions, instead of blindly lending, cutting off loans and pressing loans. Many banks have introduced policies to reduce loan interest and waive relevant fees, especially to give great support to key enterprises in epidemic prevention and control. Recently, China Banking and Insurance Regulatory Commission has carried out serious research on the impact of the epidemic, and has also made good policy reserves. Some new measures will be introduced in the near future, not only for key industries affected by the epidemic, but also for various enterprises in various industries.

　　Liang Tao said that the next step is to do a good job in four aspects.

　　First, increase support for small and micro private enterprises trapped. The first is to focus on the overall requirements of increment, expansion, price reduction and quality improvement to ensure that the overall credit growth of small and micro enterprises is not affected by the epidemic. The second is to strive for the comprehensive financing cost of loans for inclusive small and micro enterprises this year to continue to decline on the basis of 2019. The third is to focus on the changes in financing needs of small and micro enterprises to cope with the epidemic and rationally optimize and simplify business processes. The fourth is to renew the loan more accurately. Everyone is more concerned about renewing loans and alleviating the liquidity pressure of trapped small and micro enterprises. Fifth, according to the needs of the epidemic, we should further implement the relevant systems of risk management and due diligence and exemption, and improve the enthusiasm of grassroots for lending. This issue is very important, and it will push the head office of the bank to moderately increase the tolerance of non-performing loans for branches seriously affected by the epidemic.

　　The second is to increase the credit guarantee and investment for the resumption of work and production in key areas. Guide financial institutions to further increase credit support for enterprises to resume work and production, further increase the proportion of enterprise credit loans and medium and long-term loans, and keep financing costs at a reasonable level. We will reasonably increase the loan support of working capital for the capital demand of purchasing raw materials and equipment that enterprises may face when they resume work and production. It is necessary to guide institutions to play the baton of performance appraisal, consider incorporating the support for the resumption of production in key areas such as manufacturing, small and micro enterprises and private enterprises into the evaluation index system in an appropriate way, or rationally adjust the evaluation weight to stimulate the enthusiasm of grassroots outlets and front-line business personnel.

　　The third is to accelerate the construction of a number of key projects. First of all, we should give better play to the countercyclical adjustment function of policy finance, speed up the pace of credit supply, reasonably increase the scale of RMB loans and bonds issued by policy financial institutions in 2020, optimize the regional credit structure, focus on major projects in key areas, and speed up the credit supply for a number of major projects. Second, study and use the recovered special construction funds to support major areas such as manufacturing, increase the intensity of new investment projects, and actively supply funds for projects under construction.

　　Fourth, efforts should be made to stabilize residents’ consumption and accelerate the release of potential demand. Urge banking institutions to take the initiative to accept the financial needs of services such as wholesale and retail, accommodation and catering, cultural tourism, transportation and logistics that are seriously affected by the epidemic, develop exclusive credit products, promote the upgrading and expansion of service consumption, expand the consumption of physical goods, enhance the scalability and convenience of services, and accelerate the release of new consumption potential.

　　In response to a reporter’s question, Xuan Changneng, deputy director of the foreign exchange bureau, said that the current epidemic prevention and control has entered a critical stage. According to the decision-making and deployment of the CPC Central Committee and the State Council, the joint prevention and control mechanism of the State Council has put forward clear requirements for effectively strengthening scientific epidemic prevention and control and doing a good job of enterprises’ resumption of work and production in an orderly manner. The foreign exchange bureau system will do a good job with a high sense of responsibility and mission, and provide strong support for enterprises to resume work and production and restore social and economic order.

　　First, open up a "green channel" for foreign exchange business, and efficiently and conveniently serve enterprises to resume work and production. For the overstocked trade and investment activities affected by the epidemic, the import and export of key materials needed by enterprises in the process of resuming production, and various foreign exchange businesses involved in expanding the supply of key epidemic prevention materials production and circulation enterprises, the foreign exchange bureau will guide banks to handle special affairs and emergencies quickly, simplify the handling procedures, speed up the handling, support the resumption of trade and investment activities as soon as possible, and strengthen support for Hubei and key industries and enterprises.

　　Second, we will speed up the implementation of the 12 trade and investment facilitation measures adopted by the the State Council Standing Committee, including six cross-border trade facilitation measures, such as expanding the pilot of trade foreign exchange receipts and payments, simplifying the procedures of goods receipts and payments of small and micro cross-border e-commerce enterprises, and optimizing the reporting methods of goods foreign exchange business, as well as six cross-border investment and financing facilitation measures, such as expanding the pilot of capital account income payment, reforming the registration and management of foreign debts of enterprises, and canceling the limit on the number of foreign exchange accounts opened in capital accounts. From the actual effect, since the introduction of these facilitation measures, the time and labor costs for enterprises to handle related businesses have been greatly reduced, cross-border trade investment and financing have become more convenient, the business environment has been further optimized, and trade investment and the development of the real economy have benefited. In the next step, combined with the current epidemic situation and the actual needs of returning to work and production, we will continue to accelerate the implementation of 12 facilitation measures, and focus on doing a good job in industries and enterprises seriously affected by the epidemic, especially private enterprises and small and medium-sized enterprises.

　　Third, supported by technical means, it is convenient for small and medium-sized enterprises to invest and finance cross-border trade and foreign exchange settlement. On the one hand, strengthen the construction of cross-border financial blockchain service platform to alleviate the financing difficulties and expensive financing problems of SMEs. In March last year, the foreign exchange bureau began the pilot work of the cross-border financial blockchain service platform. As of February 3 this year, the pilot scope has been expanded to 22 provinces, autonomous regions and municipalities, and more than 170 corporate banks have joined independently. The platform has completed financing and lending of 15.9 billion US dollars, and there are nearly 2,500 service enterprises, of which SMEs account for 75%. Since the Spring Festival holiday, the platform has completed a total of 171 financing loans with more than 200 million US dollars and 87 service enterprises. In particular, Hubei was included in the pilot platform in January this year, and foreign-related enterprises, especially small and medium-sized enterprises, under Hubei’s jurisdiction will also enjoy more preferential and convenient conditions in terms of financial and credit support such as export trade financing. On the other hand, we will continue to simplify the procedures of goods trade receipts and payments of small and micro cross-border e-commerce enterprises, further facilitate cross-border electronic commerce settlement, guide banks and payment institutions to provide electronic payment services under current account for market entities based on transaction electronic information, further facilitate cross-border e-commerce trade settlement of small and medium-sized enterprises, and improve the efficiency of fund settlement of small and medium-sized enterprises.

　　The fourth is to optimize foreign exchange business and handle convenience measures. The operation process of "Online Handling System for Government Affairs Services of the State Administration of Foreign Exchange" was issued to facilitate the public to handle foreign exchange administrative licensing through online channels.

January 7th, IT House News bilibili officially announced the list of top 100 UPs of BILIBILI POWER UP 2019 today. From the three dimensions of creativity, influence and word of mouth, 100 UP owners with outstanding performance in the past year were selected.

It is reported that there are many newcomers, such as "Hello teacher, my name is He", "Next to Zhe Bie", "Brother Daxiang is here" and "zettaranc". Bilibili will hold the 2019 UP Award Ceremony on January 18th at Shanghai Oriental Sports Center.

Which UP owners have you paid attention to?

　　● In order to protect the legitimate rights and interests of financial consumers, standardize the behavior of financial institutions in providing financial products and services, maintain a fair and just market environment, and promote the healthy and stable operation of financial markets, the central bank recently issued the "Implementation Measures for the Protection of Financial Consumers’ Rights and Interests of the People’s Bank of China (Draft for Comment)", which is open to the public for comments.

　　● With the rapid development of the financial industry, especially the Internet finance, ordinary people borrow in a wider range and in more ways, which gradually exposes some problems existing in the debt collection industry.

　　● To standardize the debt collection industry, it is necessary to establish unified norms and requirements for the qualification, collection process and follow-up evaluation of collection agencies, and at the same time draw a red line and clarify the punishment measures. In addition to further improving relevant systems, we should also form an all-round regulatory framework, including defining regulatory agencies and regulatory rules.

　　Our reporter Du Xiao

　　Intern of our newspaper, Yang Meijie

　　In order to protect the legitimate rights and interests of financial consumers, standardize the behavior of financial institutions in providing financial products and services, maintain a fair and just market environment, and promote the healthy and stable operation of financial markets, the central bank recently issued the Implementation Measures of the People’s Bank of China for the Protection of Financial Consumers’ Rights and Interests (Draft for Comment) (hereinafter referred to as the Draft for Comment), which is open to the public for comments, and the deadline for feedback is January 25th.

　　The "Draft for Comment" intends to stipulate that financial institutions shall not collect debts from financial consumers in a way that violates laws and regulations, social ethics or harms the public interests, and shall not harm the legitimate rights and interests of financial consumers or third parties. Where a financial institution entrusts a third party to recover debts, it shall explicitly prohibit the trustee from using the recovery method mentioned in the preceding paragraph in a written agreement, and supervise the trustee’s collection behavior.

　　In recent years, with the development of social economy, the consumer credit market has also expanded rapidly, and the subsequent problem of third-party debt recovery has increasingly attracted social attention. In this regard, the "Legal Daily" reporter interviewed.

　　There are many problems in debt collection.

　　Violent collection is suspected of breaking the law

　　Recently, some users complained on the consumer service platform of a well-known website that a bank’s credit card was harassed by third-party collectors after it was overdue. On the same day, two people who claimed to be authorized by a bank went to the door to collect money directly and made a loud noise in the corridor of the community. After the user refused to open the door, one of them held up a video of his mobile phone, saying that the user refused peace talks and had a bad attitude.

　　The user thinks that he owes money to the bank, and the bank has not told him to authorize a third party to collect money, let alone what power the bank has to authorize?

　　The "Legal Daily" reporter noted that this situation is not a case. Some users complained that a loan company said, "I am constantly harassed and collected by phone" and "I give my personal privacy information to other collection companies". "App is a overlord clause, and I don’t agree to read the address book or personal privacy information and don’t allow it to be used".

　　Some users complained about a large-scale online platform consumer loan, saying: "I borrowed money in installments on a certain platform, and the repayment amount in this period was 4,114.89 yuan, which was three days overdue because my salary was not paid in time. Many times, I negotiated with a certain platform that the repayment plan was fruitless. I directly asked for a collection and added me to WeChat, threatening me to violently collect it. "

　　According to the statistics of payment business released by the central bank, as of the end of the third quarter of 2019, the total amount of bank card credit nationwide was 16.99 trillion yuan, an increase of 4.11% from the previous month; The total outstanding credit of credit cards overdue for half a year was 91.916 billion yuan, accounting for 1.24% of the credit balance of credit cards, accounting for an increase of 0.08 percentage points compared with the end of last quarter.

　　Yin Zhentao, deputy director of the Law and Finance Research Office of the Institute of Finance of China Academy of Social Sciences, believes that with the rapid development of the financial industry, especially internet finance, ordinary people borrow more and more ways, which gradually exposes some problems in the debt collection industry.

　　The reporter of "Legal Daily" searched a large credit inquiry website with "collection" as the key word and found that many companies provide this service. At the same time, the problem of violent collection has attracted increasing social attention.

　　On October 21, 2019, 51 credit cards, a Hong Kong-listed company, were raided by the police at their office in Hangzhou. In the evening, the Hangzhou police issued a notice saying that the reason why the 51 credit card was raided was that the outsourcing collection company entrusted by it pretended to be a state organ and used soft and violent means such as intimidation and harassment to collect debts, which was suspected of causing trouble.

　　The founder of 51 Credit Card made a voice on the personal Weibo and apologized, saying that "because of our imperfect management, especially the lack of training and supervision of cooperative companies, there were some excessive behaviors in the process of contacting and communicating with borrowers".

　　Judging from the related cases uncovered in recent years, the impact of violent collection is very bad.

　　On March 28, 2019, Haikou Intermediate People’s Court held a public hearing in accordance with the law to hear 18 cases involving Zhao Jianhao and others. It is understood that the main members of the organization are stable, with a clear division of labor and distinct levels. Under the cover of setting up a small loan company, loans are used to support the black, and loans are protected by the black. Through the mode of "routine loans" and "underground law enforcement teams", illegal loans, violent collection and employment are used to help others collect execution accounts, and many criminal activities such as robbery, extortion and trouble-making are organized, involving 247 million yuan.

　　In July 2019, the police in Fuzhou, Jiangxi Province cracked a new type of black-related and evil-related case that threatened by sending wreaths and urns, thus achieving dunning and defrauding money. On July 4, Mr. Li, a citizen of Taicang City, Jiangsu Province, received a strange phone call saying that he would send a wreath and an urn to his home. Mr. Li, who had used online loans, immediately reported the case to the police. After investigation by the local police, it was found that the borrower was He Mou, a native of Linchuan, Fuzhou. On July 18, the police of the Criminal Investigation Brigade of Linchuan Branch of Fuzhou Public Security Bureau arrested the people involved by arranging.

　　In the interview, Professor Liu Shaojun, director of the Financial Law Research Center of China University of Political Science and Law, believes that the existence of illegal lending institutions is one of the reasons for the debt collection industry problems.

　　Lack of collection industry norms

　　In a state of gray survival

　　The Draft for Comment intends to stipulate that financial institutions should establish and improve the whole process control mechanism involving the protection of financial consumers’ rights and interests, and ensure the effective implementation of the relevant provisions and requirements of the protection of financial consumers’ rights and interests in all business links such as the design and development, marketing promotion and after-sales management of financial products and services.

　　"Illegal lending institutions clearly know that borrowers have no repayment ability, but also lend, the purpose is to plunder the borrower’s property, which belongs to predatory lending. It can be said that most illegal lending institutions have adopted such a form of" routing loan ". There are also some small loan companies, the lending process is not strict, as newly established financial institutions, risk management is not in place, which leads to a higher non-performing loan rate. Such financial institutions have a strong collection of loans, and sometimes they will take some unconventional measures, which is also a reason for the violent debt collection. " Liu Shaojun said.

　　In addition to the lenders, Liu Shaojun believes that some borrowers’ underestimation of loan risks and eventual inability to repay are also important reasons for violent debt collection.

　　"As far as corporate loans are concerned, some corporate borrowers blindly develop and expand. As long as financial institutions lend them money, they dare to borrow as much as possible. As business operators, they should predict the future risks, but many business operators have obvious defects in this respect. For some ordinary borrowers, the risk of borrowing is also underestimated. For example, some young people, no matter how many loans they make at will, do not consider their repayment ability, which may also cause more serious problems. " Liu Shaojun said.

　　Liu Shaojun told the reporter of the Legal Daily that there are still some people who exploit the loopholes in the social credit system, such as deliberate evasion of debts, which has led to an abnormal development track of the debt collection industry for various reasons.

　　Yin Zhentao believes that the core problem of debt collection industry is the lack of clear rules. The problem of collection is indeed inevitable in the development of the financial industry, which is closely related to social stability and the rule of law. Without clear rules, the debt collection industry is not easy to get on the right track. "The existing standards or norms for debt collection are not very systematic and lack more authoritative provisions."

　　"From a legal point of view, there are no specific provisions for debt collection at present. It can only be said that there are some scattered and emergency provisions in criminal law and civil law, and there are no systematic provisions. For a long time in the past, debt collection was in a state of gray survival, and basically no one recognized it as an industry. Only when the collection behavior constitutes a crime will it be regulated and punished. If the collection behavior does not constitute a crime, it can be said that it is in a blind spot of supervision. " Liu Shaojun said.

　　Improve the system and strengthen supervision.

　　Promote the benign development of the industry

　　Before the release of the "Draft for Comment", the relevant departments have repeatedly issued relevant regulations to vigorously regulate the debt collection industry.

　　As early as 2009, the former China Banking Regulatory Commission issued the Notice on Further Regulating Credit Card Business, which stipulated that banking financial institutions should prudently implement outsourcing of collection. Banking financial institutions that implement the outsourcing of collection should establish corresponding business management systems, and specify the selection criteria, business training, legal responsibilities and economic responsibilities of the collection outsourcing institutions. The selected collection outsourcing institutions should be reviewed and approved by the senior management of the domestic headquarters of the institution, and a collection outsourcing contract with perfect management and clear responsibilities should be signed, and the commission should not be paid simply by way of royalty from the amount recovered from arrears.

　　At the same time, it is stipulated that banking financial institutions should continue to pay attention to the financial status, personnel management, business processes, work conditions and complaints of the collection outsourcing institutions, so as to ensure that the collection outsourcing institutions carry out relevant business in accordance with the management requirements of their own institutions. If the collection outsourcing agency damages the legitimate rights and interests of debtors or other relevant personnel due to poor management of collection outsourcing, banking financial institutions shall bear the corresponding outsourcing risk management responsibilities. The regulatory authorities will investigate the responsibilities of relevant banking financial institutions and personnel according to the situation, and take prudent regulatory measures such as ordering rectification within a time limit, restricting, suspending or stopping their new credit card issuance business, and implementing other corresponding administrative penalties according to the severity.

　　In 2017, the Office of the Leading Group for the Special Remediation of Internet Financial Risks and P2P Online Loan Risks issued the Notice on Standardizing and Rectifying the "Cash Loan" Business, requiring all kinds of institutions or entrusted third-party institutions not to collect loans through violence, intimidation, insult, defamation and harassment.

　　In October 2019, the Supreme People’s Court, the Supreme People’s Procuratorate, the Ministry of Public Security and the Ministry of Justice jointly issued the Opinions on Several Issues Concerning Handling Criminal Cases of Illegal Lending, which stipulated that in order to forcibly demand debts arising from illegal lending, intentional homicide, intentional injury, illegal detention, intentional destruction of property, and trouble-making should be punished for several crimes. Assembling, instigating, and hiring others to demand debts by means of harassment, entanglement, hubbub, and gathering people to create momentum, which does not constitute a crime alone, but the implementation of illegal lending has constituted the crime of illegal business operation, it shall be given a heavier punishment as appropriate in accordance with the provisions of the crime of illegal business operation.

　　Liu Shaojun believes that to promote the benign development of the debt collection industry, we must first recognize the existence of the debt collection industry and supervise and standardize it. With the development of social economy, the volume of debt collection will be relatively large, and there will be more business, which is actually an existing industry. The "Draft for Comment" issued this time has obvious positive significance for regulating the debt collection industry. In the future, it is necessary to further establish and improve the industry norms for debt collection.

　　Yin Zhentao believes that to standardize the debt collection industry, it is necessary to establish unified norms and requirements for the qualification, collection process and follow-up evaluation of collection agencies, and at the same time, to draw a red line and define the punishment measures.

　　"In addition to further improving relevant systems, it is also necessary to form a comprehensive regulatory framework, including clarifying regulatory agencies and regulatory rules." Yin Zhentao said that in the specific supervision and law enforcement process, scientific and technological means can be used to record and mark the collection process, so as to find problems in time, which is very necessary for regulating the debt collection industry.

　　Yin Zhentao suggested that the most important point of the "Draft for Comment" issued this time is to prohibit violent collection, strictly regulate the problems that may be involved in the debt collection process, and consider introducing special collection management measures in the future.

Ideal L series is under a bit of pressure this year, with competitors coming out one after another. They also have refrigerators, color TVs, big sofas and even some models, and the prices are much lower than ideal.

Deep blue S09

The body size is more than 5.2 meters, which is equivalent to the models such as, but the pre-sale price is only 239,900.It is equal to buying L9 at the ideal price of L6.The successful elements of the ideal L9 are basically found in the deep blue S09, such as the refrigerator, the rear TV and the zero-gravity seat.

In terms of intelligent driving, the dark blue S09 is even better than the ideal L9, and it is used.Huawei gankun ADS 3.0, including the lidar. Although the ideal smart driver also belongs to the first echelon, it is still no match for Huawei in the first echelon.

In terms of power, it is equipped with a 1.5T super extended range 2.0 system. The four-wheel drive version accelerates for 5.9 seconds, and the battery life is 180km(WLTC). The fuel consumption is as low as 5.5L/100km.

Tengshi N9

The car is more than 5.2 meters long.Also take the ideal L9 as a competitor.However, the style of play is not the same as the deep blue S09 above, and it is not won by the ultimate cost performance. The price of Tengshi N9 goes to 389,800.

Tengshi N9 is playing the technical card.The whole system comes standard with easy three-way technology, which means that it can complete difficult movements such as compass turning and is equipped with rear wheel steering, which can greatly reduce the pressure on users to drive a "big car".

In terms of intelligent driving, Tengshi N9 adopts the scheme of Eye of God B, equipped with lidar and 32 sensors, and supports functions such as city navigation without map, high-speed AEB braking (120km/h) and night AEB(110km/h).

Chuanqi yearns for S7.

The length of the car body is about 4.9 meters.Close to the ideal L6. The positioning of this car is similar, without the third row, and it belongs to a five-seat model.

This car adopts a cost-effective strategy, and the entry price is 175,800, which is far lower than the ideal L6′ s 249,800. Moreover, the back row enjoys higher than the ideal L6, and the back row has the configuration that the ideal L6 does not have, such as foot rest and ceiling screen.

The strategy is clear,The price is lower than the ideal L6, but the configuration level of the car can be better than the shoulder L7 or even L8.

Wen Jie M8

In 2025, the biggest threat to the ideal opponent should be it. Thanks to Huawei’s endorsement, the brand appeal of the world is no less than ideal. The cleverness in size is playing Tian Ji horse racing.The size is between ideal L8 and L9, avoiding direct confrontation.

Everyone has a refrigerator, a color TV and a big sofa. The remarkable advantage of M8 in the world is Huawei empowerment. HarmonyOS system is used for the vehicle, and Huawei scheme is used for the intelligent driving. Although /L9 is not bad in these two aspects, it is still slightly inferior to Huawei.

No wonder the 872-hour order has reached 44,000, and there is a high probability that after M7 and M9, there will be another model that can sell more than 10,000 cars a month.

Ledao L90

In view of the high-end image, Weilai did not go directly to the ideal L series in the past, but in the brand of Ledao, there is no such burden.

L90 is the second model of Ledao brand, with a size of more than 5.1 meters.Between ideal L8 and L9.. At present, it is speculated that the starting price of this car will be around 250,000. Even compared with the ideal L8, it has obvious advantages in price.

Backed by Weilai, the natural advantage is the ability to exchange electricity and the BaaS purchase division developed from electricity exchange.In addition, the front case of Ledao L90 is very huge.It is huge enough to be used as a sofa to sit on.

However, unlike the models mentioned in this issue, Ledao L90 has only pure electricity at present, and there is no oil-electric model. As mentioned above, it is not a problem at all to replenish energy for the cars of Weilai system, and changing electricity is faster than refueling.

　　20.09 billion pieces! According to the monitoring data from the State Post Bureau, as of March 8, China’s express delivery business exceeded 20 billion pieces this year, 72 days ahead of 2019 and 6 days ahead of 2022. The endless stream of logistics traffic, rain or shine courier brother, and express parcels over mountains and mountains are vivid portrayal of the vigorous vitality and strong power of the express delivery industry, and also a powerful footnote for the consumer market with strong resilience and sufficient potential.

　　The logistics industry is connected with production at one end and consumption at the other end, which is called the "barometer" of economic development and consumption vitality. The fast and slow growth of scale reflects the supply and demand of economic operation. In February of this year, China’s express delivery development index was 254.8, up 11.1% year-on-year, constantly running out of new "acceleration". On the production side, some express delivery companies directly cooperate with production companies and extend to the upstream and downstream of the industrial chain to help enterprises reduce costs and increase efficiency in the whole process. On the demand side, the express delivery industry is accelerating its integration with all walks of life, and constantly improving warehousing, distribution and distribution. From flowers, hairy crabs and cold-water fish that require "freshness, quickness and quality", to medicines that require precise temperature control, and then to bulky goods such as household appliances, furniture and industrial accessories, consumers can meet their consumption needs and enjoy a better life without leaving home.

　　Economic development, logistics first. Insufficient total demand is a prominent contradiction facing the current economic operation. An important aspect of expanding domestic demand is to open up the "aorta" and smooth the "microcirculation" so as to realize the benign operation of social reproduction. In Xiamen, Fujian, e-commerce sellers moved the live broadcast room into the express warehouse distribution center. After consumers photographed their favorite goods, the express delivery company immediately delivered them from the warehouse. This brand-new "warehouse broadcast" mode improved the timeliness of the traditional mode by one to two days. In Shenyang, Liaoning Province, Northeast Transit Center introduced the most advanced automatic sorting equipment in the industry, and the development scale, service level, innovation ability and competitive strength have continuously achieved new leaps. The rapid recovery of the industry’s prosperity will help accelerate the release of market demand and the full inflow of development vitality, and inject momentum into ensuring the smooth circulation of the national economy.

　　At the same time, we should also see that there is still a lot of room to be tapped to restore and expand consumption. In the past ten years in the new era, China has basically built a postal express network covering the whole country, going deep into the countryside and reaching the world. At present, more than 100 million express parcels flow in rural areas every day, further smoothing the channels for industrial products to enter the village and agricultural products to leave the village and enter the city. Better promote the flow of urban and rural resource elements, accelerate the decline of consumer goods, help agricultural products to go up, connect the county and rural e-commerce system and express logistics distribution system, and constantly improve the cooperative service model of "logistics+rural e-commerce", so as to enhance rural consumption capacity, improve rural consumption conditions, innovate rural consumption scenarios and fully stimulate rural consumption potential.

　　Small express, connecting thousands of cities and industries, smoothing both ends of supply and demand, reflects the strong vitality of China’s economy. It is on the express delivery network extending in all directions and in the rapid flow of goods that China’s economic and social development has made steady progress and the people’s good life has become a reality. Looking forward to the future, the basis for the sustained recovery of the consumer market has not changed, and the momentum of high-quality economic development has not changed. Let the logistics industry play a greater role in protecting people’s livelihood, promoting production, smoothing circulation and stabilizing employment, and it will certainly enhance market vitality, enhance development momentum and solidly promote the overall improvement of economic operation.