The compact body of 23 brand-new MX-5 makes the new car have better handling, and it can be seen that the front of the car is very slender, the cockpit is partially backward, which conforms to the basic design of super-running, and the waistline at the door is very full, and the wheel hub is partially expanded, which increases the sense of movement of the new car, and the large-size multi-frame wheel hub is also very cool.

　　The front face of the 23 Mazda MX5 2.0 manual soft top convertible still retains some classic elements of Mazda tradition, such as rounded body lines, wide family mouth and cute "small eyes", which seems a little naive, simple and friendly. The deliberately widened wheel eyebrows may be the only place that can show a trace of restlessness. The simple and straight waistline of the car body and the rear of the same people also reveal a retro beauty. Just look at the appearance, it is a sports car, rather than a convertible recreational vehicle. The length, width and height of MX-5 are 4020mm, 1720mm and 1255mm respectively, and the wheelbase is only 2330 mm. The overall size can be described as quite small.

　　23 Mazda MX-5 2.0 manual soft-top convertible In terms of data, MX-5′ s 2.0 engine has different power output according to different sales markets and configuration differences, and domestic automatic transmission models are introduced. The maximum power is 118kw/6700rpm, the maximum torque is 188Nm/5000rpm, and the 0-100km/h acceleration time is 8.9 seconds. In the North American market, the engine output of the manual transmission model is not only slightly higher, but also the red line speed is increased by 500 rpm to 7200rpm, which makes it easier for the driver to exert his subjective initiative in handling performance with 6MT. The driving mode of Mazda MX-5 is front and rear drive, and the chassis system as a whole still adopts the suspension design of the previous generation Mazda MX-5. The front is the double-arm cross independent suspension, and the rear is the multi-link independent suspension. This suspension system controls the wheels more stably. Although the suspension structure has not changed significantly, the changes in details are still very intentional.

　　In terms of interiors, the new model still maintains the strong racing style of MX-5. Only slightly modified in some details. The whole black interior assembly is decorated with sporadic silver decorations, and there is a redesigned new dashboard.

　　As a light convertible sports car that provides "endless fun", Mazda MX-5 has raised the charm of its products to a new height, and perfectly explained its car-making concept of "integration of man and horse". If you want to have a convertible sports car that is both fashionable and affordable, this Mazda MX-5 is definitely the best choice.

　　Company name: Tianjin Shuangsheng Automobile International Trading Co., Ltd.

　　Company Address: Room 1101, Block B, Broadcasting Base of Famous Cars, No.102 Xingang Avenue, Bonded Zone, Binhai New Area, Tianjin

　　Contact: Liu Jingli 13331788344 (WeChat synchronization)

　　Disclaimer: The above car purchase preferential information is provided by the comprehensive dealers of this website, and the price fluctuates greatly due to market factors, which is only for car purchase reference; The distributor is responsible for its authenticity, accuracy and legality, and this website does not provide any guarantee or assume any legal responsibility.

The quotation of BMW mini models varies due to many factors, including models, configurations and regions. The following are the guide prices for different models:

The guide price of the 1.5T ONE model is199,800 yuan, the dealer reference price is about209,800 yuan.

The guide price of 1.5T ONE five-door edition is209,800 yuan.

1.5T COOPER artist’s guide price is240,300 yuan.

The guide price of 1.5T COOPER Artist Five-door Edition is250,300 yuan.

The guide price of 1.5T COOPER Purple Night Escape Special Edition is240,300 yuan.

The guide price of 1.5T COOPER Obsession Special Edition is258,300 yuan.

The guide price of 1.5T COOPER obsession special edition five-door edition is268,300 yuan.

The price range of 2.0T models is293,800 yuan to 320,600 yuan, depending on the engine configuration.

The guide price of a 2.0-liter turbocharged 192-horsepower model is368,300 yuan.

For electric vehicles, the guide price of MINI COOPER 2024 456km COOPER E Classic School is209,800 yuan, MINI COOPER 2024 452km COOPER SE artist guide price is239,800 yuan, MINI COOPER 2024 452km COOPER SE racer guide price is259,800 yuan, MINI COOPER 2024 452km COOPER SE 1/65 limited edition guide price is266,800 yuan.

The guide price of electric MINI ACEMAN 2024 E Classic is229,900 yuan, MINI ACEMAN 2024 SE artist guide price is259,900 yuan, MINI ACEMAN 2024 SE racer guide price is279,900 yuan.

It should be noted that the actual car purchase price may be different due to preferential activities, additional configuration and other factors, and the specific price shall be subject to the quotation of the local dealer.

As an Audi brand, medium and large luxury cars have won wide recognition in the market with their excellent quality, exquisite craftsmanship and innovative technology. Compared with the same class, Audi A6 has shown strong competitiveness in price, configuration and performance. In November this year, it led the luxury C-class car market with more than 16,000 sales, which once again proved its position as a representative of C-class cars. Of course, Audi A6L not only leads the same level in sales volume, but also fully upgrades its design, technology and performance, which meets the expectations of modern consumers for luxury C-class cars.

Young sports style to meet market demand

Audi A6L, as a luxury C-class car, always meets the market demand with its young sports style. It inherits Audi’s family-style design language and strives for perfection in R&D and innovation. After many tests in the market, Audi A6L has won the love of consumers with its excellent quality and performance, and has become a star model in the field of luxury medium and large cars. No matter from the design or interior configuration, the Audi A6L exudes a youthful and energetic atmosphere, which makes drivers look forward to every trip.

Double-face design to meet individual needs

Audi A6L deeply understands the needs of young people, and introduces a double-faced design, which firmly grasps the hearts of users. This design not only allows the driver to be true to himself, but also makes the personalized attribute of the whole vehicle more prominent. No matter what style of drivers, they can find their own unique charm in the Audi A6L. This spirit also encourages every driver to listen to his heart, control the pleasure of driving and enjoy the good time of every trip.

Comprehensive upgrade of technology configuration, immersive experience

Today, the Audi A6L has been fully upgraded in terms of technology configuration, bringing an immersive experience to drivers and passengers. The addition of high-tech configurations such as 12.3-inch full LCD instrument panel and 10.1-inch central control touch screen makes the car full of science and technology. These configurations not only improve the convenience of driving, but also make drivers and passengers seem to be in the future world and enjoy the infinite fun brought by technology. At the same time, the brand-new image has made Audi A6L a "pioneer" of the times, leading the new trend of luxury car market.

Efficient power system, smooth driving experience

Audi A6L is equipped with efficient power system and light mixing technology, which brings drivers a smooth and efficient driving experience. Whether it is a city shuttle or a long-distance trip, Audi A6L can easily cope with it, showing its outstanding performance. At the same time, the appearance and interior have also been significantly improved, bringing excellent driving enjoyment to users. The front face adopts hexagonal big mouth design, which is combined with LED automatic induction headlights to be more recognizable; The details are also very delicate, and a number of aluminum alloy sports wheels further enhance the sense of movement. Every place shows the unique charm of Audi A6L. In order to improve the driving experience, Audi A6L adopts the electronic power steering system, which enhances the handling stability and provides a stable and comfortable driving experience. At the same time, the safety configuration has also been fully upgraded, including adaptive cruise control and automatic emergency braking, which provides a strong guarantee for drivers’ driving safety. The car still maintains a luxurious technology atmosphere, and the unique electronic gear lever feels comfortable and not easy to slip, which also increases the leg space; It can be adjusted electrically and is very practical. In addition, the addition of panoramic skylights also brings a wide field of vision and a more comfortable ride experience for drivers and passengers.

From innovative digital cockpit to modern interior design to excellent performance, Audi A6L creates a unique and comfortable space for drivers and passengers. Every trip is full of expectations and surprises. I hope we can find a brand-new driving experience and feel happiness and satisfaction in every trip in the future. With its excellent quality and performance, Audi A6L will continue to lead the new trend of luxury car market and become an ideal choice for more consumers.

Since 99,800, the price of BYD Seal 06DM-i and Qin L DM-i has been announced, which can’t be said to be earth-shattering, but it is enough to shock 99% people. A mixed B-class car is sold directly to the price of A-class car, and you should know that Qin PLUS also sold this price a year and a half ago.

So can the seal 06DM-i sold in "998" be brainless? Today we will talk about its configuration and price.

Looking at the power first, Seal 06DM-i is the first to be equipped with the fifth-generation DM technology. Generally speaking, the 1.5L engine has higher thermal efficiency (46.06%), power loss and fuel consumption can be as low as possible.2.9L, the longest battery life2100km. Entry two models equipped with10.08 degree battery, pure battery life is 80km, and the rest of the medium and high batteries are15.87 degreesWith a battery life of 120km and a 65L fuel tank, the battery life can be close to 2000km even without charging.

So as far as power is concerned, the fifth-generation DM technology is at the same price, and both PHEV and HEV are basically the strongest.

In terms of configuration, BYD has made "safety" the same for all departments.There is only one difference in the number of airbags between low and high allocation.The other front and rear airbags are basically the same. At the same price, there are still many brands that are used to "simply matching" the number of airbags in low-profile models, which really should not be.

In fact, an overview of the Seal 06DM-i configuration table shows that the low-equipped and medium-equipped models pay more attention to pragmatism and are equipped with ordinary cruise control. If richer active safety configuration is needed, the cost performance will be higher with a little budget.

In addition, these three models are rich in daily practical functions, and the minimum models areRear radar+rear image, the rest of the models areFront and rear radar +360 panoramic image.Intelligent lathe, external discharge, automatic air conditioning, leather steering wheel, leather seat.These functions are equipped.

The active safety function has been supplemented and upgraded on the sub-top and top models.Full speed adaptive cruise system, this one is down.DiPilot intelligent driving assistance systemIt is more practical to run at high speed.Driving recorder, adaptive high beam and automatic folding of rearview mirrorIt is also a standard item for these two models.

But the top model also has an extraInduction wiper, automatic downward tilting of exterior rearview mirror, 15.6-inch central control large screen, wireless charging of mobile phone, ventilation and heating of front seats, and ambient light..

It is not difficult to find that in order to lower the price threshold of Seal 06DM-i as much as possible, BYD has abandoned some functions of low-and medium-sized models in combination with user needs. From the perspective of practicality and price, there is no problem at all. After all, this is a "Practicality first"The model.

Even if the interior hardware of the lowest model is different from other models, it is completely understandable, and the price difference between each model of Seal 06DM-i is 10,000 yuan, and the upgrade for every 10,000 yuan is quite reasonable.

Class 100,000, ultra-low fuel consumption, long battery life, multi-link suspension and B-class car.At the same price, you can’t find anything better than Seal 06.DM-iA better choice, so not surprisingly, Qin L. DM-iAnd seal 06DM-iWill enter the top 10 of the monthly sales list.

Finally, how to choose the five models of Seal 06DM-i? My suggestion is to choose according to your budget. No matter the entry version of 99,800 or the top model of 139,800, you can’t go wrong to buy either one. If you are still entangled, you can refer to our recommendation index.

With better economy and stronger performance, it has attracted the attention of many users. Among the 150,000-200,000-class pure electric SUVs, Y PLUS is more prominent, which has aroused the interest of many consumers. So how to choose Kia EV5? We can only draw a conclusion after comparison.

Appearance: each has its own characteristics

In terms of appearance, KIA EV5 has a high face value. The car has been praised by many users with its iconic digital roaring front face and Star-Map star-mark light set. The side lines are smooth and dynamic, and the geometric front edge and low wind resistance wheels are very eye-catching. The tail design is recognizable and the appearance is pleasing to the eye.

The appearance of Ai ‘an Y PLUS is not as fashionable as that of Kia EV5. The car adopts a fairly well-regulated design. Generally speaking, it has nothing to shine on, but it is more stable and generous.

Endurance: KIA EV5 is outstanding.

The long battery life is the obvious advantage of KIA EV5. This car is the only one in its class that has broken through the 700km battery life. Even the standard version of KIA EV5 has a cruising range of 530km, and the long battery life version of KIA EV5 leads the same class with a super-long battery life of 720km. The car is equipped with an 88.1kWh battery, and it takes only 27 minutes to charge the battery from 30% to 80%, and all performance indicators are at the leading level in the same class.

There are two kinds of cruising distances for the 2024 Ai ‘an Y PLUS, which are 510 km and 610 km respectively, both of which are lower than KIA EV5. Among them, the 2024 Ai ‘an Y PLUS Smart Driving Edition is equipped with a 69.98kWh battery, and the battery energy is weaker than that of Kia EV5.

Configuration and space: Kia EV5 is dominant.

Kia EV5 provides L2+ intelligent driving assistance function, equipped with new intelligent internet entertainment system and Connect intelligent internet system, and supports panoramic display, intelligent anti-collision, 11.3-inch HUD, UWB digital key and other functions. Equipped with 5-level adjustable intelligent kinetic energy recovery system, it supports i-PEDAL single pedal mode. It has an environmentally-friendly intelligent cockpit, providing a 67L front standby box and a 513L trunk, which can be expanded to 1718L, and provides configurations and functions such as a central drawer-type heating and cooling incubator, a 5.4L central drawer, a trunk multi-scene expansion table, and two V2L power supplies inside and outside the car.

Ai ‘an Y PLUS supports L2 intelligent assisted driving, with a trunk volume of 405L, support, lane keeping assistance, remote key and other functions. The space and configuration are not as attractive as Kia EV5.

The above is a comparison between KIA EV5 and Ai ‘an Y PLUS. It can be seen that KIA EV5 has more advantages and higher cost performance in general.

Welcome to pay attention to [car home Hangzhou Preferential Promotion Channel] to bring you the latest auto market trends. Recently, a high-profile luxury car, the imported BMW i5, is in full swing in Hangzhou with attractive preferential activities. It is understood that the current maximum discount amount has reached an astonishing 140,900 yuan, and the minimum starting price has dropped to 499,000 yuan. For consumers who are interested in starting this high-performance electric vehicle, this is an opportunity not to be missed. Want to know more details and get higher preferential treatment? Please be sure to click the "Check Car Price" button in the quotation form, and let’s seize this rare opportunity to buy a car together.

With its exquisite design, BMW i5 (imported) shows the classic BMW family style. The front face adopts the iconic kidney-shaped air intake grille with streamlined body lines, which gives the vehicle a sense of movement and strength. Overall style, it combines elegance and technology elements, showing the gas field that luxury cars should have, and details reveal the persistence of environmental protection concept. It is an attractive electric vehicle.

The side lines of BMW i5 (imported) are smooth and dynamic, and its body size is 5060mm x 1900mm x 1505mm, showing the style of a luxury car. The wheelbase reaches 2995mm, ensuring ample internal space and driving stability. The car is equipped with unique 245/40 R20 front tires and 275/35 R20 rear tires, which not only provides excellent grip, but also complements the rim design, adding a touch of sportiness to the overall appearance.

The interior style of BMW i5 (imported) is luxurious and attention to detail, and its spacious interior space creates a comfortable atmosphere for passengers. The steering wheel is made of leather with excellent texture, and the design is ergonomic. It supports electric up and down+front and rear adjustment, providing excellent control experience. The 14.9-inch central control screen is a highlight of the interior, which integrates multimedia system, navigation, telephone and air conditioning control, and is equipped with voice recognition function, which is convenient to operate and full of technology.

In terms of seats, the seats are made of various materials, including imitation leather, genuine leather and leather/suede mix and match, to ensure the comfort of passengers. Both the driver’s seat and the driver’s seat are equipped with electric adjustment functions, including front and rear, backrest, height, leg rest and lumbar support, which support four-way adjustment, and the driver’s seat also has electric memory function, which is convenient for different drivers to set individually. The front seats also provide additional heating and ventilation functions to ensure the best ride experience in all weather conditions. The rear seat supports the proportion of tilting down, which is flexible in space and convenient for carrying goods or riding many people.

BMW i5 (imported) is equipped with a powerful engine with a maximum power of 442kW, providing surging power output. At the same time, its torque performance is also excellent, up to 795 Nm, which ensures that the vehicle can show superior performance in various driving scenarios.

As the price reduction promotion of BMW i5 (imported) draws to a close, we sincerely invite you to seize this rare opportunity to buy a car. With the further preferential price, this future-leading luxury car not only has excellent driving experience and technology configuration, but also will bring you a real cost-effective improvement. Don’t miss this opportunity to get in touch with future travel, let’s move towards a new life of intelligent and green driving together. Finally, thank you for your continuous support and trust in BMW, and look forward to your unforgettable journey with BMW i5. Act quickly and make your dreams within reach!

Every reporter Chen Pengli every editor Wei Guanhong He Xiaotao　　　　

On the afternoon of June 30th, Gree Electric (SZ000651, share price 36.51 yuan, market value 205.6 billion yuan) held its 2022 annual general meeting of shareholders in Gree Electric, Zhuhai.

National business daily reporter learned that this year’s Gree Electric shareholders’ meeting was very popular, with as many as 186 shareholders attending offline. The whole meeting lasted about 2 hours, and Dong Mingzhu, Chairman and President of Gree Electric, answered many investors’ questions one by one.

The reporter learned that the concerns of the shareholders at the scene mainly focused on the development and dividend plan of the subsidiary Gree Titanium New Energy Co., Ltd. (hereinafter referred to as Gree Titanium).

Dong Mingzhu responded that there was no problem with the technology of Gree Titanium, and the acquisition of Gree Titanium was to lengthen the industrial chain of Gree Electric and at the same time open the sales of automobile air conditioners. Gree Titanium is still in the process of "filling the pit", but the dawn is in front of us. Regarding the dividend issue, Dong Mingzhu said that he did not think that Gree’s dividend was low. From 2022 to 2024, Gree will pay dividends as promised, and it is expected that Gree Electric’s cash dividend will reach the standard of "2 yuan per share" next year. She also said that Gree is an international brand in China, and the goal of air conditioning is to be the first in the world in order to sell the China brand to the whole world.

On-site photo of the shareholders’ meeting Source: Photo by reporter Chen Pengli

Talking about Gree Titanium: In the efforts to "fill the pit"

At this year’s shareholders’ meeting in Gree Electric, the most frequently asked question by shareholders is about the development of Gree Titanium. In fact, investors have been questioning Gree Electric’s acquisition of Gree Titanium.

According to the financial data of Gree Electric in 2022, by the end of 2022, Gree Titanium had total assets of 25.024 billion yuan, total liabilities of 24.786 billion yuan and total net assets of about 238 million yuan.Last year, Gree Titanium’s revenue was 2.587 billion yuan and its net profit was-1.905 billion yuan.What investors are really worried about is whether Gree Electric will support Gree Titanium when it needs equity financing.

Image source: screenshot of financial data

At the shareholders’ meeting, Dong Mingzhu described in detail why he wanted to buy Gree Titanium and the current situation of Gree Titanium. She said that the technology of this enterprise itself is absolutely no problem."If the former boss didn’t set me up with a pit, it would be a very good enterprise."She said that Gree Electric’s optical storage uses Gree titanium battery, and the safety of the battery is particularly important for Gree’s optical storage. If it hadn’t been acquired at that time, Gree’s light storage would not be realized now.

Moreover, at that time, she thought that the cars of Gree Titanium (namely Yinlong New Energy) could add a channel to Gree, such as automobile air conditioners, automobile compressors, automobile motors and automobile capacitors. "We have dealt with the automobile industry, and it is even more difficult to sell automobile air conditioners … This platform, I think, is very important." "At the beginning, the acquisition of Gree Titanium was unsuccessful. It was not the opposition of small and medium shareholders, and the struggle behind it was too complicated."

She told the shareholders present, "I had to gamble on this game when I borrowed money, just to make Gree Electric’s industrial chain longer."

"At present, the triangular debt problem of Gree Titanium has been gradually resolved. I believe that Gree Titanium has brought many industrial linkages to Gree Electric and brought butterfly effect. We can still make it a very independent subsidiary with the fastest speed and be able to support ourselves. " Dong Mingzhu said.

She also expressed the hope that everyone would give Gree Titanium some time."There is a process of filling in the pit, which I think is very promising. Dawn is just ahead. " "It’s not a day’s work. I believe we can see a little hope next year."

No matter how to expand investment,

Dividend plan will not change.

In 2022, Gree Electric’s annual profit distribution plan is to distribute cash dividend 10 yuan (including tax) to all shareholders for every 10 shares, with a total cash dividend of 5.614 billion yuan (including tax). After the release of the plan, it immediately triggered a heated discussion among investors, who generally believed that the dividend was less than expected.

At the end of April this year, Gree Electric also issued "Shareholder Return Plan for the Next Three Years (2022 -2024) (Revised Draft)". On the premise that the company’s cash flow meets the company’s normal operation and long-term development, the company’s annual cash dividend per share from 2022 to 2024 is not less than 2 yuan or the total cash dividend is not less than 50% of the audited net profit attributable to shareholders of listed companies in that year.

On the afternoon of June 30th, several shareholders also mentioned the issue of dividends to Dong Mingzhu. Dong Mingzhu explained the modification of the dividend plan. "We are worried about what if the income is not good and we can’t make 2 yuan? We will divide 50% of the profit of the year according to the minimum standard, not less than this number. "

Dong Mingzhu also said that from 2012 to 2022, Gree Electric’s accumulated cash dividends exceeded 100 billion yuan in 11 years. She hopes that investors and Gree Electric will help each other in the same boat and share happiness. "Gree Electric does not rely on the stock market to develop. Gree adheres to the principle of benefiting shareholders, but it also needs to retain space for sustainable development."

For the dividend outlook in 2023, she said,According to her own assessment, she can achieve "2 yuan for cash dividend per share" next year, and even add "above".

"Three years of dividend commitment, no matter how we expand our investment, we can do it (the cash dividend per share is not low in 2 yuan), which will not change." Dong Mingzhu said.

The chairman is not above himself,

There is no rule against live broadcast.

Regarding the shareholders’ question that the growth of Gree Electric’s operating income has not been obvious in the past few years, Dong Mingzhu said that shareholders should allow enterprises to have an adjustment period, instead of stipulating that enterprises should grow by 20% or 50% every year."Say a word of anger, you can do it."

She told the shareholders present that the reason for Gree’s slow growth in the past few years was that it was affected by the epidemic. On the other hand, in the Internet age, "I can certainly cooperate with platforms such as JD.COM in an instant and go online, but we have tens of thousands of dealer stores, and hundreds of thousands of people need to eat. We should adjust this relationship in place and not give up social responsibility for temporary interests."

Talking about Gree’s diversified business, Dong Mingzhu said that in the era of high-quality development, Gree should be an industry that the country lacks and the enterprise development strategy needs, such as CNC machine tools. Now Gree’s CNC machine tools have been exported. Although the scale is not large, it is a blueprint that Gree Electric will paint for everyone in the future. "Gree’s industrial sector, robots, motors, etc., each product has huge market space, so I am very confident that enterprises will be able to go healthier and go further."

Regarding the promotion of overseas markets, Dong Mingzhu said that Gree is an international China brand. If air conditioners are to go global, it is absolutely necessary to develop not only the Middle East market, but also all markets. In overseas markets, Gree does not want to catch up with its peers. "In the future, we will be the first in the world."

Dong Mingzhu also said that some people outside are very concerned about Gree’s successor."Don’t worry. If you think you can be a successor, you can go. If not, don’t judge the internal development of the company. We have our own set of rules. "

Dong Mingzhu revealed that after the shareholders’ meeting, her next work arrangement is live broadcast with goods. "People say that I am the chairman of the board of directors, how do you know that I didn’t do it? There is no rule that the chairman can’t do live broadcast.The head of an enterprise should regard the enterprise as his own life, rather than being above it … I think Gree Electric’s strategic planning has never been lost."

Reporter |Chen pengli?edit|Wei Guanhong He Xiaotao Du Bo

Proofread |Sun Zhicheng

| national business daily ?nbdnews??Original article |

Reprinting, editing, copying and mirroring are prohibited without permission.

　　Recently, some Internet financial platforms aim at university campuses, and through induced marketing, they issue Internet consumer loans to induce college students to spend too much, leading to the phenomenon that some students fall into the trap of high loans, which has attracted great attention from the regulatory authorities. On March 17th, Beijing Youth Daily learned that the General Office of China Banking and Insurance Regulatory Commission, the Secretariat of the Central Network Information Office, the General Office of the Ministry of Education, the General Office of the Ministry of Public Security and the General Office of the People’s Bank of China recently jointly issued the Notice on Further Regulating the Supervision and Management of College Students’ Internet Consumer Loans (hereinafter referred to as the Notice), which further standardized the supervision and management of college students’ Internet consumer loans from four aspects, earnestly safeguarded the legitimate rights and interests of college students, and deployed the supervision, inspection, investigation and rectification of college students’ Internet consumer loans.

　　It is reported that in the next step, China Banking and Insurance Regulatory Commission will work with relevant departments to implement the Notice, actively carry out investigation and rectification of illegal businesses, resolutely curb the phenomenon of accurately "harvesting" college students on the Internet platform, and earnestly safeguard the legitimate rights and interests of students.

　　1. How to develop college students’ credit business?

　　No accurate marketing for college students.

　　The "Notice" strengthens the supervision and management of Internet consumer loans for college students in lending institutions. It is clear that microfinance companies are not allowed to issue Internet consumer loans to college students. The "Notice" requires that microfinance companies should strengthen the substantive verification of the identity of loan customers, and must not set college students as the target customer groups of Internet consumer loans, and must not accurately market for college students, and must not issue Internet consumer loans to college students.

　　The Notice further strengthens the risk management of college students’ Internet consumer loan business in licensed financial institutions such as consumer finance companies and commercial banks, and clarifies that institutions established without the approval of the regulatory authorities are not allowed to provide credit services to college students. At the same time, organize all localities to deploy and carry out supervision, inspection, investigation and rectification of college students’ Internet consumer loan business.

　　The Notice requires that the outsourcing cooperative institutions of lending institutions should strengthen the screening of customers, and should not use improper methods such as false, misleading or induced propaganda to induce college students to consume ahead of time and borrow excessively, nor should they accurately market for college students, nor should they push and drain college students to lending institutions.

　　Banking financial institutions should strictly abide by the risk bottom line, prudently carry out college students’ Internet consumer loan business, establish and improve appropriate risk management systems and early warning mechanisms, strengthen pre-loan investigation and evaluation, and attach importance to post-loan management and supervision to ensure that risks are controllable.

　　2. What about the stock of college students’ loans?

　　In principle, loans already issued will not be extended.

　　In terms of personal information protection, the Notice requires strengthening the personal information security protection of college students, establishing and strictly implementing the rules and regulations to ensure information security, taking effective technical measures to properly manage the basic information of college students, and not sending the information of loan students to third-party institutions, or illegally revealing, exposing or buying or selling the information of loan students.

　　It is necessary to strengthen the submission of credit information, and submit all credit information of college students’ Internet consumption loans to the basic database of financial credit information in a timely, complete and accurate manner in accordance with the Regulations on the Administration of Credit Information Industry. Students who do not agree to submit credit information may not be granted loans.

　　For college students’ Internet consumption loans that have been issued, first, we should urge microfinance companies to make rectification plans. In principle, loans that have been issued will not be extended, and the existing business will be gradually digested. It is strictly forbidden to add new business in violation of regulations. Second, it is necessary to urge banking financial institutions to strengthen investigations, rectify illegal businesses within a time limit, and strictly implement risk management requirements. Institutions that refuse to rectify the problems found in the investigation or whose circumstances are serious should be severely punished and cracked down, and those suspected of committing crimes should be transferred to judicial organs.

　　The Notice requires all colleges and universities to take the main responsibility of student management. First, vigorously carry out financial knowledge popularization education, strengthen financial knowledge publicity and education, and effectively improve students’ awareness of financial security. The second is to constantly improve the working mechanism of helping and rescuing. Effectively protect the affordable needs of students with financial difficulties, such as tuition, accommodation and basic living expenses, and solve the temporary and urgent financial needs of students. Third, comprehensively guide college students to establish a scientific, rational and healthy consumption concept, establish a daily monitoring mechanism, pay close attention to students’ abnormal consumption behavior, take targeted measures to correct it, and strive to achieve early prevention, early education, early detection and early disposal.

　　At the same time, colleges and universities should actively cooperate with relevant departments to do relevant work: First, block the side door and resolutely resist bad campus network loans. Colleges and universities should establish a joint prevention and control mechanism, actively cooperate with public security departments and financial supervision departments to accurately crack down on bad campus network loans and safeguard students’ rights and interests. Establish a real-time early warning mechanism, timely release early warning information of bad campus network loans to students by telephone, internet, campus broadcast and other forms, and build a protective net. The second is to open the main entrance to meet the reasonable credit needs of college students. Colleges and universities should cooperate with banking financial institutions to develop financial products such as college aid, training and entrepreneurship with convenient procedures, reasonable interest rates and controllable risks. Pay attention to college students’ financial services, actively connect with banking financial institutions, open regular campus credit service channels for college students with reasonable needs, drive out "bad money" with "good money", and strive to purify the campus financial market environment.

　　3. How to deal with related crimes?

　　Intensify the crackdown on illegal lending institutions

　　The Notice requires that local financial supervision and management departments and banking insurance regulatory bureaus should, on the basis of the previous campus loan rectification work of online lending institutions, include various lending institutions such as microfinance companies and consumer finance companies in the rectification scope, and comprehensively use various means such as website monitoring, fund monitoring, on-site inspection and data analysis to further strengthen the supervision, inspection and investigation of college students’ Internet consumer loan business. At the same time, increase the investigation and crackdown on illegal lending institutions.

　　The "Notice" requires that the public opinion should be relieved and guided. Guide all localities to do a good job in the online interpretation and public opinion guidance of regulating the supervision and management policies of college students’ Internet consumption loans, and take the initiative to speak out and clarify the truth about the malicious speculation and rumors of using college students’ Internet consumption loans to jointly create a good public opinion environment.

　　At the same time, increase the investigation and punishment of illegal and criminal problems. Guide local public security organs to intensify the investigation and punishment of illegal and criminal activities in the Internet consumer loan business of college students, severely crack down on criminal activities carried out by means of routine loans and usury against college students, intensify the crackdown on illegal detention, kidnapping, violent collection and other illegal and criminal activities, and crack down on illegal and criminal activities that infringe on citizens’ personal information according to law.

　　4. How to satisfy college students’ consumption loans?

　　Follow the principle of small and short-term risk control

　　The Notice requires that, in order to meet the reasonable consumer credit needs of college students, all banking financial institutions can develop targeted and differentiated Internet consumer credit products under the premise of controllable risks, follow the principle of small amount, short term and controllable risks, strictly limit the loan balance of the same borrower and the total business scale of college students’ Internet consumer loans, strengthen product marketing management, strictly examine the qualifications of college students, and improve asset quality.

　　In terms of marketing management, the Circular requires banking financial institutions and their cooperative institutions not to conduct online accurate marketing for college students. Offline marketing and publicity activities carried out on campus should be reported to the regulatory authorities of the marketing area in advance, and the specific place, date, time and content of marketing activities should be informed in advance to the relevant educational institutions and the consent of the educational institutions should be obtained. Marketing activities should not use deceptive, misleading or induced publicity to induce college students to apply for consumer loans.

　　The Notice requires strict pre-loan qualification examination, substantive examination and identification of college students’ identity and real loan purposes, comprehensive evaluation of college students’ credit information, income, taxation and other information, comprehensive understanding of college students’ credit status, strict implementation of college students’ second repayment sources, confirmation of the authenticity of the identity of the second repayment sources by telephone and other reasonable means, obtaining written guarantee materials that the second repayment sources with repayment ability (parents, guardians or other managers, etc.) agree to their loan behavior and are willing to repay on their behalf, and strictly controlling college students’ credit qualifications.

　　It is necessary to strengthen post-loan management to ensure that the flow of loan funds conforms to the provisions of the loan contract; Properly handle overdue loans, standardize collection management, and prohibit any violent collection behavior that interferes with the normal study and life of college students; Timely grasp the changes of college students’ capital flow and credit status, improve the response plan, and ensure that the overall business risk of college students’ Internet consumer loans is controllable.

　　This group/our reporter Cheng Jie co-ordinates/Yu Meiying

　　Photo courtesy/vision china

As a popular model, Volkswagen 2023 has a high reputation and sales volume in the market. However, even such a highly respected model has some shortcomings and deficiencies. This paper will make a detailed evaluation of the shortcomings of the 2023 model from the perspective of car use.

1. The chassis suspension is hard to adjust.

Magotan’s chassis suspension is hard to adjust, which brings uncomfortable feelings to drivers and passengers. Especially when crossing the pit and the speed bump, the tough suspension makes the vehicle feel bumpy obviously and the comfort is greatly reduced. Although such training is helpful to improve the lateral support performance of vehicles, consumers who pay more attention to comfort may be somewhat dissatisfied with it in daily driving.

2. The gearbox shifts gears at low speed.

The DSG gearbox used by Magotan has a setback phenomenon when shifting gears at low speed, which is an old problem of Volkswagen gearbox. In addition, some car owners report that there are still abnormal noises. The existence of these problems makes Magotan have much room for improvement in ride comfort.

3, the car is behind.

Magotan’s car system is relatively backward, mainly reflected in the small screen size, poor function menu optimization, system instability and so on. Problems such as black screens and jams occur from time to time, which also makes many car owners feel very dissatisfied. In addition, the connection often fails, and it is difficult to achieve a stable connection whether it is wireless or wired, which is undoubtedly a pain point for consumers who rely on smart phone screen navigation.

4. The middle floor in the rear row is raised.

There are bumps in the middle floor of the back row of Magotan, which greatly reduces the riding comfort in the middle position of the back row. For passengers sitting in the middle position, the raised ground limits their leg space and makes them feel uncomfortable when riding for a long time.

5, air conditioning touch control adjustment button is not very easy to use.

Magotan’s air conditioning adjustment button adopts touch design, which makes it impossible for drivers to operate blindly during driving. In contrast, physical keys have more advantages in key feedback, which can realize the convenient operation of confirming the entry into force immediately. Magotan’s touch buttons need to be operated on the central control screen, which is not substantially different from those cars that are adjusted on the central control screen.

6. Interior design and materials are general.

Magotan’s interior design is slightly insufficient compared with some competing products. Perhaps what designers want is a sense of regularity, not a sense of design. In terms of materials, the center console is too plastic and the new car smells bad, which brings a poor sensory experience to drivers and passengers. In the same price model, the interior quality of Magotan needs to be strengthened.

7, poor sound insulation effect

When running at high speed, the sound insulation effect of Magotan is not good. The loud wind noise and road noise make it difficult for drivers and passengers to enjoy a quiet and comfortable driving experience. This also greatly reduces the comfort of Magotan when driving at high speed.

summary

As a popular model in the mid-level car market, 2023 Magotan has many commendable advantages. However, the above shortcomings and deficiencies also make it have some room for improvement in some aspects. I hope that after listening to the feedback from consumers, manufacturers can continuously improve and optimize their future models, so as to bring consumers a better car experience.

When they meet, what kind of sparks will the two spark?

1. The price of both cars exceeds one million, which witnessed the rise of domestic cars. When the system meets the Zunjie pure electric/oil-electric hybrid system, who has better performance and can save fuel consumption? Compare it in many ways.

2. Power performance: Two systems of 3.0T and 4.0T are provided, with the maximum power of 290kW and 360kW respectively, showing its strong performance in power performance. The specific power parameters of Huawei Zunjie are not explicitly mentioned in the search results, but its power performance is expected to be excellent, and Zunjie is expected to be equipped with the intelligent driving scheme of Huawei Gankun ADS3.0 with the same model as Zhijie R7, which may mean that it has strong performance in intelligent driving.

3. Intelligent technology: The specific intelligent configuration of Hongqi Guoya is not specified in the search results, but as the flagship model of the brand, it is expected to be equipped with high-end intelligent driving assistance system and luxury intelligent cockpit. Huawei Zunjie will be equipped with the latest version of Huawei ADS3.0 intelligent driving system, which is famous for its advanced automatic driving technology and intelligent driving. The car will be equipped with a high-resolution dashboard and display screen to provide a seamless intelligent interactive experience.

4. Market Positioning: Hongqi Guoya is positioned as an ultra-luxury executive car, and its body size and power parameters are beyond, making it one of the most luxurious in the market. Huawei Zunjie is also positioned as a high-performance luxury car, with an estimated price of more than 1 million yuan, directly targeting ultra-luxury brands such as Benchmark and others.

On the whole, Hongqi Guoya and Huawei Zunjie have their own advantages in performance. Hongqi Guoya has excellent performance in dynamic performance, while Huawei Zunjie has strong competitiveness in intelligent technology. Both of them are representative works of their own brands in the high-end market, and each has its own advantages in performance. Which one is better may need to be decided according to the different needs of consumers for power and intelligence.