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.

On March 29th, 2024 Huanxin was listed. As an annual redesigned model, the new car will be upgraded with new color matching and intelligent configuration. However, in the face of Xiaomi’s aggressive attitude, how many chances can Aouita 12 have after the change?

As far as the price is concerned, the 2024 Aouita 12 has launched four models, the price range is 265,800-400,800 yuan, and the overall price is about 60,000 higher than that of the popular one. However, from the car purchase policy, except for the newly-added 700 three-laser rear-drive intelligent version, all other models can enjoy the discount of 5,000 yuan deposit deducting 27,000 yuan, which is really attractive.

From the product point of view, the new car, as an annual redesigned model, naturally has not changed much in terms of face value. It continues the design concept of the current "Future Aesthetics" vehicle, with a simple closed grille and curved belts on both sides, and then it is integrated with triangular headlights, which not only emphasizes the sense of integrity, but also has a strong sci-fi charm.

In addition, with the blessing of future aesthetic design, the car has a body size of 5020/1999/1460(1450)mm and a wheelbase of 3020mm, while the axle length ratio of 0.61, the width-height ratio of 1.38, and the wheel height ratio of 0.514 are combined. Moreover, the new car has introduced a new appearance color of Hui Jin, just like the "chameleon" paint surface, which can show the effect of "floating gold" at a specific angle.

Arriving in the car, the new car adopts the minimalist design concept of Gentle Tech, and the panoramic digital encircling induction cockpit is full of the scientific sense of the new car. 35.4-inch 4K panoramic widescreen, 15.6-inch central control screen equipped with HarmonyOS Huawei HarmonyOS car system on both sides, plus double zero-gravity seats in the front row as standard, and listening to the panoramic sound field of CST coaxial speakers, upgrade the luxury car experience from all dimensions of vision, hearing and touch.

Seeing this, you may already feel that this has not changed much, no! This rejuvenation is actually an improvement in intelligence and security systems. First of all, it is intelligent. The new car comes standard with 3 laser radars and 29 intelligent driving sensors, and is equipped with Huawei’s latest advanced intelligent driving HUAWEI ADS 2.0. In addition, starting from March 28th, Aouita 12 will open the NCA for smart driving, which does not rely on high-precision maps, so as to truly achieve nationwide opening. At the same time, a number of functions are optimized through OTA, including tidal lane and bus lanes, and a new lateral obstacle anti-collision system (LOCP) is added to further enhance people’s intelligent travel safety.

In terms of safety, Aouita 12 adopts ultra-high-strength steel-aluminum hybrid cage body in passive safety, with aviation-grade aluminum and high-strength steel accounting for more than 80%, and has 19 intelligent active safety configurations, and is equipped with 3 laser radars and a general obstacle perception network to realize 360-degree surrounding collision protection. In addition, in order to protect the battery safety, the new car adopts the Contemporary Amperex Technology Co., Limited customized H-type with high-strength 6 series aluminum alloy battery protection case.

On the power level, the maximum power of the 2024 Aouita 12 single-motor model is 313 HP, and the CLTC cruising range is 700km；; The four-wheel drive model is equipped with Huawei DriveONE dual-motor system, with a total power of 578 HP and a CLTC cruising range of 650km. The battery pack has a capacity of 94.5kWh and supports super fast charging. In addition, the new car is also equipped with an air suspension system that can realize active damping adjustment and has the functions of 45mm stroke height adaptive adjustment.

I have to say that the upgrade of Aouita 12 seems small, but in fact, it has greatly improved its intelligence and safety, which will not only consolidate the stronger product strength of its peers, but also give consumers a unique travel and life experience. In the face of the strong invasion of Xiaomi SU7, the new car backed by Chang ‘an, Contemporary Amperex Technology Co., Limited and Huawei is obviously full of confidence and fearless.

　　

　　Chinese special police anti-terrorism combat drill

　　"The period from now until the opening of the Beijing Olympic Games is a very’ fragile’ period. If there is a terrorist attack at this time, it will affect the decision of tourists from all over the world-whether to come to Beijing to watch the game in the end. " On the morning of March 17, at the press conference held by the Israeli Embassy in China, Israeli anti-terrorism expert Boaz? Dr. Gaynor told the reporter of the News of the World.

　　Threatening Beijing citizens on the eve of the Olympic Games should always be vigilant.

　　Dr. Gaynor said that the purpose of his current visit to China is to "introduce the nature of terrorist attacks and the extent they have reached to people who are engaged in the same work as me here, and contribute everything I know to their work".

　　For the world-famous Beijing Olympic Games, Gagno also put forward his own suggestions on its security and anti-terrorism work. He stressed that we can’t wait to be attacked, and we must take positive actions to defeat the terrorist attack plot. "In China, there are many potential targets that may be attacked, so it is important to get information as soon as possible in security work."

　　He immediately introduced his own experience without reservation: in the weeks before the Olympic Games, terrorists usually rent houses and plan attacks in the houses, so homeowners and restaurants should be vigilant at this time.

　　Gaynor stressed to the News of the World that the government needs the cooperation of the people in the fight against terrorism. For example, in 1995, the Tokyo subway in Japan was attacked by sarin gas. Many people were injured not because of sarin gas, but because of panic. Therefore, "it is very important to let people know what to do in the event of a terrorist attack."

　　"From the appearance, there is nothing special about terrorists. They may have blue eyes and black hair. They may come from Africa or the Middle East." What people need to learn is how to recognize them from their behavior, said Gagno. For example, in the hot summer, if you find a person wearing heavy clothes walking in the crowd; In parks or streets, there are lonely and neglected items, and ordinary people should get in touch with the police quickly.

　　Emphasizing that the Olympics is a high-risk target, terrorists may be more cunning.

　　Dr. Gaynor’s experience is not something you can easily get. In fact, not only in Israel, but also in the whole international counter-terrorism field, Boaz? Dr. Gaynor’s titles can be listed in a long list: deputy dean of the Lauder School of Government in Israel, member of the National Committee for Homeland Security Technology in Israel, founder and director of the International Institute for Counter-Terrorism Policy (ICT), founder and president of the International Institute for Counter-Terrorism (ICTAC) … In addition, he has served as an anti-terrorism adviser to Israel’s Ministry of Defense, an adviser to Israel’s National Security Council, and even former Israeli Prime Minister Benjamin? Netanyahu published the book "Anti-terrorism" and asked him to be a consultant.

　　Gaynor began his research on terrorism 25 years ago. When he was young, he worked as a pilot in the Israel Defense Forces. Later, he found that he was not suitable for this role, so he transferred to the Israeli intelligence service to engage in anti-terrorism work. Since then, fascinated by counter-terrorism, he has never left this field. In fact, anti-terrorism is not as simple as people think, but involves many disciplines, including psychology, sociology, high technology, medicine, law and so on.

　　"We are now in a transitional stage, that is, from modern terrorism to post-modern terrorism." Gaynor told the News of the World that no one in the world is absolutely safe from the threat of terrorism. The Olympic Games have provided many "opportunities" for terrorists, not just stadiums and other facilities. "Of course, I can’t assert that the Beijing Olympic Games will not be attacked by terrorists, but it is a fact that terrorists really want to attack."

　　Gagno believes that the terrorist threats faced by the Beijing Olympic Games and the last Athens Olympic Games are very similar, and they are all terrorist groups or organizations that are "interested" in the Olympic Games. However, there are also differences between them. Moreover, terrorists have learned from previous failed actions and may be more cunning and fierce when they strike again.

　　China police sent personnel to study counter-terrorism

　　Gaeno emphasized the importance of close international cooperation in anti-terrorism activities. He said that in previous Olympic Games, Israel’s intelligence agencies were invited by the host country to help the country fight terrorism together. I believe that intelligence personnel will also provide help in this Beijing Olympic Games.

　　In fact, as early as November 2007, the Israeli police spokesman Rosenfeld revealed that the China police delegation would arrive in Israel in March 2008. In about a month’s time, Chinese personnel will learn the skills of dealing with suicide attacks and riots at a border police base in Israel, as well as the theoretical and practical experience of how to intercept information from terrorist organizations.

　　In June 2007, the police chief of Tel Aviv, Israel, David? Sur also visited the China Institute of Contemporary International Relations to discuss the Olympic security work with scholars from the Anti-Terrorism Research Center of the Institute. During his visit to China, Gagno also communicated with major scientific research institutions in Shanghai and Beijing respectively.

　　On the afternoon of March 17th, Gagno had an exchange with Li Wei, an anti-terrorism expert of China Institute of Contemporary International Relations. Li Wei told reporters that Gagno has many original opinions on the study of terrorism, and also has many in-depth studies on the laws, ways and means of terrorism. In the process of communication, the two sides have a common understanding of the increasingly rampant international terrorist threat. Of course, different countries still face different threats.

Editor: Wang Yuxi

What is "Capibala"?

“Ca-py-bara capybara capybara ……”

Huh?

Why do you automatically turn text into speech in your mind? !

Xinhua News Agency reporter Li Xinyi photo

Stupid appearance with demonic brainwashing BGM

Unconsciously,

People’s social platform

It seems to have been invaded by a small animal called capybara.

Screenshot of Xiaohongshu

The capybara is named after its pig-like body and good water quality.

Is the largest rodent in the world.

"Life lies in stillness" is its life creed.

The daily state is lazy to move.

Travel mainly depends on the same kind.

Or other animals as a means of transportation

Source: "National Geographic" WeChat WeChat official account

Pecked by ducks, caught by pelicans, and even touched by humans.

Do you think it will run away impatiently

Turns out it’s just

Small eyes narrowed, the body tilted.

Lie down on the spot

besides

The capybara can also sit in one place for a long time.

Whoever comes will be as steady as Mount Tai.

Focus on a Buddhist line of "looking down on life and death"

Source: Beijing Youth Daily client

This stable mental state

It was summed up by netizens as "a sense of relaxation."

Many netizens said:

The capybara is around any creature

There is a sense of indifference of the old monk.

Source: "CCTV One" WeChat WeChat official account

in a short time

This "sense of relaxation" on capybara has been sought after by netizens.

Everyone has said that they want to "convert to the dolphin gate"

Live like a capybara

???

Screenshot of Xiaohongshu

hardly realize

The stable mental state of capybara.

Not only did they gain a large number of fans of "Dolphin Gate"

It also makes them an animal kingdom.

"Social butterfly" and "nice guy"

Can live in peace with many animals.

Small animals are willing to stay with capybara.

Besides their good temper and sense of security.

Another important reason is that

Extremely friendly capybara can provide food for other animals.

The bird landed on the capybara.

Groom capybara.

You can find lice and ticks by the way and have a good meal.

Monkeys do the same thing.

Rummaging for bugs on furry capybara.

Source: "CCTV One" WeChat WeChat official account

Because capybara does not threaten these animals.

So they are also happy to follow the capybara.

Source: "CCTV One" WeChat WeChat official account

in fact

The survival of capybara is not lenient with nature.

A huge figure and a slow and calm personality.

Instead, they became jaguars, caimans and so on.

Perfect prey for large carnivores

But in front of natural enemies

Capybara is not fighting either.

Although they occasionally become a good meal for predators.

But capybara always seems to be happy with it.

There is a kind of "run if you can’t beat it, but forget it if you can’t run".

Source: "yunnan wild animal park" WeChat WeChat official account

See here

Many small partners are eager to try.

Get ready to watch the live capybara.

Actually, in Kunming

Kunming Zoo or yunnan wild animal park.

Can satisfy everyone’s desire to watch capybara.

???

Yunnan Wildlife Park

Spring City Evening News-Open Screen Journalist Zhou Kezhen

In yunnan wild animal park Mengchong Paradise, there are four capybara, each of which is off the charts, cute, harmless and naturally willing to interact with people, just like a "dreamy" planet where people and animals live in harmony.

Kunming Zoo

Screenshot of Xiaohongshu

Kunming Zoo is located in Yuantong Mountain, the northern section of Qingnian Road in Kunming. Founded in 1953, it is one of the top ten zoos and seven zoos in China. There are more than 200 species of Yunnan endemic animals and rare animals at home and abroad in the park. Basically, everything you want to see is here.

Screenshot of Xiaohongshu

Here, there are also two capybara, and bold friends can walk into their "home", hug and feed them, and when they meet cute people in a good mood, they will cooperate with you to put on various POSE, making you the coolest kid in the park in minutes.

Source: "CCTV One" WeChat WeChat official account

in fact

Pleasure and sprout of capybara

Not only in its exterior.

It is even more because netizens are interested in

New interpretation and concept endowments of capybara

Next time there is difficulty.

Why don’t you join the "Dolphin Gate" together?

Handle and solve problems calmly

Be a happy "Capibala"!

Spring City Evening News-Opening News Reporter He Dan

Part of the content is integrated from "CCTV One" WeChat WeChat official account, "yunnan wild animal park" WeChat WeChat official account, Beijing Youth Daily, Yunshi News Colorful Cloud, China Daily bilingual news, and netizens’ comments.

Original title: Capibala ~ Capibala ~ Capibala ~ Ka ~ Pi ~ Ba ~ La ~

Read the original text