In the mirror, the swollen pustules are crowded next to each other and layered, covering the whole face and spreading half of the neck; In the mobile phone, the dunning phone that owes a loan of 10,000 yuan for medical expenses rings again and again. This 21-year-old girl named Zhou Shuan feels really "chic" this time.

　　Five years ago, Zhou Xiaosa graduated from junior high school and left his hometown in rural Gansu to work in Tianjin. "Fighting acne" has always been regarded by this young girl as "the biggest trouble in life". However, she didn’t expect that her eagerness to cure acne was actually a step-by-step routine. Now that acne has not been cured, the phone that urges debt repayment still comes to the door, but she has no way to complain and has hardships.

　　Step by step by routine — —

　　2,000 yuan to 18,000 yuan, no money to borrow.

　　I bought all kinds of acne products and used countless remedies, but the acne on my face grew more and more. This time, Zhou chic decided to go to the hospital for a good treatment.

　　She searched for "Tianjin Hospital for Treating Acne" on the Internet, and the online slogan of a hospital specializing in treating dermatoses immediately touched her — — "Integrated traditional Chinese and western medicine specializes in treating female acne". The website keeps rolling out red, large and bold characters — — "Look at the skin, look for top three famous doctors", it seems that every word speaks to Zhou’s chic heart, and she judges that "it should be a very formal specialized hospital".

　　After getting in touch with this hospital, a person who claimed to be Dr. Kong added Zhou Xiaosao and her brother’s WeChat. After Zhou Xiaosao sent a photo of his face, Dr. Kong initially judged that it was "hair follicle blockage infection" and suggested that "internal adjustment and external treatment can generally recover in 3 ~ 4 weeks". Regarding the cost, he proposed "prepare 2000 first" and called it "wide preparation and narrow use, and the specific face-to-face consultation will explain the cost".

　　According to the appointment number given by Dr. Kong, on June 20 this year, Zhou chic came to this hospital and was received by the director of dermatology. After nearly testing in 300 yuan, the director listed the medical expenses for a course of treatment (one month), including 12,460 yuan for treatment, 2,209.8 yuan for Chinese herbal medicine and 982.95 yuan for western medicine. That is to say, if you want to cure the acne on your face, Xiao Zhou will have to spend 15,600 yuan at a time.

　　"If you can’t cure it, do you want to continue treatment?" In the face of Zhou Shuan and his brother’s questioning, the director replied that "it is almost the same in general" and reassured them that "your money will not be wasted".

　　The monthly working income is only 3,000 yuan, and it is unstable. Zhou Zifeng is a little hesitant in the face of high medical expenses. At this time, the director comforts her, and she doesn’t have to take out so much money at once. Here, she can get an interest-free and fee-free loan. In order to appease her worries, the director also specially emphasized that many people have done it.

　　The nurse took Zhou chic to another room on the same floor, where the staff directly took her mobile phone and asked her name, ID number, address, work and telephone numbers of her parents, brother and sister-in-law. "They all operated and filled in the information for me and taught me how to answer the phone call from the loan platform". Zhou Xiaosa said that the staff told her to lie about her monthly income of more than 6,000 yuan, which proved that she had the ability to repay, and also said that "loans are made like this now".

　　About 10 minutes later, the loan procedure was passed. The total loan for six months was 15,600 yuan, and the overdue interest was one thousandth of the daily interest, that is, the annual interest was 36%. The money was never handled by Xiao Zhou, but directly transferred to the hospital account.

　　After about 20 days of treatment, Zhou Xiaosa told the director that the acne on her face showed no signs of improvement, and the director once again prescribed traditional Chinese medicine for her to take orally. Zhou chic also paid all the cash he had with him, more than 2,000 yuan, to buy medicine.

　　At the end of a course of treatment, I finished taking the medicine and did 9 treatments. The loan and medical expenses paid directly by Zhou Zifeng were almost 18,000 yuan, but the money was spent, and the acne on my face not only did not improve, "the inflammation in many places was worse." Not only that, Zhou said, but she had dizziness and headache after taking the Chinese medicine prescribed by the director of dermatology. After examination, she found that her blood pressure was too low, and she only got better after stopping taking the medicine.

　　She went to the director for advice. The doctor thinks that there is no problem with his prescription and treatment plan, and the reason for the poor treatment effect is "definitely caused by your own diet and irregular work and rest", and said that "it takes a process to treat acne, and you have to persist in treating it, which is sure to be good". When asked how much it would cost to be completely cured, the director told Zhou Shuan, "It may cost another 70,000 to 80,000 yuan. I still have cases where it took hundreds of thousands to be cured."

　　Zhou chic felt that she had fallen into the pit and decided not to continue treatment in this hospital. What she didn’t expect was that she soon received a repayment notice call for the 15,600 loan she owed. When she communicated with this loan platform, she said that she didn’t know how to spend the money at all, and asked the platform to provide the hospital’s medical bills. The other party said that it could not provide it, and repeatedly reminded her, "If you don’t repay on time, we will go to court to sue you, and the consequences will be very serious."

　　Insiders reveal secrets — —

　　Beauty agency may get 30% ~ 60% commission.

　　"From the routine analysis of the above-mentioned case loan, it is a derivative product of the former campus loan, and some people call it a beauty loan." Zhang Xiaotao, an associate professor in the Department of Finance, Department of Management and Economics, Tianjin University, said.

　　Because of a series of problems such as ultra-high interest rates, naked loans and violent dunning, campus loans have been supervised by banking supervision departments, education departments and Internet finance associations, especially since last April, campus loans have entered the stage of centralized supervision, and dozens of online lending platforms have successively withdrawn from the campus loan market. However, some platforms put on gorgeous coats and appeared in another name. "The target is still a group of young people who lack social experience and lack financial consumption knowledge but have a desire to consume ahead of time."

　　The reporter searched the websites of a number of beauty and plastic surgery institutions, and all of them provided diversified medical and beauty staging services with "zero down payment" and "zero interest". In recent years, with the rapid expansion of the domestic medical beauty market to the order of 100 billion, some internet finance companies and financial consumption platforms have also poured into this industry, and some beauty loan platforms focusing on the medical beauty industry have claimed to have obtained tens of millions of financing.

　　An industry insider who did not want to be named believes that "the combination of Internet finance and different industries is the future development trend. The beauty loans and training loans that have emerged in recent years are all new things, and the corresponding supervision is obviously lagging behind. "

　　"When Zhou applied for a beauty loan, the agency claimed that there was no guarantee, no interest and no handling fee. It sounded beautiful, but it just exposed the problems behind it." The source said that no Internet finance company would do anything without profit. "If the profit is not in the light, it may be in the dark."

　　He revealed that there are beauty loan intermediaries between beauty institutions and loan platforms, and their cooperation is often reflected in the sharing. "Intermediaries can get 30% or even up to 60% of the loan amount."

　　Under the "internal cooperation", hospitals or beauty institutions have obtained customers and can get a share; The loan platform has gained customers; The intermediary earned a commission, but the consumer was induced step by step and eventually owed a "debt."

　　In January of this year, the police in Jiangbei District of Chongqing cracked a cash-out case of "beauty loan". The police found out the routine, and the loan intermediary cooperated with a beauty consultant of a beauty hospital to fabricate personal information and apply for a loan from an online finance company. After successfully applying for a loan, the consumer finance company will directly pay the loan to the account of the beauty hospital, and the beauty hospital will pay the money to the intermediary after deducting 30% of the commission. The remaining 70% will be paid to the lender by the intermediary after deducting 40% of the intermediary fee, and some intermediaries will not even pay a penny to the lender.

　　Hyaluronic acid, which is usually worth several hundred yuan, has been raised to several thousand yuan, and the beauty projects done far exceed the normal price. In order to defraud loans, raise consumer prices, and fabricate consumption items, beauty hospitals also deliberately forge one or two items and join hands with intermediary companies to defraud consumer finance companies.

　　"From Zhou’s chic experience, it is difficult for that beauty agency to constitute fraud, because many of them are stepping on the policy gray area, the so-called ‘ Unreasonable but not illegal ’ 。” Zhang Xiaotao said that most deceived consumers have the problems of difficulty in obtaining evidence and defending their rights, so they can’t afford to spend energy and can only admit bad luck.

　　In response to this phenomenon, Nanjing Consumers Association has issued an early warning, saying that intermediaries and beauty agencies collude together and take unconventional measures to fool consumers who have no ability to repay loans. However, some student groups or young people who have just entered the society often become targets and are induced to consume in advance and over-consume.

　　Young people urgently need to make up the lesson of financial knowledge.

　　Having been in contact with college students on campus for a long time, Zhang Xiaotao feels that college students have too little financial knowledge now. "Even those who major in finance are relatively backward in knowledge in books, and now there are endless new things on the market, which makes people overwhelmed."

　　Nowadays, the consumption concept of young people after 90 s and 00 s has long been different from that of their parents. Previously, Tianjin University had published a survey report on college students’ online credit consumption. The report shows that 29.03% of college students have applied for loans, and more than 60% of them have made loans through online platforms. It can be seen that the Internet lending platform has become the main channel for credit loans for college students. The consumption pattern of credit consumption and advanced consumption is especially recognized by the new generation of post-90s college students.

　　"For college students who are about to enter the society from campus, it is urgent to make up the lesson of financial management knowledge." Zhang Xiaotao thinks that this may be more practical than learning more about history and geography.

　　Tao Hui, a lawyer of Tianjin Sifang Junhui Law Firm, suggested that consumers must enhance their awareness of self-protection and be responsible for their actions. First of all, we should have a rational concept of consumption. Once we sign a contract or show our personal documents, we should think twice carefully, especially to study the terms of the contract repeatedly.

　　She suggested that young people should cherish their credit records. Some consumers can’t refuse to pay back because they think they are victims, because since the contract is signed, microfinance companies do have the right to ask consumers to pay back the money. "Otherwise, they will leave indelible stains on their credit records, which will affect their lives."

　　China Youth Daily Zhongqing Online Reporter Hu Chunyan

All relevant units:

　　"Shenzhen demolition and reconstruction of urban renewal units old houses and villages range identification method" has been approved by the municipal government, is hereby issued, please follow.

　　shenzhen city planning and land resources committee

　　February 9, 2018

Measures of Shenzhen Municipality on Determining the Scope of Old Houses and Villages in Urban Renewal Units for Demolition and Reconstruction

　　the first　 In order to promote the urban renewal in our city and further standardize the identification standards and procedures of the old houses and villages, these measures are formulated in accordance with the Decision of Shenzhen Municipal People’s Government on Implementing the Reform of Urban Renewal (Order No.288 of Shenzhen Municipal People’s Government) and the Interim Measures on Strengthening and Improving the Implementation of Urban Renewal (No.38 [2016] of Shenfu Office).

　　the second　 The term "old house village" as mentioned in these Measures refers to Futian, Luohu, Nanshan and Yantian four districts before the implementation of the Interim Provisions on Rural Urbanization in Shenzhen Special Economic Zone, and Baoan, Longgang, Longhua, Pingshan, Guangming and Dapeng six districts (including new districts) before the implementation of the Interim Measures for Planning and Land Management in Baoan and Longgang District of Shenzhen (hereinafter referred to as the Provisions or the Measures).

　　Article　 Buildings (structures) and public service facilities that meet one of the following circumstances can be included in the scope of old houses and villages:

　　(1) Old (ancestral) houses that have been built before the implementation of the Regulations or the Measures (including cases where the wall foundation still exists due to collapse or abandonment due to disrepair and other reasons).

　　(2) The old (ancestral) houses that were built before the implementation of the Regulations or the Measures were rebuilt, added, rebuilt and expanded before June 2, 2009, which did not involve the expansion of the building basement, and the total construction area after reconstruction, addition, reconstruction and expansion did not exceed 480 square meters.

　　(3) Public services such as education (kindergartens, nurseries, village primary schools, etc.), medical and health care (health centers, public toilets, etc.), transportation (village roads, streets, hutongs, etc.), folk activities (auditorium, ancestral temple, etc.), administration and community services (village committees, farmers’ markets, etc.) that have been built before the implementation of the Regulations or Measures.

　　(4) The total amount of public spaces and other scattered land that have been built before the implementation of the Regulations or Measures shall not exceed 10% of the total land area of the old house village and the total area shall not be greater than 3,000 square meters.

　　(5) Private houses that have been built before the implementation of the Regulations or the Measures, and have been handled with real estate licenses in accordance with the provisions of the Shenzhen Special Economic Zone on Handling Illegal Private Houses Left over from History.

　　Article 4　 Buildings (structures) and public service facilities under any of the following circumstances shall not be included in the scope of old houses and villages:

　　(1) Factory buildings and other production and business premises.

　　(2) The old (ancestral) houses built before the implementation of the Regulations or the Measures, which have been rebuilt, added, rebuilt or expanded after the implementation, have a building area of more than 480 square meters, and have been rebuilt, added, rebuilt or expanded after June 2, 2009.

　　(three) the public service facilities that have been built before the implementation of the Regulations or Measures are no longer used for public service functions, and are rebuilt, added, rebuilt or expanded after June 2, 2009.

　　(four) after the implementation of the "Regulations" or "Measures", the newly built private houses and various public service facilities on the open space.

　　(5) Except for the circumstances specified in Item 5 of Article 3 of these Measures, the state-owned land and its overground buildings (structures) that have been sold and incorporated into the state-owned land reserve, and the state-owned land whose land and overground buildings (structures) have been transferred and compensated in Luohu, Futian, Nanshan and Yantian districts, and the six districts of Baoan, Longgang, Longhua, Pingshan, Guangming and Dapeng (including new districts) have been completed.

　　Article 5　 The boundary of the old village can be determined in accordance with the following principles, combined with the actual construction, topography and other conditions:

　　(a) the old (ancestral) houses, public service facilities and other buildings (structures) can determine the boundaries of walls, courtyards, ground baselines, cadastral survey boundary lines, and the median distance from surrounding buildings.

　　(two) public space can be defined by roads, rivers, slopes, ditches, fences, buildings and other sideline lines.

　　Article 6　 The identification of the scope of the old house village shall be carried out in accordance with the following procedures:

　　(a) before the declaration of the urban renewal unit plan, the former rural collective economic organization’s successor unit put forward an application for preliminary verification of the scope of the old houses and villages to the urban renewal institution in the district where it is located, and the urban renewal institution in the district issued preliminary verification opinions; After being included in the urban renewal unit plan, the original rural collective economic organization’s successor unit or its entrusted plan declaration entity (hereinafter referred to as the applicant) shall apply to the urban renewal institution in the district where it is located for the identification of the old house village scope. The applicant shall submit the following materials when submitting an application for preliminary verification and identification of the scope of old houses and villages to the urban renewal institution in the district where it is located:

　　1. A written application from the successor unit (joint-stock cooperative company) of the former rural collective economic organization. The application should explain the old house village’s area, completion time, usage, resident population, property registration of relevant private houses, and whether there are private houses built after the implementation of the Regulations or Measures.

　　2 according to the provisions of the production of the old house village scope submitted to the plan. The submitted map should be made on the actual topographic map, and the location, scope, area and coordinates of the old house village should be marked with relevant electronic documents.

　　The "Regulations" or "Measures" have been built before the implementation, and the old (ancestral) houses that have been rebuilt, added, rebuilt and expanded after the implementation are to be included in the scope of the old houses and villages, and a report on the current situation of the buildings should be provided. Surveying and mapping report on the current situation of buildings is provided by units with surveying and mapping qualifications.

　　The specific scope of old houses and villages should be put forward on the basis of surveying and mapping results provided by units with surveying and mapping qualifications entrusted by the municipal planning and land department before the implementation of the Regulations or Measures. Before the implementation of the "Regulations" or "Measures", there are no such surveying and mapping achievements, and the scope can be proposed with reference to the earliest surveying and mapping achievements after the implementation of the "Regulations" or "Measures". Among them, in accordance with the "Provisions of Shenzhen Special Economic Zone on Handling Illegal Private Houses Left over from History" and other regulations, the private houses that have handled the real estate license must be included in the scope of old houses and villages. If the completion date has been indicated on the real estate license, the real estate license shall prevail. If the completion date is not indicated on the real estate license, the surveying and mapping results shall prevail.

　　3. The written opinions of the street office on the scope of old houses and villages for drawing approval.

　　4 other materials required by the district urban renewal agency.

　　(II) The urban renewal agency of the district shall verify whether the planning (including purple line planning), land requisition and transfer, approval of construction land issuance, transfer of land use right and registration of property rights and related surveying and mapping results meet the requirements within the scope of the old house village, preliminarily identify the scope of the old house village, solicit written opinions from the cultural relics protection department of the district and organize publicity after processing. Publicity should be eye-catching, including but not limited to the site of the old house village, the street office where the old house village is located, and the website of the district renewal agency. The publicity time is not less than 7 days.

　　(three) the district urban renewal institutions shall deal with the opinions collected during the publicity period, identify the scope of the old houses and issue the scope map of the old houses.

　　Article 7　 The scope map of the old house village shall be made on the actual topographic map and marked with the following contents: name (scope map of the old house village), number, scope area of the old house village, scope coordinates, date of issuance, issuing authority, etc.

　　There are immovable cultural relics, municipal roads above the planned urban branch road (including the urban branch road), public service supporting facilities above the district level and basic ecological control lines within the old house village, which shall be marked.

　　The scope map of the old house village should also explain its use and effectiveness: "This scope map is only used to identify the scope of the old house village in the urban renewal unit of demolition and reconstruction. If the scope of the old house village is not updated, this scope map will not be used as the basis for identifying the ownership of land and buildings and will not affect the implementation of urban planning."

　　Article 8　 The provider of the old village scope identification materials shall ensure the authenticity of the relevant materials, and shall bear legal responsibility for the consequences caused by providing false materials according to law.

　　Relevant competent departments and their staff in the old house village scope identification work in violation of laws and regulations, shall be given administrative sanctions or accountability; Suspected of a crime, transferred to judicial organs for handling according to law.

　　Article 9　 These Measures shall come into force as of the date of promulgation, and shall be valid for 5 years. The Measures for Determining the Scope of Old Houses in Urban Renewal Units in Baoan District, Longgang District, Guangming New District and Pingshan New District of Shenzhen (for Trial Implementation) (Shen Gui Tu [2010] No.439) shall be abolished at the same time.

Recently, Mr. Lu, a citizen of Hangzhou, received a message: "Recently, the functions of ATM‘’s’ cash withdrawal without card’ and’ code scanning deposit’ in mobile banking have been suspended. If you need to withdraw money from self-service machines, remember to bring your bank card." When he talked to his relatives and friends around him, he found that many people had received similar notices during this period.

A number of banks announced the suspension of card-free deposits and withdrawals.

According to Securities Times. com, in recent years, many state-owned banks and joint-stock banks, such as Bank of China, China Construction Bank, China Everbright Bank and China CITIC Bank, have announced the suspension of card-free deposit and withdrawal related businesses.

Recently, the Bank of Communications announced that in order to promote high-quality business development and strengthen risk management, the reservation withdrawal service in the card-free withdrawal function of personal mobile banking will be stopped on May 24, 2024. Customers can still apply for card withdrawal, code scanning withdrawal or go to bank outlets to apply for withdrawal business through Bank of Communications intelligent machines.

It is understood that customers can make an appointment for "card-free withdrawal" on the mobile banking of Bank of Communications before, and preset the reservation verification code and reservation amount when withdrawing money without a card. After making an appointment, they can withdraw money at the bank ATM without a card.

Before Bank of Communications, another state-owned bank, Agricultural Bank of China, suspended the card-free withdrawal service of its mobile banking, but customers can still handle the related business of cash withdrawal at outlets by means of card reading, palm-scanning code withdrawal and face-brushing withdrawal.

In addition, CITIC Bank also cancelled this business this month. CITIC Bank announced that "the cash self-service equipment authorization code withdrawal function has been closed on May 17th".

Related business has been tightened for nearly two years.

Since August 2022, some banks have tightened the card-free deposit and withdrawal service.

According to the announcement issued by China Construction Bank, the reason why the bank deployed the two-dimensional code deposit function of ATM is to improve its service ability to cardholders. After this function is turned off, customers can choose to open the service of "face brushing" to handle ATM deposits. In addition to China Construction Bank, China Bank, China Guangfa Bank and China CITIC Bank have also announced that they will stop the deposit function of ATM QR code.

The reporter noticed that although the card-free deposit and withdrawal service has been tightened, most banks do not directly shut down the card-free cash business of self-service equipment, and services such as scanning code deposits and "brushing face" deposits can still be used. For example, at present, the mobile banking APP of China Merchants Bank can still use the scanning code deposit and withdrawal service, and the QR code withdrawal service does not need a physical card. The mobile banking can scan the QR code generated by ATM, then specify the card number and amount, and enter the withdrawal password on ATM to complete the transaction, with a single card limit of 20,000 yuan per day; Scan code deposit is limited to 50 thousand yuan, and can only survive.

"The ATM equipment of our bank can scan the code to withdraw money, and the scan code deposit needs to be handled by moving the counter." The staff of a branch of ICBC told the reporter that the bank’s self-service equipment can still carry out code scanning and withdrawal service, and it can be operated by scanning the code with the mobile banking APP and entering the withdrawal password. However, the code scanning deposit function of the self-service equipment has been cancelled, and it is now used as a way of counter-free transaction, which is suitable for customers who apply for deposits but do not carry ID cards or physical cards.

"If customers apply for deposits without cards, they can use ID cards or mobile banking scanning codes at the counter, and both methods are verified by the system for face recognition." The staff of a certain branch of ICBC mentioned above suggested that there is a difference in the amount of deposit and withdrawal between them. The ID card can handle the deposit and withdrawal business of less than 200,000 yuan, while the mobile banking can only handle the deposit and withdrawal business of less than 50,000 yuan.

More banks may keep pace.

The reporter combed the announcements of relevant banks on adjusting the card-free deposit and withdrawal business and found that risk management, cost reduction and optimization of financial services have become high-frequency words.

Wang Pengbo, a senior analyst in Broadcom’s financial industry, said that the tightening of card-free deposits and withdrawals of self-service devices was mainly due to user usage and security considerations.

"It is convenient and fast to deposit and withdraw money on self-service devices through mobile banking, and it is easy to be used by criminals." A bank employee told reporters that although most banks’ mobile banking regulations are limited to their own custody and use, cases of lending and buying and selling mobile banking have occurred from time to time.

Wang Pengbo said that the operation process of QR code deposit itself is cumbersome and the convenience of use is not enough. At the same time, the ATM QR code deposit business may not be able to accurately identify the depositor’s identity and confirm the relationship with the payee. In addition, the source and use of funds are hidden, which will make it more difficult for banks to monitor money laundering activities.

Wang Pengbo predicted that more banks will follow up and adjust the card-free deposit and withdrawal business in the future. "The bank deposit and withdrawal business should focus on security, and at the same time meet the principles of identity verification and unity of time and space."

Have you ever used the card-free deposit and withdrawal function?

What do you think of this?

Original title: "A number of banks announced: pause! 》

Read the original text

Today, I recommend a household SUV with good performance. In August, the sales volume was 17,000, which was well received by the market. It’s the 24 models owned by Geely. There are six versions of this model, but Xiaobian today focuses on the latest two versions, namely, its Yun Qi version and its Skyline version, which are priced at 157,700-168,700 yuan, because the two versions are more cost-effective and the configuration is quite good in all aspects. Let’s see which one we like.

exterior

24 L models are modified, but in order to cater to consumers’ aesthetics, the details have been adjusted. The design of the front face is a combination of a four-sided front grille and a straight waterfall-type middle net. The front is surrounded by a penetrating cooling opening, combined with a sharp headlight group, which adds a sense of movement and looks quite atmospheric as a whole. The body size is 4770/1895/1689mm, and the wheelbase is 2845 mm. Although it is positioned as a compact SUV, the excellent wheelbase makes the interior space very spacious.

interior decoration

The 24 models of Xingyue L interior still continue the current design, with 12.3-inch digital LCD instrument, touch high-definition central control screen, touch high-definition passenger screen, 25.6-inch AR-UHD head-up display and other configurations, with up to 26 storage spaces, so that the interior space can be flexibly used.

motive force

The 24 models of Xingyue L are equipped with a 2.0T+8-speed automatic manual transmission. The maximum power of the high-power version engine is 175kw, the maximum torque is 350N·m, the maximum horsepower of the power combination is 238Ps, the zero-speed acceleration takes only 7.5 seconds, and the comprehensive fuel consumption of WLTC is 7.7 oils.

Intelligent driving and safety configuration

Intelligent driving: 24 models of Xingyue L are equipped with adaptive cruise/automatic emergency braking /L2-level assisted driving, which makes driving feel easier.

Safety configuration: A number of safety technologies, such as blind spot monitoring/collision warning, protect the life safety of drivers and passengers in an all-round way. Ultra-safe body structure and active pre-tensioned seat belts improve the safety of vehicles.

Configuration introduction

The guide price of Yun Qi version of 24 Xingyue L 2.0TD high-powered automatic two-wheel drive is 157,700 yuan.

Airbag: equipped with five heads, namely, the main driver/the front side/the front and rear rows.

Intelligent driving: L2-class assisted driving, front and rear lane warning deviation, lane keeping assistance, full-speed adaptive cruise, active braking and other configurations.

Intelligent cockpit: Bluetooth/car phone, voice recognition control system, mobile phone app remote control, 10 speakers, seat made of imitation leather, keyless start/entry, indoor atmosphere lights, etc.

The guide price of 24 Xingyue L 2.0TD high-powered automatic two-wheel drive Skyline Edition starts from 168,700 yuan.

Compared with the Yunqi version, the price of the Skyline version is 10,000 higher, mainly due to the interior upgrade, the rear privacy glass, the AR-HUD augmented reality head-up display, the fur mixed material seat, and the rear independent air conditioner.

Auto Network Review:

Xiaobian, why do you only focus on these two high-powered versions? Because these two high-powered versions are intelligent and more powerful, I still recommend Yun Qi version, because the Skyline version is only adjusted in the interior with an extra 10,000 yuan, but the range is not large, and the intelligent configuration is similar. Consumers who are looking for high-quality interior can choose, but it is more suitable for home use.

　　Cctv news(Reporter Ren Jia, Sun Xiaoyuan, Di Chen, Liu Chen, Li Shanshan): The hot discussion about 996 has been going on for a week. However, whether it is involuntary or enthusiastic, everyone seems to have a question mark in their hearts. Is this life?

　　When I meet like-minded, overtime is also "enjoyable"

　　31-year-old male, operation director of Xiaoxin startup company

　　"For a long time, my wife thought I was having an affair." Xiaoxin smiled awkwardly when he said that he had stayed in the company for half a month and never returned home.

　　In 2018, Xiaoxin resigned from the management position of a large enterprise and chose an entrepreneurial company. The treatment really improved and he got the option, but he frankly chose to leave the original company because he wanted to give himself greater challenges. "In the past, the work can be said to be smooth and smooth, and I have never encountered any setbacks. Maybe it is more complete to feel the hardships."

　　On the day of his resignation, he wrote on the social platform: I am most afraid of doing nothing in my life, and I also said that ordinary is commendable. A colleague left a message "Have courage!" Some people feel that "this behavior is too ‘ Abnormal condition ’ ！”

　　The first day of the new unit was a sleepless night. "Startups are like this. Many things are not formed. It takes a lot of energy to establish standards. What are the future goals? How can products impress users? There are too many things to explore. Fortunately, I met a boss with similar interests, even if I worked overtime all night, it was very ‘ Enjoying ’ 。”

　　In Xiaoxin’s view, his daily work is often not 996, and 007 is also regular. "Three meals a day are almost all takeaways. After I came to my present unit, I gained 8 Jin, which turned out to be ‘ Overworking and fattening ’ It’s not a joke. "

　　Xiaoxin can’t extricate herself from her new job. Until one day, his wife stood in front of him with a household registration book and a marriage certificate and said to him very calmly, divorce! His head felt awkward, and suddenly he found that he really hadn’t spent a long time with his family.

　　Without his wife’s scolding, he began to recall that when the child was sick, his wife took the child to the hospital herself; His parents came to Beijing to play, and his wife arranged the whole process properly. He didn’t show up until his parents left Beijing. At home, when I want to hug my daughter, her daughter hides behind her wife … …

　　Parent-child time and husband-wife time do not exist, only working hours exist. In the end, under Xiaoxin’s remorse, for the sake of the children, the wife made a compromise and chose to forgive.

　　Last week, under Xiaoxin’s matchmaking, the company successfully won an investment. After a simple celebration, several "veteran" figures of the company have devoted themselves to their work.

　　"People say that career and family can’t be taken care of at the same time. Maybe what I am pursuing at this stage is a sense of accomplishment in my career. That sense of gain has nothing to do with money."

　　If it weren’t for the recent "996" work system, Xiaoxin hadn’t thought so deeply about the absence in family life in the past two years. "On the road to struggle, you really can’t just bow your head and pull the car."

　　In a few days, it’s Xiaoxin’s daughter’s birthday. He said that she hoped that she would like the birthday gift prepared for her!

　　I’m the monkey who won’t let go of the nut.

　　Ayao video post-editor 32-year-old male

　　Video post-editor, this is just his identity during the day.

　　In 2018, Ayao typed almost 500,000 words, of which 350,000 words are being arranged by the publishing house, and will be printed in black and white in the middle of this year as the first "book" of his life. Most of the results of this book come from midnight.

　　A year ago, Ayao left the company without leaving his post, and served in the original department as a technical consultant. After a busy day and returning home at night, no matter how tired he is, he must carry out his full-time career — — Writing.

　　"I’m really tired", "I’m very tired" and "I’m so tired that I’m going to faint. You know, I dare not stop" … …

　　During the interview, Ayao expressed his helplessness in his present life more than once, but it was only his helplessness. He could not protest with actions.

　　Working overtime during the day, he volunteered. Because "there is no way to fight, you can’t survive here at all." Everyone is watching your performance. If you don’t work hard enough today, you may try to find a job there tomorrow! "

　　He is willing to stay up late at night. Because he "doesn’t want to walk in the world for nothing, he always wants to do something and leave something meaningful and valuable." On a social platform, A Yao’s remark is "to bring hope to life".

　　When he first came to Shanghai, the young man had six abdominal muscles and thick hair. Now hair loss has become a problem, and there is no muscle line. "In fact, compared with the rising wages and some skills, other losses are quite large, and there is not much happiness, and it is not really worth it."

　　Although I often feel depressed, I don’t know how many times better than before.

　　In the first three years after graduation, he couldn’t find a job, so he drifted to many places with the help of his friends. Rent a village in Guangzhou, you can’t see the light when you open the window, and you can touch the wall of the opposite building by sticking your hand out of the window. I failed to find a job again and again, I couldn’t find a real job, and I even trembled with fear when I saw the job-hunting website … … A Yao deeply remembers that he doesn’t want to wake up every day when it is serious. Dawn is what he fears most. He especially looks forward to the arrival of every night, which can alleviate the guilt of "doing nothing".

　　Now in Shanghai, Ayao specially rented a room facing south, where the sun can shine in. It is a great comfort to have a sunny room in rainy and humid Shanghai. But he still likes the night, and the cause of struggle in the dark.

　　"You can be ordinary and ordinary, and then do a lot of things that you think are meaningful. Your value may be particularly important and precious to some people. "

　　He doesn’t think that everyone should influence the world and refuse "moral kidnapping", "successful kidnapping" and "comfortable kidnapping".

　　But when asked, will you give up your current lifestyle? A Yao said: I want to, but I can’t let go now.

　　He told a story to explain this feeling: when the ancients caught a monkey, they would put some small nuts in the cage, and the monkey put his hand in to catch the nut. After he caught the nut, he couldn’t pull it out with his fist. Until the hunter came, he tried to grab the nut and escape.

　　"I am the monkey, do you understand? But I believe that one day, I will scatter those nuts and don’t want them. I really hope that I can put everything down one day, put aside all worldly eyes, and do something to fulfill myself. "

　　Flag in 2019: Weight reduced from 195 to 160.

　　Department Manager of Laojiang Sales Company is 33 years old.

　　Opening the double-layer security door, the creaking sound of opening the door did not wake the sleeping wife and children in the bedroom, and the light in the living room was still on, and the hour hand pointed to 12 o’clock. Put on pajamas and kiss the sleeping little guy. What makes Lao Jiang happy is that his son has started to get close to him recently and will take the initiative to throw himself on him and call out "Dad"!

　　Seven years ago, Lao Jiang came to Beijing to work hard. Once Xiao Bai in the workplace, he is now a department manager in charge of three districts and more than 1,000 people. For more than seven years, he jumped six levels: "If you don’t fight like this, where can you get a room?" Where did you come from? "

　　"Parents give the background, and it is Jiangshan who works hard." No house, no car, no Beijing hukou. When I first came to Beijing, Lao Jiang had only 2,000 yuan in his pocket, and the first job he found was 6,000 yuan before tax. He rented it in Changying, which is 2 hours’ drive from the company. "At that time, the subway on Line 6 had not been extended eastward, and it was necessary to change buses."

　　Because he lives far away, Lao Jiang often goes out at 7 o’clock in the morning. "It’s good to get home at 21 o’clock. If you catch up with entertainment, you have to go to 11 o’clock in the evening." This work intensity, Lao Jiang has not changed since he entered the business. When catching up with the business node, "I will carry it with my colleagues, and when I am sleepy, I will take a nap in the company for a while."

　　"It’s strange to see him at home at 7 pm!" In the eyes of his wife, Lao Jiang is a workaholic. When their first child was born, Lao Jiang rarely took paternity leave for half a month. "The annual leave is often called back by the leader after less than a week, and sometimes I feel bored when I take a break."

　　"I may be more than 996, and 997 is also common!" Meeting, docking customers and coaching team … … "The competition in our line is also fierce. When you fall down, someone in the company will take your place soon, and all your efforts and efforts will soon be forgotten."

　　Although Lao Jiang’s own job is 996, he does not approve of the full implementation of this working method. "It’s too much for the body!"

　　Often stay up late, eat irregularly, drink and socialize … … Long-term irregular living habits have made ginger in his early 30 s suffer from high blood pressure. "The stomach is not good, and I can’t eat anything with heavy taste and strong irritation. I ate a big bone yesterday, but I feel a little uncomfortable today."

　　In the flag of Ginger in 2019, "Keep exercising twice a week and reduce your weight from 195 to 160" ranked second, while the last time you went to the gym "was already a month ago!" After coming back from a business trip in Shanghai, Lao Jiang must go to exercise. "The body is the capital, and work hard. Without the body, everything is zero!"

　　There is no "free will" in the adult world.

　　Qiao Yan structural designer, 33-year-old male

　　After fighting overtime for more than a year, he finally said goodbye to the past.

　　Qiao Yan, who is in his early thirties, bends his back into a big "C" when he sits down. His height of 1.8 meters, his weight of nearly 200 Jin, his slender limbs and bulging beer belly constitute his main figure.

　　Occasionally, when he looks in the mirror, he will sigh, "Why he is becoming more and more like a giant ‘ Spider ’ ？” But what really worries him is the growing white hair and the sudden shortness of breath one morning and the experience of blackness in front of his eyes.

　　Drawing, revising, reviewing, revising, reviewing, revising, reviewing … … The repeated words almost summed up his work status in the past year. "Some (Party A) give suggestions for revision that night, and they will be needed early the next morning. If several projects are carried out at the same time, they will have to stay up all night."

　　In the "tug-of-war" in which Party A requires "good quality, low cost and high speed" and Party B can only guarantee two conditions at most, overtime work without fixed points has become a common occurrence.

　　Most people work overtime and take a taxi home after nine o’clock, because they are reimbursed for taxi fares. But there are also people like Qiao Yan who live directly in the office at night in order to save the round-trip time on the road.

　　"Tea, coffee and instant noodles are standard. When you are sleepy in the middle of the night, go to the bathroom to have a simple wash and lie on the sofa or folding bed for several hours. When I wake up in the morning, there are often more than a dozen men lying in the office, snoring one after another, and the smell can be imagined. "

　　I changed my job a year ago to be closer to home, but I didn’t expect that "once I entered the unit, my family was like a passerby". It’s normal not to go home for a week.

　　"In fact, the efficiency of overtime work is not high, especially working overtime all night, which is dizzy and prone to mistakes. If something really goes wrong, the responsibility can only be attributed to yourself. " Many times, he especially wanted to get angry and scold "I quit", but he finally endured it.

　　There is not much "follow one’s inclinations" in the adult world. Based on his unfinished projects and his basic sense of responsibility for his work, he handed in his resignation letter on the last working day before the Spring Festival.

　　Qiao Yan’s new job, environment and treatment are not bad. Although I will also work overtime, I don’t need 996 or 007, so I can spend weekends with my family.

　　"Next, I plan to set up a fitness card and get back six abdominal muscles."

　　Select one tenth

　　Xilin Travel Food Writer 80-year-old Female

　　In 2013, Xilin resigned and began to try professional travel. Before that, she worked as a media director in the marketing department of a fashion group. Her job was to promote large-scale activities, and she had to face a lot of media and stars, so her work was very intense. "On one occasion, I stared at a film broadcast on TV and slept for less than 8 hours in 3 days."

　　Because of her work, she met a group of photographers and went to Berlin, Prague and Budapest together. From then on, she became interested in traveling and decided to quit her job and become a professional traveler.

　　1-2 months before each trip, Xilin began to book air tickets, hotels or homestays, find information, design itineraries and routes, and organize her luggage.

　　Traveling looks pleasant, but it’s not easy at all. In order to take a good-looking photo, Xilin often has to get up early and wait for the most beautiful light. Take photos before eating, especially Japanese food. Panoramic view, local view, angle and light should be taken into account, and aesthetic feeling should be presented. After a day’s trip, I have to deal with photo writing and post it on the media platform. Every trip usually takes 1-2,000 photos, or even more. She needs to select about one-tenth of these photos, cutting, coloring and jigsaw puzzles, and retouching alone will take up a lot of time.

　　In addition, there are many uncontrollable factors in the journey. "I went to New Zealand once before, and there was a cameraman with me. Because I was too focused on shooting, I didn’t notice that there was a lake behind me. I accidentally fell into the lake and was later taken to wash my stomach."

　　In 2013, Xilin visited Taiwan Province for the first time and was deeply impressed. After that, I slowly wanted to write a book about small shops in Taipei, so I went to Taipei four times, staying for about 15 days each time, and strolling around the small shops. Three years later, her first book, "Taiwan Province Good Things Search Taipei Life Design Shop", was published.

　　In 2016, my daughter was born. After having children, Xilin’s pace of traveling slowed down, but her love of playing did not change. Her daughter traveled with her in four months.

　　"Traveling with children is actually more tiring." Once in Japan, my daughter was over 1 year old. Xilin was reading a navigation map with her mobile phone, and her daughter said she wanted to help her with her mobile phone. As a result, my daughter took the phone and threw it directly on the ground. At that time, it was still on a bridge, and the phone almost fell into the river.

　　Before the children went to kindergarten, Xilin felt that she was "007" and had a full schedule all day. She often had to write articles and process photos between taking care of the children or at night. "Most of the manuscripts are written at night. After the children go to bed at ten o’clock, I sometimes write at two or three o’clock, get up early the next morning, prepare breakfast, and sleep for almost four or five hours."

　　After the children went to kindergarten, her rhythm changed to 7: 00 a.m. to 10: 00 p.m., sending them to kindergarten in the morning, cleaning up the room and working after coming back, picking up the children from school at 3: 00 p.m., playing with them, cooking and falling asleep. With some time of her own, she is still teaching herself Japanese.

　　"For the life of 996, I have nothing to say. Living in a city like Beijing will not be too easy. Whether you are working or working part-time like me, you will be under pressure. The key is to look at your own choices and persistence. "

　　At the request of the interviewee, Xiaoxin, Ayao, Lao Jiang and Qiao Yan are pseudonyms.

　　(Text/Ren Jia, Sun Xiaoyuan, Di Chenchen, Liu Wei, Li Shanshan)

　　CCTV News:After the program "Endless Long March" was broadcast, not only did the audience respond strongly, but it was also praised by many industry experts. They think that The Endless Long March is well-made and informative, and they also analyze the winning points of the Endless Long March from the aspects of topic selection, production method and communication effect.

　　Professor Yin Hong, School of Journalism and Communication, Tsinghua University: Learning from an old friend never forgets a new heart.

　　The Long March is an epoch-making event in the history of modern China. With interviews and pursuits, The Endless Long March not only recounts the past, but also embodies the indomitable spirit of Chinese heroes and heroes in their pursuit of a democratic and free new China with national independence, people’s liberation and a prosperous country. The form of historical documentary makes this thematic narrative have a sense of history, and produces the communication effect of reviewing the old and learning the new, and never forgetting the original heart.

　　Professor He Suliu, Deputy Minister of Journalism and Communication, Communication University of China: The Grand Narrative of Individual Life.

　　The Long March can be said to be the ultimate test of existence full of magical colors. From the topic selection, The Endless Long March is full of story and vitality. From the point of expression, it combines the essence of TV news and documentaries, cuts in from a small incision, and restores memories from the perspective of the ordinary Red Army. The Unknown Hero shows the mysterious radio communication troops, The Young Red Army shows the transformation of young Red Army soldiers, and The Woman Hero tells the story of the female Red Army, bearing the grand narrative of the Long March with individual life experiences. But the length of 20 minutes breaks the limitation of traditional documentary, which is more suitable to spread in the new media environment.

　　Beijing Normal University School of Journalism and Communication ExecutiveProfessor Yu Guoming, Dean: Appeal to Emotion and People’s Will

　　The Long March is a miracle in the history of human civilization, which contains rich meanings, and the meanings are different in different periods and different moods, and this endless Long March just shows this richness and surpasses the achievements of real achievements. Especially in the specific background of social transformation, The Endless Long March mobilizes audio-visual language, shows the relationship resources and emotional resources between communist party and the people with details such as military songs and military discipline, shows the sense of identity generated by the warmth of the people, reveals the periodic law of social history, and shows the aspirations of the people in power in communist party. The application of these techniques, such as the repetition of the original song and scene simulation, not only creates a sense of presence and immersion, but also mobilizes emotional resources and connects the audience’s cognition. The highest state of audio-visual art is to appeal to emotion and promote narrative with emotional power.

　　Professor Sun Zhenhu, Director of Undergraduate Teaching Office, Department of Journalism and Communication, China Communication University: Unique Exploration.

　　The 12-episode special program "Endless Long March" produced by the News Review Department was broadcast in prime time on the news channel from October 8 to 19. This program has several innovations and is worth popularizing and learning.

　　First, the news language documentary creation

　　This program was broadcast on news channel and Focus Interview. Because of the time limit and channel characteristics, the program was created as a documentary in news language. The combination of these two types of programs makes the program not only have a short, flat and fast high-rhythm narrative, but also keep the fullness of the characters’ personality and the temperature of narrative, and can spread a large amount of information in a short time, with a degree of relaxation and rigorous structure. This production method is also very consistent with the characteristics of new media video communication, so it has also received more than 600,000 clicks every day in the communication of new media, which can be said to be a good attempt of cross-screen communication. This is also based on the creator’s exploration of combining news language with documentary creation.

　　Second, the fieldwork in the sense of sociology and history

　　Historical documentaries often have historical value, and most of them are interested in collecting unpublished historical materials, but this program has made new explorations in this respect. First of all, the statement of the existing historical materials in the program is more about the way of independent investigation, rather than what others say, and it is hoped that the witnesses or witnesses of the incident can show up, so the program group conducted a large-scale interview with the old Red Army as much as possible. This is not only a rescue excavation of historical materials, but also a discussion on the way of creation with both sociological and historical methods. It should be a large-scale social investigation, which is an interdisciplinary creative attempt and worth popularizing.

　　Third, the image expression with great sense of the times

　　It is easy for the theme of historical documents to be old-fashioned, regular and lacking in new ideas in image expression. Based on contemporary imaging technology, this film can combine three-dimensional animation, scene reproduction, drone shooting and other creative methods, so that the image has a film-like fine picture quality in detail expression, and has a sense of the times in drone aerial photography in scene shooting, thus expressing the image’s sense of the times very fully, with great appeal and spirit of the times, and avoiding the shortcomings of historical documents, such as "full content and outdated image".

　　Zhou Dongyuan, deputy editor-in-chief of the former New Film Production Center: Really simple and moving people with emotion.

　　The 12-episode series "Endless Long March" has a clear background and rich and touching details. The whole story-telling technique was adopted, which moved the audience with full feelings. Especially for the younger generation, these stories are unheard of and shocking. The series of programs subtly moisten people’s hearts with the vivid deeds of the Long March heroes and the eternal spirit of the Long March. The real and simple narrative communication effect is far better than the empty "high-level" tone!

　　Professor Zhou Xiaopu, School of Journalism, Renmin University of China: Well-made and informative.

　　Endless Long March strives to find new materials and new perspectives to commemorate the 80th anniversary of the victory of the Long March. The film replaces slogan-style propaganda with shocking stories, trying to find the fit between history and reality, and showing the revolutionary spirit of Red Army soldiers who are United for their ideals and are not afraid of sacrifice. The program corresponds the map diaries in the newly released Diary of the Long March to the real environment, and interviews many old Red Army men with an average age of over 95, focusing on their photos in the Long March and telling the stories in the photos. This shows that the director has done a lot of research work and is not satisfied with the existing routine stories. It shows that the works are written in depth, carefully produced and the whole film is rich in information.

Text |VCPE Reference Li Zixuan Zhou Jianyu

Editor | Li Youran

The tree attracts the wind, and the ecological chain laid out by Xiaomi for many years is controversial.

Recently, there are rumors in the market that the eco-IPO policy represented by Xiaomi has changed significantly. "At present, the projects involving Xiaomi’s industrial chain under review in science and technology innovation board and GEM have been investigated, and the IPO policy concerning Xiaomi’s industrial chain is limited."

In response, the CSRC responded on March 29th, saying, "I will pay attention to some articles about the significant changes in the IPO policy of Xiaomi’s industrial chain from the media. In this regard, we made it clear that we did not introduce IPO restrictive policies for enterprises related to Xiaomi industrial chain, nor did we carry out special investigations. "

Subsequently, Xiaomi also responded to this matter in its official Weibo, saying that "recently, a large number of distorted, fabricated and unfounded false rumors have been published by the media against our eco-chain and related investment business", and said that a lawsuit has been filed against it and a trial will be held in the near future.

Xiaomi has carefully laid out the ecological chain for eight years. Is the IPO of related companies blocked because of Xiaomi? Will the ecological chain layout touch the regulatory red line?

VCPE Reference (ID:vcpecankao) tries to find the answer through Xiaomi’s investment layout, its impact on the invested enterprises and the opinions of professionals.

01　We have invested more than 500 companies in 8 years, and our manufacturing is a good idea.

Xiaomi has been laid out for 8 years, and with the business adjustment in each period, a huge industrial ecological chain has been built.

At the end of 2013, Xiaomi started the "Eco-chain Investment Plan". According to the enterprise investigation, Xiaomi carries out ecological chain layout through three platforms, one of which is direct investment through Xiaomi and its Hanxing Venture Capital Co., Ltd.; The second is indirect investment through two private equity institutions wholly owned by Xiaomi-Tianjin Jinxing Venture Capital Co., Ltd. and Xiaomi Private Equity Fund Management Co., Ltd.; Thirdly, the investment is made through Xiaomi Changjiang Industrial Fund jointly initiated by Xiaomi and Hubei Changjiang Economic Belt Industrial Guidance Fund Partnership (Limited Partnership).

As for Shunwei Capital, which is often mentioned by the outside world, it is more like a financial return-oriented institution established by Lei Jun for his angel investment dream. Only when encountering a project with strategic value, the investment department of Xiaomi Group will join hands with Shun.

It is worth noting that Xiaomi’s different investment platforms have different emphases, which also shows that Xiaomi will adjust the investment layout according to business expansion in different periods.

In the early days, Xiaomi’s strategy focused on using mobile phones as Internet terminals to connect the needs of all parties. From this, we can see that the most invested areas at that time were cultural media, hardware and enterprise services.

Around 2013, Lei Jun saw the popularity of intelligent hardware, and intelligent life products became its more concerned subdivision track, such as Roborock (688169.SH), a sweeping robot manufacturer, and Zimi, an intelligent hardware manufacturer acquired by Xiaomi.

Since then, Xiaomi has invested in companies such as Iqiyi (IQ.US), Fun Headline (QTT.US) and Jinshan Cloud (KC.US) in cultural media and corporate services.

Hundreds of rivers end up in the sea, and several major investment sectors complement each other. Unconsciously, Xiaomi has woven a large and comprehensive investment ecological network.

According to the statistics of business cards, Xiaomi has made a total of 521 investments, involving 17 fields. Among them, the top three investment times were manufacturing, hardware and cultural media, with 94, 76 and 59 investment events respectively, accounting for about 18%, 15% and 11%.

Among them, in addition to the investment department of Xiaomi Group, the Xiaomi Changjiang Industrial Fund has the highest frequency at present, with a total of 123 investments in five years, mainly focusing on semiconductor, hard technology and other related fields, such as Weilan New Energy, a solid-state lithium battery developer, and Zonghui Xinguang, a photoelectric semiconductor developer, Sagitar Juchuang, a multi-line laser radar developer, and Black Sesame Intelligent, an autonomous driving computing chip.

In addition, Xiaomi Private Equity Fund, which was established less than one year ago, contributed 10 investments. With Xiaomi’s ambition to build a car, it invested in automobile-related enterprises such as Zhilu chilye, a new energy vehicle parts provider, Aitek Automotive Electronics, a high-end controller chip developer, Qixin Micro Semiconductor, and Internet of Things technology-related enterprises such as Youzhilian Technology and Jiangyan Intelligent.

However, as an Internet company with mobile phone, intelligent hardware and IoT platform as its core, Xiaomi’s investment field is slightly extensive, but its layout is still perpendicular to its main business field.

In terms of investment rounds, Xiaomi entered the market earlier, mostly in Angel Round, A Round and B Round, with 121, 86 and 61 investment times respectively, accounting for 23%, 17% and 12%. This may be related to "Lei Jun has a hobby of angel investment".

In general, Xiaomi’s seemingly complicated investment ecological chain actually has a clear strategic layout. Xiaomi has its own logic on how to divide the control and investment details in the main line.

02Nearly 30 companies went public, and many companies entered the countdown to listing.

According to incomplete statistics, at least 30 of the eco-chain enterprises invested by Xiaomi have successfully listed, and most of their businesses are distributed in the fields of intelligent hardware and advanced manufacturing, and a few are financial and entertainment companies, which are coordinated with the business layout of Xiaomi’s hardware, finance and Internet.

However, the stock prices of these companies after listing show a picture of ice and fire at home and abroad.

Perhaps influenced by geopolitics, listed companies in US and Hong Kong stocks have experienced different degrees of decline. As of the close of March 31st, the share price of ZEPP.US was 2.87 USD/share. When it was first listed, its issue price was 11 USD/share. VIOT.US also dropped from the issue price of $9/share to $1.85/share; PINTEC titanium (PT.US) even dropped from the issue price of $11.88/share to $0.59/share.

The poor stock price performance of listed companies in the ecological chain has also affected Xiaomi’s finance.

Previously, science and technology innovation board Daily quoted Luo Pan, a teacher in the financial field, as saying, "In recent years, the market value has been sharply adjusted back, which has seriously affected the fair value and further reduced the profit of Xiaomi".

According to Xiaomi’s latest financial report, by the end of 2021, Xiaomi had invested 390 foreign companies, while at the end of 2020, this figure was still 310, and at the end of 2019, it was 290. Despite the increasing number of foreign investments, the fair value of Xiaomi Group’s investment at fair value through profit or loss in 2021 was 8.132 billion yuan, a decrease of 38.3% compared with 13.2 billion yuan in 2020.

However, most companies listed in China have gratifying market performance. For example, as of the close of March 31st, the share price of No.9 Robot (689009.SH) doubled after its listing in science and technology innovation board, from the issue price of 18.94 yuan/share to 44.10 yuan/share; Lihexing (301013.SZ), listed on the Growth Enterprise Market, had an issue price of 8.72 yuan/share at the time of listing, and now it has risen to 18.9 yuan/share.

In addition, a number of Xiaomi Eco-chain companies are queuing up for IPOs in science and technology innovation board and Growth Enterprise Market, and many of them are only a short walk away from listing.

Weijie Chuangxin (688153.SH) has officially launched science and technology innovation board IPO subscription; The initial inquiry time of Fengxiu Technology (688279.SH) is April 6th.

In addition, Sitway (Shanghai) Electronic Technology Co., Ltd. also entered the countdown to listing. On March 29th, official website, the China Securities Regulatory Commission, approved that it would register the initial public offering of shares with Tewei science and technology innovation board in accordance with legal procedures.

Among the companies that have not yet been listed, there are also many star companies that Weilan New Energy, Weizhao Semiconductor, Aibi Intelligent, and Newlink are betting on.

Among them, Weilan New Energy, a developer of solid-state lithium batteries, has frequently received hundreds of millions of large-scale financing in recent years. The investors behind it include well-known enterprises such as Huawei, Weilai and Geely, and the latest valuation has reached 15 billion yuan. In addition, after the completion of the C round of financing in September last year, the valuation of Black Sesame Intelligence also reached nearly 2 billion US dollars (about 12.7 billion yuan). Newlink, an energy digital open platform, reported the news of listing in Hong Kong at the beginning of the year.

03How to hedge the layout ecological chain?

By combing the IPO situation of enterprises in the Xiaomi ecological chain, VCPE Reference (ID:vcpecankao) found that since 2018, companies have succeeded in IPO almost every year, but there are also cases where the listing is not so smooth.

Fun Sleep Technology passed the IPO review in 2021 and submitted for registration, and was inquired twice by the CSRC at the end of 2021 and the end of January 2022 respectively.

In an inquiry letter, the CSRC asked Fun Sleep Technology to explain "the reason why Xiaomi has always been the main sales channel, and the efforts to expand third-party online platforms and unrelated sales channels are relatively small, and whether there are related obstacles".

Subsequently, the CSRC sent a second inquiry, pointing out that "the company takes Xiaomi e-commerce platform as its main sales channel", asking the issuer to explain "whether there are any special treatment or preferential treatment in Xiaomi platform sales, promotion, rebate, etc." and it is necessary to "compare and analyze whether there are differences in the sales policies of the company on the main e-commerce sales platforms".

Then, is [eco-chain company terminating IPO] really related to [Xiaomi’s large-scale layout of eco-chain]?

Industry insiders told VCPE Reference (ID:vcpecankao), "The core of the’ independence’ problem in this case lies in the’ big customer’, that is, whether the order number of Xiaomi, a big customer, accounts for too much in the total transaction volume of the IPO reporting company. Faced with the question of’ independence’, the company should explain clearly the rationality of excessive customer concentration, the sustainability of the transaction and its own hematopoietic capacity. "

Another senior investment banker, Wang Jiyue, told VCPE Reference (ID:vcpecankao) that "the failure of IPO was caused by Xiaomi" was just the rhetoric of the defendant media.

In this case, under what circumstances will large companies cause the IPO of eco-chain related companies to be blocked?

Wang Jiyue believes that the crux of the problem lies in "whether the business volume brought by industrial linkage is sustainable, whether it is only to help the listing to rush performance, and how much impact it has on the industry." If before the IPO, the enterprise can fully disclose the financial data, put the risk warning in place and sort out the solutions clearly, this will not necessarily become a problem. 」

Song Qinghui, a famous economist, told VCPE Reference (ID:vcpecankao) that at the external public opinion level, as long as there is no major public opinion, it will generally not cause the IPO of Xiaomi Eco-chain related companies to be blocked; If the public opinion is out of control, it will not only affect IPO pricing, meeting and other procedures, but even lead to IPO "abortion."

With the fermentation of public opinion, there are rumors in the market that Xiaomi will touch the red line of antitrust.

In this regard, Wang Jiyue believes that "whether it violates the Anti-Monopoly Law depends on whether the core enterprises that lay out the ecological chain have a dominant market position. Xiaomi’s ecological chain layout is only an investment, not a holding type, and it is not exclusive, so it generally does not involve the Anti-Monopoly Law".

As for the "disorderly expansion" that makes people talk about it, Song Qinghui said: "The disorderly expansion of capital means that capital alienation makes capital deviate from its established track, causing great risks to economic and social levels and even endangering the stability of the overall situation."

Wang Jiyue believes that "the layout of Xiaomi ecological chain belongs to normal industrial linkage".

Finally, Song Qinghui emphasized that "the mass reaction triggered by one incident is actually revealing the hidden truth of society, which is worth pondering. The reason why Xiaomi sued a media for spreading rumors that Xiaomi’s eco-chain enterprises are restricted by IPO policy is mainly because the disorderly expansion of capital in recent years has endangered national security and the bottom of people’s lives. If it is not guided and regulated, it will definitely impact the economic and social development order, such as the development space of small and medium-sized enterprises being compressed and squeezed out.

What do you think of this public opinion event? Welcome to leave a message in the comments section.

According to the Insight Report of Insurance Market Segments released by the User Research Center of Shuidrip Insurance, more than half of users are willing to buy all insurance products on the Internet platform, and "claim", "product" and "brand" are the three most important aspects for users. This processing compensation includes "the authenticity of claims" and "claims service".

Some interviewed users said: "It is very convenient to buy insurance online and the communication is very efficient. However, in case of complicated situations when making claims, I still hope to have professional and reliable guidance, and it is better to take a trip offline. "

In order to solve the pain points of users’ claims, Didi Bao has continuously optimized its own assistance claims system. In September this year, it launched the "Water Drop Assistance Compensation" to comprehensively upgrade the compensation assistance service, helping users to compensate quickly and let users feel at ease.

It is worth noting that, in order to further enable users to have a better claim experience, the pilot project of offline assistance claims was officially launched in November this year, and the first city was selected in Beijing. At present, the first user who used the offline compensation service has received the claim payment, and a number of compensation cases are being promoted.

Get through the last mile of the compensation, and the water drop will help the compensation to expand the service to the offline.

In September this year, Didi went online to help compensate, and the eight co-compensation services were comprehensively upgraded. The platform assisted the comprehensive coverage of claims services-1) helping to intelligently summarize information; 2) help the initial judgment of responsibility; 3) help to speed up the aging; 4) help the elderly; 5) help to deal with disputes; 6) Help protect rights reasonably; 7) help risk review; 8) Help to customize on demand. In addition, the four tools of "Claims Help Card, Hospital Help Check, Claims Data Manager, and Help the Old to Pay Claims" have been launched to enhance the self-service claims experience for users.

According to the person in charge of the water drop compensation, after the online water drop compensation on the platform, the user experience has been greatly improved. Some users feedback that "these tools and services have enabled them to learn a lot about claims, and they are no longer unfamiliar with claims, and the efficiency of claims has also improved".

At the same time, the platform also found that some users are affected by various factors and have a strong demand for offline compensation. Most of these users are "elderly people, people who are lack of energy after illness and danger, and people who can’t understand the rules of applying for claims and can’t complete data collection for various reasons" and so on.

In order to get through the "last mile" of co-compensation, the pilot project of offline assistance for compensation was launched, and the first city was selected in Beijing.

The person in charge of the water drop help compensation said: "We cooperated with the company’s offline broker team to sink the claims offline, and provided online and offline linkage assistance claims service for users who have the demand for offline compensation services and the initial judgment of the case meets the pre-audit standards of insurance companies. The first pilot city is located in Beijing. Offline compensation is an important service for water droplets to help pay compensation in the next 2-3 years. In 2023, our offline compensation service will gradually expand to Wuhan, Shenzhen, Xi’ an and other cities. "

Implement "online? Offline linkage mode, offline compensation makes users more "specific" about the platform.

The phrase "claims are difficult and slow" cannot fully summarize the anxiety and helplessness of users when making claims. In this regard, Mr. Wang who lives in Beijing has a deep understanding.

Mr. Wang had an unfortunate cerebral infarction in 2021. After being rescued, he remembered that he had an insurance policy and contacted the insurance company with a try attitude. However, due to the serious illness at that time, the treatment also made him exhausted, and it was impossible to collect the claim data, so the claim was put on hold. When Shuidibao paid a return visit to users this year, Mr. Wang mentioned that "he had a cerebral infarction last year, but he didn’t know how to make a claim, so he didn’t pay for it." The returning visitor of Shuidibao immediately transferred Mr. Wang to the claims department for assistance.

Xiao Gao, a compensation consultant for Shuidi Gang, initially judged that Mr. Wang met the compensation rules according to the insurance policy and the information he had. He contacted Xiao Zheng, an offline agent in Beijing, and synchronized the sorted list of claims to Xiao Zheng. After Xiao Zheng visited Mr. Wang’s home, he found that Mr. Wang’s medical record was missing, and the payment bill was mixed with various payment receipts of other family members, which could not meet the requirements of this application. Then, Xiao Zheng accompanied Mr. Wang to the "beijing jishuitan hospital" where he went to see a doctor at that time, ran to many departments, printed all the information needed for claim settlement and sent it back to Xiao Gao. Xiao Gao initially judged that the information was complete. After communicating with Mr. Wang through Xiao Zheng, he filled in the information on behalf of Mr. Wang and completed the online report.

During the waiting period after submitting the information, Xiao Zheng visited Mr. Wang on behalf of Shuidi Bangbang to explain the related matters of claim settlement. Mr. Wang has no social security, and if the result is that he can compensate, he will also pay 60% of the compensation after deducting the deductible according to the contract. This makes Mr. Wang know fairly well. Due to the professional and sufficient preparatory work, the insurance company quickly started the investigation and review process. On November 8, Mr. Wang received a notice of closing the case and was awarded 95,000 yuan. At this point, Xiao Zheng made an interpretation of the claim report for Mr. Wang.

After receiving the claim payment, Mr. Wang customized a banner to give it to Shuidi to help pay for it in order to express his gratitude. Mr. Wang said: "Many people are prone to’ confusion’ in claims settlement. I am very grateful to the water droplets for helping me compensate and helping me solve my difficulties with practical actions! "

(Legend: Mr. Wang and the agent under the drip insurance line)

The person in charge of the water drop help compensation said: "For users, opening the offline compensation service can better help them complete the claim application and solve the claim problem. For the platform, online and offline linkage compensation can make users’ perception of the Internet insurance brokerage platform more concrete, thus promoting users to establish a long-term trust relationship with us. In insurance services, claims service is a very important part. Water droplets will continue to optimize the co-compensation service system and strive to give users a better claim experience! "

Middle-aged people tend to be more interested in sedate models. The atmospheric design and exquisite interior are the characteristics of such models, which are excellent choices for going to work or picking up children. As a medium and large car, there are many bright spots. Let’s take a look at it together.

Let’s take a look at the appearance of the extreme fox Alpha S. The front of the extreme fox Alpha S looks elegant and avant-garde personality. Then the spirit of the headlight design is adopted, which is quite classy. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, automatic steering, delayed closing and so on. Coming to the side of the car body, the size of the car body is 4980MM*1960MM*1599MM. The car adopts avant-garde lines, and the side wall presents an elegant design style. With large-size thick-walled tires, the shape is quite cold. In the rear part, the overall shape of the extreme fox Alpha S echoes the front face, and the taillights are very individual and neat.

In terms of interior, the interior looks very young and individual, and the overall design is very individual. The steering wheel of the car is very young and made of genuine leather, showing a sense of atmosphere. From the central control point of view, the car decoration has a fashionable touch-control LCD central control screen, which makes the interior style impressive and conforms to the mainstream aesthetics. Let Xiaobian introduce the dashboard and seats. The car is equipped with a hard-core dashboard, and the information is easy to read and clear. The car adopts imitation leather seats, and the seats are wrapped in place, which further improves the comfort of drivers and passengers.

The polar fox Alpha S is matched with the gearbox, which is 252KW and 370N.m, and the power performance is good.

The car is equipped with car networking, driving mode selection, remote control key, Bluetooth key, interior atmosphere light, traction control (ASR/TCS, etc.) and other configurations, and the configuration has reached the mainstream level of the same level.

Such a car with the right price is enough to meet the daily practical needs, and it doesn’t take much thought to maintain it at ordinary times, and the cost performance is good. As long as you like it, go ahead and buy it.

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The front face of Xingyue L is elegant and elegant in design, with a family-style straight waterfall air intake grille and chrome-plated decoration, showing a sense of luxury. The headlight group is sharp in shape and integrated with the grille, showing a modern feeling as a whole. The body lines are smooth, and the side is decorated with chrome trim, which improves the quality of the whole vehicle. The rear part of the car is simple and stylish, and the LED taillight group has high recognition when it is lit. On the whole, the design of Xingyue L not only shows a sense of strength, but also is full of fashion.

Xingyue L has a length, width and height of 4770*1895*1689mm and a wheelbase of 2845mm. With 245/45 R20 tires, it shows smooth body lines and atmospheric visual effects. The rim is 20 inches in size, which increases the overall strength of the car body. The front and rear wheel tracks are 1610mm, which ensures the stability and handling performance of the vehicle.

The interior design of Xingyue L adopts a simple style without losing the sense of science and technology, and the overall layout is reasonable, creating a warm and comfortable atmosphere. The leather steering wheel not only has a delicate touch, but also supports manual adjustment up and down and back and forth, ensuring the driver’s comfortable operation. The center console is equipped with a 12.3-inch high-definition touch screen, which integrates the functions of multimedia system, navigation, telephone, air conditioning and skylight control, and supports voice recognition control, which is convenient and fast. The car is also equipped with rich interfaces, including two USB and Type-C interfaces in the front row and two in the back row, as well as the wireless charging function of the front mobile phone, which meets the various needs of modern users. In terms of seats, Xingyue L is made of high-quality imitation leather. The driver’s seat has the functions of front and rear, backrest, height and lumbar support adjustment, and has heating, ventilation, massage and headrest speakers (driver’s seat only), while the co-pilot seat supports front and rear and backrest adjustment. In addition, the car also provides the memory function of the electric seat in the driver’s seat and the co-pilot’s seat, as well as the function of adjusting the backrest of the second row seat and tilting the rear seat in proportion, which improves the comfort and convenience of riding.

Xingyue L is equipped with a 2.0T L4 engine with 238 horsepower, with a maximum power of 175 kW and a maximum torque of 350 Nm. With an 8-speed automatic manual transmission, it provides abundant power output and a smooth driving experience.

Praised the appearance design of Xingyue L. He thought that the grille design was full of streamline beauty, and the overall look was the most beautiful he had ever seen in many models. Especially compared with Galaxy L7, Xingyue L made him shine at the moment.