China News Service, November 1st, the new policy of online car-hailing was officially implemented, and the legal status of online car-hailing was clarified for the first time from the level of national regulations; the first national standard for anti-smog masks was landed, and it will be difficult for anti-smog masks to "fish in troubled waters" in the future; the fares for routes below 800 kilometers and some routes above 800 kilometers will be independently formulated by airlines according to law… Since today, a number of new regulations have been implemented, involving many aspects of social life, which can be done and which are prohibited, clearly defined, and reminded the public and relevant institutions to pay attention.

　　[The new policy of online car-hailing is officially implemented today. Who can operate online car-hailing?]

　　The "Interim Measures for the Administration of Online Booking Taxi Business Services" jointly issued by the Ministry of Transport and other seven departments will come into effect on November 1. The "Interim Measures" bring the innovative thing of online car-hailing into the scope of taxi management, and clarify the legal status of online car-hailing for the first time from the level of national regulations.

　　According to the regulations, the conversion of private cars to online car-hailing needs to meet the following basic conditions: 7-seat and below passenger cars; installation of vehicle satellite positioning devices and emergency alarm devices with driving record functions; vehicle technical performance meets the requirements of relevant standards for operational safety. At the same time, when the mileage of the online car reaches 600,000 kilometers, it will be forcibly scrapped; when the mileage does not reach 600,000 kilometers but the service life reaches 8 years, it will withdraw from the online car-hailing business.

　　The regulations also specify the following requirements for online car-hailing drivers: obtaining a motor vehicle driver’s license of the corresponding type and having more than 3 years of driving experience; no traffic accident crime, dangerous driving crime record, no drug abuse record, no driving record after drinking, and no record of 12 points in the last 3 consecutive scoring cycles; no violent crime record; other conditions stipulated by the urban people’s government.

　　There are many types and a lack of unified standards. At present, the mask market is chaotic. Many products are labeled as anti-PM2.5, but the protective effect is not satisfactory. In the future, it will be difficult for anti-smog masks to "fish in troubled waters".

　　The national standard for "Technical Specifications for Daily Protective Masks" will be officially implemented on November 1. This is China’s first national standard for civilian protective masks. It is worth noting that the standard clearly states that it "does not apply to infants and young children, children’s respiratory protective equipment".

　　The protective effect is the core indicator of the standard. The protective effect level is set according to the air quality category in the National Air Quality Standard, and is divided into four levels from low to high: D, C, B, and A. According to the national standard, the mask can reduce the inhaled PM2.5 concentration to less than 75 micrograms per cubic meter after wearing, so that the air quality inhaled into the body after filtration reaches a good level or above, which is qualified.

　　[Civil aviation fare reform: self-determined fares for routes below 800 kilometers]

　　The "Notice on Deepening the Reform of Domestic Air Passenger Transport Fares" issued by the Civil Aviation Administration and the National Development and Reform Commission will be implemented on November 1. The notice requires further expansion of the range of market-adjusted price routes, with routes below 800 kilometers and above 800 kilometers competing with high-speed rail EMU trains. Passenger transport fares shall be determined by airlines according to law.

　　At the same time, the airline formulates and adjusts the specific fare types, levels and applicable conditions of the market-adjusted price routes, and announces them to the public at least 7 days in advance. On the basis of the full fare, the cumulative fare increase of the airline’s various routes shall not exceed 10%, and the fare increase of each season shall not exceed 10 routes.

　　[Medical quality management clarifies responsibilities and encourages reporting of medical quality adverse events]

　　The National Health and Family Planning Commission issued the "Measures for the Management of Medical Quality" in October, which came into effect on November 1, 2016. The "Measures" require the establishment of a medical safety and risk management system for medical institutions. Encourage medical institutions and medical personnel to take the initiative to report medical quality (safety) adverse events, and promote information sharing and continuous improvement.

　　The "Measures" require clear medical quality management of the main body of responsibility, organizational form, working mechanism and key links. It is clear that medical institutions are the main body of responsibility for medical quality, and the main person in charge of medical institutions is the first responsible person for medical quality management.

　　[Enterprises that illegally issue unified invoices for motor vehicle sales will be included in the "blacklist"]

　　The State Administration of Taxation issued the "Announcement on the Implementation of the Publicity System for the List of Motor Vehicle Enterprises that Illegally Issue Unified Invoices for Motor Vehicle Sales" on September 27, deciding to implement the publicity system for the list of motor vehicle enterprises that illegally issue unified invoices for motor vehicle sales. The "Announcement" came into effect on November 1.

　　The State Administration of Taxation will from time to time publicize the list of motor vehicle enterprises that issue unified invoices for motor vehicle sales in violation of regulations. The list information can be inquired on the website of the State Administration of Taxation. Motor vehicle enterprises include motor vehicle manufacturers and motor vehicle distribution enterprises.

　　Motor vehicle enterprises will be included in the "blacklist" if they fail to issue invoices for more than 2 times (including 2 times) or if the circumstances are serious; if they issue a unified invoice for motor vehicle sales at a low price in violation of regulations, they issue other VAT invoices resulting in underpayment of vehicle purchase tax for more than 2 times (including 2 times) or the circumstances are serious; if they issue invoices in violation of invoice management regulations resulting in underpayment of vehicle purchase tax for more than 2 times (including 2 times) or if the circumstances are serious.

　　[Implementation of new regulations on the management of basic scientific research business expenses in central universities]

　　The Ministry of Finance and the Ministry of Education recently announced that the "Measures for the Administration of Basic Scientific Research Business Fees in Central Universities" will be officially implemented from November 1. The management measures make it clear that the basic scientific research business fees of central universities will be used to support central universities to carry out independent research work on topic selection. The use directions include: focusing on supporting young teachers under the age of 40 to improve their basic scientific research capabilities; supporting outstanding students in schools to enhance their scientific research and innovation capabilities; supporting the construction of outstanding innovation teams; conducting basic, supportive and strategic research across multiple disciplines; and strengthening the basic work of science and technology.

　　The administrative measures stipulate that the basic scientific research business expenses shall not be spent on the salaries, bonuses, subsidies and welfare expenses of personnel with salary income; shall not purchase large-scale instruments and equipment of more than 400,000 yuan; shall not share the cost of public management and operation of the school; shall not be used as supporting funds for other projects; shall not be used for repayment of loans, payment of fines, donations, sponsorship, investment and other expenditures; nor shall it be used for other expenditures that shall not be charged in accordance with state regulations.

　　Economic Daily-China Economic Net April 22-On April 19, at the BYD booth of the 19th Shanghai International Auto Show, BYD Han, the "global super-safe intelligent new energy flagship car", led the exhibition with new colors of "Energy White" and "Smart Blue", and decorated the interior with colored carbon fiber and traditional large lacquer panels respectively. Mastermind casting, integrating modern trends, paying tribute to traditional culture and conforming to the tonality of luxury products, BYD Han’s brand-new color matching exhibition car not only represents the latest achievements of BYD’s continuous improvement in design, but also highlights the self-confidence of Chinese aesthetics, which detonated the auto show scene at one time.

　　Energy white with terracotta brown, writing BYD Han EV advanced texture

　　The matte energy white used in the exterior decoration of BYD Han EV on the booth is inspired by Dehua white porcelain, which is dense in texture, glittering and translucent as jade, moist and greasy in glaze, and full of energy. In terms of technology, this Chinese EV adopts a special "fluorophlogopite" coating, which is more delicate and uniform, and the texture is bright and transparent. Together with matte varnish, it finally realizes the color change texture of silk metal.

　　Matching with the white appearance of Han EV energy, it is a brand-new terracotta brown interior color. Its color inspiration comes from, "Top-grade terracotta sand, out of the mountains and stones of Chen Jin, above the white stone bed, with twelve pieces as one, looks like a bright day without a red lotus." The delicate luster of terracotta brown makes Han EV show the leather texture of top-grade leather, and its sense of luxury is further enhanced.

　　In detail, this Han EV is decorated with carbon fiber on the C-pillar and the tail tail, and the matte carbon fiber is also added to the interior decoration, which echoes the color of terracotta brown, creating a very luxurious and sporty driving experience. Thanks to the brand-new color scheme, the exclusive sense of dignity of Chinese luxury of Han EV is strongly highlighted, and the performance of China mass-produced new energy cars represented by its 100-kilometer acceleration of 3.9s is further highlighted.

　　Smart Blue with Sky Grey shows the multi-faceted nature of BYD Han DM.

　　Since its listing, BYD Han’s appearance color has its own representative color from the space-time of the universe to the field of humanities and culture. The Han DM exhibited in this exhibition further adopted the wisdom blue which represents the creativity of human beings, and applied the painting process of two-color paint. The high-saturation blue hue presented in high-light illumination is gorgeous and colorful, and it will turn into a deep dark blue phase in dark environment. The strong contrast between light and dark gives people an extraordinary visual experience, which is very intriguing.

　　On the interior, Han DM is equipped with BYD’s latest "Sky Grey" light-colored interior, and its design is inspired by China’s "elegant culture". The style, layout and detailed modeling combine the Chinese aesthetic concept and the essence of China culture, which is reminiscent of ink painting and painting, misty rain in the south of the Yangtze River, elegant without losing style, showing the strong oriental elegance of Han, and embodying the profound cultural connotation and aesthetic interest of Chinese luxury. In addition to the brand-new color matching, Han DM also added the traditional big paint technology to the decorative panel, further sublimating the ancient charm of Chinese style.

　　From the contrast between light and shade of wisdom blue to the collision between tradition and modernity of grey in the sky, the brand-new color matching of Han DM complements its diversified product personality. Han DM has five power modes that can be switched intelligently. It is mainly driven by electricity in daily commuting, which is quiet and fuel-efficient. When it enters the high-speed motor and cooperates with the engine, it can not only achieve the ultimate performance of generate, but also cruise efficiently, thus realizing the full-dimensional satisfaction for users.

　　Decorating automobile accessories with large lacquer craft, BYD empowers lacquer art to revitalize.

　　In the Han DM exhibition car, the decorative panels made of lacquer technology are particularly eye-catching. This is the result that BYD invited Mr. Fu Yizhou, the national inheritor of lacquer technology, as a consultant, and Mr. Wu Yongqiang, a lacquer expert from Guangdong Academy of Arts and Crafts, personally designed and produced for Han. It is a cross-border masterpiece that skillfully combines exquisite lacquer technology with interior design of new energy vehicles, and it is also a new exploration for BYD to practice the innovative development of Chinese excellent traditional culture.

　　In the Han Dynasty, the splendid culture of the Chinese nation was transmitted to the world through the Silk Road, and lacquer reached its peak as a decorative craft in the Han Dynasty. Since then, lacquer craft, as a treasure of China culture, has been passed down in the thinking collision between artists and designers. Nowadays, BYD Auto reproduces the impression of the Silk Road in BYD Han through the continuation and innovation of culture, and the art is sublimated again, and the charm of traditional lacquer art will be appreciated by more consumers.

　　As the flagship of BYD’s dynasty, BYD Han took luxury as the bone and tradition as the rhyme from the beginning of design, and opened up a harmonious but different way of Chinese luxury. The two brand-new color-matching exhibition cars at the Shanghai Auto Show have further increased and integrated traditional and modern elements, which fully embodies the inclusiveness and tension of BYD Han’s design.

　　On April 13th, 2021, the results of German iF Design Award were announced, and BYD Han EV made the list, becoming the first award-winning car model of China brand, which further proved that BYD Han’s high-end aesthetic experience based on the profound connotation of Chinese luxury is leading the trend of new energy vehicle design.

　　As one of the hottest models on the market at present, the M5 has been creating miracles since it was delivered in March this year.

　　In March of this year, the M5, which was just delivered, got rid of 3045 sets of sales, ranking fifth in the mid-to-high-end electric SUV market of more than 200,000 units in that month, just ahead of Model Y, Li ONE, BYD Tang and Weilai ES6;

　　In April this year, under the influence of the epidemic situation in COVID-19, the sales volume of M5 in the sector continued to climb, reaching 3,245 units, and it also rose to the third place in the middle and high-grade electric SUV market of more than 200,000 units in that month.

　　In May of this year, the market sales of the M5 in Wenjie really broke out, with monthly sales exceeding 10,000 units, reaching 10,500 units, up by 273.97% year-on-year, and the delivery of a single model of innovative brand broke the fastest record of 10,000 units.

　　One of the reasons why Wujie M5 has such an eye-catching market performance is that this model is the first car of AITO, a high-end brand jointly built by Celeste and Huawei. As a model jointly developed by Huawei and Celeste, AITO Wujie M5 is also the first car equipped with Huawei’s HarmonyOS cockpit. The core power comes from Huawei’s Drive ONE pure electric drive range extension platform, and the whole car is also deeply involved in R&D and manufacturing by Huawei.

　　With the outbreak of M5, the related industrial chain enterprises will also usher in "spring".

　　Recently, some media listed the supporting suppliers of M5 core components in the form of charts, including dozens of enterprises such as Contemporary Amperex Technology Co., Limited, Changying Precision and Zhilv Technology, most of which are domestic manufacturers.

　　According to the chart, Contemporary Amperex Technology Co., Limited mainly provides the battery CELL for Wujie M5, and Changying Precision provides the electric connection bus and the battery box for Wujie M5. It is estimated that the bicycle ASP will exceed 3,000 yuan.

　　It is understood that in new energy vehicles, Changying Precision is not only a leading connector supplier in the industry, but also a leading manufacturer of power battery boxes. The lightweight all-aluminum structure pack box produced by the company can realize IP68 dustproof and waterproof, which is the "toon" purchased by various power battery enterprises.

　　(This article is for reference only, does not constitute a basis for buying and selling, and the risk of entering the market is at your own risk. )

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Disclaimer: The content of this article is published or reproduced by this website, which only represents the author’s personal views and has nothing to do with this website. For readers’ reference only, please check the relevant contents yourself. )

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speed up apply the brakes oil consumption second rice rise Give you the most needed decent test tiggo 8 PLUS 290T Evaluation Editor-Yu Shuo:

I can fully understand why this car is so popular, and it has shown great persuasiveness from configuration to test data. However, in terms of vehicle drivability, it is still difficult for me to give it a high score. In the final analysis, it is still the sentence "Cars are used for driving", which is my expectation for Chery’s future products.

Evaluation Editor-Zhang Yijia:

After the test drive of the Tiggo 8 PLUS, it gave me a great feeling. Personally, I think Chery knows the psychology of consumers in China very well, at least in terms of data performance and configuration, it can meet the needs of most consumers.

Evaluation editor:

Most of the results are better than the three popular SUVs of China brand tested before, especially the on-wheel power data, acceleration and braking results. However, its noise performance also exposes some shortcomings, and coupled with the moderate driving experience, this product still has many places to be further optimized.

After several months’ fermentation, the first million-level new energy hard-core off-road vehicle-U8, and the first million-level pure electric performance super-running vehicle-U9 officially ushered in the first launch, and the new brand’s "Easy Sifang" core technology was released simultaneously. From the perspective of consumers, these two cars not only broke the price ceiling of domestic products in the automotive field, but also represented domestic products in the field of new energy technology research and development and application, and reached a new global leading height.

Without much gossip, today we will focus on what new inspirations the core technology of "Easy Sifang" has for new energy technology innovation. And, two million-class new energy vehicles, how do you expect U8 to "reduce dimensions and attack" traditional hard-core off-road? Looking up at U9 how to subvert the imagination space of new energy super-running?

　● "Easy Sifang" platform: four-motor four-wheel drive technology that subverts imagination

To correctly understand the "Easy Sifang" technology platform, we must first understand the driving mode of passenger cars. First of all, the fuel car, regardless of whether it is a front drive, a rear drive or a four-wheel drive, or a 6X6 car like AMG G63, is essentially an internal combustion engine that drives the wheels at the same time through the power distribution of the transmission mechanism. Unlike pure electricity, a motor represents an independent power source. At present, in active products, two-wheel drive is one motor (front or rear), and four-wheel drive is two motors (front+rear).

All the above is nonsense, but it is the basis of understanding the "easy quartet" technology platform. The platform will all use four independent motors (the front axle dual motors are an assembly, and the rear axle dual motors are an assembly), and the four wheels will be driven by the reducer, the half shaft and the universal joint respectively, so that each wheel will have its own steering, rotating speed and traction distribution (collectively referred to as four-wheel dynamics), which indicates that the electronic control system can independently control the wheels with higher freedom and accuracy, and the resulting function expansion and characteristic reconstruction are not the same for a fuel vehicle with a single power source.

For example, the traditional four-wheel drive system of a fuel vehicle requires the transfer case (or central differential) and the front/rear differential to transmit the power from the transmission to the front and rear wheels, and the more comprehensive the four-wheel drive, the more hardware modules are needed, including low-speed creep, tank U-turn, front and rear differential lock and so on. However, the four-motor-driven four-wheel drive system can fully realize these functions without complicated transmission-locking mechanism. For example, in the face of the theoretical special scene of "three wheels suspended", the traditional four-wheel drive must lock all the front/middle/rear differential locks to ensure traction, while the four-motor drive only needs to provide power output to the motor with adhesion.

At the same time, the structural redundancy of the traditional four-wheel drive system also greatly reduces the perception speed and accuracy of the whole vehicle, because it takes response time from the electronic control to the execution of the mechanical system, and the more complex the structure, the more so, which we usually call hysteresis. However, the four-motor drive has no power distribution mechanism at all, even the clutch and transmission. The power output by the motor directly goes to the wheels through the reducer and half shaft, and the response speed is millisecond. This not only has accurate vector control for the traction of the vehicle at high speed (similar to overspeed vector four-wheel drive), but also can make the other three wheels control the vehicle forward with more reasonable traction through special electronic control execution program, thus ensuring the stability of the vehicle. You can understand it as a "three-wheel drive mode" specially prepared for tire puncture.

　● Looking up at U8 & Looking up at U9: New Enlightenment of Off-road Vehicle & Super-running

So specific to the product level, what are the "outrageous" technical applications and special functions of looking up at U8 and U9 from the "Easy Sifang" technology platform?

First of all, in terms of parameters, the official data show that the maximum power of a single motor of this electric drive system is 220-240kW, the maximum torque is 320-420Nm, and the maximum rotation speed is 20500rpm. The torque amplification after passing through the reducer is undoubtedly amazing. The acceleration time of 0-100km/h on looking up U8 is 3s, and 2s+ "breaking a hundred" can be achieved on super-running U9. After all, the book data is already above 1100 horsepower, and the power is no longer a short board that limits the acceleration ability.

Then look up at U8, which is a hard-core off-road vehicle built on a non-load-bearing body. From the chassis structure, we can see that the dual motor modules on the front and rear axles and the blade batteries on the chassis are directly installed on the longitudinal beam, which is completely different from the Tang EV with a load-bearing body. In addition, the platform also supports hybrid expansion, that is, an internal combustion engine can be installed above the front axle. Although the details are not clear for the time being, my personal guess is that it should be the extended range mode. For this four-motor four-wheel drive, it is of little significance to drive the whole engine directly.

As for the necessary functions of hard-core off-road vehicles, thanks to the independent control attributes brought by four motors, it is hoped that U8 can get out of trouble by "one leg" even if three wheels are suspended, because TA does not have to consider the idling problem caused by differential (4H/4L, crawling mode and three locks are all floating clouds).

On this basis, looking up at U8, there are many very hard-core function extensions, such as "genuine tanks turn around". The traditional hard-core off-road tank turns around by locking the wheel on one side into a circle and turning the wheel on the other side, which is different from looking up at U8. TA can turn the left and right wheels in the opposite direction, thus turning around the center of the vehicle. In principle, as long as the space is slightly longer than 5 meters (actually, it should be the diagonal length of the vehicle), it can directly turn around in circles, which is exactly the same as the tank with crawler.

In addition, we know that the three-electric system of pure electric vehicle does not need to be powered by intake air (oxygen) and gasoline combustion like the internal combustion engine, so the whole power system can be completely closed; At the same time, the structure of the non-load-bearing car allows the body-in-white part to be highly closed. Therefore, the cockpit airtightness reaching IP68 level is also applied to this U8, and even the emergency floating ability can be obtained by virtue of the four-wheel independent vector control function, which is an unimaginable function of fuel vehicles.

After looking up at U8, let’s take a look at the super sports car endowed by the "Easy Sifang" platform-what unique BUFF do you look up to U9?

For supercars, the most important test for manufacturers is the traction control in high-speed state, which is undoubtedly a natural advantage for four-motor four-wheel drive. For example, when dealing with high-speed right corners, traditional sports cars need complex and efficient electronic control actuators to realize the overspeed of the left wheel, that is, vector four-wheel drive. It is much simpler to look up at U9, and this function can be realized only by accurately controlling the left and right wheel motors. Even if there is no steering system, vector steering can be realized by the motor. After all, it is ok to turn around in place, and vector steering is the basic operation.

In addition, U9 also has "Sao operation" in the braking system. In addition to the brake discs and calipers on four wheels, the electric drive system can also achieve active braking at the electric drive level through positive and negative electric control torque output. Even, you can achieve a braking distance of less than 40m and an agile steering ability of less than 12m while the steering gear and brakes are not working. You can understand it as "engine braking technology" on new energy vehicles.

　● Edit Comment:

From dynasty series to ocean network, and now looking up to brands, automobiles show us the deep leap of enterprises from the leader of new energy vehicles to the leader of new energy technologies. In particular, the four-motor four-wheel drive technology brought by the "Easy Sifang" platform is undoubtedly an inspiring thinking innovation for the electrification innovation of hard-core off-road and super sports cars. On the other hand, the success of looking forward to it represents the great victory of the "technology, industry and trade" route of contemporary China enterprises, and it is also the pillar of China manufacturing based on the future.

China Fund News reporter Guo Yujun

How long does it take for small and medium-sized enterprises to apply for bank loans? How much can I get? The answer of Shenzhen Yuanxing Technology Co., Ltd. (Yuanxing Technology) is-"in a few seconds, 5 million".

As a specialized and innovative small and medium-sized enterprise in Shenzhen, Yuanxing Technology is one of many small and medium-sized enterprises served by Weizhong Bank.

The shortage of collateral, difficulty in obtaining effective information and high cost for small and medium-sized enterprises are the main blocking points that restrict financial institutions from providing financing services for them. How did Weizhong Bank do it?

"Shenzhen Scheme" of Credit Service Entity Economy

Promote financing of over 120 billion yuan.

It is understood that in order to solve the problem of information asymmetry and solve the problem of difficult and expensive financing for small and medium-sized enterprises, on January 10, 2022, with the strong support of the head office of the People’s Bank of China and the Shenzhen Municipal Party Committee and Municipal Government, Shenzhen Credit Information Bureau completed the filing of enterprise credit information agencies and officially operated it. Weizhong Bank is one of the first deep cooperative banks in Shenzhen Credit Information.

Shenzhen Credit Information Co., Ltd. provides risk control decision support for different banks’ risk preferences by jointly building innovative laboratories with banks or providing customized services, effectively promoting bank customer identification and credit supply, and achieving "second-to-second loans and instant loans". At present, it has carried out in-depth cooperation with four banks, including China Construction Bank, Bank of China, Bank of Ningbo and Weizhong Bank, and jointly built an innovation laboratory with China Construction Bank, and launched 12 customized service products.

It is an important measure for the People’s Bank of China to implement financial support for small and medium-sized enterprises and serve the development of the real economy by building a local credit reporting platform, filing enterprise credit reporting institutions, collecting and sharing enterprise-related credit data of government departments and public institutions according to law, and cleaning and processing them according to credit reporting business rules, so as to stably export products that meet the requirements of financial institutions.

According to the data released by Shenzhen Central Sub-branch of the People’s Bank of China, by the end of May 2023, the platform had collected and shared 1.13 billion pieces of enterprise-related credit data from 37 government departments and public institutions, achieved full coverage of more than 4 million active commercial entities in Shenzhen, and completed technical and business docking with 51 commercial banks in the city, serving more than 210,000 enterprises in total, which helped enterprises obtain financing of 120.5 billion yuan, of which small and micro enterprises accounted for 87% and credit loans accounted for 87%.

The construction of local credit information platform in Shenzhen adheres to the principle of "taking demand as the center" and "being practical, easy to use and sustainable". Practice has proved that it is a feasible and effective "Shenzhen scheme" to alleviate the financing information asymmetry problem of small and medium-sized enterprises.

Technology empowerment bank

"Precision Drip Irrigation" Small and Medium-sized Enterprises

According to reports, since 2022, Weizhong Bank’s artificial intelligence (AI) team and Shenzhen Credit Information Platform have conducted several rounds of in-depth communication and cooperation in privacy computing, federal learning, data products, etc., for example, while ensuring data security and privacy, further explore data value from more dimensions and explore innovative data products that are more in line with business scenarios. Next, the two sides will strengthen cooperation, fully focus on the value of data, release data productivity, provide more convenient services for enterprises to apply for financing, and let inclusive finance "drip irrigation" every small and medium-sized enterprise to help the high-quality development of the real economy.

The reporter learned from Shenzhen Central Sub-branch of the People’s Bank of China that Shenzhen local credit information platform provides customized joint modeling services for "easy loan" loan products, aiming at Bank of Ningbo’s problems such as asymmetric information between banks and enterprises and difficulty in controlling credit risks, combined with Bank of Ningbo’s credit standards, and uses data mining methods such as machine learning and correlation maps to deeply analyze and mine multidimensional data such as business, operation and employment of enterprises, forming quantitative model products, and fully empowering bank risk management and control. One month after its launch, it helped 87 small and micro enterprises to obtain financing of 235 million yuan.

According to Shenzhen Construction Bank, as of May 2023, Shenzhen Construction Bank has introduced eight data products, including enterprise personnel size, enterprise subsidy information report and enterprise concern information report, which have been actually applied to the pre-lending, mid-lending and post-lending links of Shenzhen Construction Bank’s loan products related to small and medium-sized enterprises. By May, 2023, a total of 267,000 data of Shenzhen Credit Information Company had been called, covering more than 164,000 enterprises.

For example, in terms of pre-lending access, in order to judge the real business situation of customers, account managers need to complete due diligence through on-site visits and various government websites, which takes a long time. After introducing the enterprise personnel size analysis and enterprise subsidy information data of Shenzhen Credit Information, Shenzhen Construction Bank, combined with the data sources in the bank, directly judges through the loan product model of Shenzhen Construction Bank, which greatly improves the approval efficiency.

Shenzhen Branch of Bank of Communications is cooperating with the credit information platform to promote the development of data-driven innovative product "high-enterprise loan". The scope of data cooperation includes enterprise social security, provident fund, operational stability and other trend data. By enriching the dimensions of enterprise data, Shenzhen Branch of Bank of Communications can improve its judgment on the continuous operation ability and stability of enterprises. Make use of the rich data dimension of Shenzhen Credit Information, create a highly online "high-enterprise loan", actively grant credit to national high-tech enterprises, and improve the credit coverage of technology enterprises.

"Shenzhen Plan" is far ahead.

Provide reference for the construction of domestic credit information system.

Weizhong Bank is a pure internet online bank, which has the ability to provide online credit services for small and medium-sized enterprises across the country. According to Liang Huan, head of science and technology finance in the enterprise market and innovation business department of Weizhong Bank, all parts of the credit information platform also want to do it. The data of Shenzhen credit information platform is far ahead of the national level, whether it is a data source or a specific application (such as combining with banks to serve small and micro enterprises).

Ceng Gang, deputy director of Shanghai Finance and Development Laboratory, said that the credit information platform, as a carrier of credit information, plays an important role in breaking the "information island" by collecting and sharing the enterprise-related information held by local government departments and public utilities, and connecting with "government, banks and enterprises". Generally speaking, the establishment of local credit information platform is helpful to the formation of the strategic layout of "national+local" and "government+market", which can effectively promote the docking between financial institutions and small and medium-sized enterprises and improve the quality and efficiency of microfinance services.

Ceng Gang pointed out that at present, all localities are actively building credit information platforms, but there are still some problems, such as low level of system development and data mining, high repetition of data content, and difficulty in continuously and effectively collecting data. Many local credit information platforms still aim at increasing the number of data. Comparatively speaking, the data of Shenzhen Credit Information has obvious advantages in information timeliness and data granularity. On the one hand, the platform can timely reflect the changes of corporate, registered capital, registered address and other industrial and commercial information of enterprises, help banks to identify whether enterprises are operating normally or not, and timely identify and control the risks of existing customers. On the other hand, through in-depth analysis and mining of data, the platform can further reveal the hidden depth information of data, which can help banks realize online accurate classification of enterprises, not only reduce manual entry, improve customer experience, but also facilitate the implementation of differentiated risk strategies.

According to Liu Zhen, executive deputy general manager of Shenzhen Credit Information, since the establishment of the platform in 2022, Shenzhen Credit Information has received about 30 local credit information platforms across the country and shared the experience of Shenzhen with them. Liu Zhen said: "We are also actively exploring to build and share systematic data products with some local credit information platforms that started late, including promoting mutual recognition of our superior data standards and conducting more commercial cooperation.

Liu Xinhai, executive deputy director of the Credit Management Committee of the All-China M&A Association, said that as the front window of reform and opening up, the number of small and micro enterprises in Shenzhen Special Economic Zone is not only large, but also more dynamic, and the demand for financing is also more urgent. Making full use of public big data resources and privacy computing, the market demand drives the research and development of alternative data models for credit reporting. Shenzhen actively builds a local credit reporting platform, focusing on scene innovation, which has achieved fruitful results in a short period of time, and gives a successful "Shenzhen Plan", which can provide valuable reference for the construction of domestic credit reporting system.

Editor: Xiao Mo

Audit: Xu Wen

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Original title: "Over 120 billion yuan! Second-level approval, "Shenzhen Plan" is far ahead "

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　　Chery Automobile’s new generation flagship SUV Tiggo was officially unveiled 9 days ago. Meanwhile, as the latest achievement of Chery’s "Eta Ursae Majoris 2025" strategy, Chery Automobile released the Mars architecture-super hybrid platform.

　　Tiggo 9 is the first model of Mars architecture-super hybrid platform, which will have two power forms: fuel and hybrid. The fuel-powered version is equipped with a 2.0TGDI engine and Aisin 8AT gearbox, with a maximum power of 192kW and a peak torque of 400N·m, while the hybrid version has a super comprehensive endurance of over 1300km. At the same time, the Tiggo 9 is equipped with Qualcomm Snapdragon 8155 chip and the top hardware equipment in the industry of 5G Gigabit Ethernet, with L2.9 intelligent driver assistance system.

　　In addition, the Tiggo 9 is equipped with CDC "magnetic levitation" suspension, which can be adjusted infinitely through the hardness and softness of the suspension to cope with different road conditions. At the same time, it is equipped with 540 stereoscopic extrasensory air conditioning system, B-pillar air outlet, high-grade intelligent fragrance system, 24.6-inch extremely smart silk smooth curved screen and other configurations.

　　According to reports, the Mars architecture-super hybrid platform is the highest-end, leading hybrid and fuel vehicle platform of Chery Automobile, which clarifies the direction of Chery’s hybrid and fuel vehicles in the next five years. Mars architecture-super hybrid platform will realize the global evolution of four dimensions: forward-looking wisdom, total comfort, efficient power and leapfrog security.

　　In terms of forward-looking wisdom, the Mars architecture-super hybrid platform is equipped with Qualcomm Snapdragon 8155 flagship chip, and the CPU computing power reaches 105 K; Equipped with self-evolving EEA4.0 electronic and electrical architecture, it supports 5G and Gigabit Ethernet. At the same time, the new platform products are also equipped with Chery Pilot L2.9 intelligent driving assistance system, including 21 basic ADAS functions and 11 advanced intelligent driving functions.

　　In terms of total comfort, the new platform is equipped with CDC "magnetic suspension" system, which can realize stepless adjustment of damping, accurately control the attitude of the whole vehicle, and improve the comfort of the whole vehicle by 30%. At the same time, the platform is equipped with AWD intelligent four-wheel drive system, which improves the overall driving controllability by 20%. In addition, the C-PURE clean cubic green cockpit continues to evolve, with the new car odor reaching 3.0 and the key VOC standard increasing 10 times.

　　In terms of efficient power, the new platform will provide hybrid and fuel-powered power solutions. Among them, as a hybrid solution, the third-generation intelligent hybrid Gemini has a peak power of 165kW and a maximum output torque of 4000 N m. The fuel power uses Kunpeng 2.0TGDI, and with the blessing of seven leading core technologies such as the fully upgraded second-generation "i-HEC" intelligent combustion system, it achieves a perfect balance between strong power and energy conservation and environmental protection.

　　In terms of leapfrog safety, Chery Automobile has established a global quality management system based on global market user data. Mars architecture-super hybrid platform is developed according to the highest five-star safety standard in the world, integrating active and passive safety technologies. Not only that, the new platform is also equipped with 10 airbags, including remote airbags, to ensure the safety and quality of users.

On September 20th, Wangwang Automobile’s first product, Wangwang U8 Deluxe Edition, was officially launched with a listing price of 1.098 million yuan. Users can purchase and place orders by looking up to the official car App or applet. Looking up to U8 to locate a million-dollar new energy hard-core off-road, with the blessing of two core technologies, Yi Sifang and Yunqi -P intelligent hydraulic body control system, it has 1,200 super horsepower and the fastest acceleration of 3.6 seconds at zero. It has the ability of all-terrain in-situ U-turn, flat tire and emergency floating, bringing unprecedented extreme safety, extreme performance and extreme experience to users. Looking forward to the U8 Deluxe Exhibition Car will arrive in 13 cities including Shenzhen, Shanghai, Chengdu, Hangzhou and Ningbo, and users can experience it in person. The first batch of U8 Deluxe Edition will be delivered to users in late October.

Take the first two subversive core technologies: Easy Sifang and Yunnian-P.

The two subversive core technologies, Yi Sifang and Yunqi -P, are the solid foundation for U8 to surpass the extreme and never before. Traditional cars are limited by the central driving form with two wheels driven, and active safety still has great limitations. Looking up to U8, which is equipped with easy Sifang technology platform, with distributed four-motor as the core and four-wheel torque independent vector control, has the technical characteristics of fast sensing speed, accurate recognition accuracy and strong control ability, and is the golden key to unlock the safety of body attitude control. Yunqi -P intelligent hydraulic body control system opens six degrees of freedom of the vehicle in three dimensions, and fully realizes the horizontal, vertical and vertical integrated control of the vehicle. Yunqi -P has a strong ability to recognize the road environment, fast adjustment speed and high control accuracy for the suspension and body posture, and has a total adjustment stroke of 150mm for ultra-high suspension, three-level stiffness and continuous adaptive damping adjustment, matching 15+1 off-road modes, so that Wangqi U8 Deluxe Edition can calmly cope with all kinds of complex terrain and fully release the driving pleasure.

1,200 super horsepower, with the fastest acceleration of 3.6 seconds. It has the ability of all-terrain in-situ U-turn, flat tire and emergency floating.

Easy Sifang technology endows the U8 Deluxe Edition with 1200 super horsepower, making it the world’s first mass-produced new energy vehicle to reach the top of the "Desert Everest" Bilutu Peak; The maximum power of the whole vehicle is 880kW, and the fastest acceleration is 3.6 seconds, which is comparable to super-running. Looking up at U8 Deluxe Edition, the wheel end torque is as high as 8700N·m, and with the precise control ability of Easy Square, it breaks through the friction restrictions of different roads with high and low attachments, and can realize all-terrain in-situ U-turn, greatly improving the mobility of hard-core off-road. Easy Sifang technology, through the independent and accurate control of four-wheel torque, makes Wangwang U8 Deluxe Edition still stable and controllable in the case of tire puncture, greatly expanding the boundary of vehicle active safety. In extreme situations such as rainstorm waterlogging or wading in the wild, in order to ensure the safety of users to the greatest extent, U8 Deluxe Edition is expected to have emergency floating capacity. Based on the sealing advantages of the whole vehicle and its core components, combined with the control ability of Easy Square, looking up at U8 Deluxe Edition can float in 30 minutes, still maintain a stable posture, and realize the forward and direction control of the vehicle to help users get out of danger quickly. The emergency floating capacity is an emergency function that is passively triggered. The official advice is that users should not try it easily in non-emergency situations. Once triggered, they should be sent back to the direct service store for maintenance.

Extreme security, all-round security from the inside out

Looking up to U8 Deluxe Edition equipped with plug-in hybrid power system, combined with the easy Sifang technology platform, CLTC has a comprehensive cruising range of 1000km, which fully meets the long-life needs of users for outdoor travel. Support up to 110kW DC fast charging, 30% to 80% charging only takes 18 minutes at the earliest, and timely and efficiently recharge the power in case of emergency. Look forward to the external discharge function of U8 Deluxe Edition with a maximum power of 6kW to ensure the safety of outdoor energy supply. This function can be compatible with a variety of electrical equipment at the same time, and supports the continuous use of 2kW ultra-high power electrical appliances for about 25 hours. There are 3 wireless charging places in the front and rear rows, which can support 50W fast charging, and can also be charged quickly and conveniently when many people travel. Looking up to U8 Deluxe Edition, it is equipped with NVDIA ADRIVE Orin intelligent driving processor with 38 high-precision components and a fusion computing power of up to 508Tops, which has high sensing accuracy and sufficient computing power, further improving driving active safety. In order to continue the ultimate safety gene, U8 Deluxe Edition is equipped with blade battery, supplemented by CTC battery chassis integration technology, and the blade battery is directly connected to the girder as a safety structure. The excellent side column collision safety advantage fully guarantees the travel safety.

Quality materials and innovative scientific and technological functions endow new energy with off-road luxury travel experience.

Beyond the hardcore, look up to the cockpit design of U8 Deluxe Edition, fully integrate the sense of luxury, innovative technology configuration and off-road attributes, and create a unique technological luxury feeling of new energy hard-core off-road. Based on the profile design requirements of the interior, Wangwang U8 pioneered the design of 12.8-inch R800 Xinghe curved screen, which uses OLED material and 2K resolution to restore the true color, and the color contrast is 50 times higher than that of the traditional LCD screen. The curved screen of Xinghe is seamlessly connected with the two 23.6-inch mini LED screens of the main driver and the auxiliary driver, creating a borderless immersion, forming a unique triple screen, which is as colorful as the Milky Way Waterfall, and with the symmetrical structure of the double-encircling star-ring cockpit, the seating space is surrounded, showing the unique luxury style of new energy.

Looking up at U8 Deluxe Intelligent Cockpit, equipped with 4nm 5G chips jointly customized by BYD and Qualcomm, has high computing speed and strong compatibility, and is embedded in the intelligent networking system of Looking Up at Link, which has a complete application ecology. The front 70-inch AR-HUD head-up display, the central control screen of the Milky Way curved surface, the co-driver multimedia screen and two 12.8-inch rear suspended multimedia screens have the function of borderless five-screen linkage, which is not limited by space and supports information interaction between multiple screens, bringing a richer intelligent experience to the drivers and passengers of the whole car. Full-scene intelligent voice can support independent interaction of four-tone areas, and voice commands between different tone areas can also produce linkage. Users can also customize common scenes through voice to fully meet the personalized use requirements. The 70-inch AR-HUD upgrades the head-up display from a plane image to a 3D stereoscopic image, and the vehicle road information is projected on the screen in real time, so that the driver can easily grasp various information such as vehicle status or map, and concentrate on driving without leaving the road.

Looking up to U8 Deluxe Edition, the whole car seat is made of high-grade Nappa leather, with high-end Sabili wood, which has uniform texture and delicate touch, showing the visual texture of pure natural logs and the touch of fingertips to the fullest. The whole vehicle is equipped with intelligent fragrance system with natural solar terms theme and compressor refrigerator with anti-forgetting reminder, which makes the ride quality further. When the vehicle speed reaches 60km/h, look up to the U8 Deluxe Edition, and the interior noise will not exceed 55dB, creating a quiet and enjoyable space at the library level. The whole vehicle is equipped with the world’s first Hi-End audio of Dana Platinum Evidence Series, with a total of 22 speakers, creating a 7.1.4 Dolby panoramic sound to restore the real sound field. The extraordinary NVH quietness and high-quality audio bring users a heavenly hearing enjoyment. In view of the requirements of off-road properties, we look up to the design of some physical buttons adopted under the curved screen of U8 luxury center console, which can quickly switch and adjust various driving modes and enhance the convenience and practicability of off-road control. Focusing on the senses of sight, hearing, smell, taste and touch, we hope that the interior design of U8 Deluxe Edition will make every place the ultimate luxury experience.

Looking up to U8 Deluxe Edition, there are five kinds of car paint colors in appearance, including dragon stone green, obsidian black and fluorite white, and matte dragon stone green and matte moonlight silver are optional. The interior provides two color matching schemes: black orange and gray brown; The whole vehicle comes standard with 22-inch sports forged wheels, and provides 22-inch simple forged wheels and 20-inch sports forged wheels for users to choose, which fully matches the personalized selection needs of users.

The ultimate technology has made the company look forward to, and the trust of users has made the company look forward to the brand’s "faithful" hospitality. At present, more than 70 stores are under construction, and it is expected that more than 90 stores will be opened in more than 40 cities across the country this year, so consumers can experience the products and services of the company more conveniently. Looking up to the car will uphold the most sincere service attitude and bring users a more extreme brand experience!

Upstream news Ding Ruyao

Not long ago, "Subject 3" exploded, and this heat is still fermenting, and it will undoubtedly become a footnote at the end of 2023. In domestic short video platforms, the number of topics played has reached nearly 12 billion; At the same time, "subject three" has also spread abroad, and foreigners of all colors can be seen dancing "subject three" almost everywhere on social platforms.

"Subject 3" is said to have started from a scene where many people were singing and dancing at a wedding in Guangxi. Some people think that it is called "subject three" because Guangxi people have to go through three exams in their lives: singing folk songs, nagging rice noodles and dancing, so they use the metaphor of driver’s license and call it "subject three". This kind of "birth" laid the keynote of "subject three"-a kind of creation from life and folk, which was unintentional, but the effect was unexpected. Today, we will talk about this unexpected explosion.

Dance has natural entertainment and appreciation. In all kinds of dance types, whether it is solo dance, duet dance or group dance, emotion and beauty can be conveyed in behavior and action, so as to achieve the purpose of entertainment and appreciation. "Subject III", with its unique dance form, has brought people richer experiences, such as ankle inversion, waist twisting, hip swinging and hand waving, which makes the dance younger, more dynamic and more entertaining. "Subject 3" doesn’t even belong to any kind of dance type, so you don’t have to stick to the specific dance posture, just stretch your limbs and twist your body at will; Don’t stick to the location, just follow the rhythm, feel it, and jump anytime and anywhere; You don’t have to stick to clothes, and you don’t have a sense of "disobedience" if you are casual or in a suit. This feeling of not sticking to traditional rules and constraints constitutes the simplest and purest happiness of "subject three", which makes people who jump happy and people who watch videos can also get a happy experience.

If happiness is the gene of "subject three", then the emotional resonance is the communication code that is constantly formed through the short video platform. Everyone can imitate, and everyone can participate. In recent years, whether it is the dubbing template of "My surname is Shi" and "My surname is Ha" that became popular on short video platforms, or the magic songs of "My Yunnan, Yunnan Nujiang", or the earlier "Jiangnan Style" and "Shoumai Culture", which has been in high popularity, it seems that there are all of them together with today’s "Subject 3". Yes, it is these earthy dance steps and slightly noisy music that have captured the psychology of people all over the world. While relaxing oneself and venting emotions, it also expresses a unique feeling and sense of belonging, and this resonance comes from life and focuses on every ordinary person.

In fact, "Subject 3" is a key, which opens a key to popular culture in the era of short video: there is no shortage of the form of spring snow and the content of Liba people. Today, when "Subject Three" becomes a hot stem of "brainwashing", this trend is gradually evolving into a grassroots fashion. When some people disdain that grassroots culture is full of strong local flavor, naturally some people praise it as "grounded", which is a kind of civilian culture and is loved by the public. Today, grassroots culture is no longer "difficult to be elegant". With the continuous popularization of short videos, where are the preferences of ordinary people and where are the hot spots? The choice of "grounding gas" has become the mainstream and has been respected and loved by more people.

The culture of a society, like a banyan tree, is flourishing with numerous drooping "breathing roots". And these "breathing roots" may come from the people, but also have interesting creations worthy of appreciation. They are grounded and can absorb the nutrients of life; They can breathe and breathe the fragrance of life. More importantly, they have propped up the tree of cultural prosperity and given cultural communication a new outlet and carrier. From this point of view, a limited carnival and a rational and inclusive view of local culture are the attitudes that should be taken today when multi-cultures blend.

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