标签： 上海夜生活导航

　　Dual-label cards have made great contributions to the development of credit card market in China. When the clearing market in China is about to open, the relevant departments have once again emphasized the market rules that foreign currency single-label cards should follow. Although it has caused some pains to this kind of products, it is still of positive significance to the future credit card market in China.

　　Double-label credit cards with the logos of UnionPay, Visa, Mastercard and other international card organizations printed on the card face will gradually withdraw from the market in the future. A few days ago, the Payment and Clearing Association issued a "Specific Contents of Policies on Single-label Foreign Currency Cards and Dual-currency Cards", requiring banks to stop issuing new dual-label credit cards.

　　It is also reported that the central bank recently convened major banks and related bank card organizations to hold a meeting on the issuance management of foreign currency single-label cards and double-label cards. The meeting emphasized that foreign card organizations can only provide foreign currency bank card clearing services for cross-border transactions before obtaining the qualification of domestic clearing business. The main spirit of the meeting included reaffirming that foreign currency single-label cards can only be kept in foreign currency, and can be used by overseas entities or online merchants, and the domestic use scope is limited to repayment in accordance with the provisions of the State Administration of Foreign Exchange. Any form of transaction within the territory will be regarded as illegal. At the same time, the issuing bank needs to sort out the functions of foreign currency single-label cards that do not meet the regulatory requirements, and the scope of application of new foreign currency single-label cards also needs to be agreed in the agreement.

　　Although it is confirmed that the dual-label bank card will not be able to issue new products, the dual-label card that everyone is using at present can still be used normally, but the dual-label card cannot be renewed after the expiration of the validity period, and it needs to be replaced by a foreign currency single-label card. Therefore, the dual-label card will gradually withdraw from the historical stage of credit cards in China.

　　recall

　　Dual-label cards have been issued in China for 14 years.

　　The so-called double-label card means that two card organization logos appear on a bank card at the same time. For example, there are both UnionPay and Visa logos on the bank card. International card organizations cooperate with UnionPay to issue dual-label cards, and the Bin number starts with foreign card organizations. For example, Visa Kaka number starts with 4, and Master Card number starts with 51-55, but all of them are used in China as the clearing channel of UnionPay, and are settled in RMB. The common dual-currency credit cards are UnionPay +Visa, UnionPay +Mastercard, UnionPay +JCB and so on.

　　It is understood that the first dual-label card was launched by China Merchants Bank in December 2002, which is of epoch-making significance. Lu Jinhua, a senior expert on bank cards, said that dual-label cards are the product of a special era with China characteristics. China’s dual-label card has the characteristics of China, which solves the problem of how domestic residents spend their money overseas and at home when RMB is not freely convertible, and solves the problem of high threshold for traditional credit cards. In less than two years, China Merchants Bank has issued more than 1 million dual-currency cards, which has set a miracle in the industry. Since then, major domestic banks have followed suit and launched their own dual-label cards, bringing the dual-label cards into a period of rapid growth. Cardholders can travel and shop with only one credit card at home and abroad, and they feel very convenient.

　　remove doubts

　　Why stop issuing double-label credit cards?

　　In fact, these measures mentioned above are all aimed at implementing the Measures for the Administration of Bank Card Clearing Institutions jointly issued by the Central Bank and the China Banking Regulatory Commission. Article 22 of the Measures has clearly stipulated that if an overseas institution cooperates with a domestic bank card clearing institution to authorize the issuance of bank cards, it shall adopt the identification code of the issuer of the domestic bank card clearing institution. Overseas institutions shall not engage in RMB bank card clearing business in disguised form through cooperation.

　　Rong 360 credit card analysts believe that the main reason for stopping issuing dual-label credit cards is that it is a product of the transitional period. In the special period when UnionPay did not popularize foreign payment and settlement business and foreign card organizations could not enter China, banks jointly issued dual-currency credit cards with UnionPay and foreign card organizations to facilitate cardholders to pay at home and abroad.

　　At present, the RMB clearing market is about to open, and foreign card organizations are expected to enter China and obtain the corresponding qualifications for payment and clearing, which may also issue their own brand credit cards in China, and require commercial banks to take their own channels for RMB transfer and clearing. It is precisely because there are two card organizations behind a card that the ownership of dual-currency credit cards is controversial. According to international practice, a card can only belong to one card organization, and the card organization is responsible for the transfer and liquidation. Therefore, under the premise that the RMB clearing market is about to open, the suspension of issuing dual-currency credit cards is to "clear the way" for foreign card organizations to enter the domestic market and facilitate the transfer and clearing of various card organizations in the future.

　　In addition, some professionals told the Beijing Youth Daily reporter that the dual-label multi-card is a magnetic stripe card, which is easy to be cloned and stolen, and it is also a technical reason for its withdrawal from the historical stage. After 2002, major card-issuing banks issued a large number of magnetic stripe dual-currency cards, which missed the initial period of chip cards. More and more magnetic stripe dual-currency cards have increased the migration cost and difficulty of credit card chips in China.

　　In Europe, where chip cards have been migrated, many POS machines no longer accept magnetic stripe cards, which makes many domestic cardholders who travel with magnetic stripe dual-currency cards feel inconvenient. The general chip abroad is EMV standard, while UnionPay is POB standard with China characteristics, which cannot be unified on one chip. The popularity of chip cards only supports credit cards with a single settlement channel and logo. In the past, dual-currency cards that can choose settlement network could not be realized on chip cards, let alone migrated to chip cards.

　　So is it possible to issue a dual-label card using UnionPay Bin number? Relevant card organizers told the reporter of Beiqing Daily that this idea is feasible in theory, but it means that all international card organizations have to rebuild their systems overseas, which is very heavy and costly, and it will definitely not be completed in two or three years.

　　affect

　　Consumption abroad needs to bring two cards in the future.

　　The withdrawal of double-label cards from the historical stage also means that the convenience of "one card goes to the world" is over. In the future, if you want to have credit cards issued by UnionPay, Visa and Mastercard at the same time, you must apply for multiple credit cards.

　　Stopping issuing dual-label credit cards has little impact on cardholders who have no overseas credit card demand, but it will be inconvenient for users who often have consumption abroad demand. Because they need to apply for a single-label credit card from international card organizations such as Visa and Mastercard separately for consumption abroad. However, this kind of card can’t be used in China at ordinary times, and only UnionPay cards can be used in China. Therefore, in the past, one card can solve all the domestic and foreign credit card needs, but now it must be done with two cards.

　　In addition, for ordinary cardholders, the existing dual-currency credit cards often carry the card rights of foreign card organizations, and they can also enjoy the card preferential treatment provided by foreign card organizations. After the issuance of dual-currency credit cards is stopped, cardholders can no longer enjoy these rights and benefits if they only use UnionPay single-currency cards.

　　Some insiders said that the issue of stopping the issuance of double-label cards is only a document issued by the industry association for the time being, and there is no red-headed document from the authoritative department. Therefore, at this stage, banks have not stopped issuing new dual-label cards across the board. The existing dual-label cards can also be used normally until the expiration. Therefore, if there is a real demand and the dual-label card is more convenient, you can apply to the bank quickly, so that you can enjoy the convenience of the dual-label card at least in the next five years. Of course, the double-label card is a magnetic stripe card, and the card user needs to pay special attention to the safety of using the card.

　　question

　　Single-label foreign currency cards have limited use in China.

　　However, the issuance of single-label cards in China is not smooth sailing. After the efforts of all walks of life in recent years, we gradually feel the limitations of single-label cards.

　　First of all, the scope of use of single-label cards is very narrow. Apart from being used abroad, it can only be used in some rare places in China, such as high-end star-rated hotels, shopping malls and restaurants. On June 1st, 2015, Visa closed the transactions of Visa single-label cards issued by domestic banks in China. The foreign currency single-label credit card in hand can no longer be used in China except for overseas transactions. For people who don’t go abroad often, this kind of credit card tends to be marginalized. If they apply, they don’t have a chance to use it at ordinary times. If they don’t have a certain number of transactions, they will be charged an annual fee. If you don’t apply, it’s inconvenient to spend money when you want to travel abroad or on a business trip.

　　Secondly, except UnionPay card, other card organizations can’t bind Apple Pay to single-label cards issued in China, and the latest payment technology can’t be applied to these cards, which makes people feel sorry and can only envy friends and relatives abroad. The safety problem in daily consumption cannot be solved by adopting new technology, which makes people feel awkward.

　　Nowadays, many foreign currency single-label cards are issued and promoted under the slogan of "all-currency cards". The so-called all-currency card refers to the fact that the card no longer charges currency exchange fees when spending across currencies abroad. In many people’s eyes, the all-currency card is to spend Japanese yen in Japan, euro in Europe, or Thai baht in Thailand, but this is not the case. Most of the so-called all-currency cards are charged in US dollars and RMB. Generally speaking, foreign consumption is charged in US dollars, domestic consumption is charged in RMB, and some banks directly charge in RMB, regardless of the cardholder’s transactions at home or abroad.

　　Dual-label cards have made great contributions to the development of credit card market in China. When the clearing market in China is about to open, the relevant departments have once again emphasized the market rules that foreign currency single-label cards should follow. Although it has caused some pains to this kind of products, it is still of positive significance to the future credit card market in China.

　　Text/reporter Cheng Wei

　　[Global Times correspondent in Russia Sui Xin Global Times correspondent Ren Zhong Liu Yupeng] "The situation in Ukraine has reached a key node, which may determine long-term results." CNN reported on the 15th that with the rapid advance of Russian troops in important cities in eastern Ukraine, Ukrainian troops "running out of old Soviet weapons" are facing difficulties. Ukrainian officials are not only disappointed that Western military aid "flows into combat piecemeal", but also worried that Western commitments "will soften at a critical moment". The Governor of Lugansk State said on the 14th that Russia has now controlled about 80% of the industrial city of North Donetsk in eastern Ukraine and destroyed all three bridges out of the city. The website of the Royal Joint Research Institute of the Three Armies said on the 15th that the "most dangerous stage is approaching" of the Russian-Ukrainian conflict. French President Macron said during his visit to Romania on 15th that Ukrainian President Zelensky would "have to negotiate with Russia".

　　MSNBC)15 reported on the 15th that Russian troops blew up the last bridge in North Donetsk.

　　British media said that "Russia occupied 80% of Northton"

　　CNN15 reported on 15th that at present, military conflicts are mainly concentrated in two sister cities on both sides of the North Donetsk River — — North Donetsk and Lisichansk. Ukrainian troops are almost completely surrounded in northern Donetsk. Although western analysts believe that Ukraine is more likely to defend the higher-lying Lisichansk, "there are already disturbing signs that Russia is trying to cut off the supply line of the city by advancing from the southeast." Zelensky said last week that the competition between the two cities "largely determines the fate of Donbass".

　　The Russian military announced that at 8: 00 local time on the 15th, it would open a humanitarian evacuation passage for civilians in the Yazott factory in North Donetsk, and at the same time demanded that the Ukrainian army in North Donetsk "stop meaningless resistance and lay down their weapons". Britain’s Independent newspaper said on 15th that the final stage of the contest in North Donetsk seems to be similar to that in upor, Mali last month. At present, Russian troops have occupied about 80% of Northton, and most Ukrainian troops have been forced to the suburbs.

　　The website of "Russia Today" TV station reported on the 15th that on the evening of 14th, Ukrainian President Zelensky said through social media that Ukrainian troops suffered heavy losses in the fighting near North Donetsk and Kharkov. According to the French newspaper Le Monde reported on the 15th, Ukrainian officials said that the firepower of the Russian army is still far superior to that of the Ukrainian army. Now, 100 to 200 Ukrainian soldiers are killed every day because of the "complete inequality between the two armies".

　　Russian Defense Ministry spokesman Konashenkov announced on the 15th that the Russian fleet destroyed an ammunition depot containing foreign weapons such as M777 howitzers made in the United States with "caliber" cruise missiles.

　　Macron: Russia will always be in Europe.

　　French President Macron began to visit Ukraine’s two eastern neighbors on the 14th — — The visits of Romania and Moldova have aroused widespread concern. According to Reuters, the French president had been criticized by Ukraine and some NATO countries, and he was considered as "ambiguous" in the conflict between Russia and Ukraine.

　　On the evening of 14th, Macron arrived in the Romanian Black Sea port city of constanta and visited the French soldiers stationed there. He said: "It is the pride of France that stands at the forefront (on the eastern border of NATO)!"

　　About 800 NATO troops are stationed at this base along the Black Sea, including 500 French soldiers and soldiers from other NATO countries such as the Netherlands and Belgium. France has also deployed a surface-to-air missile system here. According to reports from Reuters, on 15th, Macron tried to take a tougher stance towards Russia when he made a speech at this NATO military base. He said: "We will make every effort to stop Russian war troops and help Ukrainians and their troops." But he did not provide any details. He expressed "hope that Ukraine will win the war" and insisted that Ukraine must negotiate with Russia eventually. "We share a continent. Geography is always a thorny issue, and Russia is one of them. It was here yesterday (Europe), here today and here tomorrow. "

　　Later on the 15th local time, Mark Long will fly to Moldova, which is the first time that the French President has visited the former Soviet Republic adjacent to Ukraine since 1998. According to sources, on the 16th, Macron will travel to Kiev to visit Ukraine with German Chancellor Angela Scholz and Italian Prime Minister Mario Draghi.

　　Peace or non-peace?

　　The New York Times said on the 15th that when the leaders of France, Germany and Italy plan to pay their first joint visit to Ukraine since the outbreak of the Russian-Ukrainian conflict, they and other western leaders must decide whether to increase their armed forces against Ukraine or pressure Ukraine to negotiate with Moscow to end the conflict. Western leaders seem to agree that Ukraine’s ability to counterattack Russia depends largely on the speed and quantity of heavy weapons they provide to Ukraine. But they are also worried that the continuation will lead to the intervention of NATO countries and lead to a cruel escalation of the situation. European officials are also worried about the damage to their economies caused by inflation and high energy prices, as well as the possible political backlash at home.

　　According to the "Russia Today" TV station reported on the 15th, some officials in the United States expressed concern about the situation in Russia and Ukraine. Speaking at a congressional hearing, US Deputy Treasury Secretary Ardeyeh Mo expressed concern that sanctions against Russia were "overused". He said that only the United States "imposed 1,000 sanctions on Russian institutions and individuals" after the conflict between Russia and Ukraine.

　　The New York Times summed up the current situation in Russia and Ukraine in five sentences on the 15th — — The Russians are running out of precision guided weapons; Ukrainians are running out of Soviet ammunition; The world has lost patience with this conflict; Biden’s government is at its wit’s end; And China is watching the progress of the situation.

　　"Peace or peace? Ukraine is at a crossroads. " The US National Interest magazine said on the 15th that since Russia changed its offensive strategy, the conflict has entered a certain deadlock, and Russia has made steady progress in eastern Ukraine in recent weeks. "It is estimated that Russia has captured about one-fifth of Ukraine’s territory, while some politicians in the West have begun to question the danger of long-term conflict in Eastern Europe." "National Interest" magazine said that the high cost and risk of protracted conflict should prompt Kiev to at least reconsider the prospect of peace talks with Russia. "Continuing the conflict will push up the cost, and even if Ukraine wins, it will hinder its development."

People’s living standards have improved rapidly in the past two years, and buying a car is no longer a distant dream. I’ll bring this one to you today. Now let’s follow Xiaobian to see what it has done.

Let’s take a look at the appearance of iCAR 03 first. The design of the front of iCAR 03 takes a simple and generous route and looks very sporty. With the headlights, the visual effect is still good. The car is equipped with LED daytime running lights, automatic opening and closing, delayed closing and so on. Coming to the side of the car body, the size of the car body is 4406 mm * 1910 mm * 1715 mm. The car adopts cold lines, which gives people a very simple feeling. With large-sized thick-walled tires, the shape is quite handsome. Looking back, the overall shape of the rear of the car echoes the front of the car, and the taillights give people a very elegant feeling. Overall, they are quite full.

When I came to the car iCAR 03, the interior design of iCAR 03 took a fashionable and simple route, giving people a very fashionable and simple feeling. The steering wheel design of the car is very solid, equipped with the functions of manual steering wheel up and down+front and rear adjustment, steering wheel heating, etc., with a sense of design. Let’s take a look at the central control. The design of the center console is reasonable, which makes the interior design quite layered, and the details are still in place. Let Xiaobian introduce the dashboard and seats. The car is equipped with an elegant dashboard, and the information is easy to read and clear. The car uses leather seats, which are wrapped in place and are very comfortable to ride.

ICAR 03 matches the gearbox, which is 205KW and 385N.m, and its power performance is good.

ICAR 03 trunk space performance is quite satisfactory. If you need to install some large objects, the rear seats also support proportional reclining, which is enough for home use. At the same time, the car is equipped with anti-lock braking (ABS), LED daytime running lights, brake assist (EBA/BAS, etc.), braking force distribution (EBD), traction control (ASR/TCS, etc.), main driving airbag, co-pilot airbag, side airbag curtain, front side airbag and other safety configurations.

This car performs well in terms of space and configuration. As for the design, everyone has everyone’s aesthetics. As long as you really like it, it’s over. Go to the 4S shop and place an order.

1905 movie network news　The film is adapted from the classic original work of the same name and tells the story of affection, love and growth of the four sisters of the March family. Since the release of Christmas in North America last year, the film has won unanimous praise both inside and outside the industry with its emotional core of warm-hearted healing, vivid interpretation of the immortal cast and excellent production by the top Hollywood team, and won six heavy nominations in the 92nd Academy Awards, and finally won the best costume design award.

Among them, "diana frances" Florence Pugh, born in 1996, reshaped the role of Amy, the little sister of Ma Qi’s family in the original work, and won the Oscar nomination for best supporting actress. Little Women was previously withdrawn from the archives in China due to the epidemic, and the date of the archives will be announced another day.

Amy, who is spoiled and ignorant in the original works, has always been a controversial character, but Florence vindicates Amy in the movie Little Women, showing a more real and multifaceted new little sister image. Her self-confidence, rebellion and desire, sober self-awareness and strong personality. Although she dreams of becoming a painter, she can also recognize her lack of talent; Although she insists on the concept that marriage is an economic problem, she can bravely give up the engagement of a rich and powerful family for the sake of man next door Laurie, who has always had a crush on her. Florence accurately depicts Amy’s growing process and complex personality with her strength beyond her age, which shows that the strength of being nominated for the Oscar for Best Female Matching cannot be underestimated.

In addition to the Oscar’s affirmation, Florence’s performance in Little Women has won many praises from the industry and the media. Saoirse Ronan, who plays the second sister Joe, called her portrayal of Amy "unprecedented" and let the audience see "Amy’s struggle"; Director Guilmault del Toro praised her "infinite talent" and her performance "incredible"; Washington post even commented pertinently: "Florence’s performance in Little Women achieved a rare balance. One second she captured Amy’s smart nature, and the next she showed her solemn and reserved behavior."

Florence’s successful shaping of Amy is inseparable from her belief in pursuing realism. Before filming a fight between Amy and Joe, Florence asked Ronan to slap her hard. While filming the scene where Amy fell into the lake while skating, Florence didn’t mind that she had to soak in a big cold pool repeatedly in the cold winter of December. In her own words: "The real feeling of the body helps the performance, and I can’t stand fake things."

Florence Pugh, a 24-year-old British actor, is a dazzling star in Hollywood Ran Ran. In 2017, she won the Best Actress Award at the British Film Awards. In the past two years, it has been her "big year", challenging the horror masterpiece, the masterpiece adaptation film Little Women and the Marvel superhero blockbuster in succession, and trying to broaden the stage. Just recently, in the new preview of Black Widow, she and Scarlett Johansson, a widowed elder sister, were on the same stage to show their extraordinary skills.

In the film, she plays yelena, the younger sister of the black widow. From "little sister" to "widowed sister", she takes the status of "sister professional household". Some netizens ridiculed: "I didn’t expect’ little woman’ Amy to be so able to fight!" It can be seen that the role of Amy is deeply rooted in the hearts of the people. Florence, whose popularity has soared, also appeared on the cover of the famous American fashion magazine VOGUE in February. She has become Hollywood’s new favorite and has a bright future.

Little Women’s lineup behind the scenes is luxurious. The film was adapted and directed by Oscar-nominated director greta gerwig (), and emma watson (Harry Potter series), Saoirse Ronan (Lady Bird) who mentioned four Oscars, and Hollywood rookie Eliza scanlon (Sharp Tool) together with Florence formed "March Sisters Flower", "Sweet Tea" Timothée Chalamet (), four-time Golden Globe winner laura dern () and three-time Oscar winner Meryl Streep ("Washington". Jacqueline Durran, the costume designer of Atonement, Jess Gonchor, the artistic director, and alexandre desplat, the composer, formed the behind-the-scenes team of the Oscar gold medal.

[car home Xuzhou Preferential Promotion Channel] Recently, a large discount has been welcomed in Xuzhou, with the highest discount amount reaching an astonishing 170,000 yuan. At present, the minimum starting price of this car has dropped to 316,000 yuan. If you are interested in this model, you may wish to seize this rare opportunity, go to the preferential promotion channel in Xuzhou, car home, and click "Check the car price" in the quotation form to get a higher discount.

Mercedes-Benz EQE SUV attracts many eyes with its modern and dynamic design. The front part adopts the iconic large-size air intake grille, which is matched with a unique LED headlight group, showing a scientific and technological visual effect. The body lines are smooth, the overall shape is elegant and full of strength, which shows the consistent luxury and quality of Mercedes-Benz brand.

Mercedes-Benz EQE SUV has a body size of 4880*2032*1679 mm and a wheelbase of 3030 mm, which gives it spacious interior space and excellent ride comfort. The lines on the side of the car are smooth and elegant, showing the perfect combination of movement and strength. With 19-inch wheels and 235/55 R19 tires, it not only improves the grip and handling performance of the vehicle, but also shows its unique style and taste.

The interior style of Mercedes-Benz EQE SUV is luxurious and scientific. The center console is equipped with a 12.8-inch central control screen, which integrates the control functions of multimedia system, navigation, telephone, air conditioner and sunroof, supports voice recognition control system, and improves the convenience and comfort of drivers. The steering wheel is made of leather, with electric up-and-down and forward-and-backward adjustment functions, ensuring that the driver can get the best grip experience in different driving conditions. The front seats are made of imitation leather, and the front and rear seats can be adjusted, the backrest can be adjusted, the height can be adjusted (4-way), the leg rest can be adjusted and the waist can be supported (4-way), and the electric seat memory function provides personalized settings for the driver’s seat and the co-pilot seat, further improving the riding comfort. There are also a number of USB and Type-C interfaces in the car, including three in the front row and two in the back row, which is convenient for passengers to charge electronic equipment and supports the wireless charging function of mobile phones. The rear seats can be laid down in proportion to increase luggage space.

The motor of Mercedes-Benz EQE SUV can output a maximum power of 300 kW and a peak torque of 858 Nm, which provides strong power performance for the vehicle.

The owner of car home said that although the power performance of Mercedes-Benz EQE SUV was excellent, the low-profile model was not equipped with rear wheel steering function, which made the vehicle inflexible. In addition, the handling is still not as good as his BMW 3 Series, especially when encountering a big pit, the body has more redundant shaking and the suspension system is too soft.

After the new upgrade of Huawei’s smart car selection model, Huawei’s "HarmonyOS Zhixing" was born, and the new HarmonyOS Zhixing will provide smart travel solutions for car companies more comprehensively and deeply. At present, the AITO Wenjie brand cooperated by Huawei & Cyrus and the Zhijie brand cooperated by Huawei & Chery have both achieved the launch of new cars. In 2024, Huawei will cooperate with BAIC and JAC to launch two brands and new cars, namely "Enjoy the World" and "Proud World", so as to realize the "World" and "Four donkey kong" in the lineup.

At present, the new models M7 and M9 of AITO’s Wenjie brand have received strong response from the market, and the S7, the first car of Zhijie brand, has also received tens of thousands of orders after its listing, which has made Huawei’s HarmonyOS Zhixing take the lead in the news. In 2024, the four "Jie" brands of Huawei HarmonyOS Zhixing will usher in a product explosion. The author of this article will take you to discuss the heavy new cars that will be launched by the four "Jie" brands in 2024 in advance.

1. AITO boundary: changed boundary M7, new boundary M5 and boundary M8.

According to the news, AITO Wenjie brand is expected to push three new cars in 2024, namely, the new M7, the new M5 and the Wenjie M8, which are expected to be unveiled or listed in the second quarter, the first half and the second half respectively.

First, change M7. The M7 currently on sale is a model M7 that was launched in September 2023. It is a new model that has been upgraded on the basis of the first M7 in 2022. It is precisely because of the arrival of the new M7 that Huawei Smart Car has been reborn.

The modified M7 that will be launched in 2024 may be a mid-term modified model, because it has been two years since the first M7 went on the market, and it is time for the mid-term modified M7 to come. At present, there is no more news about the modified M7, but we can briefly analyze it with reference to the new M7. There are many differences in design between the new M7 and the new M7. The M9 is a design style in the new energy era, while the M7 is still a traditional fuel car shape, so the modified M7 will definitely make a big size adjustment in appearance design. On the power level, the modified M7 will still be a combination of the current 1.5T range extender+motor+battery pack, and some models will also have a four-wheel drive system.

Secondly, the new model M5 is expected to be unveiled at the Beijing Auto Show in 2024. The cash model M5 is a 2023 model, which is based on the 2022 model just like the M7 model, and is designed with traditional fuel vehicle modeling elements. In 2024, the new M5 is expected to be upgraded in details such as exterior and interior like M7, and adjusted to a family-style design language similar to M9. However, the official news has not yet responded, and we will wait together.

Finally, the brand-new M8 is expected to be launched in the second half of the year. Different from M7 and M5, Wenjie M8 will be a brand-new SUV. From the figures, it will be between M7 and M9, and it will provide 6-seat or 7-seat layout. The appearance of M8 will be basically the same as that of M9, and the family design language will be strengthened. In terms of body size, the car is expected to be smaller than M9 and larger than M7. It is predicted that the wheelbase will be 3 meters and the body length will be about 5.1 meters, positioning medium and large SUVs.

In the car, the HarmonyOS intelligent cockpit system will provide a wealth of driving and entertainment functions. The intelligent driving assistance system is expected to be equipped with HUAWEI ADS? 2.0 fusion sensing system to achieve high-level intelligent driving assistance. In terms of chassis, the M8 will be equipped with Huawei Turing intelligent chassis, and air suspension +CDC electromagnetic damping shock absorber is expected to appear on some models. The power system is an extended range hybrid power system consisting of 1.5T range extender+motor+battery. At present, the price range of M9 is 469,800 yuan to 569,800 yuan, and the price of M7 is 249,800 yuan to 379,800 yuan. Therefore, it is not difficult to guess that the price of M8 is expected to be in the range of 350,000 yuan to 450,000 yuan. If it is in this range, then M8 will compete with ideal L8 or ideal L9, and the competition in the new energy luxury SUV market will be more intense in the next 500,000 years.

2. Intellectual world: Intellectual world S9

Zhijie S9 is the second model after Zhijie S7. It is reported that the car will be launched in the second quarter of 2024. Previously, a lot of camouflage spy photos have been exposed about the car. From the photos, it can be seen that the car is a coupe SUV, which has the style of Tesla Model Y. Specifically, the shape of the front of the car is similar to that of Zhijie S7, which adopts a closed grille design. The upper part of the front of the car is equipped with a 192-line laser radar consistent with Zhijie S7, and will be equipped with Huawei ADS 2.0 advanced intelligent driving assistance system.　

The side of the car body is a typical coupe SUV posture, and the roof line at the B-pillar position is very smooth. The door handle is of concealed design, the wheel hub painted in black is not small in size, and the internal red calipers are very sporty. Referring to the high-profile model of Zhijie S7, S9 is expected to use Brembo high-performance brake calipers.

The cockpit in the car is similar to that in Zhijie S7. The large-size LCD instrument and the central control screen are clearly visible. The steering wheel is still a compact olive three-position steering wheel consistent with Zhijie S7. There is also a Huawei SOUND audio head in the upper center of the center console. In other respects, the Harmony OS 4.0 system will be installed in the central control screen, providing rich entertainment functions.

In terms of power, Zhijie S9 is expected to be equipped with Huawei’s own motor, but the specific data is still unclear. With reference to Zhijie S7, the maximum power of a single motor after S7 is 215 kW, the front motor of the four-wheel drive version is 150 kW, and the acceleration time of the four-wheel drive version is 3.3 seconds per hour. At present, Zhijie S9 will also focus on sports, so its speed-up ability will not be low, and it is expected to be within 4 seconds. As the second new car of Zhijie brand, Zhijie S9 is expected to be listed in the second quarter of this year at a future price of 250,000 to 350,000 yuan against Model Y. Then we will see what its price will be.

3, STELATO enjoy the world: C-class pure electric smart car

In addition to the intellectual and intellectual circles, the brand of Huawei and BAIC is designated as Stella to enjoy the world. The first model, with its internal code name STELATO X4, is positioned as a C-class pure electric smart car, which will be officially released before the Beijing Auto Show in 2024. Previously, a group of camouflage photos of the car have been exposed on the Internet. From the photos, it can be seen that the car is similar to the intelligent S7. The front of the car has wider vision, the grille of the middle net and the vent of the lower bumper are wider, and there is a lidar device at the top of the front of the car. It is expected to be equipped with Huawei ADS 2.0 advanced intelligent driving assistance system.

On the side of the car body, you can see that it uses electronic rearview mirrors, hidden door handles and large-size low-drag wheels. The vision of the rear of the car is relatively thick. It is expected to adopt the design of penetrating taillights. The area of the left and right light groups is not small, and the internal structure is similar to that of the S7 taillights in Zhijie. There is no light group function that can support custom display patterns like the M9 in Wenjie. There is no exaggerated diffuser design in the lower bumper position, which is consistent with the positioning of his C-class smart car, with more luxurious administration and less exaggerated sports model.

In the interior part, at present, the interior design of Huawei’s Zhijie S7 and S9 and the car that enjoys the world are basically the same. You can see the olive-shaped three-position steering wheel and the suspended central control large screen, but you can see that the instrument of the car is not a suspended screen, but a traditional design with a sunshade. It is expected that Huawei’s HarmonyOS OS system will remain in the central control screen, and it will provide more intelligent entertainment functions. A large number of leather materials can be seen in seats, door panels and central control handrails, and the luxury and comfort in the car is expected to be relatively good, which is also consistent with the positioning of C-class cars. In terms of price, it has been reported that the price of this car will be in the range of 300,000 to 400,000 yuan, which is higher than that of Zhijie S7, and the price is also higher, which will directly affect the BBA luxury brand medium-sized car market in the future.

Previously, according to the relevant announcement issued by Beiqi Blue Valley, Beiqi New Energy will carry out intelligent selection cooperation with Huawei Terminal Co., Ltd., and the first model will be positioned as a high-end intelligent pure electric car. The company upgraded the existing BE22 platform in all directions to build a new generation of high-end pure electric intelligent networked automobile platform of BAIC New Energy. The upgraded BE22 platform products will be produced by Beijing High-end Intelligent Ecological Factory. The upgraded BE22 platform product mentioned in the announcement at that time may be the current C-class sedan, but we will continue to pay attention to more information about this car.

4. Aojie: cars, SUVs and MPVs.

The smart car brand that Huawei cooperates with Jianghuai may be named "Aojie", and the new brand will cover three categories: cars, SUVs and MPVs. According to an industry research report of China Merchants Securities circulating in the market, the first model of the smart car jointly developed by Huawei and Jianghuai is a million-class car with a standard of Maibakh, code X6, which is scheduled to be released in the fourth quarter of 2024.

At present, there is little news about Aojie’s first car. However, from other models under Huawei’s HarmonyOS Zhixing Technology Alliance, it can be guessed that the future Aojie’s first car will also have Huawei’s HarmonyOS OS 4.0 intelligent cockpit, Huawei ADS 2.0 advanced intelligent driving assistance system, Huawei Turing intelligent chassis, smart car digital platform and Huawei giant whale battery, etc. This million-class car that will bid for Maibakh will be the first million-class product under Huawei’s HarmonyOS Zhixing Alliance. We will continue to pay attention to the news of new models in Aojie.

5. Other news: Sales channel upgrade.

In addition to occupying an advantageous position in technical resources, Huawei HarmonyOS Zhixing can also provide rich sales channels for smart car products with the help of widely distributed Huawei stores, which is unmatched by regular direct stores and dealers’ 4S stores.

Previously, the author saw models such as Wenjie M5, Wenjie M7 and Zhijie S7 in the Huawei authorized experience store of Xihongmen Gathering Center in Beijing. At that time, Wenjie M9 was not listed. However, judging from that store, due to the limited area, it seems that it is impossible to place a larger model M9. In fact, this is also a common problem in many supermarkets such as Huawei authorized experience stores and life museums. Huawei has taken action on this issue.

According to Weibo, the official of HarmonyOS Zhixing, China Post is building a new HarmonyOS Zhixing User Center, which will develop together with the existing AITO Internet User Center managed by Cyrus. In addition, according to relevant investment documents, HarmonyOS Zhixing is open to 78 cities across the country to join the user center, and the services provided by the user center include sales, delivery and after-sales. The user center is divided into S, A, B and C4 levels, and each level has different requirements on area, parking space and capacitance.

The author saw from HarmonyOS Zhixing official website that there are already two HarmonyOS Zhixing user center stores in Beijing, and then tried to place an order from HarmonyOS Zhixing APP to ask for M9 and Zhijie S7 respectively. The pick-up point of Zhijie S7 does not match the AITO authorized user center, but only supports the pick-up point of HarmonyOS Zhixing user center, while all the models of Wenjie support HarmonyOS Zhixing user center and AITO authorized user center to pick up cars.

It is reported that in 2024, the number of HarmonyOS Zhixing stores newly built by Huawei is expected to reach about 800, and it will hit 1,000 in 2025. Therefore, from the above point of view, in the future, Huawei’s HarmonyOS Zhixing cooperative model will have different levels of stores including Huawei Experience Store, Smart Life Museum, AITO Experience Center and HarmonyOS Zhixing User Center to provide strong channel support.

Write it at the end

In 2024, Huawei’s HarmonyOS Zhixing will be a year of concentrated outbreak. From the product point of view, AITO’s brands 5, 7, 8 and 9 will go to war with LI’s L series in an all-round way, and Zhijie S7 will compete with new power cars of the same class and traditional independent brand new energy cars, while Zhijie S9 will target the current sales of new energy SUVs as Tesla Model Y, which will be a more intense battle. STELATO’s brand-new C-class sedan not only has influence in the field of new energy, but will further threaten the traditional luxury brand fuel medium-sized sedan. Although there is not much news about Aojie’s new cars at present, it is enough to earn enough attention by positioning and benchmarking Maibakh at a million levels.

From the perspective of sales channels, further expanding and perfecting the multi-level sales service system will alleviate the current sales and delivery problems of HarmonyOS Zhixing. However, the market environment is changing rapidly, and the traditional independent brands headed by BYD cannot be underestimated. What new cooperative car companies and models will Huawei HarmonyOS Zhixing have in 2024, and what will be the sales volume? Let’s wait and see.

Nursery, Nicholas Tse, and Zhang Jingchu (from left to right) at the press conference.

The Witness poster

　　Yesterday, the police blockbuster "Witness" held a press conference. Director Lin Chaoxian appeared with Nicholas Tse, Zhang Jingchu, and the nursery. Nicholas Tse spoke sweetly about his wife and children, saying that Cecilia and children are "my motivation, not a burden". He also said that Cecilia is not taking up work now, and it is her duty to take care of children at home.

　　Our reporter, Cheng *******, photography report

　　Direct hit on the spot, the four main creators "mutually sealed" the best actor and queen

　　The director of this film, Lin Chaoxian, is a new generation director in Hong Kong. His representative works include "Thousand Opportunities" and "The Story of the Wind and Clouds". He is full of confidence in the box office, and he released a bold statement on the spot that he will use this film to advance to the ranks of billion-dollar box office directors. In the trailer that was first exposed yesterday, the reporter saw a large number of fierce street fights in Hong Kong, and the handsome guy Xiao Xie had a reborn performance, rough and strong, full of mature man flavor. And Zhang Jingchu completely changed his image and played a strong woman.

　　Want to use this corner to compete for next year’s Academy Award Best Actor

　　When the media asked Nicholas Tse if he wanted to be the successor of Andy Lau, he said that it was an honor to be known as the successor of Andy, who he respected very much. However, Nicholas Tse, who has a strong personality, said that he did not want to be the successor of anyone. He just wanted to do his job well, do his job well, and make every play well. As for how the outside world evaluates it, he will not pay too much attention to it.

　　Tse, who is a father, clearly understands responsibilities and obligations better. He admits that because it is the first time to play opposite children, there is a lot of inner drama, which is more difficult. He said that he has been honing his acting skills in recent years, hoping to get rid of the shackles of the idol school title. "I hope that I can compete for the best actor at the Academy Award next year with’Witness’." As for whether he can become a new generation of powerful figures in the Hong Kong film industry in recent years, he said, "Let me give the best answer with my performance."

　　After filming, Nicholas Tse will shake Zhang Jingchu’s hand

　　The temperature in Beijing dropped sharply yesterday, but Zhang Jingchu appeared in a cool tube top skirt as a prosecutor with two children, and she chose the word "struggle" to describe her performance in the film. Zhang Jingchu said that in the film, facing the pain of losing her daughter due to the threat of kidnappers, it is very difficult to not only keep a strong woman calm, but also to struggle between justice and evil.

　　Asked by a reporter whether the now dedicated Tse was similar to the Andy Lau she once worked with, she laughed and said, "I have worked with both of them, and I have killed all the handsome guys, and both of them are great actors." My impression of him was that he was very handsome and self-centered, as if he was the only one in his world, maybe that’s why many girls are crazy about him. "Then she added tactfully," In fact, he is a sensitive and soft-hearted person, but he is not used to showing that side in public. "After each filming, she said, Xiao Xie shook her hand and asked herself if this would help her get into the situation of the play." There was a case of going through garbage in a garbage dump. In order to be real, he had to smear his hands with leftovers and leftovers. The unpleasant smell made the staff cover their noses and run away, but Nicholas Tse did not change his face. "

　　Nursery yesterday wore a royal blue dress and pink sexy stockings. In the film, she played Zhang Jiahui’s paralyzed lover, and she could only "act" with her fingers and eyes. Director Lin Chaoxian praised her and said, "You can win next year’s Academy Award for Supporting Actress with a few eyes." Nursery immediately returned the best director and best actor to Lin Chaoxian and Nicholas Tse.

　　Media interview "Cecilia Cheung is doing what a mother should do"

　　Yesterday, Nicholas Tse showed emotional maturity, revealing that he has been grinding his acting skills, and confidently said that he will compete for the best actor in next year’s Academy Awards with this film, and asked the media to be "witnesses" for him and this film.

　　Nicholas Tse, who is desperately trying to take on the show and earn money to support his family, was exposed by the creators yesterday. And Nicholas Tse’s words revealed his true feelings after the ups and downs, and he admitted that "he has never cried like this on the screen". This mature man moved the audience with his sense of responsibility and willingness to take responsibility.

　　Reporter: The creators all said that you worked very hard on the set, and a lot of flying car fights were played in person?

　　Nicholas Tse: In the movie, I played a police officer who was eager for self-redemption and was very responsible. I even took the risk to climb the exterior wall of a 7-story building on the street of Mong Kok. Once, after filming a fight scene, glass shards entered my eyes and insisted on going home after filming. The pain was unbearable, and I didn’t want to tell my family. But after staying up all night, I couldn’t stand going to the hospital at 4 am and found that my cornea was seriously scratched. Although I was forbidden by the doctor to work again, I went to film after two days of rest.

　　Reporter: Would you consider the feelings of your family when filming such a dangerous play?

　　Nicholas Tse: When shooting, if a lot of dangerous actions were 0.01 seconds late, I wouldn’t be able to stand here today. Cecilia and the children, they are my driving force, not my burden. When shooting dangerous scenes, I think I can complete that action and do it better, so that when the child grows up, he can feel that his father did not come from a blank sheet of paper, and his father has paid seriously. After his (son’s) 1st birthday, I personally cut an action short film for him, so that he can watch it when he grows up. I hope that in the future, he will understand that his father fought so hard because he doesn’t want his son to fight so hard in the future.

　　Reporter: There are rumors that Cecilia wants to let her son Lucas enter the entertainment industry to shoot advertisements. Is the news true?

　　Nicholas Tse: In fact, there have been such rumors since he was born. There are indeed many friends and advertisers looking for us, but I will not let him enter this circle so early. Indeed, I do not want him to take this path.

　　Reporter: Cecilia has been resting at home, and you have just bought a luxury house worth nearly 100 million yuan for your family. Will it be too stressful to support your family alone?

　　Nicholas Tse: My wife, she does what a mother should do, because my father has no time, only my mother takes care of the children. In fact, I have been working hard outside, and it was the same before marriage. I have never changed. All along, no matter everything, movies and music, my love life has been overwhelmed. In fact, Nicholas Tse has not changed from his teens to his twenties, but my growth has been watched.

　　Reporter: How is Cecilia now? Will she make a comeback?

　　Nicholas Tse: She just enjoys her current life temporarily, and occasionally goes shopping to eat. (interrupted by the staff)

　　Reporter: Did you ever force Jingchu to beat yourself up in the play?

　　Nicholas Tse: In the film, I was hit by Zhang Jingchu many times. She didn’t dare to hit me at that time, so she tried to slap her seventeen or eighteen times, but it was too light. The director asked me to talk to her by myself, but I didn’t think it was enough to encourage her, so I made her unhappy. I told her that if you really fight, don’t worry. If you don’t hit Nicholas Tse, you will regret it for the rest of your life.

　　Reporter: In a scene with a 6-year-old girl, your hoarse crying was very impressive.

　　Nicholas Tse: I have never cried on the screen like this. I was so stressed that I didn’t know if I could achieve an emotional outburst. After more than 20 hours of filming that day, I kept thinking about some unhappy things and tortured my soul. As a result, I entered the play and cried earth-shattering.

Editor in charge: Li Dan

Zhongguancun online news:At 4pm on April 18th, Lei Jun will launch a live online broadcast with the theme of "Never Unexpectedly" to talk with users about the feelings of Xiaomi SU7 after it is put on sale. Subsequently, Lei Jun also said that the live broadcast specially prepared some small gifts for users, including very popular mugs and car models, and one will be drawn every minute during the live broadcast.

Lei Jun said that the order of Xiaomi SU7 "far exceeded our most optimistic expectation", Xiaguang purple became the hottest color, and the proportion of female car owners was very high … Users interested in these sales details can pay attention to this live broadcast.

It is worth noting that Xiaomi SU7 will also start 24-hour limited-time reconfiguration from 9: 00 on April 19, and users of non-original locked orders can reconfigure it in Xiaomi Auto APP.

Cctv newsOn March 22nd, the State Council Office held a press conference to cope with the impact of international epidemic and maintain the stability of financial markets. Liang Zhou, vice chairman of the Bank of China Insurance Regulatory Commission, said that the turmoil in the international financial market and the downward pressure on the domestic economy will definitely have a certain impact on the banking and insurance industry in China, but overall, the impact will not be too great. Economic stability leads to financial stability. From a fundamental point of view, the long-term trend of China’s economy has not changed.

Guard against financial risksIs the eternal theme of the financial industry. The financial market order is constantly improving. Since the National Financial Work Conference, China Banking and Insurance Regulatory Commission has focused on preventing and resolving financial risks, and has achieved positive results. The national macro leverage ratio has remained basically stable, and financial risks have also changed from the original divergent state to convergence. In the past three years,The total amount of non-performing loans handled by the banking industry reached 5.8 trillion yuan, and high-risk businesses such as shadow banking and cross-finance dropped by 16 trillion yuan.A number of financial institutions with problems have been disposed of in an orderly manner.The risk of peer-to-peer lending (P2P) has also dropped significantly, and the number of online lending institutions actually operating at present has decreased by nearly 90% compared with three years ago.A number of illegal fund-raising cases have also been severely investigated and punished, and the relevant personnel have also been punished.

Banking and insuranceRisk resilience and coping resourcesVery abundant. In recent years,Return to the source or focus on the main business, has become the development trend of banking and insurance industry. In January and February this year, new RMB loans reached 4.2 trillion yuan, an increase of 130.8 billion yuan year-on-year, which strongly supported the prevention and control of the epidemic and economic growth. In February, although many enterprises closed down and the real economy of small and medium-sized enterprises was affected, from the financial data, the non-performing loan ratio of banking institutions only increased by 0.06 percentage points at the end of February compared with the beginning of the year, and the non-performing loan ratio is now 2.08%. At the same time, the loan loss reserve of banking institutions exceeds 6 trillion yuan.There are a lot of resources dedicated to dealing with future risks.The coverage ratio of provisions reached 181% (that is, 100 yuan of non-performing loans, and 181 yuan of loss reserves will be prepared there). The bank’s capital adequacy ratio has reached 14.6%, and the insurance solvency adequacy ratio is 247%.