Different from the rapid development in the previous two years, in 2018, especially in the second half of the year, the growth rate of credit card business of many banks declined, banks gradually returned to calm, and credit card performance was divided. The "rise" of NPL ratio has sounded the alarm for banks. In the future, banks will pay more attention to "quality" on the basis of increasing "quantity" of credit cards — —

　　The non-performing rate of credit cards soared and credit consumption peaked … … Since the second half of last year, the risk of bank retail business has been widely discussed, among which credit card business has become the core topic.

　　What is the development of credit card business of listed banks in 2018? What new changes have taken place? Is the credit card business really as "bad" as the market circulated?

　　Slow card issuing speed

　　After analyzing the 2018 annual reports of a number of listed banks, the Economic Daily reporter found that, unlike the rapid development in the previous two years, in 2018, especially in the second half of the year, the growth rate of credit card business of many banks declined, and banks gradually returned to calm, and credit card performance began to differentiate.

　　In terms of cumulative card issuance, five banks, namely Industrial and Commercial Bank of China, Agricultural Bank of China, China Bank and China Construction Bank, have exceeded 100 million cards, with the number of cards issued reaching 151 million, 103 million, 110 million and 121 million respectively. In addition, the data of China Merchants Bank’s semi-annual report in 2018 shows that its cumulative number of cards issued has also exceeded 100 million.

　　"Although the four state-owned banks firmly occupy the top spot in cumulative card issuance, the trend of stock banks coming from behind should not be underestimated. For example, the cumulative growth rate of card issuance by Shanghai Pudong Development Bank, China CITIC Bank and China Everbright Bank is above 30% year-on-year, far exceeding the average growth rate of 16% of Agricultural Bank of China, Bank of China and China Construction Bank. " Su Xiaorui, a researcher at Sack Research Institute, said.

　　In terms of new card issuance, Agricultural Bank of China issued 18,010,600 new cards, ranking first, which also made the cumulative card issuance of Agricultural Bank of China reach 103 million, becoming a new member of the credit card "100 million clubs" after ICBC, CCB, China Merchants Bank and Bank of China. The annual report shows that CITIC Bank, Ping An Bank, Shanghai Pudong Development Bank and China Everbright Bank have also issued more than 15 million new cards.

　　Li Wanfu, a researcher at Rong 360 Big Data Research Institute, said: "In terms of the year-on-year growth rate of new card issuance, most banks maintained a moderate level of around 10% in 2018." According to statistics, China Everbright Bank and China CITIC Bank performed outstandingly, with year-on-year growth rates as high as 64.05% and 43.44% respectively. Minsheng Bank is as low as 3.91%; The number of new cards issued by Zheshang Bank has shrunk by 29.45%. It is not difficult to see that the trend of differentiation is very obvious.

　　Overdraft balance and consumption are stable.

　　The "Overall Situation of Payment System Operation in 2018" shows that by the end of 2018, the total credit granted by bank cards was 15.40 trillion yuan, a year-on-year increase of 23.40%; The credit balance of bank cards is 6.85 trillion yuan, with a year-on-year growth rate of about 23%. Although it has slowed down compared with the growth rate of 36.83% in the previous year, it is still in the stage of scale expansion as a whole.

　　Specific to major banks, the overdraft balance of ICBC and China Construction Bank exceeded 600 billion yuan, and China Merchants Bank and Bank of Communications exceeded 500 billion yuan.

　　It is worth noting that Zheshang Bank, which ranks at the bottom in terms of card issuance and overdraft balance, has a much faster expansion rate than other banks. Judging from the overdraft balance, its year-on-year growth was 165.32%.

　　Judging from the ratio of overdraft balance to the scale of personal loans of banks, credit card overdrafts (loans) of many banks account for over 30% of personal loans, for example, the data of Everbright Bank is 38% and Minsheng Bank is 32%.

　　Observing the amount of credit card consumption/transaction, many banks also performed well. For example, China Merchants Bank, which is good at retail business, ranks first in the banking industry with an annual consumption record of 3.79 trillion yuan, while Bank of Communications is close behind with an annual consumption of 3.07 trillion yuan. China Construction Bank, Industrial and Commercial Bank of China and Ping An Bank are all above 2.5 trillion yuan; Postal savings bank and zheshang bank are the lowest, and the annual credit card consumption is less than 1 trillion yuan.

　　"Analysis of the 13 banks that have announced the credit card consumption transaction volume in 2018, the ranking of their annual transaction volume is basically the same as that in the first half of 2018. Only Shanghai Pudong Development Bank overtook the Agricultural Bank with a slight advantage of more than 50 billion yuan." Li Wanfu said.

　　Judging from the year-on-year growth rate, the three banks exceeded 50%. Among them, Zheshang Bank has a growth rate of 176.02% due to its small base; Ping An Bank and Shanghai Pudong Development Bank are also above 50%; Among the large state-owned banks, Bank of Communications and Postal Savings Bank grew rapidly, while Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank were relatively stable, with an increase of less than 20%. Other banks are at 25% to 40%.

　　It is worth noting that in 2018, banks actively explored the profit space of credit cards. In addition to the regular credit card loan business, they also launched various installment products and deferred repayment products to solve the short-term capital turnover problem of users. These products, on the one hand, have consolidated the competitiveness of bank credit cards, on the other hand, they have also become an important means to increase income of credit cards. According to the data released by UnionPay, the credit card installment income of UnionPay data customers accounted for 36.7% in 2018, surpassing the interest income accounting for 30%, becoming the largest source of income for credit card business.

　　Credit card non-performing rate rises

　　"In the past two years, the development momentum of personal consumer finance has been relatively strong, and excessive credit and long-term lending have become hot topics. With the expansion of the number of cards issued, the total credit and the overdraft balance, the risks behind it are gradually exposed. " Su Xiaorui said.

　　According to the annual report, due to the influence of macroeconomic trends, the non-performing rate of credit cards in many banks increased in 2018. The data shows that Minsheng Bank has the highest credit card non-performing rate, reaching 2.15%, up 0.08 percentage points year-on-year; The NPL ratio of CITIC Bank was 1.85%, second only to Minsheng Bank, but it increased the most, reaching 0.61 percentage points. Pudong Development Bank, Postal Savings Bank, Ping An, Zheshang and China Construction Bank also rose to varying degrees.

　　According to the report of Sack Research Institute, it is no accident that the bad credit card rate of many banks rises simultaneously. Firstly, it is affected by the downward pressure of macro-economy. Secondly, some joint-stock banks’ credit card development strategies are more radical before, and the competition for card issuance is white-hot. After weakening the risk control, some customers with poor qualifications and serious joint debts may be introduced.

　　In addition, Li Wanfu said that the regulatory environment has become stricter, and banks’ criteria for identifying non-performing loans have become stricter. Loans that are overdue for more than 90 days can no longer be classified as non-performing, which has also led to an increase in the non-performing rate of some banks to some extent.

　　In the eyes of the industry, the "rise" of non-performing rate has sounded the alarm for banks. In the future, banks will pay more attention to the pursuit of "quality" on the basis of "quantity" of credit cards, but they will not be held back.

　　"It is expected that the scale of credit card business will maintain a steady growth rate in 2019. In addition to introducing more credit data to optimize the risk control model, banks will develop more related products for users with good credit habits, meet the individual needs of users, expand users’ credit ability, and increase the per capita profit space of credit cards. " Li Wanfu said.

Start the Q2V test drive tour of flying saucer, and offer super dry goods. The reserved entrance, store location, precautions and surprise offers are all covered to help you easily get the test drive.

1. 4S store site:
Visit the 4S store under the flying saucer Q2V car line.
Express the test drive intention and interested models to the staff in the store.
We will provide you with detailed vehicle introduction and recommendation, and assist in the test drive booking process.
2. official website/applet:
Visit UFO Q2V official website or official applet.
Click on the "Appointment Test Drive" section.
Fill in the basic information, choose the vehicle type and test drive location.
After submission, the professional team will contact you to arrange a test drive.
3. Online booking for third-party platforms:
Visit well-known third-party platforms of automobiles, such as Pacific Auto Network.
Find the booking page of flying saucer Q2V test drive, and fill in and submit the information.
Waiting for appointment confirmation
4, VIP exclusive test drive:
As a customer or member of flying saucer Q2VVIP.
Make an APPointment for a test drive through the customer service hotline, VIP dedicated app or applet.
Enjoy priority test drive and exclusive discount.

1. Determine whether you meet the test drive requirements, such as whether the driver’s license is over one year, whether the age meets the requirements, and prepare your ID card and driver’s license.
2. Before the test drive, the consultant will introduce the vehicle operation and safety functions, and it is recommended to listen carefully.
3. During the static experience, pay attention to the details such as the interior, space and configuration of the vehicle.
4. During the dynamic experience, pay attention to the details such as the power, handling, comfort and quietness of the vehicle.
5. After the test drive, if you are interested in the vehicle, you can consult the price, preferential activities and financial plan.

1. As a member or registered user of flying saucer Q2V, you can enjoy exclusive benefits such as free maintenance, discount on maintenance, priority test drive, etc. See official website or APP for details.
2. Platforms such as Pacific Auto Network cooperate with car brands, and make an appointment for a test drive to receive red envelopes, car purchase subsidies and other benefits to help save money and worry about buying a car.
3. When replacing a new car, some flying saucer Q2V stores provide replacement subsidies, and the old car can be replaced by cash or discount. Please consult the local dealer for details.

　　"Guangzhou Haizhu released" WeChat WeChat official account news, and the office of novel coronavirus Epidemic Prevention and Control Headquarters in Haizhu District of Guangzhou informed that on September 22nd, a case of nucleic acid test positive was found among the close contacts in centralized isolation observation in Haizhu District, and the epidemic prevention and control headquarters in COVID-19 District carried out the disposal work of flow tracing, isolation control, nucleic acid detection and medical treatment in an orderly manner. The relevant information is hereby notified as follows:

　　caseFemale, 64 years old, living at No.393, South of Jiangnan Avenue, Changgang Street, Haizhu District, has been closed-loop transported to the Eighth Hospital affiliated to Guangzhou Medical University for isolation treatment, and was diagnosed as a positive case of novel coronavirus (asymptomatic infection).

　　According to the needs of epidemic prevention and control, after expert evaluation, sinceFrom September 23rd, we will visit No.383, No.385, No.391 and No.393, Jiangnan Avenue South, Changgang Street.Implement temporary control, and implement the prevention and control measures of "people don’t leave the area, taking things at the wrong peak".

　　The above regional scope and prevention and control requirements will be adjusted in a timely manner according to the changes in the epidemic prevention and control situation. If residents in the temporary control area encounter difficulties in life, medical treatment, psychology and law, they can call the 24-hour warm-hearted service hotline: 18924108949 (medical service) and 66218860 (life support).

　　According to statistics from the National Bureau of Statistics, the total retail sales of consumer goods in China reached 36.6 trillion yuan in 2017, a net increase of 3.4 trillion yuan over 2016 and a year-on-year increase of 10.2%. This is the 14th consecutive year that the total retail sales of social consumer goods has achieved double-digit growth, and final consumption continues to play a fundamental role in stimulating economic growth.

　　In 2017, the contribution rate of China’s final consumption expenditure to economic growth was 58.8%, down 7.7 percentage points from the previous year. This is mainly because the contribution rate of net exports of goods and services in 2017 increased by 18.7 percentage points over the previous year, and the driving force for economic growth increased significantly.

　　However, although the contribution rate has declined, the position of final consumption expenditure as the main driving force for economic growth has not changed. From 2013 to 2017, the average annual contribution rate of final consumption expenditure to economic growth was 56.2%, the average annual contribution rate of total capital formation was 43.8%, and the average annual contribution rate of net exports of goods and services was almost zero.

　　While consumption is growing steadily, the transformation and upgrading of retail formats is also more obvious. Emerging formats have maintained rapid growth, and the innovation and transformation of traditional physical retail industry has achieved outstanding results, showing a trend of online and offline integration. Online retail continued to grow rapidly on the basis of the high growth rate of last year. In 2017, the national online retail sales reached 7,175.1 billion yuan, an increase of 32.2%. In addition, the operating performance of 5,000 key retail enterprises monitored by the Ministry of Commerce showed a continuous upward trend, with annual sales increasing by 4.7% year-on-year, 0.3 and 0.7 percentage points faster than the first half of the year and the previous year respectively.

　　At the same time, at present, China’s supermarkets, department stores and other retail formats rely on new technologies such as the Internet of Things, artificial intelligence and mobile Internet, and constantly improve the logistics distribution system, which is deeply integrated with e-commerce platforms, and a new retail format that pays more attention to consumer experience and integrates catering, shopping, entertainment, leisure and other functions has emerged.

　　In 2017, China’s Engel coefficient was 29.3%, down 0.8 percentage points from 2016 and 3.7 percentage points from 2012. The consumption structure of residents continued to improve, and consumers’ demand for high-quality and personalized goods continued to increase, which led to the rapid growth of consumption upgrading products. In 2017, the production and sales of household appliances and cosmetics, communication equipment and new energy vehicles, including units above designated size, all increased significantly. Catering, entertainment, cultural leisure and healthy old-age consumption continued to flourish, while shared consumption and experiential consumption developed rapidly. The number of tourists and tourism revenue also increased rapidly.

　　In addition, the stability of consumer prices, the accelerated growth of residents’ income and the improvement of the imbalance in the consumer market have also laid the foundation for further exploring the consumption potential. From the price point of view, in 2017, the national consumer price rose by 1.6% year-on-year, and the growth rate narrowed by 0.5 percentage points compared with the same period of last year. In terms of residents’ income, in 2017, the per capita disposable income of the national residents was 25,974 yuan, a real increase of 7.3% over the previous year, and the actual growth rate was 0.4 and 1.0 percentage points faster than GDP and GDP per capita respectively. At the same time, with the rapid growth of rural residents’ income and the continuous promotion of policies such as precision poverty alleviation and e-commerce into rural areas, the retail sales of consumer goods in rural areas reached 5.2 trillion yuan, up 11.8% year-on-year. Consumption in the central and western regions continued to lead, and the annual sales of key retail enterprises in the western region were 0.5 and 0.4 percentage points higher than those in the eastern and central regions respectively.

　　At present, as China’s economy has gradually entered the stage of high-quality development, China’s consumption has also entered a new stage of development with diversified demand, continuous expansion of scale and structural optimization and upgrading. This requires us to focus on the contradiction between the obvious increase in consumer demand, diversified development and unbalanced and insufficient market supply, create a better consumption environment, cultivate new growth points in the fields of high-end consumption, green and low-carbon, sharing economy, modern supply chain and human capital services, release the potential of consumer demand, and continue to play its basic role in economic growth.

　　Yesterday, the 2023 Xiaomi Game Year-end Appreciation Meeting and Award Ceremony was officially held in Nanjing. With the theme of "Sharing Ecology and Winning the Future", the conference focused on the long-term value of open and win-win ecology and technology empowerment software and hardware. At this thank-you meeting, Xiaomi emphasized the investment and determination in upgrading its science and technology strategy and high-end exploration.

　　This year, Xiaomi announced the goal of the new decade: investing in the underlying core technology on a large scale, and striving to become a new generation of hard core technology leaders in the world. Xiaomi Q3 financial report shows that in the third quarter, the global shipment of Xiaomi smartphones ranked in the top three, and it has remained in the top three for 13 consecutive quarters. The number of users of Xiaomi in the global and Chinese mainland markets continued to set a new record, with the monthly active users of MIUI reaching 623 million and 152 million respectively. Xiaomi’s high-end development has made remarkable progress. Recently, the newly released Xiaomi 14 series products sold over one million in the first sales period.

　　Openness can bring a prosperous ecology,Liu Chan, General Manager of Xiaomi Internet Business DepartmentSaid: Based on the group’s grand strategic direction, Xiaomi Internet will continue to focus on Xiaomi users around the world, provide a consistent user experience for all parties, and continue to create value for partners. Xiaomi Internet will hold a fully open and inclusive business attitude and win together with developers.

　　Xiaomi has always attached great importance to Internet ecological construction.Liang Qiushi, Deputy General Manager of Xiaomi Internet Business Department and General Manager of Xiaomi Nanjing Regional HeadquartersThe layout of Xiaomi’s application ecological business is elaborated in detail, indicating that it is necessary to serve the developers attentively, build a "sustainable and healthy development" ecological environment, and help the developers enhance their commercial value.

　　11 years of hard work to bring quality service experience to hundreds of millions of users.

　　After 11 years of development, Xiaomi Game has become a comprehensive service platform integrating distribution, community, tools and content. With the high-end process of Xiaomi, the scale and quality of game users have also achieved leap-forward growth. According to the data of Xiaomi’s Q3 financial report in 2023, Xiaomi’s game has grown year-on-year for nine consecutive quarters. The person in charge of the operation of Xiaomi game platform said: This aspect benefits from the upgrade of operational services and the continuous improvement of ecological construction and algorithm empowerment, taking into account the user experience and income; On the other hand, it is also the change of operation concept, which breaks the traditional logic of "combined transport".The platform strategy, system capabilities, traffic scenarios, user growth system and product depth are combined with the thinking of product distribution, and all rules are more transparent, which enhances the developer’s sense of participation and better focuses on products and serves players.

　　Xiaomi made full use of the advantages of the system to build a powerful application distribution matrix. In the application distribution scenario, it not only breaks through the limitation of application store-based distribution, but also realizes global traffic distribution, and can dynamically adjust the distribution inventory according to people, models and nodes. At the same time, we dig deep into the system capabilities, and take the lead in proposing a three-party distribution and efficiency improvement scheme "Direct Investment 2.0" to directly hit the pain points of the industry, and combined with the latest Xiaomi 澎湃 OS to optimize the game experience at the system level.

　　At the meeting, the person in charge of Xiaomi application developer ecology introduced in detail the upgrade of Xiaomi game distribution and experience in terms of system capabilities, and continuously improved the transformation and experience of the game through four-network acceleration, package compression, side-by-side play, and CPU intelligent scheduling. Through the image rendering engine, the game is adjusted frame by frame, and game audio is developed by ourselves, so as to provide players with more real and wonderful visual and auditory experiences.

　　In the past year, Xiaomi has continued to promote and explore new scenes of game experience. Based on the cloud technology, the game distribution plan provides user traffic services in TV, mobile phone and AIoT, focusing on the research and development of hardware and cloud computing, laying out relevant patents and technologies, and providing developers with full-link solutions. Cloud games can not only get through the full link scene, but also improve the path transformation such as reservation, detail page, starting, search and so on. Up to now, millet cloud Game Platform has more than 260 top-quality games, and has achieved the launch of the new tour synchronization cloud.

　　According to the person in charge of Xiaomi’s application ecological innovation business, the SLA of millet cloud’s game platform has reached 99.5%. In terms of delivery, cloud games can not only reduce the loss caused by downloading, but also greatly improve the delivery efficiency. It is expected that the CVR will be increased by 40% and the ROI will be increased by 20%.Cloud games may be a new path for the growth of large-scale game purchases in the future.

　　Alliance+Advertising Marketing Join Hands with Developers to Seize New Opportunities for Growth

　　Xiaomi Mobile advertising alliance (hereinafter referred to as "Mimeng") is the second largest distribution media of Xiaomi, with an average daily exposure of over 500 million, covering over 90% of MIUI users, and bringing together various types of developers such as game apps, apps, fast apps and mini-games. At this appreciation meeting, the head of Xiaomi Game Alliance business comprehensively introduced the growth logic under the alliance traffic matrix, and put forward the strategic goal of "building the liquidity of the whole scene, building a healthy traffic ecology, and helping developers achieve business growth".

　　Under the marketing background of stock competition, in 2023, the advertising flow and paying users of Xiaomi game continued to grow, and the user value hit record highs. According to the person in charge of Xiaomi’s marketing game advertising, the growth of Xiaomi’s game industry is a blessing of platform value on the one hand, and the rich scenes and accurate reach of high-value people bring considerable room for growth. On the other hand, the all-inclusive marketing and operation strategy of "combined transport+advertising" has promoted the growth of overall income.

　　A number of game awards reveal the new future of game cooperation.

　　In the past year, many brilliant mobile games have emerged in the game circle. Based on the comprehensive annual performance, this Xiaomi game has been carefully selected from many products, with six game awards, namely, the best game, the most popular game, the most anticipated game, the best casual game, the best secondary game and the best competitive game. Dozens of high-quality works and a number of partner awards have been awarded on the spot. Thanks to many excellent manufacturers and producers for their wonderful experiences.

　　Xiaomi Game helps developers improve their application experience by improving their ability service, content service and community service. In the future, Xiaomi Games will continue to adhere to the concept of "openness, service and win-win", and cooperate with ecological partners to jointly promote the prosperity and development of mobile phone software ecology.

　　(Source: News Express)

In the field of global electric vehicles, Tesla is undoubtedly a dazzling star. Each of its science and technology day activities always attracts the attention of global users and becomes the focus of the industry. It is reported that Tesla will hold the Global Science and Technology Day again on October 11th, and plans to release three brand-new models, each of which aims to solve different market pain points, which will undoubtedly set off another wave of hot discussion.

Among them, the first new car has been widely known, that is Tesla’s unmanned taxi. This model not only has the automatic driving function, but also costs people, comparable to buses, which is expected to completely change the pattern of urban travel. Tesla’s continuous investment and innovation in autonomous driving technology makes it possible for unmanned taxis to bring users a more convenient and economical travel experience.

In addition to unmanned taxis, Tesla will also release a brand-new Robovan freight car. This electric freight car has attracted much attention as early as last year, and Pepsi has signed a cooperation agreement with it. In the future, products such as Coca-Cola sold in the United States will be transported by Tesla’s electric freight cars. This move not only demonstrates Tesla’s leading position in the field of electric vehicles, but also reflects its innovative attempt in the field of logistics.

However, for ordinary consumers, the most striking thing is the third new car-a "cheap Tesla" equivalent to about 175,000 yuan. The design style of this new car is quite different from the current Tesla Model 3 and Model Y, and it adopts a smaller and cheaper design without losing the fashion sense. Its imaginary map has been exposed, which has aroused widespread concern.

According to the prediction of relevant American institutions, with this cheap Tesla put into the market between 2025 and 2026, Tesla’s sales volume is expected to increase by about 18%. However, some insiders believe that this forecast is relatively conservative, and the actual sales growth may reach about 30%. This is mainly due to Tesla’s continuous efforts in reducing costs and improving production efficiency.

In order to reduce costs, Tesla has adopted a variety of innovative means on this cheap model. In addition to smaller size and fewer spare parts, the new 4680 battery is also used. Compared with the previous 2170 battery, the density of the 4680 battery has increased by five times, which makes the new Tesla have a better performance in cruising range and also reduces the cost.

Looking back at Tesla’s history, this is the third time that it has said that it will introduce cheap models to the market. Although the previous plans such as Model Q and Model 2 failed to take shape, Tesla’s innovative spirit and continuous efforts in the field of electric vehicles never stopped. Therefore, whether this brand-new cheap Tesla will skip the ticket, we should probably keep confidence and wait and see.

In general, Tesla’s Science and Technology Day not only demonstrated its leading position and innovative spirit in the field of electric vehicles, but also brought more choices and expectations to consumers. With the release of these three new cars, Tesla will undoubtedly set off a new wave in the global electric vehicle market.

CCTV News:After the "September 11th" incident in 2001, the United States sent troops to Afghanistan in the name of "anti-terrorism", and then continued to "export unrest", which made the Middle East turbulent for a long time. On May 1, 2011, US Eastern Time and May 2, 2011, Beijing time, then US President Barack Obama announced that the United States believed that the "9.11" incident was behind the scenes — — Osama bin Laden, the leader of Al Qaeda, was killed by American troops in Abbottabad, Pakistan.

The small village where bin Laden was hiding.

Now, it has been ten years since the United States announced the killing of bin Laden, and the US military has begun to withdraw from Afghanistan. Has the so-called "anti-terrorism" goal of the United States been achieved? Ten years after bin Laden was killed, the reporter from the General Station visited Abbottabad again.

Headquarters reporter Cui Ru:I am now in Abbottabad, Pakistan. There used to be a small building with a courtyard next to me. Ten years ago, US Navy SEALs attacked here and killed Al Qaeda leader Osama bin Laden. After bin Laden was killed, the small building was demolished and the yard became a cricket ground for children.

People: peace has not yet reached the United States to export turmoil for self-interest

In the village, some insiders were interviewed by reporters.

Local resident Nayaz Bangash:People say that there was peace after bin Laden’s death, but now there is no peace at all. There is no peace in Afghanistan or Pakistan. Kidnapping and killing are everywhere.

The building where bin Laden was killed has been razed to the ground.

Tanori, a businessman who lives opposite the demolished building, thinks that the so-called killing of bin Laden is just a "propaganda war" in the United States. Tanori said that attacking other countries with "fabricated stories" has always been a means of the United States.

Local resident Tanori:The United States is slandering Pakistan. They have searched many countries. They think bin Laden is here, but bin Laden is not here. The United States is just making excuses for sending troops to Afghanistan and Iraq, just as they went to Libya to kill Libyans after fighting Iraq. Everything was for the benefit of the United States, and the game ended when it was unprofitable. Before they tried to end Afghanistan, they threw out the story of bin Laden. They announced that they had killed bin Laden just to end the war.

Headquarters reporter Cui Ru:After the "9.11" incident before 2001, the United States successively sent troops to Afghanistan and Iraq in the name of counter-terrorism to overthrow the Taliban and Saddam Hussein’s regime. The United States has also deeply intervened in the Middle East, bringing profound disasters to the whole Middle East. In the 20-year war, the United States has not been safe, but has become more and more fearful. What nourishes the monster of terrorism is precisely the hatred planted by American war policy and hegemonism.

People: peace is too far away. American troops bring chaos

In Kabul, the capital of Afghanistan, many local people also said in an interview with the general station reporter that in 2011, the United States announced that the killing of bin Laden did not improve the security situation in the region, and the United States’ actions at that time were only for its own interests.

Many Afghans say that their lives have been completely disrupted. Apart from terrorist attacks, daily theft and robbery also bring great danger to their lives. When it comes to expectations for the future, everyone invariably says two words — — "Peace".

General Station reporter Li Shuangxi:From the eyes of Afghans, what I see is the longing for peace and disappointment with the United States. For them, the significance of the "ultimate revenge" that killed bin Laden is extremely limited, and the achievements of the US garrison for nearly 20 years are only a more chaotic situation.

The cloud of terror in Afghanistan remains strong.

It has been ten years since the United States announced the killing of bin Laden. However, as Afghans said, the security situation in Afghanistan and the whole region has not returned to calm, and the shadow of terrorist attacks remains strong. After the "9.11" incident in 2001, the United States sent troops to attack Afghanistan and overthrow the Taliban regime. In 2011, the United States announced the killing of bin Laden, and Al Qaeda gradually lost its absolute influence in Afghanistan. However, the gap left by Al Qaeda has been filled by more newly emerging terrorist organizations.

This is an attack video recorded by a gunman himself, which has been widely circulated on social networks in Afghanistan recently.

General Station reporter Li Shuangxi:The video shooting we just saw took place on the streets of Kabul, the capital, and the attacker was already dead. There are many similar things, and there is evidence in our office. Look at this bullet hole on the wall, and my colleagues in the office wrote the time when it happened with a pen — — About three years after bin Laden was killed, there was an unexplained gun battle in the street next to the office. One of the bullets broke the glass and entered the wall. After this incident, all the windows facing the street in the office were nailed up by steel plates, so the light in the room is a little dim now.

A bullet hole in the office wall

According to experts in Afghanistan, there are currently about 20 terrorist organizations active in Afghanistan, which is followed by social unrest, gun proliferation and many other problems.

The latest travel notice issued by the US Embassy in Afghanistan to American citizens

General Station reporter Li Shuangxi:This is the latest travel notice issued by the US Embassy in Afghanistan to American citizens. It says that there are risk factors such as epidemic, crime, terrorism, civil strife, kidnapping and armed conflict in Afghanistan. This is indeed the case in Afghanistan now. The so-called terror has long been not only terrorism in the traditional sense, but also the daily life of local people faces many challenges.

If the US anti-terrorism policy is not changed, it will be difficult to escape the "more anti-terrorism" cycle.

It has been ten years since the United States announced the killing of bin Laden, and it has been nearly 20 years since the United States launched the so-called "war on terror" in Afghanistan. However, some analysts pointed out that if the US government can’t get rid of the long-standing anti-terrorism practice of attaching importance to military affairs and neglecting diplomacy, it will be difficult for the United States to escape from the strange circle of "more anti-terrorism".

In the past few decades, a cornerstone of American foreign policy has been "military means first." All countries that have been interfered by the United States in their internal affairs, including Afghanistan, Libya, Iraq, etc., have experienced turmoil without exception. While the United States is "destroying" militarily, it lacks the follow-up diplomatic "reconstruction" efforts, so countries such as Afghanistan and Libya have long been caught in domestic turmoil.　

The war in Afghanistan has lasted for 20 years, and the United States once stationed more than 100,000 troops in Afghanistan, but this could not defeat the Taliban. The US military’s "anti-terrorism" is "more anti-terrorism and more fear". In the view of former German Foreign Minister Fischer, apart from killing several leaders of terrorist organizations and weakening some extremist organizations, the US "anti-terrorism" war in Afghanistan is almost fruitless. "Terrorism has not been defeated militarily or ideologically, and remains a consistent threat to the West."

At the same time, the United States has been "half-hearted" in promoting Afghanistan’s economic and social development. Due to frequent wars and turmoil, Afghanistan’s industrial base is still weak, and agriculture and animal husbandry are still the main force of the national economy. The education system in Afghanistan has collapsed, with the illiteracy rate as high as 65% and that of women as high as 96%. The younger generation is unable to learn knowledge and is more susceptible to terrorism.

Analysts pointed out that the mistake of the US anti-terrorism policy lies in the fact that the US did not realize that any sustainable military achievement could not be achieved without the successful support of Afghanistan’s national construction, which can only be achieved through diplomatic means.

The long war in Afghanistan has brought profound lessons to the U.S. government. U.S. drones and missiles alone cannot solve the anti-terrorism problem, and comprehensive measures must be taken to address both the symptoms and the root causes.

In 2024, which new energy brand performed most unexpectedly? For many consumers, this answer is not asking the world, nor BYD, but Xiaomi. The first model of Xiaomi Automobile has been on the market for half a year, and the cumulative delivery has exceeded 100,000 vehicles, and it is possible to sprint 130,000 vehicles throughout the year.

However, it is obviously impossible to rely on this car alone. Xiaomi needs to continuously expand its product lineup. Recently, Xiaomi Auto officially released the official map of Xiaomi YU7, and the pictures of the real car have also appeared in the declaration catalogue of the Ministry of Industry and Information Technology. So what about this car?

What kind of car is Xiaomi YU7?

The performance of Xiaomi SU7 is obvious to all, which proves that Xiaomi does have the ability to create an explosive model. Then, as the second model of Xiaomi Automobile, what kind of car is Xiaomi YU7?

As can be seen from the official map, Xiaomi YU7 is an SUV. According to market rumors, the car’s body length is close to 5 meters and the wheelbase is 3 meters. It is a medium and large SUV. The launch of such a model proves that Xiaomi Automobile is still confident in its own strength.

It’s not surprising that Xiaomi chose SUV for the second car. After the success of the first model, it needs to find another model with a relatively large market capacity and can enhance the brand image, and SUV is preferred by both young people and home users. It is logical to launch SUV.

As soon as Xiaomi came up, he directly launched medium and large SUVs for many reasons. First of all, after the success of Xiaomi SU7 in the first battle, the brand image of Xiaomi Automobile has greatly improved, and it is time to hit the higher-end market; Secondly, choosing a medium and large SUV can also avoid entanglement with too many competitors in the compact and medium-sized SUV market, which is more suitable for Xiaomi, a small manufacturer who takes the boutique route.

In terms of appearance, the new car adopts the family style established by Xiaomi SU7, and the closed front face with personalized headlights looks more imposing. It is worth mentioning that, as can be seen from the official website, the shape of this car is still relatively conventional, and there is no slip-back body, but the muscle lines on the side of the car body are still attractive.

Coming to the rear of the car, the new car is slightly different from Xiaomi SU7, but both of them use large-size semi-enclosed light strips, and the recognition is still relatively high. However, compared with cars, the rear of Xiaomi YU7 looks more stable, which proves that Xiaomi also wants to attract more family consumers after gaining a foothold.

In terms of size, according to the application information of the Ministry of Industry and Information Technology, Xiaomi YU7 has a body length of 4999mm, a car width of 1996mm and a wheelbase of 3,000 mm. It adopts a five-seat layout, and will also provide 19-inch, 20-inch and 21-inch wheels.

In terms of power, Xiaomi YU7 is a pure electric vehicle. It is expected to be equipped with a dual-motor system. The maximum power of the front motor is 220kW, and the maximum power of the rear motor is 288kW. At the same time, it will be equipped with a battery pack of Sanyuan Li. However, so far, the specific power information and cruising range of this car have not been announced.

Some conjectures about Xiaomi YU7

So far, apart from the application information of the Ministry of Industry and Information Technology, Xiaomi YU7 doesn’t have much exact information, but this car has the blessing of Xiaomi’s strong marketing ability, so the degree of attention is very high. Let’s guess, what actions may it take?

First, the time to market. Now it is the end of 2024. With the successful experience of Xiaomi SU7, the speed of product launch will be greatly improved. Without any accident, Xiaomi YU7 may be pre-sold at a large auto show in April 2025, and then officially listed around June. Therefore, people who want to buy this car will not wait too long.

Secondly, the selling price. At present, Xiaomi Auto has not given the price range of Xiaomi YU7, but it is a pure electric medium and large SUV. In order to establish a high-end image, the pricing may be much higher than that of Xiaomi SU7 currently on sale. The starting price of Xiaomi SU7 is 215,900 yuan, so the starting price of Xiaomi YU7 may be more than 250,000 yuan.

According to Xiaomi’s long-standing habit, this car will be promoted according to the level of 300,000+in the early publicity stage, and then a relatively close price will be given to attract more consumers.

The rest is the intelligent cockpit and intelligent driving. In terms of intelligent cockpit, Xiaomi is quite competitive. The cockpit of Xiaomi YU7 will be smarter than Xiaomi SU7, and the use experience will be better. In terms of intelligent driving, Xiaomi’s technology accumulation is relatively general, and it is expected that there will be no major breakthrough, but it will also be upgraded on the existing basis, so as to reach the first-class level of the same class and meet the daily needs of users.

Who are the competitors?

According to the previously officially released pictures, the reason for the naming of Xiaomi YU7 is: Y Ultra, which is stronger. However, Model Y is a medium-sized SUV, while Xiaomi YU7 is a medium-sized SUV with a body close to 5 meters, so there is not much intersection between the two cars.

As far as the current situation is concerned, Xiaomi YU7′ s competitors are mainly domestic pure electric new energy vehicles, and the representative ones are HarmonyOS Zhixing’s and, both of them are medium and large SUVs, all of which adopt pure electric power systems, and the price range is close to Xiaomi YU7, so they belong to direct competitors.

After the listing of Xiaomi YU7, it is expected to rewrite the market structure of domestic pure electric medium and large SUVs. From an objective point of view, this market is not easy to do, there are almost no explosive models, and many models even turn to dual-power systems, no longer focusing on pure electricity. For Xiaomi YU7, this is both an opportunity and a challenge. Pure electric system is not very popular in the high-end market, but if Xiaomi YU7 can make a breakthrough, Xiaomi’s automobile business will reach a new level.

Summary:The progress of Xiaomi Automobile has exceeded many people’s expectations, and for this reason, people have more expectations for Xiaomi YU7. Relying on China’s powerful and perfect new energy supply chain, Xiaomi should not disappoint consumers, but it will also face many challenges. So, do you think this car can be successful?

Jing Jian Fa [2020] No.15

Housing urban and rural (city) construction committees, housing management bureaus and property service enterprises in all districts:

　　In order to implement the Notice of the Beijing Municipal People’s Government on Further Defining the Responsibility to Strengthen the Prevention and Control of Pneumonia Infected by novel coronavirus, the Notice of the General Office of the Beijing Municipal Committee of the Communist Party of China on Further Improving the Prevention and Control of Pneumonia Infected by novel coronavirus, and the General Office of the Beijing Municipal People’s Government on Implementing the "Four-Party Responsibility" to further strengthen key groups, Places and Units Notice on Prevention and Control of Pneumonia Infected by novel coronavirus "The Work Plan for Prevention and Control of Pneumonia Infected by novel coronavirus Community (Village) in Beijing (for Trial Implementation)", in accordance with the work requirements of the Municipal Community Prevention and Control Leading Group, relevant matters are hereby notified as follows:

　　First, all kinds of epidemic prevention and control work carried out by property service enterprises should be incorporated into the community prevention and control system, obey the unified arrangement, unified dispatching and training guidance of the community, and cooperate with the community to do a good job in epidemic prevention and control.

　　Two, strengthen the prevention and control work organization, do a good job in related property services.

　　1. Property service enterprises should formulate prevention and control plans one by one according to the situation of each property project, and report to the community for the record with the consent of the community. The plan should specify the responsible person, the telephone on duty, relevant prevention and control measures, emergency response, work requirements and other aspects.

　　2. Do a good job in regional prevention and control of property management. Under the unified leadership of the community, strengthen the management of environmental sanitation in the property management area and remove garbage in time; Do a good job in ventilation and disinfection of water supply facilities, elevator cars, corridors, public toilets, clubs, garbage stations (buildings) and other key parts and public areas, and publicize work information; Do a good job in the management and registration of foreign vehicles and personnel entering and leaving the community, and establish an information ledger; Cooperate with the community to do a good job in personnel investigation, publicity tips, emergency response and so on.

　　3. Strengthen internal management. All property service enterprises should earnestly fulfill their responsibilities and urge staff in Beijing to do personal protection during the epidemic and reduce going out; Wear a mask at work, and pay attention to personal hygiene before and after work; Do a good job in monitoring and recording the health of employees. When employees are found to have symptoms such as fever, fatigue and dry cough, they should be urged to go to the fever clinic of the nearest medical and health institution and report to the community; Reduce unnecessary meetings and people gathering in the community; Do a good job in ventilation, sanitation and disinfection of centralized management areas such as staff quarters.

　　4. Reasonable deployment of staff. During the epidemic prevention and control period, all enterprises should strengthen the post adjustment of internal employees to ensure the basic operation of property services; For employees in the enterprise who are not on the job, it shall be strictly implemented in accordance with the regulations of our city. Employees who are currently returning home to visit relatives in Hubei should inform the employees themselves and shall not leave Hubei to work in Beijing in violation of regulations; Staff returning to Beijing from other areas should report to the community in a timely manner according to the relevant regulations, take prevention and control measures according to the unified requirements of the community, and establish a ledger for staff returning to Beijing, and report the ledger to the community.

　　5. Establish an information reporting system for epidemic prevention and control. Do a good job in the collection and summary of prevention and control in the property management area, and report in time according to the requirements of community unity.

　　Third, strengthen inspection and guidance, and implement prevention and control responsibilities.

　　City and district housing administrative departments should bring the epidemic prevention and control work of the property industry into the unified leadership of the city and district community prevention and control groups, strengthen their work force, make overall arrangements for inspection and guidance, and support and cooperate with the territorial implementation of prevention and control responsibilities.

Beijing Municipal Commission of Housing and Urban-Rural Development

January 30, 2020