Important senior executives of Great Wall Motor leave their jobs, in the "time of war";

General Manager of Group Brand Public Relations — — Goldilocks, resigned and left. The Great Wall also responded:Personal reasons.

On the whole, he is the head of public relations marketing introduced by the Great Wall at the beginning of this year, and is also one of the important components of the comprehensive innovation strategy.

The moment when he was exposed to leave his job was an important pass for the Great Wall to "fight" BYD.

Who is Guo Tiefu?

When Guo Tiefu left, Great Wall Motor responded: I resigned for personal reasons.

However, he only joined Great Wall Motor in February this year as the general manager of brand public relations.

At most three months before and after, the executive with comprehensive experience in high-end, high-tech and new-force automobile marketing left the Great Wall.

Guo Tiefu has previously served luxury brands such as Audi, Bentley and Jaguar Land Rover. After that, he joined Baowo Automobile in charge of marketing.

In 2018, Guo Tiefu joined Chinese Express as the Senior Director of Gaohe Automobile Market and Public Relations Communication, and was fully responsible for public relations and communication. The brand tonality of high-tech sci-fi, advanced and luxurious is created by Guo Tiefu.

In 2022, Guo Tiefu briefly joined Lotus Motors.

Guo Tiefu’s resume is actually the core reason why the Great Wall took a fancy to him and introduced him. Long-term high-end brand marketing, and have more successful experience in building scientific and technological brands.

Wei, the high-end brand of the Great Wall, has been performing poorly in the past few years. In addition, for the new energy track, the Great Wall is also suffering from "technology without sound" and is suppressed by BYD in all aspects.

Therefore, Guo Tiefu joined the Great Wall. On the one hand, he cooperated with Liu Siying, who was dug from Geely Link, and made a breakthrough in the high-end brand Wei; And his main business is corporate brand and technology brands construction.

That is, since this year, Great Wall Motor has made a major change in external marketing, which is to emphasize the self-research and accumulation of technology as BYD, to shape its image as a leader in new energy and smart car revolution technology, and at least to form a double-walled image with BYD.

In fact, the post of general manager of brand public relations did not have a special post at Great Wall before, but only after the reform of the whole marketing system. Guo Tiefu became the first user of this new title.

In fact, this is part of the Great Wall’s strategy of learning from a painful experience and comprehensively transforming new energy sources.

Now, with the departure of Guo Tiefu, the construction of the Great Wall technology brands has become uncertain again.

Great Wall Motor and BYD’s "Public Relations War"

At present, the Great Wall is at the key node of the "war" with BYD.

Things, you have been clear:

Great wall purchased and sent for inspection by BYD, and mixed sales crown Qin PLUS DM-i and song PLUS DM-i,It is found that the low-cost atmospheric fuel tank is used, which makes the evaporative emission of the whole vehicle non-compliant.

So Great Wall Motor reported BYD to the regulatory authorities. BYD responded that the Great Wall is unfair competition, the inspection procedures are not standardized, and its own atmospheric fuel tanks also have technology to ensure emission compliance. The regulatory authorities did not declare the data evidence of the Great Wall invalid, but attached great importance to it and put it on file for investigation.

It’s not clear yet. It’s still fermenting. Netizens stood in line one after another, quarreling as a bee.

There is no doubt that the report itself was prepared and collected by the Great Wall a long time ago. Guo Tiefu, who has been talented for more than two months, is hardly the leader. His departure had little effect on the storm.

In fact, the fuel tank problem itself is an environmental protection issue, and the regulatory authorities are very concerned about it, butFor ordinary users, there is not much impact.

Judging from the results, if BYD really has a problem and is punished and recalled, it is equivalent to being slowed down objectively, which is also unfavorable in public opinion and has nothing to say.

If the supervision did not find out BYD’s problems, the Great Wall would not suffer. Return to the focus of new energy through BYD’s popularity and public opinion base.

In fact, it is better to understand this matter in this year’s Great Wall, a new energy strategy: new technology — — Hybrid electric four-wheel drive Hi-4, new brand channel — — Haval’s new energy and new products — — Hybrid dragon series, and new marketing promotion — — Advanced technology of great wall three power and hybrid technology.

The fuel tank problem was the first shot of the outpost and the counterattack against BYD.

Therefore, the impact of Guo Tiefu’s departure is medium and long term.

The sudden outbreak of BYD has been widely recognized by users. On the one hand, it is to make the hybrid car with low energy consumption and high configuration into cabbage price, which will form a dimension reduction blow to fuel vehicles.

On this basis, BYD spared no effort to preach its new energy leadership: battery acupuncture, DM-i, Yunqi, Easy Sifang and so on. With the expansion of new energy sales base, BYD has quickly established the impression of "the strongest technology" among ordinary consumers. Even if most ordinary users don’t understand technology at all, it is said that "it is not wrong to buy BYD with new energy".

At the same time, BYD also intends to portray itself as "the leader and hope of overtaking cars in corners in China". For example, Wang Chuanfu said with tears in his eyes that "it is not easy for us to make technological breakthroughs in recent years".

"We", Wang Chuanfu didn’t specify who it was. BYD, of course, and China automobile industry. In communication, BYD actively blurs the concept, and objectively, it is easy for ordinary people to have the impression that BYD is a new energy source in China, and even the only hope for China’s automobile to rise and overtake.

Not only the Great Wall, but also any independent brand with technical reserves, market scale and self-improvement ambition will not recognize BYD’s concept of shaping basic facts.

The fuel tank is an introduction. After the Great Wall, it will definitely emphasize its own technical reserves and self-research strength again and again, just like BYD did in those years, trying to compete with BYD in the wave of new energy and intelligence.

Guo Tiefu, who is the most critical to undertake this task, left his job at the juncture when the Great Wall is about to exert its strength.

The Great Wall’s counterattack and new energy strategy, now this variable comes somewhat unexpectedly and suddenly.

　　Beijing, 7 June (Reporter Ding Yazhen, Wu Yue) June 7 is the first day of the national college entrance examination. The reporter learned from the Education Examinations Institute of the Ministry of Education that the number of applicants for the national college entrance examination reached 13.42 million in 2024. There are 7,926 test sites, 359,000 ordinary test sites, 22,000 standby test sites and 1.07 million invigilators. All localities and departments have taken a series of measures to ensure a safe college entrance examination.

　　The relevant person in charge of the Education Examinations Institute of the Ministry of Education introduced that in order to ensure the safety of test papers, one post with multiple controls and personnel and technology joint defense were strictly implemented in all aspects of test paper life system, printing, transportation, storage and distribution.

　　It is understood that the Ministry of Education, together with the public security, network information and other departments, jointly launched a special campaign to crack down on cheating, and together with the Ministry of Industry and Information Technology, strengthened the governance of the electromagnetic environment around the test center, focusing on cracking down on illegal acts of cheating in exams by using radio equipment such as mobile phones. At the same time, guide all localities to formulate special governance work plans, strengthen the standardized management of off-campus training institutions involved in college entrance examinations, and severely crack down on illegal activities such as false propaganda, organizational fraud or cheating.

　　"This year, the Ministry of Education specially ordered Braille test papers for 15 blind candidates in 11 provinces (autonomous regions and municipalities), and provided reasonable convenience and help for more than 11,000 disabled candidates." The relevant person in charge of the Education Examinations Institute of the Ministry of Education introduced that all localities have carried out escort actions for college entrance examinations, further optimized examination services, provided comprehensive guarantees for candidates’ travel, accommodation and other aspects, and made efforts to create a peaceful, comfortable and warm-hearted examination environment.

　　In addition, in response to natural disasters such as earthquakes, rainstorms, floods and other public emergencies such as traffic accidents that may occur during this year’s examinations, all localities and departments have further improved emergency plans and refined their work measures.

　　　　　　 Cctv newsThe mechanized phalanx of this year’s Red Square parade consists of 216 sets of equipment, and it takes 15 minutes to pass on the Red Square. The Russian media also revealed a number of weapons and equipment that made their debut.

　　　　　　 Among them, the "Typhoon -VDV" wheeled airborne armored vehicle made its debut. For confidentiality reasons, the doors of the armored vehicle are closed and there is no external display inside.

　　　　　　 The latest "Kurgan -25" infantry fighting vehicle also caused heated discussion among military fans. According to Russian media reports, the "Kurgan -25" infantry fighting vehicle is actually equipped with combat robots. Soldiers only need to select a target with a joystick, and the rest is done by an automatic device, which will track and destroy the target. Computers can control not only machine guns, but also artillery and anti-tank missile systems.

　　　　　　 Russia’s new version of the "Armor" air defense artillery system also appeared in the military parade. "Armor — SM "air defense system is a new generation of short-range air defense weapon system developed by Russia. "Armor — SM "has shown a good strike effect on ultra-small targets, which can destroy air weapons with a distance of 20 kilometers, a height of 15 kilometers and a speed of less than 1300 meters per second. Russian media said that the "standard" series of missiles are also the targets of the "Armor -SM" air defense system.

　　　　　　 On the military parade, a close-up shot from the barrel into the tank was impressive. Russian media said that the T-90M, the most modern tank in Russian service, appeared in the Red Square military parade. Sputnik news agency & radio disclosed in March that the improved T-90M tank will be delivered to the troops this year. The latest technology is still largely confidential.

　　　　　　 The predecessor of TOS system is the familiar Katyusha rocket launcher. On the military parade, there are 13 heavy fire-breathing equipment passing through Red Square.

　　　　　　 In addition, the "Jarls" intercontinental ballistic missile, as the final equipment in the military parade, has attracted the attention of the whole world. As the most modern Russian strategic weapon system, the "Jarls" intercontinental ballistic missile can strike multiple targets at one time, with a range of 12,000 kilometers. "Jarls" can be launched in two ways: shaft and mobile, and can carry several guided warheads, and is equipped with new equipment to overcome anti-missile defense. The Russian side claimed that the "Jarls" intercontinental ballistic missile could not be breached from the launch to the target. At present, the "Jarls" strategic missile complex has become the basis of the ground cluster of Russian trinity nuclear forces. According to the Russian Red Star TV station, by the end of 2019, the Russian modern missile weapon system will account for 76%, and by 2024, the equipment will be completely updated.

　　Chongqing Haier Dishwasher Interconnected Factory production site. Xinhua News Agency reporter Wang Quanchao photo

　　From going abroad to snap up rice cookers and toilet lids to the upsurge of national consumption … … Since the 18th National Congress of the Communist Party of China, China’s consumer goods industry has gone all out to increase varieties, improve quality and create brands. The industrial scale and comprehensive strength have been significantly enhanced, the quality and level of supply have been continuously improved, and the quality satisfaction and brand recognition have been steadily improved, which has made an important contribution to continuously meeting the people’s growing needs for a better life.

　　Industrial strength has been significantly enhanced.

　　On September 27th, PICO, a smart wearable device brand owned by ByteDance, released a new VR (Virtual Reality) all-in-one machine in China, which is only equivalent to a can of cola without straps and batteries. The brand-new product experience and content ecology are expected to open the road of VR popularization in China. According to IDC, an international data organization, in the second quarter of this year, PICO ranked among the best in the global VR head-mounted display shipments, and PICO’s goal is to become a leading world-class XR (Extended Reality) platform. IDC data also shows that in the first half of this year, the retail sales of VR market in China exceeded 800 million yuan, up 81% year-on-year.

　　This is a microcosm of the remarkable enhancement of the comprehensive strength of China’s consumer goods industry. Consumer goods industry is the most direct and closely integrated industry with people’s lives. It is a traditional advantage industry and an important livelihood industry in China, covering all aspects of people’s food, clothing, housing and transportation, education, medical care and health care. Consumer goods industry is also an important part of China’s manufacturing industry, with industrial added value, industrial profit and export delivery value accounting for about a quarter of all industries, and the number of enterprises and employees accounting for nearly 40% of all industries. In the past 10 years, the industrial scale of many consumer goods industry segments has grown rapidly and ranked first in the world.

　　According to He Yaqiong, director of the Consumer Goods Industry Department of the Ministry of Industry and Information Technology, in the past 10 years, the number of enterprises above designated size in China’s consumer goods industry has increased by 23.7%, reaching 172,000, accounting for 38.5% of the national industry; The added value of industry accounts for 27.9% of the national industry, and the operating income and industry profit have increased by 35% and 64.5% respectively in the past 10 years. According to the regulations, the number of employees in enterprises is about 27 million, the level of intelligent development has been significantly improved, and the stability and overall competitiveness of the industrial chain supply chain have been continuously enhanced. There are 150 consumer goods enterprises with a scale of 10 billion yuan in China, and the export of light industry and textiles accounts for more than 30% of the world.

　　From the perspective of subdivision, China’s position as a light industry power has been continuously consolidated. In 2021, the added value of young industries accounted for 16.9% of the national industrial added value, and exports exceeded 900 billion US dollars; The number of enterprises above designated size increased from 96,000 in 2012 to 116,000, the operating income increased from 17.6 trillion yuan to 22.4 trillion yuan, and the total profit increased from 1.1 trillion yuan to 1.4 trillion yuan; 290 light industry characteristic regions and industrial clusters have been formed, distributed in 24 provinces, accounting for 40% of the total industrial output value of enterprises above the scale of light industry, and have become the pillars of regional economy.

　　China is also the world’s largest producer, exporter and consumer of textiles and clothing. In 2021, the fiber processing volume of industrial textiles was 19.35 million tons, nearly double that of 2012, accounting for one-third of the total fiber processing volume.

　　Food industry accelerates high-quality development. In 2021, the operating income of enterprises above designated size in the food industry increased from 8.1 trillion yuan in 2012 to 9.1 trillion yuan, and the annual operating income of a number of key food production enterprises exceeded 100 billion yuan. COFCO ranked among the top five grain merchants in the world, and the leading food enterprises continued to grow and develop.

　　The supply guarantee capacity of the pharmaceutical industry has been significantly improved. In 2021, the added value of the pharmaceutical industry accounted for 4.1% of the total industry; The operating income was 3.4 trillion yuan, an increase of 80.8% compared with 2012.

　　Supply quality continues to improve.

　　Once upon a time, going abroad to buy home appliances became a craze. Nowadays, domestic household appliances are leading the consumption upgrade with innovation. Fang Tai’s latest dishwasher adopts an original new generation of dishwashing technology — — High-energy bubble washing has achieved breakthroughs in five aspects: water flow speed, impact area, stubborn stains peeling, lower energy consumption and sterilization and pesticide residue removal effect; Jiuyang’s latest rice cooker is the industry’s first zero-coating rice cooker, which adopts stainless steel liner and original moisturizing membrane technology to avoid coating peeling and maintain rice taste. As soon as these products went on the market, they kept their sales leading and became innovative products that were "applauded and sold well".

　　The home appliance industry has a lot to do. In 2021, the operating income of enterprises above designated size in China’s household appliance industry was 1.7 trillion yuan, and the total profit was 121.9 billion yuan, up by 15.5% and 4.5% respectively. The export of the whole industry exceeded US$ 100 billion, a year-on-year increase of over 20%. The products sold well in more than 160 countries and regions around the world, serving more than 2 billion household users around the world. The output of major products such as refrigerators, air conditioners and washing machines accounted for more than 50% of the global total. In the past 10 years, China’s consumer goods industrial enterprises have continuously accelerated the iterative updating of products, created and led consumption upgrades with independent innovation, and met consumers’ multi-level, personalized and high-quality consumption needs.

　　Every year, the data of "618" and "double 11" show that China’s consumption upgrading trend is obvious. This year’s "618" data shows that new products and high-end quality goods are favored by consumers. Only JD.COM "618" got off to a good start for 4 hours, and the turnover of new home appliances exceeded the whole month of last year. In addition, the trend of home appliances also grew rapidly, and the four-hour turnover of game TV exceeded the whole month of last year; The turnover of embedded air conditioners increased by 300% year-on-year; The volume of ice washing suits increased by more than 6 times year-on-year; The turnover of fresh air air conditioners increased by more than 8 times year-on-year.

　　In the past 10 years, the quality and level of production and supply of consumer goods in China have been continuously improved. The market size of smart home appliances in China has increased from 200 billion yuan in 2016 to 500 billion yuan. New types of home appliances such as dishwashers and sweepers have developed rapidly, and new durable consumer goods have accelerated their entry into ordinary people’s homes. Breakthroughs have been made in key components such as high-efficiency inverter compressors and ballpoint pens, innovative products such as wearable smart devices and functional clothing are increasing, and important progress has been made in the research and development of new drugs in the fields of malignant tumors.

　　"The substantial improvement in the supply quality of the consumer goods industry is mainly reflected in three aspects: First, the number of well-known brand enterprises is increasing. Up to now, there are 150 consumer goods brand enterprises with a scale of 10 billion yuan in China, 16 brands have become internationally renowned first-line brands, and 40 sub-categories of consumer goods have well-known domestic brands. Second, China’s consumer goods industry is gradually moving towards the middle and high end, the added value of products is constantly improving, and the industry profit has increased by 64.5% in the past 10 years. Third, the level of digitalization, intelligence and innovation of products has been continuously improved. The smart home appliance market is leading the world, and innovative products such as personalized wearable smart devices and functional clothing are increasing. " Zhao Gang, president of Saizhi Industry Research Institute, said.

　　Brand recognition has steadily increased.

　　Domestic brands are accelerating to occupy young people’s shopping carts. Guochao brand-related shoes and clothing, digital products, accessories and accessories, and sports and fitness equipment have become popular choices for young people to buy online. According to the data of Dewu APP, among the consumers of Guochao brand in the whole industry, the proportion of "post-90s" and "post-00s" users is 74%, and in Dewu APP, the proportion of "post-90s" and "post-00s" users who buy Guochao products is as high as 87%. The new generation represented by "post-90 s" and "post-00 s" is injecting new momentum into the development of Guochao brand.

　　From the pursuit of foreign brands to the rise of national tide, it is a strong proof that the quality satisfaction and brand recognition of consumer goods in China have steadily improved. In the past 10 years, China’s consumer goods industry has made positive progress in intelligent manufacturing, green manufacturing and "internet plus" collaborative manufacturing, and the personalized customization model has been widely promoted. The consistency of clothing, household appliances, shoemaking and other fields with international standards reached 95%, the qualified rate of infant formula food quality sampling remained above 99% for five consecutive years, and the total sales revenue of the top 10 household appliance brand enterprises accounted for nearly 70% of the whole industry. Sports shoes, bicycles and beauty products not only sell well in China, but also become "explosions" overseas, and the recognition of the "national tide" brand by ordinary people has been significantly improved.

　　"At present, in domestic textile and garment consumption, domestic brands occupy a dominant position, the proportion of original trend brand consumption in brand consumption has increased rapidly, and the awareness, reputation and influence of domestic textile and garment brands have continued to increase." Cao Xuejun, the first inspector of the Consumer Goods Industry Department of the Ministry of Industry and Information Technology, said.

　　Zhao Gang believes that in the past 10 years, the brand recognition of consumer goods in China has been greatly improved, which is manifested in the internationalization of brands, and brands such as Midea, Gree, Haier and Anta have become internationally renowned brands of consumer goods; High-end brands, in consumer goods industries such as household appliances, textiles and clothing, food and medicine, consumer electronics, etc., the product quality of domestic brands has been continuously improved, and the brand recognition among domestic high-end users has been continuously improved; Brand fashion, Guochao brand is becoming the fashion pursuit of emerging consumer forces.

　　The important reason behind this is that the quality of consumer goods has been greatly improved in the past 10 years. "The quality of domestic consumer goods is constantly improving, and the cost performance exceeds that of foreign brands; Product consumption experience is good, domestic brands pay attention to analyzing consumer demand, improve the level of product intelligence and personalization, and continuously improve consumer experience; With a high degree of cultural recognition, the cultural self-confidence of China enterprises has gradually improved, and the products focus on enhancing cultural connotation and advocating China culture, which has been favored by consumers all over the world. " Zhao Gang said.

　　It is understood that the Ministry of Industry and Information Technology will continue to organize the "Three Products" nationwide series of activities, create 300 "Three Products" strategic demonstration cities, cultivate 200 well-known brands with a scale of 10 billion yuan, and enhance the core competitiveness of China’s high-quality enterprises by building well-known brands, cultivating cutting-edge quality products and shaping regional brands. And fully tap the traditional cultural genes such as China culture, national characteristics, Chinese time-honored brands, enhance the influence of regional brands and added value of products, expand the supply of consumer goods with rich cultural connotations, and strive to meet the growing needs of the people for a better life. (Economic Daily reporter Huang Xin)

　　On December 6th, China Academy of Social Sciences held the 2022 "Blue Book of Economy" conference and China Economic Situation Report. It was introduced at the meeting that at present, the whole country is thoroughly studying and implementing the spirit of the Sixth Plenary Session of the 19th CPC Central Committee. The purpose of this conference is to analyze the current economic situation, grasp the new development stage more completely, accurately and comprehensively, implement the new development concept, build a new development pattern, exchange ideas and study countermeasures, and serve the economic work next year. 2021 is the first year of the "14th Five-Year Plan". Facing the complicated and changeable external environment and the new situation of sporadic epidemic, the CPC Central Committee with the Supreme Leader as the core adheres to the general tone of striving for progress while maintaining stability. On the one hand, it does a good job in epidemic prevention and control, effectively promotes vaccination, and creates a good environment for economic and social development. On the other hand, it will promote the sustained recovery of the economy in a more stable and balanced direction and ensure that the economy operates in a reasonable range. In the first three quarters, China’s economy showed a good recovery trend, and new achievements were made in high-quality economic development and structural transformation and upgrading, laying a good foundation for realizing the expected goal of economic development in the 14 th Five-Year Plan.

First, the economic growth rate continues to maintain a leading position in major economies. In 2021, the actual growth rate of China’s GDP is expected to reach about 8%, exceeding the expected target, and will also be higher than most other major economies in the world.

Second, the overall employment situation is stable. The annual target of new employment in cities and towns was achieved ahead of schedule, and the survey unemployment rate remained within the expected target.

Third, the leading role of scientific and technological innovation support has been enhanced. China’s ranking in the WIPO Global Innovation Index rose to 12th place, achieving nine consecutive rises since 2013.

Fourth, the business environment continued to improve, and the vitality of market players was significantly enhanced. In 2021, new policies such as financial concession and phased tax deferral will continue to stimulate and protect the vitality of market players.

Fifth, economic and social development began a comprehensive green transformation. Vigorously promote energy conservation and carbon reduction in key industries, solidly promote the construction of a green and low-carbon circular economy system, and issue an implementation plan on doing a good job in carbon neutrality in peak carbon dioxide emissions.

Sixth, a series of measures to deepen reform and open wider to the outside world came into effect. Reform and opening-up continued to deepen, and imports and exports maintained rapid growth. China also actively supplied vaccines to countries in need, donated anti-epidemic materials, and supported the international community in fighting the epidemic.

At the same time, we should also be soberly aware that there are still some problems and challenges in China’s current economic operation, which need to be studied emphatically and dealt with properly.

　　Some cultural relics seized in the operation (data map)

　　On July 29th, Europol released a message in official website, saying that the European joint action against international cultural relics crimes — — The "Pandora 3" campaign has achieved initial results. Up to now, 59 suspects have been arrested and 18,000 pieces (sets) of cultural relics have been seized.

　　"Pandora 3" was jointly participated by law enforcement agencies and customs of 29 countries, supported by Interpol, the World Customs Organization and Europol, and coordinated by the Spanish National Guard. It was a large-scale joint action against international cultural relics crimes, and it had many experiences worth learning in the field of transnational joint action against cultural relics crimes.

　　Offline and online separately "cast the net"

　　During the "Pandora 3" operation, the relevant law enforcement agencies sent thousands of police and customs staff, focusing on online and hot markets and targeting criminal groups involved in cultural relics trafficking. Since the launch of the operation, 59 suspects have been arrested and 18,000 cultural relics (sets) have been seized, including antique furniture, ancient coins and paintings, musical instruments and sculptures. In addition, the operation also seized cultural relics theft tools including metal detectors. According to statistics, most of the cultural relics seized come from Europe, and a small part belong to Colombia, Egypt, Iraq, Morocco and other countries.

　　Europol said that the biggest challenge encountered in this operation is to crack down on online illegal cultural relics trafficking. It is understood that in recent years, cultural relics criminal groups have increasingly used online platforms such as web pages, social media and instant messaging applications to sell illegally stolen or trafficked cultural relics. In this regard, in the "Pandora 3" action, the organizers specially launched a multidisciplinary law enforcement action. Under this action framework, the Dutch police took the lead in organizing the "Cyber Patrol Week", where a team of 26 experts identified suspicious targets and conducted targeted intelligence gathering. In the end, the operation locked 169 suspicious websites and seized 682 suspicious cultural relics.

　　At the same time, offline, 29 countries participating in the "Pandora 3" operation organized many raids: searching auction houses, art galleries, museums and private houses, imposing 67 administrative sanctions and arresting 49 suspects; Through the inspection of ports, airports and border crossings, four criminal suspects were arrested, three responsible persons were administratively punished, and 201 suspicious cultural relics were seized; Through surprise inspections of hot crime sites such as archaeological sites, 6 suspects were arrested, 909 cultural relics were seized, and 49 people were responsible for administrative punishment.

　　Multi-party linkage to accumulate synergy

　　As a joint action to crack down on cultural relics crimes in Europe, "Pandora 3" handed over a remarkable and frightening report card. As the overall coordination unit of the operation, the Spanish National Guard has created a record of seizing 10,000 pieces (sets) of cultural relics in a single operation; Experienced Italian cultural relics police seized 91 ancient ceramics and 109 precious ancient coins in many private houses and mailing centers. In addition, during the operation, the Polish police seized an ancient rare Bible stolen in Germany 25 years ago and returned it to the stolen country. Romanian police seized 128 military supplies in ancient Rome, 134 ancient ceramics and 189 coins stolen from archaeological sites in ancient Greece and Rome. German customs seized a cylindrical crystal seal, which was identified as belonging to Mesopotamian civilization … …

　　In the "Pandora 3" operation, Europol, Interpol and the World Customs Organization, as international backup forces, provided many support to countries. Relevant organizations not only set up coordination departments to participate in specific actions and provide analysis report support, but also open and share data and information resources and issue warning information in time. In particular, it is through Interpol’s "Stolen Art Database" that countries have conducted hundreds of targeted searches.

　　It can be said that the "Pandora" series of actions launched in recent years have effectively cracked down on international illegal cultural relics trafficking. In 2017, European multinational police jointly launched the "Pandora" operation for the first time. The operation was coordinated by the police in Spain and Cyprus, and more than 48,500 people were inspected, 50 ships and 29,000 vehicles were searched. A number of deep-water diving schools were mainly investigated to combat the theft of underwater sites, and 75 suspects were arrested and 3,561 pieces (sets) of cultural relics were recovered, many of which were of outstanding value after textual research. In 2018, Pandora 2 arrested 51 suspects and seized 41,000 pieces (sets) of cultural relics.

　　Piracy and sale of cultural relics are rampant

　　Endanger the cultural heritage of all countries.

　　Due to various reasons, the crime of stealing and reselling cultural relics has existed for a long time in Europe and has become increasingly rampant in recent years. Europe is not the only region where such crimes occur frequently. According to the survey, until the beginning of this year, on various online social media platforms such as Facebook, there were still cultural relics publicly looted from the Middle East by members of extremist organizations for sale. According to the BBC, in July this year, Sabhash Kapoor, a well-known art dealer in new york, USA, was accused of being involved in a transnational cultural relics piracy network. According to the investigation, the total value of cultural relics stolen through this network exceeds 145 million US dollars; According to The New York Times, at the end of July, Israeli police found and arrested two thieves who stole cultural relics … … In addition, the Iraqi Ministry of Foreign Affairs recently held a special cultural relics exhibition in Baghdad. The exhibits were all stolen cultural relics from the country recently recovered from Britain and Sweden.

　　"The cultural relics market is special. Illegally stolen cultural relics are often sold together with legally circulated cultural relics, and even well-intentioned collectors cannot effectively distinguish them." A western archaeologist pointed out.

　　The cultural heritage of countries all over the world is fatally damaged by cultural relics piracy. Experts pointed out that cultural relics are an irreplaceable part when people obtain corresponding historical information through archaeology. When these cultural relics are plundered and illegally sold only because of their economic value, people should not ignore their connection with the environment of the heritage site and other cultural relics as a part of the cultural heritage. As we all know, in the process of archaeological excavation, people need to carefully record information fragments, and then understand the value and significance of cultural relics. Without background information, coins and ceramic utensils are just beautiful objects on display shelves, and eventually lose the important function of allowing people to obtain richer historical information. (China Culture News reporter Song Jia Wei)

Every reporter Yi Wangqi Qijiang

Those fresh lives lost in campus loans have still failed to prevent cash loan platforms from extending their claws into the campus! Those grieving parents, tears are vaguely in front of them, but campus loans have revived.

According to a survey conducted by national business daily, platforms such as Flash Banking, Auction Loan and Loan are still quietly engaged in this business after the country banned campus loans. In the platform tested by reporters, the proportion of campus loans still exceeds 42%. Among them, the annual interest rate of the flash banking platform for granting usury to students is as high as 199.38%, and the platform also "invented" a variety of beheading interest. By borrowing from 1000 yuan, it is actually only 790 yuan!

In the one and a half years from May 2016, the former China Banking Regulatory Commission, the Ministry of Education and other ministries and commissions have continuously issued documents for campus loans, and the regulatory attitude is not strict. However, campus loans have been repeatedly banned, and even "innovated" more ways to collect high interest.

Summary of credit granting and down payment of test platform ↓ ↓

Cartography: Zou Li

Before the investigation, every reporter received many complaints, all of which reflected that some cash lending platforms issued usury to students. National business daily selected five college students from different places to participate in the test of seven cash loan platforms, namely Flash Bank, Auction Loan, Heyi Loan, 51 Personality Loan, 2345 Doudou Money and Small Win Card Loan. There are leading enterprises in the industry, listed companies and large and medium-sized platforms, and the test scope covers almost all levels of the cash loan industry.

After testing one by one, the reporter found that campus loans are making a comeback!　

Not only is Aiyoumi, a platform of key listed companies in Hangzhou, illegally engaged in campus loans (national business daily has previously reported), but also American listed companies and Flash Banking platforms that have been invested by China Merchants are secretly engaged in campus loans! In the platform of sampling test, the proportion of campus loans still being issued exceeds 42%.　

In fact, although this round of "restarted" campus loans has not yet exposed major vicious incidents, before the regulatory ban, campus loans can be said to be "notorious":

● March 2016

Zheng Dexing, a student of Henan College of Animal Husbandry Economics, has borrowed nearly 600,000 yuan from several campus financial platforms, unable to repay it. After the lender used various means to collect debts, he was so devastated that he jumped from the eighth floor of a hotel in Qingdao and died.

● April 2017

A sophomore girl from Xiamen Huaxia College committed suicide by burning charcoal in a hotel in Quanzhou because she was deeply involved in campus loans.

● September 2017

Zhu Yudi, a 21-year-old sophomore in Shaanxi, borrowed more than 200,000 yuan and committed suicide by jumping into the river when she was unable to repay it. Before losing contact, he also sent a small video of self-mutilation to his classmates, in which he cut three deep wounds in his left hand.

… …

Usury, naked strip, suicide … … It is precisely because of all kinds of negative news and even vicious incidents that campus loans continue to explode that the attitude of the regulatory authorities is constantly tightening.

● May 2016

The Ministry of Education and the former China Banking Regulatory Commission jointly issued the Notice on Strengthening the Risk Prevention and Education Guidance of Bad Campus peer-to-peer lending, and also focused on the "Bad Campus peer-to-peer lending", explicitly requiring colleges and universities to establish a daily monitoring mechanism and a real-time early warning mechanism for bad campus peer-to-peer lending. The former CBRC clearly put forward the five-word policy of "stop, move, rectify, teach and introduce" to rectify the campus loan problem.

● April 2017

The former CBRC issued "Guiding Opinions on Risk Prevention and Control in Banking Industry", demanding that the focus should be on cleaning up and rectifying campus online loans: peer-to-peer lending information intermediaries should not include borrowers who are unable to repay their loans in the marketing scope, prohibit providing online loan services to college students under the age of 18, do not conduct false fraudulent propaganda and sales, and should not issue usury in disguised form through various means.

● May 2017

The Ministry of Education, together with the former China Banking Regulatory Commission and the Ministry of Human Resources and Social Security, jointly issued the Notice on Further Strengthening the Standardized Management of Campus Loans. While encouraging commercial banks and policy banks to provide financial services for college students, it is required that all online lending institutions (not only the peer-to-peer lending information intermediary institutions targeted in the previous documents, that is, P2P online lending) be suspended to carry out online lending business for college students. At the same time, institutions established without the approval of the banking regulatory authorities are not allowed to enter the campus to provide credit services for college students.

● September 6, 2017

The Ministry of Education also held a press conference to clarify that "the campus loan business is banned, and no online lending institution is allowed to issue loans to college students."

● December 2017

The Notice on Standardizing and Rectifying the Cash Loan Business (No.141 Document) issued by the Office of the Leading Group for the Special Remediation of Internet Financial Risks and P2P Online Loan Risks blocked some platforms from engaging in campus loans in the name of "helping loans". On the one hand, Circular No.141 clarifies that P2P peer-to-peer lending information intermediaries and online microfinance companies are not allowed to issue campus loans, and at the same time, it requires banking financial institutions to cooperate with third-party institutions to carry out loan business, and they are not allowed to outsource core business such as credit review and risk control. The "loan assistance" business should return to its original source. Banking financial institutions should not accept credit enhancement services provided by third-party institutions with unsecured qualifications and disguised credit enhancement services such as bottom-up commitments. They should request and ensure that third-party cooperative institutions should not charge interest fees to borrowers.

● Xiao Shihai, an industry observer and co-founder of Xiaojinshe:

The first is that the previous campus lending institutions have formed path dependence, and they will not do anything else, but will only lend on campus;

Secondly, some cash loan products are packaged into regular consumption installment products, thus infiltrating into the campus market;

Third, for formal financial institutions, ordinary students are not very high-quality borrowers. Even if they can give loan support, their quota is limited. Then students who have more capital needs and even form lending habits can only reach out to campus loans. Supply and demand have always existed, but the supervision failed to identify and effectively punish the "disguised campus loan", so it is difficult to restrain the combination of supply and demand.

● Director of the Bank of China Law Research Association Xiao Sa:

From the borrower’s point of view, the whole society advocates early consumption, and the post-00 s and post-90 s formed the habit of borrowing and spending. Under the all-round bombing of shopping festivals such as "June 18" and "Double Eleven", the pickpocket party embarked on the road of borrowing. From the perspective of lending platform, it is nothing more than "interest-driven", because in the current environment, campus loan is a good profit growth point.

● Xue Hongyan, Assistant Dean of Suning Financial Research Institute:

The principle of supervision on campus loans is to open the front door and block the side door, encourage the layout of banking financial institutions, and prohibit small loan companies and unlicensed institutions from getting their hands on them. However, in practice, banks are not enthusiastic, leaving many blank spaces, leaving a lot of room for non-licensed institutions.

There are many reasons for the low enthusiasm of banks:

The first is interest rate restrictions. The profit model of campus loan is that high interest rate covers high risks. However, as a regular army, banks are highly expected by all parties, and it is impossible to raise interest rates, which makes it difficult for banks to make profits and lack commercial sustainability.

The second is business restrictions. The campus loan market is too scattered. First of all, the local banks that cannot operate across regions are excluded, while the national banks are all big, and the campus loan market space is limited, which makes it difficult to attract strategic attention.

The third is the competitive factor. With the help of payment tools, Internet giants have achieved a high degree of penetration into campus groups and firmly grasped this market. For banking institutions, campus loans are not undeveloped virgin land, and even if they are fully committed, they may not be able to achieve good results.

The fourth is reputation risk. Campus loan business space is limited, but public opinion is very sensitive, which easily leads to reputation risk and further weakens the enthusiasm of banks.

For small loan companies and non-licensed institutions, although college students have no source of income, they have a strong sense of credit and belong to relatively high-quality customers. Under the pressure of operation, these institutions are unwilling to give up this market. At the same time, in practice, identifying the borrower’s student status requires the lending institution to take the initiative. If the lending institution intentionally fails to act, it can also prevaricate supervision and public opinion supervision to a certain extent, so many institutions are still engaged in campus loan business with luck.

In order to seize more customers, banks have no control over the number of cards issued. At that time, many college students had at least two credit cards and nearly 10 credit cards. These fledgling students overdraw on different cards with unrestrained ideas, and the abuse of personal credit line also caused the credit card market of college students to become a mess.

● June 2009

The former China Banking Regulatory Commission issued the Notice on Further Regulating Credit Card Business, which clearly required banking financial institutions to issue credit cards to students in accordance with the principle of prudence. To issue credit cards to students, two requirements must be met: first, they must be at least 18 years old, and second, the repayment source agreed in writing to assume the corresponding repayment responsibilities. In fact, college students’ credit cards were officially suspended.

● Beginning in 2014

With the entrepreneurial tide of Internet companies, represented by Fun Staging (Fun Shop Group), Music Staging (Lexin Group) and Love Learning Loan (Love Finance Group), hundreds of student staging institutions have flooded into the market. Staging companies have intervened in the campus credit market with 3C products (computers, communications and consumer electronic products) as a bridge, continuing the early banking practices, such as recruiting campus agents, zero fees and small gifts. Soon after, many vicious incidents broke out, such as student suicide with huge debts and naked college students.

● August 24, 2016

The former CBRC clearly put forward the five-word policy of "stop, move, rectify, teach and introduce" to rectify the campus loan problem. Under pressure, many companies involved in campus staging business seek transformation or withdrawal.

● 2018

With the development of bank’s consumer loan business, retail finance business, consumer finance companies and loan-assisting market, the campus market has once again become the battlefield of institutional competition. Lending agencies return to the campus loan market in the name of helping banks and other financial institutions to issue consumer loans.

Xiao Ming, a test student, said that Flash Silver held high the "beheading knife" and did not let go of the students.

According to Xiao Ming’s feedback, he borrowed money from 1000 yuan in Flash Bank, but actually only got 790 yuan, which he thought was beheaded by 210 yuan.

What is the composition of 210 yuan’s beheading interest mentioned by Xiao Ming?

Part of it is 160 yuan’s pledge certificate for newcomers — — After Xiao Ming’s loan was successful, his bill in Flash Bank was shown as two: one was the 160 yuan newcomer guarantee voucher that needed to be repaid within three days; In addition, it is the real bill for his loan.

Image source: Photo courtesy of test students

The other part is 50 yuan’s automatic deduction — — About 1 minute after the loan from 1000 yuan arrived, Xiaoming was automatically deducted from the bank account of Flash Bank.

The collection accounts of the two payments are Beijing Flash Silver Singular Technology Co., Ltd..

Image source: Photo courtesy of test students

Xiao Ming, a test student, borrows money from 1000 yuan and repays it in three installments. The first installment needs to repay 379.65 yuan, the second installment needs to repay 340.02 yuan, and the third installment also needs to repay 340.02 yuan, totaling 1059.69 yuan. It seems that the interest is not high. But after getting rid of 210 yuan’s beheading interest, he actually only got cash 790 yuan. According to IRR formula, Xiaoming’s borrowing interest rate in Flash Bank is actually 199.38% per annum!

Xiaoming’s bank flow shows that the loan funds come from the account of Jinyuntong Network Payment Co., Ltd.

Image source: Photo courtesy of test students

National business daily sent an interview question to Flash Bank on campus loan. Flash Bank said that since April 2019, Flash Bank has made specific provisions on its products and services: users under the age of 22 are prohibited from completing loans through the Flash Bank platform.

Since it has been banned, why can test students still successfully borrow money? Flash silver can’t give a reasonable explanation, and Flash silver asks to see the detailed information of the students. Obviously, for the protection of the students involved, the reporter can’t provide the detailed information of the students to Flash Bank, and the loan credentials of the test students are kept safe for the relevant regulatory agencies to call.

Regarding the question of allegedly charging beheading interest in disguise, Flash Silver replied as follows:

After the user completes the loan service on the flash banking platform, the fees other than the loan principal and interest and value-added services are related service fees provided by the third-party platform, which is not mandatory. Among them, the guarantee voucher is a kind of virtual voucher issued to users by the third-party guarantee platform (users choose to check it voluntarily, which is not required for borrowing), aiming to help users enjoy the financial services provided by financial institutions more conveniently and quickly. Value-added service fees are fees charged on the basis that users enjoy the corresponding additional services, which are voluntary for users and are not required to borrow money. In addition, when confirming the loan, the user must manually check and confirm the agreement with the above corresponding service agreement, otherwise the loan recommendation service will not be provided, and Flash Bank will record the user’s operation track and time.

Regarding the annualized interest rate as high as 199.38%, Flash Bank argued that:

The user’s loan application is recommended by the flash banking platform to the relevant funders, and after passing the risk control audit of the latter, they can enjoy the loan service provided by the latter, and the latter will collect interest. The specific interest rate is not more than 36% per annum according to the law, depending on the credit status of users. As a third-party technical support platform, Flash Bank charges technical service fees based on technical cooperation with relevant funders.

Is the fact really as argued by Flash Silver?

Regarding the so-called voluntary check of Flash Bank, according to the video of the loan process provided by Xiaoqiang (a test student), when Flash Bank applied for a loan, the purchase of a guarantee certificate was the default check, and there was a small prompt below: Buying a guarantee certificate would help to increase credit.

Image source: Photo courtesy of test students

Every time a reporter inquires about the industrial and commercial information, it is found that the business scope of Beijing Flash Silver Singular Technology Co., Ltd., the recipient of the guarantee certificate, does not provide guarantee for personal loans. The reporter interviewed Flash Silver again on "whether Flash Silver Company is suspected of illegal operation and whether it is forced to tie-in the guarantee certificate to users", and the reply it gave still repeated the previous content, actually avoiding this question. Moreover, this is not collected by the third party of Flash Bank’s reply, and it is Flash Bank’s own affiliated company that collects the guarantee voucher fee.

Image source: Photo courtesy of test students

According to official website Information of Flash Silver, Beijing Flash Silver Singular Technology Co., Ltd. was established in April 2014. According to public information, as of April 2017, Flash Bank has more than 80 million users, and has successively received a series investment of 6.6 million US dollars from IDG, a series investment of 20 million US dollars from SIG, and a series investment of 80 million US dollars from China Merchants, SIG and Guangyuan Capital, with a total financing amount of over 100 million US dollars.

● Li Lingpeng, lawyer of Sichuan Road Signs Law Firm: The E-commerce Law prohibits tying by default.

No matter how Flash Bank explains it, as long as students get loans from its platform, it has violated the campus loan ban. In addition, although Flash Bank claims that the annualized interest rate does not exceed 36%, the actual interest rate shows that it is engaged in usury and beheading in violation of laws and regulations.

Article 19 of the E-commerce Law of the People’s Republic of China stipulates that tying goods or services by e-commerce operators shall draw consumers’ attention in a conspicuous way, and tying goods or services shall not be taken as an option of default consent.

Accordingly, the consequences of Flash Bank’s default check of the guarantee certificate should be borne by Flash Bank platform. Due to the consequences of this default check, the platform still constitutes the fact of charging the interest of deformation beheading.

In terms of interest rate, according to the Supreme People’s Court’s regulations on several issues concerning the application of law in the trial of private lending cases, the interest rate protected by law in China is actually divided into two grades. One is the annual interest rate of 24%, and the lender in this grade can ask the borrower to repay the interest at the interest rate of 24%; There is also a file with an annual interest rate of 36%. In this file, the lender cannot ask the borrower to repay the interest at the interest rate of 36%, but if the borrower has already repaid the interest at the interest rate of 36% or even over 36%, it does not need to be returned within the range of 36%, and the part exceeding 36% needs to be returned. The real interest rate of Flash Bank loan is as high as 199.38% per annum, which is illegal.

Article 200 of the Contract Law clearly stipulates: "The interest on the loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan shall be returned according to the actual loan amount and the interest shall be calculated. " As for all kinds of breakthroughs or disguised breakthroughs in the legal interest rate red line with interest, liquidated damages, service fees, intermediary fees, margin and extension fees, the Supreme Law also clearly stipulates that it should not be supported according to law. By default, 160 yuan Newcomer Guarantee Certificate is checked by Flash Bank, which is actually a variant of beheading interest.

In addition, the Supreme People’s Court also stipulated in the Notice on Properly Handling Private Lending Disputes in accordance with the Law to Promote Economic Development and Maintain Social Stability that "if the lender deducts interest from the principal in advance, it shall return the loan according to the actual loan amount and calculate the interest." This judicial interpretation clarifies how to solve the problem of deducting interest from principal. Xiaoming borrowed money from 1000 yuan and got 790 yuan. Then, Xiaoming should only repay the loan according to 790 yuan, and the interest within the legal scope can only be calculated according to 790 yuan’s principal.

The auction and loan platform invested by Sequoia Capital still allows students to obtain loans regardless of the national campus loan ban.

According to feedback from Xiaoqiang, a test student, he got a credit line of 13,000 yuan in the auction loan, and he cashed out 1000 yuan.

Although the auction will specifically remind "not to provide loan services for students at school", in fact, Xiaoqiang, as a student, obtained a loan from the platform.

According to Xiaoqiang, when applying for a loan, a reminder will pop up: Pat Loan does not provide loan service for students at school. If you are a student at school, please stop borrowing. Then there are two buttons, one is the gray button to stop borrowing and the other is the light blue button to continue borrowing. Shortly after he clicked Continue to borrow, the bank card bound to Paipaidai received a 1000 yuan from Shanghai Paipaidai Financial Information Service Co., Ltd.

Image source: Photo courtesy of test students

According to the loan contract, Xiaoqiang, a test student, borrowed money from 10 lenders in 1000 yuan, with the most one being 416 yuan and the least one being 25 yuan.

Xiaoqiang’s loan is repaid in 12 installments, each installment is one month, and the monthly repayment is 88.38 yuan (including interest, the loan interest rate is 11% per year). At the same time, according to the contract, Xiaoqiang also needs to pay a listing fee of 6.66 yuan/month for the auction loan, totaling 79.92 yuan in 12 issues; And pay a monthly risk guarantee fee of 10.17 yuan, totaling 122.04 yuan in 12 periods. Together with these two expenses, Xiaoqiang actually needs to pay 105.21 yuan a month.

1000 yuan, the principal of the loan, repays 105.21 yuan in each installment. According to the IRR formula, Xiaoqiang’s actual interest rate on the loan is 45.39% per annum, which is higher than the legal interest rate of 24%.

Every time a reporter interviewed on the issue of issuing campus loans, he patted the loan and replied:

Since 2016, all student loan services have been cancelled. At present, the only student authentication system in China is not open to any internet financial platform, so it is impossible to accurately identify students’ identity directly through official channels (Xuexin.com, etc.). At present, the second identity confirmation is carried out through various third-party channels, including but not limited to the location information authorized by users and the common IP addresses when users log in to pat loans. At the same time, if you pat the loan, you will ask the user to refund the principal after learning that the borrower is a student, and immediately terminate the loan.

"Magic Mirror", a big data risk control system independently developed by Paipai Loan, will conduct differentiated risk pricing through the information that users can obtain on the Internet and the new news that they are authorized to obtain. In the case of strictly observing the relevant provisions of the state on borrowing interest rates, the borrowing costs incurred by different users, different borrowing amounts and different borrowing periods will also be different.

Is the fact really as described in the auction loan?

During the loan process, Xiaoqiang, a test student, truthfully filled in the address information of a specific school, and the contact person was also reserved for classmates, and still got the loan.

It is no problem to give different loan interest rates according to the lender’s credit status, but it also avoids the problem of usury: the actual loan interest rate is 45.39% per annum, which is higher than the legal interest rate of 24%.

Paipai Loan is a well-known leading enterprise in the industry. According to Paipai Loan official website, Paipai Loan (US stock code: PPDF) was established in June 2007. In October 2012, Paipai Loan was awarded Series A financing and invested by sequoia capital china. In April 2014, the second round of financing was completed by auctioning loans, and the investment institutions were Lightspeed China Venture Capital Fund, Sequoia China and noah wealth; In April, 2015, Paipai Loan completed the C round of financing, which was jointly led by Legend Holdings’ Junlian Capital and Heiner Asia, followed by VMS Legend Investment Fund I, Sequoia China and Lightspeed China Venture Capital Fund.

On November 10th, 2017, Paipai Loan was successfully listed on the new york Stock Exchange, and the latest market value on August 5th, 2019 was USD 1.14 billion.

By the end of September 2018, there were more than 83 million registered users.

● Li Lingpeng, lawyer of Sichuan Landmark Law Firm: Lenders cannot be allowed to audit themselves.

The annualized interest rate of 45.39% of the auction loan exceeds the legal upper limit. In the actual implementation process, if the borrower can’t repay the loan on time, the lawsuit can only be based on the annual interest rate of 24%.

In addition, although the loan was prompted on the application page, it actually failed to fulfill the audit obligation, which led to the loan being given to the students at school, which still violated the regulations prohibiting campus loans. Because the campus loan ban is aimed at the platform, then the platform has the obligation to review. The responsibility for failing to identify students lies with the platform, and lenders cannot be allowed to audit themselves. The reminder of "If you are a student at school, please stop borrowing" is tantamount to letting the lender audit himself.

In the process of borrowing from the loan platform, the test student Xiao Wang was still confused and was insured at a sky-high price, and the loan interest rate was as high as 71.56% per year!

Xiao Wang originally applied for a loan from 1000 yuan, but after the loan, it was found to be 1093 yuan, and 93 yuan’s principal needed to be repaid. The extra 93 yuan was an accident insurance product insured by Yi ‘an Insurance.

Not only are the products of Yi ‘an Insurance quietly tied up by the loan, but the premium is 100 times higher than that of similar products of Yi ‘an official website: 1000 yuan insured the accident insurance for 6 months, and the premium is as high as 93 yuan; However, the premium of similar products with a coverage of 100,000 yuan in official website and a one-year guarantee is only in 80 yuan.

How on earth was the borrower insured without knowing it before the insurance? This insurance process is extremely hidden, and no clear insurance tips are given throughout. When borrowing money, the borrower needs to click the "Borrower Protection Plan" at the bottom of the page to cancel the insurance. However, this borrower protection plan does not directly show that it is to buy insurance products, which is difficult for ordinary people to find, so it is tied to insurance in a muddle.

Image source: Photo courtesy of test students

The loan actually obtained by Xiao Wang, a test student, was 1000 yuan, which was repaid in six installments, each of which required repayment of 203.13 yuan, with a total repayment of 1,218.78 yuan. Using IRR formula, the annualized interest rate is as high as 71.56%, which is obviously higher than the legal interest rate.

National business daily interviewed the student about the loan, interest rate and sky-high insurance.

The reply to the question of allowing students to get loans is as follows:

The platform does not carry out campus loan business, and the platform strictly identifies users through technical means and manual audit, but it cannot be ruled out that users conceal their true student identity, and obtain credit by providing false information and falsifying application materials to avoid platform audit.

As for the annualized interest rate as high as 71.56%:

And the loan denied it, saying that the platform designed all the products and service models of the platform according to the limit of 36%/ year.

Regarding the issue of tying insurance, the loan explained that:

The platform and the insurance company are diversion cooperation. In order to improve the borrower’s ability to resist risks, the borrower’s accidental injury insurance is set up, and the user voluntarily purchases the insurance. The premium is priced according to the borrower’s qualification and the insurance company’s algorithm, and the insurance fee is directly charged by the insurance company, and there is no disguised beheading.

Then, according to the explanation of the loan, does it mean that it is a compliance platform?

In theory, it is impossible to exclude users from concealing their true student identity. Is this really the case? According to the video provided by the test students, the reporter also carried out the verification of Xuexin.com when registering, and the result showed that the student status information could not be found, probably because he did not graduate. Therefore, the excuse of the loan is simply untenable.

Image source: Photo courtesy of test students

In addition, according to the legal analysis of the above lawyers, the obligation to identify whether the applicant is a student lies in the platform. If the platform finally provides a loan to the lender who is a student, it is that the platform has not fulfilled its audit obligation.

However, the interest rate problem and the loan evaded the above-mentioned problem of the actual interest rate of 71.56% for student loans, and only denied usury, but did not point out that the calculation of the interest rate of 71.56% was wrong. The student’s entire loan process has video evidence, which can clearly calculate the annualized interest rate of the loan.

Regarding the tying of sky-high insurance, lawyers believe that the act of lending is suspected of violating the law, which violates the Electronic Commerce Law of the People’s Republic of China, the Insurance Law and other laws.

● Li Lingpeng, lawyer of Sichuan Landmark Law Firm:

First of all, tying insurance services in loan services is not prohibited by law, but the premise is that consumers must be clearly informed and agreed. However, the loan not only helps consumers to check the insurance services by default, but also directly infringes on consumers’ right to choose, which violates Article 19 of the Electronic Commerce Law of the People’s Republic of China, which stipulates that tying goods or services should not be used as the default consent option.

Secondly, according to Article 131 of the Insurance Law, insurance agents, insurance brokers and their employees shall not conceal important information related to insurance contracts in handling insurance business activities. In other words, when selling products, third-party platforms need to indicate the specific underwriting subject and sales subject, as well as the product record number and product terms link.

Third, the annualized interest rate of the loan is as high as 71.56%, which is obviously higher than the provisions of the Supreme Law on the interest rate of private lending.

In addition, judging from the public cases in recent years, courts at all levels generally do not support the "beheading interest" in private lending. On May 11th, 2017, Beijing Chaoyang District People’s Court held a press conference and issued a judicial proposal to the China Banking Regulatory Commission, suggesting that the CBRC issue detailed rules prohibiting the direct deduction of intermediary fees from the loan principal.

In view of the distorted "beheading interest", in the Notice on Standardizing and Rectifying the Cash Loan Business issued on December 1, 2017, it was clearly pointed out that the comprehensive capital cost charged by various institutions to borrowers in the form of interest rates and various fees should comply with the provisions of the Supreme People’s Court on the interest rate of private lending, and it is forbidden to issue or match loans that violate the relevant interest rate provisions of the law. The comprehensive capital cost charged by various institutions to borrowers should be converted into annualized form, and information such as loan conditions and overdue treatment should be fully and publicly disclosed in advance to remind borrowers of relevant risks.

On December 8, 2017, it was also mentioned in the Implementation Plan for Special Remediation of Network Microfinance Business Risks of Microfinance Companies issued by the Office of P2P peer-to-peer lending Leading Group for Special Remediation of Risks that the ratio of all borrowing costs and loan principal charged to borrowers in the form of interest rates and various fees should be calculated as a comprehensive real interest rate and converted into an annualized form. Check whether the comprehensive real interest rate meets the provisions of the Supreme People’s Court on private lending interest rates. Whether there are behaviors such as deducting interest, handling fee, management fee and deposit from the loan principal in advance or setting high overdue interest, late payment fee and penalty interest. Whether key information such as comprehensive real interest rate, loan amount, loan term, repayment method and overdue treatment are fully and fully disclosed to the borrower in advance and relevant risks are prompted.

According to the feedback from the test student Xiao Zhang, he got a credit line of 6,000 yuan in the 51-character APP. Behind the platform are well-known enterprises and funds such as CITIC Bank, JD.COM, Xiaomi, Yintai, the new lake treasure and Harvest Investment.

Taking a loan of 3,000 yuan and a loan of 6 months as an example, the 51-character APP shows that the total repayment amount is 3,522.6 yuan, the first phase needs to be repaid by 749.6 yuan (including the audit fee of 195 yuan), and the last five phases (one month each) need to be repaid by 554.6 yuan. According to the calculation formula of IRR, if Xiaoming succeeds in borrowing money from 51 people, the real interest rate is 60.09% per annum.

However, after Xiao Zhang submitted the loan application, the review failed. At the bottom of the notice of loan refusal, there is a 1-minute entrance to inquire about the reasons for loan refusal. You need to pay a fee to inquire about the reasons for loan refusal. Every time a reporter noticed, at the bottom of the page where the loan application was submitted successfully, it showed that you can also buy a time-saving service, and you can enjoy the service of up to 10 times compensation for overtime.

51 Character related staff told every reporter that the pre-credit line is not the same as the actual loan line, and the actual loan line will be determined according to the user’s review and evaluation of the platform’s risk control system; 51 personality risk control audit refuses the student group at school, so the platform will refuse its loan application.

51 character is a product of 51 credit card. According to official website, 51 Credit Card was listed on the main board of Hongkong in 2018. In May 2012, 51 Credit Card launched an app that can intelligently manage credit card bills with one click & mdash; — "51 credit card housekeeper". Up to now, 51 Credit Card has gradually developed a dynamic and self-reinforcing ecosystem, providing users with one-stop personal financial services covering personal credit management services, credit card technology services, online loan matching and investment services. It has a variety of apps such as "51 Credit Card Manager", "51 Personality" and "51 Personality Loan", with more than 100 million active users.

On August 5, 2019, the page of 51 people showed that the accumulated transaction was 77.59 billion yuan.

Image source: 51 character official website screenshot

The list of shareholders of credit cards (shown in official website) includes: China CITIC Bank, JD.COM, Xiaomi, Yintai, the new lake treasure, Harvest Investment and other well-known enterprises and funds.

Xiao Ming, a test student, gave feedback. He immediately took out a loan to register his mobile phone number, took photos of the front and back of his ID card, and performed face recognition. After submitting relevant personal information, he soon received an audit message: Your information did not meet the conditions for opening an account, and this application failed the audit!

Test student Xiaoming’s feedback: After registering the mobile phone number in Doudou Money, verifying the real name, filling in the relevant personal information, submitting it to the mobile phone operator for authentication, and carrying out face recognition, it is necessary to carry out credit card verification or provident fund account binding. Because Xiao Ming hasn’t graduated, he doesn’t have a credit card, and he doesn’t have a provident fund account, so he didn’t get the credit line of Doudou Money.

According to official website information, Doudou Money is a new Internet financial product launched by Weixin Jinke, with a maximum loan of 200,000 yuan. On June 21, 2018, Weixin Jinke landed on the main board of the Hong Kong Stock Exchange with the stock code of 02003.

Xiao Ming, a test student, said that Xiaoying Card Loan also needs to verify the credit card information, and it has not obtained the credit limit of the platform.

Xiaoying Card Loan official website shows that it is a product of Xiaoying Technology. Xiaoying Technology was established in March 2014 and listed on the new york Stock Exchange in September 2018 with the stock code XYF.

Tang Yue, the founder of Xiaoying Technology, is also the founder of eLong Travel Network. The shareholders of Xiaoying Technology also include: Zhu Baoguo (Chairman of Health Yuan), Chow Tai Fook Enterprise, Zhang Songqiao (20th in Hurun Real Estate Rich List in 2007), Xinhualian Group (000620), Yintai Group, Huarui Century Group, Golden Mantis Enterprise Group (parent company of Golden Mantis, a listed A-share company) and urban real estate.

Cover image source: Photo Network

Intern Zhang Ling, Yu Ling and Han Qingwei also contributed to this article.

(In order to protect the privacy of the parties, the test students in this paper are pseudonyms.)

Special feature of 1905 film network It’s the annual Spring Festival again. Before entering the big screen, Xiao Dianjun once again wishes everyone a happy New Year, seeing good luck and full welfare here.The annual practice can’t be changed. On the first day of the first day of the first year, I will bring you the first-hand evaluation of the Spring Festival file, ensure dry goods, and ensure that everyone can harvest a happy New Year in the cinema.

In 2023, only 12 hours passed on the first day of the New Year’s Day, and the single-day box office has exceeded 890 million, which really proves the super-carrying power of the "strongest Spring Festival file in history".

In recent years, the Spring Festival stalls are not the strongest, only stronger.This year, it was assembled, as well as 7 blockbusters of the animated film "Bear Haunted with Me" Bear Core ". These films cover a variety of theme types, and are also the creative gathering of three generations of directors.

I don’t know. What movies are you going to see today?Xiao Dianjun also wants to hear your feedback. If you haven’t bought a ticket yet, or don’t know what movie to watch next time, then let’s take a look at the Spring Festival file recommendation guide we brought to you, and easily get who is your best movie-watching partner. Of course, as a series with a fixed audience, there is no need to say too much.

The Wandering Earth II

Director:

Starring://etc.

Duration: 173 minutes

Suitable for the audience:Science fiction fans, people who care about the meta-universe, celestial lovers, and people who like to burn their brains.

The fangs of the editorial department of 1905 Film Network:Starting from the amazing "first year of science fiction movies" four years ago, today’s Wandering Earth 2 undoubtedly carries more expectations.

Therefore, in terms of plot, this episode is definitely a "brain burning" compared with the opening "unscrupulous" explosion of Jupiter. The length of the film is lengthened with the increase of information. The film length of three hours has increased the threshold of watching movies a little bit, but fortunately, the quantity and quality of big scenes have made a qualitative leap.

There are highlights at the beginning, middle and end.

There is no doubt that the series is still the TOP in China’s sci-fi. The texture avoids the problem that many sci-fi themes are divorced from reality, but it is very consistent with the feeling of pursuing a documentary, which also makes the feeling of substitution and connection more intense when watching movies. In addition, there are more clues to the characters in this episode, and audiences with different preferences should be able to "take what they like".

Man Jiang Hong

Director:

Starring:///etc.

Duration: 159 minutes

Suitable for the audience:Xian Yi, young and old, brain-burning reversal story lovers

1905 Film Network Editorial Department miro:You can see many shadows of Zhang Yimou’s past works in "The Red River", such as the elegant house, the suspense spy war in the movie, the distraction and revenge in the movie, and the unique use of colors.

However, "Man Jiang Hong" is also brand-new. At the age of 72, Zhang Yimou is still trying to talk to the young audience, combining the script games and escape from the secret room that young people love with his favorite historical themes, and has completed a brand-new exploration in the field of genre films.

Shen Teng, Yun-peng Yue and other comedians are not abrupt, and they have a good grasp of the scale of Zhuang and Harmony, which is not dramatic. Jackson Yee did not lose ground in the game of "playing bone" with the whole staff, which better explained the versatility and contrast of the role.

Kino, editorial department of 1905 film network:This is like an ancient costume version of Zhang Yimou, and everyone who enters the game is duplicitous and hidden.

High-density plot, uninterrupted suspense information stimulation point, in the smooth scheduling rhythm, in the process of revealing the true identity and purpose of each character step by step, and gradually flipping the previous speculation and approaching the whole truth, the narrative charm of the film is brought to the extreme, especially the setting of Qin Gui at the end, which turns out to be the biggest surprise.

Shen Teng, Jackson Yee, Zhang Yi, Yun-peng Yue, Lei Jiayin and other actors with completely different characteristics, their performances in the film have been revitalized and blended together.

The audience is like following them to play a script killing game in the secret room of the compound. It is not only afraid of "spoilers", but also afraid of "spoilers", because this puzzle ultimately pursues a higher expression dimension, chanting with an unexpected scene of "Man Jiang Hong" which is also in line with the logic of plot promotion, igniting the climax of home and country feelings and permanently freezing "Man Jiang Hong".

Before Zhang Da, who is full of blood, and after Sun Jun, who is growing and changing, the film will reach the heart of every Chinese, and will forever praise Yue Fei’s spirit of loyalty to the country.

Nobody

Director:

Starring://etc.

Duration: 128 minutes

Suitable for the audience:Spy film lovers, fans of anti-Japanese history

Kino, editorial department of 1905 film network:From the fall of Guangzhou in 1938, the turbulent Shanghai in 1941, to Hong Kong in 1946, The Unknown is a group portrait sketch of people in the hidden front before and after the history of War of Resistance against Japanese Aggression.

Every character has a nameless surname, and their actions and words are well-tuned, but the inside is unfathomable. They are Wang Puppet agents, communist party people in the undercover secret service department, traitors, traitors, political speculators and patriotic heroes? In the process of constant temptation and suspicion, everyone’s veil left unlocked is lifted one by one. This mysterious historical torrent is also a sad song under the war. Everyone is playing with it like a chess piece, and the sense of jumping from scene to scene, like their fate, is completely different from the moment before.

Tony Leung Chiu Wai plays the drama of concealment and forbearance, which he is good at. YiBo, who is in a movie for the first time, plays a variety of emotions, such as frivolous and stubborn, painful and fragile, and murderous and violent, especially when the two men fight each other from fist to flesh. This role is the eye of the play, and it is also the sleeve sword to be displayed at the end of the whole film.

Exchange of life

Director:

Starring: Lei Jiayin//etc.

Duration: 110 minutes

Suitable for the audience:Xian Yi, young and old, taking parents to the movies, dating people, all those who want to go to the cinema for relaxation.

Ma Xun, Editorial Department of 1905 Film Network:Exchange of Life is undoubtedly the most suitable movie for everyone to watch this year’s Spring Festival.It is like the bowl of eight-treasure rice on the dinner table during the Spring Festival, with all kinds of beauty. All actors are like eight-treasure desserts on glutinous rice. When the story is slowly told, the kindness and beauty between people that the director wants to express is like the bean paste under glutinous rice, which is sweet but not greasy and gives enough energy.

The most touching thing about the film is the emotional connection between yourself and the people around you. Everything still lies in the self itself. However, Su Lun didn’t deepen the story excessively, but still played the characteristics that she was good at in the film, and packed it perfectly with light comedy.

China Ping-Pong: The Jedi Fight Back(released on the third day of New Year’s Eve)

Director:/

Starring: Deng Chao//etc.

Duration: 137 minutes

Suitable for the audience:Xian Yi, young and old, sports lovers, partners get together.

1905 Film Network Editorial Department miro:Undoubtedly, it is the best combination of Deng Chao and Yu Baimei, who are familiar with genre film techniques and have a high degree of completion.The film cleverly chooses the special side of China Men’s Table Tennis, the "teacher of kings": the Jedi counterattack in the trough and the rebirth of Nirvana after the failure, which makes the film full of drama and closer to the true nature of sports films: never give up until the ball hits the ground! It has both tears, ignition and laughter, and it is quite family-friendly in the Spring Festival file.

What’s more, there is almost no slogan-style chicken soup stacking and blunt value output in the film, and there are no practical problems such as "high treatment in foreign leagues" and "stepping stones are not taken seriously", which is a brave attempt of domestic sports films.

The fangs of the editorial department of 1905 Film Network:At the premiere, Sun Li said that "Ping Pong in China" was closer to the "background color" of Deng Chao. After watching it, he did feel the same way. Compared with previous works, he really sank as the director and starring of this film.

As the "national ball" of China, table tennis bears different feelings and weights among the audience. Fortunately, Table Tennis in China found the most appropriate time to cut into and create its own story, but did not write "glory", but told where the "glory" came from.

The most touching line in the movie is "Choosing to be an athlete is the most difficult way", and the unique core and charm of China sports "Dream Team" is understandable in "China Table Tennis".

Deep sea(animation)

Director:

Duration: 112 minutes

Suitable for the audience:Animator, pressure emotional exporter, technical house

Ma Xun, Editorial Department of 1905 Film Network:If Tian Xiaopeng opened the door of "the rise of the country" with one movie, then, seven years later, it once again raised the ceiling of the country’s technology with a movie "Deep Sea".This movie is ambitious, trying to heal the deep fragility of human nature. As the creative team said, Deep Sea will be a controversial story.

It’s hard to explain this story in simple words. Just look at the two characters in the film, the female calling Alnitak and the male calling Nanhe. Both names are related to the traditional stars in China. The former is the seventh of the seven western nights, and the latter is one of the star officials of the seventh of the seven southern nights (Jingsu).

In the relationship between the stars and the stars, Betelgeuse and Jingsu are honored. In the movie, the two are not such a proud relationship between father and daughter. Perhaps their identity is the key point to open the story.

　　"The rapid development of new media is independent of people’s will."

　　"Whoever masters the user will win the world."

　　"If you are indifferent and discouraged, you will lose your right to speak."

　　On the afternoon of July 22nd, the new media forum and the seminar on the second anniversary of the founding of Weibo, the legal person of People’s Daily, was held in the lecture hall of the People’s Daily Complex. Leaders from Internet companies such as People’s Daily Online, Xinhuanet, china network television and Baidu, Qihoo 360 and Sina, as well as experts and scholars from universities such as Tsinghua University and China Renmin University, discussed the development of media convergence, and discussed new opportunities for the development of mobile Internet and new topics of media convergence.

　　Leveraging the new media platform to amplify the traditional advantages of paper media.

　　"Two years ago, we also had the worry of’ wearing a necklace if it is done well, but wearing a chain if it is not done well’." At the meeting, the person in charge of the operation team of Weibo, the legal person of People’s Daily, revealed that at the beginning of its establishment, Weibo, the legal person of People’s Daily, also encountered a netizen’s vomit: "What is the People’s Daily doing in this place of Weibo?"

　　On July 22nd, 2012, Weibo, the legal person of People’s Daily, went online urgently, closely followed the development of the situation and took the lead in disclosing the list of victims. According to scholars’ observation, "On the night of heavy rain in Beijing, the decibel of the Central Committee of the Communist Party of China organ newspaper overshadowed many market-oriented media and became a powerful public opinion guide in emergencies."

　　In the past two years, Weibo, the legal person of People’s Daily, has adhered to the position of "authoritative voice, mainstream value and fresh expression", participated in, communicated with and recorded the times in sincere communication with netizens, initially established the image of "authority, rationality, integrity and affinity", and gradually became the promoter and promoter of positive energy in the eyes of netizens.

　　With the help of Weibo platform, the traditional advantages of People’s Daily have been enhanced and amplified. The original commentary columns of "Hello, Tomorrow" and "People’s Micro-comments" are unique in the public opinion field in Weibo with their fresh writing style and unique perspective.

　　"Weibo, the legal person of People’s Daily, has become the strongest voice in Weibo’s public opinion field, and a leader in Weibo with speed, depth, breadth, strength and coverage." In the crash of Malaysia Airlines, Chen Tong, executive vice president and editor-in-chief of Sina, "counted twice" Weibo, the first issue of People’s Daily, which was forwarded more than 120,000 times. Sina internally boils down to "the ability to make good use of Weibo topic products, highlight events and drive Weibo to forward through rolling reports".

　　In the view of Professor Yu Guoming of China Renmin University, Weibo, the legal person of People’s Daily, has completed three aspects of transformation and change: "Be reasonable and more emotional; Value, but also charm; Talk about self-confidence and more about public trust. "

　　Up to now, Weibo, a legal person of People’s Daily, has more than 46.11 million fans on People’s Daily, Sina.com and Tencent.com, ranking first in all media accounts in Weibo. On the Sina platform alone, the total reading volume has exceeded 20 billion times since the blog was opened, and the average number of reviews of a single Weibo has exceeded 5,000 times.

　　Ren Xianliang, deputy director of the National Internet Information Office, believes that new media should strengthen content innovation, "be closer to the masses, be more civilian and grassroots, and pay more attention to temperature." This is exactly what Weibo, the legal person of People’s Daily, has been insisting for a long time.

　　Convergence wins users by two-wheel drive of content and technology

　　Experts attending the meeting believe that in order to win the future, media development must strengthen user awareness, and take the possession, development and gathering of users as an important starting point, which runs through the whole process and all aspects of media integration and development.

　　"Whoever masters the user will win the world." Zhou Hongyi, chairman of Qihoo 360, lamented his entrepreneurial experience. "All business models are based on a huge user base." On the Internet, you have hundreds of millions of users, and history has proved that you must have a way to find a profit model.

　　Wang Wenbin, general manager of china network television, recently realized this deeply. During the World Cup in Brazil, the CBox CCTV audio-visual client launched by CCTV. com had more than 40 million new installations, and 150 million people watched the World Cup through this "all-round live artifact". In his view, the deepening of network integration has brought about the explosive growth of CCTV audio and video downloads.

　　In the view of Tian Shubin, president of Xinhuanet, the battlefield of the current user dispute is undoubtedly in the mobile Internet. He used the word "noisy growth" to describe the great changes in cmnet in recent three years.

　　In the information age, the leading role of technology development is beyond doubt.

　　"On the one hand, content is king, but at the same time, how to spread better content depends on new forms of expression and new means of communication." Ren Xianliang said in his speech.

　　Cloud computing, big data, smart terminals, these are the words frequently mentioned by the guests. "One-time collection, multiple generation and multiple communication" is the channel integration under the background of media integration. "This requires big data, and the core of big data is to calculate everything that can be calculated." Shenyang, a professor at Tsinghua University, said.

　　Ceng Liang, vice president of Baidu, introduced the latest exploration in the field of artificial intelligence. Using computer projects to simulate the human brain, the current "Baidu brain" is probably equivalent to the intelligence level of a two-or three-year-old child. He cited the picture recognition technology as an example, and there are many information about missing people in Weibo. If you see a street child, the photo taken with your mobile phone will be automatically recognized by the program and automatically connected with the background database of government departments, so as to identify whether the street child belongs to a missing child.

　　"The advantages of content are not static, and technological innovation is not once and for all. We must keep a close eye on the forefront of technology, aim at the development trend, constantly lead the development of integration with new technologies and applications, and embark on a road of integrated development with two-wheel drive of content and technology. " This passage became the consensus of the participants.

　　Develop all-media from a newspaper to websites, WeChat and clients.

　　Relying on Sina and Tencent, People’s Daily has gained many fans on social platforms such as Weibo and WeChat. Liao Kun, president of People’s Daily, lamented that nowadays, when it comes to websites, People’s Daily has People’s Daily, Overseas Network and World Wide Web. Speaking of Weibo, there are People’s Daily legal person Weibo, People’s Daily legal person Weibo, and Global Times legal person Weibo; Speaking of WeChat, there are People’s Daily WeChat, People’s Daily Comment WeChat, and "Learning Group" and "Chivalrous Island"; Speaking of the mobile terminal, there is the People’s Daily client and the People’s Mobile Network.

　　On June 12, the brand-new People’s Daily client was officially launched. In more than a month, the number of independent downloads by users exceeded 4.1 million and the number of active users exceeded 400,000. Today’s People’s Daily has grown from a newspaper in the past to 10 kinds of carriers such as newspapers, magazines, websites, Weibo, WeChat, clients, mobile newspapers, mobile phone networks, Internet TV and electronic newspaper reading columns, which basically covers all kinds of existing forms of communication.

　　"To share everything that can be shared, to be a new media must have such a sense." Shenyang said.

　　"Integration and development should never be carried out behind closed doors, but we should have the awareness of leveraging development." Yang Zhenwu, president of People’s Daily, said that we will be more open and explore flexible and diverse ways of cooperation in terms of content, technology, channels, management and investment. We will further broaden our horizons, give full play to the advantages of People’s Daily in the industry layout and industrial structure, form a new communication model and business model, and explore a way for the integration and development of traditional media and emerging media.

　　People’s Daily (12th edition, July 23rd, 2014)

　　[New Car Illustration] The name Spyker is extremely strange to most Chinese people, and it can’t be associated with anything. To tell the truth, before that, I only had a superficial understanding of Spyker. In my impression, Spyker brand has a long history but has disappeared for more than half a century. After the resurrection of the 21st century, it launched a classic legendary model, which was hand-built and designed uniquely, which seemed out of place among a group of super-runners who took pleasure in challenging the speed limit. Some time ago, Spyker exhibition hall of Spyker settled in Shanghai, and besides C8 Aileron, a new generation GT sports car of Spyker, there is also the spyker C8 Spyder collector’s edition that we actually shot today.

　　According to Spyker China, the current starting price of this model is about 3.8 million yuan, but usually the final price of the car owner after adding some personalized options is far more than that. The most difference between this model and the ordinary version of spyker C8 Spyder is the bright silver body. Since there happens to be a car in the shop, let’s show it to you through simple real shots. Of course, let’s review Spyker’s long history before entering the real shot.

More related links-

SPYKER Shanghai Exhibition Center officially settled in Xintiandi.
//www.autohome.com.cn/news/201106/211022.html

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■ Spyker History Review

　　In 1898, two Dutch carriage manufacturers, JACOBUS and HENDRIK-JAN)· SPIJKER, built their first car with an engine in Amsterdam. In the same year, in order to present the upcoming coronation ceremony of Wilhelmina, Beatrix Wilhelmina Armgard, Spijker made the famous golden ceremony carriage, which was also used in various celebrations in the Netherlands in the 21st century.

　　In order to better adapt to foreign markets, they changed the "ij" in the middle of Spijker to "Y" and changed the company name to SPYKER. Spyker’s first car was officially launched in 1900, equipped with twin-cylinder 3hp and 5hp engines provided by Ben Ci. In 1903, Spyker 60 HP, which was extremely advanced at that time, was introduced. This is the world’s first car with six engines, constant four-wheel drive and four-wheel brake.

In 1907, the legendary SPYKER 14/18 HP passed through Moscow in the "Beijing-Paris Rally".

　　Before the First World War, the demand for luxury cars in the world began to decline. Nevertheless, Spyker successfully participated in the Beijing-Paris Rally in 1907 with its 18hp model and won the second place.

SPYKER 60 HP in 1903, the world’s first six-cylinder four-wheel drive car.

Spyker IV is the first plane designed entirely by Spyker, which uses a quick engine.

　　In 1914, SPYKER merged with Dutch Aircraft Manufacturing Co., Ltd. and began to develop and produce aircraft. During the World War II, Spyker Company produced 100 fighter planes and 200 aero engines.

　　In 1915, Spyker put forward the slogan of "persistent, strong and unimpeded", which has been used ever since. At the same time, a new company logo was introduced, which is the spoke wheel that we are familiar with later.

　　In 1922, Spyker introduced the simplified model 13/30 C1, but the sales volume was disappointing and fell into the edge. Although it continued to produce and sell at a reduced price, its business still plummeted. Until all the funds were exhausted in 1926, its final products were C2 two-ton trucks and C4 cars. The early Spyker Company produced and manufactured more than 2,000 cars.

"Spyker factory after rebirth"

　　In 2000, 75 years after the original company disappeared, Spyker regained its vitality. The new Spyker Automobile Company was founded in 1999 by Dutch businessmen Victor Muller and Maarten de Bruijn. Since 2000, we have been specialized in producing high-end sports cars, such as C8 and C8 Laviolette.

　　In 2009, Spyker planned to buy cars from General Motors, and reached an acquisition agreement on January 26th, 2010. The combination of Spyker and Saab makes Spyker Automobile Co., Ltd. an automobile enterprise that participates in the global automobile industry competition, in addition to the brand essence of aviation technology inheritance and unique and bold design shared by the two brands.

■ Motor racing

　　On September 9th, 2006, Spyker bought the Midland F1 team from Russian businessman Alex Shnaider. Spyker paid $106 million to transform it into Spyker F1 team and participated in the last three races of the 2006 season. As part of the transaction, the original car changed its painting in the last three races to participate in the competition.

　　Spyker Team Spyker Team is a competition team directly under the factory, participating in competitions such as Le Mans 24 Hours, Le Mans Series, FIA GT Championship and Cyberling 12 Hours. Spyker also provides racing cars for Spyker dealers in Switzerland and participates in various automobile competitions under the name of Spyker.

■ Spyker in the movie

Instinct 2

Ranger

　　If you have seen the action movie "Ranger" starring Jet Li, you must remember the car of the killer with extraordinary skills-the convertible version of spyker C8 Spyder. There is also Instinct II, in which Sharon Si Tong’s sexy interpretation and the luxury and speed of super sports cars are unforgettable. Spyker adds a lot of color to the two films.