China’s new football policy: "targeted therapy" refers to the chaos in professional leagues

  BEIJING, Dec. 21 (He Li) After all the rumors and tireless rumors, China’s new football policy finally landed on the Huangpu River on the 20th. Compared with the previous policy, the New Deal has set up "four hats" to limit investment, while foreign aid is not affected by wage limits; U23 policy has changed slightly, but foreign aid policy remains unchanged; Between many changes and invariance, the "good intentions" and "precise policies" in system design are worth pondering.

  "Four hats" and the value of foreign aid: You should have your cake and eat it.

  The core and focus of the New Deal fell unexpectedly on the "four hats" that restricted the club’s investment. According to the regulations, in 2019, the spending limit of the Super League will be capped at 1.2 billion yuan, the capital injection limit of the club will be 650 million yuan, and the loss limit will be set at 320 million yuan. These three investment restrictions will be reduced again in the next three years until 2021.

  Data map: The value of the national football team will encounter "diving". China News Service reporter Luo Yunfei photo

  The salary of domestic players is also limited, and the highest standard should not exceed 10 million, while the international players participating in the Asian Cup and World Cup qualifiers can be adjusted by 20% on this basis. At the same time, foreign aid is not within the wage limit.

  In other words, the New Deal still leaves room for the club to introduce and invest. However, the invisible "soft salary cap" is still working under the restriction of expenditure: how to choose foreign aid investment and how to balance the salary ratio of the team is the "second battlefield" for the management of each club to play.

  The floating salary of international players also responds to the fans’ doubts about the "work" of the international national team and the "contribution" of the club. Playing for the country no longer stays in an honor, but can directly bring real money and silver benefits. 

  This kind of "hook edge" and "blank space" shows the ambition of the Football Association to "have both fish and bear’s paw": on the one hand, it is necessary to reconstruct market standards, standardize players’ worth and reasonable investment; On the other hand, there is room for capital competition. Want to maximize the attention of the league brought by big-name foreign aid, while reconstructing the market format of the Super League.

  Fine-tuning registration system and foreign aid policy: down-to-earth and looking up at the stars

  Another interesting adjustment of the New Deal is the fine-tuning of the access system of the Super League, which increases the requirements for U21 players and women’s football teams.

  The New Deal stipulates that, under the condition of keeping the original policy of U23 players’ appearance unchanged, the teams applying for admission to the Super League and the Chinese League should have U21 players trained by the club in the registration list, and these two players must have been from the youth training of the club and participated in the competition for more than 3 years. 

  Although it is a "fine-tuning", it is enough to suppress the impetuous heart of some clubs. Under such standards, the possibility of attracting young players by "burning money to dig people" is almost blocked.

  After the announcement of the U21 access policy, I am afraid that many Chinese Super League teams will fall into the "U21 player shortage" again, and the plan of renting young players is no longer realistic, which will undoubtedly "force" Chinese Super League teams to engage in youth training in a down-to-earth manner. Although the requirements for women’s football teams are not rigid standards for the time being, they will more or less narrow the huge contrast between women’s football performance and treatment.

  At the same time, the foreign aid policy is consistent with last season.

  There is no denying that the popularity of the league in the past few seasons has something to do with joining the big names. But they also squeeze the living space of local players. Under the multiple constraints of the New Deal, although there is still the possibility of big-name foreign aid joining, it is certain that the situation of "bright stars" in the past is difficult. 

  The retention of foreign aid policy also means that the days of Asian foreign aid in the Super League are not easy. In fact, in the context of expenditure restrictions, there is no advantage in the cost performance outside Asia. This means that domestic players will have more space. Referring to the outbreak of domestic players in CBA league in recent years, the New Deal pursues that there will be more domestic players shining on the football field.

  The intention of the policy is to see not only foreign stars when fans "look up at the stars" in the Super League under the dual effects of U21 and foreign aid policies.

  Timely control and intervention in the market: it will take 10 thousand years to seize the day

  There is no doubt that this policy is directed at the virtual fire of the "Jinyuan Football" in the Super League in the past few years. According to the data provided by the Football Association, seven years ago, Evergrande invested 500 million yuan a year, which was enough to dominate the Super League. Seven years later, Evergrande invested about 2 billion yuan a year, which was just the level of championship. As the terminator of Evergrande Dynasty, since Shanghai Port Group entered the team, the total investment has exceeded 6 billion, with an average annual investment of nearly 2 billion. Among the AFC Champions League teams, this year’s investment has also exceeded 1 billion. 

  Of course, capital investment is indispensable for professional leagues, but the premise is that the market environment is standardized and reasonable. For example, Li Yuyi, executive vice chairman of China Football Association, said at the meeting: "Playing a league is not like burning money. One club invests 2 billion yuan and the other 300 million yuan. How to play this game?"

  In a disorderly market, if the capital is allowed to flood, it will inevitably form a monopoly. When the whole league becomes a game for a few capitalists, and when the input-output ratio is not within a reasonable range, the second and third ladders who can’t see the return have to choose to control their investment until they quit the game. Such a vicious circle is certainly not what China football hopes.

  In fact, many clubs, including Super League First Group, have long complained about the huge "salary expenses", but in order to avoid falling behind in the competition, they can only bite their teeth and carry them to death.

  Data Map: Overflow of capital in a disorderly market will lead to a vicious circle of the league. China News Service reporter Chen Yushe

  Against the criticism of "interfering in the market", the Football Association has taken measures to regulate the football environment, only because the current environment can only be rectified from top to bottom. Ten thousand years is too long, seize the day. Expanding the value of the New Deal to eradicate China football is a big step; It seems more reasonable to release it to the chaos in the current domestic football market.

  Let’s just show some patience and treat the Football Association’s New Deal with a positive attitude. In the final analysis, the problem of football in China is not formed in a short time, and it is impossible to make a quick decision. Therefore, any strategy that tries to "reverse Gan Kun" quickly will be labeled as "run amok". Just as a lie proves a lie, it can only be a lie. However, it is much more reasonable to look at the Football Association’s strategy with staged demands. Just like the answer to the last big question in the exam, it is all pushed out step by step.

[Video] Mainland-made cars debut at Taipei Auto Show.

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The woman pays the deposit to pick up the car, and the price is increased. 4S shop: The sales agreement is invalid without signing.

  On December 30, 2019, Ms. Cao of Wuhan reported to the complaint platform of the quality report that she bought a Cadillac XT5 sedan during the Wuhan Auto Show in November, signed a car booking agreement on the spot and paid a deposit of 10,000 yuan; However, when he was told to pick up the car at the end of December, he was told by the 4S shop that he needed to temporarily increase the price by 6,500 yuan, otherwise he would not leave the car.

  On January 2, 2020, the customer service staff of Wuhan Hengxin Xingkai Automobile Sales & Service Co., Ltd., which belongs to the 4S shop involved, told The Paper that the car booking price was supported by the manufacturer during the auto show, but because the customer picked up the car after the time supported by the auto show price, he could only raise the price or refund the deposit of 10,000 yuan. In addition, the vehicle booking agreement signed at the time of car booking is invalid because it is not signed by the sales consultant.

  Xing Xin, a partner of Hunan Jinzhou Law Firm, believes that the 4S shop asked for a fare increase when communicating with Ms. Cao to pick up the car, which shows that the validity of the agreement has not been denied. Ms. Cao has the right to protect her rights and interests by bringing a lawsuit to the court.

  Ms. Cao introduced that in November 2019, at the booth of Cadillac at Wuhan International Expo Center Auto Show, she ordered a black Cadillac XT5 sedan on the spot. After many times of communication with the sales, the price was 275,700 yuan. On the same day, she signed a car booking agreement and paid a car purchase deposit of 10,000 yuan. It was agreed with the sales that the date of picking up the car was "before New Year’s Day".

  After booking the car, Ms. Cao repeatedly asked about the time of picking up the car, and was told by the 4S shop that the booked car had not arrived at the store. On December 27th, the sales staff of 4S shop contacted Ms. Cao, saying that the car could be picked up, but it needed to increase the price by 6,500 yuan, otherwise the car booking agreement signed during the auto show would be invalid.

  Ms. Cao said that at the auto show, the salesperson told her that there was a special preferential price during the auto show, and she could not get this discount after the auto show. She only paid the deposit and signed a car booking agreement during the auto show.

  Vehicle booking agreement signed by Ms. Cao and 4S shop Photo courtesy of the interviewee

  As can be seen from the car booking agreement provided by Ms. Cao, the agreement clearly indicates that the car price of the reserved car is 275,700 yuan, the delivery time is "the car arrives at the store" and Party B pays the full amount of the car, but it does not mention the specific time of picking up the car and the effective period of the car price.

  It is stated in the agreement that the agreement can take effect only after Party A (4S shop) seals it and Party B signs it, but there is no company seal or sales consultant signature on the agreement.

  On January 2, The Paper called Wuhan Hengxin Xingkai Automobile Sales & Service Co., Ltd., which belongs to the 4S shop involved. The customer service staff of the company said that in November, the customer signed an order for car booking at the auto show, and the price at that time was indeed supported by the manufacturer’s price. However, because the customer picked up the car after the auto show price support time, he could only pick up the car at a higher price.

  "If the customer picks up the car in November, we can still follow the agreed price, but now the price has gone up, from 275,700 to 282,700, and there is nothing we can do." The customer service said that the vehicle booking agreement needs to be signed by both the customer and the sales consultant, but Ms. Cao’s vehicle booking agreement is only signed by the customer and not signed by the sales consultant, which is an invalid agreement.

  In this regard, Ms. Cao said that the current status of the electronic agreement is indeed that the sales are pending. "But when booking a car, the agreement is operated by 4S shop sales on the APP, and the content is also written by them. At that time, I didn’t think so much. I signed it first, but I didn’t know it was so dishonest."

  On the afternoon of January 2, after many consultations, the customer service staff of Wuhan Hengxin Xingkai Automobile Sales & Service Co., Ltd. told The Paper that two solutions have been proposed at present: the first one is that the customer raises the price by 6,500 yuan to pick up the car; Second, if the customer is unwilling to add money, he can refund the deposit of 10 thousand yuan.

  In view of the above, Xing Xin, a partner of Hunan Jinzhou Law Firm, believes that the car booking agreement belongs to an electronic contract, and the salesperson, as an employee of the 4S shop, has acted as a duty behavior since the salesperson sent it to Ms. Cao, which can already be regarded as an invitation issued by the 4S shop. After Ms. Cao signed the agreement, it was regarded as a promise, and at the same time, Ms. Cao paid the deposit, and the agreement was established and came into effect. "The 4S shop asked for a fare increase when communicating with Ms. Cao to pick up the car, indicating that it did not deny the validity of the agreement, and it was also regarded as a de facto recognition of the validity of the agreement."

  Therefore, Xing Xin believes that the agreement does not take Ms. Cao’s car pick-up in November as a restrictive condition for the preferential car payment, and increases the price when picking up the car. Ms. Cao has the right to ask the 4S shop to continue to perform the agreement by bringing a lawsuit to the court.

Keji

Insurance technology products are listed together.

2017 can be said to be a year of insurance technology in generate. Unlike the previous tinkering with face recognition insurance, many insurance companies began to list insurance technology as their development strategy. Insurance companies and internet giants have demonstrated their scientific and technological strength, or applied blockchain technology, or launched AI (artificial intelligence) products, and opened relevant platforms to the industry. "Technology+Insurance" is transitioning from concept to application, and the impact of technology on the insurance industry has really begun.

For example, China Pacific Insurance put forward the strategy of "Digital Pacific Insurance" this year, and recently it made a high-profile appearance with the smart insurance product "Alpha Insurance". China Ping An also recently released "smart insurance cloud" products, including "smart authentication" and "smart flash compensation". The same market participants are Ant Financial. In the first half of this year, Ant Financial successively launched products such as "auto insurance" and "fixed loss treasure". Some internet insurance companies, such as Zhongan Insurance, and insurance sales companies have also launched insurance technology products such as big health and smart investment.

Consumers always think that insurance products are far away from themselves, and the emergence of insurance technology will make products suitable for more scenarios. At present, the insurance market is facing great user demand, but some insurance companies and platforms have valuable user resources, but they have failed to meet the needs of users successfully, and lack the mechanism and system of activation, retention and transformation. How to connect users’ needs and insurance ability, the role of insurance technology is essential.

Sikao

Enter the tuyere or fall into the bubble?

According to the industry forecast, the insurance technology market has great potential and will reach 2.4 trillion by 2021. For this reason, traditional insurance companies and internet companies are actively moving closer to insurance technology, trying to share the pie.

Zhongan Insurance, the first Internet insurance company in China jointly established by Alibaba, Tencent and Ping An Insurance, has been called the "first share" of insurance technology by the industry. At present, the insurance industry pays more and more attention to technology research and development, and the landing and application of insurance technology are also increasing. Does insurance technology enter the market or fall into the bubble? Many people in the industry said that the current development of insurance technology is somewhat blind, many of which are the products of a momentary fever, and many technical things are aimed at auto insurance, but insurance companies are not aware of it. In addition, insurance technology products such as smart investment and care are of little significance unless they can really evaluate and guide family wealth and family health.

The focus of insurance technology is how to better meet the needs of users. In China, many people don’t know enough about insurance, and they don’t agree with its cost performance and other aspects. The emergence of insurance technology enables the industry to "educate" the insurance market by means of science and technology, to do things that benefit and educate users through science and technology, and gradually let consumers accept insurance.

It should be reminded that with the continuous penetration of new technologies into the insurance industry, almost all insurance production links, including product design, pricing, sales and claims settlement, are being reshaped. The existing regulatory framework is based on the traditional operation mode, which is not suitable for insurance technology to some extent, and it is still blank in some fields, and it is urgent to speed up the research on regulatory policies and improve rules.