标签： 苏州夜生活论坛

The city’s first executive limousine was released, and Beijing’s auto industry has achieved new results

　　On August 6, the Xiangjie S9, the first executive luxury flagship sedan in the city’s automotive industry jointly launched by Huawei and BAIC, was officially released. It is reported that BAIC’s new energy Xiangjie super factory has been officially put into use in Beijing, and the future Xiangjie S9 will be produced here and driven to all parts of the country.

　　"Enjoy the world S9 is bigger than the Big Ben, and the housing rate is high." Yu Chengdong, executive director of Huawei, chairperson of end point BG, and chairperson of smart car solutions BU, used the "housing rate" of buying a house as an analogy when introducing the space efficiency of the car. According to reports, the car is ahead of international famous brand luxury models in factors such as space efficiency, braking distance, wind resistance coefficient, and battery life. For example, this car is equipped with the exclusive Tuling platform for D-class cars, equipped with five-speed adaptive adjustment air suspension, 100-zero braking distance is only 32.77 meters, the first motion sickness soothing mode in the industry, and equipped with the first mass-produced car rear zero-gravity seats.

　　According to market statistics, the independent penetration rate of China’s executive luxury car market in 2023 is only 8.3%, which means that for every 100 executive luxury cars, only 8 are domestic independent brands, which is not only a challenge for independent brands, but also means huge market potential.

　　Zhang Jianyong, secretary of the Party Committee and chairperson of BAIC Group, frankly said that the impact of domestic independent brands on the high-end luxury car market must break through two major difficulties. On the one hand, it is necessary to break through the user perception that the high-end luxury car market was mainly monopolized by multinational manufacturers in the past. On the other hand, through the application of many new technologies, the stability, comfort, safety and other aspects of vehicle performance can exceed that of imported luxury cars.

　　As the backbone of China’s auto industry and an important representative of Beijing’s auto industry, BAIC has a history of 66 years. Zhang Jianyong said that as the largest shareholder of Mercedes-Benz, BAIC has maintained a long-term and deep cooperation with the world’s No. 1 luxury car brand. Its car-making experience of more than 5 million high-end luxury cars in the past 20 years will help Xiangjie S9 become a masterpiece to impact the executive luxury car market.

　　In the development of the Xiangjie S9, BAIC’s high-end intelligent manufacturing capabilities have been deeply integrated with Huawei’s digital technology. For example, after being equipped with the Huawei ADS (Advanced Intelligent Driving System) 3.0 system, the driver of the Xiangjie S9 can achieve "parking space to parking space" intelligent driving between the departure and destination, while many smart cars on the market still need to have clear lane lines to start intelligent driving. BAIC Group has developed the most advanced fully digital high-end electric platform – BAIC’s "North Star" platform, and tailor-made the Xiangjie Super Factory for Xiangjie. The overall comprehensive automation rate has reached the industry’s advanced level, and some key processes have been 100% automated.

　　In Miyun, Beijing, on the production line of the BAIC New Energy Xiangjie Super Factory, a super robot named "Titan No. 1", a big orange guy with a height of several people, is grabbing a large luxury car frame and quickly and accurately transporting it to the designated location from 6.4 meters away. There are 25 automatic production lines in the super factory, and the positioning, riveting, welding, painting and other processes are completed by robots as the main force. There are 527 robots in the welding workshop alone. In the confined space of the painting workshop, the control of paint coating thickness, paint orange peel and vividness, paint gloss, paint color difference and other links are all robots, and the spraying automation rate has reached 100%.

　　At the same time, it also has the world’s leading ADS intelligent driving calibration system. Popularly understood, "calibration" can be compared to a precise "tuning" or "calibration" process, which can ensure that all systems and components of the vehicle can cooperate accurately to achieve the best operating condition. After the LIDAR, millimeter-wave radar, gyroscope and camera equipped with the whole vehicle are fully automatic calibration, it can ensure that the vehicle comes with qualified "clairvoyant and tailwind" when it leaves the factory. In addition, BAIC has also introduced the industry-leading "OurHours quality monitoring and sensing system", which means that each car has its own file, so that the whole process can be monitored and traced.

　　It is reported that the planned production capacity of the first phase of Xiangjie Super Factory is 120,000 vehicles, which can be expanded to 300,000 vehicles in the future to achieve one car off the production line in one minute to ensure efficient and high-quality delivery. (Sun Qiru)

Jinjialing Financial District： ＂Digital Finance＂ sets sail first

Since the beginning of this year, Jinjialing Financial District has been particularly active in the field of digital financial application innovation.

In July, Bank of Qingdao launched the first electronic factoring business in the country, providing factoring financing for small and micro enterprises through the digital supply chain finance platform. Based on this model, Bank of Qingdao will vigorously serve vegetables, eggs, aquatic products and other suppliers to farmers, agricultural product processing, agricultural technology and other enterprises to help rural revitalization.

In May, three financial district institutions, including Bank of Qingdao, Qingdao Flash Payment Information Technology Co., Ltd., and Shujin Public Service (Qingdao) Co., Ltd., were selected for the second batch of "scenario application laboratories". "Digital finance" became the common "label" of the three declaration projects. In the "petri dish" of new technologies, new formats, and new models, Jinjialing Financial District has become a unique landscape with "digital finance".

In April, Shandong Guosheng Microloan Co., Ltd. issued small digital RMB loans to a hotel and an individual respectively. The two loans not only relieved the financing party’s urgency of capital turnover, but also became the earliest digital RMB microloan scenario in the country, expanding the scope of use of digital RMB.

This set of "monthly spectrum" is a marker point for the development of digital finance in Jinjialing Financial District, marking the drip-by-drip achievements and development paths of digital finance in Qingdao. Digital finance is the foundation for the construction and development of digital economy and digital city, and has become the focus of various cities. On the surging tide, there is Qingdao’s brave figure. As the place where Qingdao Financial Institution Group and financial technology gather, Jinjialing Financial District is taking the lead in tasting the sweetness of digital finance.

On August 28, Jinjialing Financial District will usher in the Digital Finance Construction Summit Forum with the theme of "Digital Gathering in Qingdao, Rongzhi Sailing". At that time, industry experts and scholars will gather at Qingdao Haitian Financial Center Hotel to discuss the digital transformation of the financial industry, make suggestions for the high-quality development of Jinjialing Financial District’s "Digital Finance Pioneer Zone", and accumulate more experience for digital finance to better serve the digital economy.

Consolidating the foundation: the agglomeration of financial technology companies

Digital finance is the use of digital technologies such as big data, 5G, and blockchain to reduce transaction costs, alleviate information asymmetry, and strengthen risk management. The development of digital finance cannot be separated from the agglomeration of financial technology enterprises.

At present, the financial district has gathered a number of financial technology enterprises and research institutions such as Qingdao Flash Payment Information Technology Co., Ltd., Wan Chain Index (Qingdao) Information Technology Co., Ltd., Jiantou Data Technology (Shandong) Co., Ltd., CCID Research Institute, etc. There are 49 financial technology enterprises, and the digital transformation and innovation of "Bank +" Financial Institution Group are endless, and they jointly support the construction base of digital finance.

In 2019, Qingdao was approved to become one of the national fintech application pilot cities, exploring the use of new-generation information technologies such as cloud computing, artificial intelligence, and big data to improve the quality and efficiency of financial services. As early as 2017, Flash Payment, which focuses on supply chain financial services, was established, and the angel round received 20 million yuan in financing. Up to now, Flash Payment has provided digital technology services to more than 6,600 enterprises, and the cumulative supply chain financial transaction volume has exceeded 57 billion yuan. It has provided innovative solutions and technology and operation services for many core supply chain financial enterprises, commercial factoring, financial leasing, financial companies, banks and other customers. There are many industry leaders in deep cooperation, such as Qingdao Metro, Luhua Capital, Shanghai Shentong Metro, Suzhou City Investment, etc.

On the main track of supply chain finance, the development of digital finance, the financial technology enterprises in Jinjialing Financial District "have their own unique skills". The Wanchain Index, which is good at using big data for corporate credit portrayal, has achieved a good result of helping small and micro enterprises to raise 2.30 million yuan in 35 minutes. Through excellent big data computing and analysis capabilities, the Wanchain Index has raised more than one billion yuan for many small and medium-sized enterprises a year; Shandong Jiantou Technology, which uses "3D reality modeling" to explore new financial scenarios, reduces financing costs and risks through the "visible" and "identifiable" auxiliary financing of collateral. Jiang Mingying, chairperson of the company, once said that Shandong Jiantou Technology has overcome the accuracy and cost problems of "3D reality modeling", achieved efficient, fast and intelligent acquisition, and seized the opportunity in technology.

Digital RMB is one of the "new infrastructures" for the high-quality development of the digital economy and financial industry. The Financial Institution Group in Jinjialing Financial District frequently "tasted" new application scenarios of digital RMB. In May 2022, Qingdao Julang Financial Leasing Co., Ltd. launched the first "digital RMB + digital financial leasing" business in China, and issued financial leases to enterprises in the form of digital RMB to Qingdao Aierjiajia New Materials joint stock company, a national-level specialized and special "little giant" enterprise. The intelligent characteristics of digital RMB have improved financial efficiency. At the same time, the leasing assets are managed digitally in the after-sales and leaseback process, and the risk prevention and Client Server capabilities are improved.

Effectiveness: Deeply empowering the real economy

Financial activity means economic activity, and financial stability means economic stability.

Digital finance is still financial in nature, and its value is reflected in empowering subjects that cannot be reached by traditional finance through technological means, turning the impossible into possible, and promoting the high-quality development of the real economy.

Digitalization has given "inclusive" wings to banks and other Financial Institutions Groups, with the help of artificial intelligence, big data computing and other technologies, to reduce customer acquisition costs, improve the coverage of financial services, and help financial services achieve "sinking" services.

With the blessing of science and technology, data has opened the "wall-breaking action" and become a tool for leveraging financing. China Merchants Bank Qingdao Branch cooperates with the Municipal Big Data Bureau to use decision tree, neural networks and other technologies to build a credit model and demand model for small and micro enterprises, and build a Data Warehouse Interim for financial services for small and micro enterprises, effectively reducing customer acquisition costs. According to information released by the Qingdao Central Sub-branch of the People’s Bank of China recently, this year, China Merchants Bank Qingdao Branch has accumulated 309 new customers through this model, reducing customer acquisition costs by 30%, increasing customer acquisition efficiency by 35%, and issuing loans cumulatively 309 million yuan.

Big data computing power not only improves the quality and efficiency of financial services, but also helps Financial Institution Group to better prevent financial risks. Bank of Qingdao integrates 500,000 pieces of data from multiple data sources to build a risk control rule base and automated decision-making tool for small and micro enterprises’ financial service scenarios, realizes automatic early warning and rapid disposal of various risks, and promotes the transformation of the risk control system from manual decision-making to data decision-making. After the system is launched, 3,140 risk control decisions in loans are automatically made, and more than 5,960 post-loan warning signals are detected, involving about 240,000 customers.

The use of digital technology has helped Financial Institution Group better empower emerging industries. As of the end of April, there were more than 5,000 high-tech enterprises in Qingdao. As talent-intensive enterprises, high-tech enterprises are restricted in financing means. On March 30, Industrial Bank Qingdao branch granted 20 million yuan of credit to Qingdao Kejie Robot Co., Ltd. under the "talent loan" to help enterprises increase R & D and innovation. In the approval of this business, Industrial Bank Qingdao Branch applied an independent innovation "technology flow" evaluation system, from 17 dimensions such as talent labels, intellectual property rights, R & D investment, and science and technology innovation competitions, to accurately quantify the scientific research achievements of scientific and technological talents and the scientific and technological innovation strength of enterprises. This greatly simplifies the information and processes required for traditional credit issuance, and provides enterprises with priority credit without guarantee, so as to strengthen their technological and financial strength with financial technology.

Build an ecology: turn on the financial "traffic light"

Technology helps financial services multiply, but there should be clear boundaries for the integration of finance and technology. While encouraging innovation and ensuring the quality of financial services, financial risks should also be prevented and financial order should be maintained. The "traffic light" system necessary for the development and growth of digital finance is also gradually clear in Jinjialing Financial District.

The most important thing in supervision is the construction of financial rule of law. Since the beginning of this year, the main person in charge of Qingdao Intermediate Court has visited Jinjialing Financial District many times. In April, the Qingdao Intermediate Court and the Financial Management Commission signed a Memorandum of Cooperation, and the two parties agreed to establish a regular contact mechanism to carry out in-depth cooperation in resolving financial disputes and preventing financial risks, and accelerate the construction of Qingdao’s financial rule of law. In June, the Qingdao Intermediate Court’s financial trial workstation was located in the Jinjialing Financial District. The relevant person in charge of the Municipal Intermediate People’s Court said that through the workstation, a high-quality judicial service demonstration base will be built, and efforts will be made to achieve local absorption of judicial needs, local resolution of disputes in the financial district, local provision of judicial services, and local development of circuit trials. By giving full play to the radiating effect of judicial assistance to financial support for the real economy, it will provide judicial protection for the high-quality development of the financial district and the legal business environment

The professional financial and legal service industry has grown in Jinjialing Financial District. Recently, Guantao Zhongmao Law Firm Qingdao branch settled in Jinjialing Financial District. The firm’s business involves financial innovation and capital markets, international trade and WTO, intellectual property protection, corporate restructuring and bankruptcy, traditional commercial litigation and many other financial fields. Its Beijing headquarters has been honored by the Ministry of Justice of the People’s Republic of China. As of the first half of the year, the number of law firms in Jinjialing Financial District has reached 61, building an "iron wall" for financial legal services and financial order maintenance.

Synchronized with the supervision and layout of the red light system, the Jinjialing Financial District Management Committee has given the green light to the policy, striving for the opportunity of the first trial for the Financial Institution Group in the district, and at the same time creating a good ecology, and constantly promoting the progress of the construction of the "Digital Finance Pioneer Zone". In April this year, Jinjialing Financial District issued the "2022 Action Plan for the Construction of the Digital Finance Pioneer Zone", proposing to take the application scenario construction as a breakthrough point, aiming at the "seven major tasks", and strive to gather industries, improve the ecology, innovate the pilot, and optimize the environment, so as to make Jinjialing Financial District a digital finance pioneer zone with wealth management characteristics. In June, the Qingdao Central Sub-branch of the People’s Bank of China and the Qingdao Local Financial Supervision Administration jointly issued the "Guiding Opinions on Supporting the Establishment of a Financial Technology Pilot Demonstration Zone", explicitly supporting the Jinjialing Financial District to build a digital finance pilot zone and further expanding the scale and influence of the digital finance industry.

At the Digital Finance Summit Forum held on August 28, the Digital Finance Industry Alliance and Digital Finance Scenario Application Laboratory led by the Financial Management Commission will be inaugurated, creating a new stage and opportunities for the development of the digital finance industry in Jinjialing Financial District.

The nine-story platform starts from the soft soil. According to the relevant person in charge of the Jinjialing Financial District Management Committee, digitalization is a new impetus for the transformation and upgrading of the financial industry. The construction of the "Digital Finance Pioneer Zone" in Jinjialing Financial District has laid a solid foundation and taken off in an all-round way. In the next step, the Jinjialing Financial District Management Committee will strive for more policies and cheap conditions for the Financial Institution Groups and financial technology enterprises in the district, attract more high-quality digital finance-related projects to settle down, and develop and expand the digital finance industry in the interaction between government and enterprises, so as to help the construction of digital Qingdao to a new level.

(Qingdao Daily/Guanhai News reporter, Ding Qianqian, correspondent, Sui Hua)

Yang Mi became popular and watched the show ＂Besieged＂ Deng Lixin appeared and collided with her shirt


Yang Mi


Deng Lixin and Yang Mi collide shirts


Liti Chung

　　　 A few days ago, Yang Mi, Zhong Liti, Liu Yuqi, Liu Xinyou, Deng Lixin and many other female celebrities came to watch a new women’s clothing show. As female guests watching the show, choosing clothes is a very cautious thing, but the popular Yang Mi and Hong Kong actress Deng Lixin unexpectedly collided shirts, which was also an extremely eye-catching. I saw that Yang Mi and Deng Lixin both wore beige vests with black lace gauze skirts, and were suddenly seen by sharp-eyed reporters that the two actresses accidentally collided shirts.　

　　　 Yang Mi was also the focus of the night. When accepting the group interview, the media swarmed and besieged him, which shows Yang Mi’s high popularity. Deng Lixin may find herself colliding with Yang Mi, deliberately keeping a low profile and watching the show from a long distance away. From time to time, she also picked up her mobile phone to record the process and sent Weibo to cover up the embarrassment.

More exciting content on the next page

In 2018, China recalled 69.25 million cars to save consumers’ losses of 52 billion.

　　BEIJING, June 4 (Xinhua) According to the website of the State Administration of Markets, the State Administration of Markets recently issued a notice on the national automobile safety and recall in 2018. The circular pointed out that in 2018, a total of 221 car recalls were implemented, involving 12,512,800 defective vehicles. By the end of 2018, China had carried out a total of 1,768 automobile recalls, involving 69.25 million defective vehicles. The direct cost of automobile product producers due to the recall totaled about 52.9 billion yuan, and the accumulated loss of consumers was 52 billion yuan.

　　According to the notice, in 2018, the national automobile product defect information collection system received a total of 24,800 automobile product defect clue reports submitted by consumers. According to the classification of the vehicle assembly to which the defective parts belong, 10664 cases of defects involving the engine assembly were reported, accounting for 60.94%; Followed by 2524 cases of transmission system, accounting for 14.42%; 1091 cases of electrical equipment, accounting for 6.23%; 963 cases of car body, accounting for 5.50%; 675 cases of steering system, accounting for 3.86%; 655 cases of braking system, accounting for 3.74%; 297 cases were suspension system, accounting for 1.70%; 278 cases were tires and wheels, accounting for 1.59%; 244 cases of additional equipment, accounting for 1.39%; There were 108 cases of airbags and seat belts, accounting for 0.62%.

　　In 2018, a total of 221 vehicle recalls were carried out, involving 12,512,800 defective vehicles. The number of recalls and the number of recalls decreased by 12% and 37.6% respectively compared with 2017 (the peak in 2017 was caused by Takada airbag recall). By the end of 2018, China had carried out a total of 1,768 automobile recalls, involving 69.25 million defective vehicles. The direct cost of automobile product producers due to the recall totaled about 52.9 billion yuan, and the accumulated loss of consumers was 52 billion yuan. In the past five years, the average number of recalls has been 220 times, and there has been a recall every two days. The implementation of recalls has become a normal activity of automobile manufacturers.

　　In terms of the nature of recalls, in 2018, the number of recalls affected by the investigation by the General Administration of Market Supervision was 59, accounting for 27% of the total number of recalls; There are 6,798,700 defective vehicles involved, accounting for 54% of the total number of recalls. Defect investigation is still the main way to find vehicle product defects. By the end of 2018, there were 369 recalls affected by the investigation, involving 39,926,700 defective vehicles, accounting for about 58% of the total recalls.

　　From the assembly involved, there were 50 recalls due to airbag/seat belt related defects, involving 1,992,500 vehicles; 44 recalls due to engine-related defects, involving 3.147 million vehicles; 42 recalls due to electronic and electrical defects, involving 1.303 million vehicles; 29 recalls due to some defects in the car body, involving 605,500 vehicles; 20 recalls due to brake/wheel related defects, involving 1,913,700 vehicles; 17 recalls due to steering/suspension related defects, involving 3,467,700 vehicles; 14 recalls due to powertrain related defects, involving 77,400 vehicles; It was recalled five times for other reasons (additional equipment), involving 5923 vehicles.

　　From the perspective of defect types, in 2018, it was recalled 9 times due to standard compliance problems, involving 2124 defective vehicles; Non-standard compliance (unreasonable danger) was recalled 212 times, involving 12,510,600 defective vehicles, accounting for 99.98% of the total recall.

　　From the reasons of defects, 117 recalls were made due to design problems, involving 9.566 million vehicles; 100 recalls due to manufacturing problems, involving 2.876 million vehicles; Recall twice due to identification problems, involving 3461 vehicles; It was recalled three times for other reasons, involving 69,400 vehicles.

　　The circular pointed out that in 2018, the General Administration of Market Supervision focused on the following tasks in promoting the implementation of the automobile recall system and supervising the production enterprises to fulfill their recall obligations: first, strengthening the collection and analysis of defect clues; second, strengthening defect investigation; third, publicizing recall laws and standards; fourth, strengthening the recall supervision of new energy vehicles; fifth, carrying out recall supervision and effect evaluation; and sixth, improving the technical support system for recall supervision.

　　The circular also clarified the key tasks in 2019: first, promoting the construction of the automobile recall system; second, improving the recall supervision system; third, consolidating technical support capabilities; fourth, strengthening the research on automobile safety policies; and fifth, increasing the publicity of automobile recalls.