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Rich off-road configuration, the dark blue G318 will be officially launched today

  [Autohome] information] A few days ago, we learned from the official,Dark Blue G318(parameter|inquiry) will be officially launched today (June 13). The car is positioned as a mid-to-large SUV, with a load-bearing body, extended range power, OurHours four-wheel drive system and double differential locks. The dark blue G318 also offers a wealth of original expansion parts, including luggage racks, spotlights, electric pedals, spare tires, and more.

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

  In the exterior part, the car adopts a hard off-road square box shape, the front face is equipped with a generous front surround and an overall blackened design, and the C-shaped headlights on both sides are embellished to show a tough and sporty styling atmosphere. In addition, the dark blue G318 also has a roof searchlight, which can provide a 250m 2 illuminated area, and is combined with the luggage frame to reflect the refinement of the original accessories.

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

  On the side of the body, the new car still maintains the tough and straight line shape, and is equipped with widened off-road guards on the side skirts and front and rear wheel eyebrows of the vehicle. The dark blue G318 adopts the shape of 18-inch five-spoke rims, and the thick banner is similar to the anti-drop rims. According to the official, the dynamic load-bearing capacity of its roof rack can reach 80kg, and the static load-bearing capacity is up to 300kg. It can also be equipped with an optional roof tent to expand the upper and lower double-layer space to accommodate five people to rest.

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

  At the rear of the car, the dark blue G318 takes the theme of "Space Gate", and forms the main body through the rear window glass and the black parts below. At the same time, the two sides of the volume extend and intersect to form a lifting structure, forming a stable and powerful support for the tail. The solid and heavy surrounding shape is matched with a full-size external spare tire, which makes the vehicle attributes of hard off-road unique. In addition, the car will also be equipped with original trailer hooks and high brake lights to further ensure off-road driving safety. In terms of body size, the length, width and height of the car are 5010/1985/1960mm respectively, and the wheelbase is 2880mm.

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

Dark blue car, dark blue G318 2024, high-end version

  In terms of interior design, the overall design concept follows the hard-edged off-road style, with a large area of square contour lines shaping a thick center console shape. With a large number of physical buttons, wide and thick stops, and hollow handrails, it is convenient to operate functions in various driving conditions and is also conducive to the safety of the car. In addition, the car is also equipped with a large-sized instrument screen and a 14.6-inch central control screen, creating a good sense of technology.

Dark blue car, dark blue G318 2024, high-end version

Autohome

Autohome

  It is worth mentioning that the car also offers a one-button flat seat design, the trunk volume can be expanded from 818L to 1747L, and 31 storage spaces are provided, providing strong flexibility and ductility in the car.

Autohome

Dark blue car, dark blue G318 2024, high-end version

  In terms of power, the Deep Blue G318 will be equipped with an extended range power system. The 1.5T turbocharged engine can output a maximum power of 150 horsepower, and is divided into two versions: single motor and dual motor. The maximum power of the single motor version is 185kW; the front and rear dual motor four-wheel drive version models, the maximum power of the front motor is 131kW, the maximum power of the rear motor is 185kW, and the total power of the system is 316kW. The comprehensive battery life of the car reaches 1000km, and the pure electric battery life under CLTC conditions is 190km. It is reported that the fuel consumption of the vehicle can also be 6.7L/100km (CLTC) when the power is exhausted. In addition, the chassis of the car adopts a double fork arm + multi-link suspension system, and is equipped with OurHours four-wheel drive system and double differential lock, as well as 6kW external power discharge function. (Text/Autohome Yao Yu)

Rich off-road configuration, dark blue G318 will be officially launched today Autohome
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"New Shaolin Temple" trailer, Jackie Chan vows to make Fan Bingbing his daughter-in-law

Jackie Chan Daxiu "unreliable" Henan dialect Fan Bingbing made a joke

  This time Jackie Chan played the cooking monk, although he did not know martial arts, but it was not easy to act. The original filming time was 7 days, but after the crew, the director Chen Musheng only let Jackie Chan sleep for an hour every day, "It was really 7 days of filming for 14 days!" Recalling the past, Jackie Chan still complained bitterly. Every day when filming, he had to sweep the floor and mix noodles, which was no easier than acting in a play.

    Jackie Chan also has another "trick" in the play – show dialect. While mixing noodles, he also speaks Henan dialect, which is not very standard, but it is also a big highlight. He also shows a short paragraph on the spot, praising Fan Bingbing in Henan dialect as "the most beautiful one". But Fan Bingbing made a joke on the dialect. She, who is originally from Shandong, came up and said that Jackie Chan spoke Shandong dialect in the play, which made Jackie Chan laugh and said: "Miss, I speak Henan dialect!"

    Talking about the film’s box office, director Chen Musheng only said it would be very good and sell well, while Jackie Chan was more confident, "I think the box office is not a problem, I have seen hundreds of millions, and the box office of Chinese movies has exceeded 10 billion this year, and I will be able to pass 15 billion next year, and the year after that is 20 billion!"

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Hengda Real Estate plans to sell a 30% stake in Shanghai North Bund Project Company 660 million

Beijing News (Reporter Kodna) December 14, China Evergrande Group (referred to as "China Evergrande") announced the sale of the interests of the project company. The announcement shows that China Evergrande’s subsidiary Hengda Real Estate Group Co., Ltd. (referred to as "Hengda Real Estate") will transfer its 30% equity and project operating interests in the project company to Guangda Xinglong Trust Co., Ltd. (referred to as "Guangda Xinglong Trust") or designated by Guangda Xinglong Trust, the total consideration is about 663 million yuan.

According to the information, the above-mentioned project company was established on September 30, 2020. It is an enterprise engaged in real estate development and is responsible for the development of the North Bund project in Shanghai. The project plot area is about 12,600 square meters, and it is planned to be a commercial and residential office. The total planned area is 45,000 square meters, of which the residential construction area is 20,000 square meters and the commercial construction area is 25,000 square meters. The project company is held by Evergrande Real Estate and the joint venture party is 30% and 70% respectively. The joint venture party is an affiliated party of Guangda Xinglong Trust. The project has been suspended.

The announcement disclosed that the consideration for the sale of the interests of the project company is about 663 million yuan, which is determined by Hengda Real Estate and Guangda Xinglong Trust after fair negotiation with reference to the group’s assessment of the value of the adjacent land plots of the project and the overall situation of the current property market. In addition, 20 million yuan in the consideration will be paid in cash, and the remaining 643 million yuan in cash will be used to settle the current claims of Hengda Real Estate and its related party project company and joint venture party.

Editor, Wu Xin

Proofreading, Zhao Lin

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The dark blue G318 will be unveiled in March, and the price may be comparable to the Equation Leopard 5.

Recently, the driving line of sight learned from relevant channels that the first medium and large SUV under the Changan Deep Blue brand – G318 is expected to be officially unveiled in March. Through the name, it can also be known that the new car has a certain off-road strength and configuration. The current estimated price is about 300,000 yuan.

In terms of appearance, the dark blue G318 has a more square and tough design concept, and uses more tough lines to depict the body’s sense of strength. The front face is closed with a grille, and the outer ring of the headlights on both sides is a chic C-shaped daytime running lamp, which is highly recognizable and has a thick lower envelope, indicating that it pays attention to the positioning of the off-road attributes.

The side of the car is compact and full, and the hidden door handle can effectively reduce the wind resistance. The rear of the car adopts a vertical taillight group, and is equipped with an external spare tire, with a side-pull tailgate, which has a more off-road charm. At the same time, in terms of expansion, the new car also provides a wealth of original expansion parts, including luggage racks, spotlights, electric pedals, spare tires, etc. The length, width and height of the new car have reached 4915/1985/1885mm, and the wheelbase is 2880mm.

In terms of power, the new car will be equipped with a super range extension system, including a single-motor version with a maximum power of 110kW, and a dual-motor four-wheel drive version with a maximum power of 131kW for the front motor and 185kW for the rear motor. The total power of the system can reach 316kW.

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Guangzhou Automobile has launched a pure vision intelligent driving system without drawing and all-solid-state power battery, which is planned to be loaded in 2026.

  On the 2024 Guangzhou Automobile Science and Technology Day, Guangzhou Automobile launched an unmanned pure vision intelligent driving system and an all-solid-state power battery. () It has achieved a key technical breakthrough in mass production of high-safety and large-capacity all-solid-state power batteries of vehicle specifications, and has three core advantages of ultra-high energy density, ultra-high safety and large-capacity all-solid-state batteries. It is expected to be loaded on Haobo vehicles in 2026. Guangzhou Automobile Map-free pure visual intelligent driving system can be applied to complex and changeable whole scenes, and it does not need high-precision maps, does not rely on lidar, and combines visual sensors and industry-leading AI algorithms to realize intelligent driving with wider coverage. The volume energy density and mass energy density of GAC all-solid-state power battery are increased by more than 50%, so that the cruising range of the whole vehicle can exceed 1000km. Guangzhou Automobile Map-free Pure Visual Intelligent Driving System has three leading abilities in visual recognition, including the ability to accurately understand complex traffic roads, the super traffic signal recognition ability and the ability to deal with complex and changeable scenes. In addition, GAC’s map-free pure visual intelligent driving system also has the ability of continuous learning and evolution, and can iteratively optimize the algorithm in the simulation test to achieve self-improvement and evolution.

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BYD Tang Series launched the Glory Edition and other models for sale at RMB 219,800.

Viewpoint Network News:On April 22,Announced the launch of new models of the Tang series, including the glory version of Tang EV, the glory version of Tang DM-p and the 2024 version of Tang DM-p Ares, with a total of 6 models. The new model comes standard with Yunqi -C intelligent damping body control system, which enhances driving comfort and safety.

Among them, there are 3 models of Tang EV Glory Edition, and the price range is 219,800 to 269,800 yuan; Tang DM-p Glory Edition has two models, and the price range is 229,800 to 249,800 yuan. The 2024 Tang DM-p Ares Edition has only one model and the price is 269,800 yuan. These new models are equipped with DM-p hybrid system, and are equipped with super intelligent electric four-wheel drive as standard. The acceleration of zero is as fast as 4.3 seconds, and the fuel consumption per 100 kilometers in comprehensive working conditions is as low as 6.5L.

It is particularly worth mentioning that the 2024 Tang DM-p Ares Edition is also equipped with a differential lock, which can better cope with outdoor off-road scenes. In addition, the two-wheel drive version of Tang EV Glory Edition has a pure electric cruising range of up to 730km, and the four-wheel drive version is equipped with front and rear dual motors, with super intelligent electric four-wheel drive, achieving a zero-speed acceleration of 4.4 seconds.

BYD hopes to further cut into the highly competitive 200,000-class automobile market through the rejuvenation of the Tang series.

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Heze Haval Xiaolong Hot Promotion! The latest offer is 129,800 yuan, and the promotion is limited.

In [car home Heze Preferential Promotion Channel], it is in progress. If you need to buy a car in Heze, now is an excellent time. It is understood that Haval Xiaolong can enjoy a maximum discount of 10,000 yuan, and the minimum starting price is 129,800 yuan. Want to know more about the discount details of Haval Xiaolong, click "Check the car price" in the quotation form, and strive for higher discount!

https://car2.autoimg.cn/cardfs/product/g28/M03/D6/E0/autohomecar__CjIFVGRmJWuAEzm6ADDkktKEbbo059.jpg

Haval Xiaolong is a highly recognizable SUV model. Its front face design adopts a unique "flying wing" air intake grille, and with streamlined body lines, it presents a dynamic and stable overall style. The body lines are smooth, the lines are strong, and the front of the car is wide and powerful, which is very domineering. The lines on the side of the car are smooth and full of tension, the rear design is simple and generous, and the appearance design of the whole car is very visual impact. In addition, Haval Xiaolong’s body is decorated with a lot of chrome, which makes the whole car more luxurious and upscale. Generally speaking, the design of Haval Xiaolong is very recognizable, and it also has a sense of movement and luxury. It is a very attractive SUV model.

https://car2.autoimg.cn/cardfs/product/g28/M00/0B/83/autohomecar__ChxkmmRmJW6AQzRQADW1IU2wMB0479.jpg

Haval Xiaolong’s body size is 4600*1877*1675 mm, with a wheelbase of 2710 mm and a front and rear track of 1583/1587 mm. Its side lines are smooth, showing a sense of movement and strength. The front and rear wheels are made of 225/60 R18 tyre size, and the matching of tires and rims makes the whole car side more exquisite.

https://car2.autoimg.cn/cardfs/product/g27/M00/57/8E/autohomecar__ChxkmWRmJeCARf29ACZNIEQJivw073.jpg

Haval Xiaolong’s interior design is simple and atmospheric, with black and silver color matching, creating a high-end atmosphere. The steering wheel is made of leather, which feels comfortable, and the position can be manually adjusted up and down and back and forth, which is convenient for the driver to operate. The central control screen size is 12.3 inches, which supports speech recognition control system, including multimedia system, navigation, telephone, air conditioning, skylight and window, and is easy to operate. USB/Type-C interfaces are configured in the front row and the rear row to facilitate the charging needs of passengers. The seat is made of imitation leather. The main driver’s seat can be adjusted in front and back, backrest and height, the co-pilot’s seat can be adjusted in front and back, and the rear seat supports proportional tilting, which increases the flexibility of the interior space. The overall interior design gives consideration to comfort and practicality, providing a good driving experience for drivers and passengers.

https://car3.autoimg.cn/cardfs/product/g27/M07/57/96/autohomecar__ChxkmWRmJt-AWVRVACycQ9qqzqs443.jpg

Haval Xiaolong is equipped with a 1.5-liter four-cylinder engine with a maximum power of 74kW and a maximum torque of 132 N m. The engine uses a 2-speed DHT gearbox, which can provide a smooth shifting experience. At the same time, the car also adopts advanced hybrid technology, which makes it perform well in fuel economy. If you have higher requirements for power performance, Haval Xiaolong also provides other power configurations for you to choose from.

In terms of appearance, Haval Xiaolong does have an irresistible charm. The owner of car home said that he was very interested in the appearance of Haval Xiaolong, and the overall sense of science and technology was full. The front line is clear, and the design of the closed middle net and headlight groups on both sides makes the whole front look very simple and dynamic. Although the body size is quite satisfactory, the real car looks not small, the side lines are tough, the proportion is coordinated and very sharp. The sunken design of the roof and the triangular shape of the D-pillar forward tilt make the whole rear feel very rich. In addition, the design of the taillights on both sides of the rear is also very eye-catching, and the overall appearance is heavy and elegant. It can be said that the design of Haval Xiaolong is very successful, which not only conforms to the aesthetics of young consumers, but also makes people feel the tough style of Haval brand.

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"Challenger" Zhiji automobile broke the market strongly, differentiated labels broke through and subdivided the Red Sea.

  Harisucici
 
  Recently, SAIC’s flagship brand — — Zhiji Automobile announced that its large-scale luxury SUV Zhiji LS7 has exceeded 7,000 units since its pre-sale in late December 2022. Zhiji L7, another model of Zhiji Automobile, has also achieved good sales since it started user delivery in mid-June, 2022.

1 (1)

 

  According to the analysis of insiders, Zhiji brand has only been born for two years, and has launched two "trump cards" products, creating "Zhiji speed". He believes that Zhiji Automobile is a veritable "challenger". This challenge is mainly from two levels: on the one hand, compared with other brands of the same series, Zhiji brand is "harmonious but different" among the new forces of making cars, and adheres to the product differentiation strategy; On the other hand, from the perspective of industry, high-end brand is the dream of all China autobots. The "new luxury" brand Zhiji Automobile broke the game strongly, challenging the extremely involuted market segment between 350,000 yuan and 600,000 yuan with an average price of 388,000 yuan. From Zhiji L7 to Zhiji LS7, we have seen the breakthrough of Zhiji Automobile in the field of high-end intelligent electric vehicles, which reflects the pattern, vision, responsibility and responsibility of SAIC for the future new energy automobile industry in China.
 
2 (1)
 
  Refresh the benchmark of high-end smart electric vehicles
 
  2022 is the first year of Zhiji Automobile’s products, and Zhiji L7 and Zhiji LS7 have been launched one after another for the mid-to-high-end smart electric vehicle market. Two "trump cards" products have entered the market with strong differentiation, setting a new benchmark for the value of high-end smart electric vehicles.
 
3 (1)
 
  Among them, the "New World Driving and Control Flagship" Zhiji L7 is the first mass-produced model of Zhiji Automobile, and it is a medium-sized and large five-seat luxury intelligent pure electric car; Zhiji LS7 Zhiji Automobile’s first SUV model. Zhiji LS7 has a length of over 5m and a wheelbase of over 3m. It is a medium and large luxury SUV like X5, ES8, ModelX, etc. It adopts the high-end pure electric structure of iO origin with the same origin as Zhiji L7, providing unprecedented vision, space and new experience of driving control and safety.
 
  In order to build the strength of hard-core products, Zhiji has his own three "persistences".
 
  First of all, Zhiji Automobile always adheres to the brand’s excellent driving control genes. In order to achieve the ultimate driving control, L7 insists on the design of "four-wheel steering+mixed tire width" and WAE Williams master chassis adjustment; LS7 is a "famous brand" all over the body, such as continental air spring in Germany, DampTronic electric shock absorber in Germany, BOSCHEPS electronic steering, DampTronic electromagnetic dynamic damping adjustment system, Italian Brabo braking system, and special tires for PilotSportEV high-performance electric vehicles.
 
4 (1)
 
  Secondly, in the intelligent field of crazy involution, Zhiji Automobile insists on a lot of innovative practices in the intelligent cabin field of new energy vehicles in the future. The Zhiji LS7, which will be launched in February, will be equipped with a brand-new intelligent cockpit 2.0, combining the original stone valley and IMGO with the IMO version 2.0! , break the barriers between virtual and reality, and bring the car owners a thrilling car experience. Zhiji LS7 will become the first SUV to realize the entanglement between reality and virtual reality, and the first smart car to truly apply blockchain technology.
 
  Thirdly, Zhiji Automobile insists on the forward-looking exploration of user value. As a brand that knows China users well, Zhiji Automobile keeps sharpening its product strength and creates a highly personalized product. Both the high-quality experience brought by Zhiji L7′ s 180+ clean-taste cockpit and the 106-degree super-vision experience brought by Zhiji LS7′ s breaking the routine are the results of "user value" that Zhiji Automobile has always emphasized.
 
  "Extreme Driving Control" Differentiated Label Breakthrough and Segmentation of the Red Sea
 
  High-end intelligent electric vehicles are replacing traditional luxury fuel vehicles as users’ first choice. Under the sweeping wave of industrial transformation, China brands, represented by the new forces of making cars, quickly seized the new outlet of electrification and intelligence and collectively carried out high-end actions. At present, the average price of high-end electric brands in China has exceeded 300,000 yuan.
 
  It can be said that Zhiji Automobile is born at the right time and has a long way to go. Talking about how to break through the Red Sea in this extremely involuted market segment, Tamia Liu, CEO of Zhiji Automobile, gave Zhiji’s opinion.
 
  Tamia Liu said that to do this, hard-core product strength and accurate brand concept are indispensable. The first question that Zhiji Automobile thought at the beginning of positioning its products was: What’s the difference between us and others? In the face of the homogeneous product group image in the market, Zhiji Automobile has its own persistence and understanding of products, and insists on not following the crowd and thinking differently about product positioning.
 
  He further elaborated the thinking of Zhiji brand on differentiation. Under the industry atmosphere of "attaching importance to intelligence and neglecting manufacturing", Zhiji Automobile has always adhered to the brand’s excellent driving and control genes. Zhiji Automobile has created a new "driving control ceiling" with extreme power and control, and created the most remarkable differentiated labels and selling points from other brand products so far.
 
  Tamia Liu said that with the distinctive "extreme driving control" label at the product end, Zhiji Automobile has gained a good brand reputation. This has been certified in the first mass-produced car, Zhiji L7. The product positioning of Zhiji L7 is "the flagship of new world driving control", and the key words such as flagship, performance and track are coming to the fore. In addition, the market order of pure electricity+track has not been fully established, which makes Zhiji L7 in a relatively newer and smaller market. After a year of media test drive, user experience and track brushing, Zhiji Automobile has attracted a lot of attention and recognition for its excellent manipulation genes.
 
5 (1)
 
  It can be said that the differentiated thinking of "no one has me, no one has me" is the magic weapon for Zhiji Automobile to break through the high-end intelligent electric vehicle. This is not only reflected in the pursuit of hardware "extreme driving control" by Zhiji Automobile, but also makes it not take an unusual path in the forward-looking exploration of user value and insist on becoming a household-type automobile science and technology company.
 
  In the era of artificial intelligence, technology drives user data and has formed new productivity. However, in the face of new productivity and relying on systematic advantages such as products and technologies, almost all enterprises take "wasting user data" for granted. Zhiji Automobile adheres to the respect for users, adheres to the core concept that data-driven is the iteration of brands and products, and chooses to give back the contribution of user data in the form of data rights, so that user data rights can truly land.
 
  Based on the interpretation of the logic of the times, Zhiji Automobile pioneered the "Original Stone Valley User Data Rights Plan" in the world, giving back the contribution of user data through 300 million "original stones". Zhiji Auto took the lead in moving from "information Internet" to "value Internet" and embraced the dividend of the times with users.
 
  Someone in the industry once described Zhiji Automobile as a "rich second generation born with a golden spoon". Different from the establishment of some new power brands, it is only due to the hot money effect of the capital market on new energy vehicles. The Zhiji brand, which has just been established for two years, relies on the top resource-based parent companies such as SAIC, Alibaba Group and Zhangjiang Hi-Tech, and has multiple genetic advantages such as traditional car-making technology and intelligent network connection. Despite such superior "innate conditions", Zhiji Automobile did not choose to lie flat and simply become a part of these new car-making forces, but chose AlwaysDayOne to focus on building high-end pure electric smart cars, and defined "what smart auto time should look like" with the integration of intelligent technology and humanities and arts.
 
  As the "No.1 Project" of SAIC, Zhiji Automobile carries the dream of SAIC’s high-end new energy. While honing bones and muscles with science and technology, intelligence and innovation, and breaking the "ceiling" of the industry, Zhiji Automobile regards the national responsibility of China automobile brand as its own responsibility. Adhering to this responsibility, Zhiji Automobile challenges the industry, by inheriting Ali’s pioneering science and technology genes, giving full play to SAIC’s leading design, research and development, management system and unique advantages in the manufacturing field, relying on the strength of strong alliance to build a strong product matrix efficiently, and running on the road of becoming "the implementer of travel change in the intelligent era".
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Hangzhou binds Ant Financial Services, Shanghai pushes lufax, and who is the mutual gold power in Beijing and Shenzhen?

China mutual gold which strong? We will think of Ant Financial, JD Finance, lufax, WeChat Payment, etc. If we take the city as the dimension, we can easily think of the cities where these giants are located: Beijing, Shanghai, Shenzhen, Hangzhou … all seem to be important towns for mutual gold. Which of these cities has stronger mutual gold strength? What are the characteristics of each city’s mutual gold industry?

 

There are many indicators to evaluate the development level of a city’s internet finance, such as the number of mutual fund enterprises, the scale of mutual fund assets, the scale of transactions, financial infrastructure, the number of mutual fund enterprises with unicorn valuation, and the strength of policy support. For the sake of simplicity, this paper observes the mutual gold development degree of major cities from the most intuitive angle, that is, from the index of the number and development level of mutual gold enterprises in the region. Large-scale enterprises will have layouts in big cities such as Beijing, Shanghai, Shenzhen and Hangzhou. This article is based on the location of the headquarters.

 

Beijing: a well-deserved domestic capital of mutual gold

 

In the field of domestic mutual gold, Shanghai, Hangzhou, Shenzhen and other places can be called important cities of mutual gold, but when it comes to the first city of mutual gold industry, Beijing is still doing its part. In Beijing’s mutual gold industry, there are mutual gold businesses owned by Internet giants such as Jingdong Finance and Baidu Finance, as well as large-scale mutual gold companies such as CreditEase, Renren Loan, Lacarra and Rong360, as well as mutual gold businesses owned by state-owned financial institutions such as workers, peasants and China Construction.

 

To sum up, Beijing’s mutual gold industry has several characteristics:

 

First, the format is complete., whether it is payment, wealth management, peer-to-peer lending, financial search, crowdfunding, financial technology and other relatively large formats, or consumer finance, supply chain finance, smart investment, product crowdfunding, equity crowdfunding and other more subdivided areas, Beijing’s mutual gold enterprises have a layout. Mutual gold formats that exist in other cities can basically find the target enterprises in Beijing;

 

Second, there are many mutual gold enterprises.. From the perspective of large Internet companies that carry out Internet finance business, Beijing has the largest number, such as JD.COM, Baidu, Xiaomi, 360, 58, LeTV, Sohu, Sina, etc.

 

In the online lending industry, the data of online lending house shows that by the end of October 2016, the top five provinces with normal online lending platforms were Guangdong, Beijing, Zhejiang, Shandong and Shanghai, with 394, 295, 268, 210 and 205 respectively. In terms of provinces, Beijing is second only to Guangdong, and in terms of cities, Beijing has the largest number.

 

In the third-party payment industry, there are nearly 270 companies that have obtained payment licenses. From the perspective of the provincial distribution of licensed companies, the highest number is Beijing, and 57 companies have obtained licenses.

 

Third, there are many enterprises in the forefront of the industry.. Among the TOP100 platforms of online loan volume launched by Online Loan House in September 2016, there are 33 platforms in Beijing, ranking first among cities. IResearch’s Q2 2016 third-party payment transaction scale ranking shows that among the TOP10 enterprises (Alipay, Tenpay, Bank Merchants, Quick Money, Zhongjin Payment, Remittance to the World, yeepay, Jingdong Payment, Yifubao and Baofu.), Beijing enterprises accounted for 3.

 

From the mutual gold business of large companies, JD Finance has scale advantages in wealth management, supply chain financing, consumer finance and other fields. Baidu Finance has certain advantages in financial technology and has demonstrated its strength in consumer finance fields such as education staging.

 

Fourth, the shortcoming is that Beijing is the domestic Internet center and a big city of mutual gold, but the largest Internet companies and mutual gold companies in China are not in Beijing.. Beijing’s Internet industry and mutual gold industry are superior to enough enterprises, and entrepreneurial enterprises are active enough.

 

It is not surprising that Beijing is the domestic leader in the field of mutual gold. First of all, Beijing is a place where domestic Internet companies gather, and entrepreneurial activities are in full swing. It is normal for large enterprises to have a large number of mutual gold businesses and mutual gold startups. Secondly, Beijing is also a place where financial institutions gather, and has a good industrial foundation in terms of asset-capital docking and talent flow.

 

Hangzhou: a new force of mutual gold in the rise

 

Compared with Hangzhou, Beijing has strong comprehensive strength, but the industry leader is not there; Hangzhou, on the other hand, is the leader in the domestic mutual gold field. Compared with Beijing, its comprehensive strength is insufficient, but it is rising rapidly.

 

Compared with the first-tier cities such as Beijing, Shanghai and Shenzhen, Hangzhou is currently a quasi-first-tier city, but there is not much gap between the Internet industry and the mutual gold industry in Hangzhou. There is a giant ant financial service in the domestic mutual gold field, which makes it impossible to ignore the existence of Hangzhou’s mutual gold territory in China. In fact, in addition to Ant Financial, Hangzhou also has rising Netease Finance, 51 credit cards and other enterprises, as well as online lending institutions with large transactions such as micro-loan network and Xinhehui.

 

Needless to say, Ant Financial is already the leader in the domestic mutual gold field, with a valuation of 75 billion US dollars. It has gradually formed business segments such as payment, wealth management, financing, comprehensive finance and financial infrastructure, and is one of the few Internet finance companies in China that have advantages in both assets and funds, as well as technical advantages. (However, it is worth noting that Ant Financial has moved Alipay’s registered place to Shanghai. )

 

Compared with Beijing, although Hangzhou has a leader in domestic mutual gold industry, the number of mutual gold companies that reach a large volume is less than that of Beijing. However, at present, the mutual gold industry in Hangzhou is developing rapidly and has the potential to become a new benchmark for mutual gold.

 

51 Credit Card, which has been established for four years, is currently valued at more than US$ 1 billion, and has received a total investment of US$ 394 million in the last two months. Judging from the financing amount and the latest valuation, it can be regarded as a mutual gold benchmark enterprise in Hangzhou except ants. At present, the monthly revenue of 51 credit cards has exceeded 100 million. It is estimated that this year’s revenue will exceed 1 billion yuan and the net profit will be 200-300 million yuan. Many large companies, including lufax and JD Finance, are still losing money. It is rare that the revenue of 51 credit cards can continue to grow and keep its net profit positive, which is closely related to its earliest entry into the credit card management field and its accumulated over 70 million cardholders with strong credit demand in four years.

 

In addition, Netease established the financial business department in Hangzhou in May 2015, and has now formed business segments such as Netease Payment, Netease Wealth Management and Netease Small Loan. The data shows that Netease Finance has 100 million registered users, including 30 million real-name accounts. In 2015, the transaction volume of various types exceeded 50 billion yuan.

 

In addition to these three pioneers, the rankings of Online Loan Home and Zero One Finance show that the monthly transaction volume of online loan companies such as Micro-loan Network and Xinhehui are among the top 10 in the industry.

 

It can be found that the development momentum of mutual gold in Hangzhou is relatively rapid. This city not only has ant financial services, but also has a wave of entrepreneurial enterprises growing rapidly, and Hangzhou has become a new rising force in the field of mutual gold.

 

Shanghai: a battleground for mutual gold enterprises.

 

Shanghai is a domestic financial center and a relatively developed field of internet economy, and mutual financial development has a good foundation. The competition between Beijing and Shanghai is an eternal topic. Compared with Beijing, Shanghai’s mutual gold strength cannot be underestimated. To sum up, Shanghai Internet finance has the following characteristics:

 

First, there are a large number of mutual fund enterprises, and the number of online loan enterprises and third-party payment enterprises is second only to Beijing at the city level, and the gap is not big.. At present, 54 enterprises in Shanghai have obtained third-party payment licenses, second only to 57 enterprises in Beijing. There are 205 online lending platforms operating normally in Shanghai, second only to 295 in Beijing from the perspective of cities. In addition, even if the mutual fund enterprises headquartered in other places have a certain scale, they will generally establish branches in Shanghai.

 

Second, some of Shanghai’s well-known mutual gold platforms are set up in Shanghai by enterprises from other regions.Li, such as lufax, Zhongan Insurance, Wanda Internet Finance, etc., also includes Xiaomi’s recently established rice financing service in Shanghai. In addition, companies including Baidu, SouFun and Vipshop have also set up small loan companies in Shanghai. This shows that Shanghai, as a financial center, has great attraction to financial business. Shanghai is a battleground for mutual gold enterprises to compete.

 

Third, compared with Beijing, Shanghai has certain advantages in the field of payment., including UnionPay Business, Quick Money, Remittance to the World, Fu You Payment, Tonglian Payment, Baofu, Shengfutong, Huanxun Payment, etc., are all payment enterprises with large transaction scale in China.

 

Fourth, the top companies in Shanghai’s domestic mutual gold industry are lufax, Zhongan Insurance and Oriental Fortune, followed by Wanda Internet Finance, Paipai Loan and Dianrong.com..

 

Lufax’s current valuation has reached US$ 18.5 billion, and it has launched a listing plan in Hong Kong. The number of its users and transaction volume are dominant in the domestic online lending and wealth management fields. China Ping An’s Q3 2016 quarterly report shows that as of September 30, 2016, the cumulative number of registered users of lufax Platform was 25.5 million, and the number of active investment users was 6.55 million. In the first three quarters of 2016, the retail transaction volume was 1,077.220 billion yuan, and the institutional transaction volume was 3,220.583 billion yuan.

 

The valuation of Zhongan Insurance once reached US$ 8 billion. As of May 31, 2016, Zhongan Insurance had served more than 414 million customers and the number of policies exceeded 4.583 billion. Recently, Zhongan Insurance established a new company, Zhongan Technology, focusing on inclusive finance and health care, and exporting technical capabilities to the outside world.

 

Fifth, some mutual gold formats developed earlier in Shanghai.For example, Kuaiqian was established in 2004, Paipai Loan was established in 2007, and Tiantian Fund Network, a subsidiary of Oriental Fortune, was established in 2008. It is an early platform for payment, online lending and online fund sales in China. This shows that Shanghai has always been in a leading position in the exploration of new financial formats.

 

Generally speaking, as a financial center and an important Internet town, Shanghai also has a good development soil for Internet finance, and the current mutual gold ecology is relatively sound. Like Beijing, Shanghai is a battleground for every mutual gold enterprise, but it is slightly inferior to Beijing in terms of the number of mutual gold enterprises and the number of well-known start-ups at present.

 

Shenzhen: A Hot Land of Mutual Gold Led by Tencent and Ping An Group

 

Shenzhen is also a place where financial institutions gather, and the atmosphere of Internet entrepreneurship is also very strong, laying the foundation for the development of mutual funds. Internet giant Tencent and Ping An Group, which have full financial licenses, have developed good mutual gold business. In addition, online lending institutions with large transactions such as Hongling Venture Capital and Mavericks Online have emerged in Shenzhen.

 

In terms of the total amount, the data of Shenzhen Financial Office shows that by the end of June 2015, there were more than 1,200 Internet finance enterprises in Shenzhen. According to incomplete statistics, the scale of Internet third-party payment transactions in Shenzhen exceeded 3 trillion yuan, accounting for nearly half of the country. Equity crowdfunding and Internet wealth management rank among the top three in China.

 

When it comes to mutual gold giants in Shenzhen, the first thing that comes to mind is Tencent and Ping An, which have made great efforts in the field of mutual gold.

 

Tencent’s financial business scale is among the highest in the industry. At present, Tencent Tenpay is second only to Alipay in the field of third-party payment. Weizhong Bank has been online for one year. Relying on two super portals, WeChat and QQ, and using big data risk control technology, it has issued loans exceeding 40 billion yuan. In terms of financial management, as of the end of April 2016, the number of general-purpose users of Tencent’s financial management has exceeded 50 million, and the scale of funds has exceeded 100 billion.

 

In addition to lufax, China Ping An also has mutual gold business such as Ping An Pratt & Whitney Finance, One Wallet and Ping An One Account. According to the third quarterly report, as of September 2016, the amount of new loans in inclusive finance was 111.901 billion yuan; The transaction scale of one wallet payment and points business reached 2,005.718 billion yuan, with a total of 64,987,000 registered users and an average monthly active user of 6,206,900. The user scale of the one-account platform is nearly 157 million, and the monthly active users exceed 22.2 million.

 

In addition to Tencent and Ping An, there are many online lending institutions with the largest transaction scale in Shenzhen, including Hongling Venture Capital and Mavericks Online. This shows that the mutual gold industry in Shenzhen also has a high status in the country.

 

 Major mutual gold enterprises in Beijing, Shanghai, Shenzhen and Hangzhou

Generally speaking, at present, Beijing is in a relatively leading position in the field of mutual gold, but the gap with other cities is not large, and there is also the possibility of being overtaken; The scale of mutual gold between Shanghai and Shenzhen also has a relatively large volume, with large enterprises in bring up the rear; There are mutual gold leaders in Hangzhou, and there are also entrepreneurial enterprises that are constantly emerging and their strength is constantly increasing. In addition, Guangzhou (There are enterprises or businesses such as WeChat Pay, Evergrande Financial Services, Vipshop Finance and PPmoney.), Nanjing (There are Suning Finance, Kaixin Loan and other enterprises.) and other places also have a certain scale of mutual gold industry. The future mutual gold competition will still be fierce.

 

How to interpret the competitive market of urban mutual gold industry in the future?

 

Summarizing the mutual development paths of cities, we can find that the development level is highly related to the following factors:

 

The development level of internet industry.Basically, the urban distribution pattern of mutual gold follows the development pattern of the Internet industry, with Beijing being the largest, followed by Shanghai, Shenzhen and Hangzhou. The high level of Internet development means that there are many Internet giants in this city, and they have first-Mover advantages such as traffic and scenes. It also means that the internet entrepreneurial atmosphere in this city is relatively strong. As the main field of current entrepreneurship, mutual gold projects will continue to emerge to ensure the quantity and quality of the mutual gold industry in this city.

 

Level of financial development.Beijing, Shanghai and Shenzhen are the top three in the development of domestic financial industry, and Hangzhou is located in Zhejiang, where the economy is developed and private finance is prosperous, and the financial industry has a good foundation. Having a developed traditional financial industry means that Mujin has a lot of offline assets that are easy to dock, and it is easier to introduce financial talents, which will help Mujin’s development.

 

Policy support. Compared with the above two factors, the influence of policies on the overall mutual development level of a region is not decisive, but it cannot be ignored. In particular, if a city prohibits the development of a mutual gold format, the impact will definitely be immediate. If the policy is biased towards promoting the development of the industry, it will be a more important auxiliary factor, such as preferential policies may attract some enterprises to settle down, but relatively speaking, the level of Internet and financial development is a more influential factor. The influence of these three factors is relatively intuitive. If we dig deeper, it may be that the level of rule of law, urban governance and development details of a city are at work.

 

As far as the competition among the four major cities is concerned, Beijing’s advantages of big companies and entrepreneurial ecology ensure that its position as a mutual gold leader will continue. It is possible for Shanghai, Shenzhen and Hangzhou to challenge Beijing’s position, but it is not difficult. It is necessary to make more efforts in Internet entrepreneurial environment, financial ecology and policy support.

通过admin

Work together to curb the phenomenon of "online celebrity children"

  Xu Junzuo (Xinhua News Agency)

  Recently, more and more accounts with the main content of "Meng Wa" have appeared on some short video and live broadcast platforms. Many parents have turned their children into "online celebrity" and realized the flow through business cooperation. Recently, the General Office of the Ministry of Culture and Tourism issued the Opinions on Strengthening the Protection of Minors in the Network Culture Market, which prohibits the use of "online celebrity children" for profit and protects the legitimate rights and interests of minors in cyberspace.

  Some "sunbathing babies" are deformed.

  On a short video platform, there is an account that focuses on "A Little Play Girl". The video content is a conversation between a seven-or eight-year-old girl and a boy of similar age, and it has more than 2 million fans on the platform. In the video thumbnail of this account, words such as "it’s like quarreling with my girlfriend", "overbearing small president", "Don’t guess the girl’s mind" and "the pain of the rich" are not uncommon.

  In another short video platform, a 4-year-old and 2-year-old female baby attracted the attention of more than 37 million netizens. The video account takes two sisters as the main appearances, showing the funny daily life of "Meng Wa Keng Dad" and mother and daughter fighting wits. In the message area, many netizens said that "the baby is so cute" and "the little expression is in place and I like this child too much".

  On some live broadcast and short video platforms, there are many "online celebrity Children" accounts like this, with fans ranging from tens of thousands to tens of millions. Among them, most of them mainly record children’s daily life. However, with the increase of homogeneous content, many accounts have begun to "find another way", and there have been modes such as eating and broadcasting, wearing beauty, and deducing plot paragraphs: eating and broadcasting blogger "Paiqi" was fed by her parents at the age of 3; The little girl who just finished her fifth birthday skillfully picked up foundation and eye shadow and introduced how to make up for the camera. Some parents deliberately feed their babies with pungent food and film their babies’ expressions to please the audience … … Immature children are doing actions that are not in line with their age, and some of them are gradually deformed.

  "Eating small" is harmful.

  When the child made trouble at home, the mother said helplessly, "What can I do with this holiday?" My father then read an advertisement for a certain brand of TV and replied, "With this, she will stop."

  Similar advertisements exist in a large number of "online celebrity Children" accounts, which has become the main way to realize traffic realization of such accounts. When you open the homepage of these accounts, most of them can see the signs of "good things recommendation", "live news" and "find my official cooperation" Parents who operate children’s short video accounts said that they can earn 150,000 yuan a month by relying on the baby.

  According to insiders, there may be an "interest chain" behind the explosion of "online celebrity children". Some parent-child accounts simply share their daily lives in the early stage. After the sudden explosion of traffic, some institutions will take the initiative to sign contracts with them, and after signing, they will get more business opportunities, which also leads some parents to use their children to create accounts as business operations. The reporter also saw on a short video data analysis platform that many accounts that have exploded have signed up for MCN (online celebrity Incubator).

  Experts said that in order to make a profit, it is actually a "pit baby". On the one hand, pushing children to the front of the camera, "selling cute" according to the script, over-overdrawing their physical strength and over-exposing their privacy, can easily cause psychological anxiety. On the other hand, children’s premature participation in commercial activities through live short videos will also lead to distorted values and form utilitarian thinking and impetuous mentality.

  Some experts pointed out that there are many legal risks in hyping "online celebrity children". According to the relevant provisions of the Law on the Protection of Minors, no organization or individual may organize minors to perform activities that endanger their physical and mental health. The Law on the Protection of Minors, which came into effect on June 1 this year, has clearly stipulated that webcasting service providers shall not provide webcasting publisher account registration services for minors under the age of 16.

  Prevent excessive consumption

  In view of some unhealthy phenomena and problems such as using "online celebrity children" to make profits on some online cultural platforms, the Opinions on Strengthening the Protection of Minors in the online cultural market proposes that minors’ participation in online performances should be strictly controlled, and accounts that appear in the live broadcast room or short video account that minors appear alone or are carried by adults for more than a certain period of time and are approved to accumulate popularity and seek profits by minors, or use children’s models to pose indecent poses and make sexual hints to attract traffic and make profits with goods should be severely punished according to law.

  For the platform, we must also consciously fulfill the main responsibility. Experts pointed out that the network platform should be strictly controlled. On the one hand, it should strictly implement the anchor access conditions and age restrictions; on the other hand, it should strictly review the live broadcast information and video content involving minors, and take measures such as banning the accounts that excessively consume "online celebrity children". The person in charge of a short video platform said that at present, video accounts featuring children have been identified through machine algorithms and manual labeling, and the management of such accounts has been strengthened.

  It is understood that many registrants of "Mengwa" accounts are adults, which makes it difficult for the platform to directly supervise through registered identity. The key to curb the hype of "online celebrity children" lies in parents. Sun Yunxiao, chief expert of family education in China Youth Research Center, believes that parents should take a long-term view and create a safe and clean environment for their children, and should not let their children enter the adult world prematurely for their own selfish interests.

  Experts said that schools and society should strengthen the guidance and education for parents and supervise them to fulfill their guardianship responsibilities. For those parents who completely regard their children as cash cows, relevant departments should play a role in effectively protecting the legitimate rights and interests of minors.