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▲ Picture/Beijing News Network

Recently, the National Development and Reform Commission and 10 other departments jointly issued the "Implementation Plan for Further Optimizing Supply to Promote Steady Consumption Growth and Promote the Formation of a Strong Domestic Market (2019) ". With the improvement of living standards, cars have become the largest consumption of Chinese people. Therefore, the first item in the "Plan" is to "take multiple measures to promote automobile consumption and better meet the travel needs of residents."

It is worth noting that the plan also specifically mentions "promoting the replacement of rural vehicles".

Rural areas are entering the threshold of explosive popularity of automobiles　 　　

To some extent, this can be understood as a restart of the "car to the countryside" policy to promote car consumption in rural areas. As early as 10 years ago, in January 2009, the "Plan for Adjustment and Revitalization of the Automobile Industry" announced by the State Council proposed a policy to benefit farmers: between March 1 and December 31, 2009, the purchase of 1.3 liters and below, and the scrapping of three-wheeled vehicles or low-speed trucks for light trucks, a one-time financial subsidy will be given.

It is also reminiscent of home appliances going to the countryside a decade ago. Home appliances going to the countryside is a fiscal policy rescue plan announced by the Chinese government in December 2008 to combat the sharp decline in export demand for consumer electronics caused by the global financial crisis and expand the domestic market.

"Home Appliances to the Countryside" provides farmers with the purchase of four types of products, including color TVs, refrigerators, mobile phones and washing machines. Subsidies are given at 13% of the product price, and the maximum subsidy is 2,000 yuan for TVs, 2,500 yuan for refrigerators, 2,000 yuan for mobile phones and 1,000 yuan for washing machines. Home appliances to the countryside have achieved remarkable results, achieving benefits for farmers, markets for enterprises, and the state has achieved the effect of boosting domestic demand.　 　

At present, the international economic situation is complicated, and China’s exports are facing certain pressure. At this time, the huge domestic demand market has become a valuable strategic depth of China’s economy. At present, consumption has become the most important driver of the troika driving the economy, and the huge "five ring external market" also contains huge consumption power. Utilizing and activating this strategic depth is a necessary move for China’s economic development.　 　　

Economic policy is about following the trend, and the external conditions for cars to go to the countryside are mature. According to the laws of the general market, when the per capita GDP is between 800 and 3,000 US dollars, the market demand for cars rises rapidly, and the per capita car ownership also increases significantly. Experts from the China Machinery Industry Federation say that when the per capita GDP reaches 1,000 US dollars, cars begin to enter households. When the per capita GDP reaches 3,000 US dollars, private car purchases will experience explosive growth.　　

The explosive growth of Chinese automobiles appeared in 2008. From 2008 to 2010, the compound growth rate of automobile sales in our country was 38.77%. In 2009, the cumulative sales of automobiles in our country’s automobile market 13.6448 million, an increase of 45.46% year-on-year, making it the world’s largest automobile sales market. In 2010, the cumulative sales of automobiles 18.0619 million, an increase of 32.37% year-on-year. China’s per capita GDP in 2008 was 24,100 yuan, which basically met the threshold of 3,000 US dollars per capita for automobile popularization.

However, China does not have separate statistics on the per capita GDP of rural areas, so we need to find another data. There is another rule in the popularity of cars, that is, the R value, that is, the price of cars/per capita income. When this R value is close to 3, cars become popular.

In 2008, when the threshold of 3,000 US dollars was entered and China’s automobile industry broke out, the per capita income of Chinese cities and towns was 15,781 yuan. Considering the differences in China’s regional development and the high Gini coefficient, the income of first-tier cities will be higher. In 2008, the per capita salary in Beijing was about 45,000 yuan. At that time, a car was calculated at 150,000 yuan, which just entered the threshold of R value equal to 3.　 　　

With this R value, it is not difficult to infer that rural areas are now entering the threshold of explosive popularity of automobiles. On December 30, 2018, Minister of Agriculture and Rural Affairs Han Zhangfu revealed at the meeting that the development of agriculture and rural areas in 2018 has made steady progress, and the per capita net income of farmers has continued to grow rapidly, which is expected to exceed 14,600 yuan. Considering that farmers work abroad and send their income back, this income will further increase. At the same time as farmers’ income increases, thanks to the increasing localization, car prices are also falling. Domestic brand cars like Haval and Geely are of high quality and low price, starting from 50,000 yuan. China’s rural income has crossed the border of R value equal to 3.

To some extent, the countryside needs cars more than the cities. The rural population is more dispersed, public transportation is underdeveloped, and some places can be said to have no public transportation. So farmers’ demand for cars is more rigid. At the same time, with the deepening of new rural construction, the road conditions in rural China have improved, and they are no longer the muddy roads of the past. There are no restrictions on parking in rural areas, and the consumption of cars is reduced by a large amount.　　

▲ Picture/Beijing News Network

It can be seen that various factors are already in place, and the popularity of automobiles in rural China is entering the threshold of explosive growth.

Driving cars to the countryside will transform rural lifestyles　 　

It is worth noting that rural car consumption has its own characteristics, that is, the balance of life and production. This makes pickup trucks likely to become a popular model for farmers. At present, many places have implemented restrictions on pickup trucks, which will undoubtedly curb farmers’ desire to buy.　

Therefore, the "Plan" also proposes to steadily relax the scope of restrictions on pickup trucks entering cities. On the basis of evaluating the effect of the pilot policy of liberalizing the restrictions on pickup trucks entering cities in six provinces and regions of Hebei, Liaoning, Henan, Yunnan, Hubei and Xinjiang, we will steadily and orderly expand the scope of restrictions on pickup trucks entering cities. Obviously, increasing the use scenarios of pickup trucks is conducive to improving car consumption in rural areas.　 　　

The entry of cars into the countryside will also change the way of life in the countryside. Cars need roads, and the price of road construction is not cheap, which means that in a village, in order to share the road, the living will become more and more concentrated. And public facilities such as road construction require local residents to negotiate the construction and maintenance of the road together.　　

In addition, with the increase of rural cars and relatively underdeveloped road facilities, traffic jams in townships and counties will occur more frequently. In fact, traffic jams during the Spring Festival have now shifted from cities to townships. This all requires an improvement in awareness of rules. Of course, some negatives will inevitably appear. Rural areas are a real-world friends society, and the comparison is more serious. In the past, it was a comparison of houses, but now the goal of comparison may be placed on cars. These problems need to be confronted and solved in sequence.

But it is foreseeable that the "car to the countryside" will restart in 10 years, which is indeed expected to leverage the rapid growth of the rural automobile market.　 　

Liu Yuanju (Researcher, Shanghai Institute of Finance and Law)

The latest news of Yancheng car home preferential promotion channel, luxury SUV is in progress. As a highly regarded model, the price reduction of Volvo XC60 is surprising. In Yancheng area, you can enjoy a maximum discount of 132,400 yuan, and the minimum starting price is 289,500 yuan. If you are interested in this model, don’t miss this excellent opportunity. Please click "Check the car price" in the quotation form to get a higher discount.

Volvo XC60 is a luxury SUV, and its design is full of modernity and elegance. The front face design of this car is very unique, adopting the iconic Volvo family design language, such as the straight waterfall air intake grille and the sharp "T" headlight group, which makes the whole car look very exquisite. The body lines are smooth, and the overall style is simple and luxurious. In addition, the side of XC60 also adopts a unique "origami" design element, which makes the body more stereoscopic. At the same time, the rim of XC60 is also very attractive, and a variety of styles are available, which adds a sense of movement to the vehicle. Generally speaking, the design of Volvo XC60 is very attractive, full of modernity and luxury, and it is a leader among luxury SUVs.

Volvo XC60 is a medium-sized SUV with a body size of 4708*1902*1660 and a wheelbase of 2865 mm.. The lines on the side of the car are smooth, showing an atmospheric and steady style. The front tread is 1653mm, the rear tread is 1657mm, the front tread is 235/60 R18 in tyre size, and the rear tread is also 235/60 R18 in tyre size. The car’s tire size and rim style are excellent, providing the driver with excellent handling performance and stability.

The interior design of Volvo XC60 is simple and elegant, with high-quality materials and fine craftsmanship, creating a luxurious and comfortable driving environment. The steering wheel is made of genuine leather, which makes it feel comfortable. At the same time, it supports manual adjustment up and down and back and forth, so that drivers can easily find the driving posture that suits them best. The central control screen has a size of 9 inches, supports the speech recognition control system, and can realize the control of multimedia, navigation, telephone and air conditioning functions. The front and rear rows are equipped with USB and Type-C interfaces, which is convenient for passengers to charge and connect devices. The seat is made of imitation leather. The front and rear adjustment, backrest adjustment, height adjustment and lumbar support are supported by the main and co-pilot seats. At the same time, it also has the functions of heating and electric seat memory. The rear seats support proportional tilting, providing passengers with more storage space. Generally speaking, the interior design of Volvo XC60 is both practical and comfortable, and it is a luxury SUV worthy of consideration.

The Volvo XC60 is powered by a 2.0T 250 HP L4 engine with a maximum power of 184 kW and a maximum torque of 350 N m.. This engine adopts advanced technology and has excellent performance and excellent fuel economy. At the same time, it is also equipped with an 8-speed automatic gearbox, which makes driving smoother and more comfortable. The outstanding performance of this engine provides Volvo XC60 with strong power and excellent acceleration performance, and also ensures the fuel economy and low emissions of the vehicle.

In the evaluation of the owner of car home, we saw her high praise for the design of Volvo XC60. As she said, the design of XC60 is very attractive, with dynamic appearance lines and a sense of stability and atmosphere. The streamlined design of the body gives people a delicate feeling, while the handling of details is also full of modernity. It can be said that the design of XC60 is very successful. In addition, XC60 has excellent performance and comfortable driving experience, plus luxurious interior and rich configuration, making it a very popular medium-sized SUV. If you are looking for a car that can meet the needs of daily commuting and weekend travel, Volvo XC60 is undoubtedly a good choice.

　　Differentiated Positioning, Characteristic Management, New Network Bank Practice Digital Technology inclusive finance

　　Chengdu, Sichuan News Network, March 12-The orderly landing and sustainable operation of inclusive finance are still the focus of attention of all parties. In this year’s "two sessions" government work report, Premier Li Keqiang clearly proposed to "reform and improve the financial service system, support financial institutions to expand their business in inclusive finance, and strive to solve the financing difficulties and expensive problems of small and micro enterprises."

　　At the press conference held on March 2, "CBRC defuses financial risks and leads the high-quality development of banking service economy", the head of the Urban Banking Department of CBRC fully affirmed the positive role played by private banks in lowering the financing threshold, reducing bank operating costs and customer costs, and broadening financing channels. He said that CBRC would guide private banks to adhere to differentiated market positioning and actively practice inclusive finance.

　　As the seventh private bank approved for construction in China, it is also the third internet bank in China and the first internet bank in the central and western regions. Since its opening in December 2016, Sichuan Xinwang Bank has adhered to the differentiated positioning of "mobile internet, inclusive compensation" and the characteristic operation of "digital inclusive and universal connection" with the help of scientific and technological means such as mobile internet, big data, cloud computing and artificial intelligence, and complemented the advantages of prime bank with the role of "complement".

　　The person in charge of the Urban Banking Department of the China Banking Regulatory Commission said at the press conference that all 17 private banks have been opened, and their business development is generally stable, with rapid growth of assets and liabilities, good profitability and low overall risk. It is worth mentioning that: "Private banks have bright spots in serving the people and many unexpected gains."

　　First, effectively lower the financing threshold. Private banks actively use technologies such as mobile internet and big data mining to help many customers who lack credit records and collateral to obtain credit support, effectively lowering the financing threshold.

　　The second is to innovate risk control means to achieve "speed up and reduce costs". Some private banks use digital risk control system to replace the traditional manual processing of banks, and realize automatic, batch and low-cost pipeline credit lending, which not only reduces the bank operating cost and customer financing cost, but also effectively reduces the time for loan customer application and bank review, and achieves the customer experience of "second-by-second loan and real-time loan".

　　The third is to enrich financial products and broaden financing channels. Some private banks have enriched credit products, improved credit processes and helped broaden financing channels in view of the financing needs and practical difficulties of different types of customers, effectively alleviating the problem that small and micro businesses are difficult to obtain financing due to the lack of collateral and business data.

　　Adhere to the positioning of the new network bank and focus on "digital inclusiveness"

　　As a pilot of the second batch of private banks, Sichuan Xinwang Bank was jointly established by New Hope Group, Xiaomi and Hongqi Chain. At the beginning of the approval, Xinwang Bank actively responded to the regulatory requirements, taking serving small and micro groups and supporting the real economy as its fundamental purpose, building big data risk control and financial technology as its core competence, focusing on deepening inclusive finance by digital means, and providing convenient and efficient financial services for 80% of small and micro groups that have not received perfect financial services.

　　In Xinwang Bank, users don’t need to go to outlets and submit paper materials. They can apply at any time and place for 7*24 hours with only one mobile phone, and apply for loans every second, lend in real time, and pay them back with the loan, which greatly improves the availability of financial products and effectively reduces the time and cost of applying for loans for users.

　　As of January 23, 2018, there were more than 10 million users of Xinwang Bank, covering 31 provinces, municipalities and more than 300 cities across the country, and users in remote areas of fourth-and fifth-tier cities such as Bazhong, Dazhou and Nanchong in Sichuan, as well as users in Beijing, Shanghai, Guangzhou, Shenzhen and Chengdu, who can obtain convenient and efficient financial services. Statistics show that nearly 30% of users have never enjoyed financial services and lacked credit records before applying for a loan from Xinwang Bank.

　　In terms of financing amount and service cycle, the credit products of Xinwang Bank also have the characteristics of small amount, high frequency, fragmentation and generalization. The minimum loan can be borrowed from 500 yuan, and the shortest loan can be borrowed for one day. By the end of 2017, the per capita loan amount of Xinwang Bank users was 3,300 yuan, and the average loan period was 75 days.

　　Financial technology injects new development momentum into banks.

　　In this year’s government work reports of the two sessions, scientific and technological innovation and innovation drive have also been mentioned many times. At present, technologies such as big data, cloud computing, artificial intelligence and blockchain have been deeply integrated with the financial industry. For a long time to come, financial technology will inject new development momentum into financial institutions.

　　As Liu Yonghao, member of Chinese People’s Political Consultative Conference and chairman of New Hope Group, said in the panel discussion of CPPCC, with the country’s reform and opening up and more and more open policies, private enterprises have advantages in the new economic fields represented by mobile Internet, big data and artificial intelligence.

　　In the field of new finance, as the first batch of banks that comprehensively use machine learning technology to make retail credit risk decisions, Xinwang Bank is driven by financial technology to continuously improve service efficiency and optimize user experience.

　　In the core risk control link, Xinwang Bank has independently developed an anti-fraud system, which comprehensively uses technologies and means such as face recognition, bio-probe, device fingerprint and associated network to control the anti-fraud risk. At present, it can complete the parallel execution of hundreds of rules under the current business volume, and can output results in milliseconds. By the end of 2017, the anti-fraud system effectively blocked 600,000 risk fraud attacks, ensuring the safe and smooth progress of business.

　　At the level of real-time credit decision-making, Xinwang Bank also uses artificial intelligence and machine learning algorithms to make real-time portraits, analysis and judgments of users. At present, 99.6% of the credit business has been approved by machines in the whole process, and only 0.4% of large credit and suspicious transactions need manual intervention, and the audit results can be output in 7 seconds at the earliest, which greatly improves the efficiency of credit approval and saves the operating costs of banks.

　　Under the support of financial technology, Xinwang Bank knows that it shoulders the responsibility and mission of "supporting the real economy, serving small and micro groups, and practicing inclusive finance", and will fully stimulate its dual genes of finance and Internet, adhere to differentiated positioning and characteristic operation, and rely on big data risk control and technology and finance capabilities to build a digital technology universal bank and practice digital technology inclusive finance.

　 　 Special feature of 1905 film network　Everyone has the right to pursue their dreams. On the way to pursue their dreams, they will meet different scenery and different people.

　 　 However, a piece of news that has occupied all major pages recently has made us wonder: What is the most important thing on the road of chasing dreams?

　 　 As you have guessed, what I want to talk about today is the kidnapping and murder of YINGYING ZHANG, a master of Peking University who went to the University of Illinois at Urbana-Champaign for exchange and study.

　 　 Before this vicious incident, this famous American university was the dream place of many China students and the American university with the largest number of foreign students in China.

Beautiful scenery of University of Illinois at Urbana-Champaign

　 　 For example, the well-known director Ang Lee graduated from the drama department of the University of Illinois at Urbana-Champaign with a bachelor’s degree, and his wife, Lin Huijia, has a doctorate in microbiology.

Ang Lee (first from right) graduated from the University of Illinois at Urbana-Champaign in 1980.

　 　 On the way of chasing dreams, especially for the overseas students who have just gone abroad, they may feel that kidnapping and perverting are far away from themselves, and they think that it will only happen in movies, but movies come from life, and many of these movies are based on real people.

　 　 Like a movie played by Yimei, it tells the story of a schizophrenic kidnapping three girls, which is based on a documentary novel.

　 　 Also based on the novel, it tells the story of a girl who was imprisoned in the basement looking for a chance to escape.

　 　 Of course, there is Brie Larson’s masterpiece, which is also based on the novel, and tells the story of a girl who was cheated by her neighbor and then imprisoned in a small room for seven years.

　 　 There is also a movie in which Hugh plays the villain for the first time, which is also based on a real kidnapping case in the United States in 2014, and tells the story of a China girl who returned to her family after being kidnapped in the United States for 12 years.

　 　 Let’s take the film "Split" as an example: three girls were kidnapped, and finally only one girl managed to escape — — The protagonist sister successfully escaped, in addition to the protagonist’s aura, but also calm and smart enough to know how to save herself in dangerous situations.

　 　 For example, if you want to play hardball, it’s definitely impossible. Whether it’s size or strength, the kidnappers must be taller than us. I don’t know how many orders of magnitude, so we must outwit them!

　 　 Since we want to outsmart ourselves, we should first calm down, analyze the surrounding environment and see what is good for us to escape, or try to be friends with the kidnappers like the heroine in Split, win their trust, and finally find an opportunity to escape.

　 　 Of course, this requirement for skill points is relatively high, so I suggest you do what you can … …

　 　 Although we can learn from the escape methods in movies, the best thing is to put an end to the danger and not give criminals a chance to fundamentally ensure their own safety.

　

　 　 Here it is, I will share some tips with my friends who are studying in the United States or are about to study in the United States. I hope everyone can be vigilant when studying in a foreign country. It is the best policy to be careful when you are a stranger abroad ~

　

　 　 First, about renting a house

　 　 Foreign universities don’t have fixed dormitories like domestic ones, so their security will be greatly reduced. When renting a house, the most important thing to consider is the surrounding security situation. As we all know, the distinction between the poor and the rich in the United States is quite obvious. Don’t put yourself in danger for the attractive rent!

　 　 If we can have several roommates walking together like Mia in the movie, the safety factor will be greatly improved!

　

　 　 Second, about public transportation

　 　 As a country on wheels, almost every household in the United States has a car, so who will take the bus? It’s nothing more than people who can’t afford a car, or whose driver’s license has been revoked. Moreover, in many parts of the United States, bus stations and subway stations have heating facilities, so there are also many homeless people, surrounded by such people. How high can the safety factor be?

　

　 　 In the movie starring Denzel Hayes Washington Jr., the kidnapper played by john Travolta hijacked the new york subway.

　 　 Third, about the campus

　 　 After all, many universities in the United States are open to the society, and the security will definitely be greatly reduced. In the dead of night, don’t let yourself fly on campus at will. If it is too late, you can ask the school police to take you home.

　

　 　 As Asians, especially China people, have become representatives of rich people abroad, when we go out, we should not take too much cash with us, but we should swipe our cards if we can, but we should not take a few tens of dollars with us. In case of robbery, giving him a few tens of dollars may save our lives!

　

　 　 Directed by gus van sant, the American film about the vicious shooting on campus is based on the shooting at Columbine Middle School in Denver, USA in 1999.

　 　 Fourth, about asking for help

　 　 If you really encounter an emergency or are intimidated and can’t call the police or ask for help, you can also try to call 911, ring twice and hang up. You can repeat it several times if the opportunity permits. Generally, the police patrolling nearby will rush to the scene to check the alarm phone that is connected and hung up like this according to the positioning information.

　 　 The movie starring "Team America" tells the story of how to trace the real murderer behind the scenes while keeping the phone connected.

　 　 Well, these are the tips for overseas students to study abroad safely. On the way to chasing dreams, dreams are important, but your own life is the most important!

　 　 Cherish life and stay away from danger; I wish you peace when studying abroad!

Fans who have paid attention to this season’s big Paris match should know that at the beginning of the season, everyone expected the new coach Garti to bring a different offensive rhythm to the team. Let Messi, Neymar and Mbappé feel different from Pochettino. But then everyone understood that Garti, who had been replaced, was a second-rate coach.

Originally, Garti wasn’t the coach that Barley wanted to invite last summer, but when Zidane didn’t come for many times, the season was about to start, so there was really no way to find a suitable candidate. Then please come out, Campos and Mbappé are more than any recognized coach Garti. Garti’s coaching ability was good in the first few games of the season, but as the season went on, everyone found that his coaching ability was not much better than Pochettino’s.

In this Ligue 1 match, when Barley drew with the opponent 1-1, the sideline shot was also given to coach Garti. The broadcast footage also captured Garti’s tactical board. You can clearly see that there is nothing on Garti’s tactical board except the names of his own players on the field. That is to say, Garti actually didn’t think of any tactics to help the team break the deadlock, but simply watched the game.

If this game was not the last moment, Mbappé relied on his own personal ability to complete the single-handed goal. Then Paris will encounter a draw again. It can be said that Garti’s coaching is really without tactics, and he simply relies on the big Paris stars to finish the crushing in the Ligue 1 competition. However, in a higher level of Champions League competition, it is difficult for Gabriel to win. I have to say that Mbappé trusted him wrongly, and he also delayed Messi’s peak.

Every year-end or holiday, Microsoft founder Bill Gates Bill Gates will continue their "book selection" in the traditional personal social media platforms, recommended books of the year list of books he had in mind for everyone.

Not long ago, Bill Gates once again to share with you the five books, compared with previous years of books, five book clear "Technology sense of" full, contains two great science fiction, and discuss the future development of technology books let us work together to preview it!

Klara and the Sun

– Kazuo Ishiguro

This is caused by

The Nobel Prize in Literature

Winner Kazuo Ishiguro newly published science fiction story takes place in a dystopian future,

It tells the story of the friendship between the generated artificial intelligence robot Clara with a sick little girl.

Gates Book Review – "

Power is not evil robot

Instead, they can serve as companions to accompany people. This book got me thinking, has a super intelligent robot lives will be like – we had them as a technology, or

More important things

. "

Project Hail Mary

– Andy Weir

Project Hail Mary from the "Mission to Mars" The Marsian author Andy Weir (Andy Weir) hand, and "Mission to Mars" This book also appeared in the 2020 Bill Gates

Summer reading list

superior. It tells the story of a high school science teacher awoke to find himself in another galaxy,

Also take up the task of lifting the earth crisis.

Gates Book Review – "The story is about how he uses science and engineering to

save the world

. This book is very interesting, I’ll read it all weekend. "

Hamnet

– Maggie O’Farrell

This year, Bill Gates is recommended only a single book

Historical novel

The author wrote it with a fictional way how sad tear a family, explain how Shakespeare was writing his sorrow into power.

Gates Book Review – "If you’re a fan of Shakespeare, you’ll love this touching novel,

It tells the story of Shakespeare’s personal life affect the creation of one of his most famous plays.

"

A

Thousand Brains: A New Theory of Intelligence

– Jeff Hawkins

From technology entrepreneurs Hawkins (Jeff Hawkins) this book

More superficial

Way to introduce the sophisticated mode of operation of the human cerebral cortex,

More imagination and provides clues for the future of machine learning and artificial intelligence.

Gates Book Review – "Hawkins identity may be best known for co-inventor of the PalmPilot, but he spent a few years time to study

Neuroscience and machine learning

The link between this book is the best introduction to his thought. "

The Code Breaker: Jennifer Doudna, Gene Editing, and the Future of the Human Race

– Walter Isaacson

It was awarded in 2020

Nobel Prize in Chemistry

Jennifer Doudna biography of the story,

She was "God scalpel said," the CRISPR gene editing technology has attracted attention.

Gates Book Review – "CRISPR gene editing system over the past decade

Coolest, perhaps most importantly,

One scientific breakthroughs. This book is about the Nobel laureate biochemist Jennifer Doudna and her colleagues is how to find it.

Author Isaacson nicely highlights the most important ethical issues in genetic editing.

"