Source: China People’s Bank, wind information Cartography: Cai Huawei.

　　Preventing and resolving major risks is one of the three major battles in the decisive period of building a well-off society in an all-round way. Financial security is not only related to the overall economic situation, but also closely related to people’s lives. Especially in recent years, various emerging financial platforms and products have emerged in an endless stream. While solving the "pain point" of demand, new technologies and new means have also brought some hidden risks. Many financial security problems are emerging from people and gradually accumulating and expanding.

　　Starting from me, everyone is the first gatekeeper of financial risks by understanding financial knowledge, enhancing risk prevention awareness and cultivating a rational view of wealth. Starting from today, this newspaper launched a series of reports "Rejecting the financial risks around us", focusing on three areas that are closely related to daily life but also need to be regulated — — Consumer loan market, payment industry and internet insurance, introduce new financial products, rationally analyze possible hidden risks, explore ways to resolve risks, and make people’s financial life safer and more satisfactory.

　　Convenient and quick, refueling for consumption.

　　From high-end furniture, jewelry and antiques to digital products, refrigerators and televisions, consumer loans have supported the rapid development of the retail consumer market.

　　"In August this year, the whole family was preparing to travel abroad. At that time, it was just in time to pay the English training fee for the children. It cost about 70,000 to 80,000. Unfortunately, at that time, the money was a little tight, so I thought I could borrow some money." Xing Hui, an employee of a state-owned enterprise in Nanjing, finally chose a bank consumer loan with lower interest rate after comparing the products of banks and Internet financial platforms.

　　Because it was only a short-term emergency, Xing Hui borrowed it for one month, with a quota of 50,000 yuan, and the interest rate was three ten thousandths per day, so the annual interest rate was about 10%. "Maybe it’s because I had a good credit in the bank before, and the loan approval was particularly fast. Apply on mobile banking, and after a few hours, 50,000 yuan will arrive. " Xing Hui said. After the repayment, the bank called to show the consumption details, and Xing Hui photographed the payment voucher and sent it, which passed smoothly.

　　But recently, loans have not been so "loose". "I want to apply for short-term consumer loans these days, and I found that the bank’s pre-loan review is strict, and the materials required are more specific. Bank staff said that it is necessary to strictly review the use of loans at all levels to apply for consumer loans now. " Xing Hui said.

　　In addition to banks, consumers can also obtain loans from consumer finance companies, e-commerce platforms, Internet staging platforms and small loan companies. More and more young people are beginning to try new ways of consumer loans.

　　Wen Nie just graduated from school of visual arts, Shanghai, majoring in photography. During his internship at the TV station, Wen Nie had a wish to photograph the natural beauty of his hometown Shennongjia with drones. After comparing prices on various e-commerce platforms, Vinnie finally chose to buy a DJI UAV in 24 phases on an e-commerce platform, just in time for the interest-free activities of the platform, and the repayment for each phase was only 225 yuan.

　　"At that time, I could get an internship salary of more than 2,000 yuan per month, and the repayment pressure was not great, so I didn’t need to reach out to my parents for money. Now, I am used to buying various electronic products by installment, such as mobile phones and computers that I use now, all of which are bought in this way. " Vinnie said.

　　In recent years, consumption has replaced investment as the first driving force of economic growth, which is inseparable from financial support. According to the data of the People’s Bank of China, this year is 1-mdash; In September, residents added 1.49 trillion yuan of short-term consumer loans, which was 1.79 times that of last year. Consumer finance showed explosive growth. From high-end furniture, jewelry and antiques to digital products, refrigerators and televisions, there are corresponding financial services and products in various consumer fields.

　　"Residential sector loans include mortgage loans and consumer loans. In recent years, the financing balance of the residential sector has risen rapidly. By the end of 2016, the balance of residential mortgage loans in China was about 20 trillion yuan, and the balance of consumer loans was only five or six trillion yuan. Mortgage loans were equivalent to about four times that of consumer loans. In mature markets such as the United States, the debt balance of the residential sector exceeds that of the enterprise sector, and the proportion of mortgage loans and consumer loans is equivalent in the financing balance of residents. It is conceivable that with the development and upgrading of the consumer market and financial products in the future, there is still a lot of room for growth in consumer loans. " Ceng Gang, director of the Banking Research Office of the Institute of Finance of China Academy of Social Sciences, said that if the growth rate of 20% is predicted, the scale of China’s consumer credit will exceed 12 trillion yuan by 2020.

　　The down payment is not enough, and consumer loans come together.

　　Due to the differences in customer groups and risk control capabilities, the proportion of consumer loans provided by various financial and non-financial institutions may be higher.

　　While boosting people’s consumption, there are also many problems in the consumer loan market, such as numerous participating institutions, mixed fish and dragons, lax examination of the qualifications of lenders, and inadequate supervision of the amount and use. Coupled with the irrational consumption and borrowing of borrowers, consumer loans are transformed into "down payment loans" and "investment loans", which breeds potential risks.

　　At the beginning of this year, Chen Jing, an employee of a cultural enterprise in Beijing, wanted to change the school district for her children. Suddenly, the purchase restriction policy was introduced intensively, and Chen Jing panicked, fearing that the subsequent cost of buying a house would be higher and higher. The seller who talked about it also felt that he could not wait any longer, for fear that the house price would fall. Together, the two families decided to pay a quarter of the total price of the house as a down payment, and passed the house first.

　　I haven’t sold my house, and I have to pay millions of yuan for it. Where did so much money come from? Chen Jing pieced together several million yuan, and the remaining fund gap can only be solved by loans. "At that time, it was more convenient to apply for a loan from the bank. The bank saw that my previous credit record was relatively good, and quickly gave me a credit loan. The money was directly transferred to the account, and then I could control it freely. As long as the repayment can be made on time, the bank should not be too concerned about how to use the money. " Chen Jing said that the interest rate is acceptable, which is about 30% higher than the benchmark interest rate. "Now the mortgage has not been fully completed. When the mortgage and credit loan are paid together, the pressure is still not small, and it will cost about 40,000 yuan a month."

　　Chen Jing learned that in addition to this kind of loans directly transferred to the borrower’s account, some banks’ loans give the borrower a spending limit, which requires actual consumption behavior before they can be used. But this is not without a "flexible" approach, you can find a merchant to cash out, as long as you pay a certain handling fee.

　　"Now bank loans are much stricter, and it is difficult to get a maximum loan of 1 million yuan, which is basically about 300,000 yuan, and the interest rate has also risen a lot. Asked a few months ago, it is basically at least 40%. " Chen Jing learned that recently, it began to strictly investigate the flow of consumer loans, cracked down on down payment loans, and banks strictly controlled the misappropriation of personal consumer loans to purchase houses.

　　Looking at the unclear flow of consumer loans, we can’t just stare at banks. "There are also various types of financial and non-financial institutions that provide consumer loans, and there is also the possibility of entering the property market, and the proportion is higher. This year, the special rectification of Internet finance continued, and the number of platforms in peer-to-peer lending decreased, but the trading volume of platforms increased. The data shows that in the first half of the year, the national online loan turnover reached 1.93 trillion yuan, a year-on-year increase of 72.81%. At the same time, the loan balance of small loan companies reached 960.8 billion yuan in the first half of the year, an increase of 31.3 billion yuan over the beginning of the year, which was the first time in the past three years. Online lending platforms and small loan companies do not monitor the flow of funds, and the possibility of misappropriation of funds is high. There are also a few platforms and intermediaries that directly provide loan support for the down payment of house purchases. " Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, said.

　　Different customer groups and different risk control capabilities also make risks more concentrated in the field of consumer loans outside banks. "Different consumer platforms serve different people and face different risks. The customers served by commercial banks have stable income, good credit records, rational consumption concepts and relatively controllable risks. And serving students, migrant workers, blue-collar workers, etc. ‘ Long tail crowd ’ The risk of consumer finance platform will be higher. Under normal circumstances, the platform’s risk control ability is insufficient, and the consumption scene is missing. It will choose to cover high risks with too high interest rates. The consequences of this will breed circular risks, causing long-term borrowing, borrowing new and returning old, and inappropriate collection methods. " He Fei, a senior researcher at the Development Research Department of Bank of Communications, analyzed.

　　Fill the gap and protect consumers.

　　Some platforms have insufficient information disclosure, and the interest rate is not high, but when all kinds of expenses are added up, the comprehensive cost is very high.

　　The risk can’t be underestimated, but the turbidity current is not mainstream. Risk trigger points such as loan misappropriation and excessive borrowing are not the main reasons for the rapid growth of consumer loans.

　　"The real reason for promoting the growth of residents’ short-term consumer credit scale is that in the process of consumption upgrading, the credit demand space of retail customers is gradually opened. With the rising income level of residents and the improvement of consumption and payment technology, people’s demand for consumer financial products will become stronger and stronger, and the consumer loan market and the retail market complement each other and promote each other. " Ceng Gang said, of course, we should also pay attention to the possible impact of excessive leverage in the residential sector.

　　The "melee" between financial institutions and non-financial institutions should be changed, and all kinds of institutions engaged in consumer loan business should be strengthened in supervision, and unified regulatory standards and requirements should be applied without discrimination.

　　"The sources of lending funds for many platforms are unclear and there is a risk of long-term lending, which implies that the flow of funds between platforms is quite frequent. Supervision must first find out the source of funds for platforms. Secondly, it is necessary to conduct in-depth investigation on the customer acquisition method, risk control and scenario expansion of a single platform, and eliminate and clean up a number of informal consumer finance platforms. And check the legality of all subjects in the consumer loan ecological chain, including the consumer loan platform itself, the Internet giants and other diversion platforms, personal credit reporting pilot institutions, third-party collection agencies, third-party data providers, etc., and severely crack down on interest collusion and illegal interest transfer. " He Fei said that we can learn from some foreign experiences, strengthen supervision, and strengthen legislation and market access mechanisms. In particular, it focuses on the access standard, licensed operation, interest rate ceiling setting, loan use limitation, platform exit mode, etc.

　　There must be comprehensive and perfect consumer protection laws and regulations. Ceng Gang introduced that in mature markets such as the United States, institutions engaged in consumer credit have higher entry barriers, and the regulatory rules concerning retail business are more stringent than those concerning public business. These countries think that the customers of retail business are less able to identify risks than companies and need protection more. On the contrary, the consumer credit market has developed relatively late and its scale is not large. Before, it focused more on protecting the interests of financial institutions and neglected the protection of lenders. In the future, with the continuous development of the consumer loan market and more and more people involved, it is even more necessary to fill the gap and escort everyone’s financial life with regulations.

　　"Now some platforms have insufficient information disclosure. The interest rate mentioned is not high, but when all kinds of expenses are added together, the comprehensive expenses are very high. " Ceng Gang said that some platforms use this way to induce consumers to borrow excessively, without making borrowers fully aware of the troubles and consequences that high interest rates may bring to themselves. In particular, minors, or students who are not deeply involved in the world, have a vague understanding of risks and are more likely to over-consume and over-borrow.

　　In the long run, we should speed up the construction of an honest society and improve the personal credit information system. He Fei said that at present, the construction of China’s credit system is still difficult to support the rapid development of the credit society, and the personal credit information system lags behind the development of credit, which leaves a loophole for illegal platforms. The regulatory authorities should cooperate with public departments, formal financial institutions, licensed consumer finance companies, large-scale Internet platforms, personal credit reporting pilot institutions, large-scale data companies, etc. to jointly promote data information sharing and market-oriented credit reporting system construction and support the development of consumer credit business.

　　For individual residents, they should borrow reasonably and control leverage according to their own economic ability. Dong Ximiao said that in general, the monthly repayment expenditure should be controlled below half of the household income, and it is best not to exceed one third.

　　Consumer finance company’s products have small single credit line and fast approval; Internet consumer finance embeds consumption scenes.

　　Where can I apply for a consumer loan? (Extended reading)

　　At present, the institutions engaged in consumer finance business in the market can be roughly divided into four categories: commercial banks, consumer finance companies approved by the China Banking Regulatory Commission, Internet consumer finance, including e-commerce platforms and Internet staging platforms, and other institutions such as small loan companies.

　　commercial bank

　　Commercial banks engage in consumer finance mainly through the following three forms: first, holding or participating in consumer finance companies; The second is to cooperate with various e-commerce platforms to realize the extension of consumption scenarios. The third is to independently launch credit products and build an e-commerce platform. Commercial banks have a huge customer base and massive user consumption data, so they can provide diversified innovative credit products through the analysis of customers’ consumption habits and credit ratings.

　　consumer finance company

　　Consumer finance companies are positioned as a supplement to traditional banks, mainly targeting low-and middle-income groups and emerging customer groups. Compared with banks, it has unique advantages and competitiveness because of its small single credit line, fast approval, no mortgage guarantee and flexible service.

　　The current business models of consumer finance companies can be divided into three categories. One is mainly based on offline channels; A main online and offline e-commerce model; There is also a category that positions itself as an Internet finance company.

　　Internet consumer finance

　　With the popularity of the Internet, the combination of the Internet and consumer finance is closer, and all aspects of traditional consumer finance activities have realized electronization, networking and informationization, greatly improving the efficiency of consumer finance. Compared with traditional consumer finance, Internet consumer finance has distinct characteristics: massive data support, enhanced user experience, and the embedding and penetration of consumer scenes to make up for the lack of traditional consumer finance in the segmentation field.

　　According to the report released by the National Finance and Development Laboratory, Internet consumer finance includes the following representative modes: one is the consumer finance of e-commerce platform, represented by Ant Financial, Jingdong Finance and Suning Finance; One is Internet consumer finance in market segments; One is the main installment shopping Internet consumer finance platform; One is the platform that focuses on mobile credit.

　　Other institutions

　　There are also some microfinance companies involved in consumer finance. Take AEON Group as an example, its microfinance company in Shenyang provides customers with installment payment services for durable consumer goods such as household appliances and furniture, which can achieve 30-minute approval, fixed monthly repayment, and no need for credit card or mortgage guarantee.

　　(Ouyang Jie, Song Chao Chai Jin finishing)

　　This time may be the most unpleasant New Year’s Eve for Mr. and Mrs. Zhu. On the afternoon of December 31st, last year, he went from Qingbaijiang to Chengdu Second Ring Expressway and got off at Guanghan North Toll Station of Chengmian Expressway. What puzzled him was that the toll was actually 37 yuan. "Second round is not free? How is the toll booth collecting my money? "

　　After discovering that there was a problem, Mr. Zhu refused to pay the toll. The couple stayed at Guanghan North Station for more than an hour, put the car at the toll booth and took a taxi to leave, only to pick up the car one day later. Mr. Zhu therefore asked the toll booth to apologize and compensate for the losses.

　　In this regard, the staff of Sichuan Chengmian Expressway Company said that the system problem led to overcharge, not that the toll station wanted to deliberately overcharge.

　　Second, I ran around for 14 kilometers to collect 34 yuan?

　　On the same day, after seeing "37 yuan" on the pricing display screen of Guanghan North Toll Station, Mr. Zhu couldn’t believe it: "A lot? That’s right. We didn’t collect any money when we came here by Jianyang (Second Ring Road) in the morning. We came here from the second ring road on Jintang Station in Qingbaijiang Chengxiang, and it’s impossible. " Mr. Zhu couldn’t help protesting.

　　In the video of driving recorder provided by Mr. Zhu to reporters afterwards, a woman who talked with Mr. Zhu responded: "Erhuan is now collecting money."

　　37 yuan’s toll, Mr. Zhu’s calculation is not correct: "Take the second round on the Qingbaijiang Castle, run to Chengdu-Mianyang Expressway, up to 14 kilometers, and Chengdu-Mianyang is 10 kilometers north of Guanghan. Then the 10 kilometers will be charged to 3 yuan, and the 14 kilometers around the second round will be as high as 34 yuan?"

　　Mr. Zhu called the complaint telephone number of Guanghan North Toll Station of Chengdu-Mianyang Expressway and the high-speed traffic police alarm telephone number 12122. "The former told me that there would be expenses for the second round. However, the staff of 12122 told us that there is no charge for the second round (currently), and we only need to pay the cost of the cotton section. " Mr. Zhu recalled. Chengdu Business Daily reporter inquired that according to relevant policies, the entire second ring road is temporarily free of charge.

　　Toll station call: System problems should only be given to 3 yuan.

　　"At that time, the toll booth staff at that place couldn’t solve it and refused to provide the leadership phone." Mr. Zhu called Sichuan Chengmian Expressway Company. "The company said they didn’t know, and told me to leave my phone number and wait for a reply. I waited for an hour and didn’t reply." During this period, Mr. Zhu said that he had asked the toll collectors if there was a similar situation before. "The staff told us that we had collected so many cars, so you had questions, and everything else was collected and left." Mr. Zhu said.

　　"After 7 o’clock, we didn’t get any reply, and no one told us to park next to it for processing. The family urged to go home for dinner, and the 110 alarm could not be handled. The police said that they couldn’t wait to lock the car and leave, so we parked the car at the toll gate and took a taxi home. " Ms. Peng recalled.

　　Mr. and Mrs. Zhu finally put the car at the toll booth and took 150 yuan to take a taxi home. Ms. Peng said that after returning home, at about 8 pm, the toll booth called and said that there was something wrong with their system. "It should only be given to 3 yuan. Let’s go and pay the toll and move the car." My home is about 40 kilometers away from the toll booth. "There were no cars that night, and they were asked to drive to pick us up, but they refused."

　　On the afternoon of January 1st, Mr. Zhu and his wife went to Guanghan North Toll Station again. "A staff member at the toll booth verbally apologized and asked me to pay the toll before leaving. I asked them to provide two free documents, and they were vague. "

　　On the same day, after paying 3 yuan the toll, Mr. Zhu and his wife drove home. "We are individuals, and we can’t afford this lost time, so we have to drive back reluctantly." Two trips back and forth, two days’ delay, the taxi fare alone cost 270 yuan, not counting the lost time. Mr. and Mrs. Zhu believe that the toll station should publicly apologize and compensate. (Reporter Yan Xue)

　　Chengmian Expressway: No similar situation has occurred before.

　　Yesterday afternoon, the Chengdu Business Daily reporter contacted Sichuan Chengmian Expressway Company. A staff member told the reporter that he did receive Mr. Zhu’s report about 37 yuan’s toll. "Because the Second Ring Road was just opened, it was indeed because the toll collection system was not updated before. So this happened. It was a system problem rather than a toll station deliberately wanting to collect more money." The staff also said that things have basically been solved, and she stressed: "This has definitely not happened before Mr. Zhu."

　　Yesterday, the reporter tried to contact the relevant person in charge of the company, but as of press time, he did not get a reply.

　　Cctv newsAccording to WeChat WeChat official account of Beijing Center for Disease Control and Prevention, on May 1 this year, we will have a five-day holiday! This also means that we will face high travel! Peak! Period!

　　At present, the epidemic situation in COVID-19 is still prevalent in different degrees in different parts of the world. The epidemic situation in our city and the whole country is sporadic, but Covid-19 has not disappeared, and its spread among people still persists. At the same time, some areas are also popular with infectious diseases such as influenza and dengue fever.

　　During the May Day holiday, the mobility of people increases. The more crowded the place, the more you can’t ignore health protection!

　　01

　　Go out to play and plan your trip in advance.

　　1 Go out to play and plan your trip in advance, make an appointment and travel at the wrong peak; Pay attention to the travel tips of relevant professional departments and understand the epidemic situation of diseases in destination countries and regions.

　　If you feel unwell, especially the elderly, pregnant women and special people with chronic diseases, it is recommended to ask a professional doctor to evaluate your health before deciding whether to travel.

　　3 If go on road trip needs to make a good travel strategy in advance to avoid fatigue driving.

　　02

　　Attention to personal hygiene

　　1. Develop good personal hygiene habits; Observe cough etiquette, pay attention to hand hygiene, pay attention to weather changes, and increase or decrease clothes at any time; In case of bad weather, try to reduce travel.

　　It is suggested that the elderly, infirm people and children should pay more attention to personal protection and try to avoid crowded and polluted places.

　　03

　　Wear a mask scientifically

　　1 situations or scenes where masks should be worn:

　　★ During the positive period of novel coronavirus antigen or nucleic acid detection.

　　★ During the period when fever, sore throat, cough, runny nose, muscle aches, fatigue and other suspected novel coronavirus infection symptoms appear.

　　★ When a cluster epidemic occurs in the community or school where you live, work or study.

　　★ When going to a medical institution for treatment, accompanying, accompanying or visiting.

　　★ When migrants enter places where vulnerable people are concentrated, such as pension institutions and social welfare institutions.

　　★ During the working period of public service personnel such as medical care, catering, cleaning and security in key institutions such as pension institutions, social welfare institutions and child care institutions, schools and off-campus training institutions.

　　2 When taking public transport, it is recommended to wear a mask when entering a closed environment and crowded places.

　　04

　　Pay attention to food safety when going out.

　　1 Be careful when eating during the journey, pay attention to food hygiene and drinking water hygiene, and don’t drink raw water. You should eat in a regular restaurant with a food business license. Advocate healthy lifestyles such as "public spoons and chopsticks" and "separate meals".

　　2 it is best to carry food with sealed packaging when dining outdoors; After opening the package, the food should be eaten as soon as possible, and do not eat foods and drinks that are spoiled and exceed the shelf life.

　　3 Do not pick and eat wild mushrooms and wild plants.

　　05

　　Take precautions to avoid mosquito bites

　　Attention should be paid to preventing insect bites and insect-borne infectious diseases during travel. Try to avoid sitting and lying for a long time in the main habitats of insects, such as grassland and Woods.

　　If you need to enter, you should pay attention to personal protection and wear long-sleeved clothes; Tighten your trouser legs or stuff them into socks or shoes.

　　06

　　Avoid close contact with animals.

　　Do not provoke strange pets such as stray dogs. Once bitten, you should go to the designated rabies vaccination clinic to thoroughly clean and disinfect the wound, vaccinate and inject anti-rabies immunoglobulin if necessary.

　　2 Try to avoid entering the habitat of wild birds and contact with dead livestock.

　　07

　　If you feel unwell, seek medical advice in time.

　　Pay close attention to symptoms such as fever, cough, diarrhea and rash, and go to a regular hospital in time when the symptoms get worse.

　　When seeing a doctor, wear a mask and tell the doctor about his travel history to help the doctor diagnose.

　　Tips

　　Different groups of people in our city

　　There is still a gap in the level of immunization in Covid-19.

　　In the previous epidemic, people who have not been infected and have not completed COVID-19 vaccine immunization still need to be vaccinated to improve their protection.

　　Studies at home and abroad show that three or more times of antigen stimulation, including virus infection, will produce better protective effect.

　　The protective antibody in human body decays with time. In order to improve the population’s group immunity to Covid-19 and fill the gap of immunity level among different populations, the following personnel need to be vaccinated with COVID-19 vaccine.

　　COVID-19 vaccination sites in all districts of Beijing can go to official website of Beijing CDC to check the information publicity of COVID-19 vaccination sites in all districts.

　　What is fresh in April? One of the five flavors, fish and sheep are fresh? Salty, savory, light and fresh? For a long time, umami has only been meaningful but unspeakable!

　　Haiyang team

　　Shrimp, crab and shellfish, seaweed and kelp, etc.

　　Seafood season is coming soon, and the word "delicious" is the most appropriate to describe seafood.

　　Amino acids, nucleotides and organic acids are the three main substances that give seafood flavor. For example, free glutamic acid in kelp is the highest known food, which is a typical flavor amino acid and one of the umami sources of shellfish, fish, shrimp, crab and other seafood.

　　In addition, aspartic acid is also a fresh amino acid. More than 30 kinds of nucleotide flavor substances have been found, with 5′- inosinic acid, 5′- guanylic acid and 5′- adenylic acid as the representatives. Organic acids are mainly succinic acid and its sodium salt, which are abundant in marine shellfish.

　　"Eating seafood has three realms: one is fresh, the other is fat, and the third is sweet." Keep the umami taste and eat fresh seafood, so that more umami substances will be preserved. Moreover, it is necessary to "cook lightly" without too much seasoning modification, and it is best to steam or cook directly, while the practice of spicy frying and braising in soy sauce destroys the umami flavor.

　　Recommended dish: Steamed eggs with clam.

　　Li Chunjing, a national senior Chinese cook and nutritionist, said: The protein content of clam is high, and the composition and proportion of amino acids are reasonable; Low fat content, high unsaturated fatty acids, easy to be digested and absorbed by human body, as well as various vitamins, calcium, magnesium, iron, zinc and other essential trace elements.

　　There are many ways to eat clam, such as cooking, cold salad, stir-frying and stuffing, but if it is paired with eggs, steamed cooked food is fresh food with easy absorption of nutrients.

　　Soak the clam in light salt water in advance to spit out the sediment, brush the shell with a brush, blanch it in a boiling water pot until the shell opens, and take it out and drain it. Take the tip and shell parts with scissors, and discard the rest. After the eggs are broken and scattered, sieve to remove the foam from the egg liquid. Add boiled water (or warm water) which is twice the volume of egg liquid. Add clam meat, stir well, cover with plastic wrap, prick a few small holes with a toothpick, steam with cold water in a steamer for 10-15 minutes, then pour sesame oil, light soy sauce and sprinkle chopped chives according to the population.

　　Excellent members of processing team: air-dried ham, cheese, etc.

　　It is not convenient to buy fresh and delicious food. Try air-dried ham and cheese that can be stored for a long time. These processed foods are more appropriately described as "salty and fresh".

　　Why do you say that? Because these foods are added with salt during processing, salt endows ham with flavor, and at the same time, it is also a fresh-keeping agent for glutamic acid flavor. For example, the pH value of Jinhua ham often eaten makes glutamic acid exist in the form of glutamic acid-sodium with the strongest flavor, and lactic acid and aspartic acid are also the flavor substances, which are suitable for frying some light dishes.

　　The same is true for cheese. Milk is rich in amino acids. After concentration, amino acids are also concentrated and have a strong flavor, and processed cheese will be added with salt to make it more delicious.

　　Cooking with umami food has another advantage, that is, it can reduce salinity and inhibit bitterness, and adding sodium glutamate and 5′- nucleotide into food can make food have the taste of meat and enhance the original flavor of food. However, although this kind of food tastes fresh, it is high in salt, so we should pay attention to the intake.

　　Recommended dish: Fried ham with green pepper.

　　Nutritionist Xu Minglei: Salty ham has a high salt content and may contain nitrite. I suggest matching it with fresh vegetables rich in vitamin C, such as green pepper, cucumber, cabbage, rape and spinach, or eating more fruits rich in vitamin C after meals, such as apples, strawberries, kiwis and oranges. Vitamin C can block the combination of nitrite and amine, and reduce the harm of carcinogens to the body. Broccoli contains isothiohydrogen salt, which has a certain anti-cancer effect and is also a good match.

　　It is recommended to use cooking and frying as the cooking method. Do not use high-temperature frying. Do not eat more than 100 grams each time, and eat once a week.

　　Excellent members of the land team: mushrooms and bamboo shoots

　　April is also the season for eating bamboo shoots, and its delicious taste is not bad. For example, the umami amino acids in asparagus contain aspartic acid, glutamic acid, alanine and glycine, and their contents determine the delicacy of food. The umami amino acids in tender tip, tender stem and old stem account for 44.40%, 57.10% and 56.30% of the total amount of 18 amino acids respectively, and the composition ratio is relatively high. Compared with the three parts, the umami taste of asparagus is slightly worse.

　　Not only asparagus, bamboo shoots as seasonal food, but also a strong flavor, don’t miss it.

　　Mushrooms have the strongest freshness among edible fungi, mainly because they contain more nucleotide substances, among which guanylic acid is the most abundant. Its umami flavor is not only related to its umami amino acids, nucleotides and carbohydrates, but also closely related to its unsaturated fatty acids, some vitamins, sodium and potassium ions and organic acids, which interact with each other and present a unique delicious taste.

　　Especially dried mushrooms, it is best to stew in soup, and don’t pour out the water soaked in mushrooms. Add it to the stew or soup, and add it fresh.

　　Recommended dish: salted fresh

　　Nutritionist Mei Still: Salted fresh is a very seasonal food in Jiangsu and Zhejiang provinces. These three words have their own meanings. "Pickled" refers to salted pork, "fresh" refers to fresh pork, and "DuDu" is a Wu dialect, which means "stewed". Its soup is thick with white juice, the meat is crisp and fat, the bamboo shoots are fragrant and crisp, and the flavor is strong.

　　Nowadays, this dish has been improved a lot. In addition to fresh meat, pork chops, pork trotters can also be used as ingredients, accompanied by venetian knots, fresh shrimps, etc. No matter what auxiliary materials are added, salted, fresh and preserved meat are indispensable, and bacon is a very special ingredient. The unique flavor is mixed with the fresh meat, and the unique delicacy of bamboo shoots makes this pickled and preserved thick soup.

　　200 grams of bamboo shoots are peeled and cut into pieces, 300 grams of pork with pork belly is washed and cut into pieces, and 200 grams of bacon is washed and sliced. Put clear water in the pot, blanch bamboo shoots, put clear water in the pot, blanch pork and bacon, add clear water, pork and bacon in the casserole, boil it with strong fire, add wine, onion and ginger, simmer slowly until the meat is half-cooked, then add bamboo shoots and shrimps until it is cooked, skim off the floating foam, remove onion and ginger, and transfer. (Qiao Jingfang finishing)

　　For human beings, love is an endless topic. What is love? Everyone may have different opinions, but there is no denying that true love is a power to make people better.

　　Speaking of cars, people subconsciously think of cold steel and hard-core industries. Euler, a new energy car that loves women more, is committed to being a romantic alien in this industrial world and deeply rooted "love" in the brand gene.

　　On August 20th, Euler Auto "Better for Love", together with many online and offline users, witnessed the launch of the 400,000th complete car of Euler, and the latest achievement created by the brand and users, the 2023 Good Cat & Good Cat GT Mulan Edition, was also listed at the same time, with a limited cash benefit of 129,800! On the same day, it coincided with the fifth anniversary of Euler’s founding. Euler, who grew up with users, not only invited users to visit the park, punch cards and interact, but also linked online users with 8 hours of live broadcast activities to witness the important moment of the brand and share a feast of love.

　　400,000 love, condensed in a moment: Euler’s 400,000 th car rolled off the assembly line.

　　Euler has always regarded users as the first driving force for brand growth. Brands talk to global users with love as the world language, and carry forward the power of "more love" with practical actions.

　　Because of "more love", it is loved, and Euler Auto has gained the love of more and more users. In this activity, Euler welcomed the 400,000 th vehicle off the assembly line, and connected directly to Great Wall Motor Taizhou Smart Factory to witness this special Euler good cat driving out of the factory with users. Taizhou factory is the eighth largest vehicle production base built by Great Wall Motor in China and the strategic core of East China market, and is regarded as the "intelligent new engine" of Great Wall Motor’s new energy strategy. Relying on such a high-standard production system layout, Euler continues to provide users with high-quality and high-value automobile products. The automobile products under the brand have fully covered the A0-class to B-class market, which not only created a new category of women’s automobiles, but also gave them a new definition from a new perspective, creating more big items with a better life for women to travel.

　　Perhaps, the weight of love can’t be calculated by numbers, but Euler walks with 400,000 gentle forces with sincerity. In order to break the prejudice of cars against female consumers, Euler broke away from convention and became the first car brand in the world to clearly support women, focusing on the women’s car track. To this end, the Euler brand redefined the women’s track with technology and created the world’s first 1080 women’s safety architecture — — Warm technology makes "female car" not only a marketing amulet, but also a technical moat.

　　Because of love, Euler saw the bloom of "genius mother"; Because of love, Euler joined hands with women to run the marathon of life; Because of love, Euler is willing to bend over to be the stage … … Euler firmly stands with women and works with users to build a feminine charm culture, witnessing the vitality, elegance, courage and exquisiteness of contemporary women, so that every bloom has strength. In Euler’s user base, the repurchase rate exceeds 26%, the referral rate exceeds 31%, and the proportion of female users exceeds 75%. The brand is deeply recognized and affirmed by the majority of users. At the same time, today’s Euler has already gone abroad, heading for 87 countries and regions around the world, talking to users around the world with love as the world language, and letting the world see the power of tenderness.

　　As the leader of the new track for women’s cars, Euler has no fear of becoming a "lone warrior" in the industry. The brand was born in wonder, but also grew up in doubt and created new miracles, which made people see that in the world of cars, there are not only hardcore, parameters and competition, but also tenderness, delicacy and love. The 400,000th vehicle rolled off the assembly line, which means that the Euler brand will soon have 40 copies of support from users. There are 8 billion people in the world, and 400,000 of the 8 billion people may be small, but it is the love from users that makes the Euler brand more emboldened and more confident.

　　For the sake of love, the 2023 Good Cat & Good Cat GT Mulan Edition was launched with a limited time cash benefit of 20,000 yuan.

　　As early as this year’s Shanghai Auto Show, the Euler brand started the recruitment of "Good Cat Co-creation Officer" and received many valuable suggestions from users in the past four months. The newly listed 2023 Euler Good Cat and Euler Good Cat GT Mulan Edition are the latest achievements created by Euler and users, and they are also the witness of Euler’s love with users.

　　Relying on the forest ecological R&D system of Great Wall Motor, Good Cat and Good Cat GT are equipped with the high-performance permanent magnet synchronous motor developed by Great Wall Motor, which is stronger, faster and quieter. While continuing the high quality of "Three Good" cats, the performance of the new car has been improved in an all-round way. It can achieve the maximum power of 135kW and the peak torque of 232N·m, and the acceleration of 0-50km/h takes only 3.5s, which is faster, more energetic and more powerful in the middle section, making it easier for both high-speed driving and urban commuting. At the same time, its maximum climbing degree is increased by 9% to 38%, and it can be more comfortable to go uphill and downhill, so it is possible to travel more when unlocking. Combined with user feedback, the new car has achieved better NVH performance, and can have better quietness when sitting in the car, bringing users a more comfortable and pleasant driving experience.

　　In addition, Euler brand pays attention to young people’s love for exquisite camping. Both Good Cat and Good Cat GT are equipped with V2L external discharge function, and the discharge power can reach 3.3 kW. In the wild, it is easy to use coffee machines, induction cookers, even projectors and other plug-in devices to easily meet the electricity demand of a family camping. Imagine that you can sit around with friends and family under the stars, watch a movie, enjoy a concert, or pick up a long-lost electric guitar and "roar" with your companions, from the city to the countryside, from high-rise buildings to castle peak, just by 2 hours’ drive.

　　In order to better give back to users, Euler brand has launched a cash discount of 20,000 yuan and free installation of charging piles for Good Cat and Good Cat GT! The 2023 Euler Good Cat 401km honorable model, the national suggested retail price is 149,800 yuan, and the price is 129,800 yuan after limited time; The 2023 Euler Good Cat 501km honorable model, the national suggested retail price is 165,800 yuan, and the price is 145,800 yuan after limited time; The 2023 Euler Good Cat GT Mulan Edition is a 401km honorable model, with a suggested retail price of 153,800 yuan nationwide and a price of 133,800 yuan after limited time. At the same time, the subscription users of Good Cat Honor can enjoy the external discharge function of V2L worth 2999 yuan for free; The good cat GT with V2L function has come standard, and you can also choose the intelligent assisted driving optional package at a 50% discount price!

　　Users are always Euler’s precious wealth and the source of power to support Euler’s continuous progress. Insisting on joining hands with users and "creating for love" also makes Euler’s products better and better. Better understanding of the user’s product strength upgrade, more people-friendly prices, and greater concessions are the most authentic feedback from Euler to users.

　　From the past to the present, from 0 to 400,000, Euler has been practicing the promise of "more love" with practical actions. Euler brand regards love as a long-term cause and sincerely pays tribute to trust. In the future, Euler will also continue to walk with users, work hard for dreams and career together, and work with thousands of "her" in Qian Qian to love and be better. (Photo: Provided by Great Wall Euler)

　　Red Net News April 28th(Reporter Wang Heng He Qing Photography Li Changhong Xu Shijie Li Saifeng) The new era calls for new actions and a new journey to write a new chapter. In order to welcome the 20th Party Congress, on the morning of April 28th, the 2022 "Praise China" online comment contest with the theme of "New Era, New Journey and New Youth" was officially launched in Changsha, Hunan Province, and entries were collected for the whole country.

　　The event was jointly sponsored by the Network Communication Bureau of the Central Network Information Office, the Network Social Work Bureau of the Central Network Information Office, the Ideological and Political Work Department of the Ministry of Education, and the Propaganda Department of the Communist Youth League Central Committee. It was hosted by the Network Information Office of Hunan Provincial Party Committee and implemented by Hunan Hongwang New Media Group. The purpose of the activity is to further promote the high-quality development of online comments, vigorously carry forward the main theme of the times, spread the positive energy of the network, lead the majority of netizens to share the same fate with the motherland, and further unite the majestic power of unity and forge ahead, so as to create a good online public opinion atmosphere for the party’s twentieth victory.

　　Yang Haodong, member of the Standing Committee of Hunan Provincial Party Committee and Minister of Propaganda Department of Hunan Provincial Party Committee, announced the official launch of the contest.

　　According to the organizer of the contest, online comments are an important part of Internet content construction, which is related to the clear cyberspace. It is necessary to strengthen ideological guidance and guide the public opinion to the ballast stone; Focus on rallying people’s hearts and draw concentric circles of struggle and forge ahead; Sharpen patriotic feelings and sublimate the new "sound" state of patriotic expression; Adhere to integrity and innovation, and create a new hotspot for creative expression. It is necessary to inspire and guide young people with great achievements in the new era, and give play to the communication advantages of new media to attract and unite young people. It is expected that netizens will actively participate in the contest, eulogize the times and cheer for the people.

　　The contest welcomes the participation of the vast number of online commentators, especially young authors, and looks forward to launching a large number of masterpieces and discovering and cultivating more outstanding online commentators.

　　The collection scope of the contest works includes online commentary works that meet the requirements of the contest collection and have not been publicly released, and online commentary works that have been publicly released on various websites and platforms in China from August 1, 2021 to June 30, 2022. Individuals can participate in the competition independently, or they can be recommended by party and government organs, enterprises and institutions, media websites and social organizations. After the collection of works, expert judges will be organized to carry out multiple rounds of evaluation, and 100 outstanding works, 300 finalists and 30 outstanding organizational units will be selected from the entries.

　　At the launching ceremony, responsible comrades of the Network Communication Bureau of the Central Network Information Office, the Department of Ideological and Political Work of the Ministry of Education, and representatives of relevant experts and commentators delivered speeches by video. Responsible comrades of relevant departments in Hunan Province and representatives from the media attended the launching ceremony.

　　According to the activity arrangement, April 28th to June 30th, 2022 is the time for collecting works, and the contestants and units can submit their works through official channels such as official website (https://hpzg.rednet.cn).

　　[News link]

　　New era, new journey, new youth

　　2022 "Praise China" Online Comment Contest Solicitation Announcement

　　In order to effectively promote the high-quality development of online reviews, vigorously carry forward the main theme of the times, spread the positive energy of the network, and more unite the majestic power of forging ahead, the 2022 "Praise China" online review contest was officially launched, and now the entries are collected for the whole country.

　　I. Theme of the event

　　New era, new journey, new youth

　　Second, the organization

　　Organizers: Network Communication Bureau of the Central Network Information Office, Network Social Work Bureau of the Central Network Information Office, Ideological and Political Work Department of the Ministry of Education, and Propaganda Department of the Communist Youth League Central Committee.

　　Organizer: Network Information Office of Hunan Provincial Party Committee

　　Executive unit: Hunan Hongwang New Media Group

　　Third, the direction of collection

　　Guided by the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, around the historic achievements and changes in the development of the party and the country in the new era, combined with the reform and innovation practices in various industries and fields in various places and the great changes in people’s production and life, we face up to concerns and make rational comments, and deeply explain the great advantages of the party’s leadership and the Socialism with Chinese characteristics system through empathetic perspectives, profound and unique thinking and warm strokes. Vividly interpret the theoretical logic and practical logic behind extraordinary achievements and happy life, and vividly present the surging weather of the motherland’s galloping development and the prosperous times of Chinese children.

　　Fourth, the collection time

　　April 28th to June 30th, 2022.

　　V. Scope of solicitation

　　1. Publicly released works: online review works that were publicly released on various websites and platforms in China from August 1, 2021 to June 30, 2022 and met the requirements of the contest collection.

　　2. Unpublished works: online commentary works that meet the requirements of the contest and have not been publicly released.

　　Sixth, the collection method

　　The declared works include three categories: text comments, video comments and comic comments, which were collected online through the contest in official website (https://hpzg.rednet.cn).

　　1. Self-declaration: individuals can declare and upload their own works through online collection channels, and the number of works in the same category should not exceed 3.

　　2. Organization declaration: Party and government organs, enterprises and institutions, media websites, social organizations, etc. can declare and upload works by organizing recommendation through online collection channels, and each unit recommends no more than 20 works. When submitting, you need to attach a scanned copy of the organization recommendation letter stamped with the official seal of the unit.

　　VII. Solicitation requirements

　　1. Correct orientation, profound conception, clear viewpoint, rigorous logic, fluent expression and seeking truth from facts;

　　2. Innovative discourse forms and presentation forms, which are suitable for network communication and have strong appeal and communication power;

　　3. For literary works, it is required that the long review articles should not exceed 3,000 words and the short review articles should not exceed 1,200 words; Video works require ordinary video to be within 8 minutes, short video to be within 3 minutes, and the format is MP4 and MOV, not exceeding 800 m; Random review works require cartoons to express opinions, pictures with short text explanations, etc., in JPG； format;

　　4. All works must be copyright-free, and the contestants agree to authorize the organizers of the competition to use the rights of reproduction, information network dissemination, adaptation and assembly of the entries.

　　Eight, award setting

　　1. 100 outstanding works (including about 60 works of words, 30 works of videos and 10 works of random comments);

　　2. 300 short-listed works (including 180 works of words, 90 works of videos and 30 works of random reviews);

　　3. 30 outstanding organizational units.

　　IX. Activity Flow

　　1. Start the solicitation. The 2022 "Praise China" online comment contest was launched in the whole network, and the channels for submitting works were opened for online collection.

　　2. Qualification review. Take a combination of technology and labor to remove works that do not meet the requirements of applying for qualification, and form a preliminary evaluation list.

　　3. Preliminary evaluation. According to the evaluation rules, the Preliminary Evaluation Committee selected 1000 works to form a re-evaluation list.

　　4. Re-evaluation. The Re-evaluation Committee selected 300 works according to the evaluation rules, and after verifying the authenticity of the declared information, a final evaluation list and a shortlist of works were formed.

　　5. Final evaluation. The final evaluation committee selected 100 outstanding works and 30 outstanding organizational units according to the evaluation rules, and publicized them through the contest in official website.

　　6. Release the results. Hold the release ceremony of the results of the 2022 "Praise China" online comment contest.

　　The right to interpret the activities of this contest belongs to the organizer.

　　The brand positioning is scene intelligent electric vehicle. Before the car was experienced, this positioning was relatively conceptual. However, after the test drive of this iCAR 03, I really realized the technical cohesion of this "science man" for the ultimate scene, which is not limited to the elevation of the black technology software of the car, but also can put the high-level off-road ability that A-class pure electric city SUVs dare not play into iCAR03. I really didn’t expect that the seemingly "harmless" iCAR03 is not just as simple as a household electric car, but also has great achievements in the all-terrain field, such as easily climbing the 38-degree high slope, easily climbing the stairs, easily passing through the cross shaft, easily passing through the water pool mixed with ice fragments, etc., making cross-country very easy, which completely subverts people’s cognition of iCAR brand and always thinks that it is just a scooter.

　　After the off-road venue, I really feel that the brand’s promotion to iCAR03 is too conservative, and it is not as simple as "electric tidal box SUV".

　　Simple appearance but not simple

　　Last year was the year when China brand launched more square box-type off-road vehicles. Although iCAR 03 is also a square box shape, it is difficult for you to directly associate it with off-road vehicles and hardliners. However, if you look closely, there will be a ""content in the profile of the side body. However, in addition, the appearance of iCAR 03 is more original lines.

　　ICAR 03′ s external dimensions are 4406mm long, 1910mm wide, 1715mm high, and the wheelbase reaches 2715 mm. The overall shape is very square, and the tough body contour is outlined by using very geometric lines, which is friendly to the interior space.

　　The shapes of the light groups at the front and rear of the car are consistent, and they all use the shape of the "I" digital intelligent light group. The shapes of the front and rear light groups echo each other, and also echo the iCAR logo. The front lights have six kinds of intelligent lights, and the overall shape is relatively simple, but it has a high recognition rate. However, this kind of thing is definitely different for individuals.

　　The shape of the square box is simple, but the details are not simple. In addition to the small intention of the light group, iCAR03 uses an electric hidden door handle, which has an ice-breaking power of 120N in the snowy winter.

　　The appearance details are also reflected in the four-wheel eyebrow lights, all of which are embedded with "I-mark lights". This design is rare in other models. It can be said that the iCAR brand is very careful in increasing vehicle recognition.

　　In addition, there are two details: the design of iCAR at no cost. One is that the rear tailgate is opened at a 90-degree right angle only by hard-core off-road vehicles, in order to take things more conveniently. On this side tailgate, there is also an electric suction door, which can be automatically sucked with a slight clearance, so as to achieve the same configuration as the mainstream off-road vehicle, which not only saves worry and effort, but also from this aspect, the positioning of this model has slowly leapfrogged.

　　In addition to the tail door full of off-road flavor, a real small schoolbag was designed at the tail. In the past, off-road vehicles were called "small schoolbags" when they took a spare tire, but iCAR03 really installed a small schoolbag with Chaochuang personality, which can realize the wet and dry separation of take-away items. Press the point I in iCAR to open it, which is really intimate.

　　In terms of details, not only these, iCAR0 3 also has 50KG load-bearing luggage rack, 220V3.3kw external discharge, 1.6T traction qualification and 12V power supply in trunk. ICAR 03 adds a series of hardware for off-road, home and tide play, so that users can travel/drive with ease.

　　Interior Configuration of Intelligent Equal Rights

　　We see that the simple but not simple appearance is amazing, and the interior, configuration and intelligence are even more simple. The interior style of iCAR 03 has two colors: dark and light. It is expected that most users will choose the light interior because it is elegant, and the patchwork and rough outline make the interior style unique in the compact pure electric SUV.

　　The center console is equipped with two screens, a clear digital instrument screen and a 15.6-inch ultra-wide field of view central control large screen. The two screens have a clear division of labor, and for an A-class pure electric SUV, it can fully meet the demand.

　　ICAR 03 comes standard with Tencent Ecology, which meets the requirements of multi-instruction parallelism such as driving directions and entertainment. It has four-tone language control recognition, which can accurately identify the instructions issued by passengers from different locations, and the control is more intelligent and accurate. As well as full-scene voice control, greatly liberating multi-command control with both hands.

　　It can also expand mainstream APP applications, and its menu catalogue and function card design are easy to understand, and the pull-down shortcut function and air conditioning control are very intuitive.

　　It is worth mentioning that the intelligent cockpit of the four-wheel drive model adopts the 8155 chip, which can support the smooth playback of 8 channels of 4K video, and the 360 image and voice interaction function is supported by the 8155 chip to achieve the first-class in the same class. ICAR 03 also supports more than 20 intelligent modes such as pet mode, nap mode, karaoke mode and child lock mode.

　　In terms of audio and video configuration, this model is also the "top" configuration in the same level. The Infinity Swallow Lishi audio system equipped with 12 high-performance speakers above the four-wheel drive long-life advanced version has been professionally tuned by Harman Kardon.

　　In terms of technology configuration, it can be said that everything this handlebar can give is in place. For a model of 120,000-180,000 yuan, its configuration is rich and reasonable. In this respect, I have to admire Chery’s pursuit of cost control and technology.

　　Efficient power and reasonable configuration.

　　The power part of iCAR 03 is relatively mainstream, but in the mainstream, there is unexpected potential to be stimulated. The model of this test drive is a four-wheel drive version, equipped with dual-motor power, with a peak power of 205Kw, a wheel torque of 4100N·m, and an acceleration of 6.5s per 100 kilometers. The electric drive is a six-in-one flat-wire motor with the highest efficiency of 96.96%, which has the characteristics of high energy, high efficiency and low consumption.

　　As for the power battery, Contemporary Amperex Technology Co., Limited’s customized battery core is adopted, which has the characteristics of high energy density. In terms of battery cell energy density, the two-drive version is 401: 180.9 Wh/kg; Two-wheel drive 501 version is 182.19Wh/kg；; The version of the four-wheel drive 501 is 182.19Wh/kg, and the energy density of the 501 battery life package reaches 139wh/kg.

　　For battery protection, iCAR 03 adopts a "sandwich" structure with a 10mm battery protection armor body. The upper and lower versions of the battery pack are made of aviation grade material, the upper case is covered with 1000°C ultra-high temperature resistant mica material, and the lower case is made of aluminum alloy plate, which can achieve a pressure of 20kPa.

　　ICAR 03 has inherited Chery’s profound technical innovation ability in the aspect of three power plants, and has a long-term vision from capability to safety to sustainable use. For example, in terms of body structure and chassis, in order to enhance strength and reduce unsprung weight, iCAR has created a hybrid super-strong chassis, using a 3,500-ton integrated die-casting tower top structure and an all-aluminum honeycomb structure girder to form a super-rigid foundation. Hollow cast aluminum H-arm is adopted in the chassis structure of H-arm multi-link and hydraulic bushing, which reduces the weight by 30% and the unsprung impact.

　　In terms of body frame, it’s really worth saying more, because its body-in-white weighs only 230kg, which is not as heavy as an adult pig. In addition, the original all-aluminum multi-cavity cage body makes the curb weight of iCAR03 only start from 1.68 tons, which is a pure electric vehicle, and this innovation has laid a deep foundation for off-road ability.

　　Comfortable city driving

　　ICAR 03 with square box shape has advantages for riding experience, with ample head space and leg space brought by 2715 wheelbase, which is enough for a family of three to travel. The effective space utilization ratio of iCAR 03 vehicle reached 66%, and the interior space reached 64.3%.

　　The car has a super-large rear head space of the same level. According to official data, the rear head space reaches 991mm, which makes passengers’ activities in the car not cramped.

　　In terms of storage space, the whole vehicle has several extensible storage spaces, including the storage bin under the 24L rear seat and the backup storage space, which can be extended to 1238L.

　　In normal pavement driving, the acceleration of iCAR 03 is very rapid, and the required driving mode can be selected through the driving mode on Nakajima. iCAR 03 has 8+x all-road driving modes to choose from, and there are four modes to choose from on paved roads: energy saving/comfort/sports/personalization. If it is a four-wheel drive vehicle, the four-wheel drive and two-wheel drive will automatically switch during normal driving, which will bring more energy-saving performance.

　　For the iWD intelligent electronic control four-wheel drive equipped with iCAR 03, the performance on the pavement is very smart, and it will remain in the two-wheel drive mode most of the time, and will switch to the four-wheel drive only at the moment of starting and accelerating, and once the vehicle maintains a stable power output, it will remain in the two-wheel drive output.

　　ICAR 03 adopts the design of arms, which is very convenient when switching gears, moving forward and backward. When turning left and right, the central control screen will open the camera on the steering side to make up the blind spot, thus achieving a safer purpose.

　　Because the weight of the car body is the same as that of a fuel car, the starting and acceleration of iCAR 03 is very easy. Although it is also an electric car that has a smooth sense of acceleration, it is obvious that the support of the chassis is very resilient, and when turning at high speed, the control of the car body is very dexterous, and there is almost no inertia brought by the dynamic potential energy. The direction of the steering wheel is completely unified with the direction of the car body.

　　For the transmission of road conditions, iCAR 03 can transmit the road conditions as delicately as golf, especially the feeling between roads, potholes and gravel roads is relatively clear, the suspension is well supported, the resilience of shock absorption is obviously very tough, and there is room for accepting greater impact.

　　Generally speaking, the adjustment of iCAR 03 on paved roads is conservative, and it is mainly for the comfort of family cars, but it is not very radical. On the one hand, it shows that iCAR03 is positioned as a home and trendy car, not a performance car. However, the performance is not reflected in the pavement, but it is completely released in the off-road field.

　　Many cross-country events are not to mention.

　　Who would have thought that although the appearance of iCAR 03 has the value of "harmless to people and animals", playing in off-road venues, I think many hard-core off-road vehicles that sell more than 300,000 will not underestimate it. This off-road test drive was carried out on a site with a slope of 38 degrees. Seeing the models that don’t take off-road as the selling point, it’s really a sweat to challenge many hard-core off-road test sections, or I don’t have much confidence in iCAR 03.

　　However, the display is very cruel. iCAR 03 completely hit the face, not only with a 38-degree slope, but also with a cross shaft and a wading pool. Even the wheels will not slip, just adjust the corresponding driving mode in the car.

　　ICAR 03 can be regarded as a real software-defined car. Some SUVs that also use dual motors are just competing for acceleration time, but iCAR 03 makes it too easy for hard-core off-road to complete. When climbing a hill, you only need to stabilize the speed and look at the transparent body and direction displayed on the hollow screen, even without adjusting to any off-road mode.

　　After reaching the top of the slope, adjust the mode to flexible downhill, release the switch and brake, and the vehicle will firmly grab the ground and descend to the ground very stably, which makes the novice cross-country very calm. The difference between flexible downhill and steep slope descent is that the software is used to calculate the adhesion of each wheel, the slope data and the vehicle speed, and the torque release of each wheel is controlled more subtly, and the vehicle speed is controlled by a motor, instead of controlling the downhill vehicle speed to a set value in general.

　　With the difficult uphill as the foundation, it is actually easier to pass when facing the challenges of climbing stairs, small humps and narrow bridges.

　　What I didn’t expect was that iCAR 03 passed easily when it challenged the 30cm cross axle. We can see that when it crossed the axle, sometimes a wheel would be suspended and have no adhesion. At this time, IWD’s intelligent electronically controlled four-wheel drive can distribute the dynamic torque of the front and rear motors, start the wheel with millisecond-level response, and instantly increase the torque of the wheel with adhesion, so as to achieve normal passing. This does not require particularly high driving skills, just need.

　　What is even more surprising is that when many friends recommend various in-situ U-turn functions in a high-profile manner, iCAR 03 also has the ability of extreme turning, that is, after the steering wheel hits a certain side, the rear wheel will lock with the direction, forming a compass leg mode, dragging the vehicle to extreme turning, thus reducing the turning radius. In order to achieve this turning mode, you only need to select the extreme turning mode in the screen.

　　To sum up, the off-road capability of iCAR 03 is an unexpected bright spot, so that it masks its trendy nature. As the first model of iCAR brand, iCAR03 can definitely be called a pure electric compact SUV with a new height of "involution". If you are a cross-country enthusiast and just want to have a drink in the surrounding cross-country, iCAR 03 is a very good choice, and its price is still within 190,000, which is great for the cost of playing cars. If you are a user who likes go on road trip and needs daily transportation, the intelligence, comfort, space and expansion ability of iCAR 03 can fully meet your play needs, and it is a good choice for low-cost cars. Therefore, if you are interested in iCAR 03, you might as well go to its experience store to have a look.

　　The reference news network reported on October 30.On October 24th, the website of Tanzania’s Daily News published an article entitled "How the Belt and Road Initiative is Changing the African Economy" by George Montu. The article is compiled as follows:

　　This year marks the 10th anniversary of the Belt and Road Initiative.

　　Through infrastructure investment and regional cooperation, the Belt and Road Initiative has enhanced the connectivity between China and the rest of the world.

　　It should be pointed out that although the Belt and Road Initiative was put forward by China, it belongs to the whole world and benefits all mankind. Empirical evidence shows that the Belt and Road Initiative has accelerated the economic development of African countries and promoted regional integration in Africa.

　　In the 10 years since the "Belt and Road Initiative" was put forward, the cumulative trade volume between China and Africa has exceeded 2 trillion US dollars. As direct flights have been opened between Nairobi and Changsha, a city in central China, Kenyan flowers can be sold to China businessmen in Changsha and its surrounding areas.

　　According to the Ministry of Foreign Affairs of China, China’s investment in Africa has grown steadily. In the first half of this year, China’s new direct investment in Africa reached US$ 1.82 billion, a year-on-year increase of 4.4%. At present, there are more than 3,000 China enterprises "deeply ploughing into Africa", and private enterprises account for more than 70% of China’s non-enterprises and they are the pillars of China’s investment in Africa.

　　Statistics from Tanzania Investment Center show that from 1997 to August 2023, thousands of China projects were registered in Tanzania, creating about 150,000 jobs.

　　The Belt and Road Initiative has contributed to poverty reduction in Africa. According to the World Bank’s forecast, by 2030, the "Belt and Road" international cooperation will lift 7.6 million people out of extreme poverty and 32 million people out of moderate poverty.

　　Since the beginning of this century, China has built more than 6,000 kilometers of railways, 6,000 kilometers of highways, nearly 20 ports and more than 80 large-scale power facilities in Africa.

　　In Tanzania, we see that China contractors are undertaking many flagship infrastructure projects, including the fifth and sixth sections of Tanzania Central Line Standard Gauge Railway, dodoma Msarato International Airport, Kigongo-Busisi Bridge and so on.

　　These strategic infrastructure projects will greatly facilitate the flow of goods and people in related fields, reduce energy consumption and telecommunications costs, and improve Tanzania’s investment environment. Despite the aforementioned benefits, some westerners claim that China is using the Belt and Road Initiative to exploit Africa. They fabricated concepts such as "debt trap diplomacy" and "opaque pricing" to tarnish the image of the "Belt and Road Initiative".

　　These accusations are groundless. Look at Africa’s infrastructure. The Belt and Road Initiative is helping Africa achieve transformation, and no African country has fallen into the so-called "debt trap". Over the years, African countries have failed to make progress due to backward infrastructure and the lack of willingness of traditional partners to help finance important infrastructure construction.

　　However, since China became an economic power, it has been actively involved in providing assistance to the strategic infrastructure construction for promoting economic growth in African countries.

　　Because of the effectiveness of the Belt and Road Initiative, Africa’s traditional development partners who have been exploiting for a long time find it difficult to compete with this initiative proposed by China, because it is based on long-term friendship and win-win cooperation.

　　Obviously, the Belt and Road Initiative provides a platform for African low-and middle-income economies to achieve remarkable growth in infrastructure construction, job creation and trade opportunities.

　　As Tanzanian President Samia Suluhu Hassan said during his meeting with the Supreme Leader of China president in Johannesburg in August this year, Tanzania and other developing countries have benefited a lot from the joint construction of the Belt and Road Initiative.

　　We Africans know what we need and who our true friends are. The denigration of the Belt and Road Initiative by some Westerners will not affect our judgment on this grand strategy put forward by China but shared by all mankind. (Compile/sha li)

1905 movie network news Recently, Stephy, who plays Chen Ke in the play, has also been hotly discussed by netizens because of its popularity. In an interview recently, she also recalled all the things that she worked hard alone in Beijing. However, she did not use the word "drifting north", but chose the more kinetic "running north".

Stephy revealed that he had nosebleeds every day when he first came to Beijing, and once suspected that he had leukemia. It was also revealed that it was particularly like having a brand-name bag, but because it was not enough, I could only buy a fake bag. But in the end, through hard work, I bought the same real bag.

In response to the heated discussion about double eyelids, a response from Stephy of honest and frank was cut in Weibo before. She also admitted: "Double eyelids were cut when I was a freshman or a sophomore, that is, the technology was not as natural as it is now." Regarding the netizen’s suggestion to consider the adjustment of double eyelids, Stephy said: "If the makeup painting is good, it doesn’t need plastic surgery to assist, and makeup is particularly powerful. I just want to share my beauty products with you sometime. "

In today’s digital financial era, online banking has become one of the important channels for people to manage and trade funds. As for whether the bank’s online bank transfer limit can be adjusted, the answer is yes.

Different banks may have different ways to set and adjust the online bank transfer limit. Generally speaking, banks set the transfer limit mainly for the sake of ensuring the safety of customers’ funds and preventing financial risks.

Some large state-owned banks, such as Industrial and Commercial Bank of China and Agricultural Bank of China, usually provide various channels and ways to adjust the online bank transfer limit. Customers can go through the bank’s official website, mobile banking application or go to the counter to handle related business. Take ICBC’s online banking transfer limit adjustment as an example. After logging in to online banking, customers can find options for adjusting the transfer limit in the related menus such as "Security Center" or "Transfer and Remittance". According to the system prompt, after completing the authentication and other operations, the transfer limit can be modified.

Some joint-stock banks, such as China Merchants Bank and Shanghai Pudong Development Bank, have similar operating procedures. Customers can adjust the transfer limit according to the guidelines in the "Settings" or "Security and Limit" modules of mobile banking.

The following is a comparison table of online banking transfer limit adjustment methods of some banks:

It should be noted that when adjusting the online bank transfer limit, the bank may make a comprehensive evaluation based on the customer’s risk rating, account usage and other factors. If there are abnormal transactions or high risks in the customer’s account, the bank may restrict the adjustment of the transfer limit or require the customer to provide more supporting materials.

In addition, after adjusting the transfer limit, customers should plan the use of funds reasonably to ensure the safety of funds. At the same time, we should pay attention to protecting personal bank account information and passwords to avoid risks such as online fraud.

In short, the bank’s online bank transfer limit can be adjusted, but the specific adjustment methods and restrictions vary from bank to bank. Before making adjustment, customers are advised to know the relevant regulations and procedures of their bank in detail.

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