标签归档 西安品茶资源

　　Author: Wang Baohui

　　Recently, the topic of young people’s reluctance to use credit cards has been hotly searched. Credit card business has always been an important position of bank retail finance, which plays an important role in stimulating consumption willingness, releasing consumption potential and promoting consumption upgrading. Is it that credit cards are "cold" after entering winter?

　　Xu Zewei, Party Secretary and President of Beijing Internet Finance Industry Association, said that the attractiveness of credit cards has weakened, which is mainly affected by factors such as the progress of Internet technology and changes in the market environment. With the rapid development of mobile payment, many young people are no longer used to carrying cash and physical bank cards with them.

　　Although credit cards have the advantages of paying in advance and paying later, with the development of financial technology, many Internet platform apps have also launched some services similar to credit card functions, which has a certain impact on the credit card market. In addition, online consumption scenarios are increasing, and the substitution effect of mobile payment tools on credit cards is obvious. In addition, mobile payment tools have no annual fees, management fees and other expenses, and they are flexible and convenient to use, which is very popular among young users.

　　In addition to the change in payment methods, the "coldness" of credit cards also means that some young users’ consumption concepts are changing. Statistics show that today, 35% of young people do not use credit consumption, and most of the credit consumption accounts for less than 20% of their income. More and more young people are trying to bid farewell to "ahead of consumption" by closing consumer credit.

　　In addition, problems such as declining service quality and opaque rates are common reasons for credit card complaints. For example, some credit card products do not fully disclose the relevant fees when they are promoted, or there are unclear charging items in the bills, which affects the experience of young customers and reduces the user’s stickiness.

　　In fact, the "cold weather" of credit cards does not mean that the credit card track is unpopular. Chen Xu, a senior analyst at Tianyancha Data Research Institute, said that credit cards have obvious advantages in terms of credit limit and installment payment. Cardholders can not only enjoy the preferential treatment of special merchants, but also effectively accumulate personal credit, which is convenient for handling businesses such as credit loans.

　　The data shows that the cumulative number of credit cards issued in China increased from 432 million in 2015 to 786 million at the end of the second quarter of 2023, and the total credit amount increased from 7.08 trillion yuan in 2015 to 22.31 trillion yuan at the end of the second quarter of 2023. The credit card business has deeply penetrated into people’s modern consumption life.

　　With the growth rate of credit card issuance and transaction volume of various banks generally slowing down, more and more credit card businesses have also turned to the development model of "reducing costs and increasing efficiency". Previously, a number of banks announced that they would adjust the rights and interests of some of their credit cards from 2024. In particular, many commercial banks continued to exert their efforts in increasing fees and benefits and improving the rights and interests of using cards.

　　While the credit card is "cold", it is also forcing commercial banks to carry out the reform of stock credit card business and reasonably balance the relationship between retaining customers and expanding customers. Du Yang, a researcher at China Bank Research Institute, said that under the background of stricter supervision, the credit card business needs to move from the extensive development stage of "staking the land" to the professional, fine and high-quality development stage. On the whole, on the one hand, banks should pay attention to digital construction, risk management and brand building, constantly expand market share and develop more potential users; On the other hand, it is necessary to strengthen credit card compliance management, protect the legitimate rights and interests of financial consumers, and enhance brand influence and customer stickiness.

　　"Credit card business is a relatively mature consumer finance model, which can provide cardholders with reliable and convenient consumer financial services, meet the diverse consumer needs of residents, and then consolidate the basic role of consumption in economic recovery." Du Yang said that China’s commercial banks continue to strengthen the transformation and upgrading in product systems, service capabilities and risk management, and promote the rapid development of credit card business to meet the diverse consumer needs of users. (Wang Baohui)

　　In June, in Shayuan, western Liaoning, mulberry trees more than one meter high spread out green leaves and scattered small flowers spit out their pistils; The wind in early summer blew Chinese pine green all over, and the buds of pine flowers gave off a little fragrance.

　　This is the southern edge of Horqin Sandy Land where liu village, Sihe Town, Zhangwu County, Fuxin City, Liaoning Province. 74-year-old Hou Gui is standing in his own forest. There is a shade at the height, green grass at the foot, and the sand in the sand is firmly covered.

　　At 9 o’clock in the morning, Hou Gui has completed more than three hours of mountain patrol every day, and the next job is watering. In April this year, Hou Guixin planted 20,000 seedlings. Now is the critical period for Chinese pine to stabilize seedlings, and only by pouring water can they take root.

　　It is not easy to water the saplings on the mountain. To carry more than a dozen buckets more than one meter high and 50 meters long connecting pipes, Hou Gui’s tool is a small four-wheeled tram. There is no smooth road on the mountain. If you are not careful, the car will sink into the sand. Finally arrived at the destination, more than 300 meters of water pipes were divided into eight sections, and Hou Gui connected the connecting pipes section by section. Screw three or five thick iron wires on each interface to fix it. Only then can he walk for ten minutes and open the gate by the well.

　　A day is only 24 hours, and this trip will take four or five hours. Compared with more than 20 years, four or five hours is nothing. It is the 24th year since Hou Gui cut and cultivated the first poplar seedling. Twenty-four years ago, Hou Gui and his fellow villagers laughed at themselves for living in "Fengkou" and "Shawozi", and there was a wind every year, blowing from spring to winter.

　　"Our area is deeply affected by sandstorms. The wind brings all the sand to our yard and crops. The output of farming can’t go up. Sometimes the roads in villages are blocked by sand, and some gardens have been scraped into sand, so they have to be pulled out by car and sent far away. " Hou Gui remembers it clearly.

　　In 1951, a nursery settled in Zhanggutai, west of Sihe Town, and Hou Gui was born in that year. At that time, the desertification area of Zhangwu had reached 96%. The story of the first generation of sand control people, Hou Gui heard from childhood.

　　Sometimes, a row of trees can grow into a forest; Sometimes, the barren hills turn green easily and are covered with yellow sand a little bit. In 1983, Hou Gui became a tree planter for the first time: "There was a news in the newspaper that if farmers planted trees in wasteland and barren hills, the forest land would be free of charge and allowed to be inherited by future generations. At first glance, this is a good thing. " Hou Gui understands that the policy is to mobilize everyone to plant trees on their own borders and improve the living environment and production conditions.

　　He went into battle with a spade. How powerful can a person be in front of the yellow sand? That year, Hou Gui planted 71 acres of trees by himself — — This woodland, which he has used to this day.

　　After more than ten years, Hou Gui was busy farming and worked as a village cadre. The planted trees plunged into the soil and grew into his heart. By 2001, the tree in my heart met with spring rain.

　　"The party’s policy is consistent," Hou Gui said. This time, in order to control the sandy land as soon as possible, social forces can also participate in afforestation. Hou Gui went up the mountain conveniently. At the age of 50, he took out all his savings and contracted the Sihecheng Forest Farm.

　　Hou Gui contracted more than 2,000 mu of land to plant trees at once, and everyone thought that he was going to make a fortune. Hou Gui wants to make money? Of course I want to. But he soon found that planting trees not only didn’t make money, but also had to pay money. At that time, poplar seedlings cost more than 10 cents a tree, and Hou Gui could not afford it, so he had to raise them in the field himself. He carried a sickle all over the hills near the village, looking for new branches on young poplars and "sticking" them everywhere. This is how the seedlings are bred.

　　From branch selection and seedling raising to cutting, in a few days, the seedlings were "swallowed" by the sand, and sometimes it took three or four times to plant a seedling to take root. In the first year, Hou Gui planted 300 acres of poplars. The villagers laughed at Hou Gui, and his wife Li Shuyuan was angry: "I said what’s the use of planting that tree?" Next to scold, brown talks. He said that our country’s call for afforestation is sand fixation, and others can think about it if they like, but what should we do or do? "

　　Saying "I can’t make money" is still light. Hou Gui said that afforestation not only cost him more than 500,000 yuan in savings, but also brought him "debts". His house is the worst in the neighborhood. In summer, it needs plastic sheets to keep out the rain, and in winter, it needs to burn more fires and paste an extra layer of windows to keep warm. Hou Gui half jokingly, "I don’t want to live in a good room? Do you have to live in a broken house? " He not only told his family, but also told the villagers that he would build the best house as soon as the forest at hand was finished.

　　Planting trees to control desertification is more difficult than expected. In the first two years, he overcame the difficulty of "planting", and Hou Gui had a headache for "managing". The trees are growing and the grass is dense. Cattle and shepherds all want to come to Hougui to graze in this forest. At first, I heard that "my cattle and sheep don’t eat trees, but only eat grass", and Hou Gui was not easy to stop. Seeing that the cattle and sheep ate the saplings, Hou Gui was anxious. At last, he and his wife nailed wooden poles to build a fence, and with two hands, they nailed a 7-kilometer protective net.

　　"Grazing up early, and greedy. If you don’t want to go because of the heavy rain, one or two hundred cows will come in and eat all the thick poplar trees. Niu Guan sees that you are coming, and he is rushing out. If you’re not watching, just leave it there, eat and go. If we don’t hurry in time, the loss will be great. " Hou GUI said.

　　For more than 20 years, covering an area of 2,400 mu, Hou Gui planted more than 260,000 trees, of which 200,000 survived. For him, every tree is a painstaking effort.

　　In the tenth year of planting trees, Hou Gui began to think about what kind of tree is a better sand-fixing tree because of poplar diseases.

　　"I designed a plan for the transformation of forest land. Each tree species is planted in ten rows to form a forest belt, with Acer truncatum as the interval in the middle, so that it will be more spectacular after forming in the future. The tree species used are all long-lived tree species with strong drought resistance, which are suitable for growing in our region and creating a fine project with wind-proof and sand-fixing ability for more than 100 years. "

　　— — This is the answer that a farmer in China fumbled with his hands.

　　A shovel, a drive, a belief, and a tough battle. Hou Gui never thought about the past twenty years. He looked forward: "I will not be 84 years old in 10 years, but I will not go down the mountain. I can’t do it. I am also here. This is where I really want to support the elderly. " He even thought that a hundred years later, "I will go empty-handed, and the tree is still growing here."

　　In the June wind, the white wind car rotates slowly, bringing clean energy.

　　This is the hometown where 74-year-old Hou Gui never says "love". It is still windy in Zhangwu, but the sand has stopped.

Producer Gao Yan

　　Planning Shen Jingwen Zhang Chengxia Feng Huiling

　　Coordinating Du Ximeng

　　Reporter Yan Jiang Jiyuan Chao Xiangrong

　　Video director Sun Huan

　　Video shooting, Zhu Chenghui

　　Video editing, Zhou Bin

　　Video packaging Wang Haihan Liu Pufei

　　New Media Editor Lian Jinliang

On July 16th, last night, Yu Chengdong, managing director of Huawei, chairman of terminal BG and chairman of smart car solution BU, and Dong Yuhui, senior partner selected by Dongfang and head of Huihui, were broadcast live in the same frame for the first time.

In the interview of nearly one and a half hours, Yu Chengdong talked about a number of issues of concern to the outside world, including the upgrade of Huawei P series to Pura, the hacking of Huawei’s smart driving, and the transfer of Huawei’s trademark.

In addition, Yu Chengdong also shared his personal growth mentality. He said that his dream was to become a master in the aerospace field and encourage young people. "If you study hard and work hard in a field and are not discouraged when you encounter difficulties and setbacks, you can find your own place to create value."

Regarding the title of "Yu Dazui", Yu Chengdong admits that he is not. He said that he is a very silent person.

"Can you imagine? Teachers and classmates get together, and the most silent person at the dinner table is me, but there is nothing I can do about this job. I have to talk about it, because we do To C to hold a press conference every day, which is not what we like, and English is also the most difficult thing for me to learn. "

Yu Chengdong also mentioned that as the global leader of 5G, Huawei once didn’t even have 5G, and its life was very difficult and depressed. He has always encouraged the team not to be discouraged. Difficult things can make the team stronger, and difficulty is the whetstone of strong will.

[Source: Fast Technology]

　　BEIJING, Beijing, May 29 (Reporter Chen Hang) On the 29th, the Beijing Municipal Bureau of Ecology and Environment released the Bulletin on Beijing’s Ecological Environment in 2022 (hereinafter referred to as the Bulletin), which "counted" the ecological environment in Beijing in 2022 and the new era for ten years, and comprehensively showed the changes of Beijing’s ecological "face value" in the past ten years.

　　According to the Bulletin, in the past ten years, Beijing has achieved a rapid decline in the concentration of major pollutants in the atmospheric environment while achieving high-quality economic and social development. Compared with 2013, the annual average concentrations of PM2.5, PM10, NO2 and SO2 all decreased by more than half in 2022. Among them, the average annual concentration of PM2.5 decreased from 89.5 μ g/m3 to 30 μ g/m3, with a cumulative decrease of nearly 60 μ g/m3.

　　According to the Bulletin, in 2022, the average annual concentration of fine particulate matter (PM2.5) in Beijing continued to decrease, reaching the second-class national air quality standard for two consecutive years, the water environment quality continued to improve, the soil environment condition remained good, the acoustic environment quality remained stable, the radiation environment quality remained normal, the ecological environment condition continued to improve, and the carbon dioxide emissions per 10,000 yuan of GDP maintained the best level in provincial regions.

　　The average annual concentration of PM2.5 has reached the second-class national air quality standard for two consecutive years.

　　According to the Bulletin, in 2022, PM2.5 in Beijing’s atmospheric environment was 30 μ g/m3, reaching the national secondary standard for two consecutive years. The annual average concentrations of sulfur dioxide (SO2), nitrogen dioxide (NO2) and inhalable particulate matter (PM10) were 3,23 and 54 μ g/m3, respectively, which reached the standard steadily for many years, and generally maintained a downward trend.

　　In the past ten years, Beijing has achieved a rapid decline in the concentration of major pollutants in the atmospheric environment while achieving high-quality economic and social development.

　　Compared with 2013, the annual average concentrations of PM2.5, PM10, NO2 and SO2 in Beijing in 2022 all decreased by more than half. Among them, the average annual concentration of PM2.5 decreased from 89.5 μ g/m3 to 30 μ g/m3, with a cumulative decrease of nearly 60 μ g/m3. The average annual concentration of SO2 has dropped from 26.5 μ g/m3 to 3 μ g/m3, with a drop of 88.7%, and has remained extremely low for many years, which is basically equivalent to the level of big cities in developed countries in the world. The number of excellent days was 286, an increase of 110 days; The days of heavy pollution were reduced from 58 days to 3 days. Good days have increased significantly, bad days have decreased significantly, and air quality has improved greatly in an all-round way. The effectiveness of air pollution control has been praised as "Beijing Miracle" by UNEP.

　　Dynamic elimination of inferior V water bodies

　　According to the Bulletin, in 2022, the quality of water environment in Beijing will continue to improve, and the annual average concentration of main pollution indicators of surface water will continue to decrease, and the inferior V water bodies will be eliminated dynamically. The quality of groundwater remains stable. The water ecology is in good condition.

　　In the past ten years, the water ecological environment in Beijing has achieved qualitative change. The proportion of excellent water bodies has increased significantly. In 2022, there were 105 sections and 2551.6 kilometers of rivers in the five major river systems, of which the length of rivers with excellent water quality accounted for 77.9%, an increase of 28.1 percentage points compared with 2013. Dynamic elimination of inferior V water bodies. The water ecology is in good condition, and more than half of the rivers in the city have reached an excellent level. Aquatic insects, such as Mayflies, stonefly and Shimoths, which are often used to indicate clean water bodies, are not only found in mountainous rivers, but also appear in rivers in plain areas such as Liangshui River, Dashi River and Liangma River. Five rivers in the city reappear as "flowing rivers" and run through the sea; The water volume of Miyun Reservoir reached a record high, and it was rated as the first batch of excellent cases of "beautiful rivers and lakes" in China by the Ministry of Ecology and Environment … … The water is clear and the shore is green, and the fish is shallow. The scene of harmony between people and water has become the norm.

　　The forest coverage rate will increase to 44.8% in 2022.

　　According to the Bulletin, in 2022, Beijing’s eco-environmental quality index (EI) was 71.1, which achieved continuous improvement for many years. The eco-environmental situation was excellent and the quality and stability of the ecosystem continued to improve. The forest coverage rate of the whole city will increase from 38.6% in 2013 to 44.8% in 2022. The types of ecosystems in the whole city are constantly enriched, the stability is gradually enhanced, and the sustainability is constantly improving.

There are many medium and large SUVs with 250,000 gears. When it comes to this price, my first thought is,, or, but it is hard for me to think of choosing a Tiangong 08.

From the appearance alone, it is hard to imagine that this car will be sold for 239,800.

Many times, when we buy a car, we will consider other people’s opinions, such as GTE and EQE of Mercedes-Benz. People will not ask you how much you bought this car, but will ask you: Why did you buy this car?

In fact, you can’t completely blame others for being rude. If you buy a car, you have to buy the essence of the brand. What is the essence of the brand of Hongqi? I think this Tiangong 08 can reflect it very well.

The appearance of Tiangong 08 has been changed into a brand-new LOGO, which is quite different from the original red flag brand. If you don’t say it, you can hardly see that it is a red flag, but the overall appearance of the vehicle can still be seen that it inherits the design language of the red flag, and of course, the price also inherits the tradition of the red flag.

But this is not the most important thing. Now if you want to gain a foothold in the market, product strength is the first.

The battery life is not strong, and the space is not big.

First of all, the 249,800 Tiangong 08 has a battery life of 605km, which is used, and there is no 800V fast charge. The mainstream models of 233,900 and 259,800 Zhijie R7 are equipped with 800V fast charging. The 252,900V Zhiji LS6 even reached the quasi-900 V.

The official claims that Tiangong 08′ s 400V platform has an efficiency of 800V, but its fast charging time is 0.33h, which is really similar to that of Zhijie R7′ s 0.25h, but the gap still exists. At the same time, Zhijie R7 has obtained a battery life of 667km with a smaller battery, and the architectural advantage of 800 is once again reflected. Why didn’t Tiangong 08 go directly to 800V that day?

If you want a refrigerator, a color TV, a big sofa and a long life, why not choose the ideal L6 or the extended range M7? Or if you pursue space at this price, isn’t 150 thousand a better choice?

Intelligent driving is in doubt, and intelligence is backward.

At present, the mainstream domestic pure trams have reached the level of 250,000, and basically have a very strong level of intelligence. For example, the intellectual community R7 mentioned earlier, at present, Huawei’s intellectual driving level is already the first echelon in China, and many consumers who choose HarmonyOS Zhixing cars are all driven by Huawei.

Although Tiangong 08 is also equipped with urban and elevated pilot driving assistance, its reliability still needs to be verified for a period of time, and Tiangong 08 still does not rely on the intelligent driving of laser radar, which makes me inevitably raise a little doubt. What level is Tiangong 08′ s intelligent driving?

With the addition of intelligent R7, Huawei’s intelligent driving is said to be open all over the country, and after a period of test, Tiangong 08′ s advantages in intelligent driving can be ignored at present. If it is good, it will be a surprise, and if it is not good, it will be reasonable.

In terms of intelligent configuration, Tiangong 08 lags far behind the intellectual R7, and the area of the dashboard is very small, which looks very petty. Almost none of the car and engine systems have been used in HarmonyOS, and Tiangong 08 is definitely not an opponent. Moreover, the overall atmosphere inside the car looks like some oil cars, and the intelligent atmosphere is not very strong.

Then, if Tiangong 08 is taken as the base, we can enter the optional wisdom realm R7, and we can choose Tucki G9 and Zhiji LS6, so what is the need for Tiangong 08 to choose?

The price is too high, and so on.

Then the friends who see here may have many questions in their hearts, why the price will still be so high without a red flag with the original red flag.

Let’s go back to what we mentioned at the beginning. If you choose Magotan GTE and E300L, the situation will be completely different. Although they are the same brand, unlike fuel vehicles, new energy vehicles have no brand power, and product strength is everything.

What’s more, 250,000 yuan is a battleground for military strategists. In this price segment, not only the vehicle’s exterior design is excellent, the intelligent driving level is leading, and the cost performance is high. Only by meeting these three points can it be possible to gain a foothold in the market, and it is basically impossible to rely on the brand power of fuel vehicles to drive the sales of new energy.

Conclusion:Tiangong 08 is not as smart as its competitors in the market at present in terms of intelligence level and cost performance. Perhaps with the upgrading or the arrival of preferential policies, it will usher in its own dawn, but not now.