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With the economic transformation, demographic changes and cutting-edge technology development in China, the insurance industry in China is standing in a new historical position. Under the new situation, how can Internet insurance seize the opportunity of the times and take advantage of the situation? Answers from consumers will lead the continuous innovation of insurance products and services and provide new potential for the high-quality transformation and development of the insurance industry.

On April 23rd, 2024, Yuanbao Group (hereinafter referred to as "Yuanbao") and China Insurance and Pension Research Center of Tsinghua University Wudaokou Finance College (hereinafter referred to as "Tsinghua Wudaokou Insurance Center") jointly released the Consumer Insight Report of Internet Insurance in China in 2023 (hereinafter referred to as "Report"). Based on the macro-economic background, the Report explains the current consumption characteristics and future trends of Internet insurance from four dimensions: consumer behavior insight, portrait analysis of celebrities and potential products users, observation of consumption hotspots and judgment of industry trends, and outlines the opportunities of Internet insurance and insurance industry at present and even in the next decade.

This is the China Internet Insurance Consumer Insight Report jointly released by Yuanbao and Tsinghua Wudaokou Insurance Center in the third year. In the past three years, the Report has gained the attention and praise of the industry, and provided suggestions and references from the consumer demand level to promote the high-quality development of the industry.

Zhou Yanli, former vice chairman of China Insurance Regulatory Commission, said in the preface of the Report that 2024 is the 75th anniversary of the founding of New China, and a crucial year for implementing the Party’s 20th strategic plan and realizing the 14th Five-Year Plan. With the economic transformation, demographic changes and the development of cutting-edge technology in China, the insurance industry in China is standing in a new historical position. Facing the new bureau and new machine of the insurance industry in the future, Internet insurance should stand at the forefront and meet the new round of industrial changes.

The insurance industry has steadily recovered, and the demand for health, pension and wealth management has increased.

In 2023, China’s sustained economic recovery led to an obvious recovery of the insurance industry. In 2023, the original insurance premium income was 5.12 trillion yuan, a year-on-year increase of 9.14%. The survey results of consumer insurance expenditure in the report also confirm this growth trend. The data shows that in 2023, insurance consumption will recover steadily, with half of consumers spending more than 8,000 yuan on annual premiums. In the future, over 60% of consumers will spend more than 8,000 yuan on premiums, and the scale of premiums is expected to further increase.

Talking about the internal motivation of the growth of the insurance market, Wei Chenyang, director of the China Insurance and Pension Research Center of Wudaokou Finance College in Tsinghua University, said that the key points are the increase in demand for security brought by economic growth, the increase in demand for pension and medical insurance brought about by the aging population and changes in family structure. "China’s insurance industry will continue to benefit from economic development and people’s growing awareness of risks and become an important force supporting economic stability and social security."

According to the Report, consumers’ awareness of health risk protection ranks first, among which critical illness insurance is the product with the highest holding rate in 2023, with 60% of the respondents holding it, and the "three highs" with high income, high education and high city level are the main groups. In the future, critical illness insurance will gradually sink to a wider group. In addition to critical illness insurance, the holding rate of health insurance products such as commercial medical insurance and Huimin insurance is also high, accounting for 44% and 30% respectively, and there is still much room for growth in the future.

In addition, the aging has put pressure on the social security system, and consumers’ anxiety about providing for the aged has driven the enthusiasm for buying commercial pension insurance and long-term care insurance. According to the Report, commercial endowment insurance ranks second among the types of insurance planned to be purchased in the future. At present, the main force of commercial endowment insurance purchase is still high-income middle-aged people; However, in the next 1-2 years, the proportion of young people aged 20-30 who plan to buy commercial old-age insurance is the highest, and the old-age anxiety is beginning to show a younger trend. The nursing needs of middle-aged and elderly people have increased significantly. At present, high-income middle-aged and elderly people prefer long-term care insurance, and it is expected that more middle-and high-income groups with third-line and below will choose to buy it in the future. The insurance industry should accelerate the exploration of the innovation of "aging-suitable" products and services, enrich the supply of products for the elderly, and improve the breadth and depth of protection for the elderly.

Affected by the downward trend of interest rates, the certainty guarantee advantage of long-term interest locking of insurance is highlighted, which has become the ballast stone of consumer wealth management, and the future savings insurance is favored. Among the newly signed insurance products in 2023, savings insurance ranked sixth; In the planned insurance purchase, the ranking of savings insurance rose to the fourth place, which has a large room for growth. At present, the "three high" people are the main buyers of savings insurance, and will expand to young people in well-off income and low-tier cities in the future. And the steady income is the most important factor for consumers to buy savings insurance.

Consumer demand is more diversified, and long tail demand needs to be tapped.

"Unmarried" and "having fewer children" make the family structure in China show a trend of miniaturization, and the pressure on families to resist all kinds of risks increases sharply. With different ages and income groups, the demand of resisting risks and seeking protection through insurance is becoming more diversified and personalized. Some insurance that used to be small in the public began to be favored by specific people.

In 2023, natural disasters occurred from time to time in some areas, which made consumers begin to pay attention to the function of family property insurance in alleviating post-disaster economic pressure. Family property insurance will rank third among the newly signed insurances planned by consumers in the next 1-2 years. With the gradual popularization of property risk awareness, the demand for family property insurance will also extend from second-tier cities to third-tier cities and below.

The importance of pets in people’s lives is increasing, and pet insurance is beginning to rise. According to the Report, at present, 27% pet owners are equipped with pet insurance, mainly young female consumers; 35% of the people who have not bought plan to buy, and more middle-aged people in first-tier cities will be willing to pay the bill in the future, and the purchasing enthusiasm of male consumers will be significantly improved. Insurance institutions accurately perceive and analyze the diversified needs of different customer groups, and launch targeted products+scene coverage, so as to tap the long tail demand and achieve diversified growth.

In addition to niche insurance, in the face of the same type of protection products, the demand differences of segmented customers are becoming more and more significant. When people aged 20-30 choose insurance, they mainly value "high cost performance"; People aged 31-40 value "wide product coverage"; People aged 51-60 value "low threshold for participation". The enlightenment for the insurance industry is that only by deeply understanding the differences of the core decision points of the insurance link and optimizing the differentiated positioning of products and services will the products achieve leap-forward development.

Intelligent claims are the strongest technology for consumers. AI big model landing practice will speed up.

What factors do consumers value most when buying insurance? 46% of the respondents chose "the insurance company/platform has the strength" and "the claim is simple and the payment time is short". "Worried about the difficulty or rejection of claims" (50%) and "unable to understand the insurance clauses" (39%) are the core troubles of consumers in the past two years. Obviously, the claim link is very important for Internet insurance consumers to make insurance decisions, and intelligent claim settlement is alleviating this problem.

According to the Report, intelligent claim settlement is the technology with the strongest consumer perception, and 71% of the respondents believe that intelligent claim settlement has improved the after-sales experience. At present, more than 80% of consumers with online claims experience are satisfied with claims. With the in-depth application of big model technology, consumers’ troubles about claims are expected to be further eliminated.

Fang Rui, founder and CEO of Yuanbao Group, said that AI technology is kicking off a new round of scientific and technological revolution with amazing iterative speed. At present, the exploration of large-scale model technology in China insurance industry has achieved initial results, and there have been good application cases in customer service, marketing and claims settlement. Taking Yuanbao as an example, after the big model was introduced into the claims review process, the information collection time of a single medical document was reduced to 0.2 seconds, and the pass rate of online one-time review reached 97%, which promoted the speed of claims decision-making by 50%. In addition, Yuanbao combines a large-scale customer service robot, which has stronger understanding, expressive power and professionalism, and can solve complex professional problems in a more popular and understandable language, greatly improving the problem solving rate.

In 2024, AI big model will be accelerated in China insurance industry. In the future, the mode of "artificial+large model service" is expected to change the impression that insurance is difficult to understand, invest and compensate, enhance the public’s acceptance of insurance, and then enhance the popularity of insurance.

Online trend speeds up. Future online insurance purchase is expected to overtake offline.

In terms of exposure channels, in 2023, consumers are more inclined to learn about insurance brands through social media (58%), online channels of insurance brands (39%), short video apps (33%) and other online channels. Young people prefer social media and content platforms, while the elderly prefer short video apps.

In terms of insurance purchase channels, the traditional offline outlets/agent channels (70%) are still the first choice for insurance purchase. However, compared with 2022, the online insurance purchase rate of consumers of all ages generally increased in 2023, and the offline insurance purchase rate decreased. The higher the income, the higher the education level and the higher the city level of consumers, the more inclined they are to buy insurance online. It is worth mentioning that the preference of the elderly for online has increased significantly. The online insurance purchase rate of elderly respondents aged 51 to 60 has increased from 63% in 2022 to 72% in 2023.

The top three reasons for consumers to purchase insurance online are "flexible payment" (52%), "convenient insurance" (49%) and "convenient self-inquiry and product selection" (46%). The higher the income and the higher the city level, the more attention is paid to the convenience, autonomy and less harassment of the insurance process; The lower the income and the lower the city level, the more attention is paid to the recommendation of relatives and friends. In the future, online channels will increase significantly, and 82% of the respondents plan to purchase insurance online, surpassing offline channels (76%).

However, about 8% of consumers who have bought insurance online may be "lost" in the future. 40% of the respondents are "worried about information security risks in online purchases"; 34% of the respondents are worried about "insufficient insurance notification"; 32% of the respondents are worried that "no one can be found and it is difficult to make claims".

Faced with consumers’ doubts about online insurance purchase, Internet insurance institutions should strengthen data security protection and privacy management, constantly optimize service processes, pay close attention to changes in regulatory policies and maintain compliance operations. With the joint efforts of supervision and industry, consumers’ concerns will be gradually dispelled, and the "online" experience will be continuously improved to achieve new breakthroughs.

Taking advantage of the situation, China insurance industry will usher in a new leap.

In 2023, China’s economy continued to pick up, with GDP exceeding 126 trillion yuan, up 5.2% over the previous year. The steady development of the macro economy has driven the insurance industry to achieve a significant recovery. In 2023, the original insurance premium income was 5.12 trillion yuan, a year-on-year increase of 9.14%. Under this background, under the guidance of supervision and the joint efforts of the industry, Internet insurance in China has also entered the "fast track" of high growth and high quality development.

Wei Chenyang said that China’s economic development is full of resilience, and the development prospect of the insurance industry is considerable. We are full of confidence in the transformation and upgrading of the insurance industry in China. In the future, Tsinghua Wudaokou, as a smart financial research and cooperation platform, will continuously establish connections with regulators, industry and academia, build an industry exchange platform, and promote the insurance industry to be stable and far-reaching and achieve high-quality development.

Fang Rui said that we are standing at a new historical intersection, and the demand preferences of insurance consumers are changing with each passing day. In the future, Yuanbao will continue to take consumers as the center, insist on the innovative development of Internet insurance driven by science and technology, keenly grasp the pulse of the times, and meet the needs of consumers with diversified, aging and intelligent products and services under the new situation of China’s economic upgrading and transformation, demographic changes and scientific and technological development, so as to promote the high-quality development of the Internet insurance industry and meet the new round of industrial innovation.

　　BEIJING, Beijing, September 30 (Reporter Ying Ni) On the 30th, the Palace Museum released the "Suggestions on Visiting the Eleventh Golden Week", advising the audience to avoid the peak travel during the peak hours from 10:00 to 13:00 every day, and reminding them that there are many fine exhibitions to choose from. I hope the audience can prepare in advance.

　　The full text of the proposal is as follows:

　　The "Eleventh" Golden Week in 2017 is approaching. In order to ensure the audience’s visiting atmosphere and cultural experience, the Palace Museum puts forward the following suggestions, hoping that everyone can visit at the wrong peak and travel safely.

　　1. The number of visitors to the Palace Museum changes regularly every day. It is suggested that visitors avoid the peak hours from 10:00 to 13:00 every day to make the visit more comfortable.

　　2. The daily visit to the Palace Museum is limited to 80,000 person-times, and the on-site ticket window will stop selling tickets at the right time according to the specific situation. Travel agencies and visitors are requested to make an online reservation as much as possible to avoid the hardship of queuing up to buy tickets on the spot, and they can take a special reservation channel for priority access during security inspection. The website of ticket reservation is http://gugong.228.com.cn, and the customer service telephone number is 400-622-8228.

　　The official website of the Palace Museum has detailed information such as opening hours, exhibition information, suggested tour routes, etc. The audience can make preparations in advance as needed. During the Eleventh Five-Year Plan period, in addition to the permanent exhibition, the audience can also visit the "Special Exhibition of Zhao Mengfu Painting and Calligraphy" being exhibited in Wuyingdian Painting and Calligraphy Museum, and the "Thousands of Miles of Rivers and Mountains — "Special Exhibition of Green Landscape Paintings in Past Dynasties", exhibited in Changyin Pavilion and Yueshilou Opera Hall, and "Tianlu Yongchang — — Special Exhibition of Ruilu Cultural Relics in the Forbidden City and Feeding Deer in the Garden Circle of Cining Palace, "Sissi Princess and Hungary: 17-mdash; 19th century Hungarian aristocratic life exhibition ","Ming Dynasty imperial kiln porcelain — A comparative exhibition between the unearthed imperial kiln site in Jingdezhen and Hongzhi and Zhengde porcelain handed down from ancient times in the Palace Museum.

　　4. The Palace Museum has implemented a comprehensive "no smoking", and lighters are forbidden to be brought into the hospital. It is suggested that the audience should not bring inflammable and explosive dangerous goods to avoid trouble during security inspection.

　　In order to avoid being abducted by illegal "one-day tour" tourists, black tour guides, unlicensed tour operators and other illegal people, I hope the audience will be vigilant and not be deceived.

　　6. Please visit in a civilized manner, and do not litter, climb rocks, carve or draw pictures, or climb over the guardrail, so as to jointly maintain a clean and orderly visiting environment and protect the cultural heritage with us.

　　7. The number of complaints from visitors to the Palace Museum is 85007027, and there is a special person on duty to receive them. Telephone number of medical ambulance station: 85007120.

CCTV News:On February 16th, the seventh day of the first month, the Spring Festival holiday entered the countdown. The flow of people returning home, going out to work, and short-distance traveling overlap, and Spring Festival travel rush has ushered in another peak period. The national railways are expected to send 15.3 million passengers, and 1813 additional passenger trains are planned. According to the analysis of ticket sales, on the 16th, Beijing, Guangzhou, Chengdu, Chongqing, Xi ‘an, Wuhan and other cities had more departing passengers, while Beijing, Shanghai, Guangzhou, Shenzhen and Chengdu had more arriving passengers. The major stations in Beijing, Tianjin and Hebei ushered in the peak of return passenger flow, and the Beijing area is expected to reach 727,000.

Civil Aviation Administration: Increase the capacity reserve and supply of popular routes

The reporter learned from the Civil Aviation Administration that on February 16, civil aviation passenger transportation continued to operate at a high level, with an estimated 2.38 million passengers. The Civil Aviation Administration requires to increase the capacity reserve and supply of key time periods and popular routes.

On the 16th, it is estimated that 17,700 flights will be guaranteed and 2.38 million passengers will be transported. From the passenger booking volume, popular routes include Beijing — Shanghai, Beijing — Chengdu, Beijing — Shenzhen, Beijing — Guangzhou and Shanghai — Guangzhou, etc.

The Civil Aviation Administration requires relevant units to increase the reserve and supply of transportation capacity in key time periods and popular routes, scientifically allocate transportation capacity, operate according to laws and regulations, and formulate reasonable prices and sales strategies; Inform passengers about abnormal flight information as soon as possible, do a good job of communication and coordination between civil aviation operating units and other transportation related units as soon as possible, evacuate passengers affected by abnormal flights as soon as possible, and provide passenger service in time. The Civil Aviation Administration, regional civil aviation administrations and regulatory bureaus will also strengthen the supervision of the air transport market to ensure a stable and orderly air transport market.

Shanxi: Railway ushered in the peak of return passenger flow.

In Taiyuan, Shanxi Province, railway travel ushered in the peak of return passenger flow, and the railway side eased the passenger flow pressure by adding more trains.

According to the reporter from the General Station, on February 16th, the number of passengers increased significantly. According to the ticket sales, Taiyuan Railway Station and Taiyuan South Railway Station sent a total of 135,000 passengers and reached 110,000 passengers. This figure has reached the highest single-day passenger flow during Spring Festival travel rush, which is about 20% higher than the peak of the previous year. At present, the sending situation is relatively stable. Years ago, the time for everyone to go home was relatively scattered, but in recent days, it has been the end of the holiday. After the year, tourism and return trips are highly superimposed, and the passenger flow is more concentrated than usual.

Judging from the current ticket sales situation, from the sixth day of the first month to the ninth day of the first month, the departure from Taiyuan is mainly based on business and tourist flows to Beijing, Tianjin, Shenyang, Zhengzhou and Guangzhou. In addition, near the end of the holiday, the number of short-distance transit passengers in Linfen, Yuncheng, Datong and Changzhi in Shanxi Province has also increased significantly. In order to relieve the pressure of passenger flow, in five days from 16th to 20th, the station added 25 pairs of high-speed EMUs and 9 pairs of general-speed trains from Taiyuan to Beijing, Tianjin and Xi ‘an, and added 28 pairs of EMUs for reconnection, that is, the EMUs of the previous 8 cars were added and hung into 16 cars. During the return trip, the two stations in Taiyuan added a total of 105,000 starting seats.

This year, Taiyuan South Railway Station added a transfer corridor for the situation that there are many transfer passengers, so that there is a transfer corridor on the east and west sides of the exit, which not only reduces congestion, but also saves passengers’ time. In addition, for passengers whose transfer interval is within 30 minutes, there is also an express passenger transfer channel at the station. Passengers can take the elevator directly from the arrival platform to the ticket gate of the departure platform, and the transfer between platforms is realized without going through the waiting hall, which is very convenient.

Although you can get on the train by swiping your ID card now, there are still passengers who need to get tickets or reimbursement vouchers. Therefore, this year, the station added six automatic ticket vending machines at the entrance, exit and waiting hall to facilitate passengers to pick up tickets or print reimbursement vouchers nearby. Finally, the railway reminds everyone that the passenger flow is very concentrated these days, and the majority of passengers who are going to take the bus must leave early and arrive at the station earlier to prevent the trip from being delayed due to road congestion around the station or many travelers.

Hainan Railway is expected to send 167,000 passengers on 16th.

The reporter learned from Haikou Train Depot of Hainan Railway that the passenger flow of Hainan Railway entered the peak period of return journey, with an average of 124.5 pairs of passenger trains running every day.

On February 16th, Hainan Railway is expected to send 167,000 passengers, a year-on-year increase of 36.7%. According to reports, the return passenger flow in Hainan during the Spring Festival this year has increased significantly compared with last year, and the peak passenger flow after the holiday is expected to last until February 25. In order to cope with the peak return passenger flow, Hainan Railway runs 124.5 pairs of passenger trains every day, including 54 pairs of high-speed trains around Hainan, 64.5 pairs of trains in the suburbs of Haikou and 6 pairs of passenger trains entering and leaving the island.

Guangzhou Bureau of China Railway said that due to the limitation of the transport capacity of the cross-sea railway ferry, at present, the cross-sea railway ferry has operated 32 times a day, fully meeting the entry and exit of six pairs of passenger trains, and at the same time ensuring the supply of key materials such as cars and people’s livelihood in Hainan Island, and the transport capacity has been running at full capacity.

The passenger flow of vehicles leaving the island in Qiongzhou Strait has been running at a high level for several days.

Since Spring Festival travel rush this year, the number of vehicles and passengers entering and leaving the island in Haikou’s three major ports has surged, reaching a record high in the same period. From January 26th to February 14th, there were 2605 flights out of Qiongzhou Strait, with about 1.24 million passengers and 600,000 vehicles.

The reporter saw outside the port of Xinhai Port that the vehicles queuing across the sea had long queues. According to the ticket sales information of Haikou’s three major ports, from February 15th to 17th, more than 20,000 cars were booked to leave the island every day. It is estimated that about 100,000 passengers will be transported out of the island every day, and the passenger flow has been maintained at a high level for several days, exceeding the peak level in previous years.

Civil Aviation Administration: Take Multiple Measures to Deal with the Peak of Sanya Tourism Return.

On February 16th, the Civil Aviation Administration said that it had paid attention to the voice of shortage of economy class air tickets and high business class air tickets for Sanya’s return trip, and was instructing relevant units to quickly establish a work coordination mechanism with up-and-down linkage and efficient operation. On the basis of the previous work of capacity allocation, special scheduling and multiple measures were taken to ensure passengers’ travel.

According to reports, in order to ensure the smooth travel of passengers during Spring Festival travel rush, the Civil Aviation Administration approved China Southern Airlines, Hainan Airlines, Sichuan Airlines and Capital Airlines to arrange 34 overtime flights a day on popular routes involving Haikou in the early stage.

On February 15th, combined with the progress of the construction of eight stands in Sanya Airport, the Central South Regional Administration was urgently organized to evaluate the airport ground and air traffic control support capacity and restore the supply at all times. Air China, China Southern Airlines and Hainan Airlines are arranged to add an average of 13 flights in and out of Sanya every day, while China Eastern Airlines is arranged to temporarily add 10 flights in and out of Boao every day to further meet the return needs of passengers in Spring Festival travel rush.

During the period of Spring Festival travel rush, Sanya Airport operated 136 wide-body aircraft daily, accounting for 36% of the total transport flights of Sanya Airport. Haikou Airport runs 89 wide-body aircraft on average every day, accounting for 13.78% of the total transport flights at Haikou Airport, and the operation volume of wide-body aircraft at both airports has exceeded the historical maximum.
　　　　　　　 The Civil Aviation Administration said that it will continue to strengthen the monitoring and supervision of the air transport market to ensure a stable and orderly air transport market.

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The exterior design of BMW i4 is unique, and the front face adopts the classic kidney-shaped air intake grille. However, unlike the traditional fuel vehicle, the grille of this electric vehicle adopts a closed design with blue decorative strips, which shows its environmental protection status. The overall lines are smooth, and the waistline on the side of the car body extends from the front of the car to the rear of the car, outlining a very dynamic outline. In the rear part, the LED taillights have a unique shape, which echoes the front face design and shows the unique aesthetic style of BMW i4.

The body size of BMW i4 is 4785mm*1852mm*1455mm, the wheelbase is 2856mm, the front track is 1601mm, and the rear track is 1630mm. The body lines are smooth and dynamic, and with 18-inch rims, the front tyre size is 245/45 R18, and the rear tyre size is 255/45 R18, which shows the sporty style while giving consideration to the sense of luxury.

The interior design of BMW i4 is both modern and luxurious. The 14.9-inch touch screen on the center console is not only large in size, but also integrates rich multimedia system, navigation and voice recognition control functions. The steering wheel is made of high-quality leather, and the up and down and front and rear positions can be manually adjusted, providing a comfortable operating experience for the driver. In terms of seats, BMW i4 offers a variety of material choices, including imitation leather, genuine leather and leather /Alcantara mix and match. The main and auxiliary seats have various adjustment functions, such as front and rear, backrest, height, leg rest and lumbar support adjustment, and also support the heating function of front seats. In addition, the driver’s seat is also equipped with electric seat memory function, and there is a wireless charging area for mobile phones under the front seats. The car is also equipped with sufficient USB and Type-C interfaces to facilitate passenger charging and data transmission.

BMW i4 is equipped with a powerful motor with a maximum power of 210 kW and a maximum torque of 400 Nm. This power configuration provides excellent acceleration performance and driving experience for the vehicle.

The owner of car home spoke highly of the BMW i4, with special emphasis on the sound insulation effect, abundant power and eye-catching design. He pointed out: "I don’t think I will lose my sister Mercedes-Benz if the volcanic red interior is made." This evaluation undoubtedly reflects the excellence of BMW i4 in design and quality.

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The exterior design of Roewe RX5 new energy is full of dynamic and technological sense. The front face adopts a large-area chrome-plated air intake grille with a sharp headlight group, which makes the whole car look more atmospheric and fashionable. The body lines are smooth, showing a simple and sporty style. The overall design highlights the unique personality of Roewe brand, which is unforgettable.

Roewe RX5 new energy has a body size of 4655mm*1890mm*1664mm and a wheelbase of 2765mm. The side lines of the car body are smooth, showing the sense of movement and fashion. At the same time, the front track and the rear track are 1590mm and 1584mm respectively, which ensures the stability and handling of the car. This model is equipped with 19-inch wheels and 225/55 R19 tires, which not only improves the grip of the vehicle, but also adds the sporty atmosphere of the whole vehicle.

Roewe RX5 new energy interior design style is simple and generous, leather-wrapped steering wheel feels comfortable, supports manual up and down and front and rear adjustment, and provides a good control experience for drivers. The 12.3-inch central control screen has high definition, and supports voice recognition to control multimedia systems, navigation, telephone, air conditioning, skylight and other functions, which is convenient for drivers to operate. The seat is made of imitation leather. The main driver’s seat has the functions of front and rear, backrest and height adjustment, and the co-pilot’s seat also supports front and rear and backrest adjustment, which improves the riding comfort. The rear seats can be laid down in proportion, which increases the flexibility of storage space.

Roewe RX5 New Energy is equipped with a 1.5T L4 engine, with a maximum power of 138kW (188HP) and a maximum torque of 300N m. With AMT (combined 10-speed) gearbox, it brings strong power output and smooth shifting experience to the vehicle.

He spoke highly of the appearance and interior of Roewe RX5 new energy. He mentioned that the overall appearance of the car is beautiful, the front face design is sharp and domineering, and the LED headlights at night are full of personality, and the rear penetrating headlights design makes people feel comfortable. He also particularly likes the black interior, which he thinks looks textured.

　　According to the arrangement of the Anhui Provincial Party Committee on carrying out thematic education and Daxing investigation and research, on May 29th, Wang Qingxian, governor of Anhui Province, made a research in relevant foreign trade enterprises in a wait-and-see manner, focusing on understanding the situation of enterprises exploring markets and providing services for foreign trade enterprises by using the Internet platform. He stressed that it is necessary to persist in promoting foreign trade to promote stability and improve quality as an important support for steady growth, focus on the core concerns of market players, take the initiative to provide more accurate and convenient services for enterprises, take various measures to help enterprises grab orders and expand the market, and continuously enhance the high-quality development momentum of foreign trade. Vice Governor of Anhui Province participated in the survey one way ago.

　　Since the beginning of this year, Anhui’s import and export has shown a good trend of steady progress and enhanced kinetic energy, which has played an important role in strengthening the provision of online and offline services to foreign trade enterprises. In Yitong Enterprise Service Co., Ltd. and Anhui International Trade Group, Wang Qingxian learned about the construction and operation of cross-border supply chain platform and foreign trade comprehensive service platform in detail, and requested to further improve the platform functions, closely focus on the demand points, pain points and blocking points in import and export business, expand the "one-stop" service function, improve the level of market-oriented operation and promotion, and incite foreign trade potential with service upgrading.

　　During the investigation, Wang Qingxian hosted a forum to listen to the work reports of relevant provincial departments and the opinions and suggestions of some foreign trade enterprises, and put forward requirements for the next step of stabilizing foreign trade. We should do our best to implement the State Council’s new policy of stabilizing the scale and optimizing the structure of foreign trade, sort out the actual demands of foreign trade enterprises, and constantly enrich, adjust and improve the relevant support policy system in our province. It is necessary to give full play to the positive role of the platform in stabilizing foreign trade, build a comprehensive foreign trade service platform with an open mind and market-oriented mechanism, select high-end professional operation and management teams, extensively link foreign trade resources, expand trade matching, service docking, financial services and other functions, and strive to build an industrial Internet in the foreign trade field that serves the whole province, radiates the whole country and links the whole world. It is necessary to improve the working mechanism of stabilizing foreign trade, strengthen precise assistance with "one enterprise and one policy", improve service quality and efficiency in a targeted manner, actively help enterprises solve practical difficulties in market expansion, customs clearance and export tax rebate, and make greater efforts to promote the stable scale and excellent structure of foreign trade in the province. (Reporter Wu Liangliang)

　　Recently, the Second Financial Court of Nanchang City, Jiangxi Province concluded a financial loan contract case, and the guarantor’s defense that the Guarantee Contract he signed was a blank contract and should not bear the guarantee responsibility was not accepted by the court. In the end, the court ordered the guarantor to bear joint liability for the principal and interest of the loan involved on the grounds that signing a blank contract was regarded as unlimited authorization for the contents of the contract.

　　In April 2018, Zheng signed a "Loan Contract for Household Consumption" with a bank, stipulating that the loan amount is 150,000 yuan, and the purpose of the loan is decoration. The loan period is 24 installments, and the monthly interest rate is 1.7%. If the debtor fails to repay in full and on time, the lender has the right to announce that all or part of the debts under this contract will expire immediately at any time. Song signed a "guarantee contract" with a bank, promising to bear joint and several repayment responsibilities for the above loans.

　　After signing the above contract, a bank issued a loan of 150,000 yuan to Zheng, but it failed to repay it in full and on time. As of March 2019, Zheng’s unpaid principal was 117,854.39 yuan, interest was 9,117.43 yuan, and penalty interest was 2,120.18 yuan, so a bank sued Zheng and Song to the court.

　　During the trial, the defendant Song argued that in the Guarantee Contract, except for the signature, seal and ID number of the signature place, other contents including the scope and duration of guarantee were filled in by others afterwards. As the Guarantee Contract is a blank contract, it should not bear any responsibility. Because the handwriting in the contract obviously does not match the writing characteristics of the contractor, a bank did not deny filling in other contents of the contract on behalf of the contractor afterwards.

　　During the trial, the two sides had a heated debate on whether the guarantee act was legally effective.

　　A bank of the plaintiff believes that the guarantee act has legal effect. Song, the guarantor, knows that the key contents in the guarantee contract are still blank, and submits the contract with blank contents to the other party of the contract, which shall be regarded as unlimited authorization for the guarantees in the contract contents, and the other party of the contract can fill in the corresponding contents in the blank parts. Therefore, Song should bear joint and several liability for guarantee.

　　The defendant Song believes that the guarantee behavior has no legal effect. The blank contract does not meet the formal requirements of the contract stipulated by law, and the relevant contents of the contract, including the scope of guarantee and the duration of guarantee, are filled in by others afterwards. The two sides failed to reach an agreement on this, so Song does not assume any responsibility.

　　After the trial, the court held that the guarantor Song did not provide evidence to prove that there were legal reasons such as fraud and coercion when signing the contract, so the contract should be considered as the true intention of both parties and valid according to law. The guarantor Song signed and sealed the blank guarantee contract, and the guarantee behavior took legal effect and should bear joint and several guarantee responsibilities. The Second Financial Court of Nanchang made the above judgment according to law.

　　Signing a blank contract can be regarded as unlimited authorization.

　　After the court, the judge introduced that the Supreme People’s Court publicly released a similar case in October 2018 regarding the validity of signing a blank contract. "(2018) Supreme People’s Republic of China Shen No.3112", "Civil Ruling on retrial review and trial supervision of guarantee contract disputes by Lei Hongming and Liang Jianxue", the Supreme People’s Court thinks: "If the retrial applicant Lei Hongming gives the contract with blank contents to the opposite party, it shall be regarded as unlimited authorization for the contract contents including the guarantee items in the Guarantee Contract, and the opposite party can fill in the corresponding contents in the blank part."

　　In this case, when the contract was signed, there was no evidence of fraud or coercion. Signing a blank contract shall be regarded as unlimited authorization for the contents of the contract. As a civil subject with full capacity for civil conduct, the guarantor Song should be responsible for his signature and stamping, especially when signing and stamping a blank contract, he should foresee and bear higher risks. Now the guarantor Song knows that the key content in the guarantee contract is still blank, and he takes a indifferent attitude towards the corresponding legal risks, which should be regarded as unlimited authorization for the guarantee scope and guarantee period in the Guarantee Contract, and the other party of the contract can fill in the corresponding content in the blank part. In order to protect the stability and convenience of the transaction. In civil acts, signing and stamping means commitment. If there is a blank in a contract clause when signing and stamping, it should generally be presumed that the signing and stamping party already knows the content of the clause. From the principle of "encouraging transactions" and maintaining the stability and convenience of transactions, it should also be regarded as the signing and stamping party authorizing the other party to fill in relevant clauses in the contract. Accordingly, the court made the above judgment.

　　It can be seen that there are significant legal risks in signing blank contracts. When signing relevant contracts, the public should carefully examine the contents of the contract, read the text of the contract carefully, and sign carefully on the premise that they fully understand the rights and obligations of both parties. If there are blank clauses in the contract, both parties shall reach an agreement through further consultation and fill in the contract completely. If there is no agreement on some terms for the time being, it is better not to sign it than to sign a blank contract. It should be noted that signing a blank contract means infinitely authorizing the other party to fill in the corresponding contents in the blank part, which is equivalent to handing over their contractual rights, resulting in huge losses and having to pay the bill themselves.

　　Paying attention to "social distance" and pursuing communication without burden, "lightweight" and "shallow" socialization are becoming more and more common among young people. But at the same time, some young people feel that the "barrier" between people is getting thicker and thicker, and it is more difficult to make intimate friends. According to a survey conducted by the Social Investigation Center of China Youth Newspaper, 95.2% of the young people interviewed can contact less than six people when they need to talk or help. What changes have taken place in the social needs of young people? What are the challenges? In the new issue of "Parameters" produced by China Youth Newspaper, many young people shared their views.

　　Pay attention to the sense of social boundaries, but also eager for close partners.

　　In Beijing Chaoyang Park, when the reporter met Xu Shuchang, a college student, she was having a picnic and playing games with her friends. Regarding socialization, she said that she usually prefers face-to-face contact with people. If the time is right, she will organize some offline activities and get together with friends.

　　Wang Mingfei, a college student in Beijing, admits that he has some "social fears". He usually prefers online communication. When interacting with people, he is generally a participant and listener, and he is afraid to take the initiative to organize the bureau. As for the popular social interaction of "partners", she thinks that "partners" are usually people who have a common topic, common interests or have the same frequency in their lives for a period of time. "If we can have such a relationship, it is also very good."

　　"The meaning of’ partners’ and good friends is different." Wang Wenhao believes that "partners" are temporary partners formed because of some common hobbies, mainly to relax and entertain, while good friends are people who can share daily trivialities and seek comfort, and people who can keep in touch and associate with each other.

　　Wang Wenhao thinks that the social rhythm is very fast now, and the pressure of work and life is relatively heavy. In order to get a relaxed and comfortable experience, everyone will "lighten the burden" on personal relationships, so "lightweight" socialization is becoming more and more common, but for themselves, close friends are indispensable. "In daily life, I often contact five or six friends. From them, I can not only learn many interpersonal skills, but also try my best to help me and comfort me when I need it."

　　"When I get along with others, I attach great importance to the atmosphere of communication, such as whether I am relaxed and comfortable together. If the other person is strong, I will be very stressed and will reject the interaction with him or her." Wang Mingfei said.

　　"Even between friends, we should maintain a certain sense of boundary when communicating." Huang Yanling, a 22-year-old, said that she is a person who is sensitive to words. If a friend makes jokes without a sense of boundaries, she will mind very much. "I hope that everyone will have a sense of boundary in the process of getting along with friends."

　　"Attaching importance to the sense of boundary and tending to socialize with interest are the main characteristics of young people’s socialization at present." Hu Penghui, a teacher at the School of Sociology, Huazhong University of Science and Technology, analyzed that many young people now have a simple purpose of interacting with others, which is not utilitarian, mainly to satisfy their personal interests. Social methods such as "partner" socialization and game socialization are popular among young people, because this kind of precise companionship in the vertical field can better meet their emotional needs.

　　Socializing is easier and more convenient, but bosom friends are hard to find.

　　After 00, Wang Linhan felt that with the growth of age, fewer and fewer people can communicate deeply. While the internet age makes communication simple and convenient, it is more difficult to find intimate friends. "I have more than 1,000 WeChat friends, but there are only twenty or thirty people who are usually in close contact. If they are people who can talk or ask for help, this number will further decline, only a few people."

　　Xu Shuchang believes that in the current environment, it is simpler and more difficult to maintain a deep relationship. "The simplicity lies in that everyone has the opportunity to choose the friends they want to associate with, but the gap between people seems to be getting deeper and deeper, and it is more difficult to make friends."

　　Wen Jianghao is a graduate this year, and saying goodbye to his friends is his unforgettable memory this summer. He said that at every stage of life, there will be close partners around you. After graduation, everyone will still exchange recent events, but with the change of environment, the common topics will gradually decrease, and with different circles, it will be more difficult to maintain the previous relationship. However, he is not pessimistic about this change. "It is natural for friends to get together and be separated. If they are like-minded, they will naturally communicate with each other. There is no need to communicate in order to maintain a deep relationship. Making friends should not be a burden."

　　When she entered her senior year, Huang Yanling felt the subtle changes in her relationship with her friends. "Some students are preparing for the postgraduate entrance examination, and some students are internship. When everyone has different directions, the contact will be much less than before, and it will become difficult to maintain a deep relationship."

　　Hu Penghui analyzed that at present, it is in the era of rapid mobility, and the originally stable social relations have gradually become fragile with the flow of individuals, so many people will find that their childhood playmates have "disappeared". In this social state, everyone is very busy, personal time is compressed, and it is difficult to have time and energy to maintain deep communication, which is the objective reason why deep socialization becomes difficult.

　　"In addition, establishing and maintaining deep relationships requires social skills and social awareness, such as whether you can understand other people’s emotional expressions and respond to other people’s emotional demands in the process of communication." Hu Penghui believes that some young people lack training in this field when they grow up, which affects their social skills, and often shows that they want to interact with others but don’t know how to interact. He further analyzed that the current network is very developed, and the tentacles of the network extend to every corner. Personal emotional needs can be obtained almost through the network and through purchase, which reduces the importance of social network to provide support to individuals and makes the deep communication relationship seem to be "dispensable".

　　People are emotional animals, and deep social interaction is essential.

　　Wang Mingfei believes that everyone needs someone who has deep communication, which not only makes life more interesting, but also improves his thinking ability and expression ability and obtains different emotional experiences in deep communication with others. "If getting along with people is all a nodding acquaintance, and no one really understands you, it is very lonely to have a deep exchange of ideas with you."

　　"I am a sociable person. Walking and having dinner with friends not only allows me to take a short break from my busy study, but also gives me spiritual comfort and relaxes my body and mind." Huang Yanling feels that maintaining a deep relationship requires the joint efforts of both sides. "If only one party is close to the other, such socialization is very energy-consuming and difficult to last."

　　Wen Jianghao believes that if you want to build a profound friendship, you must first be able to chat with each other. This requires a common growth background or something to experience together. In addition, in the process of getting along, you must respect each other and remain sincere. This relationship is solid and reliable. "Although the social environment and life scenes are constantly changing, individuals can exert their subjective initiative and actively keep in touch with friends."

　　"People just need to socialize deeply." Xu Shuchang said that everyone needs to have an emotional outlet, and good friends can often provide sufficient emotional value to alleviate their negative emotions. "Living with friends you want to associate with, and learning to know yourself and others from getting along, this is the meaning of socialization."

　　Hu Penghui emphasized that in a relationship, there are both positive feedback and negative feedback, so it is particularly important to learn to deal with negative feedback in the relationship. "People are emotional animals. Individuals should realize the importance of deep socialization and learn to bear the necessary costs and costs in the process of establishing and maintaining deep socialization." Hu Penghui believes that for the whole society, it is necessary to pay attention to what factors are restricting people from establishing deep relationships, and at the same time, to provide people with more opportunities for emotional social training, to encourage young people to establish deep social awareness in real communication, and to improve their social skills.

　　"It is necessary to establish a deep connection with people. Many important moments in life need to be witnessed by relatives and friends. With their blessing and recognition, those moments are meaningful." Wang Wenhao said.

　　Zhongqingbao Zhongqingwang reporter Wang Zhiwei Baiyang

　　CCTV News:It was learned from the Emergency Management Department that as of 6: 00 on the 19th, the Sichuan Changning earthquake with a magnitude of 6.0 had caused 168,000 people to be affected, 13 people died, 199 people were injured and 15,897 people were resettled. According to preliminary investigation, 22,000 houses collapsed and were damaged. The damage of houses is being appraised, and the detailed disaster situation is still under further statistical verification. Relief materials such as tents, folding beds and quilts urgently allocated by the Emergency Management Department and the State Grain and Material Reserve Bureau arrived in the disaster area on the 18th and were distributed to the affected people in an orderly manner.

　　At present, the earthquake victims have been treated quickly, the affected people have been basically resettled, most of the power and interrupted roads in the disaster area have been restored, and the preliminary investigation of the disaster situation in 10 affected towns, 159 natural villages and 15 residential communities in Changning County has been basically completed, and the production and life in the disaster area are basically normal.

　　At 15: 00 on June 18th, the working group of the Emergency Management Department arrived in the disaster area, focused on understanding the resettlement of the affected people, and put forward guiding measures and suggestions for local earthquake relief, proper resettlement of the people, investigation of hidden dangers, prevention of secondary disasters caused by earthquakes, and social stability.