分类： gdgf

Note: The bar chart is the top 10 insurance companies (unit: piece) with complaints about Internet insurance consumption in 2018.

　　On December 13th, some Internet insurance companies received the Regulation Measures for Internet Insurance Business (Draft for Comment) issued by the regulatory authorities on a small scale, which triggered a heated discussion in the industry. According to a survey conducted by Guangzhou Daily’s all-media reporters, Internet insurance has been questioned constantly, among which Beijing Huaxia Insurance Brokerage Co., Ltd. and Beijing United Insurance Brokerage Co., Ltd., which are wholly-owned by Headlines today, have attracted much attention. Yesterday, the Guangzhou Daily reporter learned about the questioning of relevant compliance from today’s headlines, and the headlines said that they would not comment.

　　Guangzhou Daily All-Media Reporter Chen Lili and Ni Ming

　　Phenomenon 1: The compliance of insurance sales on content platforms is questioned.

　　"Many third-party platforms get insurance brokerage licenses by acquiring insurance brokerage companies, thus getting involved in the insurance industry." An insurance expert who did not want to be named said that the compliance of such platforms to carry out Internet insurance business was questioned. The reporter found that there are three kinds of Internet insurance brokerage platforms at present: Internet intermediary channels, Internet scene channels and Internet traffic channels. Internet platforms have become the first type of enterprises to test Internet insurance.

　　The reporter found that there are more doubts about the compliance of content platforms selling insurance. Among them, today’s headline parent company Fujian ByteDance Technology Co., Ltd. acquired 100% equity of Beijing Huaxia Insurance Brokerage Co., Ltd., and after winning the insurance brokerage license, its business compliance has been questioned.

　　However, yesterday, the reporter searched for the "number one insurance" (the exclusive service insurance platform for headline users) on its APP platform. At present, more than 20 insurance products are in normal sale. Regarding the voices questioned by the outside world, yesterday’s headlines said that they would not comment.

　　The voice of doubt is unique. Xuzhou Business Department of Beijing United Insurance Brokerage Co., Ltd. was also warned by Jiangsu Supervision Bureau of China Banking and Insurance Regulatory Commission, China, and fined 20,000 yuan for compliance problems. As an insurance broker, when he undertook the business record account of personal accident insurance, a kindergarten student in a certain city in 2016-2017 and 2017-2018, more than 250,000 people failed to record the insured’s name, insurance amount, insurance premium delivery, etc., and after registering the "XXX Online" website with Jiangsu in October 2016, the insurance brokerage business was carried out through the above platform without the authorization and permission of Beijing United Insurance Brokerage Co., Ltd., and the relevant website was not on the website of insurance association of china.

　　Phenomenon 2: Internet insurance consumer complaints become a pain point

　　With the rapid development of Internet insurance, while providing consumers with convenient purchase methods, consumer complaints have also soared. In the first three quarters, the data released by China Banking and Insurance Regulatory Commission showed that Yi ‘an Property Insurance and Anxin Property Insurance were the first and second places where property insurance companies were suspected of violating laws and regulations, including 308 complaints against Yi ‘an Property Insurance, up by 30,700% year-on-year; There were 99 complaints about Anxin Property Insurance, up 4850% year-on-year.

　　The reporter found that the top 100 million premium complaints are still mostly professional Internet insurance companies, among which the top two complaints are Yi ‘an Property Insurance with 113.97 pieces/100 million yuan and Anxin Property Insurance with 69.62 pieces/100 million yuan.

　　According to the statistics of last year, in 2018, China Banking and Insurance Regulatory Commission and its agencies received 10,531 complaints about Internet insurance consumption, up by 121.01% year-on-year. Among them, 8484 property insurance companies were involved, up 128.25% year-on-year; 2,047 personal insurance companies were involved, up 95.32% year-on-year. It mainly reflects the problems of insufficient or ambiguous sales notification, unreasonable claims conditions, insufficient reasons for refusing compensation, bundled sales of insurance products, automatic renewal of insurance without consent and so on.

　　The public is worried: What should I do if the Internet platform runs away?

　　"It is really convenient to buy insurance on the Internet platform. What should I do if the owner of the Internet platform runs away?" For the concerns of many citizens, industry insiders admit that although consumers buy online insurance from the Internet platform, the insurance companies are the ones who finally underwrite, underwrite and settle claims.

　　The exposure draft has stricter regulatory requirements on the platform, defines the self-operated network platform and the third-party network platform, and makes it clear that the customer insurance page in the internet insurance business must belong to the self-operated network platform of insurance institutions, and it is clear that it can only be promoted but not sold, and the links need to jump, and customer information cannot be withheld.

　　Key factor: claim settlement becomes a concern.

　　"It is really convenient to buy insurance on the Internet platform, and the supervision is becoming more and more strict. I believe that the compliance issue will continue to improve, but it is really necessary to question whether the claims are reliable." People in the industry admit that online insurance, where the insured is located, has a branch of the corresponding insurance company. This situation is relatively simple, but if the insurance company is in a different place, or there is no local branch, then the time spent by the insurance company is difficult to guarantee.

　　The reporter learned that Yi ‘an Property Insurance was criticized by the regulatory authorities because of the limitation of claims. From June to August, 2019, China Banking and Insurance Regulatory Commission accepted 266 complaints about Internet insurance consumption that reflected the alleged violation of laws and regulations of Yi ‘an Property Insurance, which focused on the limitation of claims of Yi ‘an Property Insurance, involving 270 claims. After investigation, there was a problem that 234 claims were approved beyond the time limit. Specifically, Yi ‘an Property Insurance failed to approve the claims within 30 days after the consumer provided the claims certificate and materials, which violated the provisions of Article 23 of the Insurance Law. The average approval time of 234 overdue claims was 55 days, of which 180 claims were approved within 31-60 days, 42 claims were approved within 61-90 days, 7 claims were approved for more than 90 days, and 5 claims were not approved when they were investigated in China Banking and Insurance Regulatory Commission.

　　Consumer suggestion: Buy Internet insurance products through formal channels.

　　Faced with the current situation of internet insurance, the regulatory authorities believe that the purchase of insurance products through internet channels should be "three attentions". First, pay attention to channels, and consumers should pay attention to buying internet insurance products from formal channels such as online shopping malls of insurance companies and third-party network platforms that cooperate with insurance companies; Second, pay attention to qualifications. Consumers should pay attention to whether Internet insurance business operators have corresponding qualifications and do not buy products sold by unqualified subjects; The third is to pay attention to the products, to identify the authenticity of the purchased products, to read the insurance clauses carefully, and to fully understand the scope of protection and exemption of insurance products.

　　In addition, because it is quite convenient to buy insurance on the Internet platform now, the regulatory authorities reminded that it is clear that buying insurance requires "four looks". The first thing is to look at the demand, that is, to choose the right product according to your family situation and your life stage; Secondly, we should look at the products and buy the corresponding products according to the demand. We should not compare insurance with financial products such as bank deposits, government bonds and funds, let alone use it as a substitute for bank deposits. The third is to look at income. Life insurance premiums for more than one year are divided into one-time payment and installment payment. Consumers should consider choosing insurance products with appropriate payment methods. Generally speaking, the premium expenditure is between 5% and 15% of the annual income. Fourth, look at the terms, we must carefully read the contract terms, especially the coverage and exemption clauses of insurance products, and fully enjoy the risk protection function of insurance.

　　The insiders also reminded that it is best to contact the service platform first to report claims, and under its guidance, collect claims materials and submit them for review. In the case of different places, because it is impossible for insurance companies to go to the field for verification, they will generally recognize the identification of two institutions: the relevant certificates of the public security organs and the diagnosis certificate of the hospital.

[Original Truck House] is a common consumable for old drivers, but do you really know it? Do you know how oil is classified? This issue of accessories knowledge will reveal the secret of engine oil for you.

Engine oil has always been known as the "blood" of automobiles. It is mainly used for lubrication, which can reduce the wear of engine parts and help the engine to dissipate heat. However, there are so many types of engine oil that it is difficult to decide which one is the most suitable for your car. Let’s take a look at how the engine oil is classified.

● 　Classification according to composition from the essence

According to the composition of engine oil, it can be divided into ordinary mineral oil, semi-synthetic engine oil and all-synthetic engine oil.

1. All of synthetic engine oil

Mineral oil is a common lubricating oil. It is made by fractionating useful substances during petroleum refining, and then processing and extracting the remaining bottom oil. Mineral oil has low price, poor service life and lubricity, and strong pollution. Mineral engine oil is changed every 20,000 kilometers, and the replacement cycle is short, which is too much trouble for trucks running long distances.

2. All of synthetic engine oil

All synthetic engine oil is to refine ethylene and propylene dispersed from gas or natural gas in crude oil into lubricating fluid composed of macromolecules through complex chemical reactions such as polymerization and catalysis. It is through artificial chemical reaction of better components in crude oil to achieve the expected molecular form. This kind of engine oil has strong resistance to external variables, good thermal stability and strong resistance to viscosity change, and the general oil change cycle can reach 40 thousand kilometers.

3. Half synthetic engine oil

Semi-synthetic engine oil is made by mixing the products purified by hydro-fission of mineral engine oil with all synthetic engine oil in a ratio of 4: 6. The purity of semi-synthetic oil is very close to that of fully synthetic oil, but its cost is only slightly higher than that of mineral oil, and its lubricating performance and stability are between that of synthetic engine oil and mineral engine oil.

● 　Classify by quality from the scene.

There is a standard scale for engine oil, namely API, which is the abbreviation of american petroleum institute’s evaluation standard for engine oil quality grade. According to the quality of engine oil, it can be divided into CA, CB, CC, CD, CE, CF, CF-4 and CG-4.

Where c stands for special engine oil for diesel engines, the second letter indicates the quality of the engine oil, and the later the letter indicates the higher the quality of the engine oil. For ordinary cars, CD-grade engine oil can work normally, but it is best to use CF-4 or above engine oil for vehicles with high engine oil requirements like Guoliu.

● 　Classification by applicable temperature based on characteristics

In addition to the grade, the viscosity of engine oil at different temperatures can also be seen on the engine oil bottle, and the demand for engine oil viscosity is different for different vehicles under different working conditions, so the American Society of Automotive Engineers (SAE) has made regulations on the viscosity grade of lubricating oil.

Its format is generally 5W50.

Among them, 5W represents the service temperature range of oil products, and w is the abbreviation of winter, which stands for low temperature environment. It can be divided into 0W, 5W, 10W, 15W, 20W, 25W and other levels. The smaller the number, the better its low-temperature fluidity, and the better it can work under low-temperature conditions.

50 indicates the viscosity of engine oil at 100℃, and there are 20, 30, 40, 50 and 60 grades in turn. The higher the number, the higher the viscosity.

5W50 means that the viscosity of this oil meets the requirement of 5W at low temperature and meets the requirement of No.40 at 100℃.

● Editor’s note:

As the blood of a car, the choice of engine oil is very important. Today, through the classification of these three aspects, I believe that everyone should have a preliminary understanding of engine oil. Next time you buy engine oil, you can go and see if it is suitable for your car.

Of course, these are just compiled by Xiaobian in the comments of previous articles through card friends. If there are other precautions, please leave a message below and let’s communicate more.

Security configuration is the focus of most consumers, and it may not be used very often, but it is necessary to have it just in case, and a more comprehensive configuration can often win more consumers’ love. What we said today. Let’s take you to appreciate its style.

Let’s take a look at the appearance of the plug-in hybrid of Willanda. The style of the plug-in hybrid front of Willanda looks very beautiful and unforgettable. The headlights are deep and the design looks very sharp. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light and so on. Coming to the side of the car body, the size of the car body is 4665 mm * 1855 mm * 1690 mm. The car adopts domineering lines, and the car body feels very simple. With large-sized thick-walled tires, the shape is eye-catching. In terms of the rear end, the overall shape of the plug-in hybrid rear end of Willanda echoes the front end, the taillight style is tough, and the overall layout is impressive.

Coming into the car, the plug-in hybrid interior of Willanda looks very round and lovely, and the visual effect is very good. The car looks very good outside the steering wheel, made of leather, and its practicality and face value are not bad. From the central control point of view, the 10.25-inch central control screen is used for decoration, which makes the interior design quite layered, and the overall design of the central control is remarkable. Let Xiaobian introduce the dashboard and seats. The dashboard design is remarkable, giving people a very personal feeling. The car uses a genuine leather/imitation leather mixed seat, and the seat wrapping is in place, and the overall comfort and wrapping are not bad.

In addition, the car is equipped with car networking, driving mode selection, remote control key, Bluetooth key, rear wiper, interior atmosphere light and other configurations.

The moderate size of the car is a very suitable choice for many families, and the internal space is enough for daily use in families. If you are interested in it, you might as well learn more about it!

　　[car home new car listed] At the 2023 Guangzhou Auto Show, Dongfeng Nano 01 officially opened for pre-sale., the pre-sale price range is 798-109800 yuan..The new car is positioned as a small pure electric hatchback, which was created by users and was born in a brand-new electric architecture. As a brand-new electric vehicle brand of Dongfeng Company, Dongfeng Nano brand will focus on the national pure electric vehicle market.

　　In terms of appearance, the front of Nano-01 adopts Dongfeng Shuangfeiyan LOGO, which is designed with a penetrating light group. The special-shaped headlight group has its own characteristics. The daytime running light is C-shaped, and the new car omits the design of the middle net, with a penetrating air inlet and a fangs-shaped decoration. The overall design of the whole front face is simple, and it is expected that the design will also become the family-style design style of the brand.

　　On the side of the car body, the new car adopts the design of suspended roof, and the roof and car body adopt different colors. The new car adopts a four-door layout, has a short front and rear suspension body design, and is equipped with hidden door handles and low wind resistance wheels.

　　The rear of the vehicle looks exquisite like a mini-car. The round taillights look quite cute. The rear of the vehicle is equipped with a large-size tailgate with a good view. The whole tailgate is also designed in two colors, with a nano English logo in the center.

　　In terms of interior, the overall upgrade of the new car is simple, except for the full LCD screen and the floating central control screen, there are no more physical buttons, which creates some scientific and technological atmosphere to a certain extent. There are a lot of rhombic decorations in the car, which gives the new car a certain sense of advanced. The car is equipped with a dual-spoke steering wheel and uses a two-color color scheme. The new car has an intelligent cockpit, which can use voice commands to control the car as much as possible. In addition, the seat in the car can be "flat with one button", turning the seat in the car into a "double bed". The new car also uses frameless doors, and the glove box drawer is also more interesting.

　　In terms of power, the car is driven by pure electricity. The maximum power of the motor is 70kW and the maximum speed is 140km/h, and it is equipped with lithium iron phosphate battery. The car has two kinds of endurance, 330km and 430km respectively. (Text/car home Yan Huan)

[Autohome Chengdu Discount Promotion Channel] Recently, we are conducting promotions in the Chengdu market. You can enjoy a discount of up to 28,000 yuan, and the minimum starting price has been reduced to 188,600 yuan. If you are interested in eπ 008, you may wish to click "Check the car price" in the quotation form for higher discounts.

eπ008采用了流线型的车身设计，整体造型充满科技感。前脸采用了独特的前脸设计，配备了一体式的大灯组，结合下方的进气格栅，营造出强烈的运动感。车身线条简洁流畅，突出运动风格，整体呈现出时尚且具有未来感的外观。

eπ008车身长宽高分别为5002mm、1972mm和1732mm，轴距达到3025mm，前轮距和后轮距均为1650mm。侧身线条流畅且动感十足，搭配21英寸的轮圈，采用265/45 R21的轮胎规格，整体展现出强烈的运动氛围。

eπ008的内饰设计兼具现代感与舒适性，以简洁流畅的线条和高级材质为特点，营造出独特的氛围。中控台搭载一块15.6英寸的触摸屏，集成了多媒体系统、导航和语音识别控制功能，操作简便且响应灵敏。方向盘采用皮质包裹，手感细腻，并支持手动上下及前后调节，以便驾驶者找到最佳握持位置。座椅采用仿皮材质，提供出色的包裹性和舒适性，前排座椅具备加热、通风功能，同时驾驶位还配备了头枕扬声器，带来更加沉浸式的音响体验。此外，前排和后排均配备电动座椅记忆功能，方便不同用户快速调整座椅位置。第二排座椅支持前后、靠背及腿托调节，提升了乘坐的灵活性和舒适度，后排座椅则采用比例放倒形式，便于扩展行李空间。车内还配备了USB和Type-C接口，以及手机无线充电功能，满足了现代出行的多样化需求。

eπ008配备了一台性能卓越的电动机，最大功率达到了200千瓦，最大扭矩为340牛·米，为车辆提供了强劲的动力输出和出色的加速性能。

汽车之家车主表示：“外形很大气！前脸很帅！颜值高！开出去回头率很高！车标也简洁！”这句话不仅道出了eπ008的外观设计之美，同时也展现了其在实际使用中的高回头率，无疑让人们对这款车留下了深刻的印象。

[Autohome Huzhou Discount Promotion Channel] Exclusively reported that this high-profile SUV model is launching an unprecedented promotion in Huzhou. According to the latest news, consumers can now enjoy a cash profit of up to 18,000 yuan when purchasing a car, making the minimum starting price of Xingtu Lanyue reduced to 175,900, which is very attractive. This discount range provides real benefits for car buyers. If you are interested in Xingtu Lanyue, be sure to seize this opportunity and click "Check the car price" in the quotation form to get higher preferential treatment. Don’t miss it, take action now!

Xingtu Lanyue stands out for its atmospheric body size. Its 4970mm long, 1940mm wide and 1792mm high body proportions show a combination of strength and elegance. The wheelbase is 2900mm long, ensuring a spacious and comfortable interior space. The front and rear wheel tracks are 1644mm, which not only ensures driving stability, but also reflects the designer’s careful consideration. The tire size used by Xingtu Lanyue is 245/50 R20, which is matched with a dynamic wheel design, which not only enhances the visual impact of the vehicle, but also reflects its pursuit of driving performance.

The interior design of Xingtu Lanyue is both luxurious and technological, creating a noble driving space. The steering wheel is made of genuine leather, providing a good grip, supporting manual up and down + front and rear adjustment, which is convenient for drivers to adjust according to needs. The central control screen size is 15.6 inches, equipped with advanced automatic speech recognition control system, supports multimedia, navigation, telephone, air conditioning and sunroof control, convenient operation, clear and intuitive information display.

In terms of seats, Xingtu Lanyue is made of high-grade leather material, which makes it comfortable to sit. The main driver’s seat has front and rear adjustment, backrest adjustment and high and low adjustment functions, and is equipped with heating and ventilation functions to fully take care of the driver’s needs. The driver’s seat also has a power seat memory function, which makes driving more personalized. The passenger seat also supports front and rear adjustment and backrest adjustment, ensuring passenger comfort. The rear seat provides front and rear adjustment and backrest adjustment functions, and supports proportional reclining, which brings more possibilities for loading and space utilization. Overall, Xingtu Lanyue’s interior design aims to provide a driving experience that is both practical and comfortable.

Xingtu Lanyue is equipped with a 2.0T turbocharged engine, which has a strong output of 261 horsepower and a maximum power of 192 kilowatts, providing plenty of power for the vehicle. Matching the 8-speed automatic transmission further enhances the smoothness and flexibility of driving, ensuring efficient performance in various driving scenarios. This engine not only meets the driver’s pursuit of speed and performance, but also focuses on the balance of fuel economy and driving experience.

When summarizing the evaluation of Autohome owners, we can see that he is full of praise for the exterior design of Xingtu Luoyue. He emphasizes the domineering feeling of this car, believing that this is the most attractive part, and even this factor can stimulate his desire to buy up to 60%. This shows that for consumers who pay attention to appearance and personalized driving experience, Xingtu Luoyue is undoubtedly a worthy choice.