分类： khkhjk

　　All banking insurance regulatory bureaus, insurance companies and insurance intermediaries:

　　According to the Insurance Law of People’s Republic of China (PRC), Measures for the Supervision of Internet Insurance Business and other laws and regulations, in order to strengthen and improve the supervision of Internet life insurance business, standardize market order, guard against business risks, promote fair competition, and effectively protect the legitimate rights and interests of insurance consumers, with the consent of China Banking and Insurance Regulatory Commission, we hereby notify the relevant matters concerning the operation of Internet life insurance business by insurance institutions as follows:

　　First, strengthen capacity building and improve the level of business services.

　　(1) The term "Internet life insurance business" as mentioned in this Notice refers to the business activities of insurance companies to publicly publicize and sell Internet life insurance products, conclude insurance contracts and provide insurance services by setting up self-operated network platforms or entrusting insurance intermediaries on their self-operated network platforms. The insurance institutions mentioned in this Notice include all insurance companies (including mutual insurance organizations and Internet insurance companies) and all insurance intermediaries (including professional insurance intermediaries and part-time insurance agencies).

　　Insurance companies that meet the relevant conditions of this notice may conduct Internet life insurance business without setting up branches nationwide. If the relevant conditions are not met, the Internet life insurance business may not be carried out. An insurance company entrusts an insurance intermediary to carry out Internet life insurance business, and the insurance intermediary should be a national institution. Involving online and offline integration to carry out life insurance business, Internet life insurance products shall not be used, and the business area shall not be extended to areas without branches.

　　(2) Insurance companies and insurance intermediaries should have corresponding technical, operational and service capabilities to carry out life insurance business on the Internet, choose life insurance products that meet the characteristics of Internet channels for online sales, strengthen the management of sales process and improve the risk management and control system.

　　Insurance companies should use scientific and technological means to optimize product supply, improve insurance services, improve operating efficiency, and promote life insurance products with risk protection or long-term savings functions.

　　(3) An insurance company (excluding Internet insurance companies) shall meet the following conditions when conducting Internet life insurance business:

　　1 for four consecutive quarters, the comprehensive solvency adequacy ratio reached 120%, and the core solvency was not less than 75%.

　　2. The comprehensive risk rating for four consecutive quarters is in Class B or above.

　　3. The coverage rate of liability reserve is higher than 100% for four consecutive quarters.

　　4. The corporate governance assessment of the insurance company is Grade C (qualified) or above.

　　5. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　Internet insurance companies shall comply with the relevant conditions of the Measures for the Supervision of Internet Insurance Business when conducting Internet life insurance business. At the end of last quarter, the solvency, comprehensive risk rating and coverage ratio of liability reserve meet the requirements of the preceding paragraph.

　　(4) An insurance company shall have an efficient and stable business system to carry out Internet life insurance business. It can support the exclusive management of life insurance business on the Internet, has the concurrent processing ability suitable for business needs, and has a perfect network security protection means and management system.

　　An insurance company should have a financial system that meets the needs of Internet life insurance business, and conduct independent accounting for Internet life insurance business.

　　(5) An insurance company shall have the corresponding online operation ability to carry out Internet life insurance business and meet the following requirements:

　　1. Online insurance. Support online display of all insurance information to consumers and remote acquisition of necessary insurance information, which can realize basic functions such as location confirmation of the insured and the insured, and personal identification.

　　2. Online underwriting. We should fully realize automatic underwriting as soon as possible, encourage insurance companies to apply scientific and technological means to improve underwriting quality, enhance underwriting efficiency, further improve anti-fraud ability and level, and explore differentiated and intelligent underwriting.

　　3. Online underwriting. Support online confirmation of insurance intention, completion of premium income and expenditure, realization of surrender in hesitation period and other functions, and issue legal and effective electronic insurance policies.

　　4. Online service. All sales platforms have realized the comprehensive online service entrance of consumer consultation, inquiry, security, surrender, claims, complaints, etc., continuously improved the online service level, and ensured the continuous provision of service support not lower than the offline service standards of similar sales businesses within the validity period of the policy.

　　(6) An insurance company shall establish a convenient and efficient online service system to carry out Internet life insurance business, and the service standard shall not be lower than the following requirements:

　　1. The insurance company shall guarantee daily uninterrupted online service, and the connection rate of consumer consultation or service request shall not be less than 95%.

　　2. Insurance companies should provide comprehensive technical support for consumers’ independent purchase and self-service. Customer service personnel of insurance companies can provide online personal insurance business consultation and services at the request of consumers, and the exchange page displays their insurance institutions and customer service numbers in real time. Customer service personnel of insurance companies shall not take the initiative in marketing, and their salaries shall not be linked to the sales assessment indicators of Internet life insurance business.

　　3. Internet personal insurance business should fully realize real-time underwriting and real-time underwriting as soon as possible. If it is necessary to carry out procedures such as physical examination and survival investigation, it should notify the applicant within 1 working day after receiving the complete insurance information and complete the underwriting as soon as possible.

　　4. Internet life insurance business shall use electronic insurance policies, which shall specify the information of the entrusted intermediary institutions (if any) and shall be delivered to the insured within 2 working days after underwriting. During the insurance period, an insurance company shall provide a paper policy in time according to the requirements of the insured.

　　5. The insurance company shall continuously provide online security services to consumers during the insurance period, and the online security matters shall be handled within 2 working days after the application is submitted. If it cannot be completed within the prescribed time limit due to special circumstances, it shall promptly explain the reasons to the applicant and inform the processing progress.

　　6. After receiving the notice of insurance accident from the applicant, the insured or the beneficiary, the insurance company shall give a one-time claim settlement guidance within 1 working day; After receiving the request for compensation or payment of insurance benefits from the insured or beneficiary, if the insurance company considers that the relevant certificates and materials are incomplete, it shall notify the applicant, the insured or the beneficiary to supplement them at one time within 2 working days; After receiving the request for compensation or payment of insurance benefits from the insured or beneficiary and complete materials, make a verification within 5 working days, and notify the applicant within 1 working day after making the verification; In case of complicated circumstances, the approval period can be extended to 30 days.

　　7. Online application for surrender of Internet life insurance business shall be approved and notified to the applicant within 1 working day; In case of complicated circumstances, the approval period can be extended to 3 working days.

　　8. Internet personal insurance business should strengthen complaint management, set up online complaint channels, get in touch with the complainant within 1 working day after receiving the complaint, improve handling efficiency, and explore the establishment of a complaint return visit mechanism.

　　(7) When an insurance company entrusts an insurance intermediary to carry out Internet life insurance business, it shall carefully screen the partners, strictly control the sales behavior and ensure the service quality.

　　Insurance intermediaries to carry out Internet life insurance business, should strengthen the system construction, and have the operation and service capabilities that meet the requirements of Article (5) and (6). Customer service personnel of insurance intermediaries shall not take the initiative to market, and their salaries shall not be linked to the sales assessment indicators of Internet life insurance business.

　　Two, the implementation of exclusive business management, standardize the market competition order.

　　(8) Insurance companies shall implement exclusive management of Internet life insurance business, use Internet life insurance products that meet the relevant provisions of this Notice, and follow the business rules such as network layout and sales management. The development of Internet life insurance products by insurance companies should conform to actuarial principles, with clear insurable benefits, and the design of terms and the determination of rates are legal, compliant, fair and reasonable. Encourage insurance companies to apply digital tools and scientific and technological means to provide differentiated pricing and refined services to meet the growing personal risk protection and long-term savings needs of the people.

　　Internet life insurance products are limited to accident insurance, health insurance (excluding nursing insurance), term life insurance, ordinary life insurance with an insurance period of more than ten years (excluding term life insurance), ordinary annuity insurance with an insurance period of more than ten years, and other life insurance products stipulated by China Banking and Insurance Regulatory Commission. Internet life insurance products that do not meet the requirements of this notice shall not be operated online, and the insurance links of products shall not be publicly displayed or directly pointed to through the Internet.

　　(9) An insurance company applying for approval or filing of Internet life insurance products shall meet the following requirements:

　　1. The product name should contain the word "Internet", and the sales channel is limited to Internet sales. Non-Internet life insurance products shall not use related words.

　　2. Product design should reflect the characteristics of direct operation of Internet channels. The scheduled surcharge rate for Internet life insurance products with an insurance period of one year or less shall not be higher than 35%; Internet life insurance products with an insurance period of more than one year shall have a predetermined additional charge rate of no more than 60% in the first year and an average additional charge rate of no more than 25%.

　　3. Products can provide flexible and convenient payment methods. If the Internet life insurance products with an insurance period of one year or less are paid in installments, the payment amount of each installment should be consistent, and the Internet life insurance products with an insurance period of more than one year should comply with the relevant regulations of China Banking and Insurance Regulatory Commission.

　　4. The product design shall ensure that the insurance period is consistent with the actual duration, and the actual duration shall not be changed in disguise by surrendering the insurance fee or adjusting the cash value interest rate.

　　5. The calculation of the minimum cash value of Internet life insurance products with an insurance period of one year or less shall adopt the calculation method of the unexpired net premium, and its calculation formula is: minimum cash value = net premium ×(1-m/n), where m is the number of days that have taken effect and n is the number of days during the insurance period, and if the elapsed date is less than one day, it shall be counted as one day.

　　6. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　(10) When an insurance company applies for approval or filing of Internet life insurance products, the materials submitted shall not only comply with the insurance clauses and relevant regulatory provisions on insurance rate management, but also submit an actuarial report, and the pricing basis of the products shall be listed in the actuarial report.

　　Internet life insurance products with an insurance period of one year or less shall specify the expected payout ratio in the actuarial report; If the Internet life insurance products with an insurance period of more than one year are priced by reinsurance data or empirical data, the latest occurrence rate table issued by China Banking and Insurance Regulatory Commission or designated relevant institutions shall be indicated, and the average conversion ratio shall be listed.

　　Internet life insurance products shall specify the upper limit of intermediary fee rate in actuarial report, and shall not directly charge the information technology support and information technology service fees arising from the operation of Internet life insurance business, and shall not break through or break through the upper limit of predetermined additional fee rate in disguised form.

　　When an insurance company applies for approval or filing the Internet life insurance products listed in Article (13) of this Notice, it shall also list the branches and cooperative institutions in the submitted materials.

　　(11) An insurance company applying for approval or using newly filed Internet accident insurance and term life insurance products shall comply with Articles (3) to (6) of this Notice.

　　An insurance company applying for approval or using newly filed Internet health insurance (except nursing insurance) products shall not only meet the requirements of the preceding paragraph, but also meet the requirement that it has not been subjected to major administrative punishment for illegal operation of Internet insurance business in the previous year.

　　An insurance company applying for approval or using the newly filed ordinary life insurance (except term life insurance) and ordinary annuity insurance products with an insurance period of more than 10 years shall meet the following conditions:

　　1. The comprehensive solvency adequacy ratio exceeds 150% for four consecutive quarters, and the core solvency is not less than 100%.

　　2 for four consecutive quarters, the comprehensive solvency surplus exceeded 3 billion yuan.

　　3. The comprehensive risk rating for four consecutive quarters (or six quarters within two years) is above Class A..

　　4. It has not received any major administrative punishment for the operation of Internet insurance business in the last year.

　　5. The corporate governance assessment of the insurance company is Grade B (good) or above.

　　6. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　(12) When an insurance company entrusts an insurance intermediary to carry out Internet life insurance business, it shall specify the rights and obligations of both parties, the cooperation period, the dispute settlement plan, the liability for breach of contract and the customer complaint handling mechanism.

　　Insurance intermediaries selling ordinary life insurance (except term life insurance) and ordinary annuity insurance products with an insurance period of more than ten years shall meet the following conditions:

　　1 with more than three years of experience in Internet life insurance business.

　　2. It has a complete sales management, policy management and customer service system, as well as a safe, efficient and real-time information system and capital settlement process for online payment and settlement business.

　　3. It did not receive any major administrative punishment for the operation of Internet insurance business last year.

　　4. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　(13) An insurance company shall, in addition to meeting the above-mentioned basic conditions, set up a provincial branch in its business area or cooperate with other insurance companies and insurance intermediaries that have set up branches to operate through the Internet, so as to ensure offline service capabilities in its sales area.

　　Insurance companies conducting other Internet life insurance businesses should have offline service capabilities no less than those of similar businesses for sale.

　　(14) When an insurance company operates or entrusts an intermediary agency to carry out Internet life insurance business, it should make an appropriate assessment before applying for insurance, scientifically assess the behavioral ability of consumers to purchase insurance products online and enjoy insurance services, and insist on selling insurance products to consumers that are compatible with their risk protection needs and payment ability.

　　(15) Insurance companies should strengthen underwriting management, grasp the full amount of underwriting information, ensure the independence of underwriting, and must not lower underwriting standards and reduce underwriting responsibilities when conducting Internet life insurance business.

　　The notification text of Internet life insurance business is formulated and provided by insurance companies, which meets the basic requirements of clear content, easy-to-understand text and concise and smooth expression, and reduces the use of uncommon terms. Insurance intermediaries shall not change or reduce the contents of the notification without authorization, and shall not induce the insured to make false statements.

　　Third, enrich the supervision mechanism and strengthen the supervision of innovative business.

　　(sixteen) insurance companies to carry out Internet life insurance business, should establish and improve the business backtracking mechanism. Insurance companies should regularly carry out Internet life insurance business backtracking as required, focusing on key indicators such as payout ratio, incidence rate, expense rate, surrender rate and return on investment, backtracking the deviation between actual operating conditions and actuarial assumptions, and taking the initiative to take measures such as attention, adjustment and improvement, active reporting and information disclosure. The chief actuary of an insurance company is the person directly responsible for the retrospective work of Internet life insurance business, and should organize and implement the retrospective work as required to ensure that the data used are comprehensive and true, the calculation method conforms to actuarial principles, and the rectification measures are timely and effective.

　　(XVII) An insurance company that conducts Internet life insurance business shall submit a report on the operation of the previous year through the information system related to Internet insurance supervision before March 20th of each year (see Annex 2 for the template, and the report data shall be as of December 31st of the previous year), and complete the registration of Internet life insurance business operation and information disclosure.

　　If an insurance company needs to adjust the business scope of personal insurance on the Internet, it should make a continuous announcement 10 days in advance on the self-operated platform, the self-operated platform of the agency and the sales page of each product. The contents of the announcement shall include the business scope adjustment decision, reasons and service guarantee measures, etc., and the adjustment shall be completed before April 1 of each year. If the business scope of Internet life insurance is narrowed, it should also give special tips to insured customers through effective channels.

　　(18) If an insurance company violates the relevant provisions of this Notice, it shall, as appropriate, take regulatory measures such as regulatory talks, risk warnings and prohibiting the declaration of new Internet life insurance products within a certain period of time according to law, and impose administrative penalties according to relevant laws and regulations.

　　If an insurance company entrusts an intermediary agency to carry out Internet personal insurance business in violation of the relevant provisions of this Notice, the insurance company and the intermediary agency shall be investigated at the same place, and a unified standard of discretion shall be maintained for similar businesses.

　　(XIX) China Banking and Insurance Regulatory Commission will initiate supervision procedures such as inquiry, investigation and inspection according to the retrospective situation of Internet life insurance business of insurance companies, and investigate and deal with illegal matters according to law. In the event that the insurance company fails to backtrack regularly according to the notification requirements, the backtrack data is untrue, and the pricing risk has not improved for a long time, China Banking and Insurance Regulatory Commission will not only deal with it according to Article 18, but also remind the board of directors of relevant risks, and at the same time, investigate the responsibilities of the company’s principal responsible persons and relevant management personnel according to law.

　　(20) If an insurance company is subject to administrative punishment for serious violations of laws and regulations and serious violations of consumers’ legitimate rights and interests due to Internet life insurance products, it shall promptly formulate consumer rights protection and rectification plans and make an announcement to the public.

　　(twenty-one) the actuarial liability reserve coverage ratio mentioned in this notice, the calculation formula is shown in Annex 1.

　　The major administrative penalty referred to in this Notice refers to the following administrative penalties imposed on insurance institutions for Internet insurance business: limiting the business scope, ordering them to stop accepting new business, ordering them to suspend business for rectification, revoking their business licenses, revoking the qualifications of company executives or prohibiting them from entering the industry.

　　(twenty-two) from the date of issuance of this notice, if the previous provisions are inconsistent with this notice, this notice shall prevail.

　　Give a transition period to insurance companies that have already started Internet life insurance business. Insurance companies shall, based on the protection of consumers’ legitimate rights and interests, promote the rectification of existing Internet life insurance business on the premise of fully evaluating and making good plans, and fully meet the requirements of this notice before December 31, 2021.

　　The insurance company shall start the trial operation of the Internet life insurance business backtracking mechanism in the second quarter after the issuance of this notice, and China Banking and Insurance Regulatory Commission shall designate industry organizations to assist in the implementation of relevant work. The retrospective mechanism of Internet life insurance business has been officially implemented since January 1, 2023.

　　Annex: 1. Description of the formula for calculating the coverage ratio of liability reserve.

　　2.2XXX years Internet life insurance business report

　　General Office of China Banking and Insurance Regulatory Commission, China

　　October 12, 2021

　 　 　 　Original title: The dreamland of sound and painting and the innovation of content of domestic animated films.

　 　 　 　Since the release of domestic animated films, they have encountered polarized word-of-mouth differences. Undoubtedly, affirming and supporting the development of domestic animated films is the premise for everyone to comment on Legend of Deification. However, this kind of affirmation and support should not be influenced by the surging patriotic feelings, but should be rationally analyzed and thought within the scope of art. In this way, domestic animated films can find a correct and healthy way of sustainable development without being swayed by loneliness or being confused by sweet words.

Fantasy of sound and painting: the game between the advantages and disadvantages of animated films

Compared with live-action movies, animated movies show the characteristics of media materials themselves, showing a very personalized image style. With the continuous popularization and promotion of digital technology, animated films are more fluent and skillful in creating the illusion of sound and painting. Legend of Deification, which has been created for four years, gives the audience a brand-new "deity world" in visual presentation.

In the past, the Youdu Mountain, Guixu, Ladder and Beihai, which existed in myths and legends, were all rendered and displayed in an all-round way in a complete paragraph in Legend of Deification with a form of great visual impact. Compared with the daily connection brought by "truth" in live-action movies, animated movies rely on lines and color blocks to create an image world, which is more mysterious in the unknown world. In other words, even if it appears in a concrete form and image, people still can’t compare it with the objects in their lives because of stylized media materials, so they can maintain the integrity of a unique aesthetic world.

On the other hand, due to habitual cognition, animated films are often simply equated with cartoons. In fact, animated film is not only a children’s film, but also a film type. Look at the screening halls in Legend of Deification. Children under 14 are everywhere. This is unimaginable for a live-action movie. The decline in the threshold for watching movies means that animated films may have a far-reaching impact and are more conducive to the realization of cultural shaping functions. At the same time, animated films can also be strongly related to the popular secondary culture, and can be widely spread through the cooperation of various sub-groups. The illusion of sound and painting created by animated films is quite attractive to young people.

However, the high dependence of animated films on technology also produces instability. Once the technology is insufficient, it will lead to the rupture of the illusion of sound and painting. This kind of rupture is fatal to animated films, which will interrupt the closed state of the audience in the process of watching movies, thus greatly reducing the viewing experience. It can be seen that in Legend of Deification, technical support has done its best, and many scenes show the progress of current animation technology. However, there are still many obvious defects that need to be repaired. For example, when Jiang Ziya was running towards the market with a girl in his arms, his feet were suspended from the ground and lacked the necessary strength and speed. In addition, Jiang Ziya in close range also lacks the necessary upper body details. This is not consistent with the running state. In the absence of corresponding action performance, the vividness of the voice is embarrassing. Because when you obviously can’t see the running state of the character, there is a hard gasp in your ear. This embarrassment will inevitably weaken the attraction to the audience and eventually become the Achilles heel of the work.

New Content: Modern Narration of China’s Story

Telling the story of China well is the mission of contemporary literary creation. Legend of Deification is the modern narrative of China’s story. In the form of animated films, it presents a fairy tale circulating in the blood of China people’s culture. The film tells the story of Jiang Ziya, including not only the remolding of the characters, but also the overall adjustment of the story structure.

The image of Jiang Ziya, the hero, has gone through three stages: youth, middle age and old age. The work shows the process of Jiang Ziya’s belief from establishment, breaking to remolding, instead of directly appearing as the familiar image of "Jiang Taigong", giving the audience a new historical explanation. In addition, there are obvious differences in the image-building of other characters such as Su Daji, Zhou Wang, Nine-tailed Fox and Shen Gongbao. Su Daji has changed from an adult female image that has brought disaster to the country and people to an innocent girl image. All these, to name a few. The drastic change in image gives people a refreshing feeling.

In the story structure, Legend of Deification also has many bright spots. First of all, the focus of the film story is no longer Zhou Wang, da ji and King Wu, but Jiang Ziya’s repeated trials of personal beliefs. The story broke away from the original historical level and continued to speak to the mythical level. Cutting becomes an opportunity, and the key lies in whether to kill the nine-tailed fox. Jiang Ziya’s indecision is an individual’s vigilance against the loss of human nature in the process of evolving into the so-called "God". Secondly, the film takes the nine-tailed fox as the opponent’s strength, and displays it with rich colors, which endows it with tragic color to a certain extent, but from a more essential level, it is to help Jiang Ziya complete the experience of breaking the authority. When Jiang Ziya began to doubt whether "one person" and "sentient beings" were more important, the master who was originally in his heart had actually fallen off the altar.

The change of these two dimensions not only changed Jiang Ziya’s historical narrative, but also changed Jiang Ziya’s behavioral motivation as a mythical figure, and finally shaped him into a modern man. Not afraid of authority, keeping the original heart, became the summary of Jiang Ziya’s spirit.

Literary and artistic works are bound to change, but the changes need to be balanced. Changed, the character story is beyond recognition; Change less, and it’s the same old tune, which is boring. On the whole, Legend of Deification is a relatively successful work. However, there are still some shortcomings in theme refinement and narrative rhythm. The film takes Jiang Ziya’s "personal and ordinary people" inquiry as the core theme, which to some extent lacks resonance with the general audience. Moreover, Jiang Ziya’s inner changes in the film lack great ups and downs, and the protagonist can’t actively promote the progress of the story, which leads to the story being relatively dull, falling into the cliché of narrative procrastination and disordered rhythm, and weakening the strength of the characters. In addition, too many big scenes and a little tired relationship construction make the story telling slow and heavy. This enlightens us that, for China animated films along the way of Princess Iron Fan, Making a scene in Heaven and Lotus Lantern, with the support of rich historical and cultural resources and advanced digital technology, we need to continue to work hard and strive for perfection. (Author Teng Xiaojuan, a lecturer in college of nanjing normal university)

　　　　[XCAR domestic new car original]

　　　　On March 18th, 2015, JAC Ruifeng M3 was officially launched, and the car was positioned as a small MPV. It is equipped with 1.6L and 2.0L powertrains. The new cars listed this time are only 1.6L models, including 1.6L luxury models and 1.6L luxury smart models.The price range is 69,800-74,800 yuan.

　

　 　 ● More fashionable than Ruifeng M5.

　　　　In terms of appearance, the overall design of Ruifeng M3 is more square. In details, Ruifeng M3 is more fashionable than Ruifeng M5. Chrome-plated decoration and bumpers with different colors on the lower side and the body make the vehicle style more household. The headlights are blackened and integrated with the middle net, and the rear doors are designed with side sliding.

　　　　In terms of body size, its length, width and height are 4650mm/1740mm/1900mm respectively, and its wheelbase is 2810 mm. 7 seats (two independent seats in the second row) and 8 seats can be provided, and 8 kinds of spatial layout changes can be realized by changing seats.

　 　 ● Interior design will be traditional.

　　　　In terms of interior, the new car adopts a double-layer design with deep top and shallow bottom. The gear handle is placed on the center console, which is more convenient for the driver to operate and more conducive to the use of space. Sports three-spoke steering wheel, plus air outlet of barrel air conditioner, adopts the design of car. In addition, the central color touch-sensitive LCD screen gives Ruifeng M3 more attractions.

　　　　The design of M3 center console is very simple and intuitive, and the touch screen occupies a considerable area, while the conventional physical buttons below can be more clearly distinguished. The circular air-conditioning outlet decorated with chrome-plated metal looks very delicate, which undoubtedly enhances the sense of grade of the interior.

　 　 ●Configuration is more suitable for family cars.

　　　　In terms of configuration, the new car is equipped with independent control of front and rear air conditioners, electric front windows, leather seats, remote control keys, three adjustable steering wheels, high-quality car audio-visual entertainment system and driving computer.

　　　　In terms of safety, Ruifeng M3 is equipped with airbags, anti-collision and collapse energy-absorbing steering column, ABS, EBD, seat belt reminder, electronic central locking and unique anti-theft alarm system.

　

　　　　In terms of space, it has an ultra-long wheelbase of 2810mm, and the seat layout is more reasonable and diversified than the old model. It has a 7-seat /8-seat interior layout and 9 seat combinations, and the maximum cargo space can reach 4340L L. It can easily meet multiple needs such as family outing, business reception and cargo transportation.

　

　 　 ● Equipped with 1.6L and 2.0L engines.

　　　　In terms of power, the new car will be equipped with a 2.0L engine with a maximum power of 105 kW/6000 rpm and a maximum torque of 175Nm/3500-4500rpm. In addition, the new car will be equipped with a 1.6VVT gasoline engine with a maximum power of 88kW/6000rpm and a maximum torque of 150Nm/3500-4500rpm.

　　　　Editor’s comment:Ruifeng M3 is positioned as a small MPV model, and the flexibility of space adds a lot of color to the car. Nowadays, in the very hot independent MPV market, M3 and M5 form a low and high price range, which helps Jianghuai to develop MPV fields with different steps.

　 　 Related content review:

　　　　Flexible and changeable test drive in space Jianghuai Ruifeng M3 1.6 Manual

In terms of vehicle outline, the new car adopts a brand-new design language, which is more atmospheric. In terms of the outline of the whole vehicle, the overall design is very fashionable, the whole front face looks exquisite, and it looks very energetic after the headlights are lit. From the side, the new car is still a perfect shape design, the tradition of wide C-pillar continues, and the rear wheel design looks very sharp. At the same time, Fangzheng’s tail echoes the front, and the taillights of the new car are fuller.

The whole interior can be said to be simple and atmospheric, and extremely young. The steering wheel is made of plastic and feels good. The whole center console is made of plastic and leather materials, which greatly enhances the sense of grade of the whole vehicle. It is equipped with a 12.3-inch suspended central control panel, which is clear in display and bright in design. The front row is also equipped with a manual air conditioning control system, which can freely debug the most comfortable space atmosphere. .

Jiaji has a car length of 4826mm, a car body width of 1909mm and a wheelbase of 2805mm, which is quite satisfactory. Among the models of the same class, Jiaji’s wheelbase ranks fourth. The design of skylight also increases the subjective space feeling of front and rear passengers. The storage space in the car is quite satisfactory and basically sufficient. The interior space of the luggage compartment is relatively regular, with very good longitudinal depth and high expansibility, and the space performance is generally ideal.

Jiaji is equipped with a 1.5 engine with a maximum output of 133kW and a maximum torque of 290Nm. 1.5 The power performance of the engine in Jiaji is quite satisfactory, the low torque is weak and the hysteresis can be felt. Ranked 7 th among 80-120 thousand MPV models.

Jiaji’s active/passive safety configuration is complete, includingAutomatic parking、Zero tire pressure endurance tire、Automatic parking、Steep slope descent、hill start assist control、knee airbag、HUD head-up display、Anti-lock braking (ABS)、Braking force distribution (EBD/CBC, etc.)、Brake assist (EBA/BAS, etc.)、Traction control (ASR/TCS, etc.)、Active noise reduction、Engine start and stop、Side safety air curtain、Wireless charging of mobile phone、night vision system、LED daytime running lights、Forward reversing radar、Tire pressure monitoring、Steering wheel heating、Body stability control (ESP/DSC, etc.)、Rear reversing radar、Fatigue reminder、Remote parking、Child seat interface、Lane keeping (LKAS)Equal configuration.

Among them,Automatic parkingYou can avoid stepping on the brakes for a long time or needing to pull frequently;Steep slope descentCan safely pass through steep slope road conditions at low speed;knee airbagReduce the injury of the car interior to the occupant’s knees in the secondary collision.

In order to have a more comprehensive and objective understanding of Jiaji, you can go to the Easy Car Jiaji Forum and browse the messages of users who have bought the car in history.

Special topic: picture channel

Special topic: news network for 30 years of reform and opening up

　　An important step in the process of world modernization

　　From January 1978 to February 1979, Deng Xiaoping visited Myanmar, Nepal, North Korea, Japan, Thailand, Malaysia, Singapore and the United States. This series of visits, especially to the United States and Japan, helped Deng Xiaoping to accurately position the relationship between China and the outside world, and initially formed a strategic thinking of promoting common development and mutual benefit between China and the world through reform and opening up.

　　From October 22 to 29, 1978, Deng Xiaoping paid an official goodwill visit to Japan. The picture shows Japanese Prime Minister Fukuda Takeo (second from right) welcoming Deng Xiaoping. Xinhua news agency

　　From January 29th to February 5th, 1979, Deng Xiaoping paid an official visit to the United States. The picture shows Deng Xiaoping waving a cowboy hat to greet the audience while watching the equestrian performance in Houston. Xinhua news agency

　　A visit to open the door to Sino-US cooperation ―― "Now the people of both countries are shaking hands"

　　A visit recorded in the history of Ford Company ―― "He is not tall and has a strong handshake"

　　An Investigation of Planning Development Blueprint ―― "I know what modernization is"

As a cyclist, I have the following experiences and comments on the quality of Euler Good Cat’s car:

Advantages:

1. Appearance: A good cat has a really good appearance and is often watched.

2. Power: The acceleration performance of electric vehicles is very strong, and the acceleration performance of good cats below 90 km/h is excellent.

3. Interior: The color and soft package of the interior are very comfortable in vision and touch.

4. Internal configuration: the reaction speed of the car is good, and the voice interaction is also ok. Most of them can be controlled by voice, such as opening the window and making a phone call to cut songs, with quick response and little delay.

5. Sitting space: The space distance between the front row and the rear row is worthy of the length of 4.2 meters and its wheelbase, and it will never appear crowded. The rear row sits down and punches the knee.

6. Manipulation: The steering wheel is very light, which is very suitable for girls. It is more labor-saving, and you will get used to it after driving for a long time.

Disadvantages:

1. Trunk: The trunk is small, even a slightly larger box can’t be put down, and the folding electric bicycle of the driver can’t be put down.

2. Shock absorption: The shock absorption is really poor. A little over the speed bump will make the car body fluctuate, which may be the cause of tire pressure.

3. Tire: I don’t know what kind of tire to use, and the tire noise is loud. I started to slip at the red light on the uphill twice. Later, I didn’t dare to step on the switch too deep when I started uphill, but I still encountered two starts to slip on rainy days.

4. Sound: The sound effect is average.

5. Seats: Seat heating is not as practical as ventilation, and the co-pilot seat has no electric adjustment.

6. Endurance: In the mountainous county of Chongqing, there are many steep slopes, and driving is rather impetuous. I use air conditioning and music all the time. The average speed is 50 kilometers per hour, and the endurance is only about 50%, but I am very satisfied with the fact that I can run at a high speed of 7.7%.

7. Charging pile gun head: the gun is pulled out within 15 seconds after unlocking, but it doesn’t work many times. You have to lock the car again and then try to unlock it.

8. Car machine: At present, there are not many softwares that can be downloaded, and many of them need to purchase advanced unlocking options.

Summary: There is no perfect car, you have to buy what you like and accept its shortcomings. At this price, a good cat is more valuable.

　　[Global Network Comprehensive Report] According to CNN and the British "Guardian", at 19: 30 local time on the 14th, after the electoral college confirmed that Biden officially won the presidential election, US President-elect Biden made a speech in Wilmington, Delaware.

　　According to reports, in his speech, Biden mentioned the legal challenges initiated by the Trump team on the election and praised the judicial system. Biden said, "The Trump campaign team has launched dozens of legal challenges." He also mentioned, "Every time their voices are heard, they will eventually find that they are actually worthless."

　　The report mentioned that Biden also named 17 Republican state attorneys general and 126 Republican congressmen, who signed the lawsuit in Texas and tried to overturn the election results in other States. Biden said: "This is an extreme position that we have never seen before."

　　Biden also said, "It’s time to unite." He added, "What is in front of us is urgent work."

　　Biden mentioned that he and Vice President-elect kamala? Harris won more votes than any candidate in American history.

　　According to Fox News, Biden also mentioned that he defeated Trump with 306 electoral votes and 232 electoral votes. According to the report, this vote gap is similar to Trump’s victory over Hillary four years ago. In 2016, Trump was elected president with 304 electoral votes, and his competitor Hillary Clinton? Clinton won 227 electoral votes.

　　"At that time, President Trump said that the number of votes he won was overwhelming," Biden said. "According to his own standards, these figures represented an obvious victory at that time, and I solemnly recommend that they do the same now."

　　Before concluding his speech, Biden expressed his condolences to those who lost their loved ones in the COVID-19 epidemic. "Today, our country has crossed a severe milestone, and 300,000 people died in Covid-19. In the dark winter when this epidemic is raging, my heart is with each of you. " Biden said.

　　CNN previously reported that the final result of the US electoral college voting on the 14th local time was that Biden won 306 votes and Trump won 232 votes. This year’s electoral college voted without "untrustworthy electors".