标签： 广州约茶

Consumer complaints become pain points. Internet platform selling insurance will face strict supervision.

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.

It has been half a year since I picked up the car. Let’s talk about the experience of using the dark blue SL03.

Dark Blue SL03 2022 Extended Range Edition 1200km
Average fuel consumption: 180.00km
First of all, if you are a young person who likes driving fun, then this car is definitely not for you, whether it is the chassis, or the power, or the steering feel, can not arouse your driving desire, this is a real grocery shopping car. If you hate the hard chassis adjustment, then the dark blue is not for you, including the S7.
As a veteran "high-priced buyer", his mood gradually calmed down after experiencing the pain. Putting aside the issue of price reduction, at 17W, this is a new energy vehicle that is easy to drive, balanced in configuration, and low in cost. At 15W, this is a new energy vehicle with a leapfrog size, easy to drive, extremely high configuration, low cost of use, and a slightly luxurious interior.
Before choosing, you must first clarify your needs, rather than directly choose the range extension according to your own budget and shallow understanding. The range extension version can maximize the benefits for people who have fixed charging piles and have long-distance needs. The cost of commuting in the city is extremely low, and pure electric driving is both quiet and responsive. The vibration and wind noise of high-speed driving will also mask the noise and vibration of the range extender. The driving texture can take into account each other in both parts, giving the impression of light, easy to drive, quiet and calm. Of course, this lightness is limited to 0-80, and the acceleration will drop rapidly after exceeding 80. After all, this is a REEV. The engine does not directly participate in the drive, and the acceleration in the middle and rear sections will make people feel more meaty.
In high-speed driving, whether it is high-speed mode or mountain mode, the speed is kept within 130, and there will be no power loss. The range extender is always kept in the highest efficiency range, and the power will only be increased when the power is low. Generally, the remaining power of the power battery can be maintained, so there is no need to worry. Then there is the NVH performance, which can only be said to be at the upper level when placed at 17W, but after all, it is a frameless door, and the window sealing itself is insufficient. Noise can easily enter the car from the window. The chassis lacks armor spraying, and the wheel arch plastic plate does not have corresponding vibration and sound insulation. The NVH performance of non-paved roads is average.
After saying it first, I will never let go of the shortcomings. The most unsatisfactory thing is the attitude of dark blue. Put aside the price reduction, I bought a car of 170,000 or 180,000 yuan. There was no decent car pickup ceremony, the key was not put in the box, the attitude of the staff was not good, and there were errors in the payment process. The after-sales part was also not good. The master’s operation was very rough. The film had gray and bubbles, and the cut film was directly thrown on the cover of the machine, causing a large number of fine scratches. The disassembly process of the first guarantee did not have a scratch-proof cushion, and the metal crowbar was directly used to operate, causing irreversible scratches. There are also riders who did not fully screw back the screws after the first guarantee, resulting in the daytime running lights falling off during the second maintenance inspection. It cannot be ruled out that it is the after-sales problem of some 4S stores, but the after-sales and sales attitude is absolutely sorry for the price. It is also difficult to accept.
The second is the chassis adjustment, which is divided into two parts. The first is the lack of rigidity of the body, and there will be obvious rapid rebound when passing the speed bump, which is a typical lack of rigidity. The second point is the front axle vibration and the rear axle underdamping. The front axle vibration is especially obvious when passing the speed bump quickly, instantly breaking your original wrong perception of the chassis as "solid, flexible and advanced". The front suspension will occasionally show flaws in the urban area. The rear suspension part is more serious, and it is also the part that is complained the most by riders. It is mainly reflected in the large-scale compression and rapid compression sections, such as bridge head jumping. The compression and rebound damping of the rear shock absorber are insufficient, so that the rear of the car will experience obvious instability during rapid compression and large-scale compression. It will not stop until three or four times after the pendulum, which is not clean enough, which will deal a blow to driving confidence and have a great impact on the riding experience.
Then there is the space level. I don’t have much perception of space. There are almost no people sitting in the back row, but the backrest angle and leg support in the back row are obviously insufficient. The platform itself is high, so it should not be too comfortable for long-distance travel. There are two culprits. One is that dark blue is for concave shape, resulting in a small longitudinal space in the back row, and the backrest angle cannot be further enlarged. The second is that dark blue sacrifices this part of comfort for greater trunk capacity. Fortunately, the rear seats are thick enough and the space is large enough. You can find a suitable position even if you sit down a little.
Finally, there is the driving level. The steering wheel feel, chassis adjustment and body size are the parts that I think affect the driving pleasure the most. The steering wheel feel is very vague, the feedback is less and not delicate enough, and there are still some steering positions in the front section. After the end, you don’t know where the limit of the front wheel is, and you don’t know what it is doing. Electric power at low speed will bring a very light steering feel, but the speed gain is not linear enough. The speed immediately becomes heavy, which is not natural enough, but the stability at high speed will be very good. The whole steering set does not give a good impression. We talked about it in front of the chassis level. The front suspension is hard and can convey the road feel, but the lack of damping at the rear suspension will affect your confidence immediately. After you try Push, you will immediately give up and admit that this is a grocery car. Finally, there is the body size. The 2900 wheelbase is really not conducive to sportiness. The steering tail follows slowly, and the steering radius is large. As soon as you go up the mountain, there will be flaws. Deep Blue will use its 1.8-ton weight and nearly 5-meter length to tell you that it is really not suitable for mountain roads.
All of this is combined into one. The appearance is sporty and sharp, the interior is warm and household, the chassis doesn’t stick anywhere, and the steering wheel is inserted into the paste sewing monster. There is no place for the taste, which is the biggest problem in Changan. It won’t be an expensive car at all.
But I bought it all, right? I can’t sell it right away, so I posted a wave of AMG mountain gray car clothes, at least it still feels a little pleasing to the eye every day. I also completely gave up taking it to the mountains to find happiness. It’s really unwilling.


Geely nova, the more spy photos are exposed! Changing the penetrating headlight 2.0T is more powerful.

The online auto market has obtained the road test spy photos of Geely’s new Xingyue L, and the front face of the new car adopts a more recognizable penetrating light strip. The new Xingyue L will also upgrade the powertrain, and it is expected that it will be replaced with the same 2.0T high-power engine of Lectra 03(CMA platform), which is more powerful than the current one. The plan shows that the new car will be listed in the second half of this year.

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 1

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 2

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 1

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 3

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 4

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 5

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 6

The picture shows the interior of Bo Yue L.

The front face of the new Xingyue L follows the straight waterfall air intake grille, and the dot matrix through light strip is added above, and the headlight groups and bumper shapes on both sides will also be adjusted. Referring to the new Xingrui, it is expected that the new car will also provide new style wheels and change new shapes to run through the taillights. The new Xingyue L interior or the same interior design of Bo Yue L will be equipped with the latest high-end intelligent driving system.

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 1

Geely nova is more powerful than l spy photos exposure for penetrating headlights 2.0T-Figure 2

The new Xingyue L fuel version will continue to be equipped with a 2.0T engine, which is divided into low/high power adjustments, and the high power parameters are expected to be further improved, matching with a 7-speed dual clutch or an 8-speed automatic gearbox; The hybrid version of oil and electricity is expected to be equipped with the same 1.5T engine of the new Xingrui HEV, with a slight increase in maximum power.

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Look at Chinese football! The film channel broadcasts the national theme film ＂Grab the Fireworks＂


Special feature of 1905 film network Speed, bravery and fierceness … … This is a contest between strength and wisdom! It is the favorite of the brave! Fireworks grabbing is a sport for the brave, and it is known as "Eastern Rugby". It is popular among Zhuang and other ethnic minorities, and it is a traditional folk sports activity with strong national characteristics. It has a history of more than 500 years.


Every year, on the third day of the third lunar month, the Zhuang compatriots will hold a "fireworks grab" on this day.



Those who grab the fireworks indicate that the next year will be rich, prosperous and prosperous, and winning the first fireworks is a symbol of a beautiful year, representing the glory and blessing of the new year.At 20: 15 pm on April 28th, the minority sports film produced by the film channel., will be the story of Zhuang youth in Yunling Town, northern Guangdong Province, participating in the city’s minority games.Xu ZhanOpen.


The life of Zhuang people in remote mountainous areas exudes a strong local flavor, which we are not familiar with at ordinary times. This film can let more audiences know about the national sport of "Fireworks Grab" and feel the new atmosphere of beautiful countryside from a small perspective.


In order to renew the store for his girlfriend, earn money to buy a house and get married, the land flying (decoration) volunteered with the simplest utilitarian motive and teamed up to represent the town in the fireworks competition.He gathered a group of idle and confused Zhuang youths together, raised the team flag in the training ground and built the Yunling Flying Leopard Team.



On the land, I flew to find some young Zhuang people with special talents, such as Iron Head Kung Ah Quan, Scud Monkey, Hercules Down Brothers, Invincible Straw Pack Four Seas, Singer Shisanlang and Orchid Finger Long Hair.These young people have their own characteristics, but they all have their own difficulties. They are not perfect and even have many shortcomings, and the fireworks competition has rekindled their hopes.



"Yunling teenagers have high ambitions, and Qi Xin works together to win fireworks."In order to prove their value, this group of "teenagers" shed sweat and enthusiasm on the training ground. In the arena, they violently robbed, hid or threw, and the atmosphere was tense, warm and exciting.


During the training and competition of fireworks, the lives of these young people have changed dramatically.Sports competition inspired their high morale and courage to work hard. They bid farewell to their past selves, and the original Yunling Flying Leopard team became a brave champion.



With the collective efforts, they gained friendship, self-esteem, love and dreams, and completed their self-growth.Sharpen a sword every ten years.　The film has gone through 12 years from planning and preparation to release, and the creative team has put a lot of effort into it.　


The director of the film said: "We strive to make" Fireworks Grab "a masterpiece with ideological, artistic and commercial features."


In order to make this film well, the director is very strict in the choice of actors.In order to select the fireworks team actors with good physical quality, he requires professional actors who have played the habit and physical strength of the whole basketball game or half-court football game every week to be eligible to run for the role.


Before shooting, the director dragged all the actors to the shooting location to live and train with the local real fireworks players. After more than half a month’s study, almost all the actors were exposed to the sun. During the training, these actors gradually became real fireworks players.


In the process of shooting, all the actions of training and competition must be completed by the actors themselves. Because of the fierceness of sports competition, actors are constantly injured to varying degrees, but no one has backed out because of this, but the more they fight, the braver they become.



As we all know, sports plays are not easy to shoot, and it is even more difficult to shoot well, which is especially difficult for small-budget films.


In order to enhance the visibility of the film, the director used some skills of China Wushu for reference, designed many difficult movements with acrobatic performances, and incorporated them into the fireworks competition, which showed us the new expansion and new realm of sports-themed films.　



As an intangible cultural heritage, the fireworks grab is a folk cultural symbol and a carrier of national memory inheritance.　


The film "Fireworks Grab" not only presents the traditional custom and sports of Fireworks Grab to the audience more vividly and truly, but also promotes the inheritance and promotion of China’s national tradition and folk sports culture through the film.This era needs this kind of good film full of positive energy and giving people spiritual baptism.


For example, Tang Ke, director of the film channel creation department, said: "The biggest feature of this film is that it has achieved a mix of genres, and it is a film with real low cost, positive energy and great feelings."


Therefore, this film, which was filmed in Lianshan, Qingyuan, Guangdong Province, integrates love, sports, intangible cultural heritage, ethnic minorities and positive energy, and pays attention to the life and destiny of ordinary Zhuang people in remote mountainous areas. From the shooting to the completion of production, it has received attention and appreciation from all walks of life.


Tan Zheng, editor-in-chief of Film Art, said: "This film has fully recorded and presented the folk custom of’ fireworks grabbing’ with vivid and rich images, which is a powerful fulcrum for the development and inheritance of folk culture. In addition, it is also related to the development and protection of minority cultures, which can attract everyone’s attention and attention. "



It is reported that the creative team has donated the film copy to China Film Archive for permanent preservation, so that more people can learn about China folk sports and protect and inherit the intangible culture.


"Flying leopards in Yunling, who dare to grab fireworks, are all heroes.""Fireworks" inherits not only the sport of fireworks, but also the spirit of endless and tenacious struggle!


At 20:15 on April 28th, the movie "Grab the Fireworks" produced by the movie channel will meet with you for the first time. Let us appreciate the cultural value and spiritual charm of folk sports together!