[car home Industry] According to the data of the Passenger Car Association, the retail sales of passenger cars in October reached 2.033 million, up 10.2% year-on-year and 0.7% quarter-on-quarter. Among them, the retail sales volume of the new energy vehicle market was 767,000 units, up 37.5% year-on-year and 2.7% quarter-on-quarter. At present, intelligent networked vehicles are in the stage of development and upgrading. Recently, Suzhou, Shanghai, Wuhan, Beijing, Chongqing and other places have issued corresponding support policies for the pain points of infrastructure, supporting industrial chains and other industries to compete for new heights of intelligent networked vehicles technology.

　　The establishment of standards, the construction of smart roads, the landing of large models and the development of intelligent parts industry have laid the foundation for the high-quality development of a new generation of intelligent networked vehicles. In this larger and more open competition field, car companies should cultivate their internal strength, boldly pursue innovation, and win the favor of the market and users with hard power.

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Data description:

1. Intelligent electric vehicle: a vehicle with pure electric energy, plug-in hybrid power (including extended range) and intelligent driving level above L2;
2. Class L2: A vehicle equipped with an adaptive cruise system and a lane keeping assist system as standard is considered to have a level L2 intelligent driving level;
3. Weighted selling price of cars: based on the quotations of dealers all over the country, the weighted selling price of cars in the current month is calculated by weighting the proportion of car clues. The terminal quotation of the models on sale under the car series and the proportion of the models concerned by consumers will affect the monthly fluctuation of the weighted selling price of the final car series;
4. Source of data: Hot information comes from Sina Technology; Attention, clue number data, vehicle model data, new energy industry index data, etc. come from car home; Car sales come from market terminal sales data.

Download the full report and pay attention to WeChat official account of car home Research Institute. Just enter the keyword "Intelligent Electric Vehicle".

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I. Market Sales Performance

■ The sales of new energy vehicles continued to grow, and the proportion of smart car sales declined.

　　In October, the retail sales volume of the new energy vehicle market was 767,000 vehicles, up 37.5% year-on-year and 2.7% quarter-on-quarter, and the new energy penetration rate reached 37.7%, up 0.7 percentage points from September, reaching the highest level in history again. Following the "moderate growth" of "Jin Jiu" automobile market, the sales volume of "Silver Ten" has maintained its popularity. The fourth quarter is the peak season for new energy sales. The national and local policies to promote the consumption of new energy vehicles are expected to continue to exert their strength, new products of automobile enterprises will be listed one after another, and another round of price reduction promotion will be launched. It is expected that the automobile market will have a "tail-lifting effect" in the last two months of the year.

　　Tesla’s sales declined in October, and Model Y’s sales fell to the fourth place in the new energy sales list. In October, the 2023 Model Y was launched and the newly redesigned Model 3 in September was in the product line switching stage, so it could not be delivered in the first time, and the sales contraction was in a normal cycle. The top three in the new energy sales list are BYD Seagull, Yuan PLUS and AION Y.. BYD’s six models rank among the top ten in the new energy sales list. In addition, Wuling Binguo and Hongguang MINIEV are among the top ten in the sales list, ranking eighth and tenth respectively.

　　Top 5, the best-selling brand of smart cars, also changed greatly in October, namely BYD, LI, Tesla, Volkswagen and Tucki. Among them, BYD’s sales accounted for 26.6% of the total sales of smart electric vehicles, and LI’s monthly sales exceeded 40,000, surpassing Tesla for the first time to rank second. With the growth of sales of G6 and G9, Tucki once again ranks among the top five in the hot-selling list of smart cars.

　　Looking at the sales rankings of various cars of smart electric vehicles, Model Y still ranks first, and BYD’s five cars are also among the top ten in the smart car sales list. The ideal three models L7, L9 and L8 all sold more than 10,000 vehicles in October, all of which ranked among the top ten in the sales list of smart electric vehicles. It is noteworthy that Volkswagen ID.3 After the price reduction, the sales volume continued to grow, and the sales volume in October exceeded 10,000, ranking seventh in the smart car sales list.

■ The proportion of pure electric sales decreased, while the proportion of MPV sales increased.

　　In October, the sales volume of smart electric vehicles increased by 2.8% month-on-month to 370,000 units, the highest sales volume since the record. In terms of energy types, the proportion of sales of pure electric vehicles has continuously dropped by a large margin, down by 2.9 percentage points from the previous month to 51.9%, and the sales and proportion of plug-in and extended-range vehicles have increased from the previous month. Among them, the decline in the proportion of sales of pure electric vehicles was mainly affected by the decline in sales of two Tesla vehicles. Among the plug-in models, the sales growth rate of Lectra 08 New Energy, Seal DM-i and other cars is faster; Among the extended-range models, the ideal three car series, the car series M7 () and the car series Aouita 11 all have great sales growth.

　　In terms of vehicle types, the sales volume and the proportion of MPV vehicles increased in October, while the sales volume of smart SUV vehicles increased, but the proportion declined. The car series worthy of attention include (|), BYD Yuan PLUS, Link 08 New Energy, Tucki G9, etc., which gave a good growth performance. The proportion of sales of cars and MPV models has increased. Among car models, sales of Volkswagen ID.3 and Seal DM-i increased rapidly. Among MPV models, Krypton 009 and Lantu Dreamer contributed the main sales growth.

Second, the heat of automobile consumption

■ The proportion of new energy concerns has reached a new high, and the proportion of smart cars has dropped.

　　According to car home Big Data, the number of people concerned about the overall market rebounded in October, and the number and proportion of people concerned about new energy reached a record high, which was nearly 14.9 percentage points higher than that of 40.8% in October last year. The number of people who pay attention to smart electric vehicles has increased, but the proportion has dropped to 63.7%, which is 3.2 percentage points higher than that of 60.5% in October last year. Although it shows an increasing trend in the past year, the growth rate is relatively slow.

■ New energy vehicles: The attention of traditional brands in China increased year on year.

　　In the overall new energy market, the proportion of China traditional brands’ attention to heat for three consecutive months increased year-on-year to 56.5%, and the dominant market advantage became more and more obvious. The proportion of attention of the other three brand types decreased year-on-year. After the previous three consecutive months’ month-on-month rebound, the proportion of attention of new power brands fell by 0.1 percentage point in October, which temporarily stabilized at the current attention share.

　　In terms of specific brands, Buick ranked second in the attention list of overseas mainstream brands last month with newly listed models such as E5 and Micro Blue 6, and this month it fell to the third place due to the suspension of sales of Micro Blue 7. Among the new power brands in China, the M7 in the field of inquiry became popular after listing, and Yu Chengdong even lamented that "the new M7 in the field of inquiry has come back to life", leading AITO to the second place in the brand list of new power. Among the traditional brands in China, the newly listed Haval Raptors in October attracted more attention, pulling the Haval brand to the third place in the traditional brand list.

■ Smart electric vehicle market: The attention of traditional brands in China increased year on year.

　　In the smart electric vehicle market, the proportion of attention of traditional brands in China increased by 4.7 and 1.7 percentage points year-on-year to 46.9% respectively. The models worthy of attention include Changan Qiyuan A07, BYD Han, Extreme Krypton 001 and other cars, which have made great contributions to the increase in the proportion of attention to heat. Tesla’s attention has dropped significantly year-on-year, and the number of followers of Model 3 has dropped by more than 20%.

　　In terms of specific brands, the novelty of Buick’s new models has retreated, falling to the fourth place in the list of overseas mainstream brands. Among the traditional brands in China, Changan Qiyuan, who just entered the market, joined the new energy mid-range smart car market with A07, and won great attention with its intelligent configuration and high cost performance, ranking third in the list of traditional brands in China for the first time.

■ Medium-sized cars pay attention to the decrease in heat, while medium-sized and large MPVs pay attention to the increase in heat.

　　In terms of vehicle types, in the overall market of new energy, the focus on medium-sized vehicles decreased by 2.7 and 1.2 percentage points year-on-year to 8.7%, respectively, giving way to compact cars and medium-sized and large cars. Model 3, BYD Seal, Weilai ET5, Tucki P7 and other representative models in medium-sized cars have all attracted less attention. The attention of medium and large SUVs has increased year-on-year, and it has officially become the most popular SUV level. Among them, the recent Ideal L7, Ideal L8, Wenjie M7, Tucki G9, Lantu FREE, and the newly listed Zhiji LS6 have won high market attention.

　　Looking at the smart electric vehicle market, the trend of concern for medium-sized cars and medium-sized SUVs is consistent with the overall new energy market. The proportion of medium and large MPVs increased by 3.2 and 0.9 percentage points year-on-year to 5.7% respectively. There are not many smart car models in this model class. This month, Wei brand entered the competition for admission to the mountain, and in the first month, it won the attention second only to Tengshi D9.

■ LI and AITO pay attention to the increase in heat.

　　Looking at the heat distribution of the new power brand market, Tesla’s attention share decreased by 3.9 percentage points from the previous month to 21.1%, and it gradually tends to be approached by LI. Among the new power brands, LI and AITO are the most outstanding. Ideal and AITO’s whole car system have good attention performance.

　　Among the top ten popular cars, Tesla and the ideal five cars still occupy the top five positions, and Weilai ES6 slipped to the tenth place, surpassing the two cars in the asked world. The new Tucki G9 ranks among the top ten hot cars, while the Tucki G6 of the same brand has not maintained a lasting concern.

Third, intelligent product analysis

■ In October, 75 new energy vehicles were launched, and smart new vehicles accounted for 56.0%.

　　In October, new energy listed 75 new cars, down 48.3% month-on-month and 3.8% year-on-year. Compared with September, the intelligent allocation rate of new cars listed in October has not changed much, with 42 smart new cars listed, accounting for 56.0%. Among the models with L2-level intelligent driving ability as standard in the new car, the lowest price is the 2024 145 Max of Changan Qiyuan A05, and the guide price is 132,900 yuan; The highest price comes from the 2023 FR version of Krypton 001, with a guide price of 769,000 yuan.

■ The overall level of intelligent configuration of new cars has not changed much in October.

　　The intelligent configuration level of new cars listed in October was 56.0%, and the configuration rates changed little compared with last month. Among them, the configuration rate of car networking and OTA has maintained growth for several months, at around 90%, which is close to saturation. In the aspect of active braking, the recent AEB dispute between Yu Chengdong and He Xiaopeng has attracted attention.

　　As a basic and important safety function, AEB (Automatic Emergency Braking) system has attracted more and more attention from consumers, but there are great differences in the understanding and mastery of this technology among different car companies. This incident actually reflects the subdivision and iteration of intelligent driving technology. The function will not only be divided by "whether there is", but more by "whether it is strong or not". In terms of the size configuration of the car’s central control panel, the configuration ratio of the 12-15 inch central control panel is the highest, reaching 49.3%, which has become the mainstream central control panel configuration scheme for new cars at present.

■ 200,000-300,000 price points have the most new smart models.

　　The following figure analyzes the distribution of new cars and smart new energy vehicles in each price range. Among the new energy vehicles listed in October, none of the models with the price below 100,000 reached the smart car standard, and all the 16 new models with the price of 200,000-300,000 reached the L2 smart car standard. In the price range of 300,000-400,000, only the two models of Hechuang V09 and Lantu Dreamer failed to meet the L2-level smart car standard, while the two models with the price range of 400,000-500,000 were intelligently configured to widen the price range of the models. The average guide price of new smart cars listed is 306,000 yuan, and the median is 292,000 yuan, which is higher than last month.

Fourth, the market price trend

■ Baojun Cloud with L2 intelligent driving function is listed, and the pricing is raised; Audi RS e-tron GT officially cut prices sharply.

　　In October, the top five cars in the weighted price increase of new energy car market were: Baojun Yunduo, Geely Geometry A, Extreme Krypton 001, Zero Run C01 and Flying Plug-in Hybrid. Among them, Baojun Yunduo was attracted by users because two new models with higher pricing and L2-level automatic driving ability were listed in September, and gained relatively more clues, thus pushing up the weighted quotation of the car series. Geely Geometry A is due to the increase in the number of clues of high-priced models, which pushes up the weighted quotation of this car series. Under the market situation in the fourth quarter of this year, the competition between sales volume and price is still going on. In fact, few car companies will take the initiative to raise the sales price.

　　The top five cars whose weighted selling prices have dropped are: Audi RS e-tron GT, Fista Pure Electric, Geely Geometry G6, Mercedes EQS and BMW i7. Among them, the official price of Audi RS e-tron GT has been greatly reduced, with a drop of 221,000 yuan. FAW Audi has also given a subsidy scheme to previous car buyers. It is hard to say whether Audi’s "price-for-price" will work. The price reduction of pure electric vehicles in Fista is due to the fact that its low-priced vehicles without L2 intelligent driving function have gained more clues, thus lowering the weighted selling price.

■ The clues of the high-priced GV60 model of Jennisseth increased, and the weighted quotation increased; The price of the new Tucki G9 is lowered.

　　Among the SUVs, the top five cars with weighted price increases are: Jennisseth GV60, BMW iX, Weilai ES6, Cayenne New Energy and ID.4crozz.. The weighted quotation of GV60 and BMW iX increased because their high-priced models attracted more inquiry clues.

　　The top five cars whose weighted selling prices have dropped are: Tucki G9, Xingyue New Energy, Feifan MARVEL R, Yize E Jin Qing and Zero Run C11. Tucki G9 is due to the listing of the new G9. Compared with the 2023 G9, the overall price has been lowered by more than 50,000 yuan, and the price reduction has brought about an increase in attention. Xingyue New Energy is the price fluctuation in the process of stopping selling. In addition, it is worth paying attention to the zero-run C11. The new configuration of the zero-run C11, which was launched in September, was upgraded and the price was lowered at the same time, making this model a popular car series at present.

V. Summary

　　In October, the auto market maintained a moderate growth, and various auto companies will exert their strength in the fourth quarter, bringing the "tail-lifting effect" at the end of the auto market. The just-concluded China International Import Expo(CIIE) has given multinational enterprises a stage to show their power of electrification and intelligence, and to show their transformation strength and determination. In the field of intelligent network connection, the American automobile industry attaches importance to the coordinated development of Cheluyun; Germany and other European countries are exploring the development of intelligent networked transportation through a large number of technological revolution tests. In China, the continuous policy blessing has superimposed a broad market application scenario, creating a favorable development environment for the intelligent networked automobile industry. Intelligent networked cars in all countries have entered a new stage of development. Whoever can take the lead in mass production of L3 intelligent driving technology and scene application will have absolute voice and commercial competitiveness in the second half of the autonomous driving market. (Text/car home Research Institute)

　　Sina Auto News Auchan brought two models, Coshang and Neo II, to the Guangzhou Auto Show in 2018, and officially started pre-sale. Among them, Keshang has launched a total of 8 models, and the pre-sale price is 998-142,800 yuan; Neo II has launched a total of three models, and the pre-sale price range after subsidy is 44,800-56,800 yuan.

　　A few days ago, the official interior map of COSMOS, a 7-seat car owned by Auchan Automobile, was exposed. COSMOS, as the second model of Auchan automobile brand, continued the design style of Auchan COS 1.

　　The front face of the new car is designed with a family lattice air intake grille, and the center is a brand new LOGO of Auchan brand, equipped with L-shaped daytime running lights, and the headlights are expected to be equipped with breathing lighting effect. On the side of the car body, Keshang adopts a penetrating waistline design, equipped with 17-inch two-color aluminum alloy wheels, and adopts a suspended roof design. At the same time, B, C and D columns are blackened to enhance the business atmosphere.

　　Auchan COSMOS adopts various seating layouts such as 2+2+3 as a whole. The black and white interior creates a dignified and calm atmosphere. The thick leather seats and a large number of leather-wrapped center console and door armrest areas further enhance the mid-to high-end texture of the overall interior.

　　Auchan COSMOS has two independent leather seats in the second row. At the same time, the car is also equipped with a large panoramic sunroof and electric sliding doors on both sides.

　　According to the information previously exposed, the new car will be equipped with a 1.5T engine and 6MT/7DCT gearboxes, and various power combinations can provide consumers with more choices.

　　O ‘Shaunio II has adopted a relatively novel design technique, and its overall personality is full. It is understood that the car has a comprehensive cruising range of 205km and adopts a two-seat layout. The new car launched three models, positioning the new energy A00 model, and the cruising range is expected to be 205km.

　　The new car has a size of 2770*1545*1690 and a wheelbase of 1680mm. The appearance is small and lovely, with split headlight design, long and narrow light strip design on the front face, connected by a penetrating horizontal grille in the middle, and the eyes are slightly sharp; The rectangular symmetrical headlights below, with irregular hollowed-out wind-hitting surfaces, add a bit of youthful and playful design.

　　The overall design of Neo II side is relatively simple, and the front door is painted in blue, highlighting its new energy identity; The B-pillar design hidden at the top brings a flexible suspended roof, which makes the whole look dynamic; The tail runs through the light strip, which has a good recognition.

　　In terms of interior, the overall style is relatively bright and simple, and the white decorative board matches the three colors of the body to create a youthful style. The steering wheel adopts a two-color design consistent with the interior and is equipped with multi-function buttons; Through the center console, with a driving LCD screen, the overall design is simple and personalized.

　　It is worth mentioning that NIO II is not equipped with a conventional transmission rod transmission device, but a knob-type electronic gear shifting device; At the same time, it adopts the popular keyless entry+one-button start function, GPS navigation system, electric adjustment of rearview mirror, parking radar, car Bluetooth, T-BOX and other intelligent configurations, which has good competitiveness compared with the same class models.

　　In terms of power, the top speed of NEO II is 100km/h, and the charging time is set to be slow charging for 6-8 hours, and it can be fully charged in 30 minutes. In urban travel, it can well meet the commuting radius and convenience of daily driving. The new car adopts front McPherson independent suspension, rear single diagonal arm independent suspension and dual independent suspension system, and its shock absorption and ride comfort performance are worth looking forward to.

In the B-class market, it has always been in the position of sales champion. Although it has been chasing after it, it is still inferior. In the 11-month sales volume, the sales volume exceeded 200,000, leading and about 50,000, and the data proved the best strength.

At present, the latest model in China is 2020, and the price of the new car is 16.93 million. First of all, compared with the previous eight generations and eight generations, the appearance has changed dramatically. From the appearance, it is more sporty and younger. It is also to cater to China’s current national conditions, and the consumers are younger. From the past, it was used as a special car for the government and companies, because its excellent quality has accumulated many consumers and guaranteed its unshakable position in the China market.

Large refit

black

The large-size air intake grille on the front face of the new generation is matched with the slender headlights on both sides, which looks very beautiful. The waistline on the side is three-dimensional and smooth, extending from the front to the tail, which looks a lot of fashion sense. In the design of the tail, after the double-purchase shape on both sides is lit, the recognition is very high. With a slight tilt, it is full of movement.

Mainly white and black.

In terms of dimensions, the new width and height are 4983/1862, /1449/mm and 2830 respectively, and the interior has not changed much. However, in terms of safety system, the new car has been greatly upgraded, and it is equipped with driver assistance technology kits, such as driver’s attention monitor, pedestrian collision system, multi-angle camera, lane keeping assistance, automatic distance headlight, adaptive cruise control and traffic sign recognition system.

Dynamic and fashionable interior

In terms of power, the new car is equipped with 1.5 four cylinders, 192PS, and the peak torque is 260N.M, which is matched with CVT stepless, sports version, 2.0T+6-speed manual, and 2.0T10AT. The price is 188,800 yuan and 228,000 yuan in stages. Overall, the new car has changed a lot, but its safety performance has been greatly improved. The new car will continue to land on the market next year.

No. author provides articles.

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As the release time of the Huawei Mate70 series approaches, there are more and more exposures about the Huawei Mate70 series. According to the Bilibili blogger, the chip equipped with the Huawei Mate70 Pro + is quite amazing in terms of performance. Under the strong blessing of Hongmeng System, even if its actual parameters are about the level of the Snapdragon 8Gen2, it may even be slightly stronger, but after careful tuning and optimization by Huawei…

With the progress of social civilization, we can see that many high-tech technologies have been applied to mass-produced vehicles, and the driving experience of consumers has been improved, which is highly playable. Today, Xiaobian chose a car in a medium and large car and introduced it to everyone. It is. Let’s take you to appreciate its style.

Let’s take a look at the appearance of Mercedes-Benz EQE. The front of Mercedes-Benz EQE is hard-core and looks sporty. The front headlights are very solid and full of individuality. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, automatic steering, delayed closing and so on. Coming to the side of the car, the body size of the car is 4969MM*1906MM*1514MM, and the car adopts solid lines, which gives people a very fashionable and dynamic feeling. With large-sized thick-walled tires, it looks full of sports. In terms of the rear end, the rear end looks very elegant, and the taillights give people a very hard-core feeling, and the overall shape is still very attractive.

In terms of interior, Mercedes-Benz EQE interior looks very avant-garde and the visual effect is quite unique. The steering wheel of the car is very in line with the interior style, equipped with electric up and down+front and rear adjustment, steering wheel memory, and other functions, full of design sense. Let’s take a look at the central control panel with 12.8-inch touch OLED, which makes the interior style impressive and meets the aesthetic standards of most consumers. Let Xiaobian introduce the dashboard and seats. The dashboard of this car presents a young and individual design style, which looks avant-garde. The car adopts leather-like seats, equipped with auxiliary seats with memory electric adjustment, seat with memory electric adjustment, seat proportion down and other functions, and the overall comfort and wrapping are not bad.

Mercedes-Benz EQE matching gearbox, 100 km acceleration time of 6.7s, power to meet daily use completely OK.

Mercedes-Benz EQE trunk space has a good performance, the opening size is in line with the positioning of its family car, and the family’s storage needs can be met. In addition, the car is equipped with fatigue warning, anti-lock braking (ABS), LED daytime running lights, brake assist (EBA/BAS, etc.), braking force distribution (EBD) main driving airbag, co-pilot airbag, knee airbag, side airbag curtain, front side airbag and other safety configurations.

After reading this car, I believe you have a general understanding. I have already introduced this car almost. I believe many users who buy a car have taken a fancy to its comfort and practicality.

　　Xinhua News Agency, Gaza, November 26 (Reporter Liu Weijian) The Kasang Brigade, an armed wing of the Palestinian Islamic Resistance Movement (Hamas), issued a statement on the 26th, saying that the Kasang Brigade released the third batch of detainees on the same day, including 13 Israelis, 3 Thais and 1 Russian. According to a report by the Palestinian News Agency on the 26th, Israel released 39 Palestinian minors that night.

On November 26th, released Palestinians were reunited with their relatives in Ramallah, a city in the West Bank. Xinhua News Agency (photo by Ayman Nobani)

　　The Israeli military issued a statement on the evening of 26th confirming that it had received the third batch of 17 detainees released by Hamas. Among the 17 released persons, there are 13 Israelis, 3 Thai citizens and 1 Russian Israeli. Among them, 12 released Israelis returned to Israel through the central border of the Gaza Strip, and three Thais and one Russian Israeli arrived in Israel through the Rafah port in the Gaza Strip bordering Egypt. The Israeli Prime Minister’s Office issued a statement saying that another 84-year-old Israeli released person was taken to the hospital in the southern Israeli city of Beersheba by helicopter because of poor health.

　　According to a report by the Palestinian News Agency on the 26th, Israel released 39 Palestinian minors that night. At present, these minors have left Orff prison in the West Bank for Ramallah by bus. Earlier in the day, the Israeli Prison Administration announced that it had completed preparations for the release of the third batch of Palestinian detainees.

　　The Qatari Foreign Ministry issued a statement on the 26th, saying that on the third day of the implementation of the humanitarian ceasefire agreement in Gaza, Israel will release 39 Palestinian detainees, Hamas will release 13 Israeli detainees in the Gaza, and one Russian and three Thais have been handed over to the International Committee of the Red Cross.

　　Hamas said in a statement on the evening of 26th that Hamas is seriously considering releasing more detainees in exchange for a longer ceasefire in Gaza.

On November 25th, the staff of the International Committee of the Red Cross sent the released persons to Rafah Port in the south of Gaza Strip. Xinhua News Agency (photo by Rizek Abdul Jawad)

　　The ceasefire agreement between Israel and Hamas in the Gaza Strip came into effect at 7 am local time on 24th. According to the agreement, the Gaza Strip will cease fire for four days, and Palestinian armed groups and Israelis will stop "all military actions". Hamas released 41 detainees in two batches on the evening of 24th and 25th respectively, and Israel also released 78 Palestinians in two batches. (Participating in reporters: Lv Yingxu, Zhang Tianlang, Wang Qiang)

　　"Some time ago, Yu ‘ebao adjusted the upper limit of the personal trading account to 100,000 yuan. I was stunned. I was originally planning to deposit 200,000 yuan in the bank card into Yu ‘ebao. The interest on this money in the bank is too low to be worthwhile; Take it to invest, but I am afraid of risks. Yu’ ebao is indeed a good choice. " What Xue Shao, who has just worked for a short time, doesn’t understand most is why there is an upper limit on the deposit amount of Yu ‘ebao, but there is no deposit in the bank account. Is there any difference between the two?

　　With the maturity of Internet payment technologies such as Yu ‘ebao and WeChat Licaitong, more and more young people choose to deposit their spare money in payment accounts. On the surface, there is no difference between putting money in the bank and putting it on Yu ‘ebao and Licaitong: users have personal payment accounts, which are paid at the same time, and the latter can get much higher income than bank deposits.

　　What many people don’t know is that the balance in payment accounts such as Yu ‘ebao and Licaitong is not the same as bank deposits.

　　First of all, from the subject of providing account services, payment accounts such as Yu ‘ebao were originally opened by payment institutions for the convenience of customers’ online payment, and were mainly used for payment settlement of e-commerce transactions. Bank accounts are opened by banking financial institutions for customers for payment, settlement, preservation and appreciation. The two account opening entities are different.

　　Secondly, from the nature of account fund balance, bank deposit is the creditor’s rights of various organizations (including various enterprises, institutions, organizations) and individuals to the bank, which can be withdrawn or transferred according to the agreed conditions, and from the bank’s point of view, it is a debt to depositors.

　　Payment account balance is not a bank’s debt to depositors, but a monetary fund in essence. Take Yu ‘ebao as an example. It is a balance appreciation service launched by Alipay. Its essence is to buy a money fund named "Zenglibao" provided by Tianhong Fund. In the process of users transferring funds to Yu ‘ebao, Alipay and fund companies can complete the process of fund account opening and fund purchase for users in one stop through the system docking, and there is no charge for using Yu ‘ebao to manage money.

　　The Administrative Measures for Online Payment Services of Non-bank Payment Institutions issued by the People’s Bank of China further illustrates the difference between the balance of payment accounts and bank deposits: the balance of funds recorded in payment accounts is different from the customer’s own bank deposits and is not protected by the Deposit Insurance Regulations, and its essence is the prepaid value entrusted by the payment institution for the customer and the ownership belongs to the customer. Although the monetary fund corresponding to the prepaid value belongs to the customer, it is not deposited in the bank in the name of the customer himself, but in the name of the payment institution, and the payment institution initiates the fund allocation instruction to the bank. That is to say, the payment institution deposits the balance of the payment account in its own name in the bank, and it is actually controlled and controlled by the payment institution. This balance is not protected by the deposit insurance regulations. Once the payment institution has operational risk or credit risk, it may lead to customer property loss.

　　Compared with bank deposits, the balance of payment account is more risky and the income is more uncertain. As a monetary fund, Yu ‘ebao and Licaitong are open-end funds that mainly invest in short-term money market instruments. Besides bank deposit certificates, their investment scope also includes short-term marketable securities such as government bonds, central bank bills, commercial bills and corporate bonds with high credit rating. They are supervised by China Securities Regulatory Commission and have the characteristics of high liquidity and low threshold, and the risk of losses is relatively low.

　　After recognizing the difference between the bank account balance and the payment account balance, the public can deal with the funds in hand more purposefully. If you have some idle funds and you are not sure whether you need them in the short term, it is recommended to buy Yu ‘ebao or Licaitong in case of emergency. However, if you have a large amount of money and are unwilling to take risks, it is still recommended to put it in a bank account.

　　BEIJING, June 28 (Xinhua) According to Reuters news, on the 27th local time, at the EU summit in Brussels, the European Council decided to nominate Ursula von der Leyen for re-election as the president of the European Commission.

　　At the same time, the meeting also elected former Portuguese Prime Minister Costa as the next president of the European Council, and nominated Estonian Prime Minister Caras as the EU’s High Representative for Foreign Affairs and Security Policy.

　　According to the report, Italian Prime Minister Silvio meloni abstained from voting on Ursula von der Leyen’s re-election and voted against Costa and Caras, despite his broad support within the EU. She then said on social media that she decided not to support the nominated new EU leaders.

　　In addition, Hungarian Prime Minister Orban voted against Ursula von der Leyen.

　　According to the report, Ursula von der Leyen’s nomination still needs to be voted by secret ballot in the European Parliament. In a short speech, Ursula von der Leyen thanked the leaders who supported her and said that she would now seek the support of the Parliament.

　　According to reports, Ursula von der Leyen is from the center right, Costa is from the center left, and Callas is from the European liberals.

　　　　[XCAR Information Original]

　　　　During the 2013 Detroit Auto Show, Jeep released a new guide and a new freelancer. The biggest change of the two new models is the replacement of 6AT gearbox. It is reported that the new car will be expected to be sold in the US market in the second quarter of this year.

　　　　●Jeep new guide

　　　　Compared with the cash, the appearance of the new guide is not obvious, and the most important change is the replacement of 6AT gearbox. It is reported that in the American market, the new guide has two four-wheel drive systems, Freedom Drive I and Freedom Drive II, and the latter still matches the enhanced CVT gearbox. In addition, the new Guide will continue to be equipped with the current 2.0L and 2.4L engines.

　

　　　　●Jeep new freelancer

　　　　The biggest change of the new freelancer is also that some models are changed from CVT gearbox to new 6AT gearbox. It is reported that the current model matching CVT has suffered from problems such as noise, vibration and stiff shifting, so the gearbox has been replaced. The new 6AT gearbox is optional on the Sport version, but standard on the Latitude and Limited models. It can be mounted on front-drive vehicles and models with Freedom Drive I four-wheel drive system.

　　　　In terms of configuration, the new freelancer is equipped with front side airbags, while ESC body safety and stability system, electronic anti-roll system, ramp assist system and other configurations are standard. In terms of power, the new car is still equipped with 2.0L and 2.4L engines.

　　　 Edit commentsThe latest news shows that Jeep will be officially made in China in 2014, and models such as Guide and Freelancer will be candidates.

　　　 Related content review:

　　　 Jeep, which was put into production in 2014, is determined to be made in gac fiat.
　　　 http://info.xcar.com.cn/201301/news_839510_1.html

[Truck House Original] Recently, we saw a set of data on the live broadcast of a press conference. In the heavy commercial vehicle market in 2019, about 8,000 vehicles equipped with AMT automation were sold. By 2020, nearly 50,000 heavy commercial vehicles equipped with AMT gearboxes have been sold, showing almost explosive growth.

The outbreak of automatic transmission has attracted the attention of manufacturers.

The explosive growth of automatic heavy trucks not only makes more card friends choose automatic transmission models, but also makes all manufacturers aim at this field. To put it simply, in the eyes of manufacturers, this thing can be sold and sold for more money, then they will invest in research and development and make this thing. The more R&D is invested, the more ways to realize automatic transmission, or the more R&D routes.

And the live broadcast we saw came from the international gearbox, or the transmission system giant Borgwarner. The theme of this live broadcast is how promising it is to use the dual-clutch gearbox in commercial vehicles, and what kind of experience it will bring.

To put it simply, Borgwarner, as a giant in the transmission system manufacturer, has targeted the market of truck dual clutch. Judging from the participating brands, many domestic truck brands also recognize this matter. It can be said that they have reached a consensus.

So what’s the difference between dual-clutch gearbox and AMT now? Let’s have a brief talk first.

What’s the difference between dual clutch and AMT now?

In fact, the essence of dual clutch and AMT is manual gearbox, but AMT operates the gearbox through gear selection computer and actuator. The dual clutch is to subdivide it again, so that two sets of actuators are responsible for odd gears and even gears respectively. For example, if you are hanging the third gear now, then the actuator of the third gear is working. But at this time, the 4-speed actuator with dual clutch is already ready there. When we need to shift gears, it will switch between two sets of actuators.

We can understand that AMT is equivalent to adding a gear selection computer and a set of electronic control actuators to the manual gearbox. The dual clutch gearbox is to install two AMT in the car. The usual shift is to operate between two sets of actuators. In this way, the shift of the dual clutch can be faster, and the power loss caused during the shift process will be smaller. More fuel-efficient, more powerful, and the cost has not increased much.

There is still a long way to go, and it still needs hard work for the dual clutch to gain a foothold.

In fact, the appearance of dual clutch on trucks is undoubtedly a good thing. But after all, it also has shortcomings. If you want to really gain a foothold, according to Xiaobian, it is almost interesting. At least what I say below needs to be changed or satisfied.

1, the price is the key!

Compared with the AT gearbox, which now occupies a dominant position in passenger cars, the dual clutch is derived from the manual gearbox, and the cost is inevitably lower. However, compared with AMT gearbox, it is more complicated, so the cost is still rising.

To tell the truth, it is difficult for freight card friends to survive now, and buying AMT models is already biting their teeth. At this time, a dual-clutch model that is more expensive than it comes out, and the card friends will definitely not accept it. And this is likely to directly end the life of the dual clutch.

2. It is a problem that large torque is difficult to match.

As we mentioned earlier, the dual clutch gearbox is equivalent to an AMT with two sets of actuators. But in the car, everyone knows that the gearbox can’t be too big and too heavy. Therefore, the dual clutch gearbox often integrates two groups of clutches, which leads to a sharp reduction in the volume of clutches in the dual clutch.

The torque that a small clutch can bear is limited. On the live broadcast of this conference, relevant experts directly gave suggestions: dual clutch gearbox, suitable for power chains less than or equal to 1250 Nm. This also makes the dual clutch gearbox bid farewell to many models directly, especially for some trunk logistics that need high-end, the dual clutch has basically been out.

Of course, it is not without application in high-torque models, for example, it provides a dual-clutch version with a maximum of 540 horsepower. According to the industry bull, if the dual clutch of commercial vehicle adopts the form of front-inserted dual clutch, it will have direct structural difference from the dual clutch of passenger car today, so its performance will be different. It is not certain whether domestic manufacturers will choose this technical route if they apply it.

3, durability may be insufficient!

When the clutch plate becomes smaller, its heat dissipation capacity will become worse, and the heating speed will be much faster. This is equivalent to not only limiting its own strength, but also burying the hidden trouble of failure.

Let’s put it another way. In Xiaobian’s 6 years of experience in passenger car media, I have tried countless passenger cars with dual clutch gearboxes. These vehicles have left a bad impression on me more or less during their use. It can be said that the dual-clutch gearbox is not perfect in passenger cars, whether it is a setback in the acceleration process or an abnormal sound under long-term traffic congestion.

We have to put a question mark on the durability of this clutch gearbox in commercial vehicles that are heavily used and bear greater torque.

4, not smart enough is a serious injury!

In addition to the above problems, commercial vehicles, especially heavy trucks, have more gears in their gearboxes, and we often need to downshift frequently when we slow down. However, limited by the principle, the dual clutch gearbox cannot be trip stop. Because the odd gear is hanging, the next shift must be the even gear.

When we slow down or encounter congestion, vehicles often choose different gears according to the degree of deceleration. At this time, the dual clutch gearbox may not be smart enough to hang the gear we need most. And this problem is also the key. You said it was possible to make up for it with its fast shift speed. However, rapid gear shifting will inevitably exert greater pressure on the gear and box structure, which may also increase the failure rate.

● Editor’s note:

Therefore, if the dual-clutch gearbox really wants to be popularized and go to thousands of households, it still needs to overcome many problems. But I believe that once these problems are overcome, the dual-clutch gearbox will definitely bring us a better experience. (Text/Yuan Sheng)