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As of January 2021, the market value of Weilai broke through the $90 billion mark. However, in the past few years, Weilai has experienced a series of setbacks and difficulties, such as a number of financing plans falling through, massive layoffs, the resignation of senior executives and the bottoming out of the company’s stock price. Today, Weilai has crossed the line of life and death and regained the favor of capital.

In Li Bin’s own words, it is: "We were actually beaten on the ground with a left fist and a right fist, and then we got up, and then we were beaten on the ground and got up again. But we stopped. "

At the beginning of 2020, Weilai Automobile, which just walked out of ICU, encountered greater challenges: Tesla cut prices and capital rushed to the new energy automobile market … … What is the magic weapon for Weilai Automobile? What is Li Bin’s "happiness trouble"? From "controversy" to "disappointing", how did Wei Lai do it?

Let’s go on to find the answer at 10: 20 on Saturday night, February 6, in the second program of CCTV Finance’s "Meeting Big Coffee" in the fifth season.　

Porsche factory can’t compare with Jianghuai factory?

Weilai Automobile uses its strength to explain that China manufacturing does not lose to Europe and America!　

In the fourth season "Meet Big Coffee" program, Li Bin was questioned by many people because of the phrase "Porsche factory is not as good as Jianghuai automobile factory".

In this episode, Li Bin specially took the host Shi Xiaonuo to visit the factory of Weilai Automobile in Hefei. The factory was originally a swamp, and it took only 20 months to complete from completion to production. Walking into the factory, you can see that the internal equipment is advanced and orderly.

Inside the factory, a series of honors won by Weilai Automobile are displayed: Weilai ES8 ranked first in the quality list of new energy vehicles in China released by J.D. Power in 2019, which has surpassed well-known automobile brands such as BMW and Tesla (this list comes from one of the most professional and authoritative market research companies in the world, and it is also one of the most authoritative lists in the automobile industry), and Weilai ES8 won the European Body Award, becoming the first high-end brand in China at the European Body Selection Conference & HELL. …

In Li Bin’s view, all these honors show that the manufacturing in China has reached a high level, and the spring of domestic electric vehicle brands has arrived.

Li Bin, the "commentator", specially explained the "Porsche": "I visited the Porsche factory more than 20 years ago, and I felt that there was a big gap between us and Europe … … Now, China manufacturing has really reached a very high level in many aspects. "

Tesla cut prices, Weilai sales rose,

Why does Li Bin have the confidence to say that "Weilai Automobile will not reduce its price"?

In 2020, new energy vehicles will have a rapid development, and new forces such as Tucki, Ideality and Weimar will make great efforts in succession, while Tesla, the leader in new energy vehicles, will reduce the price from more than 400,000 yuan to more than 200,000 yuan. Faced with all these challenges, Li Bin has a "happy worry": the production capacity of Weilai Automobile is not enough. Users have to wait for two months or more to buy a Weilai car.　

Li Bin said that in 2020, the sales volume of Weilai Automobile will double that of 2019, but the automobile supply chain is complex and involves many parts, so it will take some time to expand the production capacity. Li Bin, who has experienced many storms, said that he should be "steady".

The most interesting thing is Tesla’s price reduction. The first price reduction has an impact on Weilai’s sales. Later, the price reduction will increase the sales of Weilai Automobile.

Facing the "price attack" from rivals, Li Bin said that Weilai Automobile would not reduce its price, because he believed that the price reduction was an emotional injury to old users. "We should be grateful to the users who have chosen us and be kind to them. This is the bottom line of an enterprise, and the bottom line of each enterprise is not the same. "

Li Bin also said that a penny is worth a penny. "The price of eating tuna is definitely different from that of eating crucian carp." Li Bin prefers to spend more money on building and changing power stations and improving services for users, because "there will always be users in this world who will recognize your value, as long as you don’t make black-hearted money."

Weilai is praised by users as "Haidilao" in the automobile industry.

Li Bin only scored 50 points for Weilai’s user service … …

Owners who have bought Weilai cars are full of praise for the service of Weilai cars. There is feedback from the owner, which is the most difficult time for Weilai, and the service is not discounted. The industry once said that Weilai Automobile was the "sea fishing" of the automobile industry.

However, Li Bin himself only scored 50 points (out of 100) for the service level of Weilai Automobile. Because he feels that "satisfying users is Weilai’s purpose, not a means". On the road that is good for users and car owners, Weilai has no end.

At an internal staff meeting, he asked the staff confidentially, when Weilai Automobile was the most difficult in 2019, who was more determined to buy a car than the company employees? "We paid all the employees, but the owner bought our car, and once the company went wrong, he would suffer actual property losses."　

Li Bin said that what made him "very unhappy" was that so far, no salesman of a company had ever fought for greater benefits for customers in front of him. Li Bin, on the other hand, has long set an example and got along with the owners of Weilai as relatives.

Every day, he will log on to Weilai APP, give big red envelopes to car owners, and regularly attend meetings with riders to "listen to the most primitive and authentic voice in business logic".

What kind of experience is it to grow up with a brand?

Many car owners have gone through the process of fighting wits with their families before buying the Weilai car, but once they drive it, there are few regrets. There are also car owners who have bought two Weilai cars in a row and asked Li Bin: "Why is Weilai so attractive?"

Li Bin’s answer is warm and sincere: "Technological progress will bring emotional experience … … (Buy Weilai car), car owners are willing to watch it grow up. Now it is impossible to have a mature car brand, which will give car owners a chance to grow together with it, but Weilai can. You watch how it overcomes difficulties a little bit, watch it grow up, and even become a part of its growth. "

It is probably this sense of accomplishment and value that makes Weilai car owners make a lot of warm moves: on Weilai Auto Show Day, hundreds of car owners will be present as volunteers to help Weilai sell cars; When Weilai was in the most difficult time, the user did not abandon it, but actively helped Weilai sell the car and pulled it back from the cliff.　

Why does Li Bin think Weilai’s listing was "unsuccessful"?

In 2018, Weilai Automobile boarded the NYSE. When everyone cheered for Weilai’s listing, only Li Bin felt that the listing was not successful. He revealed in "Meeting Big Coffee": Weilai Automobile plans to raise 2 billion US dollars, only 1.1 billion in the end. The funds originally raised should be enough for Weilai to "burn" for two years, but now it is only enough for one year.

What makes Li Bin feel even worse is that on a public occasion, an American fund investor openly said that you are all liars. Compared with Li Bin’s successful listing in the United States with Easy Car Network last time, Li Bin felt that "an era is over". But even if the rhythm is disrupted, Li Bin’s confidence in starting a business remains as firm as ever.

Li Ning is the platform of Weilai bus.

Li Bin revealed his small goal: one third of the world has one.

This left-behind child who walked out of Dabie Mountain has started a tossing entrepreneurial life since he was admitted to Peking University by counterattack. He has experienced four ventures, making three companies listed.

In Li Bin’s view, every time he starts a business, he has his own difficulties, but he is basically not swayed by considerations of gain and loss, and always takes "how big something is" as his mantra. He said that he didn’t care much about the share price of Weilai Automobile, because his mood always followed that and he couldn’t continue to start a business.

At a NIO DAY of Weilai Automobile, Li Ning gladly "stood on the platform" for Weilai Automobile. As the founder of the national sports brand, Li Ning has a certain meaning of "appreciate each other" to Li Bin. Li Bin revealed the development direction of Weilai to Li Ning: "The market we are aiming at is the market of Mercedes-Benz, BMW and Audi … … See if there is any chance to achieve one third of the world in five years. " Li Ning gave Wei Lai encouragement and shared his secret of starting a business: "Starting a business and living is a great victory."

Indeed, the road to entrepreneurship is not easy, with flowers and applause on the one hand and cliffs and failures on the other. For this venture, Li Bin has great dreams. For example, Weilai Automobile can compete with first-tier foreign brands such as BMW and Mercedes-Benz, and at the same time, he has a calm mind: "Many people have asked me if I want to start a business. In fact, it is very simple. You have to think about it. What should you do if you fail? If you fail, you are still willing to do it, then do it. "

On the track of new energy vehicles, the road ahead is still full of unknowns and dangers. At the end of the program, Li Bin said that the only thing he could do was to "look forward and move forward" … … For more stories about Weilai Automobile, at 10: 20 on Saturday night, February 6, the second phase of "Meeting Big Coffee" broadcast by CCTV Financial Channel continued wonderfully.

　　Editor’s note:When winter comes, the temperature drops and the cold wind rages, and people always feel that they are wearing less clothes when they go out. "Cold" is the main theme now. Today, People’s Daily Health will talk to you about how to eat in winter in order to keep healthy and drive away the cold and warm the winter.

　　Walnut longan beef tendon soup warms and warms the body.

　　Ingredients (2-3 persons): 30g of walnut meat, 15g of longan meat, 10g of medlar, 250g of beef tendon meat, 5 red dates and 5 slices of ginger.

　　Practice: wash the materials, remove the core from the red dates, and cut the beef tendon into pieces and blanch it; Put all the ingredients in a stew pot, add appropriate amount of water and stew for two hours, and season before eating.

　　Efficacy: invigorating qi and nourishing blood, nourishing heart and tranquilizing mind, tonifying kidney and supporting yang.

　　Xin Li, a Chinese pharmacist in the Pharmacy Department of the First People’s Hospital of Guangzhou, said that longan meat, namely longan, is sweet in taste and warm in nature, which is good for invigorating the heart and spleen, nourishing blood and calming the nerves. Lycium barbarum has the functions of nourishing yin and yang, nourishing liver and kidney, and benefiting essence. Jujube is sweet and warm, and it is good at invigorating the middle energizer, nourishing blood and calming the nerves. Walnut, sweet in taste and warm in nature, has the function of tonifying kidney and solidifying essence, and is an important medicine for warming and nourishing life. With pungent ginger, strengthen the effect of warming the middle and helping yang. Paired with beef tenderloin, it can tonify qi and blood, strengthen spleen and stomach, and tonify deficiency.

　　The medicinal materials and ingredients in this soup are boiled into soup, which together play the roles of nourishing qi and blood, nourishing heart and spleen, nourishing liver and kidney, and supporting yang. It is most suitable for warming and warming the body when the temperature drops suddenly in early winter, and can also be used as an auxiliary food therapy for people with fatigue and essence deficiency, deficiency of qi and blood, blood deficiency and chlorosis, anxiety, insomnia and forgetfulness, and weakness of bones and muscles.

　　Sour buckwheat head perilla yellow bone fish soup to dispel cold and warm the body

　　Main effects: dispelling cold, warming body, stimulating appetite and relaxing bowels.

　　Recommended population: the general population

　　Ingredients: 500g of yellow croaker, 8-10 hot and sour buckwheat heads in Xiangxi, 2 tomatoes, several cloves of garlic, several slices of ginger and a little perilla leaves (3-4 people).

　　Cooking method: Slaughter the yellow croaker and add a little yellow wine for later use; Cut buckwheat head, tomato and garlic into small pieces, and put them in a pot with ginger slices to saute; Add 1500 ml of clear water, boil it with high fire, add yellow croaker, and turn to low fire for 30 minutes; Add a little perilla leaves and season with salt.

　　In winter, many people like to eat hot and sour food to warm up, and hot pickled fish is a good choice. Buckwheat is produced in the south. Mature buckwheat is crystal white, similar in shape to garlic, and slightly spicy in sweetness. It is known as "Ganoderma lucidum in vegetables". Buckwheat head contains sugar, protein, calcium, iron, phosphorus, carotene and other substances. Modern medicine has also found that Buckwheat head has antibacterial, hypolipidemic, toxin removal, tumor growth inhibition and other functions. Buckwheat head is a kind of warm food. Eating it in winter has a certain effect of dispelling cold and warming the body. At the same time, Buckwheat head can also dredge lung meridian and large intestine meridian, prevent exogenous diseases, promote digestion and dredge constipation. The making methods of buckwheat head vary from place to place. Today, Xiangxi buckwheat head recommended is sour, hot, tender and crisp, with fresh tomatoes instead of sauerkraut in pickled fish, which adds a unique flavor to this sour soup. People who like perilla flavor can add perilla leaves when cooking.

　　Eat more "red food" to dispel cold and nourish blood.

　　There are two main types of so-called red food, one is meat food and meat products containing heme, such as beef and mutton; One is brightly colored vegetables and fruits, such as carrots, sweet potatoes, red dates, hawthorn and so on. In the bleak winter of everything, such food can first make people shine, bring pleasant visual stimulation, and make people’s appetite open and increase greatly.

　　Chinese medicine believes that red meat is warm but not dry, and has the effects of warming the middle warmer, dispelling cold, warming qi and blood, stimulating appetite and strengthening the spleen. Eating it in winter can not only resist cold, but also nourish the body. In addition, most of the red meat is rich in natural iron, which helps to nourish blood and enrich blood, making the blood full and rosy. It is a good way to nourish blood, kidney and beauty by decocting mutton with proper amount of angelica and ginger once or twice a week.

　　Red fruits and vegetables are also "health experts" because most of them are rich in natural pigments such as lycopene, polyphenol pigments and anthocyanins, which have antioxidant effects and are also rich in calcium and iron, which can protect cardiovascular and cerebrovascular diseases to some extent. In addition, carrots contain a lot of carotene, which can strengthen the spleen and promote digestion, nourish the liver and improve eyesight, reduce qi and relieve cough; Sweet potato enters the spleen and kidney meridians, which can "replenish the spleen and stomach", "benefit qi" and "resist cold", and is regarded as a "good medicine" by Chinese medicine. Jujube can replenish qi, nourish blood and soothe the nerves.

　　Eight kinds of vegetables and fruits should be eaten the most.

　　Grapefruit. Pomelo is rich in nutrients, including sugars, organic acids, vitamins A, B1, B2, C, P, calcium, phosphorus, magnesium, sodium and other nutrients. Pomelo also contains physiologically active substances, such as glucocorticoids and insulin-like substances. Pomelo meat is very rich in vitamin C, so pomelo meat can reduce blood fat, blood viscosity, reduce thrombosis, and have the effects of preventing and treating cerebrovascular diseases.

　　Oranges Oranges are rich in protein, calcium, phosphorus, vitamin C, vitamin B1, vitamin B2, etc., and have the functions of reducing cholesterol absorption, reducing blood lipid and resisting atherosclerosis.

　　Oranges The content of vitamin C and carotene in oranges is high, which can soften and protect blood vessels and reduce cholesterol and blood lipids. Pectin in oranges can help the body excrete waste, lipids and cholesterol as soon as possible, and reduce the absorption of exogenous cholesterol, while detoxification can also reduce blood lipids. Oranges are rich in vitamin C and vitamin P, which can increase the body’s resistance, increase the elasticity of capillaries and lower blood cholesterol. People with hyperlipidemia, hypertension and arteriosclerosis often eat oranges.

　　Lemon. Lemon is rich in vitamin C and vitamin P, which can enhance the elasticity and toughness of blood vessels and prevent and treat hypertension and myocardial infarction. In recent years, foreign studies have also found that green lemon contains an ingredient similar to insulin, which can reduce abnormal blood sugar levels.

　　Mustard: Mustard is rich in lutein and vitamin K, and also rich in vitamin A, vitamin B, vitamin C and vitamin D, carotene and dietary fiber.

　　Sweet potato with skin: A sweet potato with skin about 13 cm long contains 10% of the recommended daily intake proposed by the American Academy of Sciences.

　　Broccoli: low in calories and high in fiber, and vitamin C is higher than that of Chinese cabbage, tomato and celery.

　　Carrot: every 100g contains 1.35 ~ 17.25mg of carotene, and also contains vitamin B, vitamin C, fat and sugar, iron, pectin and inorganic salts.

　　These ways of eating make you warm and blessed.

　　1. Simmer and absorb well. As the temperature drops, eating some slow-cooked dishes, such as stewed lotus root with ribs and stewed beef brisket with radish, can not only warm up the whole body, but also increase the absorption of plant nutrients by the human body.

　　2. add beans to the rice to warm the whole body. Eating more beans has a certain warming effect. Because it is rich in minerals, antioxidants and other nutrients, it can enhance the body’s immunity and cold resistance. Might as well add red beans and mung beans when steaming rice and cooking porridge.

　　3. Root vegetables prevent colds. Autumn and winter alternate, and it is easy to catch a cold due to low immunity. You might as well eat some root vegetables such as carrots, sweet potatoes and pumpkins, which are rich in β Carotene can be converted into vitamin A in human body, which can effectively improve skin quality, vision and immunity.

　　4. Be in a good mood with high-quality fat. Olive oil, sesame oil and coconut oil are high-quality fats, which can not only make vitamins A, E and K in green leafy vegetables, sweet potatoes, pumpkins, cauliflower and cabbage more easily absorbed by the human body, but also contain tryptophan, which can help people prevent seasonal emotional disorders.

　　5. Citrus fruits enhance immunity. Citrus fruits such as grapefruit, oranges and limes are rich in vitamin C, which is very helpful for enhancing immune system function. In addition, grapefruit is rich in lycopene, which helps to prevent cell damage.

　　6. Spices promote circulation. Adding spices to dishes, such as cumin, fennel, cinnamon, cardamom and ginger, can not only warm the body, but also promote digestion. Pumpkin, meat, cardamom and cinnamon have the best taste; Cumin can add fragrance to cauliflower and help burn fat; Brewing lemon and fresh ginger with hot water can promote blood circulation and enhance immunity.

　　In recent years, new energy vehicles have developed rapidly. The picture shows the employees in the assembly workshop of an automobile company in Jinhua City, Zhejiang Province, reporting the cars off the assembly line in an orderly manner. Photo by Hu Xiaofei (People’s Vision)

　　The construction of charging facilities for new energy vehicles is accelerating to help residents travel green. The picture shows a new energy car owner charging in Longxing Lake Park, Baofeng County, Pingdingshan City, Henan Province. Photo by He Wuchang (Xinhua News Agency)

　　On December 14th, insurance association of china issued the Exclusive Terms of Commercial Insurance for New Energy Vehicles (Trial) (hereinafter referred to as the Terms), which consists of the Model Terms of Commercial Insurance for New Energy Vehicles (Trial) and the Model Terms of Accident Insurance for Drivers and Passengers of New Energy Vehicles (Trial). How will the Articles provide more effective and targeted insurance protection for consumers of new energy vehicles? The reporter interviewed the association and relevant experts.

　　What are the highlights of the design of the Terms?

　　— — Diversified insurance scenarios, customized insurance liabilities and humanized insurance protection.

　　"In terms of insurance liability, both for ‘ Sandian ’ The system provides guarantee and comprehensively covers the use scenarios of driving, parking, charging and operation of new energy vehicles; In terms of terms development, it not only considers the current mainstream technical route, but also leaves room for innovation in the new format of the new energy automobile industry. " Wang Yuxiang, member of insurance association of china Party Committee and vice president, introduced that the Clauses cover 4 main risks and 15 additional risks.

　　From the perspective of insurance structure, there are many innovations compared with the current Model Clauses for Commercial Insurance of Motor Vehicles (2020 Edition). Wu Tao, deputy general manager of Ping An Property Insurance, analyzed that the Model Provisions for Commercial Insurance of New Energy Vehicles (Trial) has three main risks and 13 additional risks. The main risks are structurally consistent with the current Model Provisions for Commercial Insurance of Motor Vehicles, and the additional risks have been revised and completed except for the nine additional risks in the current Model Provisions for Commercial Insurance of Motor Vehicles, and the Special Provisions for Value-added Services of Additional New Energy Vehicles have been added. Two additional risks, namely, Additional Hospitalization Allowance Insurance and Additional Medical Expenses Compensation Insurance, in the Model Provisions of Accident Insurance for Drivers and Passengers of New Energy Vehicles (Trial) are consistent with the current provisions.

　　Mao Jiwen, the marketing director of PICC P&C Insurance, believes that the highlights of the Terms are mainly reflected in three aspects: First, the diversification of insurance scenarios, such as the development of "Loss Insurance for Self-use Charging Piles" and "Liability Insurance for Self-use Charging Piles" in combination with the characteristics of new energy vehicles, to focus on solving the risks arising from auxiliary facilities in the application of new technologies; The second is the customization of insurance liability, highlighting the structural characteristics of "three electricity" systems such as battery and energy storage system, motor and drive system of new energy vehicles, and expanding the scope of protection to vehicle-specific use scenarios, such as self-service charging and special vehicle engineering operations; Third, the insurance guarantee is humanized. Combined with the risks in the charging process of new energy vehicles, the Additional External Power Grid Failure Loss Insurance is designed to cover the vehicle losses caused by external power grid transmission and transformation failures and abnormal current and voltage.

　　How to protect the unique losses of new energy vehicles?

　　— — The fire of new energy vehicles and the loss of charging piles are all within the scope of protection.

　　The innovative car scene of new energy vehicles has also derived new risk points. For example, new energy vehicles use power batteries as energy storage devices, and vehicle auxiliary equipment extends to charging facilities. In addition to the traditional traffic accident risk, major accidents such as fire and deflagration of power batteries constitute new risk factors. How to protect the unique accident risks of this kind of new energy vehicles is the focus of consumers’ attention and the focus of previous clause design research.

　　Shen Hua, vice president of China Property & Casualty Insurance, said that the fire and burning of new energy vehicles is not only the insurance liability of "New Energy Vehicle Loss Insurance", but also the insurance coverage of "New Energy Vehicle Third Party Liability Insurance". "At present, the maximum liability limit of auto insurance three-person insurance can reach 10 million yuan. It is suggested that the majority of new energy vehicle owners can choose the appropriate third-party liability limit for insurance according to their own risk protection needs." Shen Hua said.

　　At the same time, Shen Hua suggested that consumers can also choose to insure the "legal holiday limit doubling insurance" on the basis of insuring the auto insurance three risks. During the legal holidays (including weekends), the liability limit of the auto insurance three risks can be doubled, and consumers can get double risk protection only by paying a lower premium.

　　The newly added two additional risks, namely, loss insurance for additional self-use charging piles and liability insurance for additional self-use charging piles, have also attracted much attention. "Additional self-use charging pile loss insurance" provides insurance protection for the loss of charging piles caused by natural disasters, accidents, theft or damage by others; The liability insurance of additional self-use charging piles covers the personal injury or property loss of third parties that may be caused by electric piles.

　　"The Clauses include the loss of charging pile equipment itself and the personal injury or property loss of a third party that may be caused into the insurance liability. This is the first time that the insurance industry has included the off-vehicle equipment into the insurance liability, and it is a bold exploration, important breakthrough and new attempt to provide insurance protection around the consumer car scene." Fu Tianming, vice president of China Life Insurance, said.

　　What changes have been made to the claims process?

　　— — Broaden the security boundary, try our best to avoid claims disputes and continuously upgrade claims services.

　　What is the difference between the claims process of new energy vehicles and traditional motor vehicles?

　　"For consumers, there will be no obvious difference between the claim settlement process and the current Model Provisions on Motor Vehicle Commercial Insurance." Bi Xin, general manager of PICC P&C Claims Department, introduced that claims also showed some new features in view of the risk characteristics and usage characteristics of new energy vehicles.

　　For example, Bi Xin, in addition to including risks such as external power grid failure, charging pile loss and liability into the scope of insurance claims, broadens the protection boundary, and the Terms also explain the expressions of proper terms such as "new energy vehicle", "process of using the insured new energy vehicle" and "battery decay" to avoid disputes over insurance claims caused by different understanding of terms. In addition, the "Terms" continue to upgrade claims services, and comprehensively sort out the risk points, service standards and operational norms that may be involved in claims-related links. "Relying on technology empowerment, we will launch more online, personalized and differentiated new energy exclusive claims service initiatives to better meet the insurance claims service needs of different consumer groups." Bi Xin said.

　　The new energy automobile industry is in the process of rapid development, which poses new challenges to the insurance industry. Experts believe that only by accelerating product innovation, accelerating the accumulation of empirical data, and accelerating the integration with related industries such as automobiles and collecting more industry information can we promote the high-quality development of new energy auto insurance.

Everbright Sunshine Hedge holds Hybrid C for 6 months, which is a medium-risk product with a lock-up period of 6 months.

　　Buying wealth management products through offline banking channels may be misled by wealth management managers; However, online platform to buy wealth management products, although there is no wealth management manager to promote, but it will also be misled. Recently, an investor, Chen Hua (a pseudonym), spoke to reporters and bought wealth management products on the Internet platform. As a result, he bought a high-risk fund for investing in stocks and suffered losses. The reporter’s investigation found that many Internet platforms, such as Alipay, Tencent Licaitong, JD Finance, lufax, etc., all have the chaos of unclear classification, emphasizing marketing and neglecting risk warning. Text: Guangzhou Daily all-media reporter Lin Xiaoli

　　Complaint: Stock funds are mixed with sound financial management products.

　　Chen Hua told reporters that he has always bought wealth management products from Alipay, and all of them are stable products recommended by the homepage. Moreover, because he trusts Alipay, the investment amount is not several thousand yuan, but more than 100,000 yuan. Last month, I bought another 190,000 yuan of wealth management, which was also bought from the wealth management products recommended on the homepage. I bought Everbright Sunshine Hedging’s mixed C for six months, showing that the yield in the past year was 5.0%, which is not very high, so I didn’t expect to lose money.

　　However, when I went in a few days ago, Chen Hua found that there was a loss in the principal. Only then did he find that Everbright Sunshine Hedge held mixed C for six months, which was actually a fund product, and it was also a fund that invested in stocks, a medium-and high-risk field.

　　"Now I have lost 1900 yuan in less than 2 weeks, and I can’t redeem it. I have to wait for 6 months before I can redeem it. I want to buy a wealth management product with stable income, and I don’t want to buy a fund with stocks. Alipay has set up a menu of wealth management products, funds, stocks and other pages, and I have never spent it on the fund and stock pages. However, Alipay has obviously misled the consumption behavior of this fund, and I hope Alipay can compensate me for my losses. " Chen Hua said so.

　　On March 8, the reporter logged into Alipay to check, but did not find the product on the homepage. However, through the search for "Everbright Sunshine Hedges Holding Mixed C for 6 months", it was found that the product was a mixed fund that invested in stocks, and it was a medium-risk product with a lock-up period of 6 months. On that day, it showed that the increase and decrease in the past year was 5.71%. After careful investigation, the reporter found that the fund is a product managed by Everbright Securities, accounting for 60.25% of the shares invested, with heavy positions in Kweichow Moutai, China Zhongmian and Industrial Bank.

　　Coincidentally, the reporter saw similar cases on the black cat complaint platform. Some investors said that in February, they received a recommendation from Everbright Sunshine to hold mixed C wealth management products for six months in Alipay wealth management products, with an annualized interest rate of 6.46%. The product details are the same as other wealth management products. I have been losing money since I bought it. Later, I found out that the product is a stock fund in the fund. The fund product I bought before has a separate fund page, which can be distinguished at a glance. Alipay put it on the regular financial management page and made false propaganda, which led to the wrong purchase and suffered losses.

　　Chaos 1: Unclear classification and inaccurate marking of risk level.

　　According to the reporter’s investigation, besides Alipay, Internet platforms such as Tencent Licaitong, JD Finance and lufax all have various chaos in selling wealth management products.

　　Mr. Huang of Guangzhou told the reporter: "Recently, I talked to my friends about several wealth management products I bought in Ping An Lu Jin, only to know that I actually bought fund products, but I didn’t see the word fund at all when I bought them, and I almost filled in the information incorrectly."

　　On the black cat complaint platform, some users complained last month that Jingdong Finance had unreasonable labels on its deposit products. It is understood that Jingdong Finance puts "Three Gorges Treasure-Yuedeli", a bank time deposit product, in the same category as flexible access products. This user bought "Three Gorges Treasure-Yuedeli" for many times from January to April, 2020, totaling over 110,000 yuan. But in fact, this product is a regular product, so it should not be under the flexible access column. Now, the interest that needs to be deducted is more than 5,000 yuan, and it is fed back to Jingdong Finance. Jingdong Finance has proposed a compensation plan of 50 yuan amount, which the user failed to accept.

　　The reporter’s investigation found that the classification of some platform products is not clear. In the "Steady Financial Management" project of Tencent Licaitong, the reporter saw the hybrid fund products released by several fund companies, with a medium risk level. In Alipay’s "wealth management" project, wealth management products and funds are in the same category; In the wealth management products, there are products such as "money fund" and "bond fund" marked in small red characters. Although money fund and bond fund belong to low-risk products, they actually belong to fund products.

　　In addition, there are also cases where products labeled as "medium and low risk" have plummeted. Some investors told the Guangzhou Daily all-media reporter that the exclusive investment project of the high-end wealth management platform launched on Alipay platform last year was Jiashi Tianli No.1, a subsidiary of harvest fund. According to the propaganda at that time, the accrual benchmark (annualized) of the performance of this fixed-income product was 5%, with medium and low risks, with a starting investment of 310,000 yuan. However, this medium and low-risk product has actually lost money after one year of operation. The net value disclosed at the end of January plummeted by about 10%, and it has not rebounded significantly so far.

　　The reporter learned that harvest fund attributed the net value fluctuation of this product to "the change of asset allocation style in the market" and "the possible large redemption".

　　Chaos 2: Re-marketing and Light Risk Tips

　　In addition, although the online financial platform does not have the oral sales promotion of the financial manager, the propaganda words also tend to be marketing, while diluting the risk warning.

　　The reporter entered a number of financial platforms and found that the fund products were most recommended recently. On the fund sales page, the fund products purchased by 10 yuan abound, which are not only convenient to trade and low in cost, but also ready-made "good base" and "hot base" recommendations, which can be seen at a glance. There are also a variety of concepts to guide investors to "go and see" and "get on the bus immediately", especially the ups and downs up to double digits or even three digits are even more eye-catching, dazzling and ready to move. In fact, the past performance of equity funds does not represent future earnings.

　　"Since the advent of Yu ‘ebao in June 2013, in the past eight years, the Internet financial platform represented by Alipay has gradually optimized the user experience and cultivated users’ investment and financial management habits. A group of post-90 s and post-00 s have gradually grown up. The Internet has become an important consignment channel for investment products such as funds and old-age security, and its sales share has also increased year by year. The convenient experience has made many investors accustomed to buying investment products on these platforms." Yin Yanmin, an analyst at Rong 360 Big Data Research Institute, said that it is precisely the marketing activities such as the platform’s continuous optimization of the buying experience and the nesting of small red envelopes that make many investors unconsciously purchase investment and wealth management products with the process, but they are not used to reading specific product information such as product specifications and risk specifications, which will lead to the mismatch between investors’ risk tolerance and product risks. When they lose money, users feel cheated.

　　Yin Yanmin pointed out that for platform compliance management, investors should not blindly pursue sales and use smooth operation processes to make investors ignore product risks, and make enough risk warnings for high-risk products.

　　Reminder: There is no "guaranteed financial management"

　　A senior person in bank financing told reporters that at present, bank financing accelerates the transformation of net worth and breaks the rigid redemption. Bank financing can no longer claim to be "guaranteed". Similarly, the wealth management products of the Internet financing platform are not completely guaranteed. It is worth mentioning that, due to the new regulations issued by the regulatory authorities in January, commercial banks are not allowed to carry out time deposits and fixed deposit and convenient deposit business through non-self-operated network platforms. At present, the most secure deposit products have been removed from the shelves of Alipay, JD Finance, lufax and other platforms. "Investors should raise their risk awareness." The person stressed.

　　Feng Yun, a partner of Guangdong Green Law Firm, suggested that investors should fully understand the premise that investment is risky, truthfully complete the platform risk assessment, and correctly understand their own risk tolerance. When investing, you should read the relevant information carefully instead of skipping the direct signature.

"I feel lucky to be here. I was a few seconds late to sign up at that time, and I’m afraid the quota will be gone …"

　Last weekend, 50 students went all out to complete the two-day "Devil Training Camp" in the Sports Park of Tihui+Hongguan, Minhang District, which was called "Shanghai Rugby Resort" by many rugby fans. Wang Peihao, a 25-year-old Shanghai boy, was one of them.

After successfully concluding the camp, Xiao Wang said that he was not only lucky, but also more rewarding. "What I learned here will be brought to my friends so that everyone can better participate in the flag football."

This flag football training camp named "Apple Seed Project" actually has a lot to offer-as one of the "stepping stones" for nfl professional football leagues to enter China, it has a history of 19 years. From inviting students to "play" for free at first, it is hard to get a ticket now. It can be said that with the new development opportunities of flag football in China, this "seed" finally reveals new green and is expected to blossom and bear fruit.

Set the alarm clock to grab tickets for "devil training camp"

It is no exaggeration to call it a "devil training camp".

Since its birth in that year, the nfl flag Apple Seed Program has been aimed at cultivating excellent waist flag football coaches and referees nationwide, so even though the training camp last weekend was only "entry-level", both the teaching content and requirements were very strict-from the most basic ball-taking action to the specifications of different positions such as quarterback, center, running forward and receiver; From the detailed explanation of posture, to the tactical arrangement of the game, the norms and rhythm of the referee’s penalty … The two-day training camp, from morning till night, with the record high temperature in Shencheng, can be said to have drained all the energy of the students. "Our clothes have almost never been done!" A student said with a smile.

　 　It’s hard to imagine that such a hard "trial" has been robbed of places. Wang Peihao told reporters, "When I saw the news of the opening of the camp, my first reaction was to judge that the number of places would definitely be’ second light’, so I set the alarm clock one week in advance. As expected, several of my friends were more than 20 seconds late in signing up, so I couldn’t report it!"

　 　It is understood that the training camp has already made four stops in other cities across the country, namely Guangzhou, Hangzhou, Xi ‘an and Chengdu. The registration fee of 2680 yuan, almost all places are "second light". Asked why they signed up, several students said this sentence-"Now the flag football is on the wind!"

What is the "window" of flag football?

　"I am happy to see so many people like flag football!" No one feels more deeply about the "tuyere" in the students’ mouths than Zhou Xiaohua.

　For two days, 43-year-old Zhou Xiaohua dragged his cold body, ran back and demonstrated his movements in the scorching sun, and kept shouting at the top of his voice. In the end, he almost lost his voice.

　As the head coach of the training camp, Lao Zhou is actually the "senior brother" of all the students-NFL China organized and held the "Apple Seed Program" training camp in Beijing, Shanghai and Guangzhou for the first time in 2003, and it was through this that Zhou Xiaohua, who was studying at Shanghai Institute of Physical Education, first came into contact with the waist flag football project. At that time, Zhou Xiaohua was deeply attracted by this sport and began to devote himself to it. Later, nfl China organized junior high school flag football leagues and college students’ flag football leagues in China. He was the "leader" among them, just as Lao Zhou said, "We are the first generation of flag football players in China".

　In Lao Zhou’s view, these students are now in a completely different state of mind from when he participated in the training camp. "We were just curious and interested in that year, and most of the contact with flag football was passive and tentative. But now these students, all with clear goals, are eager to embrace the flag football … "Lao Zhou couldn’t help feeling," The mass base of the flag football now is beyond our imagination. "

　This can be seen from the composition of the participants in the training camp. It is understood that most of the students are in charge of the flag football community. At present, there are a large number of such communities in major cities, gathering a large number of flag football fans. These communities organize group members to participate in offline training and competitions every week. This has formed a stable circle. Even if the sport itself is not mentioned, it is only regarded as a fashionable social activity to gain a sense of belonging, and it is still attractive to young people. However, it is an indisputable fact that qualified coaches are the core of a community, which is also the purpose of these group owners to participate in the training camp. "I hope to convey the correct training methods, rules and competition system to the fans of flag football, otherwise it will be a misunderstanding." A "group master student" said.

In addition, there are some coaches from sports training institutions among the students. Driven by the market, they are also trying to transform, hoping to carry out sports training business with more "money". A student told the author with confidence that the coach resources of waist flag football are in short supply in Shanghai at present. "Many institutions, including some league construction companies, are looking for coaches, but in fact, the number of people with teaching qualifications and teaching ability is very limited."

In addition, there are school teachers and college students-teachers can create interest courses around flag football when they return to school through professional training; College students can form a flag football club.

Where people chase, there is a market. If there is a market, there will be more people chasing it. All this is an intuitive embodiment of the "window".

Take a step ahead and lead the country.

　 　Indeed, the flag football has given people a feeling in the past two years: it has changed from unfamiliar to familiar, too fast. Few people know that nfl China and a group of rugby players have silently nurtured it for nearly 20 years.

　 　This is not difficult to explain: in the increasingly international metropolis, the change of contemporary young people’s life concept and the in-depth implementation of the national strategy of national fitness have provided fertile growth soil for this sport. With the help of social platforms such as Little Red Book, it can gain traffic in a short time and become a new online celebrity movement.

　 　But after all, social platforms can only be used as a pusher, but they can’t be a real grasper of a sport. In the face of the rapid growth of novice players, whether waist flag rugby can grasp the rare historical opportunity depends on whether a series of real problems can be solved-whether there is a stable sports venue, and then a benchmark "rugby resort" is born, making this sport one of the city’s business cards; Whether it is possible to build a brand that is both public-oriented and professional, and finally move towards commercial operation; Whether there are enough qualified coaches and referees to meet the needs of fans from "white" to "specialization" …

　 In Shanghai, the city with the earliest rugby acceptance and the strongest rugby atmosphere in China, a group of professionals and people with lofty ideals have been laid out. They are not only one step ahead of schedule, but also hope to lead the country.

　 It is understood that the nfl flag Apple Seed Program was jointly sponsored by Shanghai Rugby Association and nfl China. They gathered a group of "old wizards" who love rugby and are willing to contribute, and "toured the country" for the purpose of promotion rather than profit, providing the most professional training courses to the public. They also publicize through grounded channels such as new media and communities to expand their influence. It can be said that at present, the training system of waist flag rugby talents in Shanghai has been initially formed.

　 What’s more worth mentioning is that the venue of the "Apple Seed Project" training camp in Shanghai, Tihui+,has reached a long-term cooperation intention with the Shanghai Rugby Association. They hope to make use of their own venue resources and the advantages of a comprehensive service platform to build a "rugby resort" in Shanghai in the future. "From the data of venue reservation, we found that Shanghai residents are very keen on the new sports with multiple attributes such as fitness, leisure, entertainment, social interaction, etc. It is our main goal at this stage to make every effort to build an urban sports center that meets the fitness needs of ordinary people. The strategic layout of cooperation with Shanghai Rugby Association also fits the corporate brand mission of’ healthy life and happy friends’." The relevant person in charge of "Body Exchange+"said.

　 　The author also learned that Hongqiao Town, Minhang District also plans to focus on flag football, gather regional characteristics, guide and support social forces such as sports social organizations, and create brand events that the people love. "Sports Hongqiao" is a business card of the regional party building in Hongqiao Town. Guided by the party building, it actively meets the spiritual needs of enterprises and the masses, gives full play to the innovative advantages of the grassroots party building mechanism, and adopts a brand-new competition mode of "government building, enterprises singing opera and the whole people participating", which has been widely recognized by the citizens in recent years and has produced a wide range of social influence.

　 　The flag-waist rugby has become a candidate event for the 2028 Los Angeles Olympic Games through social media pictures and videos. However, it is undeniable that this sport is still a very minority sport. What he needs most now is a real, healthy and sustainable environment. The rugby people in Shanghai are also going all out on this right road.

Editor-in-Chief: Chen Hua

Author: Yao Qinyi