Looking at China with Mobile Payment (Expert Interpretation)

　　German newspaper Le Monde reported that China’s cashless model has spread to the streets, and no other country bid farewell to paper money so quickly as China. Mobile payment makes people’s lives convenient and fast.

　　According to an article in the Russian magazine Expert, it is not new york or London that will decide the future of the payment system, but China. In 2016, the transaction volume of Alipay and WeChat reached 2.9 trillion US dollars, which is very close to half of the total sales of consumer goods in China.

　　The British "Guardian" Chinese website reported that in the past year, in order to compete for mobile payment market share, Alibaba and Tencent launched a big war. With the explosive growth of mobile payment in China, it has become increasingly burdensome to take a wallet when going out. The victory or defeat of this war is of great importance.

　　The US "Business Insider" website issued a document affirming the development prospect of mobile payment in China. According to the article, the scale of China’s mobile payment market far exceeds that of the United States and European countries.

　　■ Interviewed expert: Cheng Hua, Associate Professor, School of Economics, Renmin University of China.

　　Generally speaking, the rapid development and maturity of mobile payment benefits from the following aspects: first, the popularity of smart phones and the improvement of communication network infrastructure; Secondly, the development of financial infrastructure. Mobile payment requires banks to have mature and convenient online banking services, open interfaces and gateways for mobile payment through the Internet.

　　The most important reason is the great development of mobile payment service providers-non-traditional financial enterprises under the background of science and technology Internet. The global expansion of mobile payment relies not on traditional payment institutions such as commercial banks, but on high-tech Internet companies with large user groups such as Apple, Google in the United States, Alibaba and Tencent in China.

　　China’s mobile payment business attracts worldwide attention, leading the way, and has penetrated into all aspects of social life, which is largely promoted by super applications such as Alipay and WeChat.

　　On the one hand, Internet enterprises in China have built up a huge scale of users, forming a "network effect"-there are enough users and rich scenes, attracting more and more people to join. When these applications establish a huge user network, it is a natural transition to embed mobile payment services from existing services. On the other hand, Alipay and WeChat pay attention to the expansion and deep cultivation of usage scenarios. From the very beginning, mobile payment is deeply embedded in a scene, and in the process of offline development, people access products according to the different needs of people in each scene, thus going deep into daily life.

　　Nowadays, mobile payment in China is going abroad. The strong purchasing power of China tourists has led some popular tourist areas to cater to Chinese’s demands and provide mobile payment services. More importantly, China enterprises embed their own mobile payment services through overseas mergers and acquisitions, capital injection into platforms such as e-commerce and social networking. In September 2015, Alibaba injected capital into Paytm, India’s largest mobile payment and business platform, allowing local people to use the Indian version of Alipay. In the past three years, the company’s total annual transaction volume has increased rapidly, exceeding $29 billion, with a quarterly transaction volume of about 1 billion. The company plans to invest 50 billion Indian Rupee in the next three years to improve the service level of bank transfer and other payment facilities on its platform.

　　Recently, Lianchang International Banking Group, Malaysia’s second largest bank, announced that it will cooperate with Alipay’s parent company Ant Financial to develop a cashless payment application to help Malaysians realize "code consumption" and build a cashless society. At present, Alipay has officially entered 8 of the 10 ASEAN countries except Indonesia and Brunei, basically covering the Southeast Asian market.

　　The maturity of mobile payment in China has brought great challenges to banks and other traditional financial institutions, forcing them to think about how to eliminate market pain points, such as high tax rate, long time lag and inefficiency. China’s mobile payment service is inciting the world.

　　(Interview with Kang Pu)

The new hs7 adopts the latest family-style design language in appearance, and the overall design is younger. The air intake grille with straight waterfall at the front of the car is larger in size, and the chrome-plated decorative strip with straight waterfall in the middle is very exquisite, and it is directly connected with the air intake grille from the outer edges of headlights on both sides, which looks very design-oriented.

In terms of interior, the overall design style of the new car is basically the same as that of the current model, and the details have also been adjusted. For example, it is equipped with a full LCD instrument panel of considerable size and a floating independent touch screen, equipped with a touch-sensitive air-conditioning panel, and equipped with an electronic lever, which is full of technology. In addition, the new car will be equipped with a brand-new three-spoke type.

The length of the car is 4995mm, the width of the car body reaches 1960mm, and the wheelbase is 2920mm, which is quite satisfactory. In the same class, the wheelbase of Hongqi HS7 ranks 75th. The interior space of the car is relatively spacious at the same level, the height and width of the car are ideal, and the legroom in the back row will not feel cramped, which belongs to the upper-middle level at the same level. The 6-seat skylight of the Red Flag HS72.0T Four-wheel Drive Flag Edition provides a wider view, which can create a better visual environment and good sensitivity for the rear passengers and increase the light entrance for the whole vehicle. Among the models of the same price and class, the trunk volume of Hongqi HS7 ranks 118th. Spatial performance is limited by vehicle positioning, and the performance is acceptable, and the flatness is no problem, but the total space is average.

Red Flag HS72.0T Four-wheel Drive Flag Edition 6 seats adopt a 2.0 engine, with a maximum horsepower of 252 and a peak torque of 380, matching the automatic manual transmission (AT). The whole power parameters are superior in power performance among engines of the same class, which can provide better power performance. The official measured acceleration score of Hongqi HS7 is 8.8S, ranking 176th among SUV models with more than 800,000.

The active/passive safety configuration of Hongqi HS7 is complete, includingAutomatic parking、Zero tire pressure endurance tire、Automatic parking、Steep slope descent、hill start assist control、knee airbag、HUD head-up display、Anti-lock braking (ABS)、Braking force distribution (EBD/CBC, etc.)、Brake assist (EBA/BAS, etc.)、Traction control (ASR/TCS, etc.)、Active noise reduction、Engine start and stop、Side safety air curtain、Wireless charging of mobile phone、night vision system、LED daytime running lights、Forward reversing radar、Tire pressure monitoring、Steering wheel heating、Body stability control (ESP/DSC, etc.)、Rear reversing radar、Fatigue reminder、Remote parking、Child seat interface、Lane keeping (LKAS)Equal configuration.

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

In addition to the above description, we can also go to the Easy Car Forum to browse more real car feedback from actual buyers, or use our experience.

　　The new Toyota Corolla Cross recently made its world debut in Thailand. The Corolla Cross is a global model sold in these regions, including China, Europe and the United States. In China, the model is called the Corolla Sharp or Toyota Phonlander.

　　The new Toyota Corolla Cross features a borderless air intake grille, a grille styling that has been adopted in both the new Camry and the Crown. The front bumper has changed little, though the ventilation slots on the sides have been made larger and the headlight set has been redesigned for a sharper look. Nothing has changed on the side, with redesigned 18-inch wheels (17-inch wheels on the lower side), and the taillight pattern has also been changed for a newer look. The new car also adds a metallic gray exterior paint.

　　The new Toyota Corolla Cross is equipped with a 10.1-inch central control touchscreen, standard 7-inch LCD meter, and the top version is upgraded to a 12.3-inch LCD meter. The configuration of the new Corolla Cross Deluxe Edition also includes a panoramic roof, wireless smartphone charging, 360 panoramic images, and more.

　　The new Toyota Corolla Cross is still powered by a 1.8-liter gasoline engine, and there is also a hybrid version, consisting of a 1.8-liter engine and an electric motor, with an unknown output power. In Thailand, the new Toyota Corolla Cross is priced at 999,000 to 1.254 million baht, equivalent to 20-250,000 yuan at the current exchange rate. In comparison, the domestic Corolla Sharp price guide is 12.98-18 4,800 yuan, equipped with 2.0L self-priming and 2.0L dual engine. The new Toyota Corolla Cross was first released abroad, and it is expected that the domestic Corolla Sharp and Feng Landa will also follow. (Source: Toyota Motor)

　　When it comes to Lynk & Co cars, I don’t know what everyone thinks of, is it the all-powerful Lynk & Co team or has it just been launched? If you ask me, I will first think of Lynk & Co’s "+" model. I remember that when the + was just launched, many people still had doubts, thinking that this was a gimmick, but after everyone used it one after another, they realized that this "+" can really make your blood pressure soar!

　　Lynk & Co has taken the "+" as a performance of a performance car, and what happens when this performance collides with an SUV? Don’t worry, today we will experience the + and redefine and understand what a real performance SUV is with Lynk & Co.

　　The change in appearance is very large, not only the exclusive green spray is used, but also different carbon fiber kits are added from start to finish. The wheels, brakes and brake discs are also directly in place in one step, eliminating the need for you to modify, so that you can get off the field after leaving the factory.

　　The changes in the interior were actually not too big, but more reflected in the details, including the exclusive LCD instrument panel, accessories with the exclusive "+" logo, green stitches and decorations, etc. What had to be said was the exquisite materials used by Lynk & Co, which even gave people a feeling that Alcantara did not need money.

　　Lynk & Co 05 + has not yet officially announced the price, but from today’s test drive situation, once this car is listed, it will inevitably cause a lot of turmoil, and even bring a wave of ordering small climax. According to the news we have now, the current model will launch two versions, the price range may be 240,000 yuan – 270,000 yuan.

　　No matter what the final price is, Lynk & Co 05 + is the first model to enter the SUV market below 300,000 performance, it not only leads the trend again, but also gives those who love sports and extreme friends more choices, after all, this car, whether it is appearance, interior or power performance, is not inferior to international luxury car companies, let us all look forward to it, September 30th at 20:05 pm, Lynk & Co 05 + officially came.

　　　　　　How does Ele.me open a store? Many friends do not know the operation process. Today, I will teach you the operation method. If you want to know more, come and have a look.

　　　　　　How does Ele.me open a store? Ele.me store opening process

　　　　　　1. First open the Ele.me login account.

　　　　　　2. In my interface, pull down to the bottom and you will see franchise cooperation.

　　　　　　3. Click Join Cooperation to come to another interface to select the merchant to settle in, and click Apply Now.

　　　　　　4. After clicking Apply Now, you will come to an interface and see the words I want to open a store.

　　　　　　5. Click a few times, I want to open a store, and I will jump to the download center and ask you to download.

　　　　　　6. At this time, there will be an Ele.me merchant version on the mobile desktop.

　　　　　　7. Open the Ele.me merchant version and click I want to open a store.

　　　　　　8. Then enter the mobile phone number to get the verification code.

　　　　　　9. Prepare the following materials and prepare to apply for store opening.

　　

Henan civil servants go to work to play cards and games after the holiday and leave early (Figure)

　　I went to work on the seventh day of the lunar new year, one day earlier than last year, and I haven’t had enough fun yet, which is a bit of a fly in the ointment. It’s time to go to work. What about the arrival of some functional departments and jobs that are closely related to the masses? Have they been put into normal work?

　　Yesterday, this newspaper sent a number of reporters to visit various administrative institutions and found that the situation was mixed …

　　[Zhumadian] Play computer games all day.

　　At 10 o’clock on the 13th, the reporter came to Zhumadian Administrative Service Center, just in time for the relevant departments of the city to check here, and the staff of all departments appeared at the service window on time.

However, most people seem to have nothing to do, some are bored reading newspapers, and some get together to chat.

　　In a "red flag window" of the business bureau on the second floor, a middle-aged man is playing a computer game called "Spider Card" under the eyes of inspectors.

　　At 4 o’clock in the afternoon, the reporter came to the administrative service center again and found that people had gone to the building in the windows of the Transportation Bureau and the Commerce Bureau.

　　On the second floor, in the service window of the Health Bureau and the Industrial and Commercial Bureau, the staff are playing computer games. The reporter finally came to the "Red Flag Window" of the Commerce Bureau and found that the middle-aged man who was playing games in the morning was still playing "Spider Solitaire" attentively.

　　[Xinyang] The licensing booth is busy during working hours.

　　Yesterday at 2: 40 pm, the reporter came to Xinyang City? Jinniushan office in Hequ needs to go through a downhill road to get to the office area. The reporter found that the roadside snow on this road was not cleaned. After entering the hall again, a pool of dirty water blocked the footsteps, and the reporter could only walk along the border.

　　There are three people sitting in the office on the first floor of the office. The reporter saw at the door that a staff member wearing dark blue trousers was making a phone call on the landline. Listen carefully, it was someone who was playing cards: "Do you have time to play cards?" Fifteen minutes later, three people walked out of the office, followed by reporters. They entered the office building of Jinniushan Judicial Office again, but they came out in less than five minutes. The man in dark blue pants called at the door: "Three are short of one, do you have time to play cards?"

　　After that, three people left the office area on a "public security patrol" motorcycle.

　　[Xuchang] The staff collectively left early

　　Yesterday afternoon, Xuchang Administrative Service Center. Just after 4: 30, the staff at several service windows relaxed: some slept at their desks, some three or five people got together to chat, some read magazines, and some simply left the service windows.

　　In the enterprise development service window on the second floor of the center, the female staff wearing grass-green down jackets put on their handbags early, paced back and forth between the business window and their own windows, ready to go home from work, and finally laughed and "got off work" with several colleagues before 5: 08.

　　At 5: 15 pm, many service windows on the second floor of Xuchang Administrative Service Center were almost empty. The security guard on duty at the center said that when you come to the administrative service center, you must come before 5 pm. After 5: 10, they all get off work and can’t do anything.

　　[Luohe] The three-story office building is empty.

　　At 4: 30 pm yesterday, the reporter went to the office of the Party Committee and Township Government of Heilongtan Township, Yancheng District, Luohe City, and knocked all over from the first floor to the third floor, but no one was found.

　　At 4: 43 pm, the reporter walked out of the office building. When leaving, an old man in the guard room stopped the reporter and let him have a drink in the guard room. After the reporter entered, he found that there were several small dishes and wine on a table in the room, and an old man was sitting at the table. "Our leaders came to work today. It didn’t take long before you came. " Seeing the reporter leave, the old man who advised the reporter to "drink two cups" argued.

　　Subsequently, the reporter drove to the Shabei office in Yancheng District and met a duty officer at the Comprehensive Management Office on the first floor. From the second floor to the fifth floor, only one staff member was seen in the typing room on the fifth floor. The staff member told the reporter that he is a party and government office. "The secretary of the Party Committee of our office has been at work today. He was here just now, and he may just leave now."

　　[Zhengzhou] "Don’t play games online to expose journalists"

　　"I’m in a meeting, wait a few minutes."

　　Venue: Administrative Examination and Approval Service Center, Erqi District, Xinghua South Street

　　At 9: 30 am yesterday, the reporter came to the service hall. The hall of hundreds of square meters was deserted. Only a man in a beige jacket stared at the computer and didn’t know what he was doing.

　　The reporter said that he wanted to apply for a certificate, and the "beige jacket" said, "There is a meeting, please wait a few minutes." When it will be finished, the "beige jacket" said that he is not clear.

　　In an "office" in the northwest corner of the service hall, the reporter saw many people sitting inside. Then, a voice came, "This is the first day at work. Don’t play games online to expose reporters." A "flat head" man said.

　　When the reporter approached the door, a young man with glasses came out. "Glasses" claimed to be Chai and belonged to the office of the examination and approval service center. It was their person in charge who spoke just now. On the first day of work, all the staff in the service hall came. Many businessmen haven’t come back to other places for the New Year, but few have come to "do things", so they have a meeting to set the "rules". Chai also told reporters that on the first day of work last year, when they had a meeting, a reporter came over and insisted that they didn’t go to work and didn’t listen to the explanation. This year, they are cautious. "We can’t be wronged this time.".

　　"Maybe it’s a reporter. Stop talking."

　　Venue: Administrative Examination and Approval Service Center of Zhongyuan District, Baihua Road

　　In front of the counter on the first floor of the hall, three women are chatting in the counter. Seeing the arrival of a reporter carrying a camera bag, a woman looked at her partner and said, "It may be a reporter, so stop chatting."

　　The reporter came to the second floor and saw women chatting on both sides of the service hall. There are three ladies in the room with the signs of "Urban Council", "Dog Certificate Collection Office" and "Land and Resources Bureau" on the north side of the east side. Among them, the lady on the east side of the sign of "Dog Certificate Collection Office" is still cutting her nails like no one’s watching.

　　All the staff are on duty.

　　Venue: Guancheng Huizu District Administrative Examination and Approval Service Center

　　At 8: 50 am yesterday, the reporter came to the administrative examination and approval service hall of Guancheng Huizu District and saw that it was busy and they were cleaning. "I didn’t go to work for six or seven days, and some dust fell in the house." Wang Qiaorong, director of the service hall, told the reporter that there were 25 staff members in the hall. According to the fingerprint check-in and actual verification, the reporter found that all the staff members there were on duty.

　　"There are many vacancies, but there are no fewer people."

　　Venue: Jinshui District Administrative Examination and Approval Service Center

　　Yesterday morning, the reporter came to Jinshui District Administrative Examination and Approval Service Center, where the staff was basically in place, and there were five or six stools vacant on the work table. Chief Feng, the inspector there, said that they were spare chairs, and there were twenty-seven or eight people there, except one who was sick and asked for leave.

　　A wheelchair leaned against the "consultation duty" desk. Sun Jing of the District Disabled Persons’ Federation, who was on duty that day, said that although the work time was one day earlier than before this year, it had no impact on everyone. Because no one came to handle the examination and approval procedures, some staff members were busy sorting out the information, and some were busy on the computer, and the hall seemed very quiet.