The same as the annual explosion, Changan Deep Blue SL03 and BYD Seal, which is more popular?

  The same is the heavyweight new energy vehicle of the year, the same is the 200,000-class joint venture B-class car disruptor, and they are all listed in July 2022. Many similarities make Changan Deep Blue SL03 and BYD Seal a hit in the eyes of consumers, but it is difficult to choose. So, which of the two is more popular with consumers? Let’s compare and analyze what are the differences between them.

  In terms of price

  Strictly speaking, Changan Deep Blue SL03 and BYD Seal are not completely direct competition, because Changan Deep Blue SL03 covers the 171,900 – 221,900 price range, while BYD Seal covers the 212,800 – 289,800 price range, the two are obviously competing with the joint venture B-class market. However, in terms of range, Changan Deep Blue SL03’s 515KM and 705KM pure electric versions will compete with BYD Seal’s 550KM and 700KM, but Changan Deep Blue SL03’s pricing is obviously more affordable and therefore more popular.

  Appearance

  The car market dominated by male consumers, especially young male consumers, obviously prefer the tough mecha style of Changan Deep Blue SL03, with a low body posture + sharp lines + frameless door + hatchback tailgate. It is difficult to see that this is only a new energy vehicle of about 200,000 yuan after covering the logo. The appearance of BYD Seal is also very good, especially the design concept of "Ocean Aesthetics". The rounded and cute shape outlined by the curve is indeed easy to make people feel heartbroken, but compared with the future technology sense of Changan Deep Blue SL03, it still loses a little momentum.

  Interior

  In terms of interior, although the price of Changan dark blue SL03 is very affordable, it does not reduce the level of interior decoration, on the contrary, it expresses Changan’s sufficient sincerity. Simplicity is the biggest feature of Changan dark blue SL03 interior. It abandons the traditional stop rod, cancels a lot of physical buttons, and hides the trend of air conditioning… The overall gives a clean and minimalist beauty. The interior of BYD Seal maintains the design concept of "marine aesthetics" of the appearance. Different from the straight line decoration of Changan dark blue SL03, it is better at curvilinear outline, giving people a sense of atmospheric elegance as a whole.

  configuration

  The configuration of BYD Seal is very rich, but it is still a little embarrassing for the Changan Deep Blue SL03 at the same price, which is mainly due to the difference in pricing between the two. The top configuration of Changan Deep Blue SL03 is naturally more attractive than the entry-level BYD Seal at the same price. Take the Changan Deep Blue SL03 705KM pure electric version and the BYD Seal 550KM standard battery life rear drive version as an example. The former comes standard with a more intelligent AR-HUD head-up display system, 3D holographic face login, car system gesture control, fatigue driving prompts and other configurations; in addition, it can also be equipped with automatic lane change, automatic parking, tracking reversing and other configurations, while BYD Seal does not have these intelligent configurations. It is worth mentioning that the Changan Deep Blue SL03 is also equipped with a 14.6-inch sunflower screen, which can be intelligently turned left and right with the driver, providing better aesthetics and functionality.

  Battery life

  The Changan Deep Blue SL03 uses the Sanyuanli battery of Ningde Times and China Innovation Aviation, and the BYD Seal is equipped with a self-developed lithium iron phosphate blade battery, so there is no need to worry about safety. However, in addition to the pure electric version, the Changan Deep Blue SL03 also has an oil and electric extended range version, with a comprehensive cruising range of up to 1200 kilometers, and a comprehensive fuel consumption of only 0.75L for 100 kilometers. This is undoubtedly a better choice for consumers with high requirements for battery life. As for the pure electric version, the Changan Deep Blue SL03 at the same price can reach a cruising range of 705 kilometers, while the BYD Seal can only buy the 550KM standard cruising rear-drive version of the elite type and the distinguished type. Although the BYD Seal also has a 700-kilometer long cruising version, the price is much higher than 40,000, and the cost performance is not high. It is worth mentioning that the top version of the BYD Seal can last up to 650 kilometers and has a four-wheel drive system with a zero-hundred acceleration of 3.8 seconds, but the price is relatively high, and there are many new energy vehicles that can be replaced at the same price.

  In general, Changan Deep Blue SL03 and BYD Seal are both must-see explosions of the year, and both are very popular with consumers. If you have to say that the difference between the two is mainly in terms of price and configuration. As for appearance, control, battery life, etc., there is no absolute difference. So, the budget is about 200,000 to buy new energy vehicles. Do you choose Changan Deep Blue SL03 or BYD Seal?

The surge in online shopping has caused a lot of problems. Please collect this rights protection guide.

  Year-end Promotion and New Year Festival … … Every year before the Spring Festival, it is the peak of online shopping for Chinese people. Consumers buy tight goods at low prices, and businesses "cheat" not to deliver goods. How to solve this problem? Imported food has no Chinese label, is it safe food according to the relevant laws of our country? After the electronic product is activated, what should the merchant do if he refuses to return it for seven days without reason? Please keep this online shopping rights protection guide.

  Case 1

  After placing an order, the merchant fails to deliver the goods according to the promised time. Can consumers claim compensation?

  Xiao Lu bought a pair of running shoes in an online shop and spent 854 yuan. At the time of purchase, the seller in the product page advertised that "the order will be delivered on the same day before 16: 00! Support identification! " After placing the order, Xiao Lu waited for two weeks, but the logistics information of this transaction still didn’t move. During the period, Xiao Lu urged the customer service of the store many times and was blocked by the other party for various reasons. Xiao Lu asked the customer service whether the shoes were out of stock. The other party said that the system was broken recently and could not check the inventory, and told Xiao Lu: Please apply for a refund if you don’t deliver the goods within one week. Xiao Lu was very angry. When she bought it, the store claimed that the goods were in stock. According to the spot delivery rules of the shopping website, the goods should be delivered within 72 hours. Now the store has overdue delivery without any compensation measures. Xiao Lu believed that the seller violated the Consumer Protection Law, which constituted fraud, so he sued the owner Xiao Hu to the court, demanding that the defendant deliver the goods according to the contract, and compensated the plaintiff for 2,562 yuan, which was three times the purchase amount.

  During the trial, Xiao Hu admitted that the goods were out of stock when the plaintiff bought them. At that time, the store staff did not modify the product page in time, which led to a major misunderstanding between the two sides, and his behavior should not constitute fraud.

  After trial, the court held that Xiao Lu purchased the goods involved in the online shop operated by Xiao Hu, and the two parties established an online shopping contract relationship. The store promised in the product page that "the order will be delivered on the same day before 16: 00! Support identification! " After Xiao Lu placed an order and paid the corresponding payment, Xiao Hu failed to fulfill the delivery obligation according to the time agreed in the contract, which constituted a breach of contract. And marked "delivery on the same day before 16: 00! Support identification! " The word "Xiao Lu" is enough to attract consumers’ attention and willingness to buy. After Xiao Lu placed the order, Xiao Hu and the store customer service not only failed to actively communicate and explain the shortage situation, but covered up the fact of shortage for other reasons. Xiao Hu deliberately made up the inventory, and his behavior constituted fraud. Therefore, Xiao Lu asked Xiao Hu to bear the claim of three times the compensation price, and the court supported it. The court finally ruled that Xiao Hu fulfilled the delivery obligation to Xiao Lu; Pay compensation of 2562 yuan to Xiao Lu. After the verdict was pronounced, neither party appealed, and the case has now come into effect.

  [Judge’s statement]

  According to Article 577 of the Civil Code, if a party fails to perform its contractual obligations or fails to perform the contractual obligations in conformity with the agreement, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. In this case, Xiao Hu’s failure to perform the delivery obligation constitutes a breach of contract, and Xiao Lu has the right to ask him to bear the responsibility of continuing to perform. According to Article 55 of the Law on the Protection of Consumers’ Rights and Interests, if a business operator commits fraud in providing goods or services, it shall increase the compensation for the losses it has suffered according to the requirements of consumers, and the amount of the increase in compensation shall be three times the price of the goods purchased by consumers or the cost of receiving services. If the amount of the increase in compensation is less than that of 500 yuan, it shall be 500 yuan. In this case, Xiao Hu informed the consumer that the goods involved could be delivered on the same day, which made Xiao Lu make the wrong intention to buy the goods. There was fraud, and Xiao Lu had the right to claim compensation of three times the purchase price.

  When buying goods on the online shopping platform, if the merchant fails to fulfill the delivery obligation according to the agreed time, it is a breach of contract, and consumers can ask the merchant to bear the liability for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. If there are fraudulent acts such as fictitious inventory to induce consumers to conclude contracts with them, consumers can complain and report to the relevant departments, or bring a lawsuit to the court, claiming that the merchants should pay punitive damages in accordance with the provisions of the Consumer Protection Law.

  travel to watch industry

  Imported food has no Chinese label. Can consumers ask for a refund?

  Ms. Gu bought 4 boxes of Japanese imported food in a purchasing online shop, with a total price of 8,800 yuan. After Ms. Gu placed the order, the store arranged the delivery. Upon arrival, Ms. Gu opened a box to eat, only to find that the product was not labeled in Chinese, and it was illegal food that had not been imported through entry inspection and quarantine. Ms. Hou Gu communicated with the merchant in the hope of returning a refund. The customer service of the store only agreed to return the remaining three boxes on the grounds that the outer packaging of one box of goods had been demolished, which affected the sales. After negotiation failed, Ms. Gu sued Geely Trading Company, the operator of the online store, to the court, asking Geely Trading Company to refund the four boxes of Japanese imported food and bear 10 times compensation of 88,000 yuan.

  The court held through trial that an online shopping contract relationship was established between Ms. Gu and Geely Trading Company. Because the goods involved are not labeled with Chinese labels and the production date marked in Chinese, which is enough to affect food safety, it belongs to safe food that does not meet the relevant laws and regulations of China. Geely Trading Company, as the seller of the goods involved, should be aware of the food safety standards of related products, and its sales behavior violates the Food Safety Law. Ms. Gu’s claim that the defendant Geely Commercial Company should refund the goods and bear ten times the compensation is well-founded in the law and should be supported. The court finally ruled that Ms. Gu returned 4 boxes of Japanese imported food involved in Geely Trading Company; Geely Trading Company returned Ms. Gu’s purchase price of 8800 yuan and paid compensation of 88000 yuan. Neither side appealed after the verdict, and the case has now come into effect.

  [Judge’s statement]

  According to Article 97 of the Food Safety Law, imported prepackaged foods and food additives should have Chinese labels; If there should be a manual according to law, there should also be a Chinese manual. Labels and instructions shall conform to the provisions of this Law and other relevant Chinese laws and administrative regulations and the requirements of national food safety standards, and shall specify the origin of food and the name, address and contact information of domestic agents. Prepackaged foods does not have Chinese labels and instructions, or the labels and instructions do not conform to the provisions of this article, and shall not be imported. According to Article 148 of the Food Safety Law, if a consumer produces food that does not meet the food safety standards or manages food that he knows does not meet the food safety standards, in addition to demanding compensation for losses, he can also demand compensation of 10 times the price or 3 times the loss from the producer or operator; If the amount of increased compensation is less than that of 1000 yuan, it shall be 1000 yuan. However, there are defects in the labels and instructions of food that do not affect food safety and will not mislead consumers. In this case, Geely Trading Company knew that the goods involved were imported goods without Chinese labels and did not meet the food safety standards, but still sold them. Ms. Gu had the right to claim that the defendant returned the goods for a refund and compensated for 10 times the price.

  Food safety is no small matter, and business operators should fulfill the inspection obligations of imported food and avoid selling imported food without Chinese labels. When consumers buy imported foods that do not meet food safety standards, such as those without Chinese labels, they should eat them carefully, and if necessary, they can claim compensation of 10 times the price or 3 times the loss from the seller.

  Case 3

  The electronic product has been activated. Can consumers claim to return it for 7 days without reason?

  Kobayashi is an electronic product enthusiast. During the "Double Eleven" event, he bought a 4399 yuan mobile phone in an online store. After the arrival, he activated the mobile phone according to the instructions. The next day, Kobayashi thought that the screen color of the mobile phone was unnatural and bad for the eyes, so he applied for 7 days and had no reason to return it. The store customer service refused because the mobile phone was turned on and activated. After many unsuccessful negotiations, Kobayashi sued the store’s operator, Youguang Technology Company, to the court, demanding a refund of 4399 yuan.

  Youguang Technology Company argued that the goods involved had been activated, which led to a large depreciation of the value of the goods. According to the screenshot of the order, Kobayashi was reminded on the order payment page that "the activated digital products cannot be returned for seven days without reason if there is no quality problem", so the 7-day unreasonable return rule is not applicable to the goods involved.

  After trial, the court held that the activation of electronic products such as mobile phones has a great impact on their value, and the 7-day unreasonable return rule may not be applied, provided that the seller must set up a significant confirmation procedure in the necessary process of commodity sales. In this case, the plaintiff had activated the mobile phone involved before applying for a return. Although the defendant Youguang Technology Company clearly informed it on the payment page, it failed to submit evidence to prove that it set up a confirmation procedure for the plaintiff’s single purchase behavior in the sales process, so the defendant could not refuse the plaintiff to apply for a return for 7 days without reason. After the verdict was pronounced, the defendant appealed to the optical technology company, and the original judgment was upheld in the second instance.

  [Judge’s statement]

  According to Article 25 of the Law on the Protection of Consumers’ Rights and Interests, when an operator sells goods through the Internet, television, telephone or mail order, consumers have the right to return the goods within 7 days from the date of receipt, without giving reasons, except for the following goods: (1) The goods are customized by consumers; (2) Fresh and perishable; (3) Digital commodities such as audio-visual products and computer software downloaded online or unpacked by consumers; (4) newspapers and periodicals delivered. Except for the commodities listed in the preceding paragraph, other commodities that are not suitable for return according to the nature of the commodities and confirmed by consumers at the time of purchase are not suitable for unreasonable return. Article 7 of the Interim Measures for the 7-day unreasonable return of goods purchased online stipulates that the 7-day unreasonable return rule may not be applied to the following goods that are confirmed by consumers at the time of purchase: (2) goods whose value is greatly depreciated after activation or trial; The provisions of Article 20, in line with the provisions of Article 7 of these Measures, online commodity sellers shall set up significant confirmation procedures in the necessary process of commodity sales for consumers to confirm the single purchase behavior. If there is no confirmation, the online commodity seller shall not refuse to return the goods for 7 days without reason.

  Due to the particularity of online shopping, the law gives consumers the right to regret for seven days. However, in practice, some platforms and businesses issue "overlord clauses" without authorization, rejecting consumers’ reasonable return applications. If you encounter the problem of "difficulty in returning goods" during shopping, don’t be "led by the nose" by merchants or platforms. If the goods do not fall within the scope of exemption from the 7-day unreasonable return rule, you can complain to the relevant departments or protect your interests through litigation. At the same time, consumers should be reminded that 7 days’ unreasonable return does not mean 7 days’ unconditional return. According to the Consumer Protection Law, the goods returned by consumers should remain intact, and the goods of special categories and those confirmed by consumers as unsuitable for return at the time of purchase are not applicable to 7 days’ unreasonable return.

  (The characters, companies, shops and brands in the text are all pseudonyms.)

  Text/Yang Qing (Beijing Haidian Court)

A children’s theme complex will be built on the south side of Hongshan Zoo.

On August 13th, Nanjing Municipal Bureau of Planning and Resources announced the adjustment of planning and design scheme of plot NO.2016G103 in Xuanwu District before approval. This new Xuanwu commercial body, backed by Hongshan Forest Zoo, will have new adjustments in roof contour and traffic organization.
Project location map.
The reporter learned that the project is located in the original Shenyang Village plot on the north side of Hongshan South Road. In 2017, it was introduced into the commercial body through bidding and planned to build a magic forest. This plot belongs to Hongshan New Town in the north of Xuanwu Railway, backed by Hongshan Forest Zoo, and looks across the road from Nanjing Station and Long-distance Passenger Station. The reporter recently saw at the scene that the commercial body has started construction in the long green enclosure.
The area of this adjustment.
According to the plan, the plot is divided into two parts, AB, of which the planned land for plot A on the east side is commercial land, with a land area of about 23,283 square meters and a height of no more than 15m. The nature of the planned land for plot B is park green space, and only underground space is used to build the parking garage for plot A, with 313 planned parking spaces.
According to this announcement, due to scheme optimization, it is planned to optimize the original plane layout. That is, adjust the local roof contour, optimize the traffic organization and vertical design, adjust the parking space layout of ground motor vehicles and non-motor vehicles, and the location of bus drop-off points.
Within the enclosure, the project has started construction.
After adjustment, 22 parking spaces for small motor vehicles on plot A were adjusted to 3 parking spaces for loading and unloading vehicles (freight cars). Two parking spaces for small motor vehicles and five parking spaces for buses are set on the west and south sides respectively. In the interval, there are also 227 non-motor vehicle parking spaces for the public.
The adjusted design renderings.
Block B is close to Hongshan South Road and a bus drop-off point is set up. And adjust the entrance and exit of non-motor vehicles entering the basement to facilitate citizens to ride bicycles in the future. Through the optimization of underground space, the underground construction area of plot A is about 6321 square meters, which has increased and its main functions remain unchanged. The underground construction area of plot B is about 11,751 square meters, which has been reduced, and its main functions remain unchanged.
The commercial body will implant children’s theme content. (renderings)
In the planning, the reporter also noticed that in the future, Hongshan Forest Zoo also plans to build the south gate to integrate with the park green space of plot B. The children’s theme complex in plot A also echoes the zoo. According to the plan on the construction board, the project will be basically completed by the end of the year.
Nanbaorong Media Reporter He Gang Figure/Text
Rendering: Publicity map of the Municipal Planning and Resources Bureau
Reporting/feedback

The ending of "Perfect Stranger" slams the emotional pain, causing hot discussion among netizens.

1905 movie network news The topic masterpiece "Perfect Stranger" landed in the national cinema on May 25th. Since the film was released, it has received rave reviews on major ticketing platforms and movie websites, among which V Tao’s recommendation rate is 93%, Taobao Film’s rating is 8.5, and Cat’s Eye rating is 8.6, ranking first in the same period. The box office has also been rising under the blessing of good reputation, with the opening weekend exceeding 16 million, setting a record for Italian films in China. Directed by Paolo Genovese, the film reveals the crisis of trust of contemporary people through a large-scale emotional trial between three couples and a good friend after the secret exposure of their mobile phones. I believe that with the continuous fermentation of good word of mouth, this "May Must See" warning emotional blockbuster will continue to exert its strength and gain recognition from more viewers.

See also the masterpiece of small language counterattack to play a new height of psychological impact.

In the past two years, the audience’s choice tends to be diversified, and they are no longer blindly pursuing audio-visual impact, which gives the masterpieces of small languages in India, Spain and Thailand the opportunity to counterattack frequently. The Italian film "Perfect Stranger", which is now being shown, has successfully taken over, which also shows that the audience’s hard power can be captured without IP and special effects. Every mobile phone in the film is an untimely bomb. Once it rings, there will be an ulterior secret exposure, which will lead to a bloodless fight, so that many viewers exclaimed, "This is not a mobile phone game, but a serial killing game" and "The best movie I have seen this year is not just as simple as the Italian version". The suspense of layer-by-layer promotion and the "killing" of step-by-step escalation have brought psychological impact to a new height, which has made the audience hooked up and praised "wonderful! The scene is simple, but the drama conflict is more exciting than one wave. "It can be said that the heart is on the string."

Sharp dialogue, dismantling the relationship between men and women, emotional pain, and so on.

The film is a bottomless confession that few people dare to play in real life, which greatly satisfies people’s curiosity, and at the same time, it also hits the pain of the relationship between men and women. The three couples in the film each have their own "itch", which corresponds to the three marital states in reality, and also makes some viewers feel strongly substituted, and they are extremely afraid to think carefully. "The whole process is high-energy, and the jokes are arranged just right, but if you think it is a comedy, then you are wrong, and it is the best thriller of the year." Thriller is not only the plot, but also the sharp dialogue, which has become a big plus. "The script is great, and a lot of wonderful lines are caught." Some viewers said, "Men are PCs and women are Macs. I fell into deep thinking after spitting out this slot." There is also "the mobile phone is like the black box of our life. If couples look at each other’s mobile phones, how many couples will end up in a dead end", which not only lays the groundwork for the plot, but also subtly urges the audience to self-examine. Some people admit that they are scared to quickly add a password to their mobile phones, while others claim that they are "thinking it over, I still think this game is necessary".

God’s ending leads netizens to discuss the details. It is worth brushing.

The story happened during an eclipse, and the ending was a stroke of genius, throwing a metaphor of "the dark side of the moon, that is, the dark side of people", which quickly triggered a hot discussion among netizens after it was released. Many viewers said that the eclipse stalk slipped to fly. "One second, it was hysterical and turned against each other. The next second, everything was reversed, all secrets were still secrets, and things that should not be revealed were still undercurrent." Some people think that although the ending has a strong surreal meaning, the theme conveyed is extremely realistic. "I give full marks for God’s ending, just to show you that if you don’t play the game, everything will be as good as before, which will set off the cruelty of reality after playing the game." There are more viewers discussing whether the ending is a parallel world or whether the characters pretend nothing happened. In fact, the male owner Rocco’s blue and white shirt switching and his wife Eva’s earrings have all given hints.

In addition, there are many wonderful details in the film. For example, Rocco said at the beginning that he refused to play the game, "I am worried about what secrets you are hiding, and I don’t want to know if you are cheating." Many viewers said that it needs two brushes to ponder carefully. When seven characters are the murderer, the victim and the judge at the same time, the audience, like detectives and juries, fully appreciate the unique viewing experience of exploring the truth and empathy, especially married and unmarried audiences, which can find resonance and enlightenment.

CAAC solicited opinions on "Provisions on the Administration of Air Transport Services for Passengers with Special Needs"

In order to strengthen the management of air transport services for passengers with special needs, protect the air travel rights of passengers with special needs, and standardize the service guarantee process, the Civil Aviation Administration, on the basis of summarizing the working experience of passengers with special needs in recent years, drafted the Provisions on the Administration of Air Transport Services for Passengers with Special Needs (Draft for Comment), the full text of which is as follows:

Provisions on the Administration of Air Transport Services for Passengers with Special Needs (Draft for Comment)

Chapter I General Provisions

Article 1 [Legislative Purpose] In order to protect the air travel rights of passengers with special needs and standardize the service guarantee process, these Provisions are formulated in accordance with People’s Republic of China (PRC) Civil Aviation Law, People’s Republic of China (PRC) Disabled Persons Protection Law, People’s Republic of China (PRC) Barrier-free Environment Construction Law, People’s Republic of China (PRC) Elderly Rights Protection Law and other laws and administrative regulations.

Article 2 [Scope of Application] These Provisions shall apply to carriers, airport management agencies, ground service agents, aviation sales agents, aviation sales network platform operators and aviation information enterprises established in accordance with the laws of People’s Republic of China (PRC) to engage in air transport services for passengers with special needs.

These Provisions shall apply to foreign carriers, carriers from Hong Kong, Macao and Taiwan who engage in the activities specified in the preceding paragraph and whose flights originate or stop in People’s Republic of China (PRC) (excluding Hong Kong, Macao and Taiwan, the same below).

Article 3 [Supervisory Duties] The Civil Aviation Administration of China (hereinafter referred to as CAAC) is responsible for the unified supervision and management of air transport services for passengers with special needs.

China Regional Civil Aviation Administration (hereinafter referred to as the Regional Civil Aviation Administration) is responsible for the supervision and administration of air transport services for passengers with special needs within its jurisdiction.

Article 4 Passengers with special needs have the same rights of freedom of movement and freedom of choice as ordinary passengers, and it is forbidden to discriminate against passengers with special needs during air transportation.

Article 5 [Service Commitment] Encourage and support carriers and airport management agencies to formulate service commitments for passengers with special needs that are higher than these provisions.

Chapter II General Provisions

Article 6 In order to ensure the safety of civil aviation operation and the personal safety of passengers, the carrier may formulate specific standards for the carriage of passengers with special needs according to the aircraft type, human resources and support capacity, but it shall not violate the relevant requirements of national laws, regulations, rules and administrative normative documents.

The transport standards for passengers with special needs can be clearly defined in the general conditions of transport or stipulated separately, but they should be regarded as a part of the general conditions of transport and announced in a prominent way at the same place as the general conditions of transport.

Article 7 Carriers and airport management agencies shall formulate targeted air transport service guarantee procedures according to the characteristics of various types of passengers with special needs.

Article 8 [Information Notification] Carriers, aviation sales agents and operators of aviation sales network platforms shall set up corresponding procedures in their ticket offices, ticketing networks or telephone booking systems to ensure that ticket buyers can effectively explain their physical condition, apply for special needs services and provide relevant certification materials.

Passengers with special needs shall inform the carrier or its air sales agent of their physical condition, required services, assistance requirements and other information when purchasing tickets.

Passengers who have temporary special needs after purchasing tickets shall take the initiative to contact the carrier and explain the relevant situation in detail; The carrier may decide whether to carry the goods according to the actual situation.

Article 9 [Information Transmission] Aviation information enterprises shall mark passengers with special needs to ensure that information such as identity information, physical condition, required services and assistance needs are transmitted to carriers, airport management agencies and other security units.

Article 10 Where a carrier requires a passenger with special needs to provide relevant certificates suitable for taking the flight, it shall inform the purchaser of the relevant requirements in a conspicuous way at the time of ticket sales, including the level of the unit that issued the certificate, the issuing time and the issuing content.

Article 11 Except that the physical condition of passengers with special needs may affect aviation safety or their own health, the carrier shall not set other restrictions to refuse to transport passengers with special needs.

When the carrier refuses to transport passengers with special needs, it shall explain the basis for the refusal.

If the passenger requests to provide a written certificate of refusal to transport, the carrier shall provide it within 5 working days after the refusal to transport.

Article 12 [Barrier-free Construction] Newly built, rebuilt and expanded airport terminals and related public service facilities shall meet the standards for barrier-free facilities construction; If the existing buildings, places and facilities do not meet the construction standards of barrier-free facilities, necessary transformation shall be carried out.

The equipment of airport barrier-free facilities shall conform to the relevant standards of civil airport barrier-free facilities and equipment.

Article 13 [Parking facilities] Airport parking lots and parking buildings shall be equipped with sufficient barrier-free parking spaces in accordance with the standards for the construction of barrier-free facilities for the use of disabled people and other passengers with mobility difficulties.

Barrier-free parking spaces should be close to the main entrances and exits of the terminal building, parking building and parking lot, and marked signs should be set up.

Airport management agencies should set up priority boarding procedures for passengers with special needs in the taxi waiting area of the terminal.

Article 14 Civil aircraft newly put into operation shall be equipped with barrier-free toilets as far as possible. If the existing civil aircraft has the conditions for transformation, it should be gradually transformed to meet the requirements of barrier-free standards.

Article 15 [Integrated Service Counter] The airport management agency shall set up an integrated service counter that meets the barrier-free standards at the main entrance of the terminal building, with eye-catching signs, to provide information, guidance and other related assistance services for passengers with special needs.

Article 16 [Special Facilities] The airport management agency shall set up special seats and special passages for passengers with special needs such as the elderly, the disabled and pregnant women in the terminal building.

Conditional airports can set up special needs passenger service centers to provide special needs passengers with exclusive services such as guidance and rest.

Article 17 If there are passengers with special needs on the flight, the carrier, airport management agency and ground service agent shall arrange the boarding and disembarkation of covered bridges as far as possible.

Carriers, airport management agencies and ground service agents shall provide priority boarding and off-peak services for passengers with special needs.

Article 18 [Abnormal Flight] When flight delays, cancellations, alternate flights and other abnormal situations occur, carriers, airport management agencies and ground service agents should pay special attention to passengers with special needs.

If it is necessary to reduce the load of some passengers for some reason, the carrier shall give priority to ensuring the transportation of passengers with special needs and their accompanying personnel.

Chapter III Disabled Passengers

Article 19 The carrier shall not limit the number of disabled persons who need no assistance from others in emergency evacuation.

The carrier has the right to limit the number of disabled passengers who need assistance from others in emergency evacuation and have no accompanying personnel during transportation, but it shall meet the relevant requirements of the Civil Aviation Administration.

Article 20 When the boarding gate or flight is temporarily changed, the carrier and its ground service agent shall inform the disabled of flight dynamic information and boarding information in a timely and effective manner through radio, telephone or special person notification according to the actual situation of the hearing disabled, visual disabled and other disabled people.

Article 21 [Service Dogs] Disabled people can bring service dogs into the cabin.

Disabled people carrying service dogs need not apply in advance, but they should show the service dog’s identity certificate and immunity certificate to the staff when going through the flight registration formalities.

Article 22 The carrier shall provide safety instructions in Braille in the cabin.

Article 23 [Applicable Normative Documents] In addition to these Provisions, carriers, airport management agencies and ground service agents shall provide air transport services for the disabled, and shall comply with the relevant requirements of the Civil Aviation Administration on air transport management for the disabled.

Chapter IV Elderly Passengers

Article 24 [Prevention of Refusal to Transport] The carrier shall not take the age of the elderly as the basis for refusing to transport or asking for relevant certificates of suitability for taking the flight.

For the elderly who are inconvenient to move, need to use walking AIDS or are in poor physical condition, refer to the terms of refusal and restriction of transportation for disabled and injured passengers.

Article 25 [Ticketing Service] Carriers, air sales agents, operators of air sales network platforms and airport management agencies should give full consideration to the difficulties of the elderly in using new technologies, keep offline ticketing windows or equip self-service terminals, and support cash payment and voucher printing.

Article 26 Where the elderly have accompanying personnel, the carrier shall arrange seats close to the elderly for the accompanying personnel.

Article 27 When the elderly go through the check-in procedures, the carrier and its ground service agent shall mainly inform the boarding gate, boarding time, prohibited articles and other information.

Article 28 [Unaccompanied elderly] The carrier and the airport management agency shall provide the unaccompanied elderly with flight assistance services according to the appointment and application.

If the elderly have no capacity for civil conduct or limited capacity for conduct, the carrier shall sign a power of attorney with its legal guardian, clarify the information of the sender and the receiver, the specific location of the pick-up, and arrange special staff to take care of the elderly during boarding, transferring and disembarking.

Chapter V Infants and Children Travelers

Article 29 The carrier shall specify the maximum number of infants and children allowed per adult passenger according to the actual situation, so as to meet the relevant requirements of emergency evacuation.

Article 30 The carrier may refuse to transport under any of the following circumstances:

(1) Passengers carrying babies or children are under the age of 18;

(2) Adult tourists are unable to perform the duties of caring for babies or children due to physical or mental reasons; 

(3) The number of babies or children carried exceeds the carrier’s limit;

(four) the baby or child’s physical condition does not meet the requirements of flight.

Article 31 The airport management agency shall set up a maternity room in the terminal building, which shall meet the relevant requirements of national and industrial standards.

Article 32 Babies and children shall meet the following requirements in seat arrangement:

(a) the baby does not occupy a separate seat, and is held by an adult passenger;

(2) If the carrier allows the baby safety seat to be used on the plane, adult passengers need to negotiate with the carrier to confirm the installation position before boarding the plane and install it correctly as required;

(3) The carrier shall not arrange infants and children at emergency exits.

Article 33 Where a passenger consigns a stroller, the carrier and its ground service agent shall take it out of the cargo hold first and deliver it to the passenger cabin door as soon as possible.

Article 34 The carrier shall provide transportation services for unaccompanied children.

The carrier shall sign a power of attorney with the parents or legal guardians of unaccompanied children, and specify the information of the sender and the pick-up person, the specific location of the pick-up, etc.

Article 35 The carrier shall arrange special staff to take care of unaccompanied children during boarding, transferring and disembarking.

Chapter VI Pregnant Women Passengers

Article 36 The carrier has the right to require pregnant passengers who have reached the age of 32 weeks but less than 36 weeks to issue relevant certificates of suitability for flight.

Article 37 In any of the following circumstances, the carrier may refuse the passenger to take the flight:

(a) pregnant for more than 36 weeks (inclusive);

(2) The expected production date is within 4 weeks (inclusive);

(three) the expected date of delivery is approaching, but the exact date cannot be determined, but it is known that there are multiple births or expected delivery complications;

(four) less than 7 days after delivery.

Article 38 [Seating Arrangement] The carrier and its ground service agent shall take the initiative to inquire about the seating needs of pregnant passengers, and try to arrange them in spacious seats that are convenient for the flight attendants to take care of, but not in the emergency exit seats of the aircraft.

Article 39 [Security Inspection Service] The airport management agency shall give priority to the security inspection of pregnant women.

In the case of meeting the security requirements, the airport security department can use manual security inspection to reduce the impact on the health of pregnant women and fetuses.

Article 40 [Emergency Service] If a pregnant woman shows signs of labor during the flight, the carrier shall do a good job in handling the delivery on board according to the relevant procedures of first aid, and assist the passengers to be transported to the ground medical institutions as soon as possible by means of alternate landing and return flight as appropriate.

Chapter VII Injured Passengers

Article 41 The carrier shall, according to the relevant requirements of the Civil Aviation Administration on the prevention and control of passengers’ flight health risks, announce the specific flight risks of passengers suffering from various diseases, and remind passengers to read and truthfully declare their health status.

Article 42 The carrier has the right to require passengers with flight risks to provide relevant certificates of flight suitability.

Article 43 [Slightly injured or sick passengers] The carrier may refer to the relevant requirements for disabled people to fly when transporting passengers who are inconvenient to move due to injury or illness but do not need special care.

Article 44 If an injured passenger needs special care or medical equipment from the carrier, he shall contact the carrier when purchasing tickets and explain the situation and specific needs. 

If the injured passengers need the carrier to provide medical oxygen, they should apply 48 hours before the scheduled departure time of the flight.

The carrier shall reply as soon as possible whether it can provide the services required by the injured passengers.

Article 45 If an injured passenger suddenly feels unwell on the plane, the carrier shall provide necessary medical assistance services, but the carrier is not required to meet the ability and level of professional medical personnel.

Civil aviation medical institutions should build a 24-hour ground-to-air video assistance platform for telemedicine to provide support for carriers to carry out on-board emergency rescue.

Chapter VIII Emergency Rescue Transportation

Article 46 [Guarantee Mechanism] Domestic carriers and airport management agencies shall establish an emergency air transport joint guarantee mechanism covering ticket purchase, check-in procedures, security check-in, boarding and disembarking in case of sudden serious injury, first aid, human organ donation and hematopoietic stem cell transfer.

Article 47 Before deciding to transport passengers with sudden serious injuries or first aid, domestic carriers should fully evaluate the physical condition and transportation conditions of passengers in cooperation with medical institutions to avoid secondary injuries in air transportation.

Article 48 When transferring human donated organs by air, the staff of the human donated organ acquisition organization shall inform the carrier of the transportation information of human donated organs in advance, bring relevant supporting documents, ensure that the human donated organs and their packaging meet the relevant national requirements, consciously accept the safety inspection and assume the main responsibility for the safety of air transportation of human donated organs.

In addition to these provisions, carriers, airport management agencies and ground service agents shall comply with the relevant requirements of the Civil Aviation Administration on the management of air transport of human donated organs.

Article 49 [Application for Transportation of Hematopoietic Stem Cells] The staff who transport human tissues such as hematopoietic stem cells and blood to save patients’ lives shall inform the carrier of the transportation information in advance, and present the letter of introduction and the information form of the transportation personnel at the airport.

If the carrier or ground service agent thinks it is necessary, he can call the China Red Cross China Bone Marrow Bank to transport hematopoietic stem cells by emergency telephone to check the relevant information, and keep a copy of the letter of introduction.

Article 50 [Transport Container] The air transport of organs donated by human bodies shall use a special transport container that meets the requirements, and a special sign for the transport of human organs shall be posted in a prominent position outside the container.

Hematopoietic stem cell transport boxes shall be clearly marked with the marks of China Red Cross Society and China Bone Marrow Bank.

Article 51 [Safety Inspection of Organ Donation Transportation] Special containers for organ donation transportation shall be inspected by civil aviation baggage security inspection equipment, and unpacking inspection is not required if there is no doubt.

The special container for transporting organs donated by human body contains liquid articles necessary for preserving organs donated by human body, which is not restricted by the air transportation conditions of liquid articles, but should meet the transportation safety requirements.

The staff of the organ donation organization and other luggage and articles except the special container for organ donation transportation shall be subject to safety inspection in accordance with normal procedures.

Article 52 [Safety Inspection of Hematopoietic Stem Cell Transportation] Hematopoietic Stem Cell Transportation Box shall be exempted from the inspection of X-ray security inspection instruments and equipment, and security inspectors may open the box for manual inspection.

Hematopoietic stem cell delivery boxes shall not contain articles prohibited or restricted by CAAC; Containing medical ice or ice platoon (cold storage liquid) and other liquid articles, it shall meet the relevant requirements for storage and transportation safety.

Hematopoietic stem cell carriers and other luggage items except hematopoietic stem cell transport boxes shall be subject to safety inspection in accordance with normal procedures.

Article 53 After receiving the application for air transportation of human organs and hematopoietic stem cells, domestic carriers and airport management agencies shall open the air transportation green channel in time to improve the transportation efficiency and ensure the transportation safety.

Chapter IX Safeguard Measures

Article 54 [Filing] The carrier shall put on record the carrier standards of passengers with special needs through the civil aviation service quality supervision platform.

If the carrier standard is changed, it shall be updated and filed on the civil aviation service quality supervision platform within 5 working days from the date of change.

Article 55 [Training] Carriers and airport management agencies shall formulate training programs to ensure that personnel engaged in passenger transport services with special needs are trained and qualified.

The training includes initial training and retraining, both of which are valid for 24 months.

The carrier and airport management agency shall keep training records for more than 3 years.

Article 56 [Training Program] The training programs of carriers and airport management agencies shall include but not be limited to the following contents:

(a) the standard of carriage of passengers with special needs and the basis for judgment;

(2) Service guarantee procedures for passengers with special needs;

(3) Consciousness, psychology and skills of serving passengers with special needs;

(4) Emergency handling in case of sudden accidents.

Article 57 [Drill] Domestic carriers and airport management agencies shall organize a drill at least once a year according to the emergency transportation situation in Chapter VIII of these Provisions.

Article 58 [Statistics and Submission] Carriers and airport management agencies shall, according to the requirements of civil aviation administrative organs, submit the data and information on passenger transport security with special needs through the civil aviation service quality supervision platform every month, and be responsible for the authenticity.

Chapter X Legal Liability

Fifty-ninth [punishment after correction] has one of the following acts, the civil aviation administrative organ shall order it to make corrections within a time limit; Overdue correction, the unit at more than ten thousand yuan to thirty thousand yuan fine:

(1) The carrier violates Article 6 of these Provisions and fails to formulate and publish the standard of carriage as required;

(2) The carrier or airport management agency violates Article 7 of these Provisions and fails to formulate targeted air transport service guarantee procedures as required;

(3) The carrier, air sales agent and air sales network platform operator violate the first paragraph of Article 8 of these Provisions and fail to set up corresponding procedures as required;

(four) aviation information enterprises in violation of the provisions of article ninth, not according to the requirements of labeling or transmitting information;

(5) In violation of Article 10 of these Provisions, the carrier fails to clearly inform the specific requirements for providing relevant certificates suitable for flight;

(six) airport management agencies in violation of the provisions of article twelfth, article thirteenth, article fifteenth, article sixteenth, facilities and equipment do not meet the barrier-free requirements;

(seven) the carrier, airport management agencies, ground service agents in violation of the provisions of Chapter III, failing to provide air transport services for the disabled as required;

(eight) carriers, airport management agencies, ground service agents, air sales agents, air sales network platform operators in violation of the provisions of Chapter IV, failing to provide air transport services for the elderly as required;

(nine) the carrier, airport management agencies, ground service agents in violation of the provisions of Chapter V, failing to provide air transport services for infants and children as required;

(ten) the carrier, airport management agencies, ground service agents in violation of the provisions of Chapter VI, did not provide air transport services for pregnant women as required;

(eleven) the carrier, airport management agencies, ground service agents in violation of the provisions of Chapter VII, not according to the requirements of the injured passengers to provide air transport services;

(twelve) domestic carriers and airport management agencies in violation of the provisions of article forty-sixth, did not establish emergency air transport joint security mechanism;

(thirteen) the carrier and the airport management agency violate Chapter IX of these Provisions and fail to record, train, drill and submit statistical data as required.

Article 60 [Direct Punishment] In case of any of the following acts, the civil aviation administrative organ shall give a warning and impose a fine of 10,000 yuan; If the circumstances are serious, a fine of not less than 20,000 yuan but not more than 30,000 yuan shall be imposed:

(1) The carrier violates Article 10 of these Provisions,

(two) the carrier violates the provisions of the second paragraph and the third paragraph of article eleventh without explaining the basis for refusing to carry or failing to provide written proof as required;

(3) The carrier, airport management agency and ground service agent violate Articles 17 and 18 of these Provisions and fail to provide relevant services as required;

(4) The carrier, airport management agency and ground service agent violate Article 48 of these Provisions, and the implementation of air transport activities of human organ donation does not meet the relevant requirements of the Civil Aviation Administration on air transport management of human organ donation;

(five) the airport management agency violates the provisions of Article 51 and Article 52, and fails to carry out security inspection as required, resulting in damage to donated organs or hematopoietic stem cells;

(six) domestic carriers and airport management agencies in violation of the provisions of article fifty-third, did not open the green channel in time.

Chapter XI Supplementary Provisions

Article 61 [Definitions] The meanings of the following terms in these Provisions are:

(1) Passengers with special needs refer to passengers who need to provide additional services in air transport due to reasons such as age and physical condition.

(2) A disabled person refers to a person who loses or is abnormal in some organization or function in psychology, physiology and human structure, and completely or partially loses the ability to engage in certain activities in a normal way.

(3) The elderly refer to natural persons over the age of 60;

(4) Infants refer to natural persons under two years of age;

(5) Children refer to natural persons who have reached the age of two but are under the age of twelve;

(6) Unaccompanied children refer to children travelers who have reached the age of 5 but have not reached the age of 12 and have not traveled with their parents, legal guardians or members of tourist groups during the air journey.

(7) Organ donated by human body refers to all or part of organs with specific functions, such as heart, lung, liver, kidney or pancreas, which are taken from human organ donors.

Article 62 [Implementation] These Provisions shall come into force on ×××× 2024.

Who can get the "lowest" when the interest rate of bank consumer loans is lowered?

  "Online application, with the loan, the maximum amount is 200,000, and the lowest interest rate is 3.75%." Ms. Zhang, who lives in Dongcheng, said that she recently received several sales calls from self-proclaimed bank staff, saying that the interest rate of consumer loans has been lowered, and it is particularly suitable to apply now. According to a survey conducted by Beijing Youth Daily, six state-owned banks, including Industrial and Commercial Bank of China, Bank of China, China Construction Bank, Bank of Communications, Agricultural Bank of China and China Postal Savings Bank, have been vigorously promoting unsecured and unsecured credit consumption loans recently, with the lower interest rates not exceeding 4% and as low as 3.7%, which can be said to be an unprecedented low. However, major banks have not relaxed the requirements for loan approval. Only high-quality customers on the bank’s white list can get the lowest interest rate, and not everyone can enjoy it.

  Consumer loan interest rates of six major state-owned banks

  The lower limit does not exceed 4%

  It is understood that at present, the preferential interest rate of personal credit consumption loan (ICBC e-loan) of ICBC Beijing Branch can be as low as 3.75% and the longest term is 3 years. In fact, last November, the lowest interest rate of Ronge Loan was still 4.65%, and by December 29th, the lowest interest rate will be reduced to 3.85%, that is, one-year LPR+5 basis points. Since the end of January this year, the minimum interest rate of Ronge Loan of ICBC North Branch has been further adjusted to 3.75%, down 0.1 percentage point from last December. This is mainly because the LPR on January 20th was lowered by 0.1 percentage point compared with last December.

  Bank of China Beijing Branch has also recently launched a summer preferential activity for personal consumption loans. The online application for BOC E loan can be up to 200,000 yuan, with a validity period of one year, a loan period of 1-12 months and an annualized loan interest rate of 3.9%. The conditions for offline application of "Suixin Smart Loan" are more favorable, with the maximum amount of 300,000 yuan, the validity of the amount extended to 3 years, the loan period of 1-12 months, and the lowest interest rate of 3.75%. Customers who spend money during the activity will also have the opportunity to get the WeChat reduction from 50 yuan -500 yuan.

  CCB’s fast loan slogan is "second application, second review and second account arrival", and the annualized interest rate is as low as 3.95%, with daily interest, no interest for spending, and the longest repayment period is 36 months. The reporter of Beiqing Daily noticed that in late June, the minimum interest rate of fast loans displayed by CCB North Branch was still 4%, and it dropped to 3.95% on July 10.

  Recently, Bank of Communications launched a preferential loan for Huimin in the whole country. New customers can get a discount coupon of 30% or 10% interest rate if they successfully apply for the quota, and high-quality customers can enjoy a preferential interest rate of 3.85% per annum at the minimum.

  According to the mobile banking of Agricultural Bank of China, the annualized interest rate of NetJet loan is at least 3.7%, which is "flexible, free of guarantee, free of charge and low in cost".

  Postal savings bank’s "postal loan" is approved online, and the amount of application can not exceed 200,000 yuan, the annualized interest rate is at least 3.85%, and the term of a single loan does not exceed 60 months.

  It is understood that the online approval amount of credit consumption loans of these state-owned banks generally does not exceed 200,000 yuan. If there is higher demand, you need to apply at offline outlets. In addition to the differences in interest rates, the loan terms of major banks are also different, some of which are less than one year, and some can be as long as five years. In terms of repayment methods, the choices provided by banks are also different. For example, Bank of China’s single use of BOC E loan can adopt the repayment method of equal principal and interest, one-time repayment of principal and interest at maturity, and monthly repayment of principal and interest at maturity; ICBC can choose average capital, equal principal and interest, and repay the principal at one time on schedule.

  The downward adjustment of consumer loan interest rate is a trend.

  The interest rate of state-owned banks has always been the best in the market.

  In fact, this kind of personal credit loans with no guarantee, no mortgage and online approval are not only available in state-owned banks, but also in other banks, consumer finance companies and small loan companies. The reporter of Beiqing Daily found that since the beginning of this year, the interest rate of Internet loans has declined as a whole, but among all these loans, the interest rate of state-owned banks is undoubtedly the lowest.

  At present, many stock banks and city commercial banks have a minimum annualized interest rate of 4.35%, and some Internet banks have a minimum interest rate of 9%. Among the gold-dissolving companies, the annualized interest rate of hospitality loan of BOC Gold-dissolving is the lowest 9.125%, that of Zhaolian Finance is the lowest 7.3%, and that of "Comfortable Flower" and "Extreme Loan" of China Post Gold-dissolving are the lowest 7.2%. In small loan companies, the minimum annualized interest rate for small loans is 7.2%.

  "Big banks have low capital costs, higher loan conditions and relatively high-quality customers, so their consumer loan interest rates will be lower. Not only consumer loans, but also other types of loans. " Dong Ximiao, chief researcher of Zhaolian Finance, said. Since the beginning of this year, the interest rate of consumer loans has declined, on the one hand, because the overall interest rate is in the downward channel, and other loan interest rates are also declining, so the downward trend of consumer loan interest rates is the trend. On the other hand, affected by the epidemic and the economic downturn, some customer groups targeted by consumer loans are not particularly stable in jobs and their incomes are also declining. Banks can better support these customers by lowering the interest rate of consumer loans. In addition, lowering the loan interest rate can also stimulate effective demand, and "small profits but quick turnover" can be achieved by lowering the interest rate.

  Pan Helin, co-director of Digital Economy and Financial Innovation Research Center of International Joint Business School of Zhejiang University, pointed out from the perspective of bank credit structure adjustment that at present, mortgage accounts for a high proportion of bank personal loans, and many banks want their own credit structure to be more diversified, while the amount of consumer loans is smaller, the interest rate is higher than that of mortgage, and the recovery period is shorter, which belongs to the credit field that banks want to explore, so the major banks are clustered in the consumer loan market, but because consumption cannot be expanded in a short period, consumer loans have increased and the competition pressure has emerged.

  The bank did not relax the approval criteria.

  The lowest interest rate is only for a few high-quality customers.

  The reporter of Beiqing Daily also noticed that in order to prevent consumers from misunderstanding, the consumer loan advertisements of various banks will add a hint at the end: "The product interest rate is subject to the actual interest rate. If in doubt, please consult the local outlets in detail." "The specific interest rate is subject to the actual display on the page." In fact, only a few customers can finally enjoy the tempting lowest interest rate.

  "I told me before that the lowest interest rate would not be higher than 4%. I just wanted to decorate and applied for 200,000. As a result, the interest rate finally approved exceeded 5%. " Mr. Zhang, a citizen, told the reporter of Beiqing Daily about the result of applying for credit consumption loan in the mobile banking of a big state-owned bank recently. It is understood that Mr. Zhang’s situation is not a case. The employees who can enjoy the lowest interest rate of credit loans are all white-listed customers of major banks. They usually work in institutions, government departments, large state-owned enterprises or other high-quality units. In addition, the bank’s mortgage customers and payroll customers will also have advantages when applying for consumer loans.

  "Our bank’s minimum interest rate for offline approval of consumer loans can reach 3.75%, but it needs the approval of branches, and the access requirements are very high. If our sub-branch approves by itself, the minimum rate can reach 4.1%. Generally speaking, it does not work as a retail investor, but is connected with the unit. Our favorite institutions are schools and hospitals. " Mr. Wang, the loan manager of a branch of a state-owned bank in Dongcheng, told the reporter of Beiqing Daily that the bank likes to cooperate with institutions and give credit to their employees collectively. As for consumer loans approved online, the bank advertised that the lowest interest rate could reach 3.9%, but Mr. Wang revealed that online applications are automatically approved by the system. According to his knowledge, only the bank’s mortgage customers, payroll customers or high-quality customers who manage more than 900,000 yuan in the bank can get it. "Ordinary customers will not be so low."

  For ordinary consumers, not only can they not get the lowest interest rate, but they may not even be eligible to apply. The reporter of Beiqing Daily chose a mobile phone bank of a state-owned big bank, which usually has no transactions, to try to apply for the bank’s consumer loan. The page did show "It’s a pity that you failed to obtain the application quota of our bank".

  How can I have a quota? The bank pointed out three ways: first, to become the bank’s housing loan customers; The second is to provide real estate mortgage or other effective guarantee, and contact a personal loan center to handle other loans; The third is to handle more deposits and wealth management business in the bank.

  Liang Si, a researcher at China Bank Research Institute, pointed out that the decline in the interest rate of consumer loans does not mean that the "threshold" has changed. Relatively speaking, low-interest consumer loans are aimed at more high-quality customers. Because the bank has a professional audit process for customer assets. The lender’s own qualifications and credit rating will affect the interest rate level of obtaining loans. Banks will also do a good job in risk prevention while expanding their business to ensure the quality and safety of assets and the sustainable development of their business.

  "For banks, the interest rate is of course set higher. After all, the spread is the source of profits for banks. Unless the user has a certain amount of credit and the repayment risk is extremely low, the bank will give the lowest interest rate. " Pan Helin believes that the bank’s practice is also to encourage borrowers to contribute more profits to the bank and improve user loyalty, so it is normal market behavior to have a white list.

  Expert reminder

  There is a practical need to apply for consumer loans.

  We must find a formal financial institution.

  Whether it is a white list customer or not, it is an indisputable fact that the interest rate of consumer loans has dropped. In the face of lower and lower loan interest rates, should ordinary consumers give it a try? In this regard, many experts reminded that we must apply as needed and do what we can, and at the same time we must go to formal financial institutions.

  Dong Ximiao reminded consumers that the most important thing is to ask yourself if you need it. "You don’t need to look at the loan interest rate. You have to have your own needs before you apply for a loan." Secondly, consumers should choose formal financial institutions, such as commercial banks and 30 licensed consumer finance companies in China. Third, it is necessary to clearly understand the various terms of the loan agreement, especially the provisions on interest fees, such as whether the interest rate is annualized, monthly or daily, and there are no other fees.

  "Don’t borrow money unless necessary. There is no such thing as a free lunch." Pan Helin also suggested that consumers really need to borrow consumer loans, go to formal banks to borrow money, and reduce the risk of borrowing. It is best to shop around and don’t be afraid of trouble. Finally, be sure to read the terms clearly to prevent stepping on the pit. Text/reporter Cheng Wei

Three schools in Yunyan District have left school at different peaks, and the intersection from the communication office to the north of the city is unobstructed.

On November 14th, the reporter saw in Zhonghua North Road, Guiyang that the traffic efficiency from the communication office of Zhonghua North Road to the intersection of Shibei Road was much smoother than before.
"In the past, the three schools were basically out of school at the same time, and a large number of vehicles picking up students were crowded together, and the traffic was a mess. Now, the school hours of several schools are staggered, the crowds and vehicles that pick up students are scattered, and the roads are much smoother. " Master Wang, a parent who is sending her children to school at the entrance of Guiyang No.6 Middle School, said.
Guiyang No.6 Middle School, Guiyang Experimental Primary School and Guiyang Experimental Kindergarten are located on one side of the road at the intersection of Zhonghua North Road and Shibei Road, and the three schools are lined up. The northernmost section of Zhonghua North Road is a two-way road from north to south, with a distance of only 260 meters and four lanes in both directions. There are more than 5000 students in three schools.
According to the statistics of three schools, parents pick up about 3,000 vehicles for students. There are many government agencies, enterprises and institutions along the line, and there are many vehicles for office workers and staff going to various units. In the morning and evening rush hours, this section of the road is more congested.
Because most of the vehicles that pick up and drop off students and the unit vehicles along the route need to be diverted from the intersection of Zhonghua North Road and Beijing Road, Beijing Road turns right to enter the traffic flow of Zhonghua North Road, Beijing Road turns left to two, and Zhonghua Road joins the traffic flow of three straight lanes into the northernmost section of Zhonghua North Road, which is a typical "funnel" intersection and bears great traffic pressure. On this short and narrow road, once a vehicle stops to get on and off passengers and turns around to return, it will increase the difficulty for the rear traffic.
In the past, many parents temporarily stopped to get on and off the bus, which may directly cause traffic difficulties at the intersection of communication places, and may seriously affect the traffic at the intersection of Yanwu Street.
In order to strengthen traffic management and improve traffic capacity, Yunyan traffic police adopted a series of management measures after the school started in September this year.
Strengthen the diversion force along the route, and arrange seven police officers at the surrounding intersections and road sections to prevent parking in the road and turning around at the intersection from affecting the normal traffic of vehicles. Optimize the traffic light timing at the adjacent intersection of Shibei Street and Communication, add physical isolation cones and no-turn signs in the center of the road, and eliminate the traffic obstruction caused by turning around in some vehicles. Extend the temporary parking zone for parents to pick up and drop off students to solve the rigid parking demand for picking up and dropping off students’ vehicles.
Since the implementation of the "traffic control" work in Guiyang, Yunyan traffic police have gone deep into the school and convened three schools involved to have a discussion to discuss opinions and suggestions on "traffic control". The comprehensive management measures of "school-police co-governance" were carried out, and it was finally decided that the three schools would adopt the mode of "school-school peak-shifting and class-shifting" to finely manage the pick-up and drop-off of students’ vehicles to prevent a sharp increase in traffic flow in a short time.
The peak school hours are: Guiyang No.6 Middle School is pushed back to 17: 40 after school at 17: 20; At 17: 30 in the experimental primary school, the grade classes in the school leave school at a peak.
During the school hours, the school will send additional personnel on duty to inform parents of parking on the road, widely publicize the news that the traffic police have extended the temporary parking zone, disperse the temporary parking spots, and let students supervise their parents by means of "small hands and big hands".
Through the "joint management of the school and police" and the cooperation of parents, the traffic at the northernmost section of Zhonghua North Road has improved. Compared with the same period last year, the morning rush hour started nearly 10 minutes later than before and receded nearly 10 minutes earlier.
According to the observation in recent days, the farthest impact of rush hour does not exceed the intersection of communication, and the impact on Yanwu Street traffic is almost zero.
Yunyan traffic police said that it will continue to strengthen the work of "blocking and ensuring smoothness", and ask drivers to cooperate closely and obey the traffic police’s command to jointly create a good travel environment.
Editor: Hu Jiahuan
Coordinator: Xu Qian
Editor: Gan Jiangyan
Reporting/feedback

The newly bought Gree air conditioner made a strange noise, and the consumer’s request to change the machine was rejected.

■ Press:The abnormal sound of the air conditioner continues, and the status of Gree as the "air conditioner brother" behind the quality problems is not guaranteed.

The air conditioner that I just bought for 2 months has abnormal noise during use. After applying for after-sales service for many days, the maintenance has not been completed and the replacement has not been settled. This is an annoyance that Mr. Chen of Yangjiang, Guangdong Province has encountered.

After the failure of the air conditioner, the after-sales maintenance personnel visited the house many times, but the failure was not eliminated. After the maintenance personnel issued the exchange identification form, Mr. Chen proposed to change the machine based on this, which was also rejected by the merchants. Why does the newly purchased air conditioner have abnormal sound problems? Can Mr. Chen’s appeal be realized?

Product failure: the new air conditioner keeps making abnormal noise.

"This air conditioner has only been bought for 2 months. How can such a problem occur?" Mr. Chen told the Consumer Report.

On March 5th this year, Mr. Chen spent 2999 yuan to buy a Gree Yuntian KFR-35GW 1.5-horse hang-up air conditioner in the official flagship store of Tmall Gree.

▲ Screenshot of Mr. Chen’s order to buy air conditioners.

In May, the weather turned hot, and Mr. Chen began to use this air conditioner, only to find that it was faulty.

"Probably on May 14th (2021), I found that when this air conditioner was running, there was an abnormal noise in the room, like the noise made by some machines in the factory when they were running." Mr. Chen provided several videos about the operation of this air conditioner to Consumer Report, and you can really hear the sound of "da da da" from the inside of the air conditioner.

Mr. Chen said that this air conditioner was purchased in a regular channel and only started to be used after the weather turned hot. He had doubts about the abnormal sound of the air conditioner: "The newly bought air conditioner has abnormal noise. I think this air conditioner itself has quality problems."

After-sales problem: maintenance failed, and replacement failed.

After discovering the fault, Mr. Chen immediately contacted Gree after-sales staff to inspect the air conditioner, but the problem was not solved.

Our local Gree after-sales service point sent a maintenance master to check the air conditioner three times, and took the shell apart to check it, but it still didn’t solve the problem.Mr. Chen said that the maintenance master told him that the air conditioner needed maintenance, but there were no related spare parts for the time being.

▲ The maintenance master comes to check the air conditioner.

To this end, Mr. Chen also reflected the problem to the official flagship store of Tmall Gree. According to the chat record provided by Mr. Chen, the customer service staff of the official flagship store of Tmall Gree said that the maintenance master would come to the door to issue a quality inspection form, and if it could not be repaired, a replacement could be arranged.

On May 18th, Gree’s local after-sales service point issued a home air conditioner return and exchange certificate for Mr. Chen, which pointed out that there was a performance failure in Mr. Chen’s air conditioner, which was "the air conditioner rattled from time to time during use".

▲ Gree’s local after-sales service point is the return and exchange appraisal certificate issued by Mr. Chen.

However, when Mr. Chen hoped that Tmall Gree’s official flagship store would provide replacement measures with the exchange certificate, the other party said that "it needs to be repaired twice before it can be replaced". For such a result, Mr. Chen does not agree: "Before, I said that I could change the documents, but now I say that I can’t change the new machine. If I can repair it, I should fix it as soon as possible, instead of letting me use an abnormal air conditioner after more than ten days."

▲ Mr. Chen’s request for replacement was rejected.

On May 28th, Mr. Chen told Consumer Report that Gree Service Station had completed the maintenance of the air conditioner, but after the maintenance, Jamlom’s abnormal sound could still be heard, and his demand for changing the machine was still unsatisfied.

To this end, Consumer Report sent an interview letter to Gree Electric regarding whether there are quality problems in Mr. Chen’s air conditioner and what measures Gree has taken to solve them, but no reply was received as of press time.

Guo Xiaoming, a well-known legal blogger "@ Tandian View" and a lawyer of Sichuan Juheng Law Firm, believes that according to the Provisions on the Responsibility for Repairing, Replacing and Returning Some Commodities, within the validity period of the three-package household air conditioner, the products that still can’t be used normally after being repaired twice will be returned by the seller on the basis of the repair records and certificates provided by the repairer. Therefore, in the case that Gree’s official after-sales service point issues an appraisal document for returning goods, the merchant should return goods.

If negotiation with the merchants fails, consumers can complain to the Consumers Association, the product quality supervision and management department or the industrial and commercial administration department, or directly bring a lawsuit to the people’s court.. "Guo Xiaoming suggested.

In the comment area of Tmall Gree’s official flagship store, Yuntian KFR-35GW, 1.5 hanging air conditioners, Consumer Report found that some consumers commented on the problems of water and water leakage in their air conditioners several days after purchase, but these comments did not get the response from the merchants.

▲ Some consumers have commented that there is a water leakage problem in Gree Yuntian KFR-35GW large 1.5-horse hang-up air conditioner (Source: Tmall)

Has the domestic "air conditioner brother" changed hands?

For a long time, Gree has been known as the "ceiling of the air-conditioning industry". With advanced technology and R&D and innovation capabilities, Gree air-conditioning is ahead of its peers in many aspects, and its sales volume ranks first in the industry all the year round, ranking the first in the air-conditioning industry.

However, this pattern seems to have undergone subtle changes.

According to the financial report data released by Gree, in 2020, the revenue of Gree air-conditioning was 117.882 billion yuan, down nearly 15% compared with the same period, while the revenue of main competitor Midea last year was 121.215 billion yuan.

In terms of sales volume, Gree air conditioners sold 29.63 million units in the domestic market last year, which still maintains an advantage in China, but only sold 10.68 million units in overseas markets. In contrast, last year Midea sold 25.63 million units in the domestic market and 22.41 million units in overseas markets. Starting from the overall sales volume, Gree air conditioners sold about 8 million units less than those in the United States last year, and the domestic "air conditioner brother" seems to have changed hands.

Image source: the idea of the worm

However, Gree seems to be calm about this. At the recent performance briefing of Gree Electric, Chairman and President Dong Mingzhu said that the company’s products have developed from a single category to multiple categories, and now they have covered two major areas: consumer goods and industrial products. Among them, the main business of air-conditioning has expanded from household air-conditioning to commercial air-conditioning and air-conditioning under special working conditions, and will also expand to the fields of refrigeration and cold transportation, military national defense, medical health and so on.

In fact, due to the long service life of air conditioners and the improvement of people’s consumption power, almost every household is equipped with air conditioners. At present, the air conditioning market has gradually become saturated. Therefore, it is not easy for air-conditioning products to achieve continuous innovation. If Gree Air Conditioning wants to regain the throne of "the first brother of air conditioning", it should not only continuously improve its product competitiveness and service level, but also constantly pay attention to the voice and rights of consumers and truly win the reputation and trust of consumers.