On December 12th, the "Horizon Cup" evaluation results of the 6th World Top Ten Smart Cars were released and the World Smart Car Brand Forum was held in Future Science City, Changping District, Beijing. With the theme of "the first year of NOA in the city and the new trend of AI accelerating the competition of smart car brands", this forum focuses on the smart hot spots in 2024, provides consumers with purchasing guides, discusses the development pain points of the smart car industry, and seeks common industrial development.

After six years’ development, the evaluation activities of the world’s top ten smart cars sponsored by the Automobile Evaluation Research Institute have continued to jump in the professional intensive research, and the lineup and depth of participating enterprises have been continuously expanded. The evaluation results have set a benchmark for the intelligent development of the industry, guided the automobile enterprises to clarify the direction and focus of intelligent development, and promoted the automobile industry to move forward to a higher level of intelligence.

This year’s evaluation activity attracted big coffee from politics, industry, learning, research and media to witness this industry event. The guests at the meeting included Liu Xiaodong, member of the Standing Committee of Changping District Committee and executive deputy district head, Zhang Wenhong, vice president of China Machinery Industry Federation and former deputy secretary general of the State Council State-owned Assets Supervision and Administration Commission, and Li Qingwen, president of Automobile Evaluation and Research Institute, etc. Their arrival added weight to the event.

This evaluation activity resonates with the times at the same frequency. The jury conducted professional evaluation through more than 20 evaluation indicators based on the key project of the National Nature Foundation’s Automobile Industry Joint Fund-"Subjective and objective evaluation methods and criteria for smart car performance under complex traffic scenarios" developed by the Digital Automobile Team of Jilin University. Focus on increasing the evaluation of product control ability and network connection ability under NOA function to adapt to the latest development of smart car technology.

After a strict selection process, ten models of brand-new Blue Mountain, Extreme Fox Alpha S and PHEV of Wei brand won the title of "Horizon Cup" in the 6th World Top Ten Smart Cars. These models are not only leading in intelligent technology, but also highly recognized in user experience. On the occasion of the successful conclusion of the 6th World Top Ten Smart Cars Evaluation Campaign of Horizon Cup, the 7th World Top Ten Smart Cars Evaluation Campaign of Horizon Cup was officially launched.

The success of "Horizon Cup" in the evaluation of the 6th World Top Ten Smart Cars not only set a new benchmark for the smart car industry, but also provided an authoritative reference for consumers to choose smart cars. With the continuous progress of smart car technology, it is believed that smart cars in the future will be safer, more convenient and more comfortable, which will bring more possibilities for people’s travel life.

[Text/Caiquan Society & Daoge said that the car is shallow] When the price of domestic cars became more and more "outrageous", smart began to stretch. I still remember that the impression of smart at the beginning of the year was 200,000 exquisite cars. On April 14th, the rejuvenated smart Elves #1 and #3 actually jumped directly from 154,900 yuan and 164,900 yuan, which was really surprising. Among them, the guide price range of smart Genie #1 is 154,900-199,900 yuan, and the price is lowered by 25,000-26,000 yuan compared with the old model; The guide price range of smart Wizard #3 is 164,900-219,900 yuan, and the price is lowered by 36,000-55,000 yuan compared with the old model. The adjustment of price strategy reflects smart’s essential understanding of the current competition in the electric vehicle market in China.

While the product price is more close to the people, smart Elves #1 and #3 have repositioned the two products for the domestic market. According to the market environment and user research, some configurations are optimized in the new version, so as to better meet the actual consumption needs of users. At the same time, smart provides a variety of optional packages for close friends to match freely to meet the individual needs of users.

In order to help close friends have the Elf car as soon as possible, smart also launched multiple exclusive rights of close friends in a limited time, including limited-time optional preferential rights, flexible purchase and gift rights, free rights of special colors, replacement rights, repurchase rights, and delivery of bonus points. At the same time, there are various financial schemes such as "0 down payment" and "limited time and low interest" with the lowest annualized rate of 1.99%. The minimum daily supply is only a cup of milk tea, so that close friends can easily own a new luxury car. In addition, close friends can also enjoy four basic rights and interests, including super-long vehicle warranty, super-long three-power core parts warranty, worry-free one-button road rescue, unlimited traffic of vehicles and machines, which is thoughtful and sincere.

New luxury smart SUV, #1 riding the dust!

As the first global pure electric vehicle of smart brand, smart Elf #1 has been highly praised by the industry media and users for its new luxury aesthetics and excellent handling in different road conditions since its launch. Recently, this car has been delivered in batches in Hong Kong. The volume of orders in the past two months even exceeded the total sales of Porsche in Hong Kong in 2023. Among them, the performance version of BRABUS accounts for more than 90% of the orders, making it a veritable dark horse of the same class in the local sales. This achievement is undoubtedly remarkable for Hong Kong, a highly competitive market with picky consumers’ tastes.

Nowadays, this boutique car that has been riding in many consumer markets has ushered in a new look. In terms of face value, we continue to adopt the design philosophy of "Sensibility and Lingrui" tailored by Mercedes-Benz global design team: light and shadow penetrating front and rear LED headlights, frameless doors and hidden door handles, and "inspiration ring" suspended contrasting roof, which fully demonstrates the new luxury and fashion taste.

In the interior, it inherits the design concept of "compact outside and wide inside", with 20 flexible storage spaces and a minimalist T-shaped intelligent cockpit, creating a high-quality inspiration space for exclusive close friends.

Intelligently, it is equipped with the smart Pilot Assist intelligent driving system and the smart OS full-scene digital eco-car system, so that each elf has a lively and lovely elf assistant Avatar, and users can enjoy the intelligent and comfortable driving experience at any time.

New luxury sports coupe, open the door and see #3!

As the second global masterpiece of smart Elf series, smart Elf #3 has been released and delivered in many markets such as China and Europe, and has become the love of global hipster fans.

Externally, following the design philosophy of "sensibility and agility", smart Genie #3 won the blessing of the global design team of Mercedes-Benz: the avant-garde and dynamic slip-back shape, combined with the organic combination of muscular feeling and life lines, "stealing the mirror".

In terms of interior, the sports car-class low sitting posture, T-shaped smart cockpit with integrated embracing coupe seat and 1.6m2 immersive canopy further enhance the new luxury sports atmosphere owned by Smart Elf #3, which is "true atmosphere".

In addition, smart Genie #3 has the leading dynamic driving performance at the same level, and the dynamic four-wheel drive version is equipped with a dual-motor intelligent four-wheel drive system, which only takes 4.3s to accelerate 100 kilometers. The whole system adopts the former McPherson rear five-link independent suspension, and the sports chassis jointly adjusted by the smart team and the Mercedes-Benz expert team is "driving and controlling the true type".

It is worth mentioning that, at the launch conference of smart Genie #1 and #3, Tong Xiangbei, CEO of smart Brand Global Company, also implicitly poked a certain meter with high popularity recently. He sat in the car for example: this textured rubber made three bulges and hold the cup by the elasticity of the bulges. In this way, it lost eight moving parts compared with us. How much did it cost? Of course, this kind of texture looks like a brand from a distance, but in fact, if you look at this detail carefully, there is no way to see it everywhere.

The implication is that the control of smart cars in details is quite exquisite, which is not the same as that of some brands.

It can be seen that in order to occupy a place in this year’s more involved competition in China electric vehicle market, smart has not only prepared for the price, but also prepared for the product quality control. Smart Elves #1 and #3, which are already famous, will undoubtedly become a strong support for brand sales after price reduction and upgrading.

At the beginning of the year of "global transition", smart will continue to adhere to the core operation concept of "user center", bring new luxury travel and luxury quality to more close friends with a new look, and constantly "explore the best solution for future urban transportation".

　　Mp3 is still here today, not the player of that year. The author’s impression of mp3 players began in high school. At that time, I was still using a heavy tape walkman, but "wearing headphones and hanging an mp3 player around my neck" has quietly become a campus fashion. At that time, the mp3 player was relatively large, connected with wired headphones, and looked from a distance, as if a stethoscope was hung around his neck.

　　At that time, I was lucky enough to experience my roommate’s mp3 player. It was very convenient to listen to songs, but it was inconvenient to find songs. The playing modes were only sequential playing, random playing and single loop. As an expert in using the rewind button of the walkman, I can judge the position and rewind time of a song according to the diameter of the tape reel, so the mp3 player is really "hehe" in my eyes.

　　Unfortunately, the good times didn’t last long. As soon as I graduated from high school, digital products such as walkman and tape were swept into the history museum along with the "rewind skills" that the author was proud of. But they were not killed by mp3 players, but by more advanced mobile phones. When I was in college, I used a mobile phone called "Nokia". Now children may not have heard of this brand. Back in those days, Nokia dominated the mobile phone industry with its Symbian intelligent system. It could not only listen to mp3 music, but also watch movies on a 2: 00-inch screen. Of course, more importantly, it saved money on mp3 and mp4 players.

　　However, the author’s college roommate Z still keeps the habit of using mp3 player. His mp3 player is a famous brand product in Japan, which costs thousands of dollars. It is said that the sound quality is excellent when used with a pair of German brand headphones costing more than 300 yuan. I’ve listened to it, too, and it’s really good, but if it’s too good to be wanted, it’s not too bad.

　　This Z student not only has an mp3 player, but also an mp4 player with a bigger screen than his face, which is the originator of the current big-screen mobile phone. At that time, I thought that it was just around the corner for mobile phones to replace mp3 and mp4 players, and the practice of Z students could only be simply evaluated as rich and powerful.

　　However, classmate Z gave me an unexpected answer. He said: "the computer is very powerful, right? But every time I turn on the computer, I always change my original intention unconsciously. For example, I originally wanted to watch a movie, but I played a game." I wanted to listen to music, but I got online. So I think that computers are used to play games online, mp4 players are used to watch movies, and mp3 players are used to listen to music. "

　　Some people may say that this is your classmate Z’s poor self-control. But just imagine, if you were given a computer with Internet access and full of movies, music and games to learn English, how long would you last without external supervision?

　　Once upon a time, the author was superstitious about self-control, but if we contact the supervision mechanism, we will find that in a relaxed environment, facing a world full of temptations, people basically have no self-control, and the probability of getting lost or even sinking is extremely high.

　　"The keyboard starts and ends, and you know exactly that 88 keys are there. You can’t go wrong … I like it, and I can easily cope with it … in that infinite spreading city, everything is there, but there is no end, no end at all. What I can’t see is the end of all this, the end of the world. " At the end of the movie legend of 1900, the hero 1900 uttered such a sigh.

　　I don’t know how many netizens have had similar ideas to 1900 when facing computers and mobile phones. Or perhaps, many netizens have lost themselves in the abyss of network information and forgotten the original intention of using computers and mobile phones before they have time to express their feelings.

　　Many years later, when I bought a certain brand of electronic paper book reader, I remembered the classmate who listened to music with mp3 player in college. Someone asked me: Why spend more than 800 yuan to buy a digital product that is slow to respond and can only read books?

　　To this, I can only answer: because my self-control is too poor.

　　As the saying goes, "a thousand dollars can’t buy old people to lose weight." Nowadays, many old people have joined the army to lose weight, and it seems that they will be healthy if they lose weight. Recently, a study published in the American Obesity magazine shows that the elderly’s deliberate weight loss may affect their bone health.

　　Body mass index BMI= the square of weight/height, which is an accepted standard to measure obesity. In this study, 77 students with an average BMI of 33.6 (usually 18.5≤ BMI index ≤ 23.9 old people with normal weight, more than 29.9 are severely obese) were given weight-loss intervention for 18 months, and the overall weight of the old people and the bone mineral density of the areas (total hip, femoral neck, lumbar vertebrae and trabecular bone) were monitored and scored at 18 months and 30 months. The results show that the decline of hip bone mineral density will last for one year after weight-loss intervention for elderly obese patients, whether they rebound or not. The study also found that fat loss and weight loss reduced the bone mineral density of hip and increased the risk of osteoporosis.

　　Gou Bo, a professor in the Department of Health Sciences of Xi ‘an Institute of Physical Education, said that if the elderly lose weight improperly, such as excessive diet control, resulting in insufficient nutrition intake, or lose weight too much and too fast, resulting in significant weight loss, it will lead to a decline in bone density. Older people do not have to lose weight if they are only slightly obese and have no obvious cardiovascular disease. If there are some contraindications to exercise, and it is not suitable for exercise to lose weight, you can seek nutrition, medical care and other methods to control your weight under the guidance of a doctor. If obesity is accompanied by other chronic diseases, lose some weight appropriately. In principle, adopt safe and effective methods to achieve the goal at a slower speed such as diet control and exercise.

　　Many old people find that even if they eat and exercise as much as when they were young, it is easy to "gain weight". The reason is that the basal metabolic rate and muscle mass of adults decrease year by year with age. Therefore, even if the elderly eat less, their digestion and absorption ability are poor, and the balance of energy in and out is still "less in and out", in which case it will be "fat".

　　Gou Bo emphasized that obesity will directly affect heart function and vascular health, and it is easy to suffer from various cardiovascular and cerebrovascular diseases. The ideal situation is to "gain muscle and lose fat" on the premise of ensuring basic nutrition.

　　Old people can’t take extreme measures to lose weight, let alone go on a diet like young people. We can start with the moderation and choice of dinner, eat some coarse grains instead of staple food, eat food with high protein content for breakfast, and control the staple food at about 2 Liang at noon. It is not recommended to choose diet pills or surgery to lose weight.

　　In sports, it is suggested that aerobic exercise should be combined with strength training, and it is best to take some soothing forms, such as Tai Ji Chuan, yoga, walking, etc. As long as you can persist every day and achieve a certain amount of exercise, you can lose weight completely.

　　Interviewed expert: Professor Gou Bo, Department of Health Sciences, Xi ‘an Institute of Physical Education

In the first half of this year, China’s cross-border e-commerce import and export was 1.22 trillion yuan, up 10.5% year-on-year, which was 4.4 percentage points higher than the overall growth rate of China’s foreign trade in the same period. Last year, China’s cross-border e-commerce import and export increased by 1.2 times compared with 2018.

Cross-border e-commerce is becoming the new engine of foreign trade growth in various places. Guangdong, Shandong, Zhejiang and other major foreign trade provinces and Tibet and other open areas along the border are exploring new modes of innovation and development in light of their own reality. Among them, overseas warehouses, as a new foreign trade infrastructure, play an increasingly important role in cross-border trade.

Recently, a batch of fitness equipment produced by Guangdong Zhongshan Yingliang Health Technology Co., Ltd. was transported to overseas warehouses of cross-border e-commerce in the United States by international freighters. "Under the guidance of Zhongshan Customs, we began to transform and go to sea through cross-border e-commerce." Wen Yanni, the business manager of the company, said, "All our orders in the US market are shipped from overseas warehouses, which is more efficient than the domestic direct delivery model."

As a leading cross-border e-commerce enterprise in Dongguan, Guangdong Province, Shangrui Technology Co., Ltd. has driven nearly 100 traditional manufacturing enterprises to expand overseas online markets. Cheng Tianle, chairman of the company, said: "More than 90% of our orders are shipped from overseas warehouses."

Up to now, Guangdong Province has built all kinds of overseas warehouses in the world with a total area of nearly 6 million square meters. In the first half of this year, the import and export of cross-border e-commerce in Guangdong Province reached 427.34 billion yuan. From 11.3 billion yuan in 2015 to 843.3 billion yuan in 2023, the average annual growth rate of cross-border e-commerce import and export in Guangdong Province is as high as 71.4%, accounting for more than one-third of the national cross-border e-commerce import and export.

Guanxian, Liaocheng City, Shandong Province also actively guides enterprises to develop overseas warehouse layout with the help of the business policy of stabilizing foreign trade and benefiting enterprises. "We encourage enterprises to set up a guanxian brand commodity exhibition center in public overseas warehouses by means of’ exhibition before warehouse’ to support the venue rent; Encourage enterprises to build agricultural products group buying platforms or independent stations to support construction and operating expenses. " Guo Huawei, Party Secretary of guanxian Commerce and Investment Promotion Bureau, said.

A few years ago, the overseas warehouse project of guanxian Baijia Food Co., Ltd. was recognized as a key public overseas warehouse by the Shandong Provincial Department of Commerce, and successfully applied for support funds. "In the first half of this year, our overseas warehouse turnover was US$ 30.1 million, serving 42 domestic enterprises." Song Xiangzhen, manager of the international trade department of Baijia Food Co., Ltd. said.

Linyi City, Shandong Province has continuously expanded its overseas network layout, implemented the "Overseas Warehouse Plan", and encouraged enterprises to build overseas shopping malls and warehouses in countries and regions, RCEP member countries and emerging market countries in the "Belt and Road". At present, there are 31 overseas shopping malls and warehouses in Linyi City.

In the Lanhua Overseas Shopping Mall in Linyi, China, Longren City, Gyeonggi Province, South Korea, Linyi specialty products such as wickerwork table lamps, Kadele building blocks and pet products are dazzling. This overseas Linyi Mall opened in September last year. It integrates Linyi’s high-quality products according to the mode of "exhibition before warehouse". It has the functions of display, experience, sales and warehousing, and is also an upgraded version of the traditional overseas warehouse. Guan Zhaojun, Chairman and President of Lanhua Group, introduced that the company has also built overseas shopping malls and warehouses in Malaysia, the United States, Kazakhstan and Thailand, and cooperated to build a "Sino-Vietnamese border warehouse" in the estuary of Yunnan, continuously developing international trade business and selling Linyi specialty products overseas.

In recent years, the trade between China and Nepal has shown a sustained growth trend. After investigation and on-the-spot investigation, Tibet Lhasa Bureau of Commerce and Lhasa Zangni International Supply Chain Management Co., Ltd. completed the construction and operation of overseas warehouses in only three months. "Lhasa encourages foreign trade enterprises to build overseas warehouses, and will support enterprises identified as public overseas warehouses up to 5 million yuan. At the same time, 50% rent subsidy will be given to enterprises that lease overseas warehouses. " Zhao Hancai, deputy section chief of the Foreign Trade and Economic Cooperation Department of the Lhasa Municipal Bureau of Commerce, said that after the opening of the cross-border electronic commerce Comprehensive Experimental Zone, Lhasa has made great efforts in optimizing the customs clearance environment and exploring the international market, making cross-border electronic commerce’s industry bigger and stronger.

"China goods are very popular in Nepal. We are purchasing small household appliances, clothing, shoes and hats and other goods to send to Nepal. " Fu Guangyi, general manager of Lhasa Zangni International Supply Chain Management Co., Ltd. introduced that the cross-border e-commerce model enables goods to be delivered to overseas consumers faster through the pre-stocking of overseas warehouses, saving logistics costs, enriching export categories and expanding overseas consumer markets for local traditional foreign trade enterprises.

According to reports, relying on Nepal’s overseas warehouses, the Lhasa Municipal Bureau of Commerce will cultivate and attract a number of key cross-border e-commerce enterprises and service providers, and lay a good combination of cross-border e-commerce, overseas warehouse opening and overseas participation to expand export channels. This year, the Lhasa overseas warehouse project plans to complete a total export trade of about 400 million yuan.

In order to better serve cross-border e-commerce, various localities continue to introduce new policies and measures.

In order to accelerate the cultivation of new formats such as cross-border e-commerce, the Guangdong Provincial Department of Commerce has taken the lead in formulating opinions on the planning and construction of cross-border e-commerce parks, and has successively issued policies such as high-quality development of cross-border e-commerce and sustained and stable development of cross-border e-commerce.

Pan Wenqing, deputy mayor of Lhasa, said that since the approval of the cross-border electronic commerce Comprehensive Experimental Zone in Lhasa, the city has formulated and introduced cross-border e-commerce support policies, introduced and cultivated cross-border e-commerce business entities, made every effort to build a cross-border e-commerce industry ecosystem, and continuously enhanced the endogenous motivation of foreign trade. In the first half of this year, Lhasa achieved a total import and export value of 2.594 billion yuan, a year-on-year increase of 183.3%, and foreign trade showed a good development trend.

Since the beginning of this year, the Zhejiang Provincial Department of Commerce has further promoted the cultivation of cross-border e-commerce, and continued to carry out the action of "opening stores around the world, launching brands to the sea, and piloting independent stations" to promote the docking of high-quality service providers’ resources with enterprises in industrial belts. At present, there are 206,000 active cross-border e-commerce export online stores in Zhejiang Province, and there are over 600 enterprises with annual sales of over 100 million yuan. According to data released by Hangzhou Customs, in the first half of the year, cross-border e-commerce exports in Zhejiang Province reached 179.93 billion yuan, a year-on-year increase of 38.5%.

Recently, a number of self-designed oil-paper umbrellas of Hangzhou Anruosu Technology Co., Ltd. were successfully exported to the European market on special cross-border e-commerce cargo flights.

"Since the opening of an online store on the cross-border e-commerce platform in February this year, the sales of oil-paper umbrellas have increased month by month, and now they can receive more than 100 overseas orders on average every day." Li Yanshuang, the person in charge of the company, said that when traditional culture embraces emerging formats, Chinese-style cultural products such as oil-paper umbrellas and horse-faced skirts are continuing to "circle powder" in foreign consumer markets.

Zhu Cheng, president of Zhejiang Bichuang Technology Group Co., Ltd., believes that cultural tourism products will become a new variety of cross-border e-commerce track and will usher in huge market opportunities in the future. At present, the company intends to unite Guangdong? Sub-industry investment groups, etc., work together to create an industry-oriented park that integrates "cross-border e-commerce+cultural (cultural) industry incubation+overseas social media+industrial funds". At the same time, build an ecological service chain to serve the national culture and tourism enterprises, and boost China’s cultural tourism products to the world.

In order to support more traditional enterprises to better connect with the international market, Hangzhou Customs has made efforts in strengthening policy guidance and improving supervision and support, unblocked the channels for enterprises to "go to sea" and supported the normal operation of cross-border e-commerce export cargo flights. The Zhejiang Provincial Department of Commerce will also establish a cross-border e-commerce enterprise cultivation library, focusing on promoting traditional industrial and trade enterprises, specialized and special new enterprises, commercial and trade circulation enterprises, domestic e-commerce sellers, etc. to carry out cross-border e-commerce business and form new cross-border e-commerce increments. (Reporter Zhang Jianjun, Wang Jinhu, Dai Ling, Li Jing)

　　KimberlyKardashian, an American actress, has multiple identities. She is a host, a fashion designer, a good friend of ParisHilton, and a popular actress in the American hit reality show DancingwiththeStars.

　　She has a nickname "Celebrity with Big Breasts", and she is as famous as Paris Hilton because of the exposure of sex videos on the Internet. What is puzzling, however, is that people pay less attention to her sex videos than to her devil figure.

　　CCTV News:According to the website of China Banking and Insurance Regulatory Commission, China, recently, the Consumer Protection Bureau of China Banking and Insurance Regulatory Commission, China issued the Notice on the Complaints about Insurance Consumption in the Second Quarter of 2022 (No.11 Notice of 2022, hereinafter referred to as the Notice), which informed the complaints about insurance consumption received and transmitted by China Banking and Insurance Regulatory Commission and its dispatched offices.

　　According to the Circular, China Banking and Insurance Regulatory Commission and its agencies received and forwarded 28,554 complaints about insurance consumption in the second quarter. Among them, 10051 property insurance companies were involved, accounting for 35.20% of the total complaints; There were 18,503 life insurance companies, accounting for 64.80% of the total complaints. The number of complaints from PICC P&C ranks first among property insurance companies. The number of complaints in Ping An Life Insurance Company of China ranks first among life insurance companies.

　　According to the Circular, in the second quarter of 2022, the median number of complaints about 100 million yuan premium of property insurance companies was 3.58 pieces/100 million yuan, and the median number of complaints about 10,000 policies was 0.36 pieces/10,000 pieces; The median number of complaints about 100 million yuan premium of life insurance companies is 1.78/100 million yuan, the median number of complaints about 10,000 policies is 0.25/10,000, and the median number of complaints about 10,000 people is 0.08/10,000. Zhonghui Mutual Insurance ranks first among property insurance companies in terms of the complaints about the 100 million yuan premium. The number of complaints about 10,000 policies of Jiulong Property Insurance and Zhonghui Mutual Insurance ranks in the top two among property insurance companies. Fosun United Health ranks first among life insurance companies in terms of complaints about 100 million yuan premium, complaints about 10,000 policies and complaints about 10,000 people.

　　According to the Circular, in the second quarter of 2022, there were 7,808 complaints about claims disputes involving property insurance companies, accounting for 77.68% of the total complaints of property insurance companies; There were 822 complaints about sales disputes, accounting for 8.18%. Zhonghui Mutual Insurance, PICC P&C Insurance and Zhongan Online P&C Insurance rank among the top three property insurance companies. PICC P&C Insurance and Ping An P&C Insurance rank in the top two among property insurance companies.

　　In the second quarter of 2022, property insurance companies filed 4324 complaints about motor vehicle insurance disputes, accounting for 43.02% of the total complaints of property insurance companies; There were 2,434 complaints about other insurance disputes involving property insurance such as COVID-19 epidemic isolation insurance, accounting for 24.22%. PICC P&C ranked first among property insurance companies in the number of complaints about motor vehicle insurance disputes. Zhonghui Mutual Insurance and Zhongan Online Property Insurance are among the top two property insurance companies in terms of complaints about property insurance related to COVID-19 epidemic isolation and other insurance disputes.

　　According to the Circular, in the second quarter of 2022, there were 9,613 complaints about sales disputes from life insurance companies, accounting for 51.95% of the total complaints from life insurance companies. There were 5011 complaints about surrender disputes, accounting for 27.08%. The number of complaints about sales disputes and surrender disputes in Ping An Life Insurance Company of China ranks first among life insurance companies.

　　In the second quarter of 2022, there were 8101 complaints about ordinary life insurance disputes from life insurance companies, accounting for 43.78% of the total complaints from life insurance companies; There were 4182 complaints about sickness insurance disputes, accounting for 22.60%. The number of complaints about ordinary life insurance disputes in Ping An Life Insurance Company of China ranks first among life insurance companies. Ping An Life Insurance Company of China and Xinhua Life Insurance ranked the top two in terms of complaints about sickness insurance disputes among life insurance companies.

Recently, the news that actor Kathy CHAU passed away at the age of 57 made many people feel sorry, and also made people feel the fragility and impermanence of life.

On December 27th, Kathy CHAU’s sister issued a statement saying that according to the surveillance video and the appraisal of the forensic department, it was comprehensively judged that Kathy CHAU had a sudden heart attack.

For a time, the relationship between female menopause and cardiovascular health has also attracted many people’s attention. Previous studies have pointed out that women after menopause should pay special attention to heart health.

Postmenopausal women

Increased risk of heart disease

Why do women have an increased risk of heart disease after menopause? In fact, this is related to the changes in hormone levels in women.

In 2014, a study on the protective effect of estrogen on women’s cardiovascular system published in China Clinical Journal of Obstetrics and Gynecology pointed out that estrogen plays a very important role in preventing cardiovascular diseases besides regulating reproductive system. The increase of the incidence of coronary heart disease in postmenopausal women is closely related to the significant decrease of estrogen level in postmenopausal women. ①

Previous epidemiological surveys have shown that the age of female coronary heart disease is 10-15 years later than that of male, and the incidence of female coronary heart disease before menopause is only 1/10-3/10 of that of male, but the incidence and mortality of coronary heart disease in postmenopausal women have increased significantly. ②③

In June 2018, a study published in the journal of American Heart Association, Sex Hormones and Cardiovascular Diseases in Postmenopausal Women, also showed that the increase in the ratio of testosterone to estradiol (a kind of estrogen) in postmenopausal women was related to the increased risk of myocardial infarction, stroke and heart failure. The higher the testosterone level, the greater the risk, and the higher the estradiol level, the lower the risk. Every standardized unit of testosterone-estrogen ratio increases the risk of cardiovascular disease by 19%, coronary heart disease by 45% and heart failure by 31%. ④

Heart alarm signal

Be regarded as menopausal discomfort

After menopause, many women mistake some symptoms that may be heart disease, such as chest tightness, wheezing when walking, heart pounding and so on, as the inevitable phenomenon of menopause, but ignore that this may be an alarm signal sent by the heart.

Xu Guochen, former deputy chief physician of the Department of Cardiology, Fourth Medical Center, General Hospital of the People’s Liberation Army, once reminded in a health newspaper article that before menopause, high levels of estrogen in women’s bodies made it difficult for blood vessels to harden and block; After menopause, estrogen in women is greatly reduced, and the heart and blood vessels lack buffering adaptability, so the incidence of cardiovascular diseases rises sharply. In addition, the endocrine level changes in menopause, autonomic nervous dysfunction, there will be upset, sweating and other symptoms, easy to make people mistakenly think that menopause syndrome is not taken seriously. ⑤

Dr. Xu Guochen said that if menopausal women often have symptoms such as extreme fatigue, dizziness, nausea, palpitation, fainting, shortness of breath, chest pain or feeling pressure on their back and upper body, they should pay attention to it and go to the hospital for examination in time.

Sharla Cheung Zhou, chief physician of the Chest Pain Center of Guangdong Provincial Hospital of Traditional Chinese Medicine, published an article on WeChat WeChat official account in Guangdong Provincial Hospital of Traditional Chinese Medicine in 2022, saying that menopausal women have symptoms of palpitation, chest tightness, poor sleep and irritability, so it is best to go to the hospital to have an electrocardiogram first and make a preliminary screening for heart diseases. Sometimes, although the ECG is normal, if there are high-risk factors such as hypertension, hyperlipidemia, diabetes, obesity, smoking, alcoholism and family genetic history of heart disease, it is best to do another exercise load test (that is, running ECG). If there are ischemic changes, it is suspected that you have coronary heart disease, and it is recommended to go to a cardiology specialist for further diagnosis and treatment. ⑥

Health times data map

Women after 50 years old

Take care of your heart.

1. Control physical indicators.

Doctors in Sharla Cheung said that menopause and old age are irresistible, and only by controlling the controllable factors can cardiovascular diseases be effectively prevented. Controlling the controllable factors is that obese people should lose weight properly, smokers and alcoholics should quit smoking and limit alcohol, and patients with hypertension, diabetes and dyslipidemia should control their blood pressure, blood sugar and blood lipids well. ⑥

2. Pay attention to the health of diet

Appropriate supplementation of milk and bean products such as soybean milk, tofu, soybean milk and other foods rich in estrogen and milk with high calcium content. Eating fruits, vegetables and fish is also beneficial food. Avoid eating greasy and full meals, which will increase the burden on the stomach and the risk of obesity.

3. Exercise can delay aging

Proper exercise can delay aging. For postmenopausal women, it is a simple and effective exercise method to take a walk every day and practice Qigong or Baduanjin, but it is based on the principle of not being tired and full of energy after exercise, and remember to persevere.

4. Keep a cheerful mood

Increasing social communication makes people feel happy, which is an important factor in preventing and treating diseases, avoiding being too excited and overworked, so as to avoid too much burden on the heart.

This article is synthesized from:

① Plateau, Huining. Study on the protective effect of estrogen on female cardiovascular system [J]. China Clinical Journal of Obstetrics and Gynecology, 2014(1):3.

②Rosano G, Vitale C, Spoletini l, et al. Cardiovascular health in the menopausal woman: impact of the timing of hormone replacement therapy.Climacteric，2012，15: 299-305

③Huang T,Yang B, Zheng J, et al. Cardiovascular Disease Mortality and Cancer Incidence in Vegetarians: A Meta-Analysis and Systematic Review. Ann Nutr Metab, 2012. 60:233-240.

④Di Zhao, et al. Endogenous Sex Hormones and Incident Cardiovascular Disease in Post-Menopausal Women. J Am Coll Cardiol. Volume 71,Issue 22, June 2018

⑤ June-October, 2013 Health Times "Beware of Heart Alarm after Menopause"

⑥2022-07-07 《 Shaping Heart School | Care for the Heart after Menopause 》 by Guangdong Provincial Hospital of Traditional Chinese Medicine.

Source: Health Times

　　Zhengzhou, Zhengzhou, July 24 th (Henan Taiwan reporter Zhou Wenru) According to the Voice of China News Night, "the car loan is zero down payment, and the car drives home". You can drive the car home without spending a penny. Such a "good thing" sounds really tempting. But is there really such a free lunch? In the end, Mr. Xu from Zhengzhou, Henan Province met a businessman who promised to pick up the car with zero down payment. So did he really buy the car without spending a penny? Is buying a car with zero down payment a "pie" or a "trap"?

　　At the beginning of this year, Mr. Xu, a citizen of Zhengzhou, took a fancy to a car in an automobile sales company in the North Ring Road of Zhengzhou. Mr. Xu said that he chose to buy a car in this sales company precisely because the merchant promised to pick up the car with "zero down payment". According to the regulations, Mr. Xu also paid a deposit of 10,000 yuan. The company promised that the rest of the money would be paid in advance by the company. After picking up the car, he would handle the second loan for Mr. Xu. After deducting the expenses, he could drive away.

　　After paying the deposit, Mr. Xu waited at home for the car sales company to go through the car installment payment procedures, and then picked up the car, but there was no news from the left and right. Mr. Xu went to the company for consultation, but was told that he had to pay a series of fees such as commercial insurance and purchase tax before picking up the car.

　　"Zero down payment" literally means that the customer borrows money to buy a car, and does not need a down payment, just needs to repay the loan on a monthly basis. This is actually very tempting for many people, especially young people. The reporter learned that at present, most of the so-called zero down payment car purchases in the car purchase market are made by 4S stores for promotion, but they are actually operated by auto finance institutions and small guarantee companies. A salesperson of a 4S shop in Zhengzhou revealed that the down payment part of the zero down payment is made by the company itself, and the purchase tax and insurance can be funded by a third party. "To put it bluntly, it is a kind of private lending, and then they pay interest."

　　This mode of operation usually advances the full amount to help customers pick up their cars, buy insurance and get a license. When customers have assets, they can apply for credit cards from many banks, and then cash out their credit cards to recover their investment. Mr. Zhu, who has worked in a 4S shop for a long time, told reporters that in this case, consumers only have the right to use, not the ownership. After the sales company helps customers pay the down payment, the car registration certificate is mortgaged. The name on the certificate is a small guarantee company or a guarantor. It will not be transferred to customers until all the money is paid off.

　　Auto financing companies will adjust the interest rate according to the down payment ratio of car buyers. The usual rule is that the higher the down payment, the lower the loan interest rate, while the zero down payment interest rate is relatively higher. Moreover, Mr. Zhu told us that when handling zero down payment through auto financing companies, customers are generally required to buy auto insurance in the 4S shop that handles car loans, and also to install a positioning system, so in the end, customers will not get benefits in terms of vehicle prices. After calculation, Mr. Zhu found that the zero down payment car purchase will be repaid in three years, and a car with a price of about 150,000 yuan will cost more than 30,000 to 40,000 yuan in handling fees and interest. The 4S shop also requires a GPS with a price of more than 3,000 yuan. "

　　In the whole process of zero down payment, auto finance companies have to charge high fees for handling credit cards for customers. The handling fee for a credit card with a limit of 100,000 yuan is 15%, which is 15,000 yuan.

　　It is understood that Article 22 of the Measures for the Administration of Automobile Loans jointly promulgated by the Central Bank and the China Banking Regulatory Commission stipulates that the amount of loans for self-use by lenders shall not exceed 80% of the price of automobiles purchased by borrowers, that is, "zero down payment" is not allowed and recognized by law, which is illegal. Jiang Gongmin, executive vice president of Henan Automobile Industry Association, pointed out that zero down payment cars are usually mortgage cars in stock, and it is very risky to buy them by this unreasonable and illegal method.

　　The staff of Zhengzhou Industrial and Commercial Bureau reminded consumers that there is no free lunch in the world, and consumers should not be greedy for petty gains. To buy a car, you should go to a regular car store or exhibition hall. You can consult the bank or apply directly to the manufacturer’s finance for buying a car by stages.