The appearance of Tank 300 not only enhances the strength of independent automobile brands in the hard-core off-road field, but also promotes the progress of domestic automobile modification culture to a certain extent. There are as many as four "officially modified" models. Today, let’s take a look at what’s special about these four cars.

The first paragraph, tank 300 tank ranger

Guide price: 253,800 yuan

Co-brand: Yunliang Off-road

This is the first official customized model of the tank 300 in the true sense. It was built by the domestic modified brand Yunliang off-road, and the first batch of models were launched in August 2021. In appearance, the design elements of the tank 300 are largely retained, but the front and rear metal stamping bars and metal side bars are replaced, so that the protection of the car body is more in place, and a winch for rescue or extrication is added to the front bar. Tires and wheels have been replaced with off-road models, and nitrogen shock absorption has been replaced, which can cope with extreme road conditions more calmly. The A-pillar of the vehicle is equipped with a wading throat, and the wading depth can reach 900 mm. The second batch of models that are being booked have also added a trailer power inlet, a trailer square opening and an air conditioning entity button, which further improves the practicality.

(2021 Tank Ranger)

In the interior of the car, Tank Ranger also retains most of the design elements of Tank 300, but its performance in comfort configuration is relatively common. Steering wheel heating and Yanfei Lishi audio are not equipped with these two ordinary high-profile models. In addition, the seat is made of imitation leather, and the front seat has only heating and no ventilation function. It seems that the name of tank ranger is unreasonable, and he is a veritable "rough man".

(2021 tank ranger interior)

The second paragraph, the tank 300 wind forest fighters

Guide price: 270,800 yuan

Co-brand: Top Fire

Compared with the tank ranger, the change of Fenglin Iron Rider is bolder. In the front face, the middle net is changed to a simple double rectangular style, and the grille is denser than before, which can better block the impact of flying stones on the condenser. The air inlet is added to the hood, which makes the visual impact stronger. There is no wading throat at the A-pillar position, which will affect the wading height of the vehicle, but the overall feeling is stronger. The front bumper, side bumper and rear bumper of the vehicle have all been changed. After all, this is one of the most attractive places for a hard-core off-road vehicle. It is worth mentioning that this car is equipped with 285/70 R17 wide tires, the tires are basically flush with the wheel cover, and the visual effect is excellent. Such a hard-core tire configuration, of course, requires better suspension shock absorption, and Fenglin Tieqi is also equipped with nitrogen shock absorption and other configurations to improve the passability of vehicles. In addition, the roof is equipped with a luggage rack platform decorated with the words "TOP FIRE", which shows the identity and has strong practicability.

The interior hasn’t changed much, but the higher price compared with tank ranger gives it enough cost space to upgrade in comfort configuration. Steering wheel heating and front seat heating and ventilation are arranged, and the seats are made of leather, which makes the touch more comfortable. This car is also equipped with a PM2.5 filter in the car, as well as the addition of Yanfei Lishi audio and 64-color ambient lights, so that you can be very comfortable in the off-road process. It is also a practical function for camping enthusiasts to bring their own 220V power supply. The first batch of Fenglin fighters gained a good reputation, which also made people look forward to the improvement of the second batch of Fenglin fighters.

Paragraph 3, Tank 300 Border Limited Edition

Guide price: 280,000 yuan

With the cooperation experience with famous domestic off-road refitting brands, Great Wall Motor has also started to upgrade its original factory. This border limited edition model is a typical example, which basically combines the advantages of Tank Ranger and Fenglin Iron Rider. In terms of appearance, the front of this car abandoned the traditional TANK LOGO and replaced it with the simple English letter "Tank". At the same time, the middle net was changed to a black honeycomb style, and the sports atmosphere was improved. The front bumper has been upgraded to a competitive bumper, and the rear bumper has also been optimized. Its approach angle has reached 36 degrees, while its departure angle is 37 degrees, which is the largest among the official models of the 300 series of tanks at present. The front bumper is also equipped with a winch, the wading throat is also equipped, and the roof is equipped with an expandable roof platform, which is more comprehensive.

The interior part of the car basically maintains the configuration of the original high-profile model of the tank 300. Compared with the Fenglin Iron Rider, the front multi-storey sound insulation glass is added, which further improves the sound insulation effect of the vehicle. As an official-reformed vehicle independently developed by Great Wall Motor, the price of the limited edition of Tank 300 Border came to 280,000 yuan. It seems that Great Wall Motor is still quite emboldened. Do you think this price is worth it?

The fourth paragraph, tanks 300 cyber tanks

Guide price: 308,000 yuan

Co-brand: Chaojing

This is the only model of Tank 300 that has been modified to the urban SUV style. If the previous model is regarded as a competing product of herdsman, then this Cybertank is a competing product of Mercedes-Benz G. Although the prices of the two are very different, the styles are relatively close. The appearance of tough sports with gorgeous interior will bring about a turning back rate that is basically no less than that of a supercar. This cyber tank basically only retains the powertrain and chassis of the basic model, and the rest of it has undergone drastic changes. In the net, the penetrating headlights are added, and the car paint with matte gray is matched, so the overall look has a strong sense of science and technology. The wheel eyebrows are changed to the same color as the car body, and the integrity is better. The roof and rearview mirror are decorated with bright colors to enhance the sense of fashion. There is a big bump in the center of the hood to enhance the visual impact. The spare tire is no longer hung at the rear part of the car. Instead, it is a square suitcase with a larger spoiler at the top, but it is mainly used for decoration. Tyre size is 275/45 R21, with a relatively high face value, but it basically does not have off-road ability. Even if it crosses the speed bump or bumps, it is necessary to close the throttle, otherwise it will easily cause tire bulging.

The biggest change in the interior is the use of pure white color matching. The seats, center console and door panels are mainly white, followed by a large number of chrome-plated decorative pieces. The visual effect is excellent, but it is really not resistant to dirt. The stitching of leather seats is exquisite, and the sense of luxury is in place. According to legend, this is the most expensive model in the customized version of tank 300. Can you accept the price increase of such a model with a main face value?

These are the four special models of Tank 300 on sale. Although the price is much higher than that of the ordinary model, these models are equipped with hard-core configurations such as front and rear axle differential lock and part-time 4wd, which can meet the individual needs of different consumers. If the budget is enough, which one would you choose? In addition, this successful model of tank 300 is likely to continue to other models such as tank 500. Do you expect it? (Text/Youshi Automobile Control Wind)

Note: the pictures are from the internet, and the rights belong to the original author. Thank you! This article only represents the author’s personal views, and does not represent the position of AUV.

　　　　　　 Cctv newsRecently, the staff of Dalongtan Golden Monkey Field Research Base in Shennongjia, Hubei Province tracked and monitored the monkeys and found that a female monkey in the golden monkey population, a national first-class protected animal, successfully gave birth to the first golden monkey baby in the base this year.

　　　　　　 According to the relevant person in charge of the Dalongtan Golden Monkey Field Research Base, golden monkeys give birth from the beginning of March to the end of May every year, and females are generally pregnant from August to October in the first year, and the pregnancy period is nearly 200 days. Every female monkey usually gives birth once every two years, and it takes a year for the female monkey to feed the little golden silk monkey. In order to ensure that the mother monkey recovers as soon as possible and secretes enough milk to feed the baby monkey, the base adjusts the food supply type for the mother monkey, and sends special personnel to observe and monitor the mother monkey and the baby monkey around the clock.

　　　　　　 According to the statistics of the base, the population of golden monkey in Shennongjia has increased from 8 in 2005 to 10, and the number has increased from more than 1,280 to more than 1,470, and the habitat area has increased from 210 square kilometers to 354 square kilometers.

The richness of the configuration is closely linked to the cost performance of a car, and many people have mentioned it. Let’s take a look at it next.

Let’s take a look at the appearance of Hyun Jie. The whole front of Hyun Jie looks very solid and sporty. Coupled with the headlights of fashion sports, the overall look has a certain sense of hierarchy. The car is equipped with LED daytime running lights, delayed shutdown and so on. Coming to the side of the car body, the size of the car body is 4420 mm * 1831 mm * 1653 mm. The car adopts dynamic lines, and the side wall presents a simple and fashionable design style. With large-sized thick-walled tires, it looks full of sports. In the design of the rear of the car, the rear and the front of the car echo each other from a distance, and the taillights look very spiritual. Overall, they are quite fierce.

Sitting in the car, the interior adopts elegant design, and the visual effect is quite unique. The steering wheel of the car is very hard-core and made of imitation leather, which gives people an impulse to control it. From the central control point of view, with the 10.25-inch touch-sensitive LCD central control panel, the interior style is impressive and looks sharp. Finally, let’s take a look at the dashboard and seats. The dashboard design is remarkable and the display effect is excellent. The car adopts imitation leather seats, which are wide and thick and comfortable.

Hyun Jie is matched with CVT gearbox, with the maximum power of 85KW and the maximum torque of 143N.m, and the power performance is good.

Equipped with rear wiper, traction control (ASR/TCS, etc.), support for CarLife, Bluetooth /WIFI connection, sun visor mirror and other configurations, it has rich functions and greatly improves its convenience.

OK！ Next, let’s sum up. The model class introduced today is the most considered class when many people buy their first car, mainly because the size of this class is moderate and the price is reasonable.

China Consumer News Beijing News(Reporter)Wu bofeng) On September 5th, under the guidance of insurance association of china, with the support of China Automotive Technology Research Institute Co., Ltd. and China Automotive Engineering Research Institute Co., Ltd., China Automotive Technology Research and Test Center (Beijing) Co., Ltd. evaluated eight models according to the regulations of China Insurance Automobile Safety Index 2023.

It is reported that this is the first release of the evaluation results of China Insurance Automobile Safety Index in 2024, involving eight models, including Ideal MEGA, BMW i5, Ai ‘an Haobo HT, Xiaomi SU7, Toyota Corolla Ruifang, Extreme Krypton 007, Ideal L6 and Jianghuai Ruifeng RF8. Specifically, the number of SUVs and cars is three, and the other two are MPV models, of which six are new energy vehicles.

The evaluation results show that the sub-indexes of crashworthiness and maintenance economy are good (A) for six models and average (M) for two models. Among them, in terms of structural crashworthiness score, BMW i5 got excellent evaluation, and the evaluation result was zero defect; In terms of maintainability score, one model received excellent evaluation, and three models, such as Xiaomi SU7 and Toyota Corolla Ruifang, received good evaluation; In terms of collision compatibility, four models, such as Ideal MEGA and JAC Ruifeng RF8, received excellent evaluation.

In the sub-index of occupant safety, the evaluation results of seven models are excellent (G) and above, and five of them are excellent +(G+). In the driver’s side 25% offset collision condition, the proportion of vehicles with excellent evaluation is 100%; In the passenger side 25% offset collision condition, seven models, such as Xiaomi SU7 and BMW i5, received excellent evaluation, and the evaluation results were all zero defects. In the frontal 50% offset collision condition, there are 7 models with excellent evaluation, of which 4 models have zero defects; In the case of side impact, there are 7 models with excellent evaluation, and the evaluation results of 6 models are zero defects; In the roof strength condition, the proportion of vehicles with excellent evaluation is 100%; In the seat/headrest working condition, the proportion of vehicles with excellent evaluation is 100%.

In addition, the safety sub-index of drivers and pedestrians, the evaluation results of eight models are excellent (G) and above, among which seven models get excellent +(G+).

Vehicle auxiliary safety sub-index, 8 models all got excellent (G) and above, among which 5 models got excellent +(G+). Among them, 7 models are equipped with AEB function as standard, with an equipment rate of 87.5%, and 7 models are equipped with emergency rescue service function, with an equipment rate of 87.5%.

Tencent Video launched the costume idol drama "Try the World" adapted from the novel of the same name of Leng Leng Yue. This drama tells the story of Feng Lanxi and Bai Fengxi, two prominent figures, who have experienced all kinds of love and worked hand in hand to travel around the world.

The play met the audience at 8 pm when it premiered, and eight episodes were released in one breath. If you do a little math, you will find that if anyone watches these eight episodes continuously at night, they will have to stay up until two o’clock in the middle of the night. But even so, on this working night, the broadcast volume of this drama is rising rapidly, ranking third only to "Like an old friend returning" and "Happy Birthday" which have been broadcast for a long time. It may also be based on this that many entertainment bloggers come out to squat down a feedback post to see what everyone’s attitude is.

Under the comments of many feedback posts, there are mainly two voices. The first one, of course, came from fans. They said it well, indicating that the play of this drama was particularly brilliant, with the texture of S+. It cost money at first glance and the moves were carefully designed. Then there is the look at the face. Yang Yang is really handsome in ancient costume, and Zhao Lusi’s crying drama can stand the test.

Another kind of voice, of course, is against this and expresses great dissatisfaction with it. The plot is boring, and it is easy to hypnotize people when they fall asleep. Once again, the voice actor who was familiar to the audience was used. As soon as Bian Jiang spoke, everyone jumped into the play in an instant, and all the classic lines in his mind were, for example, "Zhao Mosheng, what do you owe me?" Anyway, the two forces hold their own words, and they are arguing with each other, and they will meet each other at once.

The feedback on the first day of the premiere was so raging, I think there are the following reasons.

The first reason, which is also the most attractive to many people, is the two leading roles.

Yang Yang, the leading actor, returned to the costume idol drama market this time, with the attitude of absolutely washing away his greasy image in the movie version of to the sky kingdom! Presumably, many netizens still remember the animation of Yang Yang’s "dumping Lamian Noodles" in the movie. Once upon a time, Yang Yang, who was a beautiful son like jade in everyone’s mind, was stepped on by everyone at that time, and everyone had to send him a sentence: "Thank you, there was oil."

After this movie, Yang Yang’s career can be said to have suffered from Waterloo. Bking, greasy and full of negative adjectives are superimposed on him, which makes fans feel bad, fearing that fans will simply lose. Therefore, Yang Yang needs a drama that can prove that he is a really beautiful man rather than a greasy man.

Zhao Lusi, who plays the heroine, is playing the heroine of an S-level costume drama for the first time, which means drawing a line with the image of Xiao Tianmei who has been playing in online dramas before. Once upon a time, she was laughed at by everyone as an online drama cafe. Now, she wants to present different works to everyone. Then, whether she can hold the S-class stably or not, and whether she can control other roles except Xiao Tianmei, the first performance is very important.

The two leading actors in this drama have a little special significance, and they are anxious to let people see themselves differently, which is why everyone wants to seize the high ground of public opinion on the first broadcast day.

The second reason is to look around the recent market.

As mentioned above, the first night of the show was second only to "Like the ancients returning" and "Happy Birthday", but second only to or second only to. The stars of these two dramas are Ren Jialun, who is now broadcasting two dramas at the same time, Dilraba, who is a former CP with Yang Yang, and Zheng Yecheng and Crystal, who are on the rise. All of them are rivals, and no one can be underestimated. At ordinary times, these people have certain competition, and this time is of course even worse. To take a step back, even though there are many differences between these dramas, in the final analysis, they are all idol dramas, and the positioning of several actors is also small flowers, so conflicts are inevitable. As far as the current performance level of domestic dramas is concerned, it is impossible for every drama to be so good that everyone can’t give up. One drama attracts an audience, and another drama will lose an audience.

Finally, because of a historical law, it is difficult for a drama to open low and go high. Most dramas are based on the principle that the first move is the strongest, focusing on the early stage.

There are no dramas that write low and walk high, or even many people, but have you seen any dramas that open low and walk high and finally burst? No. Only a high opening can explode, and some good dramas lost their opportunities in the first episode or two or because of filter clips and other negative news. Although it was finally countered because its content was excellent enough, it has lost the opportunity to become a truly explosive drama.

However, an ordinary drama attracted most people’s attention as soon as it was broadcast, relying on intensive and strong announcements. Even if the follow-up motivation was insufficient, it had already framed a group of viewers. Who let some viewers not abandon the drama once they started to follow it?

Xinhua News Agency, Beijing, December 17thTitle: The field of hope, the power to forge ahead —— On the overall revitalization of rural areas from the perspective of high-quality development of agriculture and rural areas

Xinhua news agency reporter

Spring ploughing and summer ploughing, autumn harvest and winter storage. Under the strong leadership of the CPC Central Committee and the State Council, all localities and departments have continuously intensified their work on agriculture, rural areas and farmers this year, effectively overcoming the adverse factors such as severe floods in some places, achieving a bumper harvest of grain and steadily advancing the high-quality development of agriculture and rural areas.

The General Secretary of the Supreme Leader profoundly pointed out that "a strong country must first strengthen agriculture, and a strong agriculture can strengthen the country." Looking at the vast land of China, people have made unremitting efforts to speed up the construction of an agricultural power, comprehensively promote rural revitalization, and lay a solid foundation for building a socialist modern power.

Tamp the "ballast stone" of food security

After a winter snow, green wheat poked its head out of the snow in Shanying Village, Macun Town, Jiaxiang County, Shandong Province. Despite the temperature drop, Wanmin, a big grain grower after 00, is not too worried: "Just after watching the seedling situation, deep ploughing before winter has improved the quality of land preparation, plus sowing at the right time, winter irrigation to prevent freezing injury, and strong seedlings have a foundation for overwintering." In recent years, Jiaxiang County has promoted intelligent agricultural machinery, plant protection drones and other equipment, and integrated technologies such as conservation tillage and green prevention and control of pests and diseases, which has provided strong support for grain production.

This year, China implemented a new round of 100 billion Jin of grain production capacity improvement, continued to raise the minimum purchase price of wheat and rice, improved the subsidies for corn and soybean producers, implemented the responsibility of farmland protection and food security in various localities and departments, and the Ministry of Agriculture and Rural Affairs launched a large-scale unit yield improvement campaign for major crops such as grain and oil, and agricultural technicians gave in-depth guidance. Effectively overcome the rare "rotten rain" in Huanghuai and the severe local floods in northeast China, and the annual grain output has been stable at more than 1.3 trillion Jin for nine consecutive years … The grain harvest has laid the foundation for economic and social stability.

All localities have extended the grain industry chain, upgraded the value chain, built a supply chain, and constantly improved the quality, efficiency and competitiveness of agriculture.

In recent years, Yongfeng Rice in Yongfeng Village, Taihe Town, Meishan City, Sichuan Province has been favored by consumers. While making excellent rice brands, the local government has introduced Mi Lu with cream and popcorn with pure edge oil, and featured products have entered more people’s homes.

Green is the background color of agriculture. At the 37th China Plant Protection Information Exchange and Pesticide Machinery Fair held not long ago, nearly 1,000 enterprises participated in the exhibition, displaying and exchanging new technologies and products. The relevant person in charge of the National Agricultural Technology Extension Service Center said that agricultural development has entered a new stage of comprehensive green transformation, and it is necessary to further enhance the ability of plant protection, disaster prevention and mitigation, and provide strong support for ensuring national food security, agricultural product quality and safety, and ecological environment safety.

The coverage rate of improved varieties of crops is over 96%, the comprehensive mechanization rate of farming and harvesting reaches 73%, and the contribution rate of agricultural scientific and technological progress reaches 62.4% … China’s rice bowl is more secure and better, laying a solid foundation for building an agricultural power.

Take multiple measures to broaden the channels of increasing farmers’ income

In winter, Hu Ruiyun, a poverty-stricken household, is busy pruning fruit trees in the pear garden in Honglongji Village, wei county, Hebei Province. "10 acres of land at home have been transferred, and you can get 800 kilograms of wheat per acre every year, and you can earn more than 100 yuan a day in the pear garden." Hu Ruiyun said happily.

Zeng Yande, chief agronomist of the Ministry of Agriculture and Rural Affairs, said that by the end of the third quarter of this year, 63.5% of the monitored objects in 22 provinces in the central and western regions had eliminated the risk of returning to poverty, and the rest had implemented assistance measures.

All localities should develop characteristic industries, promote the steady employment of migrant workers, and do everything possible to broaden the channels for farmers to increase their income and get rich. Finger Lemon, Bird’s Nest Fruit and Mume Fruit … The "Window of the World Tropical Fruit" base in dalu town, qionghai city, Hainan, integrates fruit introduction and breeding, demonstration planting and popular science sightseeing. More than 100 people have achieved stable employment and studied technology here.

China’s rural industries to enrich the people have grown stronger. Statistics from the National Bureau of Statistics show that the per capita disposable income of rural residents in the first three quarters of this year was 15,705 yuan, a real increase of 7.3% after deducting the price factor. Comprehensively improve the quality of farmers, do a good job of "local products" according to local conditions, and all kinds of resource elements are constantly activated, driving the broad masses of farmers to live a prosperous life.

Not long ago, experts from the Cotton Research Institute of the Chinese Academy of Agricultural Sciences came to Laoshan Town, Shawan City, Xinjiang to explain cotton cultivation, intelligent water and fertilizer integration and other technologies to help farmers improve their planting level. "In the future, we will send agricultural technicians here and organize on-site observation meetings to accelerate the promotion of modern agricultural technology." Li Yabing, a researcher at the Cotton Research Institute of the Chinese Academy of Agricultural Sciences, said.

Accelerate the construction of a livable, suitable and beautiful country.

Strolling in wulong village, Liuzhi Special Zone, Guizhou Province, you are greeted with a picture scroll: characteristic houses built on the mountain, daisies swaying in the wind, stone troughs and stone mills bearing homesickness …

"The road is good, the village is clean, and the dry toilet has been changed into a flush toilet, which is convenient and hygienic." Villager Zhu Jingrong said happily. In the past two years, the village infrastructure has been upgraded and transformed, and the health habits of the people have changed greatly.

Wulong village is the epitome of rural construction in China. At present, the penetration rate of rural sanitary toilets in China exceeds 73%, and more than 95% of villages have carried out cleaning operations, and the village appearance has been continuously improved.

The efficiency of rural governance is also steadily improving. Since 2022, the Ministry of Agriculture and Rural Affairs has cooperated with Tencent to launch the "cultivator" revitalization plan, and provided free training for rural governance backbones and leaders of new agricultural management entities. More than one million people learn rural governance systems and measures such as the points system, the list system and the villagers’ saying things in the "Plowers for the Village" applet.

Farming civilization and urban civilization complement each other, and civilized rural style, good family style and simple folk customs are continuously passed down and carried forward.

"Knock, knock, knock …" In Yaoda Village, Chengzhong Town, Ningming County, Chongzuo City, Guangxi Province, the tourists had not yet stepped off the cruise ship when the clanging drums came from a distance. In the village at the foot of Huashan Rock Painting Mountain in Zuojiang, a world cultural heritage, Lv Ximei, a Zhuang villager, is a member of the bronze drum performance team: "The development of tourism in the village can not only increase income, but also pass on the bronze drum culture. I am very happy."

Accelerate the construction of a strong agricultural country, and build a livable and beautiful countryside … The fields of hope are full of hard work and struggle, and the broad masses of peasants and "three rural" workers make unremitting efforts to create a better life with hard work and sweat, and contribute to the construction of a socialist modernization power! (Reporter Yu Wenjing, Yu Qiongyuan, Pan Dexin, Ye Jing, Guo Yifan)

Total assets per household in each province

　　How many assets do urban households in China have? How much debt is there? Is the household debt risk controllable? The latest investigation and study by the investigation and statistics department of the central bank gives the answer. On April 24th, WeChat official account, the official WeChat of China Finance magazine, published the research report "Survey on the Assets and Liabilities of Urban Households in China in 2019", which was written by the research group of the Survey and Statistics Department of the People’s Bank of China.

　　In the middle and late October of 2019, the research group of assets and liabilities of urban households of the Survey and Statistics Department of the People’s Bank of China conducted an assets and liabilities survey on more than 30,000 urban households in 30 provinces (autonomous regions and municipalities directly under the Central Government). This is one of the most complete and detailed surveys on the assets and liabilities of urban residents in China.

　　According to the report, the three provinces (autonomous regions and municipalities directly under the Central Government) with the highest household assets are Beijing, Shanghai and Jiangsu, among which the average household assets of Beijing residents are 8.928 million yuan.

　　Family assets are mainly real estate.

　　Every household has 1.5 suites.

　　According to the survey data, the average total assets of urban households is 3.179 million yuan, and the median is 1.63 million yuan. The difference between the mean and the median is 1.549 million yuan.

　　After deducting the assets from the liabilities, the net assets obtained can more truly reflect the wealth level of the households. According to the survey data, the average net worth of urban households in China is 2.89 million yuan. The median net worth of a family is 1.41 million yuan, which is 1.48 million yuan lower than the average.

　　In terms of economic regions, the eastern region is significantly higher than other regions. The average total assets of households in the eastern region are 4.61 million yuan, which are 1.975 million yuan, 2.534 million yuan and 2.96 million yuan higher than those in the central, western and northeastern regions respectively.

　　The survey shows that the household assets of urban residents in China are mainly physical assets, with an average of 2.53 million yuan, accounting for 80% of the total household assets.

　　Of the physical assets, 74.2% are housing assets, and the average household housing assets are 1.878 million yuan. The proportion of residents’ housing assets to total household assets is 59.1%.

　　The survey shows that the housing ownership rate of urban households in China is 96.0%, the proportion of households with one house is 58.4%, the proportion of households with two houses is 31.0%, the proportion of households with three or more houses is 10.5%, and the average household owns 1.5 houses. The overall housing ownership rate of American households is 63.7%, which is 32.3 percentage points lower than that of China.

　　The more houses owned by urban households, the lower the proportion of housing assets in their household assets. The proportion of housing assets in the total assets of a family with one house is 64.3%, that of a family with two houses is 62.7%, and that of a family with three or more houses is 51.0%. This is mainly because families with multiple properties are more inclined to diversify their assets after solving their basic housing needs.

　　Risk-free financial assets per household are 350,000 yuan.

　　The total debt per household is 512,000 yuan.

　　According to the survey, 99.7% of the families surveyed have financial assets, with an average financial asset of 649,000 yuan, accounting for 20.4% of the total family assets. Compared with the United States, the proportion of financial assets of urban households in China is low, which is 22.1 percentage points lower than that of the United States.

　　The families are sorted by financial assets and physical assets from low to high. The financial assets owned by the families with the highest 10% financial assets account for 58.3% of all sample families, while the assets owned by the families with the highest 10% physical assets account for 47.1%. It can be seen that the imbalance of financial assets is more significant.

　　The survey shows that the holding rate of risk-free financial assets in the surveyed families is 99.6%, and the average household is 352,000 yuan; The holding rate of risk financial assets is 59.6%, and the average household is 501,000 yuan. From the survey sample as a whole, the average household holds 350,000 yuan of risk-free financial assets, accounting for 53.9% of the total financial assets, which is higher than the risk-free financial assets.

　　In terms of household liabilities, the survey shows that the proportion of households with liabilities is 56.5%. In terms of regions, the household debt participation rate in Northeast China is the lowest, accounting for 42.1%; 57.9% in the east and 55.7% in the middle; The highest in the western region is 60.1%.

　　Among the indebted families, the total debt per household is 512,000 yuan. Among them, 53.8% households have a debt balance of less than 300,000 yuan, 35.6% households have a debt balance of 300,000 to 1 million yuan, and 10.5% households have a debt balance of more than 1 million yuan. The liabilities of urban households are mainly bank loans. Among households with debts, the average bank loan is 496,000 yuan, accounting for 96.8% of the total liabilities of households.

　　The proportion of liabilities outside the banking system is low, only 3.2%, of which the average household liabilities of private loans and Internet financial products loans are 12,000 yuan and 0.1 million yuan respectively, accounting for 2.4% and 0.2% of the total household liabilities respectively.

　　From the perspective of debt use, mortgage is the basic composition of household debt. Among the indebted households, 76.8% have housing loans, and the average household housing loan balance is 389,000 yuan, accounting for 75.9% of the total household liabilities.

　　analyse

　　The household debt risk is generally controllable.

　　The report pointed out that the asset-liability ratio of urban households is generally stable and their solvency is generally strong.

　　Overall, the asset-liability ratio of urban households in China is relatively low. The survey shows that the average asset-liability ratio of urban households in China is 9.1%, which is lower than that of the United States (12.1%). Among them, the average asset-liability ratio of indebted families is 14.8%, and the median is 15.8%.

　　According to the report, the solvency of urban households in China is generally strong. According to the survey data, the average debt service income ratio of urban households is 18.4%, of which the mortgage debt service income ratio is 9.1%. The average debt service income ratio of indebted households is 29.5%, and the median is 26.7%.

　　According to the results of the investigation, the research group puts forward two problems that need to be paid attention to. First, the financial asset-liability ratio of households is relatively high, and there is a certain liquidity risk. The survey shows that the financial asset-liability ratio of urban households in China is 44.6%, among which the average financial asset-liability ratio of indebted households is 85.3% and the median is 117.3%, and the financial asset-liability ratio of more than half of households exceeds 100%. It can be seen that although the overall asset-liability ratio of residents is stable, the liquidity of assets is poor and there is a certain liquidity risk.

　　Second, the debt risk of some families is relatively high, mainly manifested in: some low-asset families are insolvent and the risk of default is high; Young and middle-aged groups have great debt pressure and high debt risk; There are many financial products such as wealth management, asset management and trust invested by the elderly groups, which are risky; The debt risk of just-needed mortgage families is outstanding. (Reporter Cheng Wei)

　

The scene of the game. Photo courtesy of Qinhuai River Company

Measure the first historical and cultural river in China with paddles, and enjoy the ancient city of Jinling on the Qinhuai River. At 6: 30 am on December 2nd, at the dock of Shicheng Park on Qinhuai River, the contestants of the 3rd Nanjing Rowing Marathon Open were ready to challenge the single rower to row the whole horse (42.195km) and the half horse (21.0975km).

According to the relevant person in charge of Qinhuai River Company, the innovative competition form and extremely challenging difficulty of the event are the first in China, which provides a new opportunity for the national contestants to "look at Nanjing from another angle" and also shows a new business card for Qinhuai River to strive for a global water gold track.

The scene of the game. Photo courtesy of Qinhuai River Company

After more than four hours of competition, Shi Haiming, a marathon runner in men’s single rowing, won the men’s team championship with a historical best score of 4 hours, 07 minutes and 01 seconds. Gu Yongheng was runner-up in 4 hours, 25 minutes and 41 seconds. Jason, president of Nanjing Rowing Association, is the oldest contestant in this competition. He has been participating in rowing marathon for three years at the age of 68, and won the third place in this competition in 4 hours, 36 minutes and 18 seconds.

Dr. Li Shengnan from Nantah Rowing Team, the first women’s single rowing marathon, won the women’s championship with the best time of 4 hours, 42 minutes and 03 seconds.

Winners celebrate the scene. Photo courtesy of Qinhuai River Company

The competition for the men’s single rowing half marathon was fierce. The top three finished the race within 2 hours, and Guo Wei won the championship in 1 hour, 51 minutes and 21 seconds. Jin Kewei won the runner-up in 1 hour, 57 minutes and 50 seconds; Gu Rong won the third place in 1 hour, 59 minutes and 55 seconds. Wan Wei and Miao Xudong, who participated for the first time, won the fourth and fifth place respectively.

It is understood that this event is guided by Nanjing Rowing Association, sponsored by China Boat Group and hosted by Nanjing Boat Friends Rowing Club. In terms of cultural excavation, the competition provided the contestants with detailed river maps in advance, as well as story explanations of historical and cultural allusions, paddled among them, moved to change scenery, and their mood rippled in history and culture. In recent years, water sports in Nanjing have experienced explosive growth, and more people have actually enjoyed the achievements of environmental governance in Nanjing. Bathing in the sun and paddling the Qinhuai River has become a new choice for Nanjing citizens to keep fit. (Chen Jian)

　　Cctv news: The State Financial Supervision and Administration Bureau issued a notice on matters related to the connection between individual tax deferred commercial endowment insurance pilot and individual pension. The full text is as follows:

　　Shanghai, Jiangsu, Fujian and Xiamen Supervision Bureaus of the State Financial Supervision and Administration Bureau, China Bank Insurance Information Technology Management Co., Ltd., a pilot company of personal tax deferred commercial endowment insurance:

　　In order to implement the Opinions of the General Office of the State Council on Promoting the Development of Individual Pensions (No.7 [2022] of the State Council), the Measures for the Implementation of Individual Pensions (No.70 [2022] of the Ministry of Human Resources and Social Security), and the Notice of China Banking and Insurance Regulatory Commission, China on Relevant Matters Concerning Insurance Companies’ Personal Pensions (No.17 [2022] of the Banking Insurance Regulatory Commission), and promote the healthy and orderly development of individual pension businesses, In consultation with the Ministry of Finance, the Ministry of Human Resources and Social Security and the State Administration of Taxation, the General Administration of Financial Supervision decided to carry out the pilot project of individual tax deferred commercial endowment insurance (hereinafter referred to as individual tax deferred endowment insurance) and the convergence of individual pensions. The relevant matters are hereby notified as follows:

　　1. The pilot company of individual tax deferred pension insurance (hereinafter referred to as the pilot company) shall adhere to the principles of compliance, initiative and convenient operation, do a good job in policy propaganda, optimize the handling process, safeguard the legitimate rights and interests of customers, carry out the pilot business of individual tax deferred pension insurance in an orderly manner, and in principle complete all the work before the end of 2023.

　　Second, China Bank Insurance Information Technology Management Co., Ltd. (hereinafter referred to as Yinbaoxin Company) shall strengthen the construction and operation management of the information platform of individual tax deferred pension insurance and the information platform of individual pension in the banking insurance industry (hereinafter referred to as the platform of bancassurance industry), and support the connection between the pilot of individual tax deferred pension insurance and individual pension.

　　III. Yinbaoxin Co., Ltd. shall co-ordinate the confirmation of the policy information of individual tax deferred pension insurance. Within three working days from the date of issuance of this notice, Yinbaoxin Co., Ltd. shall provide its individual tax deferred pension insurance policy information, including basic information of the insured and payment information, to all pilot companies according to the information of the individual tax deferred pension insurance information platform. Since September 1st, 2023, Yinbaoxin Company has closed the new interface of insurance contract of tax deferred pension insurance information platform, stopped the new account opening function of tax deferred pension insurance policyholders (hereinafter referred to as policyholders), and stopped issuing tax deduction vouchers for tax deferred pension insurance to policyholders.

　　Four, the pilot company will check the information provided by the bank insurance company with the relevant information of the company, and the inconsistent information shall be confirmed with the bank insurance company one by one. Within 15 working days from the date of issuance of this notice, the pilot company shall determine the policy information of individual tax deferred endowment insurance and feed it back to the bancassurance company. Since September 1, 2023, the pilot company stopped selling tax deferred pension insurance products to new customers, and supported the change of tax deferred pension insurance policy to personal pension tax deferred pension insurance policy.

　　5. After the pilot company completes the docking with the platform system of the bancassurance industry, it shall submit a description of the docking to the General Administration of Financial Supervision, and the General Administration of Financial Supervision shall include the individual tax deferred pension insurance products it has conducted in the list of individual pension insurance products. Individual tax deferred pension insurance products of pilot companies that have not carried out individual tax deferred pension insurance business shall not be included in the list of individual pension insurance products.

　　If a pilot company applies for filing other personal pension insurance products, it shall meet the requirements for the insurance company to carry out personal pension business.

　　Six, the pilot company shall support the insured who has not yet entered the stage of receiving the pension annuity, and after completing the opening of the personal pension account and the opening or designation of the personal pension fund account, the application for changing the tax deferred pension insurance policy to the personal pension tax deferred pension insurance policy is put forward.

　　Seven, after receiving the applicant’s application for policy change, the pilot company shall prompt it to check the tax deferred old-age insurance payment and personal pension fund account payment in 2022 and 2023. If the above two payments totaled more than 12,000 yuan in that year, the applicant can apply for a refund of the excess premium of tax deferred old-age insurance with the relevant payment certificate. The pilot company shall obtain the confirmation of the insured whether it is necessary to refund part of the premium to it.

　　If the applicant applies for refund of the premium, the pilot company shall verify the relevant certificates within 10 working days, refund the excess premium and obtain the confirmation of the applicant.

　　Eight, the pilot company in accordance with the provisions of article seventh of this notice to obtain the confirmation of the insured, in accordance with the following procedures for policy changes:

　　(1) Preserve the individual tax deferred endowment insurance policy by changing the bank account information of the applicant, and notify the applicant of the processing result;

　　(two) the preservation information submitted to the tax deferred pension insurance information platform;

　　(three) to stop the business operation of the insured’s tax deferred pension insurance policy;

　　(4) Check the basic information of the tax deferred pension insurance policy, the premium information of the tax deferred pension insurance paid and the account value information with the bancassurance company and submit them to the bancassurance industry platform.

　　Nine, after the completion of the policy change, the pilot company shall make a prompt to the insured on the following matters, and obtain the confirmation of the insured:

　　The tax deferred pension insurance policy has been changed into a personal pension tax deferred pension insurance policy, and the insured subsequently pays the premium through the personal pension fund account; The insured needs to check the total amount paid by the individual tax deferred pension insurance policy and the individual pension fund account, and make reasonable arrangements for the subsequent individual pension fund account payment in the remaining time of 2023 according to the annual payment ceiling of 12,000 yuan. The payment beyond the limit cannot be deducted before personal income tax.

　　According to the Announcement of the Ministry of Finance and the State Administration of Taxation on Individual Income Tax Policies for Individual Pensions (Announcement No.34 of the Ministry of Finance and the State Administration of Taxation, 2022), Shanghai, Fujian, Suzhou Industrial Park and other areas that have implemented the pilot project of individual tax deferred old-age insurance will be implemented in accordance with the relevant provisions of the announcement from January 1, 2022, that is, the total expenditure of individuals purchasing individual tax deferred old-age insurance and the payment to individual pension fund accounts can be within the limit of 12,000 yuan per year.

　　Ten, such as the applicant’s application, the pilot company can through the policy approval way, the individual pension tax deferred pension insurance policy for the following treatment:

　　(a) add a one-time collection method to the contract, and the collection amount is the value of the product account at the time of collection;

　　(2) Add a clause in the contract that allows the insured to surrender, but in the case of new surrender, the cash value of the first three policy years shall not be less than 97%, 98% and 99% of the account value.

　　Personal pension tax deferred pension insurance policy surrender and receive related funds should meet the requirements of closed management of personal pension fund accounts.

　　Eleven, in the process of connecting the pilot business of individual tax deferred pension insurance with personal pension, the bank insurance company shall submit relevant information to the tax authorities as required.

　　The pilot company shall submit information to the bancassurance industry platform in accordance with the provisions when carrying out the business related to individual pension tax deferred pension insurance policies. The bancassurance company shall submit relevant information to the personal pension information management service platform in accordance with the regulations.

　　Twelve, the pilot company shall not support the application for policy change put forward by the insured who has begun to receive the pension annuity.

　　Thirteen, for the insured who has started to receive the pension annuity, the pilot company can add a one-time payment method to the tax deferred pension insurance contract through policy approval according to their application, and the amount received is the difference between the personal account value at the end of the accumulation period of the tax deferred pension insurance product and the amount received. When an individual receives it according to the regulations, the pilot company shall withhold and remit the personal income tax payable.

　　Fourteen, since the date of issuance of this notice, the pilot company shall make a three-month announcement through its official website, and take one of three ways in turn, namely telephone, text message and writing, to give tips on the following contents:

　　(a) the time schedule for the pilot company to carry out the pilot business of individual tax deferred pension insurance and personal pension;

　　(two) the requirements and procedures for the policy change and refund of the insured who has not yet entered the stage of receiving the pension annuity;

　　(three) the requirements and procedures for the applicant who has started to receive the pension annuity to apply for a one-time payment;

　　(four) the requirements and procedures for the change of individual pension tax deferred pension insurance policy;

　　(five) the service situation of the tax deferred pension insurance information platform;

　　(6) Requirements for the closed management of individual pension fund accounts;

　　(7) Preferential tax policies for individual pensions;

　　(eight) other matters related to the protection of the rights and interests of the insured.

　　Fifteen, since January 1, 2024, the tax deferred pension insurance information platform stopped providing account management, renewal payment, information inquiry and other services for the insured. After the pilot project of individual tax deferred pension insurance and personal pension are fully completed, the information platform of individual tax deferred pension insurance stops serving. The pilot company shall do a good job in the policy management of the insured who has not joined the individual pension system.

　　16. From now until December 31, 2023, the pilot company shall submit the progress of the connection between the pilot business of individual tax deferred pension insurance and individual pension to Yinbaoxin Company within 5 working days after the end of each month. The bancassurance company shall, within 10 working days after the end of each month, summarize the situation of the pilot companies and submit a report to the General Administration of Financial Supervision.

CCTV News:In addition, in order to alleviate the financial pressure of enterprises, the Shanghai Municipal Science and Technology Commission and the Finance Bureau also guided banks to increase the supply of science and technology credit and innovate science and technology credit products.

This technology enterprise engaged in the research and development of smart factories is also supported by Shanghai’s "Special Action for Helping Enterprises through Science and Technology". During the epidemic period, there was a problem in the capital flow of enterprises. According to the scale of enterprise revenue, Shanghai Science and Technology Commission and Finance Bureau joined forces with financial institutions such as banks, insurance companies and guarantee companies to innovate science and technology credit products, and launched various preferential science and technology credit products such as "science and technology loan", "science and technology performance loan", "little giant credit loan" and "high enterprise loan". This enterprise has applied for a science and technology performance loan and can renew the loan without paying the principal.

Huang Xiaoming, head of an intelligent technology company:The company can’t arrange the capital turnover in time. Under such circumstances, the Shanghai Municipal Science and Technology Commission is also urgent for enterprises, helping us to actively (coordinate) guarantee the company and coordinate the bank, and making an unsecured loan of 4 million yuan for us, which has provided great help for enterprises to resume their work and business smoothly.

In addition, according to the provisions of the "Special Action to Help Enterprises by Science and Technology", the Shanghai Municipal Science and Technology Commission, together with the finance and taxation departments, will speed up the implementation of policies such as 100% additional deduction of R&D expenses for small and medium-sized science and technology enterprises in 2022, income tax relief for high-tech enterprises and technologically advanced service enterprises, value-added tax exemption for technology development and technology transfer, and income tax relief for technology transfer enterprises.

The reporter learned from the Shanghai Science and Technology Commission that at present, the Shanghai Science and Technology Entrepreneurship Center has issued loans of 29.574 billion yuan to 1,849 enterprises through various preferential technology credit products; Another 198 lending enterprises received seamless loan renewal support in the form of non-repayment and extension, amounting to 1.008 billion yuan.