尚义| 徐州| 鄂温克族自治旗| 顺义| 江阴| 武安| 蓟县| 南溪| 叙永| 阳曲| 中阳| 共和| 嘉黎| 大关| 清徐| 普兰| 株洲县| 启东| 抚松| 平阴| 宿迁| 南宁| 庆安| 岚山| 河间| 廉江| 东乡| 彰化| 寿宁| 九江市| 呼伦贝尔| 阜阳| 恩平| 喀喇沁旗| 华容| 永仁| 特克斯| 察哈尔右翼中旗| 井陉| 竹山| 江油| 宿豫| 临洮| 萧县| 章丘| 石城| 道真| 任县| 泰安| 嵩明| 嵩明| 筠连| 汉口| 巴东| 横峰| 朔州| 乌尔禾| 万州| 那坡| 呼玛| 丹巴| 北安| 索县| 乐东| 内乡| 磁县| 邵阳县| 伊宁县| 墨玉| 和林格尔| 景谷| 高安| 扶沟| 巴南| 辽源| 武昌| 大同市| 武都| 宁武| 祁东| 青冈| 原阳| 常州| 白城| 涠洲岛| 名山| 夷陵| 仁寿| 泾阳| 普兰店| 铁岭县| 福山| 封开| 汾阳| 分宜| 苍梧| 北碚| 上虞| 高县| 山阴| 红古| 通州| 永善| 修文| 卢氏| 饶河| 六安| 珲春| 哈巴河| 都兰| 遂昌| 凤台| 十堰| 翁源| 宝应| 金州| 固始| 金湾| 肇源| 岳西| 泌阳| 兴城| 马鞍山| 阳谷| 青海| 盐亭| 江城| 三明| 甘孜| 建始| 江陵| 邗江| 永仁| 贺州| 唐县| 杜集| 麻山| 黄陵| 沙圪堵| 玉龙| 章丘| 鄂托克旗| 平原| 平陆| 环江| 昌吉| 襄汾| 景洪| 八公山| 霍山| 岗巴| 武胜| 藁城| 元江| 利津| 昆明| 新建| 靖江| 易县| 汉阳| 南票| 津南| 木兰| 平谷| 嫩江| 晋州| 澄江| 丹寨| 邵阳县| 石家庄| 河曲| 平南| 元阳| 大同县| 汉寿| 化德| 昭苏| 珊瑚岛| 肃宁| 嘉峪关| 东乡| 南溪| 唐县| 威海| 汉南| 福鼎| 科尔沁左翼后旗| 马关| 永善| 西丰| 康乐| 修水| 平泉| 武邑| 阿拉善左旗| 山亭| 虞城| 巴塘| 临泉| 威县| 汝州| 金沙| 云县| 彝良| 河北| 辽阳县| 梁河| 如东| 桃江| 银川| 白沙| 泰州| 南丰| 南和| 常州| 漠河| 淮南| 肃南| 新平| 阳江| 昌宁| 承德县| 蒙城| 雷山| 丰镇| 曲水| 辽阳市| 和平| 青白江| 赤城| 梁山| 茂港| 鹿寨| 密云| 太谷| 汝城| 金坛| 范县| 华县| 雄县| 泾源| 陆川| 绥阳| 卓资| 任县| 邱县| 陆丰| 神农架林区| 获嘉| 泾源| 灌阳| 永福| 方正| 布拖| 茂名| 澄江| 龙山| 宜春| 开远| 江山| 荔浦| 来凤| 朝阳县|

河南评职称将淡化论文论著 看重岗位实践能力

2019-05-23 08:45 来源:长江网

  河南评职称将淡化论文论著 看重岗位实践能力

  WorkersexaminecarsonaproductionlineatChanganAutomobileinChongqing.[PhotoprovidedtoChinaDaily]Chineseautomobileexecutivesexpectamajorreshufflingoftheirindustryinthenextfiveyears,andsaystrongjointefforakerswhofailtocopewiththemarketsnewtrendsanddemands,accordingtoLiShufu,:thosewhosticktotheout-of-datemindset,thosewhoevolvetofitintocomingchangesandhavetherequiredability,andthenewplayers."Imsurethosewhoinsistontheirtraditionalmindset,withoutthewillingnessorabilitytocopewiththeconstantindustrialchanges,wontfindtheirwayout,",despitethefactthatsignificantopportunitiesexistintheChinesemarket,,upfrom66percentin2013,accord,thepresidentofChanganAutomobile,predictedthat,"Inthenextthreetofiveyears,bankruptcy,merger,acquisitionandrestructuringwillnolongerbenews."Amongthe180automobilecompaniesinChina,57havenosalesvolume,,withgrowinguncertaintiesinvolvingchangingglobalpolicies,shiftingcustomerpreferencesandemergingnewtechnologies,accordingtoZhu."Therewillbeahighpossibilitythat90percentoftheemergingautomakers"willbeeliminated,hecontinued."Iy,theywontalterthebasiclawinthesector."AndyZhou,aShanghai-basedpartnerofDeloitteConsulting,toldChinaDailythatmanytraditionalcarmakersmaynotbemovingquicklyenoughtodevelopemergingnewtechnologiesorcommunicatetheirplanstopotentialcustomers."ManyChinesebrandsfailedtowinoverthecustomerstrustinapplyingnewtechnologies"becausetheyrefocusedonfinancialindicators,orstilljuststrugglingtosurvive."Manytraditionalcarmanufacturersdonthaveaclearideaaboutiteration,sotheyaredevelopingontheirownwithouttransparentcommunicationtothecustomersandmarket,"hecontinued."Itseldomhappensthatacarmakersuddenlymakessignificantachievementsallbyoneself,",ZhuandLiagreedthatthefuturedevelopmentoftheautomobileindustrywillrequirecarmakerstodevelopsynergiesandcooperationamongvariouscompanies.ChengandhisteamperformduringtheweeklongStraitsForuminXiamen,receivedfromteachersinthestudentaffairsoffice."Ishoutedatthem:WhydoyoutreatmelikethisIalsogetbulliedbyothers,"edhimtightly,askinghim:"tyoufeelourloveandtolerance""Herwordswereaturningpointinmylife,whichmademedeterminedtochangemyself,"hesaid."Later,,IfeltasifIhadtwolegsthatcouldmovefreelyandfast."Chengstartedlearningwheelchairdanceandwheelchairsports,includingbasketballandbadminton."AtfirstIwasunwillingtopracticedancingbecauseIthoughtitagirlishthing,"hesaid.""Throughdancing,Chengfoundhisconfidenceandself-esteem."Onceanoldwomanintheaudiencetoldmethatmyperformancecouldtouchalotpeople,"hesaid."Igraduallyrealizedthatwheelchairdanceisnotjustaperformance,butawaytoinspireothers."Chenglaterimprovedonthetraditionalformofwheelchairdancing,whichwaspassive,andaddedmoredancingstyles,suchaship-hop,andgesturestohisperformance.

AmanstandsatEmersonsnewMeasurementTechnologyCenterinBeijing,whichopenedlastNovembertoserveitsautomationsolutionsbusinessinChinaandacrossAsia.[Photo/ChinaNewsService]EditorsNote:Thisyearmarksthe40thanniversaryofChinaaniesfortheirviewsonthecountrystothegrowthofChinasenergyindustryPleaseusethreewordstodescribeChina,formandopening-uppolicy40yearsagoThe40yearsofreformandopening-uphavemadeChinamoremodern,moreinternationalizedandmoredeveloped,ssecond-largesteconomyanditsimageasoneoftheworldaandfortheChinesepeople,qualitydevelopment,fromatraditionallow-costlabormanufacturingcountrytoamoreinnovation-based,talent-oriented,sthebiggestchallengeChinafacestodayandhowcanthecountryovercomeitNowthatChinahasenteredaphaseofslowergrowth,oneofthemainchallengeswillbetomaintainitssuccessfultransitiontoaconsumer-oriented,,includingthe13thFive-YearPlan(2016-20),,thegovernmentsdevelopmentstrategytoincreaseregionaltradeandencouragebroaderglobaleconomiccooperation,iscreatingenormousbusinessopportunitiesthroughoutAsia,nologyinnovation,infrastructure,education,finance,senvironmentalanddevelopmentchallenges,Emersonisworkingwithindustryandgovernmentagenciestopromotetheefficientuseofenergy,includingimprovedenergyefficiencystandards,developingtechnologiesandsolutionstoboostcleanerenergyproduction,late1970s,Emersonwasoneofsixglobalcompaniesinvited,Emersonwastheonlycompanythatwaswillingtoenteralicensingdealtosupplytec,wearecommittedt,000employfter40yearsofreformandopening-up,Chineseenterpriseshaveundergonetransformationsintermsofsize,structure,ness,,wecompletedastrategicportfoliorealignmentprogram,whichenablesustofocusonourtwocorebusinesses-automationsolutions,andcommercialandresidentialsolutions-tobuildonourstrengthsandleadership,tinuousresearchanddevelopmentandinnovation,andasroleintheworldtodayOverthepast40years,Chinahastransformedfromanundevelopednationtoar,ChinasnatssustainedeconomicgrowthhastranslatedintoincreasingvisibilityontheworldstageandPrsdevelopmentoverthisperiodhasnotonlymadeitapowerfulengineofworldeconomicgrowth,butalsocontributedtotherecover,Chinaactivelypromotesthelinkingofdevelopmentstrategiesofallnationsacrosstheregionandbeyond,anditishelpingtoboostlocalemploymentande,itisalsoimportanttoenforceintellectualpropertyrightsande,intellectualpropertyrightsp,wearealsointerestedinChinasreformanddevelopmentactivitiesinkeyareassuchasconservationofenergy,reductionofcarbonemissions,improvementofairquality,sustainablefoodwastemanagement,sexperiencesandpracticesbeusedtosolveglobalproblemsThegovernments13thFive-YearPlanlaysdownthestrategyandpathwayforChina,urbanizationandsocialwelfare,environmentalprotectionandtalentdevelo,Chinahassetitsownambitiousdevelopmentgoals,governmentistakingconcertedactionstsnewgreenp,wefeelthatifanenterprisecanwininChina,,Chinaisoneofourmostimportantmarketsandmanyofourkeyproductsare,,,withitsnewterminal,,Ihavewitnessedthespeedofthenationstransformation,,whatprogressinotherfieldshaveyouwitnessedinChinainthepast40yearsOneexamplethathasbeenextremelyimpressiveisChina,dams,,thelengthofChinashighwaysandhigh-speedrailmileagearerankedNo1intheworldandthenationalhigh-speedrailway,whichdidnotexist10yearsago,isnowmoreextensivethantheEuropeanUnionstransportationisindeedthespeedofChina!VisitorstakephotographsofaTeslaelectriccaratarecentautomobileexhibitionheldinBeijing.[PhotobyLongWei/ForChinaDaily]SANFRANCISCO-TeslaChiefExecutiveOfficer(CEO)ElonMusksaidTuesdaythathiscompanyisgoi,Musksaidthatthecompanyisconductingacomprehensive,across-the-boardorganizationalrestructuring."Teslahasgrownandevolvedrapidlyoverthepastseveralyears,whichhasresultedinsomeduplicationofrolesandsomejobfunctionsthat,whiletheymadesenseinthepast,aredifficulttojustifytoday,"hesaid."Aspartofthiseffortandtheneedtocutcostsandbecomeprofitable,wehavemadethedifficultdecisiontoletgoofapproximately9%ofourcolleaguesacrossthecompany,"cttheproductionworkersassemblingthecompanysvehicles."ThiswillnotaffectourabilitytoreachModel3productiontargetsinthecomingmonths,"helpitcommunicatebetter,t,andwouldfocusinsteadonsellingitssolarproductsthroughitsownstoresandwebsite,hesaid."ThemajorityofTeslaemployeesworkingatHomeDepotwillbeofferedtheopportunitytomoveovertoTeslaretaillocations,",500employeesattheendof2017,

  ApicturetakenonFeb6,2018showsapersonholdingavisualrepresentationofthedigitalcryptocurrencyBitcoin,atthe"BitcoinChange"shopintheIsraelicityofTelAviv.[Photo/VCG]Likeme,mypeerswhoattendeduniversityaround2010fondlyrememberRenren,,ifyouwereastudentinChinabutnotonRenren,youdidn..well,WeChat-shallwesay-stoleRenren,Renren,unfazedbyWeChatsdominance,,itiss,sharesofRenrensurged76percentto$,,inSeptember2017,ChinahadbannedinitialcoinofferingsorICOs,whichmeantanyICO-relatedactivity,eventhatwhichwasmaskedas"PE",,ithasbecomefashionabletopepperbusinessdiscussionsandmediareleaseswith"blockchain".Theotherday,Iheardsomeonesayingblockchaincanbeusedtosetupachickenfarm!There:"Decentralizationcloud-computingblockchainnetworkwithhighperformanceanddevelopmentstructure";and,"usingtraceabilitynatureofblockchaintoverifyartpiece".Somehow,laypersons,andgullible,recklessorgreedyinvestors,havecometoasssemboldeningfraudsterstobaitsuchunsuspectingpeoplewithso-calledblockchainprojects,whichareessentiallyPonzischemesbearingadifferentlabel."ItsaninsultforPonziifyousayICOislikePonzi,"saidZhuXiaohu,aseasonedinvestorwhohadboughtintoOfoandDidiinthepast."Apartfromcybercurrency,whatelsecanblockchaindoNinety-ninepercentoftheICOprojectsareabsolutefrauds."Yet,itisbelievedthatsomefundraisingactivitiesinthePEgarbarebeinglaunchedoverseasbysomeChinesecompanies,evitableAsDeloittereportedlatelastyear,92percentofso-calledblockchain-basedprojectshav,whoshallremainanonymoushere,bestsumsupthesituation.",,butallyouevergetisnothingbutaquietandnormallife."Just36days!scapitalmarkethaveIseenanyIPOapplicationreceivingtheregulator,whatsgoingonTheShenzhen-basedinternetandelectronicsmanufacturerisseekingtoraise$,,particularlyfirmsthatlabelthemselvesastechunicorns,inneedoffinanceandsearchingforbackersareagogwithexcitement,andkeentoknowhowFoxconndidit.(ThetermunicornwascoinedbyAmericanventurecapitalistAileenLeetodescribeastartupvaluedat$1billionormore.)EvenunlistedsmallslaudingtheC,lengthyreviewandapprovalprocedure,themarketsituationmayhavec,thequickapprovalforFoxconncomesasabreathoffreshair,andappearstobeinlinewiththeneedsofatransitioningbigeconomythatissereateraccessandeasiermeanstofundssotheycouldenhancetheirR&,theFoxconncaseappearstohaveraisedafewquestionsamongsomemarketpeople,aftertheregula$1billionvaluationisamajorrequirementforaquickIPOapproval,willthisleadtovaluationfraudWouldtheregulatorbeabletopreventsuchfraudsIsitfairtoaccordspecialtreatmenttoonlysomeIPOapplicantsliketechsuperstarsShouldnttherebeunifiedstandardsforspeedyapprovalIsthegreenpasslegalinthefirstplaceThecountryslawmakersarestillreviewingtheamendmentthat,rulesconsistent,themarkethealthyandefficient,sothattrulyvaluablestartupscouldflourish.

  AllanGabor,managingdirectorofperformancematerialsofMerckChina.[Photo/VCG]EditorsNote:Thisyearmarksthe40thanniversaryofChinaaniesfortheirviewsonthecountry:IthastakenChinajust40yearstobecometheworld,,:Chinawouldno,ChinasentryintotheInternationalCouncilforHarmonizationwillgreatlyimprovei:formandopening-upprGree,theyhavenotjustgrowninsize,,Ivealsoseensignificantimprovementsinpeopleshealth,,,thecountryhassetupmedicinepilotzonesinBoao,Hainanprovince,,whatprogressinotherfieldshaveyouwitnessedinChinain,theyarereallylookingtoexpressthemselvesnset:ChinasFive-YearPlanmechanismhasprovedsuccessful,,,thefasttakeoffine-commercecouldfacilitatetradeinremoteareasandthereasthebiggestchallenge,themortalityratefromchronicdiseasesisstillhigh,suressuchasopeningoursecond-largestdrugplantinNantong,Jiangsuprovince,whichproducespharmaceuticalsonthecountry,agetoprovidemoreinnovativeandhigh-qualitymedicineandhealthcareproductsthatimprovepeople,wehavedrugshelpingdiabetes,,wesupportthedevelopmentoforganiclight-emittingdiodetechnologytohelpflatpaneldi,wehelpourcustomersinC,wedontjustbenefitfromChina,,wehaveteamedupwithomesticcompaniesaremovingupinmanygoodways,,sspartners,asisexemplifiedinasroleintheworldtodayTraditionally,-politically,:WenowleveragetalentedpeopleinChinatocontributetoourglobalstrategies,,PresidentXiJinpingintroducedahostofpowerfulmeasurestofurtheropentheworldandresponsibilitiesflowdownthroughdiffe,mpressedbyhowthenationmajorincidentslikethebattleagainstsev,vibrant,innovativeandinclusive.LiHongpeng(left),NDSDpresident,andMaoJingbo,presidentofLincolnChinaandAsiaPacific.[PhotoprovidedChinaDaily]BeforejoiningFord,LiservedasaseniorexecutiveofMercedes-BenzsbusinessinChinaandhelpedtheGermanbran,currentlyaseniorexecutiveofChanganFordssalescompany,hasmorethan20yearsofexperienceinsalesandcustomerrelations."ThisappointmentandtheestablishmentofthedivisionfurtherdemonstratesourstrongcommitmenttoChina,andtoourpartnership,byofferingtestedtalenttoleadasimplified,improvedandconsistentapproachtoourFordbrandandcustomersinthiscriticalmarket,",,Fordsold207,139cars,hitthemarketlaterthisyear.","saidNigelHarris,presidentofChanganFord,"Withinthreeyears,75percentofFordmodelsintheshowroomswillbenew."FordsluxuryarmLincolnwillkeepin,Lincolnhasbeenlocalizingitsmanagementteam,withMaoJingbonamedonThursdaypresidentofthebrandsbusinessinChinaandAsiaPacificregion,,MaoworkedasaseniorexecutiveofMercedes-BenzsoperationsinChina,responsibleforitsAMG,smart,,710carsfromJanuarytoMarch,enjoying10percentgrowthyear-on-year.

ASpaceXFalcon9rocketcarryingNASAsGRACEFollow-OnEarth-observationsatellitesandfiveIridiumNextcommunicationssatellitesstandsatopSpaceLaunchComplex4EatVandenbergAirForceBaseinCaliforniaonMay21,2018.[Photo/NASA]Imnotaspaceperson,,ifyouweretoaskmewhatsthedifferencebetweenageostationarysatelliteandageosynchronoussatellite,andwhichofthetwomightyieldhigherreturnsoninvestment,Imighteitherignoreyoulikeap,spacetravel,whichforyearshasbeenaprivilegeextendedtoonlyafewsuperfitpilots,isexpec,asabusinessjournalistwhosebeatsareaviationandaerospace,Icantignorespaceanymore,givenprivatefirms,"spaceeconomy"sandspaceunicorns(thatis,startupsspecializinginspacethatarevaluedat$1billionormore).Forexample,GoogleInca,privateinvestorsinvested$,accordingtoareportfrominvestmentfirmSpaceAngels,andarecordnumberof120venturecapitalfirmsmadeinvestmentsinspaceventureslastyear,,ifyouarewillingtopartwith$250,000orupto$800,000withoutbattinganeyelid,,Bark()oftheUnitedKingdom,willhelparrangespacefl,however,untilthefirstspacehotel,AuroraStation,,,,,thelattersnumberisexpectedtorisesteadily,,,theywillwitness16sunrisesandsunsetsonaverageeveryday!Spacetravelandspace-relatedinvestmentscouldwellbewhattheinterneteconomyandartificialintelligencearetoday-theappleoftheinvestorseye,apotentialgoldmine,,costsaredown,soentrybarriersarelower,too,encouragingmoreandmorecussatelliteforthatperfectoverview.

  AnemployeeattachespaperworktothewindshieldofavehicleinthegeneralassemblyshopattheSAIC-GM-WulingAutomobileCoBaojunplant,ajointventurebetweenSAICMotorCorp,GeneralMotorsCoandLiuzhouWulingAutomobileIndustryCo,inLiuzhou,Guangxiprovince,May23,2018.[Photo/VCG]SHANGHAI-UScarmakerGeneralMotorshasinauguratedabatteryassemblyplantinShanghaithatwillsupportthecompany,operatedbySAIC-GMjointventure,isthesecondGMbatteryassemblyplant."WewillcontinuetogrowourelectricvehicleportfolioinChinawithdiversesolutionsthatencompassvariouselectricrangesandbodystyles,"MattTsien,presidentofGMChina,,en2016and2020,andthenumberofnewenergyvehicleswouldbedoubledby2023,asChinawasplaying"anessentialrole"evyingforshareinChina,,accountingformorethanhalfoftheworld,seekingatimetablefortheeliminationofvehiclesusinggasolineanddiesel.

  Aself-drivingtruckondisplayduringanindustryexpoheldinTianjin.[PhotobyJiaChenglong/ForChinaDaily]AutonomoustruckingiscomingfasterthanexpectedinChinaasChinesedriverlesstruckstartupFabuTechnologysaidonTuesdaythatitsdriverlesstruckshadalreadytakenpartinopenroadtestsanditplanstoachieveintercitycargotransportationthisyear,whichisexpectedtoreshaperadicallythenationsfreighttransportationmarket."Ourself-drivingtruckisexpectedtoachieveinter-citycargotransportationthisyear,within-cityfreightdeliveryby2019andinter-provincedeliveryby2020,"saidHeXiaofei,founderandCEOofFabu,whowasalsoformerseniordeputypresidensself-drivingtruckisabletorunautomaticallyonroads24hoursadayan,ChinaslargestUber-likefreightserviceprovider,isjumpingonthebandwagontodevelopautomationtechnolo,Chinahasbecometheworldsbiggestroadtransportationmarketandthenation,HeleftDidiandfoundedthecompanyinJulylastyearandhasraisedanundisclosedsumofmoneyfromSinovationVentures,aleadingearlystageventurecapitalfirm."Comparedwithdriverlesspassengervehicles,commercialvehiclesincludingunmannedtrucksfollowafixedroute,forexample,fromonewarehousetoanother,andruninarelativelysimpleroadcondition,"saidHe,addingthatitsalsooneofthereasonswhycommercia,hesaidthatdevelopingdriverlesstrucksfacesanumberofobstaclesincludingstabilityandmaneuverability,,CaoYu,co-founderofFabu,saidthatthecompanywilldevelopindependentlydedicatedchipsandwillintegratealgorithmwithchipstoimprovethereactionspeedandpowerconsumption."Whilet,respectively,,whichisevenfasterthanthatofF1racingdrivers,"headded.AnemployeeattachespaperworktothewindshieldofavehicleinthegeneralassemblyshopattheSAIC-GM-WulingAutomobileCoBaojunplant,ajointventurebetweenSAICMotorCorp,GeneralMotorsCoandLiuzhouWulingAutomobileIndustryCo,inLiuzhou,Guangxiprovince,May23,2018.[Photo/VCG]CHICAGO-WorldsleadingautomakerGeneralMotorsCo.(GM)willintroduce20newelectrifiedvehiclesintoChinesemarketby2023,sontopofthe10electrifiedvehiclesGManditsChinesejointventureshavealreadyplannedfor2016through2020,asdentroduce10newenergymodels,after2020,GMwillaccelerateitseffortstohelpfurtherelectrifytheworldspartofGMspushtomeetincreasinglystricterlow-emissionvehicleproductionquotastakingeffectinChinanextyear."Chinaplaysanessentialroleintheworldsdrivetowardsazero-emissionsfuture,"selectricline-upinChinaalreadyincludetheCadillacCT6plug-in,theBuickVelite5hybridextended-rangeelectricvehicle,sBuickbranddebutedtheVelite6plug-iniclewillcome"atalaterdate,"theautomakersaid.

  VisitorscheckoutaBytonelectricconceptvehicleattheBeijingInternationalAutomotiveExhibitioninBeijingonApril26.[PhotoprovidedtoChinaDaily]InvestmenttobefunnelledintoBytonsflexiblevehiclemanufacturingplatformThankstoarecent$500millionBroundoffundraising,automobilestartupBytonwillaccelerateitsproduction,andresearchanddevelopmentofChina,CEOandco-founderofByton,saidthecompanywas"veryhappy"toattractsuchnamesinthefundraising,andthatFAWGroupcontributedmorethanhalfofthetotalamount."Themajlizeourproduct,"sflexiblemanufacturingplatformwillbecapableofproducingatleastthreeproducts,includingitsfirstSUV,asedanandamulti-purposevehicle,sfirstthreemassproducedcarsrolledofftheassemblylineonMondayatitsNanjing,Jiangsuprovince,manufacturingbase,,afullyelectricSUV,willfeaturea49-inch(124centimeters)curvedscreendashboard,gestureandvoicecontrol,,whichismainlyusedonhighways,andwilllaterbeupgradedtolevel-four,knownasminds-offautomation,amongChinesecustomers,accordingtoAndyZhou,aShanghai-basedpartnerofDeloitteConsulting."Chineseconsumersarepinningtheirhighesthopesonnewautonomousdrivingvehiclecompanies,withtheirtrustbasedontheirtechnologiestfortraditionalcarmakers,",LiShufu,chairmanofZhejiangGeelyHoldingGroupCoLtd,saidlastweekattheGlobalAutomotiveForuminChongqingthatanewlyestablishedautomobilecompanymightneedhundredsofbillionofyuaninconst,,000unitsforthefirstfivemonthsoftheyear,,,theassociation,

  ChengandhisteamperformduringtheweeklongStraitsForuminXiamen,receivedfromteachersinthestudentaffairsoffice."Ishoutedatthem:WhydoyoutreatmelikethisIalsogetbulliedbyothers,"edhimtightly,askinghim:"tyoufeelourloveandtolerance""Herwordswereaturningpointinmylife,whichmademedeterminedtochangemyself,"hesaid."Later,,IfeltasifIhadtwolegsthatcouldmovefreelyandfast."Chengstartedlearningwheelchairdanceandwheelchairsports,includingbasketballandbadminton."AtfirstIwasunwillingtopracticedancingbecauseIthoughtitagirlishthing,"hesaid.""Throughdancing,Chengfoundhisconfidenceandself-esteem."Onceanoldwomanintheaudiencetoldmethatmyperformancecouldtouchalotpeople,"hesaid."Igraduallyrealizedthatwheelchairdanceisnotjustaperformance,butawaytoinspireothers."Chenglaterimprovedonthetraditionalformofwheelchairdancing,whichwaspassive,andaddedmoredancingstyles,suchaship-hop,andgesturestohisperformance.ArobotplaysamusicalinstrumentatanationalrobotschampionshipcontestheldattheHarbinInstituteofTechnologyinJuly2014.[Photo/IC]WUHAN-Morethan5,000contestantsfromaroundtheworldwillassembleatthe2018WorldRobotContestFinalsnextmonthinWuhan,capitalofcentralChinasHubeiprovince,evelopmentzoneofWuhan,scontestsincludeabrain-computerinterface(BCI)controlledcontest,aCoexisting-Cooperative-Cognitive(Tri-Co)contest,anindustrialskillscontest,,secretary-generalofthecontest,thisyearscompetitionwillhavesever,thecontestsareanintegralpartoftheWorldRobotConference,sconferencewillbeheldinAugustinBeijing.

  [Photo/VCG]ChinesesmartphonevendorVivoistestingthelimitsoftechnologywithitslatestmodelNex,whichfeaturesabezel-lessdesign,,releasedinShanghaionTuesdaynight,isVivoslatesteffortto,,theVivoNexdoesnothaveanotchontopofitsdisplay,afeaturefirstu,,seniorvicepresidentofVivo,saidthecompanyisrampingupitsresearchanddevelopmentcapabilities,withastringofartificialintelligencelabsandRDcentersbuiltinChinaandoverseas."Nexistheresultofourconsistenteffortstomakesmartphonesthatcanreallystandoutinthefiercemarket,",988yuan($780)inChina,Nexisequippedwithanextendiblefrontcamera,retractsautomaticall,Vivosaidthecamera,whichcomeswithan8-megapixelsensor,canberaisedandloweredmorethan50,,,thepremiumversionofNexistheQualcommSnapdragon845processor,,researchdirectoratmarketresearchcompanyCounterpoint,saidVivoisputtingresourcesintotechnologiesthatconsumerscaneasilyrelatetoandappreciate."Thepublicdonotnecessarilyunderstandhow3Dcamerascanempowertheirphones,sattitudetowardinnovationisverydown-to-earth,",,,,datafromCounterpointshow.

  ChengandhisteamperformduringtheweeklongStraitsForuminXiamen,receivedfromteachersinthestudentaffairsoffice."Ishoutedatthem:WhydoyoutreatmelikethisIalsogetbulliedbyothers,"edhimtightly,askinghim:"tyoufeelourloveandtolerance""Herwordswereaturningpointinmylife,whichmademedeterminedtochangemyself,"hesaid."Later,,IfeltasifIhadtwolegsthatcouldmovefreelyandfast."Chengstartedlearningwheelchairdanceandwheelchairsports,includingbasketballandbadminton."AtfirstIwasunwillingtopracticedancingbecauseIthoughtitagirlishthing,"hesaid.""Throughdancing,Chengfoundhisconfidenceandself-esteem."Onceanoldwomanintheaudiencetoldmethatmyperformancecouldtouchalotpeople,"hesaid."Igraduallyrealizedthatwheelchairdanceisnotjustaperformance,butawaytoinspireothers."Chenglaterimprovedonthetraditionalformofwheelchairdancing,whichwaspassive,andaddedmoredancingstyles,suchaship-hop,andgesturestohisperformance.

  Alongworkwe,,theotherday,,yousplace,,allthehotpotrawmaterials,includinglambandbeef,ingredients,condiments,andeventhepot,(850yuanor$130),"extremelywise".In,noonecouldhaveima,,Chineseconsuitpossibleforconsu,canbuycherries,,peoplebornafter1990and2000accouainconsumergroupofinternet-basedfreshfoodsuppliers,accordingtoareportco-releasedbyCBNData,aShanghai-basedmarketdataanalyticsprovider,andTmall,Alibabasonlinemarketplacefeaturingwell-knownbrands."Theseyoungpeopine,"saidLiXiang,generationwhodon,organicfoodmadewithagriprod,avarietyoffishfullofnutrition,,,tastymoderatelunches/,with,Icantwaittoseemoreinnovativewaysofeatingfoodinthefuture.ASpaceXFalcon9rocketcarryingNASAsGRACEFollow-OnEarth-observationsatellitesandfiveIridiumNextcommunicationssatellitesstandsatopSpaceLaunchComplex4EatVandenbergAirForceBaseinCaliforniaonMay21,2018.[Photo/NASA]Imnotaspaceperson,,ifyouweretoaskmewhatsthedifferencebetweenageostationarysatelliteandageosynchronoussatellite,andwhichofthetwomightyieldhigherreturnsoninvestment,Imighteitherignoreyoulikeap,spacetravel,whichforyearshasbeenaprivilegeextendedtoonlyafewsuperfitpilots,isexpec,asabusinessjournalistwhosebeatsareaviationandaerospace,Icantignorespaceanymore,givenprivatefirms,"spaceeconomy"sandspaceunicorns(thatis,startupsspecializinginspacethatarevaluedat$1billionormore).Forexample,GoogleInca,privateinvestorsinvested$,accordingtoareportfrominvestmentfirmSpaceAngels,andarecordnumberof120venturecapitalfirmsmadeinvestmentsinspaceventureslastyear,,ifyouarewillingtopartwith$250,000orupto$800,000withoutbattinganeyelid,,Bark()oftheUnitedKingdom,willhelparrangespacefl,however,untilthefirstspacehotel,AuroraStation,,,,,thelattersnumberisexpectedtorisesteadily,,,theywillwitness16sunrisesandsunsetsonaverageeveryday!Spacetravelandspace-relatedinvestmentscouldwellbewhattheinterneteconomyandartificialintelligencearetoday-theappleoftheinvestorseye,apotentialgoldmine,,costsaredown,soentrybarriersarelower,too,encouragingmoreandmorecussatelliteforthatperfectoverview.

  

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畸形现金贷埋了多少坑?部分业务利率过高面临严厉监管

2019-05-23 08:02 | 人民日报 | 手机看国搜 | 打印 | 收藏 |评论 | 扫描到手机
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核心提示:利率极高、暴力催收、平台坏账率极高……有关现金贷风险的报道频现报端。近日,记者从广州互联网金融协会了解到,协会在清理整顿106家会员单位(其中网贷平台35家)现金贷业务时发现,有两家平台与现金贷机构合作,其现金贷业务规模分别约500万元、1000多万元。

人民视觉

利率极高、暴力催收、平台坏账率极高……有关现金贷风险的报道频现报端。近日,记者从广州互联网金融协会了解到,协会在清理整顿106家会员单位(其中网贷平台35家)现金贷业务时发现,有两家平台与现金贷机构合作,其现金贷业务规模分别约500万元、1000多万元。

除此之外,记者在采访中发现,至少还有3家在广州注册的公司涉及现金贷业务。此外,大量外地注册平台及小额贷款公司等涉足现金贷,这些构成了广州现金贷业务的主体。

畸形的现金贷业务满天飞,但真查起来,隐匿于互联网上的现金贷却四处“躲猫猫”,这次协会首次对现金贷业务进行摸排,揭开了全国现金贷业务的冰山一角。

以现金贷之名,行高利贷之实

现金贷,就是小额现金贷款业务的简称,目前业内对于现金贷没有明确定义,一般泛指具备无抵押、无担保、无场景、无指定用途,借款与还款方式灵活,可快速到账等特点的小额信用贷款。从2015年开始,现金贷平台在我国遍地开花,发展却参差不齐。

刚参加工作不久的小张,月底钱包紧张,在浏览网页时看到现金贷广告,毫不犹豫地点击进入,申请5000元借款,借款周期15天,月息4%,但到账金额却只有4800元(200元以砍头息的形式被借款平台扣除),还款金额5300元。

借5000元半个月,300元的利息看似不高,可以应付。但是借款周期换成一年,还款利息就要2400元,实际借款利息高达54%。

“畸形现金贷最突出的表现是利率畸高。”广州市政协委员、广州互联网金融协会会长方颂介绍,现金贷的初衷是帮助难以享受到金融服务的部分群体解决临时急用的资金需求,但变相成高利贷后,有违初衷。

从媒体报道和协会掌握的情况来看,畸形现金贷平均利率为158%,最高的发薪贷利率高达598%,实质是以现金贷之名行高利贷之实,严重影响市场经济秩序。

“消费者要特别注意计息方式,对于现金贷常用的日息、月息的计息方式,要注意换算成年化借款利率,看看是否超过36%。”方颂介绍说,法律规定,年化利率超过36%部分的利息约定无效。

但是,一些不合规平台却变着花招来提高借款人利率,比如,小张遭遇的砍头息,就是在给借款人放款时,从借贷本金中先行扣除利息、手续费、管理费、保证金等金额。

“若发现这种现象,借款人要注意,借款本金应以你实际收到的借款金额计算。”方颂提醒道,签订借款协议前,要看清合同条款,不要掉入高利贷、砍头息圈套。

利滚利计息,平台无视贷前风控

在银监会下发的现金贷排查名单中,共列出了429个APP、72个微信公号、117个网站开展现金贷业务。据估算,目前整个现金贷行业的规模在6000亿到10000亿元。

据广州互联网金融协会了解,现金贷行业坏账率极高,普遍在20%以上。不少现金贷平台的风控基本为零。

“在坏账率极高的情况下,平台往往通过不合理的高利率覆盖高坏账率,导致平台无视贷前风控,随意放贷。”方颂介绍,部分平台大力招聘线下人员,盲目扩张,且放款随意,部分平台借款人只需要输入简单信息和提供部分授权即可借款。

此外,一些平台常采取利滚利计息方式让借款人陷入负债危机。一旦借款人逾期,平台将收取高额罚金,同时采取电话“轰炸”其亲朋好友或暴力催收等手段。当部分借款人在一个平台上的借款无法清偿时,只能被迫转向其他平台借新还旧,使得借款人负债成倍增长。

“这不仅加重了借款人负担,还产生非法催收和暴力催收问题,和普惠金融的目标背道而驰。”方颂表示,尽管本次只排查出广州少数几家平台涉及现金贷业务,但是并不表明广州的现金贷问题可以等闲视之,因为还存在大量的区域外注册平台和小额贷款公司在广州开展现金贷业务,虽然这些不在协会本次摸排之列,但他们暴露的问题值得各界高度警惕。

现金贷业务迎来严厉监管

由于缺乏监管,现金贷行业利率过高、野蛮催收、滥用个人信息等问题层出不穷。4月10日,银监会下发了《关于银行业风险防控工作的指导意见》,明确提到做好现金贷业务活动的清理整顿工作。

对此广东银监局表示,广东将进一步规范相应机构依法合规开展业务,确保出借人资金来源合法,禁止欺诈、虚假宣传;严格执行关于民间借贷利率的有关规定,杜绝违法高利放贷及暴力催收等不良现象。

针对广州互联网金融协会查出来的两家平台,虽然涉及现金贷规模不算大,但协会已通过窗口指导提示风险,指引其规范开展业务。其中一家会员与现金贷机构合作,现金贷业务规模约500万元,目前该平台已对存量业务进行处理,逐步缩减规模,存量业务预计将在6月底清理完;而另一家涉及现金贷平台业务规模约1000多万元,主要面向外地开展现金贷业务,目前也在收缩规模。

据了解,协会将加强对现金贷业务的数据及舆情监测,无论是本地还是外地平台,若发现涉嫌恶意欺诈、虚假宣传、暴力催收等违法违规行为,协会将及时通报互联网金融专项整治小组和有关管理部门。

“欢迎广大市民通过广州互联网金融协会官网的举报平台对现金贷违法行为进行举报。” 方颂说。

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