Xinhua News Agency, Beijing, January 1st　Special feature: 2022, Analysis of the "change" of the global market trend

　　Xinhua news agency reporter

　　Looking back on 2021, the world economy gradually recovered from the impact of the new epidemic. Under the background that developed economies generally maintained loose monetary policies and many countries continuously introduced economic stimulus plans, the market liquidity was abundant, investors’ risk appetite was enhanced, and the prices of major assets in the international market mostly rose but fluctuated obviously.

　　Looking forward to 2022, the epidemic situation in COVID-19 may still fluctuate repeatedly, and the prospect of world economic recovery is facing great uncertainty. The epidemic situation, inflation trend, fiscal and monetary policy trend and geopolitical situation are the key variables affecting the asset prices in the international market. With the increase of market variables, the risk increases. How to arrange assets to preserve and increase their value and test the wisdom of investors.

　　Will the dollar rise again?

　　In 2021, the expected warming of the US Federal Reserve’s tightening monetary policy, the rapid recovery of the US economy, and the repeated innovations in the stock market all worked together to push the US dollar exchange rate upward. On December 31st, the US dollar index, which measures the US dollar against six major currencies, closed at 95.5916 points, up 6.2% compared with the end of 2020.

　　At present, the "hawkish" stance of the Federal Reserve has become clearer, and the uncertainty faced by global economic growth has increased under repeated epidemics. Market research institutions believe that there is still room for the US dollar exchange rate to rise in 2022 under the resonance of many factors such as the weakening of the world economic recovery and the differentiation of monetary policies in major developed economies.

　　On December 7, 2021, people were shopping in a supermarket in new york, USA. (Xinhua News Agency reporter Wang Yingshe)

　　Wells Fargo Securities Co., Ltd. issued a report saying that in view of the fact that the pace of tightening monetary policy in the United States is expected to be faster than that in most other developed economies, the agency has raised its expectation of dollar appreciation in 2022 and 2023. The Global Research Department of Bank of America predicts that the US benchmark interest rate will reach 2.5% by the beginning of 2024, while the interest rates of low-risk currencies such as euro, Japanese yen and Swiss franc are still difficult to normalize, which will support the strengthening of the US dollar.

　　Georgieva, managing director of the International Monetary Fund, said recently that the IMF is considering lowering its forecast for world economic growth in 2022 due to the global spread of the mutant Omicron strain in Covid-19. Analysts believe that the slowdown in world economic growth will reduce investment opportunities, weaken market risk appetite, and highlight the safe-haven currency attribute of the US dollar.

　　Experts pointed out that the further appreciation of the US dollar has a negative impact on global asset prices and the global economy, especially the recovery of emerging market economies.

　　Can the price of gold heat up

　　In 2021, under the background of repeated global epidemics and loose monetary policy, gold as an investment haven was not as popular as expected. On December 31st, the main contract of the New York Mercantile Exchange gold futures closed at $1,828.6 per ounce, down about 3.5% from the end of 2020.

　　For the future trend of gold prices, there are obvious differences in market views. Factors such as global monetary policy, inflation level, recovery trajectory and epidemic development will determine the trend of gold price, but these restrictive factors affect each other and have large variables, which may aggravate the fluctuation of gold price.

　　ANZ predicts that with the withdrawal of major economies from monetary easing and economic stimulus plans, the price of gold will lose some support in 2022, and the trend will be strong first and then weak, with an annual average price of around $1,725 per ounce.

　　On September 1, 2021, at Chow Tai Fook Store in Causeway Bay, Hong Kong, the clerk introduced the "Inheritance" series of gold ornaments to the guests. (Photo by Xinhua News Agency reporter Wu Xiaochu)

　　Ivy Hambro, an executive of BlackRock, an asset management giant, believes that inflation will run through 2022. If the trend exceeds expectations, the real interest rate after the interest rate hike will not increase significantly, and may even decrease, thus further highlighting the investment value of gold.

　　The World Gold Council predicts that the gold market will remain volatile in 2022 due to the combined effects of global monetary policy and inflation trend, and periodic fluctuations may occur frequently.

　　Which stock market is better?

　　Thanks to the recovery of the world economy, the improvement of corporate profits and abundant liquidity, most of the major global stock markets rose in 2021.

　　With the support of loose monetary policy and unprecedented fiscal stimulus measures, European and American stock markets performed relatively strongly in 2021, among which the Standard & Poor’s 500 Index, Dow Jones Industrial Average and Nasdaq Composite Index in new york rose by 26.89%, 18.73% and 21.39% respectively. The Financial Times average price index of 100 stocks in London stock market rose by 14.3% for the whole year. The Nikkei stock index rose 4.9% for the whole year.

　　Under the influence of the Fed’s expectation of tightening monetary policy, some emerging market economies are facing the pressure of capital outflow, and the stock market is dragged down. In 2021, the bovis Pa Index in Sao Paulo, Brazil, fell by 11.93%, ending the upward trend for six consecutive years since 2015.

　　How will the global stock market evolve in 2022? Analysts believe that countries have different recovery paths, different policy spaces and different stock market trends. Tightening monetary environment and repeated epidemics are the main risks faced by global stock markets. Geopolitical factors such as mid-term elections in the US Congress and general elections in Brazil will also have an impact on the stock market trend.

　　Larry benedikt, the founder of the market research organization Speculator Company, predicts that the major stock indexes of the US stock market may decline to varying degrees in 2022.

　　On May 12th, 2021, a trader worked in new york Stock Exchange. (Xinhua News Agency, courtesy of NYSE)

　　The German Business Daily believes that the share prices of German listed companies were undervalued in 2021, and it is estimated that the DAX index of Frankfurt stock market will rise by about 12% in 2022. Ulrich Cartel, chief economist of Deka Bank, Germany, believes that if the epidemic control measures in Germany continue until the spring of 2022, it will have a great impact on the economy and the stock market may be drastically revised.

　　Ueno Gangzhi, a researcher at the Institute of Japanese Basic Studies, predicts that with the gradual recovery of Japan’s economy and the improvement of corporate performance, the Tokyo stock market will continue to rise in 2022, and the Nikkei stock index is expected to rise above 30,000 points by the end of the year.

　　Joelson Sampaio, an economist with the Vargas Foundation in Brazil, said that the Fed’s interest rate hike will make funds withdraw from emerging market countries, and the Brazilian stock market may fluctuate greatly in 2022 due to factors such as the Brazilian presidential election.

　　How high can oil prices go up?

　　Against the background of shortage caused by supply constraints and strong demand, the international crude oil price fluctuated upward in 2021. On December 31, the main contracts of the New York Mercantile Exchange light crude oil futures and London Brent crude oil futures closed at 75.21 and 77.78 US dollars respectively, rising by about 55% and 50% respectively.

　　Looking forward to 2022, although the market is bullish, the oil price trend still faces high uncertainty.

　　The Organization of Petroleum Exporting Countries (OPEC) recently released a report, maintaining the expectation that the world’s average daily oil demand will increase by 4.2 million barrels in 2022, and holding that Omicron’s influence on oil demand will be moderate and short-lived.

　　On November 17, 2021, people lined up at a gas station in Mississauga, Ontario, Canada. (Xinhua News Agency, photo by Zou Wei)

　　Goldman Sachs Group predicts that with the rising demand in aviation, transportation and infrastructure, oil demand will reach a new high in 2022 and 2023. Damien Courvalin, head of energy research at Goldman Sachs, believes that Omicron has limited impact on the economy, and the Brent crude oil futures price will remain at around $85 per barrel in 2022 and 2023. If the supply cannot keep up with the demand growth, the oil price may exceed $100 per barrel.

　　The US Energy Information Administration predicts that the supply growth of major oil-producing countries will exceed the global oil consumption growth in 2022, and the annual average price of Brent crude oil futures will be around $70 per barrel due to the new mutation Covid-19 disturbing the market. (Note holder: Ouyang Wei; Participating reporters: Xu Chao, Du Jing, Fan Yu, Liu Yanan, Pan Lijun, Liu Chunyan, Shen Zhonghao, Luo Jing, Yang Hairuo, Yan Jing, Geng Pengyu, Kang Yi, Xu Jing)

On October 10th, the conference on promoting the high-quality development of private economy in Liangjiang New Area was held in Lijia Wisdom Hall. This conference does not have a podium, so that private enterprises and entrepreneurs can "be the protagonists" and "sit in the C position". It is a conference with private enterprises as the main body and theme.

At the meeting, the list of top ten private enterprises in manufacturing, top ten private enterprises in service and top ten private enterprises in innovation was released.

Among them, Celeste Automobile Co., Ltd., Chongqing Laibao Technology Co., Ltd., Chongqing Yujiang Die Casting Co., Ltd., Chongqing Yaoyou Pharmaceutical Co., Ltd., Chongqing Huabang Pharmaceutical Co., Ltd., Chongqing Ruilan Automobile Manufacturing Co., Ltd., Fengmi (Chongqing) Innovation Technology Co., Ltd., Chongqing Zhixin Industrial Co., Ltd., Chongqing Liangjiang Lianchuang Electronics Co., Ltd. and Chongqing Daming Automobile Electrical Appliance Co., Ltd. were selected as the top ten private manufacturing enterprises in Liangjiang New Area.

Immediately Consumer Finance Co., Ltd., Ant Xinghe (Chongqing) Information Technology Co., Ltd., Chongqing Xiaochuan Industrial Co., Ltd., Chongqing Zhonglian Information Industry Co., Ltd., Orpheus Group Co., Ltd., Chongqing Duxiaoman Information Technology Co., Ltd., Chongqing Longhu Yizhi Real Estate Development Co., Ltd., Chongqing Woodpecker Network Technology Co., Ltd., Yuanhai Construction Engineering (Group) Co., Ltd. and Chongqing Defei Inspection and Testing Co., Ltd. were selected as the top ten private enterprises in the service industry in Liangjiang New Area

Chongqing Xinjing Special Glass Co., Ltd., Chongqing Weipu Information Co., Ltd., Bora Network Co., Ltd., Chongqing Gaojin Industrial Co., Ltd., Chongqing Hairun Energy Saving Technology Co., Ltd., Chongqing Zhongke Paddle Ship Information Technology Co., Ltd., Chongqing Liyituo Software Co., Ltd., Chongqing Zero one club Aerospace Science and Technology Co., Ltd., Qiteng Robot Co., Ltd. and Chongqing Paijin Biotechnology Co., Ltd. were selected into the list of the Top Ten Innovative Private Enterprises in Liangjiang New Area.

It is reported that this conference aims to thoroughly implement the important exposition of the Supreme Leader General Secretary on the development of the private economy, implement the spirit of the city-wide conference on promoting the high-quality development of the private economy, further optimize the business environment, boost confidence in the development of the private economy, stabilize the development expectations of the private economy, and promote the high-quality development of the private economy in Liangjiang New District.

In this hot land of Liangjiang New Area, private entrepreneurs are self-reliant and hard-working, actively adapting to changes, which not only realizes their own growth, but also makes great contributions to the economic and social development of the new area. Private economy is not only a key force for economic growth in the new district, but also an important force for scientific and technological innovation in the new district, and an important channel for the new district to absorb employment.

In 2022, the added value of the private economy in the new district reached 213.877 billion yuan, accounting for 47% of GDP. Private investment is an important force in the investment and construction of the new district. Last year, the new district completed private investment of 73.7 billion yuan, accounting for 39% of fixed assets investment. Among the top50 import and export enterprises in the new district, there are 42 private enterprises, with an import and export volume of 90.7 billion yuan, accounting for about 30% of the total import and export of the new district.

Private enterprises are close to the market, sensitive to market demand and have strong innovation momentum. At present, private enterprises have contributed more than 60% of R&D investment and invention patents in the new district. There are 4,926 scientific and technological enterprises in the new district, with private enterprises accounting for 98%. There are 780 high-tech enterprises in the new district, and private enterprises account for 76%. There are 16 listed companies in the New District, and private enterprises account for 63%. science and technology innovation board listed companies Shanwaishan and Xishan Technology are typical representatives of the innovation and development of private enterprises.

Not only that, the private economy also provides a large number of jobs and is the main force to absorb employment. Last year, there were 487,000 employees in private enterprises in the new district, accounting for 62% of all employees in enterprises.

Liangjiang New Area will take this conference as an opportunity to support the high-quality development of private economy in the new area with the most powerful measures, and do everything possible to help private enterprises solve problems, strengthen the support and support of private enterprises, and promote the connotative development of private enterprises. At the same time, the new district will accelerate the creation of a first-class business environment, a good legal environment, a secure credit environment and a convenient government environment with the firmest determination, further innovate management and service methods, break down various obstacles that restrict private enterprises from participating in market competition fairly, and fully stimulate the innovation and creativity of business entities.

(Reporter Feng Lian)

1905 movie network news During these days, those thoughts about the cinema have frequently boarded hot searches. "The last movie I saw in the cinema" and "The movie I want to see most when the cinema is open" … … Such topics are repeatedly mentioned and fermented on various social platforms.

Behind these topics, more is the audience’s love for the cinema, which is hot and simple. Through the "520 advertising season", let us express our sincere love to the film with the most sincere words.　

The 24-cell password also has 120 frames of "resistance"

"After the invention of the film, human life has been at least three times longer than before." This sentence comes fromEdward YangDirected filmThe lines in the movie have become the thoughts of many fans. With this 173-minute video, the director condensed the bitterness of life with long and delicate emotions.　

We are often immersed in the limited duration of the film, experiencing the sadness expressed to us by the creator, and having the most restrained empathy with the characters. This is a gift from the filmmaker to the audience, and it is also the audio-visual enjoyment that the spectators expect. The film has its own unique password. This series of numbers started in Factory Gate and has been challenged by technology since then. Director Abbas’s posthumous work recorded the truth of 24 frames per second in the mode of still photography and dynamic images. When the film returns to the natural sense of tranquility, it is like a native system, the so-called motion record, which gets feedback in every frame of the image.

The high level of this form of art is that the creator leads the audience to explore the secrets of 24 frames.

No one can shake the truth about frame 24. Director Peter Jackson tried to test the water, but his performance didn’t seem to be as expected. Ang Lee doesn’t seem to give up. Instead, he turns the movie into something that flashes 120 pictures in a second. This is more than a challenge. He is shouldering the possibility of change by himself. From the beginning to the end, Ang Lee repeatedly tried to break the "rigid" film grammar. If he can, he still hopes that the next work can be completed with 120 frames of technology.

In this world different from other movie dimensions, he believes that the god of movies is still protecting him and there is a beautiful new world waiting for him.

In this constantly explored world, the film is a kaleidoscope in the hands of directors, and all this is felt from different angles.

Directed by Jiang Wen, the toy was "played" with a guide tube, and all the most pure shadows were poured into it. After careful study, maybe he just used the horse’s mouth to confess to the movie.

The movie is like a dream, and the actors show it at will.

The charm of the director lies in the creation of images, while the actors add agility to the film. "Actors should be crazy, and I am one." Ruan Lingyu said that she dedicated her best youth to movies, and even gave her understanding of fate to movies, but she never knew that movies were just movies and just a dream.　

The film tells all about her journey from film. At first, she will only play the image of a rich wife, and then she will play an epoch-making role, which is her transformation from a "vase" to an actress. This change is just projected on the actor Maggie Cheung. At that time, Maggie Cheung, who was still considered by the public to be not very good at acting, seemed to be completely enlightened from this work. In a trance, in this film, the audience seems to have lost track of who is who.　

Interviews interspersed in the film, when the director Guan Jinpeng asked her the same question as Carina Lau: "Do you hope that in half a century, will anyone still remember you?" Maggie Cheung thought for a moment, "I think it doesn’t matter if others remember me after half a century. Even if someone does remember me, it’s different from Ruan Lingyu." Sinking into the play and fading out of fame and fortune have all become footnotes for her subsequent career as an actress.　

In the movie, Yin Tianchou, who is holding "Self-cultivation of Actors", is serious about the play, and has already reached the state of madness. That sentence, "I am an actor", is a walk-on, and his persistence in his work makes the greatest argument for his humble life.　

After a lapse of 20 years, Stephen Chow once again brought Yin Tianchou, whose dream didn’t come true, away, in exchange for her dream of sticking to her ideals. Stephen Chow, who is nearly sixty years old, no longer puts the reality cruelly in front of the audience. Instead, he turns the spirit of fighting for the film like a dream into a happy ending that seems like a dream.　

How realistic is it when you wake up? We see actors who are in high spirits on the big screen, and often ignore the larger number of extras in a work. Whether it’s chicken soup or hard work, Tung shing Yee tried his best to make this group of neglected people speak out and show all their sentient beings.

They record the memories of movies.

The mystery of the film lies not only in the complementarity between the director and the actor, but also in the integration of different departments. In the movie "Nothing is difficult in Jianghu", Hao Yan, a producer with a movie dream, and Wen Xi, an old friend, have been working together for more than 10 years, but they have never produced any works. In the process of shooting, accidents occur frequently, which leads to the unpredictable trend of the plot. On the one hand, under the pressure of external employers, on the other hand, it stimulated new ideas, which added color to the final work.　

This mode is actually applied to the "Don’t stop the camera! "mode, with all the masters’ love for movies, prompted them to complete an impossible task, and with this love, they made a lovely film. Especially in the last scene of the movie, during the filming, the rocker camera broke. At this time, other crew members were waiting for the camera to come while building a wall. What the ordinary audience saw may be an ordinary second, but at the scene, the staff had to pay a great price.　

Or "Mountains and Rivers Meet" directed by Ma Weihao, which recounts the past events on the set in the 1960s. From Guotai Dianmao’s Mandarin studio to Shaw’s Huangmei Opera studio, the tone is bright and romantic, the story is lively and gentle, and the poor screenwriter becomes a director, and the stubborn actor becomes a film queen. With the company of old times, the story of the set was connected in series.　

In the film The Story of Lisbon, director Wenders recorded the story of the film recorder with poetic beauty. Sound is created, just like memory, it is the only material that bears witness to reality. Wenders tried to question "What is memory", but the real answer was always getting farther and farther.

Zhang Dalei seems to have given the answer in the book. When the little boy picked up the lost film in the editing room of the film studio, all the past light and shadow moments came back through it.　

With the revolution of film technology, my father, as an editor, had to leave home to take notes on the spot. In the compound, the uncle who painted posters also had to change careers to make a living. But how the result changed, those romantic ideals never changed. Just like in the movie, when his father finished pulling the tab and walked into the living room, Xiao Lei woke up from his dream, lying under the door and watching his father punch in the air. He looked surprised, but he couldn’t understand. Why did my father punch? Perhaps only my father knows the answer. All questions remain in the child’s understanding. In this mood, the seeds of loving movies are slowly left for children.　

　In film creation, each department is just like a gear, polishing and influencing each other. Only when they are compatible enough can we create excellent works. But now, perhaps we would like to say that I want to see you again on the big screen and end this "long distance" miss.

What xiaobian brought today is. Let’s take a look at it next.

First of all, from the appearance, Tengshi D9 front design appears to be more domineering and stylish, very sporty. Headlights are very in line with consumers’ aesthetics and can be regarded as the finishing touch on the front face. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, delayed closing, rain and fog mode and so on. Coming to the side of the car body, the size of the car body is 5250MM*1960MM*1900MM, and the car body looks very simple with large-sized thick-walled tires, which gives people a very fashionable and sporty feeling. Looking back, the overall shape of the rear of the car echoes the front face, and the taillights are very young and stylish.

When you get into the car, Tengshi D9′ s interior is simple and strong, which easily touches the hearts of young consumers. The steering wheel of the car is very calm and made of leather, and its practicality and face value are not bad. Let’s take a look at the central control. With the 15.6-inch touch-sensitive LCD central control panel, the interior style is impressive and looks very round. The dashboard and seats give people a good feeling, too. Let’s take a look. The dashboard design is remarkable, highlighting the trendy temperament. The car uses leather seats, the seats are wrapped in place, and the overall ride feels soft and comfortable.

In terms of configuration, Tengshi D9 is equipped with car networking, driving mode selection, remote control key, Bluetooth key, NFC/RFID key, UWB digital key, rear wiper, interior atmosphere light and other configurations.

This class of cars is usually the first choice for most people. First of all, the price is not expensive, and secondly, all the configurations are quite complete, which is still very worth starting with. If you think so, today’s car is still worth recommending.

　　For goods with a value of 980,000 yuan, I bought a courier service with a value of 20,000 yuan. After receiving the goods, I found that the goods were damaged, and the maintenance cost was more than 10,000 yuan. The courier company said that it could only compensate 250 yuan.

　　The Beijing Youth Daily reporter visited and found that the default consumer agreed to its terms, the customer service of the express delivery company could not explain the specific compensation standard, and refused to undertake high-priced goods, which were almost common phenomena in the express delivery industry.

　　phenomenon

　　It is not a case that the loss of express mail is not compensated according to the premium.

　　Many companies do not undertake high-priced goods.

　　Mr. Zhong from Beijing sent a medical device worth 980,000 yuan to Nanning by SF Express. He deliberately chose the insured price of 20,000 yuan, and the insured fee was 100 yuan. When signing, it was found that the package was damaged and the shell was deformed. If it is repaired, it will cost more than 10,000 yuan. Mr. Zhong thought that the insured amount of 20,000 yuan could fully cover the maintenance cost. After Mr. Zhong provided the invoice of the equipment and the maintenance documents, SF said that it could compensate, but only 250 yuan.

　　Mr. Zhong’s experience is not a case. Ms. Jiang from Nanjing sent goods worth 622,000 yuan from Inner Mongolia to Nanjing by SF Express, and chose the insured price of 20,100 yuan. As a result, accidental damage occurred, and the maintenance price was 12,000 yuan. SF’s reply was compensation of 389 yuan.

　　Mr. Shi from Nantong, Jiangsu Province, sent the computer host to the customer through SF Express at a price of 4,000 yuan, which was damaged during the express delivery. Mr. Shi’s claim for compensation of 2,200 yuan was not supported, and SF Express could only compensate more than 800 yuan.

　　The reporter noticed that the standard of insured charges of express delivery companies is generally charged according to the insured amount or declared value of express mail from one thousandth to three thousandths. For express delivery with the insured price of 20,000 yuan, the courier company charges 20 yuan to 60 yuan. However, ladder pricing is also implemented. The higher the insured amount or declared value, the greater the proportion of insured fees. For example, Mr. Ru Zhong sent an express with the insured amount of 20,000 yuan, and charged the insured fee of 100 yuan.

　　Subsequently, the reporter consulted the SF customer service phone as a consumer. However, its customer service representative and the supervisor on duty did not give a clear explanation for its "insured compensation". The supervisor on duty even said that the insured compensation was explained by professionals, and they were not clear.

　　In addition, many users said that they were "agreed" to the compensation clause. The reporter of Beiqing Daily interviewed more than 50 citizens who frequently used express mail items, including some Taobao shopkeepers. They all said they knew the "guaranteed price" service, and more than 50% of the respondents said they had used this service. But for the compensation clause, they have never understood it. "Isn’t it full compensation?" Most interviewees expressed surprise after hearing the above cases.

　　At the same time, the reporter consulted the customer service of several express delivery companies and found that the final operation and explanation of express delivery insurance are at the terminal outlets, and the users need to negotiate with the outlets. When the reporter called some express outlets such as Zhongtong, Shentong and Yunda, when he learned that the items being delivered were computers, precious metal jewelry or works of art, the courier said that such goods could not be received and sent. "If you must send it, we can’t bear the loss of damage in the process." A courier of Zhongtong said.

　　The reporter of Beiqing Daily learned from the person in charge of some express outlets that even if the expensive goods are insured, the amount of compensation after problems is limited, and there is no guarantee that they will be fully compensated. Many companies also have regulations on the value of single-ticket express delivery. The reporter of Beiqing Daily inquired about the terms of a number of express delivery companies and found that the value of EMS standard express single items does not exceed 50,000 yuan, and the value of express parcels does not exceed 20,000 yuan; The value of one-piece express delivery of Yuantong and Zhongtong shall not exceed 30,000 yuan; The upper limit of the actual value of Shentong’s insured express delivery is 20,000 yuan.

　　survey

　　The word "proportion" in the clause

　　The amount of insured compensation has been greatly reduced

　　Although it cost extra money to insure the price, once compensation is needed, it is not based on the insured amount. Is this the unspoken rule of the express delivery industry, just like the loss of uninsured express mail can only compensate N times the freight?

　　The reporter of Beiqing Daily found that not all express delivery companies are like this. The reporter of Beiqing Daily inquired about the Express Service Agreement of SF Express, Yuantong, Zhongtong, Shentong, Yunda and EMS, and each company has clear regulations on the compensation method for insured express mail. Generally speaking, most companies implement "if the express mail is lost, damaged or short, compensation shall be made according to the actual value, and the maximum amount shall not exceed the insured amount of the express mail". A few companies will refund the premium on this basis.

　　According to the terms of the above express delivery company, if the insured express is damaged, it will be compensated according to the actual loss. For example, if a computer with an insured price of 10,000 yuan is damaged when it arrives, and the maintenance needs 2,000 yuan, then the courier company with the above terms will pay 2,000 yuan. This is more in line with the general public’s understanding of "insured price".

　　So why didn’t SF do this? The reporter of Beiqing Daily found that in SF’s terms, the expression of compensation for insured express mail is: "SF will compensate you according to the proportion of insured amount and actual loss in case of damage or shortage, and the maximum loss of consigned goods shall not exceed the declared value of insured price when you consign them."

　　Regarding the concept of "proportion" in the clause, Beiqing Daily reporter consulted its customer service as a customer. However, the customer service of SF Express said that there will be a staff member specially responsible for compensation to contact the reporter. As of press time, the reporter of Beiqing Daily did not receive a call from SF.

　　Previously, SF Express Commissioner replied to the media that there are two rules for "insured" compensation: "full amount" and "insufficient amount". "For example, in ‘ Full amount ’ In the case of insurance, if the value of the goods is 100,000 yuan, you have insured 100,000 yuan, and the later damage maintenance cost is 10,000 yuan. Under normal circumstances, we can fully pay you 10,000 yuan here. If this item is worth 100,000 yuan, you have insured 10,000 yuan, which belongs to ‘ Not fully insured ’ The later maintenance cost is also 10,000 yuan, which will produce a compensation ratio, which is the amount you guarantee divided by the actual value of the item and then multiplied by your actual loss. "

　　According to SF’s calculation formula, the compensation amount = (insured amount/actual price) × maintenance cost. Take Mr. Shi’s computer as an example. For a computer with 10,000 yuan, the insured price is 4,000 yuan, and the maintenance cost is 2,200 yuan. Mr. Shi can get 2200×0.4, which is more than 800 yuan in compensation. Mr. Zhong’s 980,000-yuan medical device is insured at 20,000 yuan, which means the proportional coefficient is 2%. The maintenance cost of more than 10 thousand yuan is multiplied by this proportional coefficient, and the final amount is more than 200 yuan.

　　analyse

　　Is it reasonable and legal to pay in proportion?

　　The Postal Law is not the only criterion for judging disputes.

　　Although the terms of the courier company are like this, is such compensation reasonable and legal? The reporter of Beiqing Daily inquired about a number of laws, regulations and current standards, and found that there are mainly the Postal Law, the Provisional Regulations on Express Delivery and the national standards for Express Delivery Service.

　　Among them, Article 47 of China’s "Postal Law" stipulates that postal enterprises shall compensate for the loss of vouched mail according to the following provisions: if the insured vouched mail is lost or completely damaged, it shall be compensated according to the insured amount; If it is partially damaged or the internal parts are short, the actual loss of the mail shall be compensated according to the ratio of the insured amount to the total value of the mail.

　　In this regard, Chen Yinjiang, Deputy Secretary-General of china law society Consumer Protection Law Research Association, said that it is fair to compensate some damages according to the proportion of lost value, but it is often difficult to define the proportion of damages in reality. Although some items are partially damaged, they may not be used by consumers. Even if the courier company pays in proportion, the rights and interests of consumers are still not guaranteed. Therefore, it is best to have a clear agreement between the two parties in advance, and perform according to the agreement if there is a problem.

　　Liu Junhai, a professor at the Law School of Renmin University of China, said that the provisions of article 47 of the Postal Law related to "guaranteed price" were placed in Chapter V, while "express delivery business" was in Chapter VI, so the rules on guaranteed price of postal enterprises in Chapter V should not be extended to express delivery business in Chapter VI.

　　The reporter of Beiqing Daily inquired about the referee document network and found that Dawasang Zhou in Xining, Qinghai delivered 1 kg of Cordyceps sinensis through Xining Shentong, with a value of 300,000 yuan and an insured price of 5,000 yuan. As a result, the parcel was lost, and Dawasang Zhou claimed 300,000 yuan from Xining Shentong. After three trials, the case was finally judged, and Xining Shentong paid 240,000 yuan at the market price. The judgment of this case is based on the Postal Law and the Contract Law. It can be seen that the Postal Law is not the only criterion for judging disputes.

　　Text/Reporter zhangxin Coordinator/Photo courtesy of Yu Meiying/vision china

　　News memory

　　Expert: The default check violates consumers’ right to know and choose.

　　The reporter of Beiqing Daily found that nearly 80% of the respondents said that they did not know from what channel to look at the terms of the courier company. "Now all orders are placed online. I have seen the express delivery terms in the original handwritten form, and now I don’t know where to look." The owner of a Taobao shop said that at present, electronic forms are used, and there are no terms printed on them.

　　Did the courier company really not announce the terms? The reporter of Beiqing Daily used the mobile phone WeChat to log in to the "Sent Items" business pages of several courier companies, and found that the "Express Service Terms" were under the address filling directory of this page, and some of them also used fonts of other colors to indicate "eye-catching".

　　Then why didn’t so many people notice? The reporter of Beiqing Daily also noticed that this clause is checked by default, which is different from the compulsory reading of other online services. Even if the reporter of Beiqing Daily did not register, this clause has been checked. Only by clicking the default check box can you click to read the Express Service Terms.

　　In this regard, Chen Yinjiang, Deputy Secretary-General of china law society Consumer Protection Law Research Association, believes that there are no other laws and regulations that clearly stipulate the insured compensation for express delivery, and all express delivery companies have formulated their own compensation standards and printed them on express delivery orders by unilaterally formulating standard terms. However, the clauses listed by express delivery companies on the express delivery list obviously reduce their own responsibilities and exclude the rights of consumers, which are typical overlord clauses and have no legal effect. In addition, the default check is certainly unreasonable, infringing on consumers’ right to know and choose.

Recently, a group of real car drawings of FAW-Volkswagen’s brand-new Magotan were exposed on the Internet, which is officially called the brand-new Magotan B9. It is reported that it will be officially unveiled at the Beijing Auto Show, which opened on April 25th.

From the appearance, the new Magotan B9 adopts a brand-new popular family design style. The front grille with narrow banners is connected with the headlights on both sides, which further widens the visual width of the front of the car. There is a penetrating chrome-plated decorative strip in the middle of the grille. The Volkswagen LOGO in the middle can be lit, and there is also a penetrating light belt on the side of the LOGO. In addition, the decorative strip and diversion groove at the lower part of the front of the car have to admit that the front face of the new Magotan B9 does have a sense of technology and sports. No small improvement.

For the car side, the new Magotan B9 has a body size of 4990 mm /1854 mm /1487 mm and a wheelbase of 2871 mm, which is still a very standard medium-sized car. The waistline from the front of the car to the rear of the car is matched with a brand-new two-color large-size wheel hub, which really ensures the sense of movement on its side. As for the rear of the car, the penetrating taillights are the biggest highlight, which enhances the layering and also ensures the fashion sense of the rear.

In terms of interior, the new Magotan B9 also adopts a typical Volkswagen brand design style, but it has improved its sense of technology. Its car is equipped with three screens, a full LCD instrument panel, a large-size central control screen and a co-pilot entertainment screen, which is also adopted for the first time on Magotan models. And in the aspect of multimedia system, it will also adopt the brand-new system of Volkswagen. In addition, there is another change: the new Magotan B9 is designed with a shield, which leaves more storage space in the center console.

In the power part, according to the previous application information, the new Magotan B9 will be equipped with a 1.5-liter turbocharged engine and a 2.0-liter turbocharged engine. The maximum power of the 1.5-liter turbocharged engine is 118 kW, and the maximum power of the 2.0-liter turbocharged engine is 162 kW.

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As the third model of the Avita brand, it will be officially launched today, following the official debut of the new car at the 2024 Chengdu Auto Show, which will offer both extended range and pure electric versions.

In terms of appearance, the new car adopts a family-style design, and the headlight group can be seen at a glance as Avita. The design of the front of the car is very round.

The length, width and height of the new car are 4825/1980/1620 (1610) mm, and the wheelbase is 2940mm. If it is equipped with 21-inch wheels, it is still very dynamic and visually compact.

In terms of the interior, the most conspicuous feature is the special-shaped steering wheel. Objectively speaking, it is indeed uncomfortable to get started, especially when turning or turning at a large angle, and this design is mainly to not block the 35.4-inch slender screen in front. In addition, the new car is equipped with a large-size central control screen, which matches Huawei Hongmeng 4.0 ecology.

Avita 07 will be available in extended range and pure electric versions. The extended range version is equipped with a power system composed of a 1.5T range extender and a motor, and two-wheel drive and four-wheel drive versions are available. The maximum power of the 1.5T range extender is 115kW; the two-wheel drive version is equipped with a single motor with a maximum power of 231kW, and the four-wheel drive version is equipped with 131kW and 231kW front/rear dual motors, corresponding to the CLTC pure electric range of 230km (two-wheel drive) and 220km (four-wheel drive) respectively.

Avita 07 pure electric version also offers two-wheel drive and four-wheel drive versions. The maximum power of the two-wheel drive version motor is 252kW, and the maximum power of the front/rear motor of the four-wheel drive version is 188kW and 252kW respectively. The pure electric cruising range is 650km and 610km respectively.

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The exterior design of the Jaguar E-PACE shows the perfect blend of elegance and dynamism. The front face features Jaguar’s signature family-style design, and the air intake grille is refined and unique, with chrome trim for a luxurious atmosphere. The body lines are smooth and the overall style is full of power, showing the stylish and sporty characteristics of urban SUVs, which can attract attention in both urban road and off-road environments.

The Jaguar E-PACE has a unique design feel with its elegant side lines. In terms of body size, it has a length of 4395mm, a width of 1900mm and a height of 1648mm, and the wheelbase reaches 2681mm, providing passengers with a comfortable ride space. The front and rear wheels are 1635mm and 1634mm respectively, ensuring good driving stability. The E-PACE is equipped with stylish 18-inch wheels, with 235/60 R18-size tires, which not only enhances the visual effect, but also ensures the vehicle’s grip and handling performance during driving.

The interior design of the Jaguar E-PACE reflects the perfect fusion of luxury and technology. The exquisite leather steering wheel feels comfortable to hold, and its manual up and down + front and rear adjustment functions ensure a personalized driving experience for the driver. The 11.4-inch central control screen stands in the center of the cockpit, the interface is intuitive and smooth to operate, and supports automatic speech recognition control system, which is convenient for the driver to operate during the driving process.

In terms of seats, the Jaguar E-PACE is made of imitation leather, which makes it comfortable and durable to sit. The main and passenger seats are equipped with 4-way adjustment, including front and rear, backrest and height, and the front seats also provide additional heating function to ensure that passengers can enjoy a comfortable ride in different seasons. The seat design focuses on humanization and provides comprehensive comfort support for passengers.

In terms of in-car configuration, USB and Type-C multimedia/charging interfaces are located in the front row, providing sufficient interfaces for passengers’ electronic devices, which is convenient and practical. These details reflect the thoughtful and practical interior of the Jaguar E-PACE.

The Jaguar E-PACE is powered by a 1.5T turbocharged engine with a maximum power of 147 kilowatts and a power output of 280 Nm of peak torque. The engine delivers 200 horsepower and is paired with an eight-speed automatic transmission to ensure smooth driving and fuel economy.

Summarizing the comments of car owners, Jaguar E-PACE not only won the love of sports fans with its dynamic exterior design, but also impressed with the strong power of its 2.0T high-power engine and the smooth shifting of the 9-speed automatic transmission. Car owners also praised its unique sports package for not only enhancing the visual impact of the appearance, but also taking into account practicality and performance. Obviously, Jaguar E-PACE surpasses other competitors in power performance and is an ideal choice for consumers who pursue an excellent driving experience.

Phoenix Auto News, recently, we learned from the official that the domestic Cadillac XT5 will be officially launched at the Beijing Auto Show in April 2016. It is reported that the domestic Cadillac XT5 will be equipped with a 2.0T engine.

The Cadillac XT5 is the successor to the Cadillac SRX. The new car features a new Cadillac design language, with sharp headlights and LED daytime running lights that extend from the headlights to the front bumper, making it very personalized.

The LCD screen of the CUE system has been upgraded to a larger size, and it still uses touch control to support Apple CarPlay. The specific use experience will not be known until the real car experience. Safety configurations include parallel prompt, lane keeping, adaptive cruise, front touch warning with automatic braking, etc. Convenience configurations such as automatic parking will also appear in the configuration menu of the XT5.

In the interior part, the Cadillac XT5 adopts a design language similar to the appearance, and the overall shape is very layered. The new car uses a four-spoke multi-function steering wheel, and a larger LCD screen is used in the center of the instrument panel. In addition, the new car is also equipped with a new version of the CUE system, which is compatible with Apple CarPlay and Android Auto systems.

In terms of power, considering the demand of the Chinese market, the Cadillac XT5 will not be equipped with the 3.6L engine used in overseas models, but will be replaced by a 2.0T engine. In terms of transmission system, the 2.0T engine is matched with an 8-speed automatic transmission, and the new car can also be equipped with an optional four-wheel drive system. (

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The interior design of the Deep Blue SL03 is futuristic. Its front face features a streamlined air intake grille and matrix LED headlights, creating a perfect blend of technology and motion. The body has smooth lines, and the overall style is sporty and luxurious, showing the delicate control of details of the Deep Blue brand. This design is designed to provide a unique and eye-catching visual experience for drivers and passengers.

The dark blue SL03 presents elegant side lines with its refined body proportions. The body measures 4820mm long, 1890mm wide and 1480mm high, with a wheelbase of up to 2900mm, ensuring a comfortable and spacious interior space. The front and rear track are 1620mm and 1630mm respectively, ensuring good stability. The tire specification is 245/45 R19, which not only guarantees the driving grip, but also complements the rim style, adding a modern and dynamic touch to the overall appearance.

The interior design of the dark blue SL03 shows the perfect combination of minimalism and technology. The interior style is refined and modern, with high-quality leather and imitation leather materials to create a comfortable and luxurious touch. The steering wheel is wrapped in leather and leather to provide a good grip, and supports manual up and down and front and rear adjustment to suit the needs of the driver.

The highlight of the center console is a large 14.6-inch screen, coupled with an advanced automatic speech recognition control system, which integrates multimedia, navigation, telephone and air conditioning control, making it easy and intelligent to operate. The front seats are rich in configuration, including heating and ventilation functions, and the driver’s seat is also equipped with electric seat memory to ensure driver comfort. At the same time, the seats support front and rear adjustment, backrest adjustment, high and low adjustment and waist support to meet the needs of different drivers. Wireless charging function is realized in the front row, bringing more convenience to modern life. The rear seats support proportional reclining, further enhancing space flexibility. Overall, the interior design of the dark blue SL03 is designed to provide passengers with a comfortable and convenient driving environment.

The deep blue SL03 is equipped with a 1.5L L4 engine, which provides a maximum power of 70 kilowatts, but unfortunately the specific maximum torque value is not mentioned in the information given. The car uses an electric vehicle single-speed gearbox to ensure efficient transmission of the power system and driving experience.

Overall, the dark blue SL03 has won high praise from Autohome owners for its unique appearance charm and practical interior design. "The high value is the first factor for me to choose it," he said. "The shape of the big slip back and the high-end sense of the black interior make people fall in love at first sight." This model undoubtedly satisfies consumers’ dual pursuit of aesthetics and practicality, and the charm of the dark blue SL03 is evident.