Recently, mycoplasma infection and mycoplasma pneumonia have become high-frequency words in mom circle. Three years after the epidemic in COVID-19, before the arrival of mycoplasma infection, children have experienced several rounds of infectious diseases, which are influenza, syncytial virus infection, infectious diarrhea, herpetic angina and so on. From the beginning of school in March this year to the present, "one disease per month" children account for a considerable proportion.

　　The epidemic time of mycoplasma was advanced, and it spread widely.

　　During the epidemic in COVID-19, because everyone wears masks, washes hands frequently, keeps social distance, increases ventilation and disinfects more surfaces, children’s contact with other pathogens is reduced, and the incidence of virus and bacterial infections is reduced. However, everything has two sides. The decrease of infection makes the immune stimulation of pathogens insufficient, the susceptible population increases and the group immunity decreases. After reducing the intensity and scale of group protection in many countries, the incidence of respiratory syncytial virus and other pathogens increased significantly. In this context, experts put forward the concept of immune debt during COVID-19 (the above content was quoted from the No.1 issue of journal of applied clinical pediatrics Journal of China, Volume 38, January 2023, "Immune debt and its influence during the epidemic of children in novel coronavirus").

　　To put it simply, COVID-19’s three-year-old children may get one disease at a time. The flu hit first, and now it’s mycoplasma’s turn.

　　Mycoplasma is a prokaryotic microorganism similar to bacteria but without cell wall, which is between bacteria and viruses, smaller than bacteria and larger than viruses, and is the main pathogenic microorganism of respiratory tract infection. Most common mycoplasma epidemics occur in November and December every year, and this year is advanced to August and September, which affects a wider range of people. The children’s condition is biased and the course of disease is long.

　　Mycoplasma pneumonia has typical characteristics, and children should be vigilant in the following situations.

　　1. Severe irritating dry cough: Severe cough is a prominent symptom of this disease. At the beginning, it is a dry cough, and the cough is stubborn and severe. The child can’t stop coughing and even affect the activities during the day and sleep at night. Late sputum, cough is still severe.

　　2. Fever: high fever is common. If not treated, the fever will persist. There are also people with low body temperature or even no fever, which are relatively few.

　　3. Auscultation often does not hear rales: general doctors with lung infections can hear wet rales, but most of mycoplasma pneumonia can’t hear rales. The auscultation of the lung is very inconsistent with the clinical manifestations such as severe cough and high fever, which has become one of the characteristics of this disease. Therefore, the diagnosis of mycoplasma pneumonia often needs chest radiography to assist the diagnosis.

　　4. Chest X-ray: Typical mycoplasma pneumonia often shows large shadows in the lungs.

　　5. Routine blood test: Routine blood test of mycoplasma has no characteristics, unlike typical bacterial infection, where the total number of white blood cells, neutrophils and CRP are all increased, and unlike virus infection, which is basically normal, white blood cells are often normal or high, or one of them is high.

　　6. Mycoplasma pneumoniae antibody test: Mycoplasma antibody test positive can help diagnosis, but negative can not be excluded. And mycoplasma antibodies are often not detected at the early stage of the disease, which is not helpful for early diagnosis.

　　These are the characteristics of typical mycoplasma pneumonia, but actually not all mycoplasma pneumonia show these characteristics. Clinically, some children only have a high fever and their cough is not obvious. In the clinic, I once met a child who had a fever for 5 days, accompanied by a mild cough for 2 days, and a film was also pneumonia. Some children have no obvious fever, only moderate to low fever, and even have no fever but cough is very severe, and filming is also pneumonia.

　　About mycoplasma infection, these problems should be clear.

　　Will children get pneumonia if they are infected with mycoplasma? Mycoplasma pneumonia is very difficult, okay? Will there be sequelae? Parents have too many questions to answer.

　　First of all, it should be noted that infection with mycoplasma (mycoplasma pneumoniae) does not necessarily lead to pneumonia. Mycoplasma (mycoplasma pneumoniae) can not only cause pneumonia, but also cause upper respiratory tract infection (common cold symptoms) and tracheitis.

　　Which children are susceptible to mycoplasma (mycoplasma pneumoniae) infection? Mycoplasma pneumoniae mainly infects children aged 5-9, that is, school-age children. Recently, this wave of mycoplasma infection has spread to a wider age group, and infants also have severe mycoplasma pneumonia.

　　How to treat mycoplasma pneumonia? Once mycoplasma pneumonia is diagnosed, macrolide drugs such as erythromycin and azithromycin are given for treatment. Mycoplasma infection is not sensitive to penicillins and cephalosporins.

　　Why do children still progress to pneumonia after taking azithromycin? Is it delayed? Azithromycin is a specific drug for treating mycoplasma infection. Some children took azithromycin orally in the early stage of fever, but their condition was still getting worse and more serious pneumonia appeared. Parents often don’t quite understand why they developed pneumonia after taking azithromycin at the early stage of taking their children to see a doctor. The reason for this is complicated, which may be related to the variation or drug resistance of mycoplasma. It may also be related to the child’s poor rest after illness, or to the child’s physique.

　　Mycoplasma pneumonia is very difficult, okay? Will there be sequelae? Mycoplasma pneumonia has a good prognosis after regular treatment. However, there are also serious mycoplasma pneumonia, and the effect of antibiotic treatment is not ideal, so special drugs such as hormones are needed, and some need bronchoscopy to assist diagnosis and treatment.

　　If mycoplasma pneumonia is diagnosed, the child should be treated completely according to the doctor’s requirements, and hospitalization is needed if necessary. Have a good rest during and after the treatment, and don’t take classes with illness. After the treatment, you need a rest period.

　　How to prevent mycoplasma pneumonia? When the child is at school, the class should actively open the window for ventilation; Children should carry out appropriate physical activities to increase immunity; Don’t arrange extracurricular classes and physical classes too full, but step by step, so that children can have an adaptation process; Drink plenty of water, don’t eat too much, and ensure daily defecation. Daily ventilation should be ensured in the family. If children have mycoplasma infection, isolation should be implemented as much as possible to reduce cross-infection in the family.

[ITBEAR] Recently, the state’s support for the new energy automobile industry has continued to increase, and a series of policies and measures aimed at promoting the development of electrification, intelligence, networking and sharing (referred to as "new four modernizations") have been introduced one after another, injecting strong impetus into the market. Among them, the subsidy policy of automobile trade-in has become the focus of consumers’ attention, and its market effect is remarkable.

The positive signal recently released by the National Development and Reform Commission is even more exciting for consumers, and the national subsidy policy is expected to continue to be implemented in the future, which undoubtedly provides more expectations for consumers who are interested in buying cars. According to the relevant person in charge of the National Development and Reform Commission, the support for the "two new" policies will be further increased in the future, and a new round of large-scale equipment renewal and trade-in of consumer goods will be promoted, and the subsidy policy for trade-in in the automobile field will play an important role.

Major car companies actively responded to the call of the state and introduced preferential policies for car purchase in succession, in order to get a share of the dividend of the state subsidy policy. From the replacement subsidy policies introduced by Cadillac, Star Road Star Era and Volvo at Guangzhou Auto Show to the active participation of brands such as Wuling Automobile, the market competition has become increasingly fierce. Car companies attract consumers’ attention by increasing subsidy amount, optimizing car purchase process and improving service quality, and strive to stand out in the fierce market competition.

However, while enjoying the policy dividend, consumers also need to pay attention to the specific implementation details of relevant policies. Although the National Development and Reform Commission has clearly stated that the state subsidy policy will continue, the specific subsidy standards and rules have not yet been finalized. When consumers apply for subsidies, they also need to prepare car purchase invoices, driving licenses and other relevant supporting documents to ensure the smooth receipt of subsidies.

For consumers who have not yet bought a car, the continuation of the national subsidy policy is undoubtedly good news. They can pay close attention to the policy trends, understand the preferential activities of car companies, and plan the car purchase plan in advance, so as to buy a car at the right time and enjoy the benefits brought by the policy.

　　On March 26,

　　The top ten scientific rumors list in 2022 was released.

　　Among them, vegetarians will not get fatty liver,

　　Ten widely circulated rumors, such as O-type blood attracts mosquitoes,

　　Selected as one of the top ten scientific rumors of the year.

　　In the newly released top ten scientific rumors list in 2022,

　　Are there any rumors that you have been "cheated"?

　　Let’s take a look

　　Myth 1-Vegetarian won’t get fatty liver.

　　People who are vegetarian for a long time, malnourished and excessively lose weight may also get fatty liver. The metabolism of fat needs apolipoprotein as a "vehicle". When protein’s intake is insufficient, there is not enough apolipoprotein in the body, and the liver cannot transport excess fat, which accumulates in the liver and leads to fatty liver.

　　Proverbs 2-It’s "faster" to get an injection after a child gets sick than to take medicine.

　　Most oral drugs will be eliminated by the first pass of the liver, and the effect will be relatively gentle, and the risk of drug resistance and adverse reactions will be reduced. However, injected drugs directly enter the human body, and the risk of adverse reactions increases. Usually, when it is not suitable for oral administration, injection will be chosen for administration.

　　Myth 3-After eating oranges, you will be positive for antigen or nucleic acid test.

　　Eating oranges is difficult to affect the test results. If the antigen is detected correctly, the sampling site is the nasal mucosa, and there will be no contact with food. Covid-19’s nucleic acid detection determines the result by amplifying Covid-19’s nucleic acid, which needs to be eluted and purified, and impurities have little influence on the detection result.

　　Proverbs 4-Potatoes germinate, and you can eat them by cutting them off.

　　Solanum nigrum is toxic. After potatoes germinate, its solanum nigrum content will be greatly increased. Ingesting 200mg solanum nigrum at a time, which is equivalent to about 30g of potatoes that have turned green or germinated, can make people toxic and even fatal. Potatoes with severe germination or unable to judge the degree of germination should never be eaten.

　　Myth 5 ——O-type blood attracts mosquitoes more

　　Mosquitoes identify the odor emitted by human body through tentacles, and choose the biting object through odor. The smell of people is mainly determined by genes, and this difference has nothing to do with blood type. People who recruit mosquitoes can generally adopt physical protection and chemical mosquito repellent methods.

　　Myth 6-Honey and garlic can treat Helicobacter pylori infection.

　　Internet-transmitted "sterilization artifacts" such as honey and garlic cannot treat Helicobacter pylori infection. Although bacteria will die because of water loss in honey, honey will be diluted when it enters the stomach, which can not achieve sterilization effect. Although allicin contained in garlic can inhibit the growth of bacteria, it will decompose after entering the human body, and it is difficult to play a bactericidal and bacteriostatic role.

　　Proverbs 7-After COVID-19 is infected, it is better to use drugs comprehensively.

　　This practice may be life-threatening. Each drug has strict usage and dosage, and taking multiple drugs without authorization can easily lead to repeated medication and overdose, which is harmful to human health. Patients who are treated at home are advised to use drugs according to the guidelines of the Health and Health Commission for home treatment, and do not use drugs in combination.

　　Myth 8-Myopia can be cured by surgery.

　　Myopia is irreversible. The cause of myopia is that the axial length of the eye becomes longer. At present, any means, including surgery and wearing glasses, can only correct vision, but can’t shorten the axial length and restore it to its original state, and can’t prevent complications caused by high myopia. Therefore, myopia prevention is more important.

　　Proverb 9-You can lose weight by eating only fruit.

　　Eating only fruit is difficult to lose weight and unhealthy. Protein, fat, carbohydrates, vitamins, minerals and other nutrients are needed to maintain health. Eating only fruit for a long time will lead to malnutrition, and some fruits have high sugar content, and excessive consumption will even increase weight.

　　Rumor 10-It is dangerous to have a substation near your home, so you need to move.

　　The AC frequency of China Substation is 50Hz, which is extremely low in the field of electromagnetic radiation, and the radiation range is very small, so residents need not worry. At the same time, the substation has a certain coverage area, that is, the power supply radius. If it exceeds the power supply radius, it can’t guarantee effective power supply, so the urban substation can’t stay away from residential areas at will.

　 　 　 　On November 28th, the public welfare film "Little Boy with Reunion Dinner" produced by Ningxia Zhongshi Film Co., Ltd., Tianjin Xinyue Culture Media Co., Ltd., Fujian Zhongwei Media Co., Ltd. and Henan Jintongxiang Culture Communication Co., Ltd., jointly produced by Shaanxi Yuchun Film Culture Media Co., Ltd. and Shenzhen Yichen Film Technology Co., Ltd. and publicized by Shenzhen Yichen Film Technology Co., Ltd. was released nationwide a few days ago.

　 　 　 　It is reported that the creative team of the film "Little Boy with a Reunion Dinner" visited many families in the early stage of creation, and found that parents had different degrees of "lack of companionship" in the process of children’s growth. They chose the most representative family and the most grounded and touching details to create, which finally touched many people, and almost everyone who watched the film was deeply touched and moved to tears.

　 　 　 　The film tells the story of four children from three families who, in order to have a reunion dinner with their parents, traveled for 500 kilometers after two days of ice and fire, and finally reunited with their parents. At the script seminar, the propaganda minister of Hebi Municipal Committee and a member of the Henan Provincial Inspection Team of the Communist Party of China said: "China’s rapid development is due to Chinese’s diligence. In order to develop, parents have reduced their time with their children, and both parents and children have patience and dedication. It is well known that China has made great contributions to the development of the world, so the world should thank China and China’s parents and children."

　 　 　 　After attending the international film festival, the film "Little Boy with a Reunion Dinner" aroused widespread resonance and response. Up to now, it has been nominated for the best costume design, the most talented new director, the jury award, the best foreign language film actor and the best foreign language film at the 17th London World Film Festival. Won the best children’s film at Tagore International Film Festival; Best film at Drucker International Film Festival; Best Photography Award, Best Supporting Actress Award and Most Potential Actor Award in the 5th Golden Elephant Children’s Film Week. 　 　

　 　 　 　In addition, the film has been shortlisted for 12 international film festivals, including South Africa International Film Festival and Bristol International Film Festival, and has been shown and exchanged in London, Johannesburg, South Africa, Delhi, Sweden, Moscow, Russia, Bristol, Turkey, Istanbul, Bhutan and Ukraine, making it an excellent children’s film undertaking international cultural exchanges.

　 　 　 　After the filming was completed, Golden Boy Elephant Children’s Film Week proposed to set November 20th as "International Companionship Day" every year, so as to let the heart return and love go home.　

In blade 3 of otherness, it is necessary to decide the order of playing cards according to whether there are heroes in the first round, the second round and the third round, which can give a high evaluation.

List of details of the chain Amazing strategy

1. There are heroes in the first round.

The first round: choose [hero]. The first one sends out [high TP attack], the second one sends out [low TP role], and the third one sends out [low TP tank]. After completing the instruction, take back [high TP attack].

The second round: Select [Attack Class]. The first one comes out [the first round of high TP attack], and the second one comes out [the tank]. Because there is already a bonus, it must be 100% this time. Take back [the high TP attack].

The third round: choose [non-second round partner]. First issue [non-high-TP attack], then issue an [auxiliary] when it is almost 100%, and keep the value at 99%. Finally, issue [high-TP attack recovered twice] and directly hit off the charts. AMAZING!

Round 4: Select [Partner for Round 2/Round 3]. All three recovered cards were typed to make up 100%.

Round 5: Choose [Ouroborosaurus]. First issue [non-high TP attack], then issue [auxiliary], and stick the value at 99. Finally, issue [recover three high TP attacks] to continue off the charts. AMAZING!

2. There are heroes in the second round

The first round: Select [Attack Category]. The first one sends out [high TP attack], the second one sends out [low TP role], and the third one sends out [low TP tank]. After completing the instruction, take back [high TP attack].

The second round: choose [hero]. The first one comes out [the first round of high TP attack], and the second one comes out [the tank]. Because there is already a bonus, it must be 100% this time. Take back [the high TP attack].

Round 3: Choose [non-first-round partner]. First issue [non-high-TP attack], then issue an [auxiliary] near 100, and keep the value at 99%. Finally, issue [recover two high-TP attacks] and directly hit off the charts. AMAZING!

Round 4: Select [First Round/Third Round Partner]. All three recovered cards were typed to make up 100%.

Round 5: Choose [Ouroborosaurus]. First issue [non-high TP attack], then issue [auxiliary], and stick the value at 99. Finally, issue [recover three high TP attacks] to continue off the charts. AMAZING!

3. There are heroes in the third round

The first round: Select [Attack Category]. The first one sends out [high TP attack], the second one sends out [low TP role], and the third one sends out [low TP tank]. After completing the instruction, take back [high TP attack].

The second round: choose [non-first round partner]. The first one comes out [the first round of high TP attack], and the second one comes out [the tank]. Because there is already a bonus, it must be 100% this time. Take back [the high TP attack].

The third round: choose [hero]. First issue [non-high-TP attack], then issue an [auxiliary] when it is almost 100%, and keep the value at 99%. Finally, issue [high-TP attack recovered twice] and directly hit off the charts. AMAZING!

Round 4: Select [First Round/Second Round Partner]. All three recovered cards were typed to make up 100%.

Round 5: Choose [Ouroborosaurus]. First issue [non-high TP attack], then issue [auxiliary], and stick the value at 99. Finally, issue [recover three high TP attacks] to continue off the charts. AMAZING!

4. No heroes in the first three rounds

The first round: Select [Attack Category]. The first one sends out [high TP attack], the second one sends out [low TP role], and the third one sends out [low TP tank]. After completing the instruction, take back [high TP attack].

The second round: choose [non-first round partner]. The first one comes out [the first round of high TP attack], and the second one comes out [the tank]. Because there is already a bonus, it must be 100% this time. Take back [the high TP attack].

Third Round: Choose [First Round/Second Round Partner]. First issue [non-high-TP attack], then issue an [auxiliary] when it is almost 100%, and keep the value at 99%. Finally, issue [high-TP attack recovered twice] and directly hit off the charts. AMAZING!

The fourth round: choose [Octopus] (never choose a hero! ! ! )。 Playing cards is the same as the third round, AMAZING!

Chain rule

evaluation criterion

More than 100% is COOL, more than 150% is BRAVO and more than 200% is AMAZING.

Matters needing attention in card selection

1. If you choose an attack card, you will get an extra TP when you play an attack role.

2. If you choose the hero card, you won’t consume the chain meter.

3. After completing the instructions of a pair of partners, unlock the snake, and if it is not selected, the next round will disappear.

4. The Ouroboros command will not reduce the chain meter, and all team members who have completed the action can act again.

Rules of playing cards

1. The first attack character has a high TP bonus.

2. The ending of the tank role can recycle the role with the highest TP bonus.

3. Auxiliary roles can make the value not exceed 100%.

　　[Pacific Auto Network] On the evening of February 28th, the new model (|) was officially launched. The price range of the new car was 1298-165800, and five models were launched. As a small modified model, the new car has little difference in appearance. The big change lies in the shift mode of the new car, from the previous knob shift to the original shift area, which is replaced by the wireless charging panel. In addition, the configuration of the new car has also been upgraded, such as steering wheel adjustment added to 4-way adjustment, V2L external discharge, Type-C charging interface, 32 OTA upgrades of the car, new UI interface of the car and so on.

　　In terms of design, the new car still maintains the very smart and compact figure of the old model, and the overall outline adopts a more rounded design style. The oval headlight group cooperates with the through air inlet below, which greatly improves the recognition of the new car. In addition, the brand-new rim shape also makes the car look more fashionable.

　　In terms of the tail, the design of the new car tail is round and full, and the large-size trapezoidal license plate area matches the straight edge of the trunk lid, further enriching its overall layering.

　　In terms of body size, the length, width and height of the new car are 4235/1825/1596mm and 2650mm respectively. In terms of configuration, the new car provides optional front camera, active air intake grille, probe, exterior rearview mirror with camera, skylight and rear radar probe.

　 　 　 　 The interior design of the new car, like the old model, is still covered with a lot of soft leather materials, and the interior of the contrast design is very textured. All-liquid crystal instrument+central control panel, and there is a penetrating air conditioning outlet below, which further enhances the vision of the whole interior.

　 　 　 　 The double-amplitude steering wheel specially designed for women has a thin shape, which makes it more convenient for girls to operate. At the same time, the new model has been changed to electronic gear design, which saves more space than the previous knob shift, while the original knob shift area has been changed to a large-size wireless charging panel, which is consistent with the current models of Euler such as ballet cats.

　　In terms of power, the new car continues the power of the old model, and is equipped with a model TZ153XS000 drive motor produced by United Automotive Electronics Co., Ltd., which is 105kW(143PS) and has a peak value of 210 N m. The matching battery is the tri-lithium ion battery pack produced by Honeycomb Energy Technology Co., Ltd., which can realize the NEDC cruising range of 501km. (Text: Pacific Auto Ke Kaiwen Photo: Ji Jipeng)

In the booming domestic electric vehicle market, there are many options for electric vehicles below 300,000, but when the price rises to 500,000, the selection range is relatively narrow.

500 thousand, buy an electric car, who will you think of?

Recently, I once again experienced the level of a 500,000-yuan electric car, yes, once again. When this car first came on the market, I was deeply impressed by the first test drive. It’s called EQE.

Modeling: elegance and exquisiteness coexist.

EQE still adopts a family-like front face design similar to EQS, but it is slightly different from EQS’s fashion pioneer sense. EQE’s shape takes care of the preferences of daily car users and is relatively more acceptable: the closed grille with the star emblem logo has a very high recognition, and the three-stage design surrounded by digital headlights and bottom makes the front face look more sporty; The 4.9-meter-long car and the 3.1-meter-long car body maintain smooth lines while ensuring enough space. The lower ground clearance and the two-color low wind resistance wheels further highlight the car’s sense of movement. The slip-back body shape and the duck tail design at the top of the rear trunk reflect the sporty atmosphere integrated with the whole vehicle in the roundness.

When you get into the car, you can clearly see that the old luxury enterprises have a unique understanding of luxury and intelligence. The overall layout of the car continues the design style of EQS, but it is different. 12.3-inch instrument screen, 12.8-inch central control screen, with exquisite walnut decorative board, the luxurious atmosphere is full at once.

Mercedes-Benz EQE is equipped with MBUX intelligent human-computer interaction system, which uses 8-core CPU, 24GB storage and 46.4GB memory bandwidth per second to ensure the fluency of the operating system. In addition, a group of physical buttons are reserved under the central control screen, including driving mode switching, parking images, EQ energy interface, etc., which can satisfy car owners who prefer the touch of physical buttons.

In terms of configuration, EQE is equipped with L2-level driver assistance component enhanced version, which integrates many driver assistance functions, such as intelligent navigation distance limiting function, intelligent navigation steering function, etc., and realizes the functions of full-screen display of navigation information, AR real-life navigation and 3D indoor map, realizing people-centered convenience, which is the scientific and technological concept that Mercedes-Benz EQE adheres to.

Driving: swiftness and comfort coexist

We can think about it with our eyes closed, and what is the battery life of mainstream electric vehicles now, ranging from 500 to 600 kilometers. Mercedes-Benz EQE is being developed based on the EVA platform, equipped with a power battery with a total capacity of 96.1kWh and NCM811 batteries, thus achieving a cruising range of up to 752 kilometers under CLTC conditions. At the same time, the car also supports a maximum of 128 kilowatts of DC charging, from 10% to 80% in 48 minutes.

EQE 350, which was put on the market in advance, uses a rear-drive permanent magnet synchronous motor, with a maximum power of 215kW and a peak torque of 556 N m. It only takes 6.7s to accelerate from 0 to 100 km/h, and the power consumption per 100 km is as low as 13.7kWh.

The first time I drove Mercedes EQS, I had a strong feeling that it was an electric car more suitable for "bosses" to drive themselves, although most of them would have their own full-time drivers. After two test drives of EQE, or out of a more compact body than the flagship EQS, I feel that this car is more suitable for driving by myself. Especially in the case of the blessing of technology such as active steering of rear wheels, this feeling will be more obvious.

In terms of power output, Mercedes-Benz EQE feels linear output in economy and comfort mode, relaxed but not impatient, and can experience the smoothness of driving while driving. When switching to sports mode, the power is abundant and the acceleration is very sensitive. But this sensitivity is also based on the "steady progress" and will not make you feel particularly abrupt. It feels like a large-displacement fuel car, and it is silky.

Mercedes-Benz EQE’s power steering and shock absorption adjustment are also very delicate. After a finely bumpy road section, the chassis adjustment of Mercedes-Benz EQE makes the car basically feel no vibration, while when passing through a large pothole road, the road feel will be clearer, but the front seats can absorb most of the shock. I deliberately chose some sections with continuous speed bumps to pass through many times, and even the photographer sitting straight in the back row did not feel too uncomfortable bumps.

Write at the end:

In the electric vehicle market segment of 500,000 yuan, EQE, which has the advantages of endurance and brand influence, is one of the "star" projects that will definitely be taken seriously. In this price range, who can choose without EQE?

Original title: "Test drive Mercedes-Benz EQE: 500,000-class luxury electric, who else can you choose if you don’t choose it? 》

Read the original text

Since the beginning of this year, under the strong leadership of the CPC Central Committee with the Supreme Leader as the core, the economic operation in the first quarter of the 14th Five-Year Plan has started well, showing the resilience and vitality of China’s economy. On April 23rd, State Taxation Administration of The People’s Republic of China released ten sets of tax data, which reflected that China’s economic operation in the first quarter showed a good trend of stability and consolidation.

According to the relevant person in charge of State Taxation Administration of The People’s Republic of China, there are two main reasons for the high growth rate of various indicators in the first quarter:On the one hand,In the first quarter of this year, the effectiveness of China’s overall epidemic prevention and control and economic and social development continued to show, a series of policy effects were continuously released, and the domestic and international market demand picked up. In addition, during the Spring Festival this year, many places advocated celebrating the New Year on the spot, and the employees’ arrival at their posts was significantly better than in previous years, which effectively promoted the accelerated production of enterprises and improved efficiency;On the other hand,In the first quarter of last year, affected by the epidemic, the base of various indicators was low, which brought about a higher increase in various indicators in the first quarter of this year. Therefore, to correctly read the economic situation in China in the first quarter, we should not only look at the year-on-year growth under the background of the epidemic in the first quarter of last year, but also look at the growth compared with the same period without the epidemic in the first quarter of 2019. On this basis, calculating the two-year average growth rate can reflect the economic operation situation more objectively and comprehensively.

First, the sales revenue of enterprises nationwide increased by an average of 12.8% in two years, and the production and operation of enterprises improved steadily.

General Secretary of the Supreme Leader stressed that it is necessary to promote enterprises to play a greater role in achieving greater development and to accumulate basic strength for economic development. The tax authorities have conscientiously implemented the arrangements of the CPC Central Committee and the State Council, implemented preferential policies for reducing taxes and fees through the implementation mechanism of the "one pole at a time" policy, vigorously promoted high-quality and efficient intelligent tax and fee services, and helped enterprises "travel light".

According to the data of VAT invoice, in the first quarter of 2021, the sales revenue of national enterprises increased by 50.5% year-on-year, 27.2% compared with the same period in 2019, and the average growth rate in two years was 12.8%, which continued the steady and good growth trend since the second half of last year.

Two, the national manufacturing sales revenue increased by 9.6% on average for two years, and the industry maintained a stable recovery trend.

Manufacturing is an important foundation of the real economy. General Secretary of the Supreme Leader has repeatedly emphasized the important role of manufacturing industry and clearly pointed out that efforts should be made to build a modern industrial system supported by advanced manufacturing industry. In the 2021 Government Work Report, Premier Li Keqiang proposed that the focus of economic development should be on the real economy and the proportion of manufacturing industry should be basically stable. Since the beginning of this year, a series of preferential tax and fee policies to support the development of manufacturing industry have been effective, which has effectively promoted the development of manufacturing industry.

According to the data of VAT invoice, in the first quarter of 2021, the national manufacturing sales revenue increased by 49.7% year-on-year, by 20.2% compared with the same period in 2019, and by 9.6% on average in two years. Among them, the equipment manufacturing industry increased by 59.7% year-on-year, with an average growth rate of 10.8% in two years, which was faster than the average level of manufacturing industry.

The rapid development of manufacturing industry has effectively stimulated the accelerated recovery of industry. According to the VAT invoice data, in the first quarter of 2021, the sales revenue of industrial enterprises nationwide increased by 46.7% year-on-year, 19.6% over the same period of 2019, and the average growth rate was 9.3% in two years. Among the 41 major industries, the average growth rate of 38 industries increased in two years, and the average growth rate of 18 industries exceeded 10% in two years.

Third, the sales revenue of high-tech industries increased by an average of 19% in two years, and innovation and development were accelerated.

The outline of the "14th Five-Year Plan" proposes to persist in innovation-driven development and comprehensively shape new development advantages. In the 2021 Government Work Report, Premier Li Keqiang emphasized that innovation should be the core of China’s overall modernization, and self-reliance through science and technology should be the strategic support for national development. In recent years, the proportion of R&D expenses plus deduction has been increasing, and various tax policies supporting scientific and technological innovation have been effectively implemented, which has promoted the continuous enhancement of enterprises’ scientific and technological innovation ability.

According to the data of VAT invoice, in the first quarter of 2021, the sales revenue of China’s high-tech industries increased by 53% year-on-year, 41.6% over the same period of 2019, and the average growth rate in two years was 19%, which was faster than the national average. The investment in science and technology of enterprises continued to increase, and the amount of purchasing scientific research equipment such as photoelectric instruments increased by 62.3% year-on-year, with an average increase of 17.1% in two years. The transformation of scientific and technological innovation achievements was accelerated, and the sales revenue of professional technical services, R&D and design services and transformation services of scientific and technological achievements increased rapidly, increasing by 60.1%, 63.1% and 102.5% respectively, with an average increase of 19%, 22.3% and 46.4% respectively in two years.

Four, the country’s newly established tax-related market entities grew by an average of 16.1% in two years, effectively stimulating market vitality.

Market subject is the carrier of economic strength, and protecting market subject means protecting social productive forces. In recent years, as a key measure to stimulate the vitality of market players and develop endogenous power, a series of policy dividends such as tax reduction and fee reduction and the "streamline administration, delegate power, strengthen regulation and improve services" reform have been released continuously, and the number of newly established tax-related market players has been increasing.

According to State Taxation Administration of The People’s Republic of China data, in the first quarter of 2021, there were 2.792 million new tax-related market entities in China, up 86% year-on-year, up 34.9% compared with the same period in 2019, with an average growth of 16.1% in two years. Among them, in the first quarter of 2021, the number of new individual industrial and commercial households increased by 101% year-on-year, up by 36% over the same period of 2019, with an average growth of 16.6% in two years.

As an important force to promote economic and social development, the number of newly established tax-related market entities in the private economy is 2.758 million, accounting for 98.8% of the total number of households, an increase of 0.3 percentage points over the same period of last year. Driven by a series of policies to help enterprises out of difficulties, the sales revenue of private economy increased by 54.5% year-on-year, with an average increase of 14.7% in two years.

Five, the enterprise investment in environmental protection equipment has increased by more than 10% on average in two years, and the green industry has sufficient development potential.

The General Secretary of the Supreme Leader stressed that it is necessary to deepen reform around promoting comprehensive green transformation, establish and improve the economic system of green and low-carbon circular development, and push China’s green development to a new level. The outline of the 14th Five-Year Plan proposes to promote green development and harmonious coexistence between man and nature. The tax authorities firmly establish the development concept of "Lucid waters and lush mountains are invaluable assets", give full play to the role of tax leverage, encourage enterprises to increase investment in environmental protection, and actively transform to green and low carbon.

According to the VAT invoice data, in the first quarter of 2021, the eco-environmental protection related industries accelerated, and the sales revenue of the eco-protection industry increased by 83.4% year-on-year, 53.6% over the same period of 2019, with an average growth of 23.9% in two years. The investment in environmental protection equipment increased, and the procurement of pollution prevention equipment and environmental monitoring instruments by enterprises increased by 63.5% and 54.9% respectively, with an average increase of 12.7% and 11.7% respectively in two years.

Six, the national retail sales revenue increased by an average of 13.4% in two years, and the consumer market continued to recover.

The Fifth Plenary Session of the 19th CPC Central Committee put forward the strategic basic point of expanding domestic demand. In the 2021 Government Work Report, Premier Li Keqiang called for the establishment of an effective system to expand domestic demand, promote consumption in an all-round way, and accelerate the cultivation of a complete domestic demand system. From the central government to the local government, the implementation of a series of preferential tax policies to promote residents’ consumption and expand domestic demand has effectively boosted residents’ consumption confidence.

According to the VAT invoice data, in the first quarter of 2021, the national retail sales revenue increased by 52.9% year-on-year, by 28.7% compared with the same period in 2019, and by an average of 13.4% in two years. Among them, the retail income of food and beverage, textile and clothing increased by 62% and 54.2% respectively, with an average increase of 28% and 16.7% respectively in two years. At the same time, some upgraded consumption increased significantly, and the sales revenue of jewelry, watches and clocks, health care and medical equipment increased by 75.4%, 88.6% and 73.2% respectively.

Since the outbreak, online education, Internet diagnosis and treatment, telecommuting and other new formats and new modes have become new kinetic energy to activate consumption potential. In the first quarter of 2021, the sales revenue of digital cultural services and residential Internet services increased by 60.3% and 65.4% respectively year-on-year, and continued to maintain rapid growth from last year’s high base.

Seven, the amount of investment in communication equipment by enterprises increased by more than 10% on average in two years, and the investment structure was gradually optimized.

General Secretary of the Supreme Leader stressed that it is necessary to seize the opportunities given by industrial digitalization and digital industrialization and accelerate the construction of new infrastructure such as 5G networks and data centers. In accordance with the deployment of the CPC Central Committee and the State Council, the tax authorities actively implemented various preferential tax policies to support the development of new infrastructure industries, effectively promoting the gradual optimization of investment structure.

According to the data of VAT invoice, in the first quarter of 2021, the amount of communication access, mobile communication and communication transmission equipment purchased by enterprises increased by 78%, 72.9% and 46.7% respectively, with an average increase of 10.3%, 15.8% and 10.6% respectively in two years.

Eight, the amount of construction machinery purchased by construction enterprises increased by an average of 17.6% in two years, and the investment increased steadily.

The construction industry is one of the pillar industries of the national economy, which is closely related to the national economic development and the improvement of people’s livelihood. In the first quarter of 2021, the sales revenue of civil engineering construction industry increased by 44.8% year-on-year, with an average increase of 15.8% in two years, continuing the rapid growth trend since the fourth quarter of last year. The demand of construction enterprises for machinery and equipment has increased, and the amount of construction machinery purchased by construction enterprises has increased by 84.7% year-on-year, up by 38.3% compared with the same period in 2019, with an average increase of 17.6% in two years. Among them, the purchase of tower cranes, engineering drilling rigs, concrete machinery, digging and shoveling transportation equipment increased by 56.3%, 37.6%, 33% and 28% on average in two years respectively.

Nine, the domestic purchase amount of export enterprises increased by an average of 16% in two years, and foreign trade is expected to continue to improve.

The high-quality development of foreign trade is an important driving force for China’s economic growth. The tax authorities have actively implemented export tax rebate facilitation measures, continuously simplified the tax rebate process, compressed the time limit for tax rebate processing, and effectively eased the pressure on enterprises to occupy funds.

In the first quarter of 2021, the recovery of overseas demand continued to drive the rapid growth of China’s exports. The domestic purchase amount of national export enterprises increased by 46.5% year-on-year, 34.5% compared with the same period of 2019, with an average growth rate of 16% in two years, and the average annual growth rate was 2.9 percentage points higher than the national average.From the perspective of export market,The purchase amount of enterprises with RCEP (Regional Comprehensive Economic Partnership Agreement) member countries, countries (regions) along the "Belt and Road" and the European Union as the main export markets increased by 50.7%, 49.4% and 48.8% respectively, and continued to maintain a high growth level.From the perspective of export industry,Export enterprises such as electrical and mechanical equipment, special equipment and general equipment manufacturing have a strong willingness to purchase, and the purchase amount has increased by more than 50% year-on-year, reflecting that the export situation of mechanical and electrical products and high-tech products is good, and the expectation of expanding production in related industries has increased.

Ten, the sales revenue of agricultural machinery products increased by an average of 40% in two years, and agricultural mechanization was steadily advanced.

Agricultural mechanization and agricultural machinery and equipment are important foundations for changing agricultural development mode and improving rural productivity, and are important supports for implementing rural revitalization strategy. General Secretary of the Supreme Leader pointed out that it is necessary to put the development of agricultural science and technology in a more prominent position and vigorously promote agricultural mechanization and intelligence. The tax authorities play an active role in promoting the level of agricultural technology and equipment in China.

According to the data of VAT invoice, in the first quarter of 2021, the sales of agricultural machinery products continued to improve in 2020, and the sales revenue increased by 78.7% year-on-year, 95.9% over the same period of 2019, with an average growth of 40% in two years.

In the next step, the national tax system will be guided by Socialism with Chinese characteristics Thought of the Supreme Leader in the New Era, conscientiously implement the spirit of the Central Economic Work Conference and the Government Work Report, implement the Opinions on Further Deepening the Reform of Tax Collection and Management issued by the Central Office and the State Council, actively explore the use of big data to carry out multi-level tax economic analysis in a timely and in-depth manner, serve micro-market players, serve economic and social development, serve national macro-decision-making, and build a new development pattern, achieve high-quality development, and start an all-round building society.

Adhering to the people-centered principle is one of the basic strategies for upholding and developing Socialism with Chinese characteristics in the new era. Community is the most basic living place for people, and the starting point of community planning and construction is the vital interests of the grassroots. In August, 2020, 13 departments, including the Ministry of Housing and Urban-Rural Development, jointly issued the Opinions on Carrying out the Short-board Action of Urban Residential Community Construction, and at the same time issued the Standard for the Construction of Complete Residential Community (Trial), which clearly stated that the goal is to build a safe, healthy, well-equipped and well-managed complete residential community, and the supporting facilities of residential community should be improved as the focus, and the short-board action of residential community construction should be vigorously carried out. Residential community is the basic unit of urban residents’ life and urban governance, bearing the people’s hopes for a better life. It is of great significance to comprehensively improve the quality and service level of infrastructure construction in residential communities to enhance people’s sense of acquisition, happiness and security.

Foundation first, improve people’s basic needs for a better life

Infrastructure such as water, electricity, gas, heat and communication is an important guarantee for the normal life of community residents. Due to the early construction, the problems such as the erection of wires from a distance and the aging of pipelines have not only brought serious troubles to the lives of some residents in old communities, but also caused a huge waste of resources and energy. In July 2020, the General Office of the State Council issued the Guiding Opinions on Comprehensively Promoting the Renovation of Old Urban Residential Areas (hereinafter referred to as "Guiding Opinions"), which clearly stated that starting from the most direct and realistic interests that the people are most concerned about, the residents’ opinions should be solicited and the renovation contents should be reasonably determined, and the supporting facilities of residential areas and municipal infrastructure should be improved. In the process of community transformation, we should adhere to the principle of "underground first, then above ground", give priority to the transformation of underground pipelines such as water supply, rainwater, sewage, gas, electricity and communication, and upgrade public infrastructure such as roads, fire protection, charging, lighting and domestic waste sorting. Implement the concept of sponge city, protect and restore the community ecosystem, build a sponge community, effectively combine natural channels with manual measures, comprehensively adopt the measures of "infiltration, stagnation, storage, purification, use and discharge", and carry out roof greening, rainwater storage and collection and utilization, and micro-topography construction according to local conditions through combined design, so as to scientifically and orderly promote the transformation of rainwater and sewage diversion and mixed connection in the community with separate system, and maximize the realization of rainwater in the residential community. Actively promote the classification of domestic waste, improve the facilities for classified delivery, classified collection and classified transportation, and at the same time strengthen publicity to make the awareness of garbage classification deeply rooted in the hearts of the people.

The Guiding Opinions pointed out that by the end of the Tenth Five-Year Plan period, we should strive to basically complete the task of rebuilding old urban communities that need to be rebuilt before the end of 2000 in light of local conditions. As far as the current situation is concerned, the task of transformation is arduous. On the one hand, it is necessary to ensure capital investment and establish a long-term mechanism. The government, residents and social forces should share the burden reasonably and improve the long-term management mechanism of the community. On the other hand, community residents and professional and technical personnel should participate extensively, encourage planners and engineers to enter the community, improve the renovation design and refined governance level of old residential areas, promote the construction and renovation of community human settlements in a simple, moderate, green and low-carbon way, and strive to improve the functional quality of the community.

Overall coordination to ensure the healthy circulation of urban water system

Urban water system is a comprehensive system based on water cycle, water flux as the medium, water facilities as the carrier, water safety as the goal and water management as the means. Residential community is the spatial carrier of domestic water and sewage discharge of the broad masses of people, an important place for the conversion of material flow and energy flow, and a key node of urban water system. At present, the overall efficiency of urban water system in China needs to be improved. According to the Statistical Yearbook of Urban Construction in 2020 published by the Ministry of Housing and Urban-Rural Development, the leakage of urban public water supply network in China is about 7.85 billion cubic meters, accounting for about 13% of the total urban public water supply, which is still far from the goal that the leakage rate of water supply network is less than 10% in the Outline of Industry Development Plan for Urban Water Affairs in 2035. The concentration of influent biochemical oxygen demand (BOD) in some sewage treatment plants in China is less than 100 mg per liter. It is urgent to systematically investigate the reasons for the low influent concentration around the pipe network in the service area and steadily improve the efficiency of sewage collection and treatment facilities. Due to the influence of extreme climate and the imperfect drainage and waterlogging prevention engineering system, urban waterlogging incidents occur from time to time, and the urban drainage and waterlogging prevention engineering system of "source emission reduction, pipe network discharge, simultaneous storage and drainage, and emergency exceeding the standard" needs to be improved urgently.

The upgrading and transformation of community infrastructure should not only meet the basic service needs of community residents, but also organically combine with the overall improvement of municipal facilities system functions, and implement the overall layout and policy requirements of the state on improving the quality and efficiency of each subsystem of urban water system. In terms of urban water supply, the General Office of the Ministry of Housing and Urban-Rural Development issued the "Guidelines for the Measurement and Management of Urban Water Supply Pipe Network by District-Construction of Water Supply Pipe Network Leakage Control System" (for Trial Implementation) in 2017, guiding local governments to take the measurement and management of urban water supply pipe network as the starting point, strengthen the leakage control of urban water supply pipe network with systematic ideas, improve the level of refined and information management of water supply pipe network, and enhance the ability of water supply security. In practice, we should combine the construction of complete community, the renovation of old residential areas, the renovation of shanty towns and the renovation of secondary water supply facilities, formulate the implementation plan of metering management in different areas of the pipe network according to local conditions, design and implement it synchronously with the construction and renovation of the pipe network, coordinate water metering and water pressure control, water quality safety and facilities management, pipe network operation and business charge management, and build a pipe network leakage control system. In terms of urban sewage treatment, the National Development and Reform Commission and the Ministry of Housing and Urban-Rural Development in 2020 issued the "Implementation Plan for Supplementing Shortboards and Strengths of Urban Domestic Sewage Treatment Facilities", which clearly proposed to combine the renovation of old residential areas and municipal roads, promote the connection construction of branch pipe networks and outdoor pipes, supplement "capillaries", and implement mixed connection, missed connection, and renovation of old and damaged pipe networks to improve the efficiency of sewage collection. In terms of urban waterlogging control, the General Office of the State Council issued the Implementation Opinions on Strengthening Urban Waterlogging Control in 2021.It is clearly put forward that priority should be given to solving the problems of waterlogging in residential communities, mixed connection of rainwater and sewage pipe networks, etc. By disconnecting the rainwater pipes of buildings, optimizing the vertical design, and strengthening the elevation connection of buildings, roads, green spaces, landscape water bodies, etc., rainwater overflow can be discharged into drainage pipe networks, natural water bodies or recycled after collection.

Green and low carbon help the city achieve the goal of "double carbon" as scheduled.

Realizing peak carbon dioxide emissions and carbon neutrality is an important strategic decision made by the CPC Central Committee with the Supreme Leader as the core, an inevitable choice to solve the outstanding problems of resource and environment constraints, realize the sustainable development of the Chinese nation, and a solemn commitment to build a community of human destiny. In October, 2021, the State Council issued "peak carbon dioxide emissions Action Plan before 2030", which clearly stated that the green production lifestyle was widely implemented during the Tenth Five-Year Plan period. Building green towns and communities. From the international experience, the improvement of residents’ quality of life will push up the per capita carbon emission level, and the essence of community renewal and transformation is to improve residents’ quality of life, and to actively intervene in green technology and green lifestyle to prevent the future increase of community carbon emissions. At the community level, the primary goal is to realize people’s high-quality life, and at the same time, we should popularize green lifestyles such as water saving, garbage sorting and food saving, enhance residents’ acceptance of green lifestyles, and ensure the smooth implementation of the national "double carbon" strategy. In the process of community infrastructure renovation, franchise units should seize the important opportunity of community renovation and old residential area renovation, speed up the renovation of underground pipe network, adopt new sewage collection and rainwater utilization technologies, comprehensively improve the efficiency of infrastructure operation system, and reduce the background energy consumption and carbon emission level of infrastructure operation in the community. Promote green technologies such as the integration of plants, networks and rivers, the utilization of reclaimed water and the management of non-profitable water, strengthen the construction of smart water, and realize the systematic carbon emission reduction of urban water system from the source to the end of the community. Code for Design of Outdoor Drainage(GB50014-2021) clearly requires that when sewage collection and centralized treatment facilities have been built in cities and towns, septic tanks should not be set in the separate drainage system. Septic tanks will not only intercept COD (carbon source) and affect the influent concentration of sewage treatment plants, but also anaerobically convert the intercepted COD into greenhouse gases such as methane. At present, the urban sewage treatment rate in China has reached 97.53%. In the process of community sewage facilities renovation, canceling the septic tank construction according to local conditions can not only reduce the renovation cost and urban greenhouse gas emissions, but also increase the influent concentration of sewage treatment plants and improve the operation efficiency of sewage treatment plants.

Scientific evaluation and building the bottom line of residential community safety

At present, China’s urban construction has entered a new stage of stock-based and high-quality development. Problems such as aging stock infrastructure, overloaded operation and untimely operation and maintenance may cause disasters and accidents. In 2021, the National Development and Reform Commission and the Ministry of Housing and Urban-Rural Development issued the "Notice on Strengthening the Construction of Supporting Facilities for the Renovation of Old Urban Residential Areas", clearly requiring the organization of relevant professional business units to jointly investigate the possible safety hazards of supporting infrastructure such as gas, electricity, drainage and heating, and public spaces. Safety is no small matter, and responsibility is greater than heaven. Community infrastructure construction should be based on security, expand the connotation of resilience, and integrate the concepts of intensive, green, intelligent and collaborative to build an infrastructure security system to help the high-quality development of the city. Safety awareness should run through the whole process of building a complete community and transforming old communities. In the process of compiling the community renewal and transformation plan, facilities such as gas, electricity, drainage and heating with potential safety hazards should be given priority as key contents. Involving gas, electricity, drainage, heating and other security risks, we should ensure that the security review does not leak items. Professional business units should implement safety responsibilities, strengthen the protection of construction and operation and maintenance forces, and eliminate potential safety hazards. Make full use of the Internet, big data, artificial intelligence and other information technologies, promote the construction of community intelligent disaster prevention and mitigation system, promote the sharing and application of data related to disasters and accidents, and accelerate the construction of community disaster comprehensive monitoring and early warning perception network and terminal equipment.

The report of the 19th National Congress of the Communist Party of China proposed to promote green development and carry out actions to create green communities. Green community is an inevitable choice for the development of modern cities and an important part of building beautiful China. The construction of green community should combine urban renewal and upgrading of existing housing, implement the concept of sponge city, integrate resilience elements and wisdom elements, realize the greening of community infrastructure, promote the improvement and sustainable development of municipal infrastructure system, and build urban ecological infrastructure system, so as to continuously improve people’s sense of acquisition, happiness and security.

Chang kui

Chief Engineer, Doctor, Senior Engineer, Ecological Municipal Institute of China Planning and Design Institute (Beijing) Co., Ltd. Long-term engaged in urban water environment improvement, sponge city construction, water system planning, ecological protection planning, municipal engineering and land space planning and other related professional fields. Participated in more than 20 planning, design and technical consulting projects, 4 national scientific research projects, 2 standard specifications and 4 monographs. He has won one second prize of Huaxia Construction Science and Technology Award, one first prize and two second prizes of National Excellent Urban and Rural Planning and Design Award, and one first prize of Provincial Excellent Urban and Rural Planning and Design Award. Participated in Yushu earthquake relief work, was responsible for the docking and coordination of Jiegu Town municipal engineering, and was awarded the title of "Advanced Individual in Yushu Earthquake Recovery and Reconstruction" by Yushu State Party Committee and Yushu State Government.

　　China Banking and Insurance Regulatory Commission recently issued "Guiding Opinions on Implementing Comprehensive Auto Insurance Reform (Draft for Comment)" (hereinafter referred to as "Draft for Comment"), which officially opened the comprehensive auto insurance reform. How to change it? China Banking and Insurance Regulatory Commission revealed that for consumers, in the case of expanding insurance liability and increasing the amount of protection, the premium expenditure will be significantly reduced; However, for property insurance companies, industry underwriting losses may occur in a certain period after the reform, and at the same time, market players will intensify differentiation, and small and medium-sized property insurance companies may have operational difficulties.

　　According to the data of China Banking and Insurance Regulatory Commission, the original premium income of auto insurance reached 818.8 billion yuan in 2019, accounting for over 60% of the total premium income of the industry, and it is still the main type of insurance in the property insurance industry.

　　Text/Guangzhou Daily All-Media Reporter Liu Ranran

　　The core of reform:

　　Consumer premiums will drop significantly.

　　China Banking and Insurance Regulatory Commission disclosed that giving full play to the decisive role of the market in the allocation of auto insurance resources is the focus of this reform, and many new adjustments are also carried out around this goal. For example, the "Exposure Draft" gives specific standards for the range of rate adjustment coefficients directly related to premiums. It is mentioned that it is a key step to combine the "independent channel coefficient" and "independent underwriting coefficient" into an "independent pricing coefficient".

　　In order to prevent the market from ups and downs and disorderly competition, the regulatory authorities decided to take this reform in two steps. The first step is to set the range of independent pricing coefficient at 0.65~1.35, and the second step is to fully liberalize it according to the progress of the reform. At the same time, in the initial stage of the comprehensive reform, the upper limit of the "independent pricing coefficient" of new cars will be temporarily tightened.

　　In this regard, the person in charge of the relevant departments in China Banking and Insurance Regulatory Commission said: "After the reform, the benchmark premium price of commercial auto insurance will drop sharply, and it is expected that the actual signing premium of consumers will also drop significantly."

　　China Banking and Insurance Regulatory Commission responded:

　　Consumers, insurance institutions and regulatory authorities all benefit.

　　China Banking and Insurance Regulatory Commission predicted that the comprehensive reform of auto insurance will have an impact on all aspects of the market: for consumers, with the expansion of insurance liability and the increase of insurance amount, the premium expenditure will be significantly reduced, which will undoubtedly benefit from the reform.

　　For property insurance companies, although the premium scale has declined, the increase in insurance coverage, the increase in insurance coverage, the growth of new cars and the improvement of grades will also be hedged; As the price of auto insurance returns to a reasonable level, the phenomenon of taking expenses by various illegal means will be significantly reduced, which can reduce leakage and tax expenditure, reduce compliance risks and improve the image of the industry.

　　For intermediary channels, the reform is conducive to obtaining legal and reasonable intermediary income, standardizing financial business management and reducing the risk of violation of laws and regulations.

　　For supervision, the comprehensive and smooth implementation of the reform will help solve the long-standing illegal problems in the auto insurance market and promote the optimization of supervision resources allocation.

　　A few consumers are more expensive to insure.

　　Small and medium-sized property insurance companies have operational difficulties.

　　What new situations may appear in this comprehensive reform of auto insurance? How to treat these changes and even challenges? China Banking and Insurance Regulatory Commission responded that there may be four new situations after the reform.

　　The first is the possibility that the scale of premium may decline. This reform not only recalculates the benchmark pure risk premium according to the actual risk, but also reduces the predetermined additional fee rate to 25%. After the reform, the benchmark premium price of commercial auto insurance will drop significantly, and it is expected that the actual signing premium of consumers will also drop significantly, and the overall auto insurance premium scale of the industry may decline to a certain extent.

　　Secondly, within a certain period after the reform, there may be industry underwriting losses. Due to the great efforts of this reform, there are more decentralization and decentralization. If the market players are not rational enough and the supporting regulatory measures can’t keep up, there may be a phenomenon of "chaos once released" in the short term, which will lead to industry underwriting losses and even affect the quality of claims service. Relevant supporting measures are considered in the Guiding Opinions. If measures such as promoting rational operation of market participants and standardizing market order are put in place, the risk of industrial underwriting losses should be effectively prevented.

　　Third, there may be operational difficulties for small and medium-sized property insurance companies after the reform. With the promotion of market-oriented competition, the phenomenon of "the strong will always be strong" is becoming increasingly obvious in many industries. The same is true of the property insurance market. Small and medium-sized companies are at a disadvantage as a whole and it is generally difficult to operate. It is expected that after the reform, market players will be more divided, and it will be more difficult for some small and medium-sized companies with weak competitiveness to operate, but this is a normal phenomenon of survival of the fittest under the market mechanism and is also conducive to forcing their professional transformation. At the same time, the Guiding Opinions put forward corresponding support policies. Including: supporting small and medium-sized property insurance companies to give priority to the development of differentiated, specialized and characteristic innovative products, giving more relaxed additional fee rates and other regulatory policies, and appropriately reducing the solvency regulatory requirements.

　　Finally, this reform recalculated the benchmark pure risk premium according to the actual risk situation, and there may be a few consumers who will see the premium price increase.

　　Seven major changes

　　1. The limit of compulsory insurance is raised to 200,000.

　　Increase the total liability limit for compulsory insurance from 122,000 yuan to 200,000 yuan, including the death and disability compensation limit from 110,000 yuan to 180,000 yuan, the medical expenses compensation limit from 10,000 yuan to 18,000 yuan, and the property loss compensation limit remains unchanged at 0.2 million yuan.

　　The liability compensation limit is adjusted according to the same proportion, in which the death and disability compensation limit is increased from 11,000 yuan to 18,000 yuan, the medical expenses compensation limit is increased from 1000 yuan to 1,800 yuan, and the property loss compensation limit remains unchanged in 100 yuan.

　　2. Three liability insurance can be up to 10 million.

　　Raise the liability limit of commercial three liability insurance from 50 thousand to 5 million yuan to 100 thousand to 10 million yuan. This promotion mainly takes into account the level of economic and social development and meets higher risk protection needs.

　　3. Seven items including broken glass are included in the insurance liability.

　　The main insurance clause of vehicle damage insurance adds seven aspects of insurance liability, namely, vehicle theft, glass breaking alone, spontaneous combustion, engine wading, excluding the odds, designating a repair shop, unable to find a third-party special agent, and supports the industry to develop additional insurance products such as wheel loss insurance and medical insurance external drug liability insurance.

　　The reporter interviewed people in the insurance industry and learned that the seven insurance liabilities increased by the main insurance of car damage insurance belonged to seven additional risks in the past, and consumers can only obtain corresponding protection by insuring the corresponding additional risks. However, the Guiding Opinions put additional risks into the car damage insurance clause, which greatly improved the coverage of car damage insurance, especially in the case of engine wading and broken glass alone, which will be easier to deal with in the future.

　　4. Formulate auto insurance value-added service insurance clauses such as driving on behalf of others.

　　There are several clauses in the Draft for Comment, which support the industry to expand the scope of commercial auto insurance protection responsibility under the principle of basically not increasing consumer premium expenditure. For example, guide the industry to reasonably delete the exemption clauses that are likely to lead to claims disputes in practice, and reasonably delete the exemption agreements such as accident liability exemption rates and the inability to find third-party exemption rates.

　　Formulate model clauses for new energy auto insurance, accident insurance for drivers and passengers, and extended warranty insurance for motor vehicles, explore the development of innovative products such as motor vehicle mileage insurance (UBI) in new energy vehicles and qualified traditional vehicles, and formulate model clauses for auto insurance value-added service insurance including inspection, road rescue, driving service and safety inspection.

　　5. Consumers who have not paid compensation are more favorable.

　　On the basis of increasing the liability limit of compulsory insurance, combined with the comprehensive payout ratio level of compulsory insurance in various regions, the regional floating factor is introduced into the rate adjustment coefficient of road traffic accidents, and the upper limit of the floating rate remains unchanged at 30%, and the downward floating rate is expanded from the original lowest -30% to -50%, thus improving the preferential rate for consumers who have not paid compensation. This also means that the preferential rate for consumers who have not paid compensation is higher than before, which is a good thing for car owners with good driving behavior.

　　6. The upper limit of the handling fee ratio is lowered

　　The upper limit of the surcharge rate for commercial auto insurance products will be lowered from 35% to 25%, and payout ratio is expected to increase from 65% to 75%. Timely support property insurance companies to report and file commercial auto insurance products in online sales, electricity sales and other channels with the upper limit of additional expenses below 25%.

　　According to the actual risk situation in the market, the pure risk premium of commercial auto insurance industry is re-calculated, and a normalization mechanism for calculating the pure risk premium of commercial auto insurance industry adjusted every 2~3 years is established.

　　Guide the industry to expand the scope of payment records from the previous year to the first three years when drawing up the preferential coefficient of non-compensation for commercial auto insurance, and reduce the rate increase of accidental payment to consumers.

　　Guide the industry to reasonably set the upper limit of the handling fee ratio according to the upper limit of the additional fee rate of commercial auto insurance products, the actual market operation and the differences of market entities, and reduce the excessive handling fee level in some fields.

　　7. Implement auto insurance real-name registration system and promote electronic insurance policies.

　　On the basis of protecting consumers’ right to know and choose, property insurance companies are encouraged to provide consumers with more convenient auto insurance underwriting claims services through electronic insurance policies.

　　Property insurance companies should strengthen the identity verification of the insured, do a good job in policy signature, clause explanation and exemption explanation, promote real-name payment, promote information transparency, prevent misleading sales, advance premiums, and sign on behalf of consumers, and safeguard the legitimate rights and interests of consumers.

　　Strengthen the research on new technologies and applications such as car networking, new energy and autonomous driving, improve the operation efficiency of auto insurance, consolidate the service foundation of auto insurance, optimize the development environment of auto insurance, and promote the innovative development of auto insurance.

　　Case analysis

　　For example, the basic premium for car compulsory insurance for families with less than 6 seats is 950 yuan. At present, the industry stipulates that the maximum discount is 30%, and the maximum discount may be 50% after the reform, which can reduce the expenditure of 190 yuan.