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　　In recent years, with the development of Internet information technology and financial technology, the Internet insurance industry has developed vigorously. However, in the process of development, Internet insurance products have been repeatedly criticized for playing "word games" to upgrade premiums, setting a high threshold for deductibles, and being easy to pay for insurance. Many consumers "spit": it seems that they have enough insurance protection for themselves at a very low premium, but they only found out that they "guaranteed a loneliness" when they settled their claims.

　　"6 million yuan medical insurance, as low as 0.6 yuan every month", "serious illness can be covered within the responsibility, and 0 -70 years old can be insured" … … In recent months, 63-year-old Zhang Guosheng wanted to buy an insurance. When searching for insurance online, he often saw insurance advertisements pushed by various platforms.

　　Looking at the insurance products advertised, it is simple and convenient to buy, the price is cheap, and the level of protection is still very high. So Zhang Guosheng paid 1.2 yuan and opened the renewal fee, and insured a "care for one million medical insurance". However, when the fee was renewed on April 27th, he was surprised to find that 53 yuan was automatically deducted from the WeChat account. At present, his daughter is complaining to the platform.

　　In recent years, with the development of Internet information technology and financial technology, the Internet insurance industry has developed vigorously. However, in the process of development, Internet insurance products have been repeatedly criticized for playing "word games" to upgrade premiums, setting a high threshold for deductibles, and being easy to pay for insurance. Many consumers "spit": it seems that they have enough insurance protection for themselves at a very low premium, but they only found out that they "guaranteed a loneliness" when they settled their claims.

　　The actual premium is not low, but the threshold for claims is very high.

　　According to the insurance link provided by Zhang Guosheng, the reporter found this million-dollar medical insurance. This product, with a premium of 1.2 yuan per issue and a total of 12 issues, claims to be able to provide five compensation guarantees, including 6 million yuan for major diseases, 3 million yuan for general treatment and 120,000 yuan for proton heavy ion medical insurance.

　　1.2 yuan can enjoy insurance coverage as high as 6 million yuan, and the products are attractive. However, after paying 1.2 yuan and opening the renewal fee, the automatic deduction range changed to 1 yuan ~ 4,000 yuan. This is 53 yuan’s deduction when Zhang Guosheng deducts money the next month.

　　The reporter found that there are many products that play word games like this. "1 yuan in the first month" and "0.1 yuan in the lowest month" actually spread the annual premium evenly to the last 11 months, and consumers did not get preferential treatment.

　　The premium is not cheap, so is the protection really as powerful as advertising? Pulling down the promotion interface of millions of medical insurance products, the reporter saw that 53 yuan’s product promotion of monthly premium was "pay as much as you spend" and "pay as much as you exceed 10,000 yuan". However, in fact, it has set a threshold of 60,000 yuan for critical illness medical insurance and general medical insurance, and the threshold for special drugs outside the hospital is as high as 100,000 yuan. Moreover, after reaching the threshold of compensation, the highest proportion of compensation is only 30%, and the lowest is only 10%.

　　Wu Jiabin, a sales manager of an insurance company who has worked for 13 years, told reporters that this is a typical "low-in and high-out" internet insurance product.

　　Traditional insurance products are characterized by high technology and high legal professionalism, and belong to the "AG is higher than others" model with high sales threshold and high claims threshold. Internet insurance has "innovated" this: the front end has become a low-threshold product marketing, focusing on low premium, high security and simple and convenient insurance; However, the back-end is still a high-threshold traditional claim mode. This "low entry and high exit" approach is unfair and unreasonable to consumers.

　　Internet insurance has exploded and complaints have increased.

　　While marketing "innovation", in recent years, many internet insurance companies are also making efforts to "upgrade" their products. Stay up late insurance, isolation insurance, and mobile phone screen breakage insurance … … A variety of "online celebrity" products for specific situations and specific groups of people emerge in an endless stream, and Internet insurance has expanded rapidly.

　　According to the statistics of insurance association of china, from 2013 to 2022, the number of enterprises engaged in Internet insurance business has increased from 60 to 129, and the premium scale of Internet insurance has increased from 29 billion yuan to 478.25 billion yuan, with a compound annual growth rate of 32.3%.

　　However, with the explosive growth of internet insurance, related complaints have also increased rapidly. A few days ago, China Banking and Insurance Regulatory Commission Consumer Protection Bureau issued the Notice on Insurance Consumer Complaints in the Fourth Quarter of 2022, which showed that there were 1,686 insurance disputes represented by "COVID-19" insurance, accounting for 21.93% of the total complaints of property insurance companies.

　　"We will record and video when promoting and selling products, and we have strict marketing norms." A staff member of an insurance company told the reporter that traditional insurance products have a large number of technical terms and concepts in the contract terms, and there are also a large number of highly professional legal terms in the claims. Offline marketers are professional institutions and certified insurance salespeople, and they explain the terms face to face.

　　The Internet insurance channel focuses on major e-commerce platforms, short video platforms and social media. Insurance companies value platform traffic and often use e-commerce to drain marketing. "Internet marketing slogans are simple and rude, and the selling point is one or two sentences. In fact, insurance products are very complicated, and a few words are simply unclear. " Wu Jiabin said.

　　The reporter learned that there are a large number of lightweight products in Internet insurance, such as accident insurance in 9.9 yuan, travel insurance in 5 yuan and pet insurance in 16 yuan. For this kind of products, consumers usually don’t study the lengthy contract terms carefully. If they don’t pay enough attention to the exemption clauses, it is easy to complain if they can’t pay.

　　Marketing propaganda should comply with regulations

　　The chaos of Internet insurance "low in and high in" has also ushered in the continuous strengthening of supervision. A few days ago, China Banking and Insurance Regulatory Commission issued the Notice on Carrying out Self-inspection and Rectification of Internet Marketing Publicity Compliance of Sales Staff of Insurance Institutions, requiring all insurance institutions to carry out self-inspection and rectification on Internet marketing publicity.

　　In fact, in recent years, China Banking and Insurance Regulatory Commission and various agencies have repeatedly issued relevant consumer risk warnings. In July 2019, China Banking and Insurance Regulatory Commission issued "Risk Tips on Preventing Misleading Propaganda by Using Media Platform", which clearly pointed out three kinds of misleading behaviors: hunger marketing, exaggerating income and misinterpreting terms. On December 7, 2020, China Banking and Insurance Regulatory Commission revised the Regulation on Internet Insurance Business, which clearly defined the definition of Internet insurance marketing publicity, the management system of insurance institutions, the publicity scope of employees, the content and logo of marketing publicity, etc.

　　This time, China Banking and Insurance Regulatory Commission issued a rectification notice, and Internet insurance marketing became the focus of investigation and rectification. The notice clearly requires that sales personnel should investigate the false statements or misleading descriptions, one-sided propaganda or exaggerated propaganda contents of information released from the media, organize, arrange or entrust others to carry out Internet marketing propaganda by forwarding information, consulting, answering questions, etc., and send 10 types of violations such as illegal information in WeChat groups or chat groups of other Internet platforms.

　　"To reduce disputes and complaints, we must first integrate the protection of consumer rights into our own business philosophy." Some observers said that the innovation of Internet insurance can’t leave the insurance industry with the impression that everything can be insured when applying for insurance and nothing can be compensated when making claims. We should take the customer as the center and consider whether every step in the business chain is accurate and compliant from the perspective of consumers.

Hualong Net News (Qi Che) On April 29th, Cyrus (601127.SH) released the first quarterly report of 2024 and the annual report of 2023. The data shows that in the first quarter of 2024, Cyrus’ revenue was 26.561 billion yuan, a year-on-year increase of 421.76%; The net profit attributable to shareholders of listed companies was 220 million yuan, and the gross profit margin in the first quarter increased to 21.5%.

In 2023, the revenue reached 35.842 billion yuan, of which the revenue of new energy vehicles reached 28.948 billion yuan, up 16.10% year-on-year. In 2023, Cyrus invested 4.438 billion yuan in R&D, accounting for 12.38% of the operating income.

In the first quarter, the net profit turned positive and the gross profit margin increased to 21.5%.

In the first quarter of this year, Cyrus ushered in a substantial increase in performance and realized a positive net profit. On the one hand, the market performance of AITO series continues to improve, driving the scale effect to appear; On the other hand, under the multiple measures of reducing costs and increasing efficiency and technological innovation, the operating efficiency has been effectively improved.

Benefiting from the increase in sales of new energy vehicles, the net cash flow generated by operating activities in the first quarter of 2024 was 1.187 billion yuan.

The financial report shows that the company has achieved accurate and efficient full chain management through technological innovation and cost control. The operating cost ratio in the first quarter of 2024 was 8 percentage points lower than that in the fourth quarter of 2023. Sales growth accelerated the appearance of scale effect, and efficient internal management increased the gross profit margin of products to 21.5%.

Rapid development of new energy business AITO explosion continues to sell well.

Celestial’s new energy vehicle business has developed rapidly. In the first quarter of this year, the sales volume of Celestial’s new energy vehicles reached 94,825, up 374.77% year-on-year.

In particular, the series of explosions represented by AITO’s new M7 and M9 have become a bright spot in the market. The data shows that AITO has exceeded 174,000 vehicles in the seven-month listing of the new M7. With the leading luxury strength in science and technology, the number of the M9 in the market for three months has exceeded 70,000, which shows that consumers highly recognize the AITO series of products. Up to now, the number of car users in AITO has approached 300,000, and many models are deeply loved by users.

It is worth mentioning that in the first quarter of this year, AITO ranked among the top five luxury brands in the China market and became the highest ranked China brand in the list. With the listing of the new M5 in Wenjie on April 23rd, the core product matrix continues to be enriched, and Celeste is expected to further expand the market scale and continue to lead the high-end new energy vehicle market.

Continuous high-intensity R&D investment Rubik’s cube platform unveiled at Beijing Auto Show

The financial report shows that in 2023, Cyrus invested 4.438 billion yuan in R&D, accounting for 12.38% of the operating income. By the end of 2023, there were 4,955 R&D personnel, an increase of 18.6% year-on-year.

The Rubik’s Cube platform developed by Cyrus was recently unveiled at the Beijing Auto Show. The platform has four characteristics of "panoramic safety, multi-power, ever-changing space and intelligent guidance", which integrates industry-leading technologies such as safety, power, chassis and software across domains, bringing users a "easy-to-use, super-safe" car experience.

It is reported that the Cyrus Rubik’s Cube platform is the only platform in the industry that can be compatible with three power forms: super-increase, pure electricity and super-hybrid, and has developed more than 200 safety functions based on more than 150 car scenes by applying the "panoramic safety" system pioneered by the industry, of which more than 40 safety technologies are at the leading level in the industry, making driving more secure. In addition, as a pioneer and leader of the technical route of extended range, Celestial achieved the number one in the range extender industry in 2024 and has reached cooperation with 12 industry partners.

Intelligent manufacturing escort ensures high-quality production delivery

In terms of intelligent manufacturing, Cyrus guarantees high-quality production and delivery with new quality productivity.

Sailis Auto Super Factory has more than 3,000 robots with intelligent collaboration, and the key processes are 100% automated, and a new car can be off the assembly line in up to 30 seconds, with the highest production efficiency in the world; Use the industry’s first quality automation testing technology to achieve 100% quality monitoring traceability; It is also the first to apply the industry-leading 9000T integrated die casting process to effectively realize efficient production, light weight and high safety.

As an enterprise that actively responds to the change of automobile energy, Sailis applies the concept of sustainable development to product design, material use and recycling, manufacturing, logistics and transportation, office storage and other links. In 2023, ESG report showed that the three wastes treatment rate and pollution prevention rate reached 100%, the average recycling rate was 97%, the average recycling rate was 92%, and the recycling rate was 98.1%.

Original title: Interview with Sha | How did he change from Eshun to Yang Jian in "Feng Shen I"?

Special feature of 1905 film network There is such an impressive character in the mythical epic movie "Feng Shen I", which is being shown. He is upright, chivalrous, courageous and imposing, and he is the "facade bearer" in the immortals. He is Yang Jian. In this issue of "Light and Shadow Star Podcast", we are greeted by this sand, the actor of Yang Jian in the film.

In 2017, this sand officially entered the entertainment circle because of participating in the trilogy of gods. Before this year’s "Feng Shen I" was released, he had given wonderful performances in many film and television works.

In the urban emotional drama "All My Life", this sand plays Mei Xing, a good friend and lawyer of the leading actor Shengchen Zhou. In his eyes, Mei Xing is a sentient and righteous person who does everything for his brother and restrains and guards his lover. It seems that he is drifting along with nature, but in fact he is affectionate and righteous.

In the drama "Getting to know you at the beginning" and "Like an old friend returning", this sand plays a brave and loyal little bobcat Li Shu, who forbeares loneliness in the early stage and is affectionate, transparent and brave in the later stage. He has a righteous heart, guards the whole life and forgets his life. Fortunately, he has a happy ending in the end.

In the costume martial arts drama Shadow of Mountains and Rivers, Li Dongfang played by this sand is actually far from the real him. This role is ambitious, ruthless and unscrupulous, so this sand was under great pressure at the initial performance. Fortunately, with his all-out efforts, Li Dongfang stayed in the hearts of many audiences.

In the contemporary urban drama "Illuminate You", this sand turned into a gentle tyrant Huo Yanzong, guarding the loved ones in his own way, finally letting go of his obsession and gaining precious friendship.

After the film was released, this sand gained more attention and love from the audience. Yang Jian, played by him, is an extremely important role in the film. However, at first, this sand was not to play Yang Jian, but a corner of Eshun. Before the film started, he also trained in equestrian and horseback riding in the Proton Group. Later, the director saw the shadow of Yang Jian in him, and felt that besides being handsome, this sand also had the extraordinary, simple and tough temperament of Yang Jian, so he finally decided to play the role of Yang Jian.

Q: If you use one word to describe the character Yang Jian, what word would you choose and why?

A: Sage-like, because Yang Jian in "Feng Shen I" may be different from the so-called Erlang God Yang Jian that everyone has seen before. He came down from Kunlun Mountain, protected the list and escorted his uncle. He was an inexperienced, worldly-minded, sage-like figure who gradually grew from a little Taoist to a generation of God of War.

In order to express the feeling of Yang Jian’s sage-like style, this sand lost 20 Jin, trying to interpret this role in the most perfect state. In the film, the weapon used by Yang Jian is a three-pointed double-edged knife. For this sand who had studied martial arts, the action play is relatively easy to complete.

Q: How did your experience of learning martial arts help you to use weapons and perform action scenes in the film?

A: It’s still very helpful. It’s true that I studied juvenile Wushu Sanda for three years when I was in middle school. These experiences had a little foundation when I went to the training camp to worship the gods, so I was particularly resistant to it. I hung Weiya for several hours every day during filming, and I was able to persist in practicing these movements over and over again, including a scene behind me, which flew out from the Longde Hall, with a little difficulty, and I also completed it relatively OK.

Before the filming, this sand once entered the Romance of the Gods training camp and conducted all-round training with other new actors, making full preparations for the film performance.

Q: Of all the training programs, what do you think is the biggest challenge to yourself? How was it overcome at that time?

A: For me, the biggest challenge is definitely Mandarin, because I am a Yi people, and we have our own writing and language. Before I was eight years old, I spoke my own mother tongue. After school, my teacher would teach us Chinese, but at ordinary times, we basically speak some Chinese with dialects in my hometown. I didn’t start learning Putonghua until I came to Beijing to be an actor. In the training camp for worshipping gods, I learned it bit by bit, which word is nasal, which word is nasal, and I learned it with pinyin, an idiom and a sentence. At that time, I really made a lot of efforts.

There are many elements of Chinese traditional culture in "Feng Shen I". As one of the leading roles in the film, Sha hopes that everyone can support this excellent work.

This sand: "Feng Shen Part I is a movie with temperature. It not only has shocking visual effects, but also the story is particularly arresting. Every character has flesh and blood, and it can make everyone feel the charm of Chinese culture, so I hope everyone can seriously feel our movie full of Chinese cultural charm."

Weibo ID of this sand is called "This sand is a little actor". From the name, we can feel his humility and low-key. I believe that with continuous efforts and progress, he will definitely become a more mature and dazzling excellent actor in the future.

　　Cctv newsRecently, the Central Committee of the Communist Party of China and the State Council issued "China Education Modernization 2035", proposing that by 2035, a modern education system serving all people’s lifelong learning will be built, quality preschool education will be popularized, quality and balanced compulsory education will be realized, and high school education will be fully popularized … …　

　　How can we achieve the above goals? Especially in the next few years, how should we proceed?

　　General Offices of the General Office of the Central Committee of the CPC and the State CouncilSame dayThe "Implementation Plan for Accelerating Education Modernization (2018-2022)" issued has made detailed arrangements for this.

In 2035, the modernization of education in China is like this!

　　"China Education Modernization 2035" puts forward the idea of promoting education modernization.Eight basic concepts：

　　The overall goal is to：By 2020, the "Thirteenth Five-Year Plan" development goal will be fully realized, the overall strength and international influence of education will be significantly enhanced, the average length of education of the working-age population will be significantly increased, and important progress will be made in educational modernization, making important contributions to building a well-off society in an all-round way.　

　　On this basis, after 15 years of efforts, by 2035, a modern education system serving lifelong learning for all will be built, quality preschool education will be popularized, quality and balanced compulsory education will be realized, high school education will be fully popularized, the service capacity of vocational education will be significantly improved, the competitiveness of higher education will be significantly improved, disabled children and adolescents will enjoy suitable education, and a new pattern of educational governance will be formed with the participation of the whole society.　

Realize the modernization of education, and prepare to do so!

　　Accelerate the construction of "double first-class"

　　The Document requires that the transformation and development of local undergraduate colleges and universities should be continuously promoted, the innovation system of colleges and universities should be strengthened, a number of world-class national scientific and technological innovation bases should be built, applied basic research should be strengthened, and the original innovation ability of colleges and universities should be comprehensively improved. Improve the research level of philosophy and social sciences in colleges and universities, and strengthen the construction of new think tanks with China characteristics. Improve the scientific research system that is conducive to stimulating innovation vitality and promoting the transformation of scientific and technological achievements.

　　The "Implementation Plan" mentioned that we should further accelerate the construction of "double first-class", promote the construction of colleges and universities to fully implement the construction plan, and study and establish a comprehensive evaluation system for the construction of "double first-class" with China characteristics.

　　Strengthen the direction of college entrance examination reform

　　In deepening the comprehensive reform of education in key areas, the "Implementation Plan" mentioned that it is necessary to actively and steadily promote the reform of the examination enrollment system, strengthen the direction of the college entrance examination reform, and improve the academic level examination system for ordinary high schools.In addition, we will further promote the classified examinations for academic degree and professional degree postgraduates, and improve the selection mechanism of "application-assessment" and direct doctoral students.

　　Vigorously develop public kindergartens

　　The "Document" points out that it is necessary to improve the popularization level of preschool education with rural areas as the focus, and establish a more perfect preschool education management system, garden management system and investment system. Vigorously develop public parks and accelerate the development of inclusive private kindergartens. Improve the consolidation level of compulsory education, and improve the responsibility system for dropping out of school.

　　Promote the integration of the enrollment treatment of the accompanying children in the same city.

　　The "Document" requires that the level of equalization of compulsory education be further improved, the balanced development of compulsory education in urban and rural areas be promoted, the enrollment treatment of migrant children be promoted in the same city, the supply of urban degrees be expanded in an orderly manner, and the examination system for children of floating population to enter higher schools in different places be improved.

　　At the same time, the "Implementation Plan" proposes to incorporate compulsory education for migrant children of migrant workers into urban development plans, strengthen care and protection for left-behind children, and organize the implementation of special education promotion plans.

　　Accelerate the development of modern vocational education

　　The Document proposes to accelerate the development of modern vocational education and constantly optimize the structure and layout of vocational education. Promote the organic connection and deep integration of vocational education and industrial development, and concentrate on building a number of high-level vocational colleges and majors with China characteristics.

　　The "Implementation Plan" points out that the standards of vocational education system will be established and improved, and a series of systems and standards such as school setting, professional teaching, teachers’ team, student internship, funding input and information construction will be improved, and the per capita funding system for vocational colleges will be formulated and implemented. Establish a joint conference system for vocational education in the State Council.

　　Teachers’ morality becomes the first criterion for evaluating teachers’ quality.

　　The "Document" makes it clear that it is necessary to vigorously strengthen the construction of teachers’ morality and style, take teachers’ morality and style as the first criterion for evaluating teachers’ quality, and promote the long-term and institutionalized construction of teachers’ morality. Improve the teacher qualification system and access system. Improve teachers’ professional titles, posts and evaluation system. Cultivate high-quality teachers.

　　The "Implementation Plan" also pointed out that the construction project of teachers’ morality and style will be implemented.

　　Improve the political, social and professional status of teachers.

　　The Document calls for improving teachers’ social status, improving the guarantee system for teachers’ treatment, improving the long-term linkage mechanism for primary and secondary school teachers’ salaries, and fully implementing the living allowance policy for concentrated contiguous areas with special difficulties. Strengthen the recognition of teachers and strive to improve their political, social and professional status.

　　In terms of ensuring teachers’ salaries and benefits, the "Implementation Plan" is clear: improve the long-term linkage mechanism of primary and secondary school teachers’ salaries, make overall consideration of the actual income level of local civil servants when approving the total performance salary, realize synchronous adjustment with the salary income of local civil servants, and improve the approved distribution method and internal distribution method of the total performance salary of primary and secondary school teachers.

The November sales "Battle Report" just announced by Geely Automobile is remarkable! The sales of new cars in a single month jumped to 250,136 vehicles like a rocket, which not only refreshed its historical peak again, but also broke the record for two consecutive months. Such a strong market momentum, like a surging wave, wantonly demonstrated its vitality. Looking at the first 11 months of the extended timeline, the cumulative achievement of 1,966,512 vehicles is dazzling enough, and the 31% year-on-year growth rate is even more intuitive.

Focusing on the new energy battlefield, Geely is full of firepower. In November, the new energy sector won 122,453 vehicles, reaching a new historical high again, rising steadily by 13% from the previous month, and the year-on-year figure soared by 94%. The rapid growth trend is clear at a glance. Broadening the horizon to January-November, the cumulative sales volume of 777,029 vehicles and the year-on-year growth rate of up to 92% witnessed its continuous galloping in the new energy track. Among them, the sales performance of pure electric vehicles is amazing, and the performance of 91,333 vehicles surged by 173% year-on-year, which is undoubtedly a strong engine to drive overall growth.

Analyzing Geely’s rise password, multi-brand strategy is the key "blade". Many of its brands are not fighting in their own way, but cleverly intertwined and coordinated. Like delicate gears, each brand closely engages with each other and complements each other in different market segments. Some brands specialize in high-end luxury experience, some focus on cost performance and practicality, and some focus on young fashion trends. When they gather in one place, they will form an indestructible and powerful matrix, covering the diverse needs of consumers in an all-round way. Only in this way can Geely Automobile stand out in the fierce competition and make great strides all the way. In the future, it is expected to continue to lead the way with this strategic advantage.