Experts on the Defence of Blue Sky (5) Dust is an important source of particulate matter, and control should be continuously strengthened.

  The causes, sources and control of heavy air pollution are one of the hot issues in society. During the Spring Festival and epidemic control, the National Joint Center for Air Pollution Prevention and Control thoroughly analyzed the characteristics and laws of the heavy pollution process, providing continuous scientific and technological support for winning the blue sky defense war in 2020. The National Joint Center for Air Pollution Prevention and Control has recently launched a series of expert interpretations, which we forwarded to further respond to public concerns. In this issue, experts from Nankai University and china environmental science Research Institute are invited to analyze and interpret the impact of dust on air pollution.
  1. Dust is atmospheric particulate matter (PM10And PM2.5Etc.).
  According to China’s Technical Code for Prevention and Control of Urban Dust Pollution (HJT393-2007), dust sources can be divided into four categories: road dust, construction dust, soil dust and yard dust. The research results of source inventory show that the emission of PM10 in Beijing-Tianjin-Hebei and the surrounding "2+26" cities reaches 1.7 million tons/year, and PM2.5It reaches 450,000 tons/year, of which roads and construction are the main sources of dust in most cities, and together they can account for more than 80% of the total dust emission. The results of urban particulate matter source analysis for many years also show that although dust has been controlled to some extent in recent years, the sharing rate of dust in most cities to PM2.5 concentration is still 15%~25%.
  Urban dust has the characteristics of uncertain source intensity, random emission, diverse emission locations and types. The impact of dust is mainly affected by two factors: one is the amount of particles (such as road dust load) and the physical properties of particles (such as water content) on the carrier (such as roads) carrying dust, and the other is the disturbance degree of human activities or natural forces. The more dust accumulated, the greater the disturbance, and the more serious the impact of dust. There are a lot of cars driving in the road environment, and human activities are very intense, so road dust is one of the most important sources of dust. But the problem is that our roads don’t produce much particulate matter, and the road dust is very high on most roads. Many roads have more than 10 grams/square meter of dust, and good roads only have 1-2 grams/square meter, or even lower. So where does the dust on the road mainly come from? The research results for many years show that road dust is closely related to the material transportation in the construction site. In addition to the dust pollution caused by various construction operations (especially ground-breaking operations), it is more important to have its "long chain" emission, that is, a construction site will cause a large area of dust pollution due to the transportation and scattering of various raw materials, earthwork and other materials. Therefore, construction and roads are important sources of dust, and are the focus of urban dust control.
  2. Changes in the activity level of dust-related pollution sources during the Spring Festival and the epidemic.
  According to the big data of construction machinery based on the Internet of Things, the average operating rate of construction machinery during the Spring Festival in 2020 was about 5%, and it was about 23% in the same period in 2019, and the operating rate of construction machinery decreased by 77% year-on-year. After the Spring Festival in 2020, affected by the epidemic (from the seventh day to the 23rd day of the first month), the operating rate of construction machinery did not gradually return to the pre-holiday level as in previous years, but the operating rate remained at around 7%, and it did not show signs of recovery until after the 24th day of the first month. This shows that there are fewer construction projects and fewer "direct sources" of construction dust.
  Operating rate of construction machinery during the Spring Festival in 2019 and 2020
  (Source: Tiejia. com-Rolling Broadcasting of Operating Rate of National Construction Machinery)
  In addition, motor vehicle traffic is also significantly affected by the epidemic. In 2020, the cross-sectional traffic volume of passenger cars and trucks in the six provinces of Beijing, Tianjin and Lu Yu will be 50% and 53% respectively compared with last year. From the first day of the first month to the seventh day of the first month in 2019, the cross-section traffic volume increased rapidly from a low value, and the cross-section traffic volume on the seventh day of the first month has basically reached a normal level, while in the same period in 2020, the cross-section traffic volume has remained at a low level due to the epidemic situation. This shows that there are fewer cars on the road and fewer disturbances caused by human activities.
  Variation trend of cross-section traffic volume during Spring Festival in 2019 and 2020.
  (Source: Planning Institute of Ministry of Transport)
  3. The change of particulate pollution characteristics during the Spring Festival this year just shows the impact of dust.
  During the Spring Festival and the epidemic, the sources of dust have decreased, so let’s take a look at the corresponding changes in the characteristics of particulate pollution. For "2+26" cities, the whole year of PM in 20192.5/PM10The average ratio was 0.57, and it reached 0.77 in January 2020, up 10% from 0.7 in the same period of 2019. It even rose to 0.84 during the Spring Festival and the epidemic period, up 38% from 0.61 in the same period of 2019, and even reached 0.9 in some cities during the Spring Festival and the epidemic period.
  We know, PM10With PM2.5It is an inclusion relationship, and the ratio of the two can reflect the source and characteristics of particulate pollution to a certain extent. In more than 300 cities in China, the ratio is between 0.3 and 0.8. Generally speaking, the ratio will be higher in cities with higher level of urban dust management, usually around 0.7, or even up to 0.8. The proportion of cities with low level of urban dust management or affected by sandstorm is relatively low, which can reach about 0.3. Theoretically, it affects PM.2.5/PM10The main factors of the ratio include source composition and meteorological factors. In addition to the influence of meteorological factors such as static weather and high humidity conditions, the particle size distribution law of different source sources is very different. Such as PM in dust emission2.5It only accounts for about 5-10%, and the particulate matter emitted by motor vehicles can be considered as PM.2.5Organized emissions from industrial enterprises are also dominated by fine particles. That is to say, the higher the proportion of fine particles in particulate matter, the lower the proportion of coarse particles, indicating the lower the contribution of dust sources. On the other hand, the source analysis results of some cities show that the contribution rate of dust to PM2.5 in January 2020 is only 5%, which is a quarter of the usual state. Therefore, the recent changes in the characteristics of particulate pollution in Beijing, Tianjin and Hebei show that the sharp reduction of social activities during the Spring Festival and the epidemic has reduced the contribution of dust sources to particulate matter, which has reduced PM.10The concentration has obvious effect, and it also has some influence on reducing the concentration of PM2.5.
  4. Suggestions on dust pollution control
  Compared with other sources of particulate matter, the technical threshold of dust source prevention and control is not high, the cost is low, the effect is quick, and there is still a large controllable space. However, in view of the characteristics of dust sources, it is still difficult to have a set of technical systems such as emission standards, monitoring norms, treatment and evaluation like other source management, so there are still many difficulties in practical work. In practice, there is a common phenomenon that one pipe is effective and it will rebound as soon as it is loosened.
  We believe that management is the core, implementation is the key, infrastructure is the cornerstone and system is the guarantee in dust prevention and control. The first thing is to carry out education and technical training on dust pollution prevention and control for sanitation workers, construction site workers, front-line workers and managers of dust-prone industrial enterprises, so that dust prevention and control will become a spontaneous and conscious behavior of front-line personnel; Second, it is necessary to strengthen the global prevention and control of dust pollution, focusing on the urban-rural fringe, taking the urban built-up area as the standard, implementing urban and rural bare ground greening, and hardening the dirt roads in the urban-rural fringe and rural areas; Third, we should strengthen the whole process control of dust generation, transportation, stacking and unloading, optimize and improve the relevant assessment mechanism, and establish a public supervision mechanism; Fourth, we should establish and improve the index system and normalization evaluation mechanism of dust prevention and control in engineering construction site; Fifth, we must rely on advanced technical means to realize online monitoring and control of dust pollution and realize all-round control of dust pollution.
  China’s air pollution has gone from pollution source management to total amount management to current quality management, and pollution control has gone from single-source management to multi-source management to current multi-source and multi-pollutant collaborative management, so pollution prevention and control has embarked on a comprehensive, refined and scientific road. The same is true for dust prevention and control. We should not only pay attention to those visible construction sites and mounds, but also unswervingly follow the route of comprehensive prevention and control of multiple pollutants, pay attention to all sources that can produce dust, and carry out in-depth and meticulous control on pollution sources such as industry, coal burning and motor vehicles, so as to finally achieve the goal of comprehensive air quality standards.

Dry goods: What do the numbers and letters on the truck body stand for?

How can I get the information of a truck I don’t know quickly? Domestic off-brand trucks usually stick various LOGOs on the body, including LOGO, model, horsepower, etc. It is a quick and effective way to obtain basic information from various logos pasted on the body. You can know what brand this is through logo, and you can know the name of the model through the model logo. Then you can use search engine to learn more about this model.

Logo, on the other hand, is also a way for manufacturers to publicize the characteristics of their vehicles. For example, a "4.9s" is marked on the rear of a hybrid vehicle to tell everyone that the acceleration time of this vehicle from 0 to 100 km/h is only 4.9 seconds. Different from passenger cars, trucks have more and more complicated signs, but there are also rules to follow.

Dry goods: What do the numbers and letters on the truck body stand for?

Logo of BYD Hybrid Vehicle

Common way 1: Tonnage+horsepower

The seven mainstream truck brands in Europe are led by Mercedes-Benz trucks, and they like to use the sign "Tonnage+Horsepower" to stick on the door. The nameplate consists of four digits in total, the first two digits represent the total mass of the vehicle design (unit: ton), and the last two digits multiplied by 10 are equal to the maximum output horsepower of the engine. Take 2644, the main model sold in China, as an example, with a total design mass of 26 tons and a maximum output power of 440 HP. 2648, 3360, 1841, etc. are all the same.

Dry goods: What do the numbers and letters on the truck body stand for?

Common body logo of Mercedes-Benz truck

Baotou Beiben Heavy Truck Co., Ltd. signed a cooperation agreement with Mercedes-Benz truck in the 1980s, and introduced a series of products. In terms of product naming, the Beiben model also continued the way of Mercedes-Benz truck, so don’t be surprised to see the same standard method as Mercedes-Benz on the Beiben truck.

Dry goods: What do the numbers and letters on the truck body stand for?

Common body logo of Beiben truck

At present, Foton Motor, which cooperates with Daimler Group, has an EST super truck based on construction. Recently, it has been listed in China and started to use the same signboard form as Mercedes-Benz trucks. For example, the original 430-horsepower model only marked "430" on the door, and now it has been replaced with "2543".

MAN truck company, which is also a German brand, also adopts the standard method of "tonnage+horsepower", which is more intuitive than Mercedes-Benz’s 4-digit standard method. MAN uses the 5-digit standard method, in which the first 2 digits are the total design mass of the vehicle, and the last 3 digits are the maximum output horsepower of the engine, and the model name will be added at the front, usually three English letters. For example, MAN recently promoted 28.480 in China, TGX is MAN’s flagship model, 28 indicates that the total vehicle mass is designed for 28 tons, and 480 indicates the maximum output power of the engine.

Dry goods: What do the numbers and letters on the truck body stand for?

Common body logo of Mann truck in Germany

It is not unreasonable for Italy to be dubbed Italy’s Italian-made medium-sized car. Although the standard method is tonnage+horsepower, people who don’t know it will be puzzled to interpret it according to the convention of Mercedes-Benz, because Iveco’s standard method is very confusing. For example, a Eurocargo is marked with "150E28" next to it, and many people will subconsciously think that this car is 150 horsepower with a total design weight of 28 tons. On the contrary, "150" means that the total design mass is 15 tons and the maximum output power of the engine is 280 horsepower. The latest Eurocargo has changed a new standard method, which is also composed of five digits. The first two digits indicate tonnage, and the last three digits indicate horsepower. "75-190" means 7.5 tons and 190 horsepower. Iveco’s flagship heavy truck is relatively simple and rude, and it is directly labeled as "model+horsepower", which belongs to another classification.

Dry goods: What do the numbers and letters on the truck body stand for?

Body logo of Iveco truck in Italy

A few simple numbers can convey the information of vehicle tonnage, horsepower and even vehicle type. The marking method of "tonnage+horsepower" is very intuitive and effective. Experienced people can roughly guess the vehicle type and service conditions from this marking information, such as Mercedes-Benz 2648, which must be a three-axle vehicle with a total weight of 26 tons. This tonnage level with a 480 horsepower engine is more suitable for high-speed logistics conditions. If Mercedes-Benz 3360 is used, if it is a 33-ton tractor with 600 horsepower, then it is no accident that it must be designed for heavy-duty conditions, so it needs such a large tonnage and horsepower. MAN and Iveco are the same, and I have to admire the person who came up with this method at that time.

Common way 2: model+horsepower

At present, it is the most widely used method to use the model (car series)+horsepower standard method. European manufacturers think that this method is used in all series of models, and the logo consists of one letter plus three digits. The name of Scania car series is relatively simple, which is P/G/R/S series from bottom to top. The car logo is one letter, and the last three digits indicate the maximum horsepower of the engine. Take chestnuts as an example. G480 means that this car uses a series of cabs with a maximum power of 480 HP. The same is true for other series.

Dry goods: What do the numbers and letters on the truck body stand for?

Body logo of Scania truck

Like Scania, there are French trucks. Now Renault’s latest trucks are divided into models with a single letter, including T-series, C-series, K-series and other models, corresponding to different levels and working conditions. The logo is also composed of car name+horsepower. The "T" of the 2015 international truck Renault T520 represents the model, and "520" means that the car is 520 horsepower.

Dry goods: What do the numbers and letters on the truck body stand for?

Renault truck

Domestic cars basically use this standard method. The eldest son of the Republic marked "J6P-460" on the door to indicate that the model name is, the engine output is 460 horsepower; There are also domestic mainstream models such as U480,540, Shaanxi Automobile X3000 480 and Hongyan Jieshi C100 480, all of which are of this kind.

Dry goods: What do the numbers and letters on the truck body stand for?

Body logo of Jiefang truck

This widely used identification method has both advantages and disadvantages. The advantage is that it is intuitive to know the name of the vehicle and the power of the engine, but the disadvantage is that it is impossible to infer the working condition of the vehicle from the name. Therefore, domestic manufacturers will now attach labels such as "Pilot Edition", "Sailing Edition", "Composite Edition", "Lightweight Edition" and "Smooth Edition" to the body surface to further refine the vehicle classification. If you think that this can satisfy the "show off" psychology of manufacturers, it is naive, and then read on.

Common way 3: technical identification cannot be less.

We can often see various labels such as "VVTI", "TFSI" and "1.5T" on passenger cars. These are the places where manufacturers are not or not good enough to flaunt their cars with other brands, which can be understood as a show off. For example, Toyota’s VVTI variable valve technology is a Toyota patent, and other manufacturers can’t flaunt themselves like this, so Toyota can use this as a selling point. The same is true for truck manufacturers, on the one hand, to show more information, on the other hand, to show off. Among them, the engine logo is the most common, and both domestic and foreign car companies play this set.

Starting from Mercedes-Benz, "BlueTec" can be found on passenger cars and trucks. It is the name of a diesel engine exhaust aftertreatment system originally created by Mercedes-Benz. This aftertreatment technology can effectively reduce particulates and effectively reduce the emission of nitrogen oxides. It is one of the cleanest diesel engine technologies in the world. Is Mercedes-Benz a naked show?

Dry goods: What do the numbers and letters on the truck body stand for?

Technical signs on Mercedes-Benz trucks

Another model of Mercedes-Benz truck with engine will put a "V8" logo on the front of the car to tell the onlookers that this is a car with V8 engine. European manufacturers MAN and Scania also have this practice, and will add the V8 logo as an honor to the car. But now, with the emission escalation, only Scania has retained the V8 engine with Euro 6 emission, and the gold content of the V8 logo is even more sufficient in Ouka.

Dry goods: What do the numbers and letters on the truck body stand for?

Technical signs on Scania trucks

Even if there is no V8 engine, as long as the engine technology is advanced enough, it can be pasted on the car as a show-off capital. MAN in Germany has an engine with Euro-6 emission. The engine model starts with "D38". This D38 engine has excellent performance, and all indicators can kill competitors, both in fuel economy and power. Therefore, MAN will put a "D38" logo on the model equipped with D38 engine to let you know that this is a car equipped with D38 engine.

Dry goods: What do the numbers and letters on the truck body stand for?

Technical signs on MAN trucks in Germany

Similarly, domestic manufacturers have done a lot, and there are two brands of DCI engines with Renault technology to choose from. In order to highlight DCI engines, all cars equipped with DCI engines will add a "DCI" logo before the horsepower logo, while machines equipped with Dongfeng Cummins do not have this treatment. The same is true for United trucks. Models equipped with flagship engine series will stick a "6K inside" on the door to indicate that the "heart" of this car is 6K.

Dry goods: What do the numbers and letters on the truck body stand for?

Common body logo of Dongfeng Tianlong

It sounds incredible to make a car system specially for an engine, but in fact there are quite a few. Up to now, it is the king of horsepower of European trucks. A 16-liter inline 6-cylinder engine has made a maximum output of 750 horsepower, which is enough to be proud of. For this reason, a truck is specially added on the basis of "".The front face of the vehicle is different from other FH colors, and the surface of the car body also has a special logo.

Dry goods: What do the numbers and letters on the truck body stand for?

750 horsepower model

Ou Man, a domestic manufacturer, is playing this game the most. A Ou Man GTL model with an ISG engine is called "Edition", and a big "ISG" logo is attached to the side of the car body; Ou Man GTL with Mercedes-Benz OM457 engine is called "Mercedes-Benz Edition", and there is a corresponding logo on the body. Because there are many engines available for Foton models, in order to better distinguish the engine brands, there is a letter behind the horsepower logo to represent the engine brands. For example, "490 G" means the maximum output power of the engine is 490 HP, the engine is Cummins ISG, the letter "W" means, and "B" means Mercedes-Benz power.

Dry goods: What do the numbers and letters on the truck body stand for?

Body logo of GTL truck in Ou Man

Standard torque

Finally, I want to talk about a very distinctive logo type. Recently, Dongfeng Tianlong flagship has put on a new logo method, changing the horsepower standard method used in the past and replacing it with 4 digits plus engine displacement. These four figures can make many people blindsided and completely unable to understand what they mean.

Dry goods: What do the numbers and letters on the truck body stand for?

The latest body logo adopted by Tianlong flagship

"2330" and "13L", which is easy to understand, represent the engine displacement of 13L, because there are not many domestic models that can assemble 13L engines now, and most of the so-called 13L engines have a displacement of more than 12L, and only Dongfeng Cummins ISZ 13 has a real domestic displacement of 13L, so it is so proud to stick "13L" on the car body. The meaning of "2330" doesn’t matter, it represents the maximum torque output value of the engine, and other manufacturers mark the engine power. It is also the first time for Dongfeng to mark the torque, which is a precedent. The purpose of doing this is to show that the engine torque is large, the vehicle power is strong, and the starting point is very good. It is not known how the actual publicity effect is.

Privately, this practice is more like manufacturers "entertaining themselves." There are two reasons. The first is that the practice of marking torque seems intuitive. In fact, it is difficult for the bottom users to quantify this value, and they have no idea about it. They are used to the marking method of horsepower and suddenly have a torque, and they can’t understand how much horsepower this is. It’s like everyone says that he is xx meters tall, and suddenly someone says that he is xx feet tall, which makes it impossible to judge the height of his birth immediately according to his own experience. The second is that the labeling form is too counterintuitive, and almost no one can guess what these four numbers mean. The combination of tonnage and horsepower of Mercedes-Benz is deeply rooted in the hearts of the people and will be interpreted in the form of Mercedes-Benz.

To sum up all the models, there must be a key message-horsepower value no matter how the logo rules of different brands and models change. In the final analysis, a truck is a means of transportation, and the most basic and key indicator is the strength of power. Only when the power is strong enough can it carry goods. Basically, all truck engines are diesel engines and turbocharged, which are standard configurations, so there is no need to mark these as selling points like passenger cars. An engine will have several different output power adjustments, and with different engine types, the optional horsepower range will be particularly rich. At this time, marking the horsepower value on the body can reflect the power strength of the vehicle relatively intuitively.

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China Banking and Insurance Regulatory Commission: It is proposed that the term of personal consumption loans shall not exceed 5 years.

  CCTV News:According to the website of China Banking and Insurance Regulatory Commission, in order to further promote banking financial institutions to improve their credit management capabilities and financial service efficiency and support financial services to the real economy, China Banking and Insurance Regulatory Commission, China revised the credit management systems such as Interim Measures for the Management of Fixed Assets Loans, Interim Measures for the Management of Working Capital Loans, Interim Measures for the Management of Personal Loans and Guidelines for Project Financing (hereinafter referred to as "Three Measures and One Guidance"). The Measures for the Management of Fixed Assets Loans (Draft for Comment), the Measures for the Management of Working Capital Loans (Draft for Comment), the Measures for the Management of Personal Loans (Draft for Comment) and the Provisions for the Management of Project Financing Business (Draft for Comment) were formed, which were open to the public for comments, and the heads of relevant departments answered questions from reporters on the above systems.

  1. What is the background of the revision of "three methods and one guideline"?

  The implementation of "three methods and one guideline" for more than ten years has played an active role in improving the standardization and refinement of loan management of commercial banks, preventing and controlling credit risks and serving the real economy. In recent years, with the sustained development of China’s economy and society, new requirements have been put forward for financial services to the real economy, and some provisions in the "three methods and one guide" have also shown certain limitations and lag, which need to be updated and adjusted to better adapt to the current development trend of credit business. China Banking and Insurance Regulatory Commission revised the "three methods and one guideline" and the main problems existing in the implementation of related policies, which is conducive to further promoting banking financial institutions to improve their credit management capabilities and financial service efficiency and better serve the real economy.

  2. What are the principles of this revision?

  This revision follows the principles of problem-oriented, advancing with the times and risk-oriented. Focusing on improving the quality and efficiency of serving the real economy, focusing on effectively preventing and controlling financial risks, we will study and solve relevant problems that are more urgent in the market, and actively adjust the applicability and effectiveness of policies according to the new situation and changes in market development. At the same time, pay attention to scientifically grasping the pace of policy adjustment, strengthen the risk control mechanism, adhere to the requirements of prudence, and strike a balance between steady growth and risk prevention.

  3. What are the main contents of this revision?

  First, according to the actual credit business, moderately broaden the use and scope of working capital loans and fixed assets loans. The second is to further clarify the entrusted payment standards of different types of loans, optimize the management requirements of entrusted payment, and improve the effectiveness of entrusted payment execution. Third, according to new business scenarios, adjust business handling methods, support the application of big data and off-site technologies, and carry out loan investigation and management. Among them, for the working capital loans handled by small and micro enterprises, the on-site investigation can be simplified or stopped if it meets the relevant regulatory requirements. The above-mentioned small and micro enterprises include small and micro enterprises that obtain loan financing through supply chain finance business. Fourth, improve the flexibility and convenience of loan processing, further optimize the calculation requirements of working capital loans, and increase the credit method to handle the related contents of fixed assets loans, so as to better meet the financing reality. The fifth is to clarify the loan term requirements, guide commercial banks to effectively prevent the risk of loan term mismatch and optimize the loan structure. Sixth, integrate other relevant credit management systems to improve the system’s systematicness.

  IV. What adjustments have been made to the scope of loan use and loan object in this revision?

  The Measures for the Administration of Fixed Assets Loans (Draft for Comment) clarifies that fixed assets loans refer to local and foreign currency loans issued by legal persons or unincorporated organizations for borrowers’ fixed assets investment. Investment in fixed assets refers to the construction, purchase and transformation of fixed assets by borrowers in the course of business. At the same time, loans for intellectual property research and development projects such as patent rights can be implemented with reference to these measures.

  The Measures for the Administration of Working Capital Loans (Draft for Comment) clarifies that working capital loans refer to local and foreign currency loans issued by lenders to legal or non-legal organizations for the daily operation and turnover of borrowers. Working capital loans shall not be used for shareholders’ dividends, financial assets, fixed assets, equity and other investments, and shall not be used in fields and uses prohibited by the state from production and operation.

  V. What adjustments have been made to the relevant requirements for entrusted payment of loans in this revision?

  For fixed assets loans, if it is clear that the single payment amount to a transaction object of the borrower exceeds RMB 5 million, the entrusted payment method should be adopted, and the time limit for entrusted payment should be relaxed to ten days under relevant special circumstances. For working capital loans, if the payment object is specified clearly and the single payment amount to a transaction object of the borrower exceeds 10 million yuan, the entrusted payment method should be adopted. In the case of the borrower’s emergency use of funds, the lender is allowed to appropriately simplify the materials and procedures for pre-certification of entrusted payment and review them afterwards. For personal loans, personal consumption loans with a single withdrawal amount of more than 300,000 yuan, and personal business loans with a single withdrawal amount of more than 500,000 yuan, the entrusted payment method should be adopted.

  Commercial banks may, according to the needs of risk control, set stricter standards on the basis of the relevant standards for entrusted payment. The entrusted and independent payment accounts in the regulations are all bank accounts.

  VI. What are the requirements for the prevention and control of misappropriation of loan funds in this revision?

  First, the lender should agree with the borrower in the contract that the borrower should bear the liability for breach of contract when the borrower fails to use the loan according to the agreed purpose, such as personal business loan being misappropriated in the real estate field, and the measures that the lender can take to recover the loan in advance, adjust the loan payment method, reduce the credit line, stop or suspend the loan issuance, and investigate the corresponding legal responsibilities. Second, lenders should improve the payment control system of loan funds, strengthen the application of financial technology, and effectively supervise the use of loan funds according to the agreed purposes. If it is found that the borrower misappropriates the loan funds, it shall take corresponding measures to control it in accordance with the contract.

  7. What are the clear provisions on the loan term in this revision?

  In order to fill the gap in the system of loan term, effectively prevent the risks caused by the mismatch of loan term and further optimize the loan structure, this revision makes it clear that the term of working capital loan shall not exceed 3 years. In principle, the loan period of fixed assets shall not exceed 10 years. If the loan period exceeds 10 years, the head office shall be responsible for examination and approval, and the banks whose business scope is nationwide may authorize tier-one branches for examination and approval. The term of personal consumption loans shall not exceed 5 years, the term of personal business loans shall generally not exceed 5 years, and the longest recovery period of business cash flow corresponding to the loan purpose shall not exceed 10 years.

  Where the relevant state departments have other provisions on the loan term of real estate loans, individual housing loans and individual student loans, the relevant provisions shall continue to be implemented.

  8. What adjustments have been made to the calculation requirements of working capital loans in this revision?

  Considering that different types of working capital borrowers are quite different and their actual needs are different, this revision pays more attention to the flexibility of working capital loans and supports commercial banks to actively play their subjective initiative. The Measures for the Administration of Working Capital Loans (Draft for Comment) clearly states that the lender should calculate the working capital demand of the borrower according to its business scale, business characteristics, accounts receivable, inventory, accounts payable, capital cycle and other factors, and an example of calculation method is attached for reference. At the same time, the provisions that "lenders should formulate effective calculation methods for different types of borrowers according to actual needs" and "for small and micro enterprise borrowers, lenders can analyze and judge borrowers’ working capital needs by other means" have been added.

  9. Does the "written form" stipulated in the relevant provisions of "Three Measures and One Guidance" refer to the paper version?

  According to Article 469 of the Civil Code of People’s Republic of China (PRC), a qualified "data message" is regarded as a written form. The relevant requirements of "three methods and one provision" on "written form" shall comply with the provisions of the Civil Code of People’s Republic of China (PRC).

  X. How to apply the relevant provisions of the Measures for the Administration of Working Capital Loans (Draft for Comment) and the Measures for the Administration of Personal Loans (Draft for Comment) in handling Internet loans?

  According to the provisions of Article 45 of the Measures for the Administration of Working Capital Loans (Draft for Comment) and Article 48 of the Measures for the Administration of Personal Loans (Draft for Comment), the working capital loans and personal loans that meet the relevant provisions of the Interim Measures for the Administration of Internet Loans of Commercial Banks shall be handled. If there are other provisions in the Interim Measures for the Administration of Internet Loans of Commercial Banks, those provisions shall prevail.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

The series really kept everyone waiting for too long. This flagship new machine finally met us in November. Starting from the flagship of the previous generation of vivo X series, vivo put forward the product concept of eliminating small cups. The newly released X100 series is still a full-scale mug, and there are only two models: the large X100 and the oversized X100 Pro. Next, let me show you the highlights of X100 series and decide whether to buy it after reading it.

In terms of design, X100 and X100 Pro are inspired by the sun and the moon respectively. X100 adopts a brand-new moon ring cloud step design, and the right side of the lens module is specially treated, which is the same as the crescent moon. This crescent moon is made of aviation grade stainless steel, which can not only protect the lens, but also has the characteristics of wear resistance and paint retention.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

X100 Pro is a solar ring cloud design based on the sun, which is inspired by the shining brilliance of the solar ring, and the position and color of the corresponding camera module have also changed. At the same time, X100 series is also very fine in polishing details. Not only is the lens equipped with a 2.5D gem lens, but the module also adopts the sun pattern technology of the same model of Rolex watch, which looks very advanced.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

In terms of color matching, X100 is the same in all departments, with four colors, namely Sunset Orange, Bai Yueguang, Star Blue and Chenye Black. Among them, Sunset Orange is made of plain leather, which has the advantages of comfortable feel and not easy to be contaminated with fingerprints, and it is a perfect match with X100 Pro’s solar ring cloud step design.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

X100 series’ moon ring cloud order is more suitable for Bai Yueguang and interstellar blue color matching. Among them, Bai Yueguang is made of glossy glass, while Star Blue is made of star-track micro-nano lithography technology, which looks like a galaxy flashing and has a very high value. The black color matching is an AG matte process, which is very suitable with both designs, and the overall appearance is low-key and restrained.

In terms of core performance, vivo X100 series is the first flagship processor Tianji 9300 released by MediaTek. This chip adopts a full-core design, and the CPU part is composed of four Cortex-X4 supercomputers and four Cortex-A720 supercomputers, with no small cores. Among them, the highest frequency of super-large core can reach 3.25GHz, and its performance can be said to be very powerful.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

In terms of GPU, Tianqi 9300 has a built-in 12-core Immortalis-G720 graphics processor, which can bring about an overall improvement in performance and energy efficiency. X100 series models equipped with Titianji 9300 chip also brought the launch of the seventh generation AI processor APU790 and the second generation ray tracing engine.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

It is worth mentioning that the flagship processor of Tianji 9300 was jointly developed by vivo and MediaTek, and the performance, AI, image and battery life of the processor were jointly optimized by the two policies, bringing users a more reliable and smooth computer experience.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

The performance of Tianji 9300 didn’t disappoint us either, and it formed a three-legged situation with the previously released A17 Pro and the third-generation Snapdragon 8. I believe that in the future, Tianji 9300 will have more room to play, and more and more flagship machine will choose Tianji processor.

Image performance is the strength and killer of vivo X series. This time, vivo X100 brought a 50-megapixel super-sensitive VCS bionic main camera, a 64-megapixel Zeiss super telephoto lens and a 50-megapixel super wide-angle lens, and also equipped with a dToF laser focusing sensor and a self-developed image chip V2.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

X100 Pro’s imaging ability is stronger. The main camera is IMX989 true one-inch sensor, supplemented by 50-megapixel Zeiss super telephoto lens and 50-megapixel super wide-angle lens. It is also equipped with dToF laser focusing sensor. It can be said that X100 Pro’s hardware crushed friends in the flagship mobile phone with new processor at the end of this year.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

That’s not all. X100 Pro has also brought us a brand-new self-developed video chip V3. This chip adopts 6nm process, and its energy efficiency is increased by 30% compared with the previous generation. It supports 4K movie-level portrait video, and at the same time, it can optimize the game, and the frame rate can be inserted to 120 frames, which can be said to be very comprehensive.

At the level, vivo continues to cooperate deeply with Zeiss. X100 is equipped with B-Speed blur, a new member of Zeiss lens protection, and also supports five portrait environment points. With Zeiss style and color, X100 continues to consolidate the leading position of mobile portrait photography. Finally, three kinds of personalized watermark photo frames are added in X100, which can be added according to your own preferences.

In terms of system, vivo X100 will be equipped with the newly released OriginOS4. The new system will continue to upgrade the appearance of the system, giving users a higher degree of freedom, and the system settings will be updated with brand-new color icons, which will make the display clearer, the font look more comfortable, and the overall system will look more beautiful and practical.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

Of course, the key upgrade of OriginOS4 is the big blue heart model. The brand-new blue heart model has three core functions, namely, a large text model built for end testing, a dialogue function developed for natural dialogue, and the ability to cope with extreme scenes.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

After calling Blue Heart V, you can ask it to help you write a copy, a weekly report, and also help you summarize the key points of an article or paper. You can be a good hand in writing. He can also help you find files or photos in your mobile phone quickly, just like your intimate electronic secretary, and even he can keep chatting and solve your boring time.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

Generative AI is a very hot topic this year. I believe that everyone has heard or used the ability of AI to improve the efficiency of daily work and life. The convenience provided by Blue Heart V can involve all aspects of life. I believe you will like it if you use it.

In terms of other configurations, the vivo X100 series is also generous. Stereo double lift, full scene NFC, X-axis linear motor, infrared remote control and IP68 protection are all standard. Pro version is more hard-core configuration such as universal signal amplification system, independent -Fi chip, 3-microphone and 6-channel radio system.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

In terms of endurance, the vivo X100 has a built-in 5000mAh blue ocean battery, which increases the energy density by 8.3% compared with the previous generation and supports 120W dual-core flash charging. It has a built-in 5400mAh blue ocean battery, which supports 100W dual-core flash charging and 50W wireless charging. The X100 weighs about 202g, while the X100 Pro with better configuration is 221g.

Analysis of Five Selling Points of vivo X100 Series Quality Flagship All-round Cup

So, how to choose X100 and X100 Pro? First of all, the configurations of these two mobile phones are quite high. I think that professional players who require high price for taking photos can go to X100 Pro, because they have stronger image performance and battery life, and are more hardcore. X100 can meet all the needs of taking photos in our daily life, and is suitable for friends who are looking for cost performance and thinness.

At present, vivo X100 series mobile phones have been put on the platform of JD.COM, and now you can enjoy multiple preferential gifts when you participate in pre-order activities. Interested friends can click on the link below the article to learn more and participate in the activities.

The BMW i4 was launched in the world, with a starting price of about 353,000 yuan.

Today, BMW officially released the new pure electric medium-sized car i4, which includes two models, namely, the BMW i4 eDrive40 and the BMW i4 M50. At the same time, the prices of the two models were announced. The starting price of the 2022 BMW i4 eDrive40 was 55,400 US dollars (about 353,000 yuan), and the starting price of the 2022 BMW i4 M50 was 65,900 US dollars (about 420,000 yuan). The new car will be launched in the first quarter of 2022. 

BMW i4 eDrive40 adopts a kidney-shaped semi-closed air intake grille in appearance, which has a strong visual impact. The slip-back roof line and double waistline design make the whole body look more dynamic. 

In terms of body size, the length, width and height of the new car are 4785mm, 1852mm and 1448mm respectively, the wheelbase is 2856mm, the front/rear wheel tracks are 1600/1630mm respectively, and the drag coefficient is only 0.24cd. 

Also unveiled with the BMW i4 eDrive40 is the first pure electric M-department product-i4M50. The front enclosure of the new car has been redesigned, and there are air guides designed for brake cooling on both sides of the front bumper, which are decorated with carbon fiber. In addition, the new car’s double five-spoke rims, side skirts and Portiman blue are all unique designs. 

The interior of BMW i4 has a strong family gene, and the standard T-shaped center console obviously leans towards the driver in the central part. The most eye-catching part is the double screen standing on the center console, which adopts curved design. The size of the touch screen is 14.9 inches, and the size of the full LCD instrument is 12.3 inches. At the same time, it is also equipped with a new BMW iDrive 8.0 system.

In terms of power, the BMW i4 eDrive40 has a maximum power of 340 HP, a peak torque of 430 Nm, and an acceleration time of 5.7 seconds at 0-100 km/h.. The battery pack has a capacity of 80.7 kWh and a cruising range of 590 km.

The BMW i4 M50 has a maximum power of 544 HP and a peak torque of 795 Nm. The acceleration time of 0-100 km/h is 3.9 seconds, and the cruising range reaches 510 km.

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