标签： 上海夜生活论坛

Welcome to the Autohome Shanghai promotion channel, bringing you the latest car market trends. At present, the much-watched car purchase promotion is launching an unmissable car purchase promotion in Shanghai. This luxury new energy SUV is attracting consumers with an attractive discount of up to 80,000 yuan, and the minimum selling price has been reduced to 469,000 yuan. To seize this rare car purchase opportunity, you may wish to click "Chatti Car Price" in the quotation form below to get a more competitive car purchase discount. This is not only a good time to buy a car, but also a great choice to experience the charm of Lexus New Energy.

The exterior design of the Lexus RX New Energy continues Lexus’ usual luxury and sophistication. The front face features a family-style spindle grille, and the delicate chrome trim is combined with matrix LED headlights to create a unique sense of identity and technology. The overall body line is smooth, blending power and elegance, showing Lexus’s persistent pursuit of detail and aesthetics. Whether it is on the city street or in the natural scenery, it can become the focus of attention.

Lexus RX New Energy shows its elegance and power with its exquisite side design. The body size is 4890mm x 1920mm x 1695mm, and the wheelbase reaches 2850mm, giving it a spacious interior space and excellent driving stability. In terms of tire specifications, the front and rear wheels are equipped with tires with specifications of 235/50 R21, which not only guarantees driving performance, but also presents its unique visual effect. The careful matching of tires and rims further enhances the vehicle’s sense of movement and luxury.

The interior design of the Lexus RX New Energy fully reflects the fusion of luxury and technology. The exquisite leather steering wheel adopts an ergonomic design, which not only provides a comfortable grip, but also supports electric up and down + front and rear adjustment to ensure that the driver can find the best driving position in different driving scenarios. The 14-inch central control screen stands in the center of the cockpit, is clear and easy to operate, integrates multimedia systems, navigation and phone functions, and supports automatic speech recognition, which makes it convenient for users to control many functions of the vehicle through voice.

In terms of seats, the seats of Lexus RX New Energy are made of top leather to provide good ride comfort. The main and passenger seats are equipped with multi-directional adjustment functions such as front and rear adjustment, backrest adjustment, high and low adjustment and waist support, as well as heating and ventilation functions to ensure the best ride experience in different seasons. The driver and passenger seats are also equipped with electric seat memory function, which is convenient for different drivers to quickly adjust to personal habits. The rear seats support backrest adjustment and have a proportional reclining function to provide flexible space layout for passengers and luggage.

Lexus RX New Energy is equipped with a 2.5L four-cylinder engine with a maximum power of 136 kilowatts, providing a stable and efficient power performance for the vehicle. The maximum torque of this engine is 228 Nm, and with the E-CVT continuously variable transmission, it ensures the ride and fuel economy of the vehicle during driving.

Summarizing the experience of the car owner, he particularly praised the pure electric acceleration performance of the Lexus RX new energy, believing that its power response is fast, giving the driver a pleasant handling experience. At the same time, he also agreed with the stylish atmosphere of the exterior design, which undoubtedly satisfied his pursuit of vehicle aesthetics. In addition, he also placed special emphasis on the sound insulation effect of the vehicle, creating a quiet interior environment for the driver and ensuring the comfort of the ride. Therefore, for those consumers seeking high performance and comfort, the Lexus RX new energy is undoubtedly a high-quality choice worth considering.

[Autohome Changzhou Discount Promotion Channel] Good news! In order to meet the needs of consumers, the high-profile models in the Changzhou market are currently undergoing an unprecedented promotion. The discount has a surprising profit margin of 186,000 yuan, and new energy models with original prices as high as 708,900 now have the opportunity to start at a lower price. If you want to seize this unmissable car purchase opportunity, you may wish to click "Check Car Price" in the quotation form, act in time to get higher discounts, so that your car purchase dream is more within reach.

With its unique design language, Volvo XC90 New Energy shows the perfect combination of elegance and power. The front part adopts the classic Volvo family design, and the iconic straight waterfall air intake grille not only enhances the visual impact, but also shows the brand’s consistent exquisite craftsmanship. In the overall style, the body lines are smooth, showing the futuristic sense and environmental protection concept of new energy models, paying attention to practicality without losing the luxury atmosphere. In the details, the exquisite LED headlights and the body contour complement each other, jointly shaping the extraordinary style of XC90 New Energy.

On the side of the body, the Volvo XC90 New Energy shows an elegant streamlined design. Its slender body size is 4953mm*1958mm*1772mm, and the wheelbase reaches 2984mm, showing a spacious interior space and excellent body proportions. The side lines are smooth and powerful, strengthening the vehicle’s sense of mobility and stability. The front and rear tire specifications are 275/45 R20. The choice of tires not only guarantees driving performance, but also complements the body style. The wheel design reflects Volvo’s pursuit of detail and luxury.

The Volvo XC90 New Energy is characterized by an interior design that places equal emphasis on luxury and technology. The exquisite leather steering wheel provides manual up and down + front and rear adjustment functions for a comfortable grip. The central 9-inch high definition touch screen integrates multimedia systems, navigation and phone functions, making it easy for the driver to control vehicle information at any time. The seats are made of fabric and leather, and the seat design focuses on comfort. The main and passenger seats support front and rear adjustment, backrest adjustment, height and waist support adjustment, and provide heating, ventilation and massage functions to make long-distance driving more relaxed and comfortable. The front row is also equipped with wireless charging function of mobile phones, which brings more convenience to travel. In addition, the seat memory function and the front and rear adjustment function of the second row of seats ensure that the individual needs of passengers are met.

Volvo XC90 New Energy is equipped with a powerful 2.0T turbocharged engine with a maximum power of 228 kilowatts and a maximum torque of 400 Nm. With an output of 310 horsepower and an 8-speed automatic transmission, this engine provides the driver with a surging power performance and a smooth driving experience.

Overall, the Autohome owner’s evaluation of the Volvo XC90 New Energy is full of admiration. He expressed his approval for the minimalist atmosphere of the body design, especially the amazement of the Thor Hammer and Viking Axe headlights. It seems that these elements add extra charm to his driving experience. The owner believes that the front design is better, which undoubtedly makes the XC90 New Energy more visually attractive. While pursuing quality and individuality, the Volvo XC90 New Energy seems to have just met the expectations of the owner @yearning for freedom 1688, becoming his ideal partner on the road.

CCTV News:Buying a house requires a loan, and everyone has become accustomed to it; Now the cemetery can also get a loan. A few days ago, a cemetery in Kunming launched a "cemetery mortgage loan" with a maximum loan of 200,000 yuan and a term of 10 years.

According to the staff, this is a pure credit loan and no mortgage is needed. Male age+loan period is not more than 75 years old, and female age is not more than 65 years old. The down payment is 20%, and the loan interest rate is 9%. If there is a guarantor, you can also achieve a down payment of 0. If it is handled, it can be completed within one week at the earliest.

However, once this "cemetery loan" was launched, it caused an uproar. Finally, the bank announced that it would cancel the credit project and ended in a hurry.

Qiqi’s loan can be more than this one. Not long ago, the advertisement of "bride price loan" launched by Jiangxi Jiujiang Bank rushed to the hot search, and the related recommendation language made people stunned: "Don’t worry about the bride price, lend a stable happiness." The poster shows that the "bride price loan" can be loaned up to 300,000 yuan, up to one year, and the annual interest rate is as low as 4.9%, which is used for wedding travel, car purchase, jewelry purchase and so on.

After the "bride price loan" rushed to the hot search and triggered a hot discussion on the Internet, the supervision intervened in the investigation. At present, the bank issued an apology statement, saying that the person directly responsible had been suspended.

In addition to cemetery loans and bride price loans, there are down payment loans for buying a house, second child loans for giving birth to a baby, rent loans for renting a house, home improvement loans for decoration, beauty loans for medical beauty, travel loans for going out, and all kinds of wonderful loans give people the illusion that there are loans wherever there is demand.

In addition to loans for specific projects, there are also loans for different groups of people. For example, tailor-made gardener loans for teachers, reporter loans for journalists, angel loans for medical staff, chef loans for chefs and so on. As long as you have a demand, you can definitely find a loan tailored for you.

Instead of welcoming the expected enthusiasm, these fancy loans full of gimmicks attracted criticism from ordinary people.

Consumers don’t pay the bill, why do banks have so many wonderful loans? The reason is that in the past two years, with the suspension of offline cross-regional operations of small and medium-sized banks, the restriction of online cross-regional lending, and the sinking of consumer loans, the performance pressure has become increasingly heavy. Under the pressure of business, in 2021, products such as "bride price loan" and "cemetery loan" which are known to be controversial began to take off.

Yue Yunsheng, Secretary General of Rules and Regulations Committee of Beijing Lawyers Association:The starting point of a bank must be to increase its income, and what products the bank designs. I think this is understandable. The key is that the premise is to comply with the laws and regulations, and the key is to conform to public order and good customs. You can’t design some products that will corrupt the social atmosphere.

The data shows that these wonderful loans are indeed slightly higher than the annual interest rates of other consumer loans. For example, "bride price loan" can buy a car, and its loan interest rate is 4.9% per year, while the average annual interest rate of consumer loans for automobiles may be only about 3%.

In addition to making money, banks’ competition for consumer application scenarios is also the reason for the endless stream of exotic loans.

Experts said that some loan scenarios in personal consumption have been occupied, such as mortgage and car loan. Therefore, banks have to find consumer application scenarios and make loans bigger, so various names have come out.

It is undeniable that with the intensification of competition in the financial market, the pressure on some financial institutions, especially small and medium-sized banks, has increased sharply in recent years. While competing for market segments, there are also some small and medium-sized banks that choose to go sideways and play special gimmicks.

Yue Yunsheng, Secretary General of Rules and Regulations Committee of Beijing Lawyers Association:Now, some of them may be scratching their edge, that is, the so-called public order and good customs, which are relatively vague with legal boundaries and moral boundaries after all. At this time, in order to be unconventional or gain a certain competitive advantage, banks always have to innovate something. The so-called innovation, whether in terms of innovation or innovation in marketing methods, is aimed at serving the purpose of making profits.　

Wonderful loan "loan" does not come to consumption upgrade

What kind of problems are reflected behind these wonderful loans? Is it really to promote consumption upgrading, as the bank said?

Ms. Li from Changsha, Hunan Province, had a rhinoplasty operation in a plastic surgery hospital two years ago. At that time, due to the shortage of funds, the beauty hospital recommended her a "phased" loan platform.

According to the information provided by Ms. Li, her loan has been repaid in 24 installments, and all of them have been repaid at present. However, recently, she found that one of the two credit cards in her name had a reduced loan amount, and the other was directly suspended. After the investigation, I found that I had a serious bad credit record.

It is clear that the arrears have been settled, but there is an overdue amount of 5652 yuan on the credit transaction details, which makes Ms. Li puzzled.

Nowadays, there are still many serious consequences caused by beauty loans. Because Wuhan Xiaowang was unable to repay the loan after cosmetic surgery, he was taken by the intermediary to sell eggs and pay back the money.

I went to three hospitals in a row, and after 17 days of egg-promoting injections, the egg retrieval still ended in failure. When Xiao Wang came home, he felt unwell and suddenly fell into a coma, almost losing his life.

Micro-loans like this are everywhere in today’s society. An ID card and a mobile phone number can enjoy the treatment of advanced consumption, which seems to be convenient for the public, but it is hidden.　

Central Bank: Individual financial institutions launch "wonderful loans" to touch the social bottom line.

In response to these wonderful loans, the central bank also responded yesterday (1 ST). Individual banks challenged social pain points under the banner of so-called financial innovation, guided residents to over-debt, and touched the bottom line of social public order and good customs.

Zou Lan, director of the Financial Markets Department of the Central Bank, said that individual banks, under the banner of so-called financial innovation, challenged social pain points, guided residents to over-debt, touched the bottom line of social public order and good customs, and broke away from their duties of financial services to the real economy. In fact, the essence of this kind of loans is consumer loans, and individual banks promote customers by making gimmicks, which also reflects the lack of service capabilities of some small and medium-sized banks.

Director, Financial Market Department, People’s Bank of China　Zou LAN:We should promptly correct practices that violate public order and good customs and run counter to the state’s major policies.