标签： 南京夜生活去哪玩

　　If the demotion attack is regarded as bullying, then the leapfrog attack means having enough self-confidence. When it comes to leapfrog, the first thing I think of is the brand Starway. Although Starway is a sub-brand of Chery, the cars it produces have basically achieved leapfrog, just like the previous 7-seat SUV with a class of 200,000, and the configuration is still very rich.

　　Just some time ago, the appearance of Starway once again verified what is a leapfrog attack. The highest price of Starway Eta Ursae Majoris is 200,000, but its target model is actually an SUV within 400,000. Such confidence is not available to any car company, so where does Starway Eta Ursae Majoris come from?

　　In fact, it is not difficult to find out if we take a closer look at its configuration. The most 200,000-class model is actually equipped with an intelligent assisted driving system as high as L2.99, and it also has the blessing of CDC electromagnetic suspension system, as well as a brand-new cockpit and design language. Putting these on a car at the same time is really a little bit like dressing up as a pig to eat a tiger.

　　It’s useless to talk about it. Only after driving the car and really experiencing it can we know how the so-called L2.99-level assisted driving performance is. But before driving, let’s take a brief look at the appearance and interior of Starway Eta Ursae Majoris.

　　Starway Eta Ursae Majoris adopts the aesthetic design language of Atlantis Light, and the whole front face will look more layered and futuristic. The air intake grille does not use the traditional modeling design, but boldly uses the borderless "Star Window" design, and the looming feeling also makes it more attractive for future technology.

　　The logo in the middle can be lit, which is a continuation of the previous 400T design. Although it is not a new technology, it is also a family-style continuation and inheritance.

　　A rose gold color decorative strip symbolizing nobility is added above the penetrating LED headlights, which instantly enhances its temperament. X-shaped daytime running lights are also more exaggerated and fierce. In addition, the car is equipped with three light language configurations for the first time, which is definitely one of the few configurations in the same class or even 300,000-class models.

　　Starway Eta Ursae Majoris adopts a slip-back design, especially the rear part of the car creates a feeling of tightening with lines, which makes it look more sporty and youthful. The drag coefficient of this car is 0.326cd, which is not comparable to that of new energy vehicles, but it is not high in the same class of fuel vehicles.

　　In terms of body size, the length, width and height of Xingtu Eta Ursae Majoris are 4781x1920x1671mm and the wheelbase is 2815mm, respectively. Although it is not a new energy model, the hidden door handle still appears on this model. The car will be equipped with 20-inch wheels, and the matching Michelin tires are 245/50 R20 to maximize the comfort and quietness of the vehicle.

　　The shape of the rear of the car has added more rounded designs. The penetrating taillight group not only plays a layered role, but also has the function of signal language. At present, there are only three signal languages, and if there are any new ones, they can also be directly upgraded through OTA.

　　The exhaust design of Xingtu Eta Ursae Majoris is a style of two-way four-way, but this is only for decoration. The actual exhaust is two-way double-way, but the exhaust of four-way looks really enough for fighting. Moreover, the unique top spoiler is designed like an airplane tail, which gives you the feeling of flying into the sky and looking for stars in the sky.

　　The interior adopts the design of the embracing cockpit, and the 24.6-inch high-definition curved screen is also essential, which not only increases the sense of technology, but also minimizes the number of buttons in the car. In terms of materials, Starway Eta Ursae Majoris is not soft at all. It not only uses a lot of soft bag materials, but also adds Nappa leather for embellishment. This material and workmanship can really be used as a benchmark for leapfrog products.

　　The steering wheel adopts a flat-bottomed sports design, and the two-spoke design is also very scientific and technological. The above multi-function buttons all adopt touch-control design, and the technical attributes have indeed been improved a lot, but relatively speaking, it will also increase the chances of some misoperation, and the panel is really easy to leave fingerprints.

　　The central control screen adopts Qualcomm Snapdragon 8155 car gauge chip, which has a very high operating fluency, and it also integrates many car functions, including mobile phone interconnection, online entertainment, APP download, driver assistance function setting, air conditioning, voice interaction, etc., with a very high degree of integration.

　　Three knobs and two toggle buttons are designed at the bottom of the screen, which has the feeling of an airplane cockpit, and the outward protruding design is also a big surprise. Here, the knobs on the left and right sides and the toggle button are used to control the adjustment of air conditioning, and the knob in the middle is the switching knob of driving mode.

　　Because the arms are used, the central passage becomes a huge storage space, and it is designed with a sliding cover, which can be closed when not in use, which can effectively increase the overall feeling of the vehicle. When it is opened, it will change two cup holders and a storage box in seconds.

　　The seat adjustment of the car is designed on the door panel, which makes it easier to operate. Moreover, all four doors are designed with electric door opening switches, which directly improves the sense of science and technology to a higher level. However, for the sake of safety, the traditional mechanical handle has also been retained.

　　The comfort of the front seats is really high. The main driver supports electric adjustment, seat heating, ventilation and memory functions, and has leg adjustment and waist adjustment. The headrest is also integrated with speakers, which can better ensure the driver to hear the prompts and navigation broadcasts.

　　The function of the co-pilot seat is more comprehensive. In addition to electric adjustment, heating and ventilation, there is also a massage function. At the same time, leg rests and foot rests also appear in the co-pilot seat, so it is no exaggeration to call it "the queen’s co-pilot".

　　The riding comfort of the rear seats is really high, and the seat cushion and backrest are beyond many models at the same level. The softness is really unknown, and it also has the adjustment of the electric backrest, which is much higher than many manual adjustments.

　　In terms of driving experience, the car uses a 2.0T engine and 7DCT powershift, with a maximum output of 192kW and a maximum torque of 400 N m.. This power system is actually very strong, but it may take care of the needs of more drivers and passengers, so the engine power output will be a little slow, but it is still completely acceptable.

　　If you switch to sports mode, the throttle response time will be improved a lot instantly, and the feeling of acceleration is very linear, but the noise will be a bit high, but fortunately it is also within the acceptable range.

　　The shifting logic of the transmission is actually very clever, but when the vehicle is going downhill, it will occasionally upshift itself, which is still a bit strange. Shifting paddles really add a lot of driving pleasure, especially when driving on mountain roads, and the playability is instantly improved.

　　There are seven driving modes to choose from, namely, economy, standard, sports, snow, mud, sand and off-road, and when each mode is switched, there will be a corresponding screen on the central control screen, which is quite interesting design.

　　In addition, this car is equipped with a four-wheel drive system. Although we didn’t have any chance to feel its four-wheel drive capability this time, we have felt the power of its four-wheel drive system in the venue test drive before. If you are interested, you can take a look at our previous test drive.

　　In addition, the top model of Starway Eta Ursae Majoris is equipped with CDC electromagnetic suspension, which can filter out the vibration of the road surface very well, especially on the gravel road surface, and the effect is very obvious.

　　However, this suspension also has a small problem, that is, the support for the roll is not as good as expected. Although it can be felt that the chassis is fighting against the roll, the effect is not particularly obvious. I hope it can be adjusted more later, which will bring a better driving experience.

　　In terms of assisted driving, Xingtu Eta Ursae Majoris has indeed achieved the leading level in its class. It not only has a 540 transparent chassis, but also has lane keeping, lane departure warning, fatigue monitoring, rear car warning, front collision warning, ACC adaptive cruise, lane change assistance, traffic sign recognition and so on. Basically, we can find everything we can think of in Eta Ursae Majoris, which is really worthy of praise and recommendation.

　　In addition, the car is also equipped with a HUD, which can display the driving information of the vehicle, including speed, speed, road traffic signs, etc., and can also directly display the navigation information, which is convenient for the driver to observe, so as to maximize the driving safety.

　　Summary:

　　As a 200,000-class medium-sized SUV, Starway Eta Ursae Majoris did not compare itself with the same-price model, but instead set its goal on the 400,000-class model. This leapfrog comparison is really rare, but Starway Eta Ursae Majoris has proved that it can do it with its own strength and configuration. At present, the car has been delivered to users on a large scale, and we are also expecting that more car companies will set their sights on the longer term and win the market with more practical configurations in the future.

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.