Mercedes from 475,000 yuan

  On March 1st, the brand-new Mercedes-Benz long-wheelbase E-Class sedan was listed in the China market with four new models, namely "E 300 L distinguished sedan and sports sedan". The suggested retail price of the manufacturer is RMB 599,800 yuan; "E 260 L 4MATIC Car and Sports Car", the suggested retail price of the manufacturer is RMB 475,000.

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image001

The yellow part is a new model.

  Previously, the new Mercedes-Benz long-wheelbase E-Class sedan was officially launched on December 14, 2023, taking the lead in launching six models. Nowadays, the brand-new E 300 L distinguished model, as the flagship model of the brand-new long-wheelbase E-class sedan, further meets customers’ higher requirements for luxury travel with a series of intelligent and exclusive standard configurations; The new E 260 L 4MATIC is equipped with a full-time four-wheel drive system (4MATIC), which can bring more stable handling performance in wet and slippery road conditions. With the launch of four new models, the new long-wheelbase E-Class sedan will continuously meet the diversified needs of customers with a richer product lineup.

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image002

E 300 L distinguished type

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image003

E 260 L 4MATIC

  The brand-new E 300 L limousine adopts 20-inch double 10-spoke light alloy wheels, with classic landmarks and geometric shield grille; The brand-new E 300 L sports car adopts 20-inch AMG multi-spoke alloy wheels, with dynamic shield, "Starry River at Night" grille and brand-new AMG body style components. In addition, including the new E 260 L 4MATIC, all the new long-wheelbase E-Class cars come standard with inductive retractable door handles, panoramic sliding sunroof and electric foldable exterior rearview mirrors.

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image004

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image005

E 300 L distinguished type

  The brand-new E 300 L, which is listed this time, comes standard with "Bright Star Rain" digital headlights. It uses an LED lighting system with a resolution of up to 2.6 million pixels, which can dynamically shield the high beam lighting in some areas, effectively avoiding glare and giving consideration to clear vision at night. When the vehicle is unlocked, the digital headlights can project two welcome patterns, namely "Bright Star River" or "Bright Star Rain", which are linked with lighting systems such as "Bright Star Ring" grille, "Meteor Glimpse" blanket and "Bright Star Mans" taillights.

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image006

E 300 L distinguished type

  The new E 300 L premium model is equipped with a MBUX super screen, including a 14.4-inch central display and a 12.3-inch front passenger display, which is covered by a whole piece of glass. MBUX super screen and 12.3-inch independent full LCD instrument screen adopt "2+1" screen layout, which meets the individual needs of the main and auxiliary drivers and passengers.

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image007

E 260 L 4MATIC

  The new E 260 L 4MATIC adopts the dual-screen design of 12.3-inch independent full LCD instrument screen and 14.4-inch central display screen, which can be matched with the "Bright Star River" wood decorative board /MANUFAKTUR black piano lacquer decorative board with streamline decoration/perforated black cenwood decorative board/brown perforated maple wood decorative board with aluminum lines, presenting different styles of luxury and satisfying customers’ personalized aesthetics.

  The above two screen layouts are perfectly integrated with the air outlet of the penetrating air conditioner, and are outlined by the 360-degree surround ambient light.

  In addition, the new E 260 L 4MATIC comes standard with Nappa leather multifunction steering wheel, ARTICO leather interior, front and rear head pillows with soft pillows, smog terminator and 13 airbags in the whole vehicle. The new E 300 L premium model comes standard with the function of "moving with the sound", which can make the active ambient light dance with the music, and with the Burmester? 4D surround stereo sound system supporting Dolby panoramic sound, the auditory, tactile and visual sensory experiences are perfectly integrated to create a full range of immersive enjoyment. When seated in the rear row, passengers can independently adjust the rear row temperature of the multi-zone intelligent air conditioner (THERMOTRONIC) by extending the center console through the rear row with ambient lights and wooden ornaments.

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image008

More than 10 luxury rear seats and quiet cockpit systems to create exclusive rear seats.

  The brand-new E 300 L distinguished model comes standard with over 10 luxury additions to the rear row, such as 36-degree adjustable rear electric seat, extended rear seat cushion, electrically adjustable rear seat leg rest, rear boss key, rear seat heating, rear headrest neck heating, rear door electric sunshade, rear window electric sunshade, rear wireless charging function and C-pillar privacy triangle window from flagship car. In addition, the new E 300 L premium model also comes standard with a quiet cockpit system based on the NVH upgrade of the new long-wheelbase E-class vehicle, and adopts an enhanced acoustic package and fully enclosed acoustic glass to achieve more excellent vehicle quietness.

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image009

Qualcomm 8295 Chip and the 3rd Generation MBUX Intelligent Human-computer Interaction System to Create an Immersive Intelligent Cockpit.

  In terms of intelligence, the new long-wheelbase E-Class sedan comes standard with Qualcomm 8295 intelligent cockpit chip and 5G communication technology, and brings the third generation MBUX intelligent human-computer interaction system, providing a fully upgraded "mind-reading voice assistant", with accurate recognition and quick response. Wake-up feedback can not only achieve millisecond-level quick response, but also give instructions directly through the full-scene wake-up-free function without waiting. It is worth mentioning that the new long-wheelbase E-Class sedan has built-in iQiyi, Tencent video, volcano car entertainment, QQ music and Himalaya, which has built a rich entertainment content ecology. APP is highly compatible with the car system and screen, bringing a silky and smooth entertainment experience. Customers can enjoy unlimited traffic for 3 years after activating Mercedes me Internet service. The front passenger display screen plays video content when the vehicle is moving, and the privacy function of the front passenger display screen can effectively prevent the driver from being disturbed and ensure driving safety without affecting the objective viewing experience of the co-driver.

  The brand-new long-wheelbase E-Class car adopts the 3D engine provided by Unity China, and realizes high-quality map interface rendering in the brand-new high-tech customized navigation, endowing the navigation page with special effects such as light and shadow effect, grass animation, water reflection, etc., so as to provide users with real-time updated virtual guidance in the real world. China’s exclusive lane-level navigation function can accurately identify the lanes where vehicles are located on expressways and expressways, provide fine lane-level route guidance, and prompt users to change lanes in time at an appropriate position near the exit, so as to avoid missing the ramp due to unfamiliarity with the lane change.

Since the sale of 475,000 yuan, four new models of Mercedes-Benz long-wheelbase E-Class sedan have been launched _fororder_image010

The new E 300 L comes standard with L2+ navigation-assisted driving, realizing a silky "man-machine driving" experience.

  The new E 300 L model comes standard with L2+ navigation assisted driving system, which covers daily high-speed and urban expressway sections. When driving at high speed, the vehicle can automatically overtake the local train and automatically stay away from the big car. The assisted driving system does not grab the steering wheel, accelerate or decelerate or change lanes rapidly, and has more visual and auditory multi-directional reminders, effectively reducing the fatigue of long-distance driving. In addition, including the brand-new E 260 L 4MATIC, the brand-new long-wheelbase E-Class sedan comes standard with intelligent navigation distance limiting function, blind spot assistance system, active lane keeping assistance system, active emergency braking system (AEB), intelligent parking, reversing image and other driving assistance functions, providing comprehensive active safety protection and driving support. In addition, the new E 300 L premium model also comes standard with a head-up display system and a "real-life navigation" function.

  The new long-wheelbase E-Class sedan is equipped with M254 2.0-liter inline four-cylinder engine and ISG intelligent motor system. The new E 300 L distinguished engine has a maximum power of 190 kW and a peak torque of 400 Nm. The acceleration time of 0-100 km/h of 6.6 seconds is 0.3 seconds shorter than that of the previous generation, and the fuel consumption per 100 km is 0.9 liters lower than that of the previous generation. The new E 260 L 4MATIC engine has a maximum power of 150 kW and a peak torque of 320 Nm. Through the upgraded full-time four-wheel drive system (4MATIC), more power can be distributed to the front wheels, achieving more ideal front and rear power distribution and further improving the dynamic performance of the vehicle. The new E 260 L 4MATIC can provide stable traction control whether driving fiercely or on wet, rainy and snowy roads. The four-wheel drive system has obvious advantages over the previous generation in terms of weight, which is helpful to improve the fuel economy of the vehicle. The comprehensive fuel consumption of the new E 260 L 4MATIC is only 6.55 liters/100 kilometers, saving 1.6 liters of fuel per 100 kilometers compared with the previous generation. (Source: Mercedes-Benz)

New energy vehicles of the 355th batch of officially announced new cars led by GAC Toyota bZ4X//Dongfeng Nissan Ariya.

A few days ago, the Ministry of Industry and Information Technology released the 355th batch of "Announcement of Road Motor Vehicle Manufacturers and Products", including many popular new cars that have been exposed for many times. Today, let’s summarize the new energy vehicles in this batch, among which Guangzhou Automobile bZ4X, Ariya, Ideal L9, AITO Wenjie M7 and other vehicles have some information exposure. Let’s take a look.

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It should be noted that in order to simplify your reading, we will no longer describe the appearance design, modeling and other aspects of the new car, but only provide the published core parameters of the new car for your quick browsing.

In addition, users who want to see the joint venture brand traditional fuel vehicle articles please click (here); Users who want to see their own brand of traditional fuel vehicles please click (here).

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Guangzhou Automobile bZ4X

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The length, width and height of Guangzhou Automobile bZ4X are 4690/1860/1650mm and the wheelbase is 2850mm, respectively. There are two types in tyre size: 235/60 R18 and 235/50 R20, and the kerb quality is divided into two drives according to different configurations: 1865/1905kg; Four-wheel drive 2000/2035kg two versions, all models are 5-seat layout.

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In terms of power, the two-wheel drive model uses a motor with a peak power of 150kW, while the four-wheel drive version consists of a motor with a peak power of 80kW before and after. The motors are all provided by Aisin, and the lithium battery is provided by Contemporary Amperex Technology Co., Limited.

Ariya

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Ariya has a length, width and height of 4603/1900/1658mm and a wheelbase of 2775mm, respectively. Tyre size has two types: 235/55 R19 and 255/45 R20. According to different configurations, the kerb quality is divided into two versions: 2106/2116kg; Four-wheel drive: two versions of 2245/2269kg, and all models are 5-seat layout.

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In terms of power, the maximum power of the two-wheel drive version is 178kW, and the four-wheel drive version is equipped with a motor with a maximum power of 160kW at the front and rear axles. The motor is provided, the battery is ternary lithium battery, and the supplier is automobile.

Euler punk cat (180kW version)

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The length, width and height of the Euler punk cat are 4749/1989/1725mm respectively, and the wheelbase is 2915mm. There are 255/50 R20 and 265/45 R21 in tyre size, with a curb weight of 2350kg and five seats.

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In terms of power, in addition to the previously declared version of 220kW, this time, a new version using a motor with a maximum power of 180kW is declared, which is provided by United Electronics and the battery is a ternary lithium battery provided by Contemporary Amperex Technology Co., Limited.

Feifan R7

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The length, width and height of Feifan R7 are 4900/1925/1655mm and the wheelbase is 2950mm, respectively. There are four types of tyre size: 235/50 R20, 255/45 R20, 235/45 R21 and 265/40 R21. The kerb quality is divided into two versions according to different configurations: 2168/2210kg; Four-wheel drive: 2310kg version, all models are 5-seat layout.

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In terms of power, the maximum power of the two-wheel drive version is 250kW, and the four-wheel drive version adds a motor with a maximum power of 150kW to the front axle. The front axle motor is provided by United Electronics, the rear axle motor is provided by Huayu, and the battery is a ternary lithium battery. The supplier is the times. According to the public information, the car will be able to support the power exchange mode.

Fengshen E70 PRO

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The length, width and height of Fengshen E70 PRO are 4790/1725/1530mm respectively, and the wheelbase is 2700mm. Tyre size is 205/50 ZR17, and the kerb quality is divided into two versions: 1502/1537kg according to different configurations; All models have a 5-seat layout.

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In terms of power, the new car uses a motor with a peak power of 110kW, which is provided by Foday Power, and the battery is lithium ternary battery and lithium iron phosphate battery provided by Xinwangda.

Air ev

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Two-seat edition

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Four-seat edition

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Air ev is divided into two sizes: two-seat version (standard axis) and four-seat version (long axis), in which the length, width and height of the two-seat version are 2599/1505/1631mm and the wheelbase is 1635mm; respectively; The length, width and height of the four-seat version are 2974/1505/1631mm and the wheelbase is 2010mm respectively. All models in tyre size are 145/70 R12. In terms of kerb quality, the two-seat version is divided into two versions: 760/818kg. The four-seat version is divided into three versions: 815/860/888kg, and the whole model is divided into two layouts: 2/4 seats.

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In terms of power, the two-seat version uses a motor with a peak power of 30kW, which is provided by Zhejiang Fangzheng and Ningbo Shuanglin. In addition to this 30kW motor, the four-seat model will also provide a version using a 50kW motor, and the suppliers are both the above two. As for batteries, all models use lithium iron phosphate batteries, and the suppliers of energy storage devices are composed of five suppliers: Huating Power, Guoxuan Hi-Tech, Keyixin Power, Contemporary Amperex Technology Co., Limited and Penghui Power.

Automobile factory Yanling S3

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The length, width and height of Yanling S3 are 3162/1498/1585mm and the wheelbase is 2050mm, respectively. Tyre size is 155/65 R13, and the kerb quality is divided into two versions: 693/740kg according to different configurations. All models have a 4-seat layout.

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In terms of power, the new car uses a motor with a peak power of 20kW, which is provided by Zhejiang Fangzheng Motor, and the supplier of energy storage device assembly is Jiangxi Ganfeng Lithium Battery, with a built-in lithium iron phosphate battery.

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Ideality L9

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The ideal L9 has a length, width and height of 5218/1998/1800mm and a wheelbase of 3105mm, respectively. Tyre size has 255/50 R20 and 265/45 R21, and the curb weight is 2520kg;; At present, the declared vehicle type is 6-seat layout.

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In terms of power, the new car uses a plug-in hybrid power system, in which the maximum static power of a 1.5T gasoline engine is 110kW, which is provided by Sichuan Ideality Xinchen Technology Co., Ltd., and the supplier of energy storage device assembly is Contemporary Amperex Technology Co., Limited, with a built-in ternary lithium battery, with a total capacity of 42.6 kW h. According to the contents of the Catalogue of Vehicles with Energy Saving and New Energy Utilization (the thirty-eighth batch) published in the same period, the pure electric mileage (WLTC standard) of this vehicle is 175km.

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The length, width and height of Tanyue GTE are 4595/1860/1664mm and the wheelbase is 2731mm, respectively. Tyre size is 235/55 R18, and the curb weight is 1856kg;; At present, the declared vehicle type is 5-seat layout.

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In terms of power, the new car uses a plug-in hybrid power system, in which the maximum static power of a 1.4T gasoline engine is 110kW, which is provided by-,the supplier of energy storage device assembly is-,and the built-in ternary lithium battery is provided by Contemporary Amperex Technology Co., Limited, with a total capacity of 13 kW h. According to the contents of the Catalogue of Vehicles with Energy Saving and New Energy Utilization (the thirty-eighth batch) published in the same period, the pure electric mileage (WLTC standard) of this vehicle is 46km.

Sai Li si AITO Wen Jie M7

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The length, width and height of AITO boundary M7 are 5020/1945/1775mm and the wheelbase is 2820mm, respectively. Tyre size is 255/50 R20, and the curb weight is 2340kg;; At present, the declared vehicle type is 6-seat layout.

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In terms of power, the new car uses a plug-in hybrid power system, in which the maximum static power of a 1.5T gasoline engine is 90kW, which is provided by Chongqing Xiaokang Power Co., Ltd., and the maximum power of a driving motor is 200kW. The supplier of energy storage device assembly is Sichuan Times New Energy Technology Co., Ltd., and the built-in ternary lithium battery is provided by Contemporary Amperex Technology Co., Limited with a total capacity of 40.06 kW h. According to the contents of the Catalogue of Vehicles with Energy Saving and New Energy Utilization (the thirty-eighth batch) published in the same period, the pure electric mileage (WLTC standard) of this vehicle is 150km.

Plus kunpeng e+ (four-wheel drive version)

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The length, width and height of Tiggo 8 Plus Kunpeng e+ are 4722/1860/1754mm and the wheelbase is 2710mm respectively. Tyre size is 235/50 R19, and the curb weight is 1908kg;; At present, the declared vehicle type is 7-seat layout.

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In terms of power, the new car uses a plug-in hybrid power system, in which the maximum static power of a 1.5T gasoline engine is 108kW, which is provided by Automobile Co., Ltd.. The energy storage device is ternary lithium-ion battery, and the manufacturers of monomer and assembly are Hefei Guoxuan Hi-Tech Power Energy Co., Ltd.. According to the lettering on the lower right of the tailgate, a four-wheel drive system will be added to the new car.

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Through the full text, it is not difficult to find that most of the models appearing in this paper are brand-new models, especially and have finally come up with brand-new pure electric vehicles with full competitiveness, while brands such as Xiang and AITO are constantly innovating and further expanding their product lines. Since all the new cars have been announced by the Ministry of Industry and Information Technology, it will be 2-3 months before the fastest time to go on the market. If you have a favorite model, you might as well get ready to buy a car. Remember to keep an eye on the reports of our 58 cars.

A variety of online wealth management products are selling well. Why is online wealth management popular?

Tencent Wealth Management recently released the Post-90s Financial Management and Consumption Report, which shows that more and more young people prefer to manage their finances through the Internet, and 84.5% of the post-90s people choose the Internet platform, which is far higher than the proportion of traditional financial management channels such as banks. Xu Junzuo (Xinhua News Agency)

Fujian Branch of Agricultural Bank of China has shifted its service focus to mobility and intelligence, providing customers with convenient and fast financial services. The picture shows the employees of Fujian Jinjiang Sub-branch of Agricultural Bank of China handling business for customers through the "super counter". Photo by Liang Zhiqiang (People’s Vision)

  During the epidemic prevention period, many people stayed at home, and online financial management quietly caught fire.

  Recently, the data released by Alipay showed that the sales of platform deposit wealth management products increased by over 100%, and the fund subscription trading day increased by 400%. The sales of various online monthly wealth management products showed a "second-empty" pattern, and the live broadcast of wealth management was also widely sought after. What are the new trends in online financial management? Is it a temporary phenomenon or the mainstream in the future?

  Recently, online financial management is particularly hot.

  "Today’s income is more than 70 yuan, not bad." Recently, Liu Duo Jr., a Beijing office worker, made a habit of opening Alipay wealth every morning to see the income. "I haven’t bought a fund before. At most, I just put my spare money in the balance treasure, and I earn six or seven yuan a day." Xiao Liu said, "Recently, many colleagues and classmates around me are buying funds and managing money. I am a little moved, so I follow suit ‘ Get on the bus ’ 。”

  Xiao Liu said that in the past, when she had spare money, she kept regular savings. Although the interest rate was stable, the income was low. "I am usually very busy at work, and I don’t have much time and thought to ponder over financial management, but I am often at home during this time, and I began to study financial management." Xiao Liu smiled. "I didn’t expect it to be so convenient to buy wealth management now. You can buy it directly on Alipay."

  The data shows that after the Spring Festival this year, the transaction activity of wealth management users on Alipay has increased significantly, and the number of visits to positions and market information has doubled compared with that before the holiday. "We found that many users can’t go out and spend money during the epidemic prevention period, and they will choose to transfer their funds to do some stable financial management." According to the person in charge of Ant Wealth Operation, some regular products with income above 4% have been launched recently, which are sold out quickly after being put on the shelves every day, and the sales volume has increased by more than 100%. "This also reflects that users are more stable in investment under the epidemic."

  Ms. Zhang from Xuzhou, Jiangsu Province is a veteran of financial management. She told reporters that in the past, it was time-consuming and inefficient to buy financial management at the bank counter. "Wealth management products are becoming more and more common in recent years." Ms. Zhang said, "In the past, when we went to the bank, we just kept a regular deposit. There were not many people who bought wealth management products. In recent years, banks have moved financial management online, which not only improves visibility and transparency, but also improves convenience. "

  It has been some time since banks moved their wealth management from offline counters to their own online, and a recent change is that a large number of wealth management products from different banks are concentrated in third-party platforms, which has triggered a new wave of buying wealth management and fund products. For example, since February 18th, 30 financial institutions, including ICBC and Agricultural Bank of China, have put nearly 100 explosive deposits and fund products of their own into Alipay "Wealth Management Week", so that users can "buy in buy buy" just by opening Alipay, thus meeting the diversified needs of investment and wealth management. Relevant data show that Alipay has launched more than 1,000 wealth management products through cooperation with more than 300 institutions, and launched wealth management products such as term, fund and gold for investors with different risk tolerance. The risk types are divided into five grades from low to high, and it has accumulated more than 600 million users.

  According to the person in charge of wealth management business in JD.COM, during the epidemic prevention period, the subscription transaction volume of Jingdong Financial Platform Fund remained at a high level. "The proportion of equity funds in user asset allocation has increased significantly. Taking the new fund as an example, the new fund raising has a hot momentum, which greatly exceeds the previous performance. The amount raised by a single fund has increased by 20 times compared with the past. " According to the person in charge, Jingdong Financial Platform cooperated deeply with financial institutions during this period, and recommended market-recognized star fund managers and products for investors. At the same time, during this period, the user experience is continuously optimized, so that users can enjoy a stable and secure investment and financial management experience without leaving home or staying at home.

  "Chasing financial live broadcast like a drama"

  Open Alipay’s homepage and enter the "Financial Week" interface. There are not only stable long-term financial products to choose from, but also high-yield funds and large bank time deposits for consumers to choose from. The long-term insurance wealth management products with an annualized rate of about 4.7% have been sold short, which shows the enthusiasm of consumers.

  It is understood that behind the recent "second light" of online wealth management products, there is another important factor, that is, there are new changes in the ways and means of recommending wealth management products online, and the live broadcast of wealth management has attracted more users.

  Xiao Li, who has just worked for a year and a half, has formed financial habits. Xiao Li introduced that in the past, he knew nothing about wealth management products, and he was also confused about buying them. He bought whatever the homepage recommended. Since Alipay started the "Financial Week", there has been a live broadcast of financial teaching almost every day, and Xiao Li’s understanding of financial management is refreshing every day. "I am now chasing financial live broadcasts like a drama." Xiao Li said with a smile, "This has greatly improved my financial management ability and gained a more comprehensive understanding of the market."

  According to the data from Alipay, since the Spring Festival, nearly one million people have watched the financial live broadcast in Alipay, an increase of 63.8% compared with that before the holiday, and users in Guangdong, Zhejiang and Jiangsu have the highest enthusiasm. "post-90 s" is the main force to watch the live broadcast of financial management, accounting for nearly 40%; Nearly 13% of the live audience are middle-aged and elderly, and their enthusiasm for learning financial management knowledge is also high.

  Lack of professional knowledge and being cheated in investment and financial management are the most worrying issues for some elderly people. Aunt Chen, who is nearly 70 years old, said that the elderly should also keep up with the trend of the times. Watching live broadcasts to buy wealth management can help them make better use of their pensions and obtain steady income. "I watched Alipay’s financial live broadcast under the leadership of my niece." Aunt Chen said, "Listening to experts and teaching financial knowledge, buying your own financial management is also more bottomed out. Sometimes I will ask questions from experts during the interactive time, and experts will reply seriously. "

  The person in charge of wealth management business in JD.COM said that in the next step, Jingdong Financial Platform will continue to optimize the user experience according to the user characteristics, and cooperate with financial institutions by combining the popular live broadcast and other means to continuously enrich the investment content and provide professional investment categories.

  Ceng Gang, deputy director of the National Finance and Development Laboratory, said that the transfer of wealth management investment from offline to online is a necessary adjustment for institutions to adapt to the changes in users’ consumption habits.

  "Alipay is like Wangfujing online, and other platforms such as WeChat and JD.COM are similar to Xidan and Guomao online." Ceng Gang believes that the presence of institutions in the platform is conducive to the formation of a good ecological relationship among institutions, users and platforms, and the three parties will develop together. The traffic platform empowers institutions and improves customer satisfaction; The organization broadens the sales channels through the platform, reduces the labor cost of offline consumption, and better follows the changes of users’ needs; The platform can form a more perfect ecosystem and a new economic growth point through the presence of multiple institutions, and the needs of users can be better met in this process. The new means of financial live broadcast has also brought the parties closer.

  The trend of online financial services is obvious.

  "Rather than saying that online financial management has become an inevitable trend, it is better to say that the modernization and online trend of financial services is very obvious and will become the mainstream in the future." In view of the small upsurge of online financial management initiated by Alipay, Ceng Gang believes that it is nothing new for banks and other institutions to settle in third-party platforms, and it is also in line with the development and changes of the whole industry. "In the past, people were not used to frequently visiting bank websites or apps to view the latest wealth management product information. Therefore, the entrance with more online traffic has become a potential sales channel for banking institutions. The third-party platform represented by Alipay has a traffic advantage. "

  Ceng Gang pointed out that there is a complementary cooperative relationship between financial technology platforms and banks, and this relationship will become more and more obvious. Taking Alipay and Bank as examples, Alipay platform has expanded the bank’s sales ability on the Internet. At the same time, Alipay can also give full play to the platform traffic advantage in cooperation.

  However, online financial management also has some shortcomings. Ceng Gang said that the biggest deficiency of online financial management lies in the standardization of management and the division of power and responsibility. He pointed out that in the past, offline sales were compliant in form, consumer protection was in place, and problems and disputes were better solved, while online financial management still needed to be strengthened in terms of consumer protection and future rights and responsibilities confirmation. "Because more and more products are sold online, but banks don’t meet consumers, how do banks know that the products they sell are suitable for customers? At the same time, banks are not sure whether customers understand the risk-return characteristics behind products. " Ceng Gang said.

  At the end of last year, the People’s Bank of China Banking and Insurance Regulatory Commission and China issued the Notice on Regulating the Management of Cash Management Financial Products (Draft for Comment). The Notice pointed out that commercial banks and bank wealth management subsidiaries should strengthen the management of investors’ appropriateness when selling cash management products, fully disclose information and risks to investors, and must not publicize or promise to protect the capital, and must not exaggerate or unilaterally publicize the investment income or past performance of cash management products. Commercial banks and banking subsidiaries shall, according to the business nature and risk characteristics of cash management products, establish and improve the business management system of cash management products, formulate and implement corresponding risk management policies and procedures, ensure the continuous and effective identification, measurement, monitoring and control of various risks of related businesses, and ensure that the management scale of cash management products matches their own personnel reserve, investment and research and customer service capabilities, risk management and internal control level.

  Ceng Gang believes that in the next step, institutions should better regulate the process of online wealth management sales, and make detailed responsibilities in protecting consumers’ rights and interests. "While institutions and platforms adapt to the changes in consumer financial behavior, the regulatory level also needs corresponding system supervision rules to create better conditions for the healthy development of the business."

  For individual investors, Zhang Yu, director of Alipay Wealth Group, suggested adopting the strategy of "one stable, two divided and three deadlines". Specifically, "one stability" means that investment and financial management should be seen as believing and everything should be implemented in a written contract; "Dichotomy" means that investors should allocate funds according to different investment preferences, taking into account different rates of return; "Three-term" means that all investments should be divided into three categories according to the term, and sufficient current or liquidity funds should be reserved for emergencies.