Following the debut of a new generation of E-Class cars at the Shanghai International Auto Show, their exhibition cars will arrive in the exhibition halls of 4S stores one after another in recent days. According to the salesperson of 4S store, all the exhibition cars arriving at the store in advance are Mercedes-Benz E300 models equipped with V6 engine.

　　At present, Mercedes-Benz New E can accept reservations, and consumers who pay the deposit will pick up the car as soon as the end of July. Let’s take a look at the performance of the new Mercedes-Benz E300 in advance through the following parameter exposure.

　　The body size of the new Mercedes-Benz E300 is 29mm lower than that of the current Mercedes-Benz E, and its length, width and wheelbase are 16mm, 32mm and 20mm higher than that of the current Mercedes-Benz E.. It can be seen that the new Mercedes-Benz E300 has not only been redesigned in appearance, but also has more spacious interior space than the current models, especially the rear legroom. In addition, in terms of power system, the new Mercedes-Benz E300 is still equipped with the classic 3.0V6 engine.

　　The brand-new (|) sedan still maintains the sedate and elegant features of Mercedes-Benz, which is more dynamic than the eighth generation E-Class car on sale. On the new Mercedes-Benz E-Class car, the iconic "four-eye" round lamp was replaced by a diamond, and the front fog lamp was replaced by a flat LED lamp.

　　It can be seen from the seam between the hood and the front fender on the side of the car and the arc ridge line that runs through the door handle from the front wheel arch that the new Mercedes-Benz E-Class sedan and the new C-Class sedan are interoperable in design language.

　　The combination of a beautiful arc and two lines protruding from the rear wheel arch not only highlights the sense of muscle and layering of the car body, but also can be regarded as a design symbol of the new design director Gordon Wagner-the new E-Class family is the first mass production work independently completed by Wagner after taking office.

　　The tail of Mercedes-Benz new E300 model adopts the same configuration as the flagship S-class model, and the trunk lid is electrically closed and locked. It not only embodies the humanized design, but also is more convenient in daily use.

oneThe EU will conduct a counter-investigation on electric vehicles in China.

Official website, the European Commission, disclosed that European Commission President Ursula von der Leyen said in his fourth "Union Address" to the European Parliament that the European Commission would launch a countervailing investigation against electric vehicles imported from China. Ursula von der Leyen said in his speech, "The global electric vehicle market is full of cheap China cars. Their prices are low because they have received huge state subsidies, which is distorting our market." (shanghai securities news)

2The European Union Chamber of Commerce in China responded to the countervailing investigation decision.

The European Chamber of Commerce in China expressed great concern and opposition to the European Commission’s decision to implement the countervailing investigation on electric vehicles in China, and urged the European side to look at the development of China’s electric vehicle industry objectively, instead of arbitrarily using unilateral economic and trade tools to prevent or increase the development and operating costs of China’s electric vehicle products in Europe, which violated the EU’s commitment in the WTO. (The Paper)

threeThe Ministry of Industry and Information Technology issued the 375th batch of new car filing catalogue.

On September 13th, the website of the Ministry of Industry and Information Technology recently published the catalogue of Announcement of Road Motor Vehicle Manufacturers and Products (the 375th batch), and another batch of hot new energy vehicles were listed. These include, but are not limited to, Aeon SMAX, Nezha X, EX30, FR, Tucki X9, pure electric supercar Lotus EMEYA, pure electric off-road equation Leopard Leopard 5, GAC Aeon Hyper HT, new Tesla+,and Wenjie M9. (First Electric)

fourIn August, the domestic retail penetration rate of new energy vehicles broke 60% for domestic brands.

Cui Dongshu official WeChat official account reported that in August this year, the retail sales of new energy vehicles reached 716,000 vehicles, up 35% year-on-year and 12% quarter-on-quarter. In August, the domestic retail penetration rate of new energy vehicles was 37.3%, which was 8.9 percentage points higher than the penetration rate of 28.4% in the same period last year, among which the penetration rate of new energy vehicles in domestic independent brands was 60.2%. (First Electric)

fiveThe progress of the A round financing plan exceeded expectations.

Smart and Tianqi Lithium Industry formally signed the Share Subscription Agreement in Chengdu. According to the agreement, as the leading investor in this round of financing, Tianqi Lithium will invest 150 million US dollars in smart. The cooperation between the two parties is not limited to the financial investment level. Earlier, smart announced that it planned to raise $250-300 million in Series A financing from the capital market. The financing plan is progressing efficiently, with progress exceeding expectations. (First Electric)

sixWill invest 600 million pounds to produce electric MINI in Britain.

According to the BBC, BMW will invest a lot of money to produce electric MINI in Britain. BMW will spend 600 million pounds on its Oxford (Oxford　)And swinton (Swindon)The factory was renovated so that it could be used in Bouleti (Blighty)Production of three-door MINI Cooper and compact crossover MINI Aceman. BMW will redeploy the production of these two new all-electric mini models in 2026, which will be produced in Britain instead of China. BMW also plans to fully electrify Oxford from 2030. At present, 1,000 cars can be produced here every day. Once the renovation is completed, BMW is expected to maximize its production capacity and produce 200,000 cars a year (up from 188,000 last year). (First Electric)

7. The Ministry of Industry and Information Technology deploys future scientific and technological innovation.

The Ministry of Industry and Information Technology issued a notice to organize the unveiling of the future industrial innovation tasks in 2023. The contents of the unveiling tasks are oriented to four key directions: meta-universe, humanoid robot, brain-computer interface and general artificial intelligence, focusing on innovative tasks such as core foundation, key products, public support and demonstration application. The Ministry of Industry and Information Technology also said that it will continue to implement the industrial Internet innovation and development project and accelerate the integration of superior technologies such as 5G with the core links of industrial production. (xinhuanet)

eightHuawei and Xiaomi reached a global patent cross-licensing agreement.

On September 13th, today, Huawei and Xiaomi announced that they have reached a global patent cross-licensing agreement, which covers communication technologies including 5G. Fan Zhiyong, director of Huawei’s intellectual property department, said: "Huawei is very happy to reach a license with Xiaomi Company. Xu Ran, general manager of the strategic cooperation department of Xiaomi Group, said: "This fully reflects the mutual recognition and respect for each other’s intellectual property rights. (Sina Technology)

nine, BMW and the establishment of V2G joint venture company.

According to the news released by Honda official website, on September 12th, BMW Group, Ford Motor Company and Honda Motor America Company announced that they had reached an agreement to form a tripartite joint venture, ChargeScape, in order to provide a common information platform to connect a number of automobile manufacturers and power companies in the United States and Canada. Through the application of vehicle to power grid (V2G), electric vehicle customers will eventually have the opportunity to share the energy stored in their electric vehicle batteries with the power grid during peak demand periods. (First Electric)

10、Arm　Thursday’s listing was priced at $51 per share.

ARM, a high-profile chip design company, finally set the IPO price at $51 per share, which is the top of the pricing range, and issued a total of 95.5 million ADSs. ARM will be listed and traded on Nasdaq on Thursday. (First Electric)

11. On September 14th, Togo Car Maintenance started offering shares.

The company will start offering shares on September 14th. This time, it plans to sell 40,617,100 shares worldwide, with a maximum price of HK$ 31 per share. It is expected to be listed on the Stock Exchange on September 26th (Tuesday) with the stock code of 9690.HK. (First Electric)

12、Call artificial intelligence a double-edged sword

On Wednesday, local time, more than 20 American technology and civil society leaders attended the closed-door summit of the Senate, focusing on artificial intelligence. Elon musk called for a "regulatory structure" for artificial intelligence, after he warned US senators that this emerging technology posed a risk to civilization. (Global Market Broadcast)

13, "The Biography of elon musk" is released simultaneously around the world.

On September 12th, elon musk’s new biography was listed in China market. This book was written by American writer walter isaacson, and Musk himself was deeply involved in it. It is worth mentioning that the author walter isaacson also wrote The Biography of Steve Jobs. The biographer commented on Musk: "Heroes are mostly weirdos, because they shoulder the mission of saving the world, and they all like to wear underwear (Superman)-but at least they are saving the world." (China Economic News Network)

14The new M7 orders in the world exceeded 15,000 units.

nineOn March 13th, the official announced that the order volume of the new M7 in the world exceeded 15,000 units, which was less than 24 hours before the new M7 went on the market. At the press conference on the 12th, Yu Chengdong said: "AITO asked the world about the new M7 five-seat version as a brand-new model, with an overall upgrade investment of more than 500 million yuan. The new car is equipped with Huawei HarmonyOS Intelligent Cockpit 3.0 and Huawei Advanced Intelligent Driving 2.0."(First Electric)

15FAW Toyota’s new Asian lion intelligent electric hybrid twin-engine advanced listing

On September 13th, FAW Toyota TNGA leapfrog sedan "New Asian Lion Intelligent Electric Hybrid Twin Engine" was officially launched and listed. The new car includes three levels: elite version, Zunyue version and flagship version, and the price is 159,800-179,800 yuan. The new Asian lion is equipped with the fifth-generation intelligent electric hybrid dual-engine system, which is smaller and lighter, and the output power of a single group is 8% higher than that of the previous generation. (First Electric)

16The polar fox koala will be listed on September 20th.

The pure electric compact polar fox koala launched by polar fox for the maternal and infant market will be put on sale on September 20. Previously, the official pre-sale interval was 133,800-171,800 yuan. The new car is equipped with a driving motor with a maximum power of 120kW, matching the Ferrous lithium phosphate group with a capacity of 58.8kWh, and the battery life of CLTC can reach 500km. Koala teamed up with "Good Boy" to build the world’s first fully electronically controlled and fully electric children’s seat, with the design standard increased by 60% and the structural strength increased by 156%. At the same time, the koala also pioneered an extended side air curtain for children’s head safety, with a volume increase of 12%, giving children more effective protection in the event of a side collision. (First Electric)

17The first batch of production cars of Extreme Yue 01 will be rolled off the assembly line on September 19th.

The first batch of production cars of Extreme Yue 01 will be rolled off the assembly line on September 19th. The new car is positioned as a medium and large SUV, based on the vast architecture of SEA, and will be listed and delivered during the year. Extreme Yue is a brand-new brand jointly built with Baidu, which is officially defined as "strategic cooperation project of automobile robots", and extreme Yue 01 is its first model. (First Electric)

18The first batch of MG Cyberster Ningde rolled off the assembly line.

On September 12th, the first batch of MG Cyberster was officially launched from Ningde base of SAIC passenger car. The transport fleet carrying 23 open-top electric running MG Cyberster to the United States is ready to go at Ningde base, and MG Cyberster with various car colors is on display. As the first convertible electric race in China, it has already made its dynamic debut at the Goodwood Speed Festival in the UK.

19, Geely RuilansevenWill be available on September 21st.

Ruilan 7 will be listed on September 21st. The new car has been pre-sold before, and the pre-sale range is 133,700-163,700 yuan. The new car locates the coupe SUV. Ruilan 7 adopts a rear-mounted rear-drive layout, with a maximum motor power of 180kW and a peak torque of 385nm. It has two endurance versions, 450km and 605km, respectively, and also supports fast charging and battery replacement. Ruilan 7 uses Geely’s self-developed Longying No.1 cockpit computing platform, which is equipped with a 7nm cockpit chip.

20The new KONA pure electric version is about RMB 255,000.

The new Hyundai KONA pure electric version was launched at the 2023 new york Auto Show, and it is planned to officially land in the North American market in the autumn of 2023. It is reported that the North American version will be produced in Ulsan factory in South Korea, and the European version will be produced in Nosovice factory in Czech Republic. The new car is equipped with a single motor, the maximum power is 135 HP and 204 HP respectively, and the peak torque is 255 Nm. At the same time, 48.4 and 64.8kWh battery options are available, with cruising range of 317 km and 418 km respectively. Support 400V fast charge, and it takes only 43 minutes to charge 10% to 80%. In addition, i-Pedal single pedal driving mode and V2L external discharge function are also provided. The price of the new car in the North American market will start at less than $35,000, or about RMB255,000. (First Electric)

21Hyundai IONIQ 5 N will be listed in China next year.

Hyundai IONIQ 5 N will be listed in China next year. As the opening work of the blueprint for high-performance electrification of modern automobile N brand, the new car is built on the platform of pure electric vehicle E-GMP. The 5 N dual-motor power system has a maximum output power of 609PS and a maximum torque of 740 n m. When the N Grin Boost(N function of IONIQ 5 N is turned on, the horsepower of the vehicle can be instantly increased from 609PS to 650 PS, and it can be maintained for 10 seconds, during which the motor speed can reach 21,000 rpm. (First Electric)

22. Horizon Journey 5 shipments exceeded 200,000 pieces.

On September 13th, Horizon disclosed the latest business report card to the outside world, claiming that its only high-grade, high-computing intelligent driving chip in China has been mass-produced. Since the world first mass-produced in September last year, its shipments have been in full swing, with a rapid growth of more than 200,000 pieces and an average monthly shipment of more than 20,000 pieces, helping a number of mid-to-high-end new energy vehicles win the sales champion in the market segment. At the same time, the shipment of Journey chips has increased to nearly 4 million pieces, and the mass production scale is still the absolute leading position in China; The number of cooperative car companies has increased from 20+ to 25+, which has become the choice of more mainstream car companies at home and abroad. (First Electric)

23Zhu Jiangming: 70% of the driving parts of the whole vehicle are self-developed.

On September 13, the founder, chairman and CEO of Zero Run Automobile said that the company insisted on the global self-research of core components, and 70% of the driving parts of the vehicle products were developed by itself. Since its inception in 2015, Zero Run has insisted on global self-research of the core components of smart electric vehicles. The core components in a car include the structure of the whole vehicle, electronic and electrical architecture, battery, electric drive, intelligent cockpit and intelligent driving. Zero Run has all adopted its own research and development and manufacturing strategies. The company hopes to create the ultimate cost performance through its own research and development and manufacturing. (First Electric)

24, Skyworth Auto released the "Skyworth Lingguang" optical storage overcharge solution.

On September 12th, Skyworth Auto 2023 Autumn Technology Ecology Conference with the theme of "Let charging be faster than refueling" was successfully held in Xuzhou. Skyworth Auto released its self-developed Skyworth Lingguang SKYLIGHTNING optical storage overcharge solution, which consists of six parts: overcharge vehicle, photovoltaic, energy storage, overcharge station, data service platform and mobile overcharge station. (First Electric)

25The first L4 expressway in China will be built soon.

On September 11th, the "Suzhou Release" news reported that the first holographic sensing intelligent expressway in China that meets the level of vehicle-road cooperative automatic driving has completed more than 80% of the total works, and will soon be completed and opened to traffic, which can meet the level of L4 automatic driving. The project covers S17 (Huangdai Interchange-Yangcheng Lake North Interchange) of Sutai Expressway, and it is expected to complete the joint debugging and trial of the system by the end of September. (First Electric)

26, Midland New Materials Subsidiary signed a cooperation framework agreement on sodium ion battery R&D project.

Midland New Materials reached a strategic cooperation consensus with Hunan Cube New Energy and Liaoning Xingkong Sodium Power on in-depth cooperation in the field of sodium ion battery technology research and development, and signed the Project Cooperation Framework Agreement on September 12. All parties intend to carry out in-depth cooperation on sodium ion battery materials and batteries, and strive to launch competitive sodium ion battery products. (Cloud Finance)

27. Chuanweilai and Honeycomb jointly develop large cylindrical batteries.

Many people in the industrial chain revealed that they are preparing to set up a joint venture with Honeycomb Energy, a power battery company, to jointly develop large cylindrical batteries, and the subsequent mass production node may be in 2025. (First Electric)

28, electric vehicle conduction charging connection device national standard release.

The national standard series of conductive charging connection devices for electric vehicles was officially released. The new standard increases the maximum charging current from 250 Amps to 800 Amps and the charging power to 800 kW, increases relevant technical requirements such as active cooling and temperature monitoring, and optimizes and improves test methods such as mechanical properties. (First Electric)

29China’s hydrogen energy industry chain has taken shape.

According to the data of China Association of Automobile Manufacturers, from January to August this year, the production and sales volume of automobiles nationwide were 3,000, up by 29.1% and 51.3% respectively. Insiders pointed out that China’s hydrogen energy industry chain has begun to take shape. In the future, the transportation field represented by fuel cell vehicles is expected to be the first to achieve large-scale promotion, thus driving the development of the entire industrial chain. It is estimated that by 2025, the market scale of the hydrogen energy industry will exceed 1 trillion yuan, building new competitiveness and lasting power for high-quality economic development. (First Electric)

30. The model of Tongyi Qianwen was officially opened to the public.

Alibaba Cloud announced that the model of Tongyi Thousand Questions has been put on record for the first time and officially opened to the public. Baidu launched the ERNIE Bot plug-in ecological platform "Spiritual Matrix", which opened invitations to developers and provided incentives such as 10 billion flows and 100 million yuan funds. (First Electric)

31New energy auto insurance premiums soared.

The number of new energy vehicles underwritten by PICC P&C Insurance reached 2.824 million, up 54.4% year-on-year. The premium income was 12.63 billion yuan, a year-on-year increase of 54.7%. The proportion of new energy vehicle premiums to total auto insurance premiums is 9.4%. At the same time, the premium of new energy vehicles has accounted for 28.3% of the total new car premium. Recently, many insurance companies, including property insurance giants, said that the growth rate of new energy auto insurance premiums exceeded expectations, and they will adopt a cautious underwriting strategy, and even actively limit the underwriting scale in some areas. This reflects that new energy auto insurance has a good development prospect, but it also has the problem of high payout ratio. Insurance industry, automobile manufacturing and maintenance industry and other related entities need to constantly run in the competition and cooperation, and continuously reduce the payout ratio of new energy auto insurance to promote sustainable development. (Securities Daily)

Pang Guanchen said: The wind resistance is the biggest when taking off. Come on and power up!

1905 movie network news An animated film jointly created by Oriental DreamWorks and American DreamWorks Animation, dubbed by Chloe Bennet and others in English, and dubbed by Zifeng Zhang, Chen Feiyu, Wan Qian, Cai Ming and others in Chinese, will be released nationwide on October 1st. On September 28th, the film opened a four-hour limited-time screening nationwide, which made the enthusiastic audience start their magic adventure with Super online celebrity Heavy Hair in advance. After the screening, big friends and children responded enthusiastically and said, "Abominable is more affectionate with mountains and water, which vividly depicts the implicit feelings of China people. With grandma’s worries and nagging, and good friends to overcome difficulties together, the plot is fascinating and the picture processing is also very good. It is a good movie for Xian Yi, young and old! " The five highlights in the film are definitely worth buying a ticket and brushing after the release. The preview of "Unique Skills of Xiaoyi" released today shows a brave and kind girl image of China to the audience who are still in the future and have seen the film, and leads you to enter this home trip to Mount Everest together.

Aspect 1: The super online celebrity Damao Eleven family who is cured by warm heart is the first choice for watching movies.

Xiaoyi, an adolescent girl, wanted to communicate with her mother, but she didn’t know how to communicate until she met Daimao, a snowman, on the roof. She was gradually moved by Daimao’s company on her journey back to Mount Everest and opened her heart, so the trip away from home became a trip home.

Director and screenwriter jill culton said, "The story of Abominable is like a jigsaw puzzle, and this important journey in life has become the only way to grow up, bringing different gains to everyone.". Therefore, Xiaoyi, Ajun and pengpeng went through all kinds of hardships to help Snowman Damao find his way home, and Damao also helped the three friends to arouse their inner courage and find their home. Every audience can be cured by the feelings in the movie, and parents can feel warm after watching it. As the only 3D film in the 11th file, Abominable has exquisite picture quality, and can travel all over Great America and China without leaving home, making it the first choice for family holidays.

Aspect 2: The Chinese and English super dubbing lineup is worth having.

The dubbing lineup of "Abominable" is very bright. The English version of Xiaoyi’s dubbing is Chloe Bennet, the actor of Daisy, a beautiful American agent in "Aegis Secret Service". It is an original American joke and is very suitable for young audiences and friends to watch together.

The Chinese version of the dubbing lineup is even stronger. Xiaoyi is voiced by "national sister" Zifeng Zhang, while her friend A Jun is voiced by Chen Feiyu, a young actor who is just popular, and famous actors Wan Qian and Cai Ming voice Dr. Zara and Grandma Xiaoyi in the film. Chinese consultant director and famous screenwriter Shu Huan once said: "The Chinese lines of" Abominable "will be localized and improved according to the actual situation in China, so as to conform to the movie-watching habits of Chinese people and make the jokes more grounded and more acceptable to the audience."

Aspect 3: Create exclusive technology with your heart. Super cute snowman is lovable.

The snowman in the film, Da Mao, is a mysterious creature from Mount Everest. His hairy body and big black eyes are super cute, and people can’t help but want to hug him. Moreover, Snowman Heavy Hair has a unique setting: it has the ability to control nature and has a strong musical talent. This is also the reason why heavy hair can still make Xiaoyi open her heart without talking.

In order to show the fluffy and smart effect on the big screen, the behind-the-scenes animation team adopted a brand-new hair coloring model and patented technology to ensure that each strand of hair is fluffy, supple and vital. Among them, the most challenging scene is that the snowman Da Mao is in the vast snow-capped mountains and riding the koi fish Cloud, which clearly reflects the white snowman on a white background, which is tantamount to depicting the "polar bear in a snowstorm". But the behind-the-scenes team finally found an effective way to use shadows, and highlighted the snowman’s big hair in the picture through the contrast between light and shadows.

Aspect 4: the top team’s hard work shows its strength in details.

The production team created the most beautiful animation again, and the beautiful scenery of China spanning 3,000 kilometers in the film is definitely a highlight in the film. In this magical adventure from eastern China to Mount Everest, the "adventure team" and Da Mao passed through the neon-lit city and the sparkling Qiandao Lake; Fly over Huangshan by gathering giant Gongying, surf in the undulating rape fields, roam the sky on the koi fish cloud created by magic, and play the violin in Leshan Giant Buddha to trigger magic to make flowers bloom all over the mountain. ……

In order to put these imaginative scenes — — Especially in the urban scene, the running and moving scenes are presented with the most beautiful and detailed pictures. The production team did what students have done for centuries: they made a field trip. "When we were doing lighting in the early days, we went to the Neon Art Museum in Glendale, California to learn how signs changed under the light. And we have done a lot of research on the building structure and logo, which can add credibility to the picture. " This careful production has created an amazing and exquisite picture in Abominable.

Aspect 5: China produced the highest-scoring animated film in the National Day file released globally.

The latest original IP of Oriental DreamWorks, in which there are not only fantastic trips to America and China, but also Chinese elements such as eating steamed buns and pasting blessings, let you feel the most authentic scenery and culture of China without leaving home, and let Chinese people all over the world feel at home while giving China Amway to the whole world.

In response to the audience’s expectations14: 00 on September 28th & mdash; At 18:00, the film opened a limited time and unlimited advance screening nationwide. The movie-watching scene received enthusiastic response. Abominable has now become the highest-rated animated film in this year’s National Day. The whole film is full of laughter and laughter, but at the end, you can hear a gentle sob. The audience said: "Laughter and tears are a movie of Xian Yi, young and old" and "Abominable" are the warmth, friendship, affection, and picturesque scenery that attracts everyone’s attention, just like a warp. I recommend that you bring your children to the cinema to watch movies, absolutely glad you came. " The children watching the movie on the spot are even more "crazy" for the lovely snowman, and even want to take Heavy Hair home. Snowman Heavy Hair is definitely the "Super online celebrity" in the Eleventh Holiday this year!

Abominable was directed and written by Jill Culton and co-directed by Todd Wilderman. Tim Johnson is the executive producer, Suzanne Birchi and Peilin Chou are the producers, and the film will be released nationwide on October 1st.

Today (13th), the State Council released the Implementation Plan for Special Remediation of Internet Financial Risks. Comprehensive arrangements were made for the special rectification of Internet financial risks. This move means that the official "sword" refers to the internet financial risks, sets a "military order" and sets a "timetable".

The plan calls for the completion of the special rectification of Internet financial risks by the end of March next year, and the key rectification areas include:

P2P peer-to-peer lending and Equity Crowdfunding Business

Asset management and cross-border financial business through the Internet.

Third-party payment service

Advertising in the field of internet finance

The goal is to form an overall report on Internet finance rectification in China, and establish and improve a long-term mechanism for Internet finance supervision.

In addition, the following five documents were released today:

The People’s Bank of China and other 17 ministries and commissions "Implementation Plan for Asset Management through the Internet and Special Remediation of Cross-border Financial Business Risks";

The People’s Bank of China and other 14 ministries and commissions "Implementation Plan for Special Remediation of Risks of Non-bank Payment Institutions";

CBRC’s Implementation Plan for P2P peer-to-peer lending Risk Special Remediation Work.

China Insurance Regulatory Commission and other 15 ministries and commissions "Implementation Plan for Special Remediation of Internet Insurance Risks".

The CSRC and other 15 ministries and commissions "Implementation Plan for Special Remediation of Equity Crowdfunding Risks"

Specifically:

For P2P platform: no fund pool can be set up.

The "Program" stipulates that:

P2P peer-to-peer lending Platform should keep the legal bottom line and policy red line, implement the nature of information intermediary, and shall not set up a fund pool, issue loans or illegally raise funds.

Interpretation:

Wang Yahong, an expert on financial issues:In recent years, after the incidents such as Easy Rent Bao and Pan Asia Institute, Internet finance has not had time to develop and show its inclusive side, and it has prematurely assumed a disgraceful reputation. Strict supervision of P2P industry is conducive to the healthy and orderly development of Internet finance, and it is necessary and timely to carry out special rectification.

For the equity crowdfunding business: no false targets shall be published, and no self-financing shall be allowed.

The State Council’s "Program" stipulates that:

The equity crowdfunding platform shall not publish false targets, raise funds by itself, or raise funds in disguised form. It shall strengthen the information disclosure obligations and shareholders’ rights protection requirements for financiers and equity crowdfunding platforms, and shall not make false statements and misleading propaganda.

Interpretation:

After the publication of the Administrative Measures for Private Equity Crowdfunding (Trial) (Draft for Comment) in December 2014, there was no formal policy for equity crowdfunding since then, and the supervision was backward. This time, the State Council’s notice may have pointed out the key supervision direction in the future.

For real estate finance: it is forbidden to make down payment and standardize crowdfunding to buy a house.

The "Program" stipulates that:

Real estate development enterprises, real estate intermediaries and internet finance institutions shall not engage in real estate finance business by using P2P peer-to-peer lending platform and equity crowdfunding platform without obtaining relevant financial qualifications; Standardize internet "crowdfunding to buy a house" and other behaviors, and prohibit all kinds of institutions from carrying out "down payment" business.

Interpretation:

Under the background of tightening regulation of the property market, it is strictly forbidden to leverage the property market through black-box operations such as crowdfunding to buy a house and down payment.

For Internet companies to engage in cross-border financial business: they should obtain qualifications.

The "Program" stipulates that:

Internet enterprises shall not rely on the Internet to carry out corresponding business without obtaining relevant financial business qualifications, and the essence of conducting business shall conform to the obtained business qualifications.

Without the approval of the relevant departments, many kinds of financial products issued by private placement may not be sold to the public through packaging or splitting.

Interpretation:

Seventeen ministries and commissions, including the central bank, issued the "Implementation Plan for Special Remediation of Asset Management and Cross-border Financial Business Risks through the Internet", proposing that the key points of remediation include: all kinds of Internet enterprises with asset management-related business qualifications but irregular business; All kinds of internet enterprises that carry out financial services such as asset management across borders; Internet enterprises with a number of financial business qualifications and obvious comprehensive operating characteristics.

For third-party payment services: no unlicensed operation is allowed.

In answering a reporter’s question, the leading group for special rectification of Internet financial risks pointed out:

The rectification in the field of third-party payment focuses on the risk of non-bank payment institutions’ reserve funds, inter-agency clearing business, and unlicensed payment business. The third-party payment field has implemented business licenses, and special rectification work will be carried out for institutions that operate payment business without licenses.

Interpretation:

Zhao Wei, Deputy Secretary General of Financial Innovation and Internet Finance Legal Research Center of China University of Political Science and Law:

In recent years, the third-party payment industry has developed rapidly. Non-bank payment institutions have played a positive role in promoting the innovation of payment services and improving and upgrading the level of payment services. However, some problems have also been exposed in its rapid development, especially some payment institutions and even commercial banks have opened payment channels to institutions and personnel engaged in payment business without permission, providing payment convenience, which has caused many cases of infringing on customers’ rights and disrupting financial order.

From the characteristics of the risk events and cases that have occurred, the payment business without a license mainly involves: First, the core business of acquiring bank cards without a license, such as "second clearing". The second is to operate online payment services without a license, such as "big merchant settlement" and electronic wallets that open payment accounts. The third is the issuance and acceptance of multi-purpose prepaid cards without a license.

From the perspective of social harm, the harm of unlicensed payment business is becoming more and more serious. The first is to endanger the safety of customers’ funds and seriously infringe on consumers’ rights and interests. Secondly, it endangers the security of payment information and encourages criminal behavior. Finally, it endangers the market operation order and has no bottom line competition. It has seriously disrupted the market operation order and endangered the safe and steady operation of the payment service market.

Therefore, the just released "Implementation Plan for Special Remediation of Risks of Non-bank Payment Institutions" has made it clear that the rectification of unlicensed payment business should be included in the special rectification of risks of non-bank payment institutions, and all relevant cooperative departments should clarify their responsibilities and determine the time plan, so as to complete centralized cleaning and disposal before the end of November 2016. The "Proposal" also emphasizes the need to promote the establishment of a working mechanism for the normalization and rectification of unlicensed payment services. Only by increasing punishment and forming a long-term system and long-term measures can we completely eliminate the "black sheep" and maintain the healthy development of the payment service market.

Cctv review

Special rectification is an important step to gradually improve the Internet financial supervision system. Internet finance is a new thing, and the deep integration of Internet and finance is also the general trend, which will have a more profound impact on financial products, business scope, organizational structure and service forms. However, the old financial supervision mechanism has lagged behind the development of internet finance in many aspects, so there are many loopholes in practice. On the other hand, the complex structure of Internet finance projects also increases the difficulty of supervision in reality.

The special rectification work is to check and fill the gaps in a targeted manner, further clarify the risk bottom line of Internet finance, protect legal operations, and resolutely crack down on illegal and illegal activities. This means that we can take an important step in gradually improving the supervision of financial Internet financiers, and on this basis, we can further standardize the development of Internet finance, maintain market stability, and effectively protect the interests of market participants.

As a new thing, the development of Internet finance needs not only market-driven, but also technological innovation and policy-standardized development. These are the three pillars supporting the development of Internet finance. Only when the pillars are more stable can Internet finance develop more rapidly in the future and have the opportunity to fully demonstrate its unique charm of innovation and inclusiveness.

Wen Wen Zhao, Deputy Secretary-General of Financial Innovation and Internet Finance Legal Research Center of China University of Political Science and Law

Wang Yahong, an expert on financial issues

Producer/Editor-in-Chief Tang Yi/Li Zhe

Editor/Ji Zhiwen

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