How to plan the preparation for insurance research? What do you need to prepare for the research?

How to prepare for the postgraduate entrance examination

Many college students will face a choice after graduation, whether to get a job or continue their studies. For those students who are interested in further improving their academic level, postgraduate entrance examination has become their first choice. However, it is not an easy task to take the postgraduate entrance examination, which requires full preparation and planning. The following will introduce some suggestions on how to prepare for the postgraduate entrance examination.

1. Understand the relevant information of postgraduate entrance examination.

First of all, students who want to take the postgraduate entrance examination need to take the initiative to understand the relevant information of the postgraduate entrance examination. This includes the conditions, process, subjects, time and scope of postgraduate entrance examination. Only by knowing this information clearly can we make targeted preparations. Students can check the information of postgraduate entrance examination through the internet, or consult seniors and sisters of related majors or go to postgraduate institutions for consultation.

2. Determine the major and target institution.

Secondly, students need to determine the majors and target institutions they want to take the postgraduate entrance examination. There are many majors that can be selected for postgraduate entrance examination, and they don’t have to be related to this major. For students who don’t like this major, they can choose to take an interdisciplinary examination, such as illegally studying for a master’s degree in law. Each major has a corresponding target institution, and students need to determine the major and target institution according to their actual situation and interests.

3. Make a reasonable study plan

Once the majors and target institutions for postgraduate entrance examination are determined, students need to make reasonable study plans. The review time for postgraduate entrance examination is usually about one year, and students need to arrange their daily study time according to their actual situation. A reasonable study plan can help students arrange their time reasonably and improve their study efficiency. When making a study plan, students need to consider their learning ability and time allocation, and arrange their daily study tasks reasonably.

4. Do more real questions and mock exams

When preparing for the postgraduate entrance examination, students need to do more real questions and mock exams. By doing real questions and mock exams, you can understand the exam form and content of the postgraduate entrance examination, and you can test your own learning results. Students can obtain real questions and simulated test papers by purchasing postgraduate counseling books or attending postgraduate training classes.

5. Pay attention to the mastery of basic knowledge

In the process of preparing for the postgraduate entrance examination, students need to pay attention to mastering the basic knowledge. The subjects of postgraduate entrance examination usually include specialized courses and public courses, and specialized courses are often the most important. Students need to focus on the study of specialized courses and master the basic knowledge. Only by mastering the basic knowledge can we better cope with the exam.

6. Attend more lectures and academic activities.

In order to improve their academic level, students can take part in more lectures and academic activities. This can increase your academic knowledge and understand the latest research trends. At the same time, attending lectures and academic activities can also communicate with other students, learn from each other and improve their academic ability.

7. Perseverance, perseverance

Finally, students need to persevere and persevere. Postgraduate entrance examination is a long-term and arduous task, which requires a lot of time and energy. Students should keep a positive attitude, keep working hard and believe that they will be able to achieve good results.

In a word, if you want to take the postgraduate entrance examination, you need to make full preparation and planning. Students need to know the relevant information of postgraduate entrance examination, determine the majors and target institutions, make reasonable study plans, do more real questions and mock exams, pay attention to mastering basic knowledge, participate in more lectures and academic activities, and persevere and persevere. Only in this way can we successfully pass the postgraduate entrance examination, enter the ideal colleges and realize our life goals.

From the killing of bin Laden to the evacuation of Afghanistan, why is the US government still secretive about these mysteries?

  Ten years ago, on the evening of May 1, 2011, then US President Barack Obama officially announced that bin Laden had been killed by the US military. That night, the whole nation was boiling. American public opinion believes that since the moment a Boeing 767 plane hit the North Tower of the World Trade Center in New York at 8: 46 am on September 11th, 2001, Americans have made a great progress in the war on terrorism that lasted for nearly 10 years.

  △ On the evening of May 1, 2011, then US President Barack Obama announced at the White House that Al Qaeda leader Osama bin Laden had been killed by the US military.

  Ten years have passed since bin Laden was killed, and various versions of the account of bin Laden’s death have appeared. From the non-fiction works of the New Yorker in paper media to Hunting Bin Laden in Hollywood, the official heroic narrative of the United States is all evident. However, with the advancement of investigation and textual research by all parties, it seems that the death of bin Laden is not as stated in the official discourse of the US government. The New York Times mentioned it together with the "Bay of Pigs Incident" and "Iraqi Weapons of Mass Destruction" and became a secret kept secret by the US government. ……

  July 7, 2005 London "July 7" bombing.

  Compared with the official narrative of the United States, Hollywood seems to prefer to link the death of bin Laden with international counter-terrorism. The London bombing on July 7, 2005 has also become a symbol of Al Qaeda’s infiltration into Europe and its terrorist activities in Europe.

  △ On July 7, 2005, a terrorist bomb attack occurred in London, England. In the morning, three subways and a bus in London were detonated by bombs carried by terrorists.

  On July 7, 2005, around 8:49 am, it was the morning rush hour in London. On this Tuesday morning, as usual, Jeff Porter was running an early train in London’s subway cab painted with iconic red and blue paint.

  "When I was drawing in at Edgewell Road Station," Jeff Porter said, "there was a train coming from the opposite direction. Just as the other side met my front, I saw a dazzling yellow light from the other end of the oncoming train."

  Then, the cab glass in front of Jeff broke, and dust and smoke scattered. Only then did Jeff realize that the train had exploded.

  △ On July 7, 2005, Al Qaeda carried out terrorist bomb attacks on several traffic lines in London.

  On the ground that day, there was an explosion against the bus at the same time. At almost the same time, four terrorists detonated bombs in four different bus facilities in London. According to the statistics of British police, the explosion killed 52 people and injured more than 700 people.

  △ Video of Al-Qaida Statement released by Al Jazeera in September 2005

  Two months after the terrorist attack in London on July 7, Al Jazeera broadcast a video, which confirmed the identities of the four terrorists — — A member of Al Qaeda. This video has been reviewed by the British police and intelligence agencies, and the identity and criminal process of the four terrorists have been clarified. In the tape, a terrorist declaration that mentioned "bin Laden" also touched the hearts of Americans on the other side of the Atlantic.

  In June 2009, the "old plan" of the new president in Washington

  Since the "9.11 terrorist attacks", then-US President George W. Bush has promoted anti-terrorism as his ruling focus. In addition to waging wars in Afghanistan and Iraq, intelligence organizations in the United States, Britain, Israel and other countries have further strengthened information sharing in international counter-terrorism intelligence because of "9.11".

  △ "The Record of Killing Bin Laden" published by The New Yorker on August 1, 2011 — — The Night in Abbottabad describes the details of the US military’s action to kill bin Laden, but many of the details are quite different from the arguments of all parties.

  Time came in June 2009, and four months after Obama took office as president, Leon Panetta, then director of the CIA, introduced to Obama the action plan to track down the leader of Al Qaeda since George W. Bush took office. According to The New Yorker’s Record of Killing Bin Laden — — A Night in Abbottabad, Leon Panetta knew at that time that the new president would definitely support his plan.

  △ In October 2008, US presidential candidates barack obama and John Romney held a presidential campaign debate at Belmont University in Nashville.

  Because one month before the 2008 US presidential election, when Obama, then a senator from Illinois, was debating with John McCain, also a presidential candidate, at Belmont University in Nashville, he answered the question about whether to hunt down bin Laden:

  "If we see bin Laden and the Pakistani government is unable or unwilling to kill him, then we must take action. We will kill bin Laden and smash ‘ Base ’ Organization. "

  Sure enough, as a supplement to Leon Panetta’s plan to search for bin Laden, Obama stepped up the use of drones for investigation.

  △ According to the statistics of the Bureau of Investigative Journalism, a third-party news investigation agency, from 2010 to 2020, the drone bombing launched by the United States has caused about 8,858 to 16,901 deaths, including about 910 to 220 civilians and about 283 to 454 children.

  In addition to inheriting the search for bin Laden by former President George W. Bush, the Guantanamo prison, which was used to hold terrorists during the Bush era, also played a key role in the future killing of bin Laden.

  Message from Guantanamo prison in August 2010

  Guantanamo prison, located in Guantanamo Bay, Cuba. Before 2002, the prison was basically used to accommodate Cuban and Haitian refugees who tried to sneak into the United States by sea. After the "September 11" incident in 2001, it was changed to a prison for accepting and interrogating terrorists. Restricted by the US Constitution, it is impossible to torture suspects in the United States.

  △ The movie "Hunting Bin Laden" restored the scene in which the CIA waterboarded the detainees.

  At Guantanamo Bay, because the US considers terrorists to be "illegal combatants", they do not enjoy any rights stipulated in the Geneva Convention, and American personnel can interrogate detainees in various ways. Since the opening of Guantanamo prison, various reports about torture by American intelligence personnel have been flowing out.

  △ CIA documents show that the United States has secret interrogation and detention centers in many countries around the world. A secret document of the CIA shows that there is a detention center code-named "Black Field".

  According to the documents from the CIA, in addition to Guantanamo prison, the United States has set up secret interrogation and detention centers in many countries and regions around the world for anti-terrorism operations. One of the secret interrogation bases, known as the "black field", first leaked news about bin Laden’s messenger in 2002.

  △ The Week quoted Jose Rodriguez, the chief operating officer of CIA, as saying that the messenger of bin Laden was a Kuwaiti.

  Abu Ahmed Kuwait — — Bin Laden’s Messenger — — The name that the CIA has been searching for has been confirmed in Guantanamo and the interrogation base set up by the CIA in Pakistan. Until August 2010, Leon Panetta, then director of the CIA, personally confirmed the whereabouts of the messenger in Peshawar, Pakistan.

  In May 2011, the cement compound in Abbottabad

  Through the information obtained in various interrogation bases before, the US intelligence department has strengthened the monitoring of the cell phone signal of bin Laden’s messenger. In August 2010, the CIA tracked a white SUV from Peshawar, Pakistan to Abbottabad, north of the capital Islamabad. In the detailed account, a white rhinoceros is painted on the spare tire cover hanging from the rear of the SUV.

  △ Structural Diagram of Cement Compound in Abbottabad, Pakistan

  According to documents disclosed by the CIA, the SUV stopped outside a compound with a three-story building with a concrete fence and barbed wire about 5.5 meters high. There is no telephone or internet connection in this compound. The observation report of the CIA for several days shows that the residents of this compound don’t even throw garbage, but burn it centrally in the hospital. Through outdoor drying clothes, the CIA judged that there were three households in the building, but only two of them went in and out of the compound every day.

  At the end of October, 2010, then US President Barack Obama, based on the investigation report submitted by then CIA Director Leon Panetta, made him start to cooperate with all parties to design a military action plan for the compound. From the end of October 2010, the action plan was designed and officially implemented on May 1, 2011. In half a year, in order to ensure the smooth operation of killing bin Laden, the US military rebuilt a concrete wall compound for training in the forest of North Carolina. However, the action report disclosed by the United States shows that there was a huge flaw in the initial helicopter carrying the US airborne compound.

  △ Schematic diagram of the American Black Hawk helicopter that nearly crashed when the tail of the helicopter hit the concrete wall during the operation.

  At about 4: 00 am local time on May 1, 2011, the first Black Hawk helicopter that was supposed to hover in the compound and be delivered to the US military by ropes, just arrived at the compound, and the rotor at the tail scraped the concrete wall. In order to prevent the helicopter from rolling over, the pilot inserted the nose straight into the ground and landed in the compound in a near-crash way. After witnessing this situation, the pilot of another helicopter immediately gave up the plan of hovering on the roof and landed outside the courtyard wall.

  △ Satellite image of cement compound in Abbottabad, Pakistan

  The accident that the Black Hawk helicopter fell to the ground disturbed the people around it, making the planned surprise attack meaningless. In the end, according to the report of the US military, this military operation successfully killed bin Laden. The body was wrapped in a white shroud, put into a bag and finally thrown into the sea.

  2015 US Media Survey: Another "Saving Private Lynch"

  As for the actions of the US military in the building, the US side has various versions. One of the most dramatic is that the US military said that bin Laden pushed his wife in front of him as a human shield. Another version is that after discovering bin Laden, the US military was resisted by bin Laden, and finally bin Laden was killed in the crossfire.

  △ The New York Times published an investigation and analysis report on the mystery of bin Laden’s death in October 2015, "Do we really know the death of bin Laden? 》

  However, after these news quickly spread around the world, the White House and the military corrected their statements one after another. On the evening of May 2, 2011, Jay Carney, the then White House spokesman, made an erratum to the details of the previous action of hunting bin Laden. First, he said that he did not carry weapons when he died, and then clarified that he did not use his wife as a human shield. The White House said that the difference from the details released the day before was due to "too much information and too hasty preparation".

  In the analysis and investigation conducted by The New York Times and the London Review of Books in 2015, there were discrepancies in the details of bin Laden’s death, from the very beginning when various sources obtained the information of the so-called "bin Laden Messenger" to the final burial of bin Laden’s body at sea.

  △ On May 21, 2015, the London Review of Books published a survey of bin Laden’s death by Seymour M. Hersh, a well-known investigative journalist, and pointed out that there were a lot of flaws in the explanation of relevant events by the US government.

  The United States carried out a massive military operation in the form of almost crashing a helicopter. The news disclosed by the media showed that bin Laden had a fierce resistance, but the official information was inconsistent, and it was difficult to confirm what actions bin Laden took in the final stage. It was obvious that there was a chance to capture bin Laden alive, but the US military directly killed him. The White House and the military’s contradictory statements on the details of the operation and the final handling of bin Laden’s body at sea ….. all these make the death of bin Laden foggy.

  △ According to The New York Times’s report on May 4th, 2011, Obama’s personal support rate rose from 46% last month to 57% after then US President Barack Obama announced the successful killing of bin Laden.

  But no matter which version, the American troops in the story are portrayed as a group of dead men who have gone and never returned. Such narrative methods and routines make people familiar with the history of American journalism inevitably not think of Lynch, the "heroine" deliberately created by the American government during the Iraq war.

  △ jessica lynch, an American female soldier, was ambushed and captured while serving in Iraq in March 2003. The American government deliberately portrayed Lynch’s story as a "fighting hero who refused to surrender". After investigation by many American media, it was found that all the stories about jessica lynch were untrue stories made up by the US military.

  The 20-year trauma of Afghanistan War in 2021

  On May 1, 2011, then US President Barack Obama announced that it has been 10 years since the United States successfully killed Al Qaeda leader Osama bin Laden. According to a statistic from Brown University, as of mid-April this year, at least 47,245 Afghan civilians have been killed in the war since 2001. The war also killed 66,000 to 69,000 Afghan soldiers.

  △ Washington post reported on April 30, 2021 that former US President Barack Obama explained the significance of the hunt for bin Laden.

  Ten years later, in 2021, Obama, who had left the presidency, appeared again to explain the significance of the action of hunting bin Laden.

  Unlike 10 years ago, Obama no longer needs to face the test of a second term. In the face of his decision to continue the war in Afghanistan and kill bin Laden when he was in power ten years ago, Obama seems to remember those American soldiers who died in Afghanistan. However, the fact is that the war in Afghanistan since 2001 has caused 2,442 American soldiers to be killed, 20,666 injured and more than 3,800 American security contractors killed.

  When the United States continues to face downward economic pressure and domestic public opinion is increasingly opposed to the wars in Afghanistan and Iraq, both former President Trump and current President Biden threatened to let the US troops leave Afghanistan in the 2020 general election. It was not until April 29th this year that the White House confirmed that American troops had begun to leave Afghanistan, and the war in Afghanistan, which lasted from 2001 to the present, came to an end with American troops leaving Afghanistan.

  However, Obama seems to have forgotten that on January 22, 2009, the third day after he took over as president, Guantanamo prison, which had requested to be closed as soon as possible, still holds more than 40 people.

  Producer: Lu Yi

  Producer Zhao Xinyu?

  Editor-in-Chief: Cui Yi

  Editor Jin Lvcheng

Floods and geological disasters in British Columbia, Canada have caused four deaths, and the province has imposed an oil restriction order.

  China News Service, Toronto, November 21st (Reporter Yu Ruidong) According to the data updated on November 20th in British Columbia, Canada, severe floods and geological disasters in the province have caused four deaths, and one missing person has not been found yet.

  The disappearance and death occurred in Lillooet in the Fraser Valley and near Duffy Lake in the inland area of the province. The deceased was a woman and three men.

  The province’s autopsy service said that law enforcement and search and rescue personnel have been trying to search for people reported missing in extreme rainfall and mudslides in the past five days. Relevant departments will do their best to determine the unfortunate situation, record it, and make suggestions if possible to prevent similar deaths from happening again in the future.

  Extreme weather, such as continuous heavy rainfall since the 14th of this month, has caused rare severe floods, landslides, mudslides and other disasters in British Columbia, located at the western end of Canada and along the Pacific coast. About 18,000 people were forced to evacuate due to the flood, nearly 10,000 houses were under evacuation orders or evacuation warnings, and a large number of farm animals died in the flood. British Columbia declared a two-week state of emergency on the 17th.

  In order to ensure disaster relief, British Columbia announced the implementation of temporary fuel restrictions on the 19th. Ordinary people’s vehicles are only allowed to buy 30 liters of fuel at each gas station. This measure is planned to be implemented for about 10 days. This has led to long queues at oil stations in the Greater Vancouver area, and some oil stations have sold out of fuel.

  At the same time, although some of the affected highway sections have gradually resumed traffic, British Columbia still prohibits vehicles that make "non-essential" trips from entering specific sections. The province also reminded people that drinking wells in flood-affected areas may have been polluted.

  The meteorological department has issued an alarm, and it is expected that heavy rain, strong winds and low temperature will sweep across the northern coast of British Columbia and move south in recent days.

  The Canadian federal government has deployed troops to assist British Columbia in flood fighting and disaster relief. The federal government and the province also set up a joint working group on supply chain to promote the full recovery of logistics as soon as possible. (End)

Credit card customers are misled by insurance sales and want to cancel their cards.

  Now when receiving a call from the insurance company, Mr. Zhu has a firm attitude: No consideration! He no longer trusts the bank as before, and even considers canceling the bank’s credit card.

  Recalling that he bought an insurance five years ago, Mr. Zhu still regrets it very much, and this regret will accompany him for five years until the payment expires in 10 years. Since he bought insurance, the insurance company has called him every now and then to promote other insurance products, and he feels overwhelmed.

  He said: "This insurance is in the name of the bank credit card center. I bought it out of trust in the bank, but after carefully studying the contract, I think this insurance is not suitable for me. I want to surrender, but I can only negotiate with the insurance company!"

  Should I add insurance if my credit record is good?

  "When they called me, they first exchanged pleasantries with you and told you that from your credit card consumption record, your credit is very good. Soon, they will tell you that your current insurance coverage is low, and there are more suitable ones for you, so let me continue to add insurance. The 10-year payment period should be recalculated from the date of adding insurance. In this case, I can only resolutely refuse. " Mr. Zhu told reporters.

  "This doesn’t mean that if I accept their advice again, the payment for the first five years will not count, so it won’t be a bottomless pit?" Mr. Zhu was very excited when he talked about it.

  After the mood calmed down a little, Mr. Zhu recalled to the reporter the situation when he bought this insurance.

  At that time, during the Beijing Olympic Games, Mr. Zhu just got off the bus when he returned to Beijing on vacation from other places, and he received a phone call from his credit card issuer recommending him to buy an insurance from a foreign insurance company. "Buying an insurance policy means an extra guarantee, which is a good thing. At the same time, I trust this bank, so I readily accept the products they recommend." Mr. Zhu said.

  However, in fact, Mr. Zhu, then 25, knew so little about insurance that he had never even heard of the name of the company that recommended buying insurance.

  "At that time, people who claimed to be the bank credit card center only briefly introduced the function of this insurance on the phone and told me that if they suffered from serious diseases during the 20-year insurance period, they could get compensation from the insurance company, but they didn’t even tell me how much they could pay at that time." Mr. Zhu told reporters.

  Because Mr. Zhu was outdoors when he received the phone call, he didn’t calm down and think carefully about what major diseases were included. If he felt that it was inappropriate to surrender, he would have any losses, and he agreed to buy insurance.

  Credit card transfer is silent.

  According to Mr. Zhu’s insurance contract, the main insurance he purchased is the endowment assurance of Happy Life (2008 edition), and the monthly insurance premium is 442.80 yuan, and the long-term critical illness insurance (2008 edition) is paid in advance with Happy Life, and the monthly insurance premium is 44.30 yuan. The payment period is 10 years and the insurance period is 20 years.

  "I remember calling me on Friday afternoon, and they sent the insurance policy on Monday morning, only one weekend apart." Mr. Zhu said. At that time, the insurance policy was sent to the unit by express delivery. "When I arrived, the courier asked me to sign it. Without telling me any information, I didn’t think much, so I signed it." Mr. Zhu said.

  These seemingly ordinary things have quietly buried hidden dangers for Mr. Zhu. Because the monthly payment of this insurance product is 487.10 yuan, the amount is not large, and this fee is directly transferred from the credit card, and Mr. Zhu does not have to go to the bank to pay in person. In addition, he has just come back from vacation and is busy with work, so at first, buying insurance did not attract his high attention.

  When he was free, Mr. Zhu began to carefully consider whether it was appropriate to buy this insurance, and at this time it was three months since the policy came into effect.

  Looking at this contract, Mr. Zhu felt more and more wrong, so he searched online. This search doesn’t matter. Some comments on the Internet made Mr. Zhu gasp.

  "I found that this insurance is very poor in the evaluation of netizens, and I think it is not suitable. I want to surrender." Mr. Zhu told reporters, however, after communication, Mr. Zhu learned that if he surrendered, his losses would be great. "If the payment is less than one year, I will not get any premium when I surrender, which is equivalent to three months of premium payment. My monthly salary was not high at that time, and the three-month premium was definitely not a small amount for myself. " Mr. Zhu said.

  Faced with such an outcome, Mr. Zhu felt very helpless and could only continue to pay the premium. The reporter saw in the insurance contract that his main insurance period was less than one year without cash value, and the cash value at the end of the first year was 8.82 (calculated by the amount of insurance in 1000 yuan). Then, even if he surrendered his insurance at the end of the first year, he could only get 1,764 yuan, while the premium paid in one year was 5,845.2 yuan.

  In an interview with reporters, Mr. Zhu admitted that he was ill-considered in purchasing this insurance at that time and made a hasty decision.

  Are deep cooperation advantages and disadvantages?

  In the cooperation between insurance companies and banks, in addition to borrowing bank outlets for sales, more cooperation has gone deep into credit card centers. Because credit card customers generally have good credibility, strong economic strength and high insurance awareness, insurance companies attach great importance to it.

  At the same time, because of the natural trust in banks, it is easier for insurance companies to sell insurance in the name of bank credit card centers. However, insiders pointed out that it is understandable for insurance companies and banks to carry out in-depth cooperation. If the sales behavior norms will make customers more convenient, it will be good for everyone. However, if the sales behavior of bancassurance is not more standardized, there will be misleading sales or telephone nuisance, and even insurance disputes, which will make consumers feel rebellious towards insurance companies and banks, and banks may lose some of their customers.

  "No matter when the bank credit card center sold it to me on the phone or when the insurance policy was sent to me by courier and asked me to sign it, they didn’t emphasize the risk of surrender, nor did they prompt what should be determined before signing. I think they avoided the weight and misled me. I made a decision too quickly." Mr. Zhu said.

  After this incident, Mr. Zhu’s attitude towards insurance changed from accepting to refusing. He said: "If insurance companies are dishonest when selling insurance, even if they have insurance, they may not be guaranteed."

  Five years later, Mr. Zhu still pays the premium every month, but he has long ignored the significance of this policy. He said: "It’s time to deposit a current deposit and take it out when the insurance expires. But who knows what will happen in 20 years? Maybe insurance still has some effect. " In his speech, Mr. Zhu has both helplessness to insurance and a little affirmation of the significance of insurance. (Securities Daily Leng Cuihua)

China’s legislation protects the mother river and the ancient Yellow River is reborn.

       CCTV News:Today (March 22nd) is the 31st World Water Day, and the United Nations has determined that the theme of World Water Day in 2023 is "accelerating change". From March 22nd to 28th, the 36th China Water Week was held, with the theme of "Strengthening water control according to law and working together to protect the mother river".

       Water is the source of all things and the foundation of all things. First of all, let’s learn about the familiar "water" in our daily life through a word. Now displayed on the big screen is the earliest word "water" in China. It appeared in Oracle Bone Inscriptions in Shang Dynasty, and it looks like water flowing along water veins, but its original meaning is river.

       Early human civilization originated from both sides of the river, and our mother river, the Yellow River, gave birth to an uninterrupted Chinese civilization for more than 5,000 years. "The Yellow River is peaceful and the world is peaceful". How to better protect the mother river has become an important topic in modern water conservancy construction.

Legislation to protect the mother river, the ancient Yellow River, rejuvenated.

The Yellow River is the mother river of the Chinese nation, and its protection is a great plan for the great rejuvenation of the Chinese nation. On April 1st, the Yellow River Protection Law will be implemented soon, and there will be laws to protect the Yellow River.

In Shandong Yellow River Delta National Nature Reserve, the oriental stork, a national first-class protected bird, entered the breeding period. After a long incubation period, recently, the first chick hatched this year.

Thanks to the start of the Yellow River ecological water supply and wetland restoration project, the Yellow River Delta National Nature Reserve has become the most important breeding ground for oriental storks in the world, and millions of birds migrate and winter here every year. It has also become the most complete, extensive and youngest wetland ecosystem in the warm temperate zone of China.

In the Yellow River Protection Law, which will be implemented on April 1, specific measures such as ecological water replenishment and silt dam construction in the Yellow River Delta have been written into the legal provisions.

Gui Fan, Deputy Director of Policy and Regulation Bureau of Yellow River Conservancy Commission:The Yellow River Protection Law is a summary of many years’ experience in harnessing the Yellow River, which has raised an effective experience in harnessing water and sediment loss in the Yellow River basin to a legal level, which was not found in any previous law.

The Law on the Protection of the Yellow River clearly states that the state strengthens the ecological protection and restoration of the Yellow River basin, adheres to integrated protection and restoration, and implements systematic management with natural restoration as the mainstay and natural restoration combined with artificial restoration. The state implements a rigid restraint system for water resources in the Yellow River Basin, and insists on setting cities, land, people and production by water.

       Li Xiaojing, Deputy Director of Policy and Regulation Department of Ministry of Water Resources:On the basis of fully performing their statutory duties, the nine provinces and regions in the Yellow River Basin should focus on the key points in combination with the actual situation. The upstream provinces should strengthen the protection and restoration of water conservation areas, the middle provinces should strengthen the soil and water conservation on the Loess Plateau, and the downstream provinces should strengthen the economical and intensive use of water resources, jointly do a good job in great protection and promote great governance, and create a new situation of ecological protection and high-quality development in the Yellow River Basin.

This year, China will further promote the recovery of the Mother River.

Just now, we saw that the measures for the protection and management of the Yellow River are constantly being iteratively updated. In addition, this year, China will further promote the recovery of the mother river, make the river flow, restore the lake, and build a harmonious symbiotic system of people and water.

Bi Shouhai, Director of Water Resources Protection Division, Water Resources Management Department, Ministry of Water Resources:This year, the Ministry of Water Resources will select 88 mother rivers (lakes), formulate the mother river recovery action, "one river, one policy" and "one lake, one policy" programs, strengthen the unified regulation of water resources, promote river regulation, water system connection, ecological water replenishment, groundwater overexploitation control, and gradually return the occupied ecological water, so as to restore the life of rivers and the vitality of basins.

At the same time, this year, the state will focus on the Beijing-Hangzhou Grand Canal and rivers and lakes in North China to continue to promote centralized and normalized water replenishment, so as to realize the 707-kilometer-long connection of the Beijing-Hangzhou Grand Canal to the north of the Yellow River, and the water surface area of Baiyangdian Lake will be stable at more than 250 square kilometers throughout the year.

Recently, the Ministry of Water Resources has formulated and issued the "Key Points of River and Lake Management in 2023", which will comprehensively start the health evaluation of rivers and lakes and gradually establish a national river and lake health archive; Strictly control the shoreline space and sand mining management in rivers and lakes, and further promote the normalization and standardization of the "four chaos" in rivers and lakes.

Li Xiaojing, Deputy Director of Policy and Regulation Department of Ministry of Water Resources:(River and lake management) Pay more attention to the basin as a unit, strengthen the unified planning, unified management, unified dispatching and unified management of the basin, and plan the overall situation of basin protection and management as a whole.

As for socializing, it is probably the most comprehensive.

At present, social interaction is almost rotten. Any industry will add a social element, and anyone may say that I am a social interaction. So do you really understand what social interaction is? Do you really understand the nature of social interaction? In this paper, I will try my best to use the whitest and most concise language to explain my shallow understanding of the social industry.

Good question, no chance to breathe.

Personal understanding, socializing, stripping away all other things, the most core essence, in fact, is just one sentence,Socialization is time..

Well, I think someone will definitely refute me, cursing this guy xx in my heart. Why do you say that socializing is time? Let’s release it at the next level. Socializing is actually a process of communication between two people, and this process is not to pay time. Don’t tell me you’re a Nami buster. Touch the antenna. Over.

As mentioned above, socialization is the process of communication between two people, and why should we spend this time to do it? Remember that human beings are relatively dark animals, and the so-called unprofitable can’t afford to get up early. Well, what human beings do is basically purposeful, and the answer to this purpose is actually quite simple.To get the same amount of value exchange.

What is value exchange? Take a chestnut as an example. I am a student and you are a teacher. The social behavior of the two of us is in class. I spend time in class and you spend time in teaching. My value is RMB (tuition), and your value is knowledge in my stomach. I exchange RMB for your knowledge. In the course of class, time is brushing away. Isn’t this social? Please raise your hand if anyone else doesn’t understand.

In general,Conventional value exchange includes the following: interest exchange, concept exchange, value sharing, food, loneliness, social factors, life needs, finding a sense of existence and so on.

In a word, socialization is actually a process of "trading" with each other, but this "trading" is not a concept with ordinary "commodity trading". More is equivalent exchange. If one party can’t make the other party feel that our value exchange is balanced and cost-effective, it will also break the social balance, resulting in social loss.

This time, you can understand why money is everything. Money can exchange anything for you, so you won’t feel unbalanced, and you can maintain a long-term social relationship.

This formula, which I learned from previous lectures, is almost as exquisite as the mass-energy equation.

A+B+T=R

To explain, A is one user here, B is actually the other user, T is the time, and R is the reward. Continue to release, you can get the following formula:

Personality (advantage)+interest (demand)+time commitment = return.

The A-side is everyone’s different personality, which will be his advantage. The advantage of personality is similar to the assets in the physical transaction process and is your bargaining chip. For example, I am handsome, I am beautiful, I am brilliant, I am humorous and so on.

B-side is people’s interests and needs, that is, the general social sponsors. For example, I want to see beautiful women and listen to stand-up crosstalk, which is my demand, and the advantage of a user at A-side is that it conforms to my aesthetics and beauty! Then cut the crap, let’s get it straight, and B will start hooking up with A, and naturally social relations will be formed between AB (there is nothing you can do if A ignores you).

The intermediate process of combining personality advantages and interest needs requires the investment of time, energy, money and other elements, that is, cost. Everything is based on social time. You have to spend time thinking about him and spending money. This is the social process. In short, this is the essence of social interaction.

After the process of socializing, there is a reward. This bonus return means that one party is cool and the other party is high. Maybe it’s a win-win situation, maybe it’s a single win, maybe one wins more and the other wins less. Judging from experience, it is possible to maintain a long-term social interaction when the two sides reach a static balance. Unilateral repression will generally not have a good result (the same is true for love).

On the whole, the normal and stable social behavior of human beings is produced through such a formula.

Are there any exceptions?

Yes, not much. For example, love at first sight, in fact, is that both ends have become one end, how to understand, I think (deserve to be single for 10 thousand years)!

Two perspectives that will remain unchanged for ten thousand years:Spiritual or material rewards.

The spiritual reward is more about satisfying some of our needs physically (with a wry smile), and at the same time, psychologically, it will bring you continuous satisfaction such as vanity, existence, curiosity or belonging, which is the main thing, and there will also be spiritual rewards such as satisfying knowledge and information exchange.

The material rewards are relatively simple, such as cars, houses, money, etc., as long as you can touch them in reality, you can do it.

Judging from the routine in previous years, material rewards are often more attractive to users, but at the same time, it is more difficult. Spiritual rewards also started a concentrated outbreak last year, which is represented by similar high-quality original articles, people from below, and so on.

Relationship chain, information and interaction.And social behavior, fundamentally speaking, is also composed of these three.

The production of information will promote the interaction between users, and the interaction between users will directly affect the establishment of the relationship between users; This will lead to new content.

In the social category, it refers to the nature of interaction between people. It lies in three aspects: the establishment and maintenance of the relationship chain between people.

The main purpose of relationship chain is often to obtain the potential future value of social interaction.

In the social category, it refers to the content information flow. It lies in three aspects: production and processing of content, presentation form and consumption. And the content itself has qualitative and quantitative attributes.

Paying attention to content-based socialization is often to obtain a certain content or consume a certain information or content at the moment.

In the social category, it refers to the way people interact with each other. According to the mechanism of interaction, it is divided into conditional interaction and content interaction. There are one-to-one, one-to-many and many-to-many interactions in the participation mode. And realize that interaction needs media.

Interaction as the main purpose can often relieve boredom, enhance self-worth and get rich emotional and psychological experience in return.

Socialization is time, and each product actually takes up your time, but some waste your time, and some save your time. So, Internet social products naturally came into being.

Looking at the whole social process and combing the core key points, we can see the following:Breaking point, breaking ice, relationship chain, community, quality control, stickiness, transformation, profit, reciprocating, nothing more than this.

As the name implies, it is the core point of your social platform to attract users. Remember that it is best to have one or three points.

The social products visible in the market must be very large in some way, which will lead to a large number of users pouring into your products, and this kind of demand amplification is often the rapid amplification of common needs in life, which will produce such an effect.

But it will also lead to some catastrophic problems (as mentioned below).

Imagine that a user was fooled by you and wanted to play this game. As a result, when he came in, he saw that there were n points on the platform. After looking for a long time, he didn’t find the point that attracted him, so why not lose it?

There are too many explosions in history, such as the free SMS of WeChat, the map socialization of Momo, the interest socialization of Same, the acquaintance socialization of Facebook, the teasing style of xiaokaxiu, the new mode of exploration, the burn after reading of Snapchat, etc., which are listed as much as possible after the article, so I won’t go into details here.

There is no problem in ten thousand years. If you initiate hook-up unilaterally forever, the response rate of the other party is extremely low. In some cases, this low is fatal, and many platforms are just Over.

In fact, there are countless factors involved here, such as social hooking skills, platform matching accuracy, mood of both parties, etc. The social scenes of each platform here are different, and the social explosion points are different, so it cannot be generalized.

The only thing the platform can do is to match the hardware conditions of both parties as accurately as possible, and the platform can do nothing about people.

After successfully breaking the ice, the two sides actually established a relationship chain to some extent, and the establishment, maintenance and development of the relationship chain is a social problem.

Establishment is the process of breaking the ice, and how to maintain it better is also an intuitive life and death on the other hand.If the success rate of the platform is very high every day, but all the platforms are transferred to other platforms (you know), this platform has actually become a tool for "purchasing goods" in the minds of users.It’s still a little scary, isn’t it? But it’s true. How to solve it depends on the community.

The development of the relationship chain is actually more related to the life time of the platform. The more intertwined and deeper the development, the longer the survival time of the platform, and the more secure it is as time goes on. With this solidity, it will be relatively easy to realize profits.

Another 10,000-year-old problem, what is the community? Personally,The community is actually a small post bar, which takes the points of interest as the core point to aggregate the users on the platform through the points of interest.It’s that simple? Yes, it’s as simple as that, so why is it a perpetual problem?

The quality and quality of the community almost determine the lifeline and trend of the whole platform. The relationship chain between individual users is life and death, and the community relationship platform between multiple users is the lifeline.

Although the community is important, it is useless to blindly ask for more. Look at the current WeChat and qq. How many communities are dead? If the community is alive, the platform will smell, and if the community is dead, the platform will be dead (this is also the reason why the circle of friends exists).

Where is the top community at present? I think it’s Baidu Post Bar. Some people say it’s not Douban, Tianya or something. Pay attention to my adjective, top class, instead of community quality.

At the beginning, Post Bar was a typical blue hyperlink, big frame, replying to the post and cursing the street, and then Post Bar declined more and more. I think the reason is that people’s time is more and more occupied by other emerging products, and the quality of Post Bar is low (some, at that time, unspecified), and it is not driven.

As time goes on again, Post Bar has changed its skin, invited several designers, and the style has become taller, but the model is still the same. The difference is that it has been integrated into many Internet thinking and closely combined with fan content. It has been pulled up from the bottom, and it has become the most active, comprehensive, largest and professional social platform in China. Slogan has also become a post bar to find an organization, and the organization is just a point of interest, just like before.

The importance of community is closely related to the value it brings. It can promote activity, stickiness, realization, screening content and production content, etc. Every high-quality community is actually a small independent country., have their own laws and regulations (bar rules), the boss (bar owners), the younger brother (management), ordinary people (users), scum (blacklisted users), spiritual food, beliefs, almost everything. Run the community well, to some extent, the whole platform, you can safely hand it over to them for the whole, round after round of regular user iteration, almost no dead end.

Of course, keep your head alive, don’t chew on a thing, think about Kaixin. I don’t know how to change and keep pace with the times, but I’m sorry I have to be abandoned by users. However, there will still be a special case, that is, our Baidu Post Bar. Baidu is a magical company. After winning the first export of Chinese Internet, almost all the first-hand resources will be diverted into its own products, so I don’t know whether this model will still be alive and well even if it is posted 100 years later (if Baidu is still there).

Quality control and disassembly means quality control, and there are several directions, such as platform manual audit, machine screening, sampling inspection, reporting, etc., but personally, from the perspective of platform,, the most time-saving and labor-saving and the best effect is to use the community, which is equivalent to hiring a lot of younger brothers who don’t spend money to keep an eye on you. Why not? And they are all professional, at least more professional than you, and their quality control should be better than you.

Increasing user stickiness is also related to many factors, such as user quality, content quality, profit point, word of mouth, number of users, etc.The easiest way to improve stickiness is the magical community. Cooperate with the operation means of the platform to further expand this effect.So you know how important the community is.

If you have crossed so many barriers before, congratulations, you have almost seen the sunshine of victory.Or through magical community means, the quality of platform users and content has been successfully improved, and the constantly generated new content and new users have become fresh blood. The lower level has independent users as the main support (of course, there are many side details, which will be described later), and the upper level has high-quality communities to help maintain and screen, and the users of the two levels will continue to be alternately transported (inactive users are kicked out), which has become a more successful social system.With this positive development, your market influence will gradually expand and the number of users will gradually increase. What you need to do is to firmly grasp the top community of the platform, and it is time to add some profit points appropriately.

This problem has multiple profit models according to different scenarios, purposes, platforms, etc.However, looking at the current common profit models, there are nothing more than traffic realization, value-added services, membership fees and commodity sales. The first two are almost the profit points of the current mainstream APP, not to mention.

Membership fee is more interesting, as if it was specially bred for social platforms. The premise is that you control the quality of platform users and the quality of content (poor). Only in this way can users join willingly and pay for it one after another, but this risk is also the biggest, and it is very likely that users will abandon it from now on, so consider it carefully.

E-commerce platforms are the most popular for commodity sales, but I think that through community or analyzing the attributes and preferences of independent users, we can make vertical commodity recommendations and earn CPS fees. If the algorithm is proper, maybe this can become the main income of the platform. However, if you use it with caution, it will annoy the user, and it is also possible to uninstall it in minutes.

After the profit is completed, it is actually a complete social platform process. You can return to the relationship chain to optimize and explore again, or you can continue to focus on the community, constantly reciprocating, constantly changing, and constantly making profits. Of course, the wishes are always beautiful, and the reality is always cruel.

  • Respect for human nature: high efficiency, excitement, interaction, concealment, etc.
  • Good products: product design+business model+promotion, etc.
  • Good team: strategy, operation, execution, etc.

These three points have been brought into full play, and I personally feel that there is no one after WeChat.

It’s light enough (efficient), it’s interesting to shake the drift bottle (exciting), the brush in the circle of friends is ok (interactive), the news can be ignored (hidden), and the second and third are not mentioned. It’s obvious to all that there is a boss in control.

The mobile Internet has brought social networks into a new stage. About gun artifacts, photo artifacts, interest groups, and various content sharing; Social applications are currently classified into different categories.According to the strength of the relationship, it can be divided into acquaintance socialization and stranger socialization, and it can be divided into various vertical social fields according to the field, and it can also be divided into pictures and videos according to the information bearing mode.And it also has a great relationship with social motivation, which is diverse and changing. Identity, background and different situations play different roles, and the motivation of social interaction is different. What we can grasp is the essential needs of people.

Facebook is a social graph based on "I know U", but in the later period, due to the small user scale (think about how many people you can know in reality), Facebook studied various models to bring together users with the same interests or excitement, so that such a large user scale was produced. In fact, this is also related to Facebook’s own observation of user retention, preventing users from losing too quickly, and the 521 principle are not discussed.And Facebook is simply the most awesome existence of Internet social interaction. At present, almost all social interactions are based on strangers turning to acquaintances, while only Facebook is based on acquaintances turning to strangers.Of course, there are also some in China, such as a game (ren) investment (ren) network.

Wechat, acquaintances have to mention WeChat, and WeChat is actually based on the early users led by qq. Tracing back to the source, qq was originally based on strangers, but it may be a bit far-fetched, so it should be classified as acquaintances, and it should not be humiliating.

At the beginning, WeChat focused on "free SMS", followed by the voice message function, which immediately improved the communication efficiency and enriched the communication scene. Then "people nearby" and "shake" appeared, which broke this closed field and began to communicate with strangers. Later, a circle of friends appeared, and people’s information began to settle down. Later, WeChat official account appeared, and WeChat official account was divided into subscription number and service number. At this time, WeChat began to attract enterprises, communities and larger media. Since then, WeChat has achieved explosive growth, and then laid out the red envelope function, with the intention of paying on WeChat, paving the way for commercialization, content subscription and offline.Every time I think of the whole process, I can’t help but feel goose bumps. With such a clear line, who dares to say that the success of WeChat is accidental?

Light interest+light socialization

Classify the content (pictures, videos) published by users with tags, and then push/guide the personalized content to users with interest tags as the index. Some applications will be completed in the form of user-defined labels, while others will be matched by background algorithms.

Provide users with all kinds of labels. This work may be completed when the user uses the application for the first time, or it may run through the whole software operation process.

Light interest+heavy socialization

Combining with LBS, we continue the fine traditions of Post Bar, Douban Group and QQ Group, and create multiple interest groups under independent application. Online dialogue plays a supporting role in organizing offline interest activities.

Pay attention to interest+socialize

Focus on a single interest keyword, and build a high-concentration interest social platform for users with specific needs around this theme.

I won’t give examples of products here. There are eggs at the end of the article and they are displayed there. If you want to see them, you can just look at them directly.

As for the relationship between users, due to the penetration of the Internet, in addition to establishing a relationship accident among users in various ways, we must start to develop a new relationship, which can be called "sub-relationship". Sub-relationships here refer to those who, for ordinary users, do not need to identify others, but only aim at obtaining a certain content or generating an interactive behavior. That is, I don’t need to know who you are, what your identity is and where you are; Just get the results I want.

Information production needs to be further emotional, intelligent and personalized. People’s emotional demands need to be captured and satisfied through more emotional design. And people’s rational demands need more intelligent design and experience to realize.

For the interaction between users, we need to borrow more new media. New intelligent hardware devices are fully utilized to realize remote multi-dimensional interaction of users or to simulate physical interaction. At the same time, the use of some biotechnology may have different effects.

A very classic and disastrous example, friends who are engaged in social direction should have heard it more or less.

As mentioned above, after the explosion, the problem that may be faced is the influx of a large number of users. Some people say that this is a good thing, but I don’t think so.

The gun artifact "Mo Mo", now that everyone mentions it, still thinks it is a gun artifact. In fact, "Mo Mo" had a very stable pyramid structure at first.

  • Taki: At the bottom of the pyramid are the so-called diaosi users, diaosi men and diaosi women;
  • Middle level: there are high-quality users in the middle, especially women (one high-quality female user can bring seven male users);
  • Spire: The top ones are some big V’s and Gao Fushuai’s.

The pyramid has been put up. At this time, the pyramid structure is quite stable, and its internal ecology is balanced. However, all the bottom diaosi users will continue to chat up and pursue the high-quality users in the middle, satisfying their vanity. High-quality users in the middle can screen out the top-level Gao Fushuai, which is equivalent to the role of blue chip stocks. Users at the top will find that there are really many girls with high value and good figure around. Then overnight, the reputation of the cannon artifact spread, which can make the nearby hundreds of meters become 5 meters below zero.

As a result, many diaosi users poured into this application. With hungry eyes, constantly say "about" to the middle quality users? About … ". After such a long time, this behavior changed from "pursuit" to "harassment", and the cost of screening for high-quality users became higher. For them, the value of this product was not so high, so they began to flee. At the same time, there are women who have slipped or special occupations, such as wine trays, rice trays and princesses in boxes. The value of socializing has changed. Gao Fushuai, at the top, realized that it was inefficient to meet high-quality women, and Gao Fushuai users began to lose, so the pyramid began to lose balance and collapse.

When the rules of social products can’t restrain its massive users, it will make its ecology out of balance.

Then the question is coming. If I were the product manager of Momo at that time, how would I solve it?

Momo is really having a hard time now, and the process of whitewashing is very painful and long, and it has also invested a lot of money, and the effect is still good.

Among the two unequal classes, the daily limit is limited. If the limit is exceeded, you can directly guide the payment. Please note that it is in the unequal classes, such as diaosi, which is of high quality. And diaosi chatting up diaosi is still unlimited.

This not only controls the trend of one-sided user interval, but also carries out appropriate liquidation test, and the order of the bottom users is also very large, so the risk is controlled within the controllable range to solve this problem.

Of course, the problems and risks are still there, and the test can be gradually confirmed and explored (it seems that I also voted for Momo’s resume at that time, but I didn’t have a phone call).

This should be a hot topic recently, but I think there is something wrong with the logic of this sentence.It’s not why Alipay wants to socialize, it should be "why Alipay has to socialize".

It seems similar, but it is not. The former is active and the latter is passive.

It is not difficult to see that Alipay has become the top APP in the current installed capacity of mobile phones.It is not how sticky it is, but that Alipay is just needed. Under the cover of such a huge volume of Taobao, Alipay is the only payment method, and its volume is already obvious.

Such a simple question can be seen by people like me. How can Ma Yun’s father not see it? Once users just use you as a tool, even if you just need it, there will be risks. Although this risk is not even a little bit at present, it is all about the Internet, and it is changing rapidly, especially the e-commerce. Today, Taobao is the only one. Who can prove that Taobao will not disappear after ten years, so it will disappear with Taobao (after a hundred years? ) and the decline of traffic (perhaps in the near future) lead to the direct problem of Alipay’s decline, and in order to prevent the worst result from happening, we have to move the big move to Alipay in an attempt to maintain users.

Then why not put Alipay’s social function into the current Taobao?

I think this question has to start from the scene. First of all, Taobao already has social activities, right, such as Wangxin and Ali Wangwang, but the scene is a communication tool for buyers and sellers. Although it is also social, the added value is not great. Taobao also launched the function of asking everyone last year, which is also a social interaction in the form of question and answer. This is not an instant social interaction, which is beyond the scope of this article. Looking at it in detail, Taobao has launched Taobao live broadcast, and live broadcast is also a social means. Taobao is also in the experimental stage, and it is unlikely to become Taobao’s social main force in the short term, and its position on the home page is relatively backward. Community, which was vigorously promoted last year, is still a shopping scene because it is all about goods, not people, and it is not an instant social interaction. The mode of community social interaction is also different from the traditional understanding. To sum up, there are only four reasonable social ways at the moment, and only Wangxin is the instant social and shopping scene that users understand.. The fatal problem is that this social scene is actually under the wings of business, and it is almost impossible for users who get from this scene to transfer to real life or to traditional friends. So it is not difficult to understand why Taobao has to socialize.

So why do you have to put it in Alipay? As I said before, theoretically, the installed capacity of Taobao and Alipay should be approximately 1:1, and the installed capacity is very large, so both sides are the same starting point.Wangxin in Taobao cuts strangers socializing, and the scene is shopping. The social interaction in Alipay cuts acquaintances socializing, and the scene is similar to WeChat.

That is to say, it is a passive prepayment. Assuming that in the foreseeable future, Taobao disappears or Ali transforms to do something else, Alipay can still exist in the user’s mobile phone, and it is also a good choice as a daily communication tool.

In fact, it’s okay. From the user’s point of view, it doesn’t matter which platform is available, easy to use and useful. However, the advantage of WeChat is huge, and Alipay has to come up with some new products.

At the beginning of the year, the gathering in Five Blessingg was really an anti-God activity, and I was deeply impressed.

E-commerce socialization and community, can it really be useful?

The answer is obvious and certainly useful, otherwise what else would he do?

At present, there are two markets that do best, but the scenes and means of these two companies are different. The first is Taobao, a community model, and the second is JD.COM, a shopping circle. There is nothing to say about the former. The traditional community model, which clusters users with goods, increases the stickiness and activity of APP users, and leads to purchase behavior by giving hands to points, is a more conservative and traditional practice, which is beyond reproach.

JD.COM, this is interesting, and there are many articles on the Internet, so I will briefly introduce them. The shopping circle is an entrance that JD.COM left on WeChat. After shopping, users can directly share the goods in the shopping circle from JD.COM Micro Store, and the shared goods can be seen not only by friends but also by other users.The point is that this other user, WeChat or JD.COM, has not given any details about how this other user was screened out.

Personally, I guess,According to users who have the same purchase behavior, JD.COM conjectures everyone’s preferences and essence through WeChat combined with general life scenes, and matches the connection through algorithms, which is the selected module.What’s interesting or scary about it?JD.COM connects shopping social scenes with life social scenes. He knows your life preferences or related labels and can recommend them to you according to your life thoughts. In this case, it is far more terrible than Taobao’s independent community in terms of human nature and success rate.I don’t know how far WeChat talks about data sharing. If the authority is very high, I have to say that JD.COM is a scheming boy.

If this is done well, it is not impossible for JD.COM to join hands with WeChat to surpass Taobao. Why do I make such wild remarks? No, I only speculate from the current market and human nature, or it may be nonsense.

Last year, Facebook acquired Altas, a veteran DMP.In addition to online data, there are also some offline data, including the transaction data of some users’ credit cards, which helps Facebook to build a high credibility of the number of users and provides online and offline complementarity.

About 97% of Facebook’s revenue is contributed by advertising. The horror is that the company’s growth rate is as high as 40%+(Q1 in 15 years), which is four times that of Google. If this continues, Google will be overtaken by Facebook’s advertisements, and the fundamental reasons for all this are different from the fundamental principles of advertising.

Google is passive, Facebook is active.

What is passive? When you search, it has nothing to do with yourself, but it has something to do with your search behavior, that is, there may be conflicts between the two. For example, if I search for toys, it is very likely that I just want to look at them and don’t want to buy them. If it is in CPS mode, there will be no income and low efficiency if there is no purchase behavior.Active display has a great relationship with you. Daily browsing and people’s preferences are recorded, and according to the advertisements displayed by these things, you can not be creepy.

So Facebook is already a good example, but he only advertised, and WeChat is similar to Facebook, but he hardly advertised, and turned to another profit model, joining hands with e-commerce, sharing data, recommending advertisements based on people, and attracting money.In fact, there is another problem, that is, the habit of users buying on WeChat has not been developed in a large number (compared with e-commerce platforms such as Taobao), so this is why it can’t be done.

JD.COM’s main APP has no action for the time being, only a simple discovery function, which is far from the related scenes described and the current products. What’s more interesting is that the shopping habits of users in JD.COM APP scenes have actually been developed, so it is not difficult to think about it.If JD.COM APP is a community, using the user data shared by WeChat, combined with JD.COM’s own purchase behavior, it will be more interesting to push and match accurately and directly hit your heart.(Taobao’s community is also completely based on your search behavior, and to some extent it is not equal to this ideal model).

The pit is coming, and the pit is coming. Simply talk about the pit you saw or encountered.

Represents the scene, marriage and social intercourse. Marriage and love are represented by companies such as Lily, jiayuan, Zhen ‘ai and Youyuan. Why can’t we say that the more we see, the better? First of all, if you are a man and want to chase a girl, do you want the whole world to see this girl? Certainly not. If you do, you may have two choices, one is to chase and the other is not to chase. From a mathematical point of view, the probability of both is the same. If 100,000 people see the girl you like, theoretically you will have 50,000 more competitors. I will go and think about it.

Secondly, from the data point of view, the users of this social platform for marriage and love are older, so I have to think of one thing, that is, I can’t let acquaintances see me on this platform. If others see it, it will be a shame. In fact, the two kinds of hearts are contradictory. He wants more people to hook up with him, which is bound to be more display, and he doesn’t want more display. This is one. Second, the average user wants to see the dynamics of the person he likes secretly (students in Weibo who have a secret crush can go to the side wall), and that person certainly doesn’t want to expose himself too much, so there are so many things, how to strike a balance is what you should do.

What is less refers to the function of the core highlights. Remember what it said about the explosion point,Functions must be few but refined, refined and beautiful.There is also a trade-off balance problem.

For example, looking at the face and chatting with the brand, this is a very light explosion point, which is supposed to be good, right? It backfired. Why? I used to order about a week in a row, about a hundred a day. According to the final statistics, there were about 20 pairs, about five or six replies, and one conversation with more than ten sentences. Did you turn to WeChat?You are a social platform, I am a hunter, and the prey is not allowed to be touched. What do I need you for?So it’s also a question of balance. It’s up to you how to choose.

Scope refers to the social scope. Recently, I saw a global platform for making friends (except China), which was made by Chinese people, and one problem that Chinese people don’t care about is a fatal problem abroad, that is, religious belief.

If you are a global platform, then these two problems are often the most easily overlooked. Remember, you should never joke about them, which is fatal.

What do you mean, profit points are all dead. Otherwise, profit, yes, no one is stopping it,But the profit model that individuals admire is the profit model to enhance the experience.For example, you can only use a static avatar, and you can use gif after paying (don’t be serious about the example I gave), which is called the profit point of improving the experience.

And some platforms put the profit point to the point of death. 51job, a recruitment platform, is also a social direction to some extent, right? And his family has nothing to die for,That’s my resume. It depends on who reads my resume and wants to open a vip. Ten thousand alpacas fly by in my heart.Did someone say anything wrong with this? Well, I have to ask you out for this. Die,Just as he stuck the basic functions that the website should provide to the point of paying, I submitted my resume to see who read my resume. Isn’t this the basic function that should be provided? Once you have blocked all the basic functions, it is not far away for users to run away.Imagine, if Baidu’s search, every time you search for 1 cent, open a free search for 10 yuan a month, you will die.

If Baidu adds a profit model, such as paying 10 yuan a month, the commercial promotion will not be displayed. I believe that there must be a group of paying users, which will not harm the interests of non-paying users and will not affect the basic functions. Users may be happy to give you money. Why not?(unemployed ing Baidu gives an offer)?

What’s more, I have knocked so many times before I know it, so it’s not easy to list them. I recommend an article, and interested friends can look at "18 Common Ways to Die in Social Apps".

All right, all right, it’s over. I really appreciate the friends who have been listening to my nonsense for so long. Some opinions in this article may be wrong due to personal ability limitations and insufficient knowledge. Please also point out a lot and thank you very much. Thank you in advance.

Segmentation of current social apps:

  • Minimalist/Instant Socialization: WeChat, Facebook, snapchat, Blink, Hehemo, FRANKLYCHAT, YO, flares, emoji.
  • Anonymous society: shame white, friend secret, hug, yikyak, secret, whisper, crow, honey, whisper, ROOMS.
  • Campus social activities: super curriculum, black and white campus, 11: 11, Notebowl.
  • Pan-stranger socialization: Mo Mo, micro poly, Friction, Meeting, Mo Mo Da, skout, Badoo, Mico.
  • Tinder class: Tinder, explore, right, Aloha, about you.
  • Video socialization: Xiuse, yy audio-visual, micro-shooting, girls’ school, 9158, Netease CC (game+beauty live broadcast)
  • Telephone/Voice Socialization: Neighboring, Talking and Chatting.
  • Social interaction in the same city: beautiful date, love bar, secret chat in the same city, appointment today, simplicity, SAYHI, single online, cool chat.
  • Couples socializing: little love, little love, QQ couples, love notes.
  • Games/Entertainment Socialization: Bump, Stranger, LINE PLAY, Opposite, Youjia, Dada (Answer), love dare, Beibei.
  • Semi-serious social interaction: heartbeat (interest matching), friendship (second degree) and friendship seeking.
  • Marriage and social interaction: jiayuan, Cherish, Lily, Flower Field, Fate, Heartwarming Marriage.
  • Social activities nearby: Sobrr, Whew, biu, FireChat, meetup, MISS, Crewe.
  • Workplace/Business/Identity Socialization: LinkedIN, Pulse, Meeting, Friends, conspire, Business Card Almighty King (Join Socialization), Youshi.com, Haiding.
  • Vertical social interaction: Wheels, Chexingren, ZANK, BLUED, GAYPARK, Lala Park, theL, Semi-dimensional, Dimensional, juju, gogobot (Travel Social), Friends Circle, Snowball Net, fanatix (Tournament), Dr.wine
  • Barrage socialization: TUTU, trough factory, Acfun, Bilibili
  • Picture/sound/text socialization: Snap, NICE, circle of close friends, tease, send a letter, half, mine, TOP, Personality Network, P1, tumblr, path, Pinterest, INSTAGRAM, frontback, tiiny.
  • Group chat and socializing: pie, micron, group, and friends.
  • Pet socialization: pets talk, walk, smell their nests and love night pu.
  • Sports socialization: splash, cool, keep, mint
  • Random Chat: meowchat, JiJi, Follow Meow.
  • Literary socialization: Moment, Matchbox, Douban (various), Same
  • Socialization of officers: invite you to dinner, make an appointment, and invite you to a movie.
  • Q&A/Knowledge: Zhihu, Guoke, Quora, Brainly.
  • Neighborhood socialization: NEXTDOOR, Dingdong Community
  • Paid social interaction: pampering and quick appointment
  • Female social interaction: Wei Mi, hot mom circle, big aunt, Yuanzi.
  • Star-making/star socialization: holding silk, honey music and nebula
  • Short video community: beauty shooting, micro-vision, VINE, 8PM, second shooting.
  • Socialization of big companies: going back and forth, easy to trust, and bala (new Taobao makes buy buy buy same)
  • Beauty Community Socialization: Goddess Project, I am not a goddess.

This article is the second article I output. In the next issue, I am going to write something about data (if I still have time). Click here to view my first article, Summary | Vertical Integration of Complete Product Lifeline Knowledge. Thanks again.

PS. The birth of this article is actually because of layoffs, and I have to come out to find a job again. Recently, I interviewed a good company, and the direction was social direction. Because I had done social pan-direction for more than two years before, I was lucky enough to get an interview opportunity. However, the interview was a mess because I was hospitalized with a fever a few days ago and was not fully prepared, and I didn’t engage in social orientation in recent months. I admit that I am not willing to go home and decided to sort out all the social things I had pondered before, which led to the birth of this article.

Wu Xing lady (micro signal mysterious 326531548), everyone is a product manager columnist. 3 years working experience as a product manager, with in-depth research on requirements, users and data. Welcome to exchange ideas and refuse to add friends meaningless.

This article was originally published exclusively by everyone as a product manager. Reprinting is prohibited without permission. Thanks for your cooperation.

6 dead and 30 wounded! The worst conflict in Lebanon in 13 years was related to the big bang.

  BEIJING, Oct. 15 (Xinhua)-The worst armed conflict in 13 years broke out in Beirut, the capital of Lebanon, on the 14th. Demonstrators demanding the dismissal of the judge of the port bombing were shot, which led to fierce clashes, killing 6 people and injuring 30 others. Lebanese Prime Minister Mikati called on everyone to remain calm, and UN Secretary-General Guterres called for an immediate end to the violence and continued investigation into the devastating explosion in August 2020.

  6 dead and 30 injured

  The worst conflict in 13 years!

  On the 14th, a demonstration in Beirut, the capital of Lebanon, turned into a serious conflict, causing dozens of deaths and injuries.

  According to media reports, under the organization of the radical organization Hezbollah and its allies, thousands of people demonstrated and protested, demanding the dismissal of the chief judge in charge of investigating the Beirut port explosion. But after the gunmen opened fire on the protesters, a fierce armed conflict broke out.

  The Lebanese Interior Minister said that six people were killed and 30 injured in the conflict. The Lebanese army says it has detained nine suspects who opened fire on protesters during the Beirut demonstration and is investigating.

  Hezbollah and its allies said in a statement on the 14th that their protesters were shot by snipers deployed on the roof. In the following hours, gunshots were heard on the streets of Beirut, and ambulances honked their horns to rescue the wounded. A security official said that four shells landed near a private school, causing panic.

  The weapons used in the exchange of fire include pistols, Kalashnikovs and rocket-propelled grenades, which seriously escalated the tension. This is the most serious armed conflict in Lebanon since 2008.

  Related to the big bang in the harbor.

  Multi-party urged to remain calm.

  The core of this conflict is the explosion of Beirut port on August 4, 2020, which killed at least 215 people, injured thousands and partially destroyed nearby communities. The explosion was one of the largest non-nuclear explosions in history, which further plunged Lebanon, which had been hit by political differences and unprecedented economic and financial collapse, into trouble.

  So far, no one has been held accountable for this extraordinarily serious chemical explosion. Bertard, the judge in charge of investigating the port bombing, was strongly opposed by Hezbollah and its allies, who accused him of political bias.

  In a statement, Mikati, the newly appointed Lebanese Prime Minister, called for calm and urged people "not to be involved in civil strife".

  The State Council spokesman Price told reporters: "We join the Lebanese authorities in calling on everyone to calm down and let tensions cool down."

  In response to the violence in Lebanon, UN Secretary-General Guterres called for an immediate end to the violence and continued investigations into the devastating explosion in August 2020.

  Joanna Voronyi, the United Nations Special Coordinator for Lebanon, also issued a statement condemning the violence on 14th. She stressed the need for restraint, maintaining calm and stability, and ensuring the protection of civilians.

A number of new energy projects in China Power Construction are connected to the grid for power generation.

Pray for the renewal of everything.

beginning of a new year

Guoan neng frontline staff

Stick to your post and pay silently.

A number of key projects have been connected to the grid, connected and poured.

They bid farewell to the old and welcome the new in a unique way for engineers.

  01

Zhala Hydropower Station successfully realized diversion and closure.

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  Recently, the diversion tunnel project of Zhala Hydropower Station in Yuquan River, Xizang, China’s Datang, which was built by Chengdu Branch of the Third National Security Bureau, ushered in an important node-the diversion tunnel project officially overflowed, laying a solid foundation for the interception task of Zhala Hydropower Station.

  Zhala Hydropower Station is located in Zhalang Village, Bitu Township, Zuogong County, Changdu City, Xizang Autonomous Region, with a total installed capacity of 1.015 million kilowatts. The construction of this project will play an important leading and demonstrating role in realizing the complete localization of intellectual property rights in the whole industrial chain of impulse turbines and the independent control of key core technologies of hydropower equipment.(Contributed by: Zhang Yonghu Wang Hongjiang)

The whole county roof distributed photovoltaic project in Guiping realizes full capacity grid-connected power generation.

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  On December 30, 2023, the distributed photovoltaic (Phase I) power generation project in Guiping County, Guangxi Province, which was built by Nanning Branch of the First National Security Bureau, realized full-capacity grid-connected power generation. The completion of this important node lays a good foundation for the next step of power generation, and is of great significance to promoting the development of green energy, improving ecology and promoting rural revitalization in Guigang City.

  The distributed photovoltaic project in the whole county of Guiping is mainly based on 27 local campuses in Guiping City, with a total construction scale of 4.65 MW, a total investment of about 17.3 million yuan, and an average annual power generation of about 4.81 million kWh. It is connected to the grid-connected rooftop distributed photovoltaic project with a voltage level of 380 volts. The project adopts the mode of "spontaneous self-use and surplus electricity connected to the grid" to generate electricity, which can save about 173 tons of standard coal every year and reduce the emission of 480 tons of carbon dioxide, effectively realizing the green, low-carbon, energy-saving and renewable utilization of energy.(Contributed by: Jiang Jianming)

The first batch of power generation units of Yuxi Yimendini photovoltaic project were successfully connected to the grid.

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  On December 31, 2023, the first batch of power generation units of Yunnan Yuxi Yimendini photovoltaic power generation project, which was built by Yunnan Company of the First National Security Bureau, were successfully connected to the grid, injecting new vitality into the local green energy field.

  The project is located in Tongchang Township, Yimen County, Yuxi City, Yunnan Province, with a total area of 696.45 mu and an installed capacity of 25 MW. The construction contents of the project include photovoltaic field, switching station, collecting line and sending line, etc.(Contributed by: Li Wei)

The ventilation and safety tunnel of Ningguo Pumped Storage Power Station was excavated to the powerhouse in advance.

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  On December 30, 2023, the ventilation and safety tunnel of Anhui Ningguo Pumped Storage Power Station, which was built by Nanchang Branch of the Second National Security Bureau, was successfully excavated to the factory building, and the node goal was completed five months ahead of schedule.

  The ventilation and safety tunnel has a total length of 885 meters, and the excavation section is 7.2 meters *7 meters. The full-face blasting method is adopted for excavation.Ventilation and safety tunnel is the key work of the whole power station construction, which determines the construction period of the power station and lays a solid foundation for the underground powerhouse construction of the power station to be delivered to the working face in advance.(Contributed by Zhou Zhaoxiang)

The pilot tunnel on the first floor of the main (auxiliary) powerhouse of Songyang Pumped Storage Power Station was successfully connected ahead of schedule.

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  On December 30, 2023, the pilot tunnel on the first floor of the main (auxiliary) powerhouse of Zhejiang Songyang Pumped Storage Power Station project, which was built by Changzhou Branch of the Second National Security Bureau, was successfully completed ahead of schedule, which marked the important construction progress of the project and created favorable construction conditions for the expansion and excavation of the upstream and downstream side walls of the main (auxiliary) powerhouse.

  The underground powerhouse is composed of a main engine section, an auxiliary engine section and an installation room, which are arranged in a "I" shape, and the installation field and the auxiliary engine section are arranged at the left and right ends of the main engine section respectively. The total excavation size is 185.2m * 25m * 56.8m (length * width * height), and the elevation is 313.5-370.3m. The stonework cave is excavated in 7 layers, with the maximum excavation height of 10.6m..(Contributed by Li Jiaan)

The foundation of the first turbine of Huludao Wind Power Project was successfully poured.

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  On December 30, 2023, the foundation of No.45 wind turbine in Bid A of Lianshan 250 MW wind power project in Huludao, Datang, Liaoning Province, which was built by Xiamen Branch of the Second National Security Bureau, successfully completed concrete pouring, which sounded the clarion call for comprehensive engineering construction.

  The project is located in Lianshan District, Huludao City, Liaoning Province. The total installed capacity of the project is 110 MW, and 22 5.0 MW wind turbines are installed. The tower is designed as a steel tower with a hub height of 120 meters and an impeller diameter of 193 meters. After the completion of the project, it will provide a cleaner and more reliable power supply for Huludao City and its surrounding areas, effectively promote energy conservation and emission reduction, protect the ecological environment to adapt to sustainable development, promote the high-quality development of regional economy, and achieve a double harvest of environmental and economic benefits.(Liu Yisheng)

  Editor in Charge: Gao Huijun

  Proofreading: Zhang Dongjun


The more grounded red flag SUV, the flag can be lit, and the red flag HS3 can be interpreted.

When it comes to domestic car companies, brands such as BYD, Geely and Great Wall will come to mind, but if we say that domestic car companies can compete with traditional luxury brands such as Mercedes-Benz and Audi in image, the red flag should be the only answer. Since the implementation of the new Hongqi brand strategy, Hongqi has been getting closer and closer to our ordinary consumers, and its models have attracted more young people with its luxurious and fashionable design style and low price. Not long ago, Hongqi HS3 officially debuted. What surprises will this luxury A-class SUV with both internal and external repairs bring? Let’s take a look.

At present, Hongqi HS3 offers four models with a guide price of 14.58-19.58 million yuan, with 1.5T and 2.0T power, and a 1.5T hybrid system will be provided in the future. Although the new car is positioned as an A-class SUV, the design standards of space, quality and power will be higher than those of ordinary cars of the same class. After all, it is a luxury A-class SUV for the public. Today, we will take the 2023 2.0T four-wheel drive as an example to interpret it.

(Red Flag HS5)

Look at the design part first. Some people say that the red flag HS3 is a small red flag HS5, because both of them adopt the latest family design language. From the front face, the two cars are indeed somewhat similar. For example, the classic flying wing design theme of Hongqi, with exaggerated size and square shape of the front air intake grille, supplemented by straight waterfall chrome trim, gives people the first impression that it is more solid and stable, which is what Hongqi models should look like. The headlights on both sides are not sloppy, and the flying wing decorative strips are cleverly inserted into the C-shaped daytime running lights. The turn signal is also a popular mobile design, which is quite eye-catching after lighting. In addition, it can also choose a flag lamp that can be lit to further increase the recognition of the vehicle.

From the perspective of length, width and height, Hongqi HS3 is only a standard A-class SUV, with the specific data of 4655*1900*1668mm, but the wheelbase has reached 2770mm, which is slightly outstanding, which determines that it has the potential to create more space. If we look at the standard of BBA at the same level, such as comparing Q3 and GLA, it is obvious that all dimensions of Hongqi HS3 will be dominant, and Hongqi HS3 also continues the performance that domestic cars are more kind than joint venture cars. The 1.5T model is equipped with 18-inch wheels, while the 2.0T model is equipped with 19-inch wheels, and the latter can also choose 20-inch blackened wheels.

(Red Flag H6)

The shape of the rear of the car is more similar to that of the red flag H6. For example, the same taillight group can be called the focus of the rear. Under the application of LED light source, it has a high recognition and design sense. However, the wide blackened lower surround also helps to improve the overall sports atmosphere, but it is not intuitive to create a sense of sports without adopting the central double exhaust like Hongqi H6.

Then we got into the car, and Hongqi HS3 continued to adopt the family classic design concept of embracing cockpit in the interior, with the central control screen as the central symmetry axis, and the two sides were sequentially unfolded to the side door panels, with a 12.3-inch full LCD instrument and a 12.6-inch central control large screen, showing a good scientific and technological atmosphere in a simple layout. Moreover, the surface of the center console is covered with soft materials, and the details are decorated with decorative strips and 253-color ambient lights. The fine workmanship is also worthy of the status of a luxury A-class SUV, and the four-wheel drive version will provide unique blue and black color matching, making it more fashionable.

In terms of configuration, although the top version price of Hongqi HS3 does not exceed 200,000, it is much richer than that of BBA cars of the same class. For example, L2 intelligent driving system, adaptive far and near light, openable panoramic sunroof, wireless charging of mobile phone, front seat heating and other configurations are applied to all models except the lowest one. The four-wheel drive version also has more induction tailgates, automatic parking, front seat ventilation, main driving memory, transparent chassis, 10-speaker Tanner audio and car fragrance system, and the AR-HUD augmented reality head-up display function is optional, so the overall configuration is at a good level among luxury brands of the same class.

Power is a highlight of Hongqi HS3. This model provides a 2.0T engine with a maximum power of 185kW(252Ps) and a maximum torque of 380N·m, and it is equipped with a four-wheel drive system. It only takes 6.9 seconds to accelerate 100 kilometers, which is excellent, but it also needs to pay the highest comprehensive fuel consumption of WLTC in the whole system of 7.5L/100km, while its low-equipped 1.5T model is slightly inferior in power.

Summary: Obviously, as the most representative of the independent luxury brand, everyone hopes that it will get better and better. The appearance of Hongqi HS3 really makes consumers see the progress of Hongqi brand again. If the design and configuration have sufficient advantages, the power and driving quality have also been improved. Facing Q3 and GLA, we still maintain strong competitiveness, and the key is a reasonable price, and the cost performance is worthy of applause.

The lowest price of the new Jetta is 45,000.

Jetta, once a star of Volkswagen, has now become an independent brand, mainly focusing on the low-end market:

Among them, Jetta VA3, as an entry-level model, attracts consumers with its close-to-the-people price and powerful terminal concessions. Recently, some network news mentioned that the lowest price of the new Jetta reached 45,000, but there is a gap between the actual price and the online statement. For example, the official quotation for the minimum configuration of Jetta VA3 manual gear is 59,800 yuan, which shows that the online price information may be biased.

In terms of technical configuration, Jetta VA5 follows Aisin 6AT transmission, and its stability and durability are excellent compared with Volkswagen’s dual clutch. In terms of power, it is equipped with EA211 engine, which outputs 112 horsepower and 145Nm torque, which can meet the daily needs of families, but may lack driving passion. In terms of selection, it is recommended to enjoy the second-highest model, which is only 700 yuan more expensive than the lowest model, but it is equipped with practical configurations such as front seat side air curtain and seat head airbag, which is more cost-effective.

As for King Kong, this is a small car of Goodwill Head Group, which used to sell well, but it gradually faded out of the market in recent years due to the adjustment of the group’s strategy. King Kong has stopped production in 2019 and there is no new listing plan. Despite its simple appearance and simple interior, Goodwill King Kong can still meet the basic travel needs with its body size of 4342*1692*1435mm and wheelbase of 2502 mm. The equipment in the car is also practical enough, including basic functions such as anti-theft system and leather-proof seat.

捷达

In terms of power, King Kong is equipped with a 1.5L self-priming engine, which provides 102 horsepower and 141 Nm of torque. With a 5-speed manual or 4-speed automatic transmission, it ensures the convenience of daily driving. Generally speaking, Jetta and King Kong have their own strengths, and consumers can make wise choices according to their own needs and budgets.