It’s a little summer today! "Sauna mode" is about to start. Are you ready?













2024 is a popular new product, and New Day Moses 3.0 sets off a new trend of retro technology aesthetics. Can you imagine that the beauty of the design of an electric car can combine "retro aesthetics" with "future technology" and combine "technology precipitation" with "future technology" to the extreme?
Based on the hot market background of Moses series, combined with the real feedback from merchants and users, New Day Moses 3.0 is further upgraded and developed with the concept of retro futurism. With more elegant retro style and modern advanced technology, it has recently created a high-value female car, which is fashionable, elegant and beautiful.
The interweaving of future and past, fashion and retro.
The design of New Day Moses 3.0 is inspired by the retro design of the Beatles, and the high windshield front panel is fashionable and practical, highlighting the strong retro style. The exterior color matching of the vehicle adopts 18th century French classics.【rococoartwindLattice]Camellia White/Luoden Frost Green, Roman Green, Rabbit Ear Powder/Plum Powder, Lime White/Oak Brown, etc. are fashionable and retro, which are the romantic aesthetics favored by artists and the most comfortable 6:3:1 gold color scheme recognized in the world, making people full of exquisite, elegant, gorgeous and delicate visual enjoyment.
Not only is the appearance of the color scheme elegant and profound, but the details of the design are also adopted by Niigata Moses 3.0."High-gloss mirror paint", 4 times spraying, 5 times baking, paint luminosity ≥ 90, more shiny and textured. Paired with those commonly used for jewelry decoration."Bright silver plating accessories"With 15 technological processes, 100+ polishing and 10h+ electroplating, it has better oxidation stability, can effectively prevent oxidation and corrosion, and is more beautiful and upscale.
From the past to the future, alwaysStick to the performance experience
Under the extreme style and high-value appearance, it is a high-profile configuration with full experience. In terms of power, Moses 3.0 is equipped.【High performance motor】, the power output is stronger; Double hydraulic shock absorption before and after, minimizing the bumpy feeling caused by rough and bumpy roads, and creating electric motorcycle-level comfortable riding. The night riding experience of the vehicle is also very comfortable, with retro rounded headlights and front and rear turn signals, all-round.【360 laser lighting system】, with stronger brightness, wider visual range and longer illumination distance.
Vehicle seats are made of high-quality delicate leather 3D wrapping design.【Palm leather cushion】After 36 tanning processes, it is more water-resistant and wear-resistant, with good elasticity, comfortable and delicate feel, and it is not easy to produce scars or deformation. Combined with the cloud cushion technology, the high-density rebound sponge with a thickness of 70mm gold is soft and fits the hip curve. The vehicle also supports【Bluetooth inductive unlocking】、【One-button reversing】And other intelligent functions, girls with small strength can also start and stop easily, comfortable and elegant throughout.
For many users, fashion sense can be said to be the first important factor affecting car purchase decision. An electric car with a good appearance can be more enjoyable and meet various needs such as wearing. On the other hand, New Day Moses 3.0 not only has a good face value, but also every detail, including style design and riding performance, gives people an exquisite and practical experience, allowing functionalism and emotional value to coexist. Let’s get off to a good start in the Spring Festival of the Year of the Dragon and turn comfortable and elegant travel into a daily routine ~
Text/Yangcheng Evening News All Media Reporter Liang Zeming
In the last month, have you been bored by the frequent "dragon boat water"? The good news is that this year’s "Dragon Boat Water" in Guangdong has been "withdrawn".
Although "Dragon Boat Water" has ended, sunny heat has become the protagonist, but it does not mean that there is no rain at all. Thunderstorms will still come from time to time to grab the show, especially in eastern Guangdong. Thunderstorm+high temperature, does it feel like a "sauna"? Standing outside for a while during a thunderstorm is comparable to being in a sauna. Try it?
It is estimated that on June 29, due to the fluctuation of the east wind, there will be heavy rain to heavy rain and local heavy rain in the cities and counties of eastern Guangdong, and there will be moderate thunderstorms and local heavy rain in the southern cities and counties of the Pearl River Delta and Meizhou. From June 29th to July 1st, there was a high temperature of about 35℃ and local 37℃ in cities and counties in the north-central region.
The specific forecast is as follows:
On June 29, there were heavy rains to heavy rains and local heavy rains in cities and counties in eastern Guangdong. The southern cities and counties in the Pearl River Delta and Meizhou were cloudy with moderate thunderstorms and local heavy rains, while the rest cities and counties were sunny to cloudy with local thunderstorms. Maximum temperature: 29℃ ~ 33℃ in eastern Guangdong, southern coastal cities and counties and Meizhou, and 34℃ ~ 36℃ in most other cities and counties.
From June 30th to July 1st, most cities and counties were sunny to cloudy with some thunderstorms, among which the southern coastal cities and counties were cloudy with scattered thunderstorms. Maximum temperature: 31℃ ~ 34℃ in southern coastal cities and counties, 35℃ ~ 36℃ in most other cities and counties, and 37℃ in some cities and counties.
In Guangzhou, the sunshine will be accompanied by thunderstorms in the next few days, and it will still be hot and sunny during the day, and local thunderstorms will sneak up. When it’s time to leave air conditioning, WiFi and watermelon, everyone should pay attention to heatstroke prevention and take an umbrella with them to keep out the rain and shade.
Every summer, "sauna days" are the most difficult. In this weather, high temperature and high humidity are combined, which makes it difficult to breathe. Why is the "sauna day" so difficult? Wang Weiyue, a meteorologist of China Weather Network, said that in general, people cool down by sweating in hot weather, and sweat can take away the heat generated by the human body in time. However, in the "sauna day", due to the high humidity and low wind speed, the evaporation rate of sweat is greatly slowed down, and the clothes can be soaked after going out for a few minutes, feeling sticky all over.
Due to the imbalance between heat production and heat dissipation, people are prone to heatstroke in sauna days, especially the following categories of people, which need special care. For example, people who drink less water and have underdeveloped sweat glands are not easy to sweat and suffer from heatstroke in sauna days; For people who are stressed and irritable, hot and humid weather will easily affect their hypothalamic ability to regulate emotions, leading to palpitation and chest tightness; People with poor cardiopulmonary function are prone to cardiovascular diseases in high temperature and high humidity environment.
Source | Yangcheng Evening News Yangcheng School Comprehensive @ Guangdong Weather @ Guangzhou Weather @ China Weather, etc
Editor | Zheng Zongmin
"Extreme cold waves are more likely to break out."
After the "cliff-like" seasonal cooling during the National Day, a new round of cold air followed after the holiday, bringing strong winds, cooling and rain and snow to the central and eastern regions of China. According to the Central Meteorological Observatory, on the 10th, the impact of cold air was coming to an end. However, there were still moderate to heavy rains and local heavy rains in eastern Jilin and eastern Heilongjiang. There are sleet or small to medium snow in the northeastern part of Liaoning, the eastern mountainous area of Jilin and the southeastern mountainous area of Heilongjiang, and there are heavy snowstorms in the eastern mountainous area of Jilin.
Despite psychological preparation, the temperature drop in early October exceeded expectations, and some areas experienced record-breaking heat and cold overnight in winter. From blowing air conditioners to wearing long trousers, people can’t help wondering: Why did the cold wave come so early this year?
The temperature in many places in the south is "big diving"
On October 2, the Central Meteorological Observatory issued a blue warning of cold wave, which is the earliest cold wave warning issued in the second half of the year since the Central Meteorological Observatory officially launched the early warning release mechanism in 2010. From 14: 00 on October 2 to 20: 00 on October 6, the temperature in most parts of central and eastern China generally dropped by 8 ~ 12℃, and the temperature in central and eastern Inner Mongolia, Northeast China, most of Shaanxi, Huanghuai, Jiang and other places dropped by 12 ~ 16℃, and the local temperature dropped by more than 18℃.
When the cold wave in the north hit and the temperature dropped sharply, most areas in the south were still as hot as midsummer, and they were in the yellow warning of high temperature, with the local temperature reaching above 40℃. 470 national meteorological stations such as Hefei, Nanchang, Changsha and Hangzhou also broke the record of the highest temperature in October. It is understood that this is also the first time in history that two early warnings of high temperature and cold wave have been released at the same time.
When the cold air drives straight, the temperature in many places in the south "dives", and the temperature in some areas such as Anhui, Hubei and Jiangsu even drops by more than 20℃. First, it experienced the hottest in the same period in history, and then it experienced a "seasonal" cooling. Many netizens in the south said that it seemed to be a day from summer to winter.
After the National Day holiday, a new cold air continued to hit, which was accompanied by rain, snowfall and windy weather. From 8th to 10th, a new round of strong cold air will affect the central and eastern regions of China, and the lowest temperature in some northern regions will hit a new low since autumn. In addition to cooling, it also brings strong winds, rainfall and snowfall.
On the 10th, the impact of cold air came to an end, but there was still cooling and rain and snow in the northeast. On the 11th, the lowest temperature in Guangdong fell below 10℃, and the lowest temperature in most parts of the province hit a new low in the second half of the year.
This is a crisp autumn in October, and the cold air continues to exert its strength. Many places in China have "seasonal cooling". Why? Zhang Tao, chief forecaster of the Central Meteorological Observatory, analyzed that in the first half of the National Day holiday, the subtropical high was unusually strong and had a large influence range, and the highest temperature broke the historical extreme value in some parts of the north and south, showing a warmer trend on the whole. Under such circumstances, a strong cold air cut down from the low altitude of the subtropical high from north to south, the ground temperature dropped sharply, and the cold and warm air confronted each other, resulting in rainy weather along the Huaihe River, and the continuous rainy days led to the coldest day in the same period in history.
The recent frequent cold air activities will have an impact on the drought in the Yangtze River basin in China. Peng Jingbei, a senior engineer in lasg, analyzed that, on average, the precipitation in autumn in the Yangtze River basin is less than that in summer. Precipitation often occurs in areas where cold and warm air meet. When the cold and warm air forces are equal, it is easy to have continuous precipitation. However, since October, China has been hit by strong cold air one after another. On October 8-9, windy weather appeared in Beijing and other places, with gusts of 7-9 and local level of 10. Such a strong wind shows that the cold air is strong, and in this case, it is not easy to sustain heavy precipitation in the southern region. "In fact, on October 5-9, the temperature in the Yangtze River basin was more than 4 C lower than normal, but the meteorological drought in the Yangtze River and its south remained."
Will it be colder in winter?
After experiencing the latest high temperature warning and the earliest cold wave warning in history, many netizens are worried that autumn is already very cold, will it be colder this winter and will it experience extreme cold wave?
Earlier in September, the United Nations World Meteorological Organization (WMO) predicted that La Nina, which began in 2020, would last until the end of this year, which would be the first "triple" La Nina phenomenon in the 21st century.
In fact, as early as April-May this year, the Institute of Atmospheric Physics of Chinese Academy of Sciences used the scientific apparatus Earth System Simulator to predict that La Nina events will occur for three consecutive years in 2022-2023, and provided accurate prediction and early warning to relevant departments. In the spring and summer of 2022, the sea surface temperature in the tropical Middle East and Pacific Ocean has been in a relatively cold state all the year round, and the coldness has further intensified since autumn. The latest forecast results show that the current La Nina state will continue and develop in autumn and winter in 2022, reaching its peak in winter.
Will the influence of the new round of La Nina be greater than that of the past two rounds? Zheng Fei, a researcher at the Institute of Atmospheric Physics of the Chinese Academy of Sciences, said that it is impossible to judge at present. On the one hand, there are few examples of La Nina events for three consecutive years in history, so it is impossible to give a statistical conclusion; On the other hand, the intensity of this La Nina event will be in the category of moderate intensity, and how to develop and influence China’s climate in the future still needs to be predicted continuously to enhance its credibility.
At the end of September, Xiao Chan, deputy director of the National Climate Center, said at the regular press conference of China Meteorological Bureau that under the background of global warming, the frequency of warm winters has increased since 1986. In the winter after La Nina incident, there were years when the temperature was low. The main characteristics of the abnormal temperature in winter were: the temperature in most parts of the country was lower than normal, especially in northern North China, southern Northeast China, most of southern China, eastern and northern Southwest China, and most of northwest China. After the La Nina incident, the winter precipitation in China mainly shows as follows: a large range of precipitation is less, especially in the eastern part of Northeast China, along the middle and lower reaches of the Yangtze River, in the southern part of Southwest China, and in northern Xinjiang. There is more precipitation in the northern part of southwest China and the eastern part of northwest China.
However, Xiao Chan also pointed out that La Nina event is only one of the external forcing factors that affect China’s winter climate. China’s winter climate is also affected by Arctic sea ice, Eurasian snow and other factors, and the natural variability within the atmospheric system also plays an important role. The Meteorological Bureau will strengthen the judgment and provide more detailed forecast opinions in late October.
Zheng Fei believes that under the synergistic influence of La Nina event and the warm Arctic Ocean, the cold air activity in China is likely to continue to be strong this winter, and it is prone to staged low temperature and extreme cold events. At present, based on the warm Arctic sea temperature in the previous period and the possibility of La Nina events in the future, it is predicted that the temperature in some parts of northern China will be slightly lower this winter, which may lead to staged low temperature due to the influence of staged cold air, and the possibility of extreme cold wave outbreak is high; In some parts of the south, there is the possibility of disasters such as low temperature, freezing, rain and snow, so we need to be vigilant and raise our awareness of prevention.
Luo Jingjia, a national distinguished professor of Nanjing University of Information Science and Technology, also said in an interview with Modern Express that for East Asia, the winter under the influence of La Nina will be colder. However, the emission of carbon dioxide is increasing, and the degree of coldness may not be so obvious compared with the previous La Ni? a event, which may not cause a very cold winter, but its cooling may be reflected by the occurrence of a cold wave phenomenon. "Therefore, we should pay special attention to the number and intensity of possible cold waves this winter."
Expert: Extreme cold events tend to increase.
In the past summer, there were rare high temperature and heat waves in all parts of the northern hemisphere. Most parts of China are also shrouded in high temperature, and high temperatures above 40 C continue to appear in many places. Global warming, why is there a strong cold wave?
Many experts said that there is no contradiction between strong cold wave and global warming. It is in the context of global warming that the climate is more unstable, with the frequency and intensity of extreme weather events such as rainstorm, high temperature heat wave, drought and flood in summer, extreme low temperature and cold wave in winter increasing. For example, from December 2020 to January 2021, China suffered from extreme cold waves one after another, resulting in large-scale cooling and extreme low temperatures in many places.
Zhao Liang, a senior engineer in lasg, told China Newsweek that from the statistics of frequency, in the past 20 years, the number of cold wave days in winter in China showed a downward trend as a whole, but there was a great difference in time and space. Spatially, the reduction of cold wave days mainly occurred in the south, but the number of cold wave days in the north, especially in the northeast, did not decrease. In time, the frequency of strong cold waves is more in the first half of winter, and the reduction of cold waves is mainly concentrated in the second half of winter (February).
It is worth noting that since 2008, the average minimum temperature of the coldest winter period in eastern China, that is, the strongest cold wave events every year, is lower than that in the 1980s and 1990s, that is to say, the strong cold wave events have an increasing trend.
Zhao Liang further analyzed that the change characteristics of cold events in China are closely related to the important changes of atmospheric circulation and polar system in the northern hemisphere caused by global warming. Among them, the warming of the Arctic in winter and the cooling of the mid-latitude continent — — That is to say, the warm Arctic-cold continent phenomenon is an important change pattern. This phenomenon has an important connection with the outbreak of extreme cold events in mid-latitudes, including China, especially aggravating the strong cooling events in northern China.
"With the persistence of global climate anomalies, it seems that the extreme cold (cold wave) event in the northern hemisphere in winter has been ‘ Home-cooked meals ’ . But there is great uncertainty about where and when it will happen, "said Yao Yao, an associate researcher at the Institute of Atmospheric Sciences. The continuous increase of greenhouse gases has made the earth warmer and warmer, and the atmosphere on which human beings depend has become increasingly unstable. For the northern hemisphere, polar vortex will become unstable more easily in winter. Under the guidance of favorable atmospheric circulation system, cold air will break through the westerly jet barrier more easily and frequently, and then be transported to middle and low latitudes, causing extremely cold (cold wave) weather.
For the early warning of extreme cold events, Zheng Fei stressed that short-term weather forecast and climate trend forecast for more than two weeks should be strengthened to improve the prevention and early warning of freezing rain and snow disasters. At the same time, agriculture, animal husbandry, energy and transportation industries need to pay close attention to the early warning of freezing rain and snow disasters and formulate effective preventive measures and emergency plans.
Qilu Net Lightning News August 3 rd Today, hot weather appeared in many places in Shandong. In the next four days, high temperature and high humidity weather will continue to appear in Shandong. According to meteorologists, the persistent occurrence of this kind of weather is mainly due to the control of subtropical high (referred to as "subtropical high").
Today, the highest temperature in most parts of Shandong is above 35℃, and the highest temperature is 37.1℃ in Zibo Boxing. Since August 2, the subtropical high in the northwest Pacific Ocean has been extended westward, and as a result, high temperature and sultry weather have continued to appear in Shandong. Experts said that when the subtropical high was controlled, it prevailed in downward flow, and the weather was sunny and hot.
"The weather in Shandong is relatively sunny, so solar radiation heating is more obvious. In addition, there is no obvious cold air activity, and the southerly airflow prevails in the lower level. The southerly airflow is to transport water vapor to Shandong, in addition, it is warm and humid air, in addition, the temperature is rising, and in addition, the humidity in the lower atmosphere is increasing, which causes high temperature and high humidity weather. Gao Liuxi, chief forecaster of Shandong Meteorological Observatory, told the lightning journalist.
The Shandong Meteorological Observatory continued to issue a yellow warning of high temperature at 16: 00 today: due to the influence of subtropical high, it is estimated that the highest temperature in Liaocheng, Dezhou, Binzhou, Dongying, Jinan, Zibo, Weifang, Tai ‘an, Heze, Jining and Zaozhuang will be above 35℃, with local temperature of 37 ~ 39℃ and relative humidity of 60 ~ 80% on 4 ~ 7. The high temperature process has high humidity, high body temperature sensitivity and long duration, so it is necessary to guard against the adverse effects caused by continuous high temperature.
Lightning journalist He Zewei correspondent intern Liu Yichen reports.
In winter, it is often difficult to start a car. If you encounter this situation, you can try to press the accelerator while turning the key to light the fire. This method is very effective, but when the car starts, you should pay attention to loosen the throttle properly, because excessive stepping on the throttle will cause damage to the car. If this method still fails to solve the problem, there may be the following reasons:
1. The battery is short of electricityIt is the most common reason that makes it difficult to start a car in cold weather. The lower the temperature, the lower the battery capacity. Generally speaking, the life of a battery is about 3 years. When the engine is difficult to start, the headlights are dim or the horn sound is unclear, you should check whether the battery is short of electricity.
2. The exhaust pipe is frozen
It is also a common problem. If the car is used less frequently and the route is shorter, the water vapor after engine combustion will freeze in the exhaust pipe, and short-distance driving is not enough to melt it. After a night, there will be more ice, which will affect the starting and exhaust of the vehicle.
3. Poor performance of engine oil or incorrect selection.
It may also lead to difficulties in starting the car. In winter, the viscosity of engine oil increases greatly, which leads to the increase of internal resistance of engine. Therefore, low viscosity engine oil should be used to cope with the cold weather in winter.
Note that the above method is only applicable to the situation that the car is difficult to start. If the problem still exists, please contact professional car maintenance personnel for inspection and maintenance.
On January 26 th, Titanium Media App reported that the General Administration of Financial Supervision held a meeting to deploy and promote the implementation of the coordination mechanism for urban real estate financing. Actively responding to the call of national policies, we officially launched the real estate debt basket on January 25, 2024, and independently underwritten and issued the first asset-backed debt financing tool for real estate enterprises. Through a series of innovative measures, the bank’s real estate bonds provide market liquidity, accurately support real estate enterprises, boost the market confidence of real estate enterprises and help their financing needs while meeting the trading needs of investment institutions.
It is understood that the real estate bond basket (basket code: BBX026002) launched this time has a trading unit of 30 million yuan, and the portfolio includes three real estate corporate bonds, each of which is 10 million yuan. All of them select high-quality real estate bonds with a remaining maturity of less than 5 years, which has both allocation value and market liquidity. The bonds in the portfolio will be adjusted according to the actual market situation.
While launching the real estate debt basket, Zheshang Bank also innovatively launched the asset-backed debt financing tool for real estate enterprises. On January 25th, Zheshang Bank independently underwritten and issued the asset-backed debt financing instrument (CB) of Huayuan Real Estate Co., Ltd., with a total scale of 290 million yuan and a term of 2 years.
CCTV News:According to the website of the People’s Bank of China, on July 28th, the central bank released a statistical report on the loan investment of financial institutions in the second quarter of 2023.
According to the statistics of the People’s Bank of China, at the end of the second quarter of 2023, the balance of RMB loans of financial institutions was 230.58 trillion yuan, up 11.3% year-on-year; In the first half of the year, RMB loans increased by 15.73 trillion yuan, an increase of 2.06 trillion yuan over the same period of last year.
First, loans from enterprises and institutions grew steadily, and the growth rate of medium and long-term loans increased more.
At the end of the second quarter of 2023, the loan balance of local and foreign currency enterprises and institutions was 152.21 trillion yuan, a year-on-year increase of 13.5%, and the growth rate was 0.1 percentage point lower than that at the end of last year; In the first half of the year, it increased by 12.86 trillion yuan, an increase of 1.3 trillion yuan year-on-year.
In terms of terms, the balance of short-term loans and bill financing was 52.8 trillion yuan, up 6.8% year-on-year, and the growth rate was 6.2 percentage points lower than that at the end of last year. In the first half of the year, it increased by 3.01 trillion yuan, a year-on-year decrease of 2.24 trillion yuan. The balance of medium and long-term loans was 95.96 trillion yuan, up 17.9% year-on-year, and the growth rate was 3.4 percentage points higher than the end of last year. In the first half of the year, it increased by 9.68 trillion yuan, an increase of 3.45 trillion yuan year-on-year.
In terms of purposes, the balance of fixed assets loans was 63.7 trillion yuan, up 14.2% year-on-year, and the growth rate was 2.8 percentage points higher than that at the end of last year. The balance of operating loans was 62.87 trillion yuan, a year-on-year increase of 15%, and the growth rate was 2.3 percentage points higher than that at the end of last year.
Second, the growth rate of medium and long-term loans in industry, service industry and infrastructure industry continued to increase.
At the end of the second quarter of 2023, the balance of medium and long-term loans in local and foreign currency industries was 20.2 trillion yuan, up 32.4% year-on-year, and the growth rate was 21.8 percentage points higher than that of various loans and 5.9 percentage points higher than that at the end of last year. In the first half of the year, it increased by 3.19 trillion yuan, an increase of 1.39 trillion yuan year-on-year. Among them, the balance of medium and long-term loans for heavy industry was 17.24 trillion yuan, a year-on-year increase of 32.2%, and the growth rate was 6.7 percentage points higher than that at the end of last year; The balance of medium and long-term loans for light industry was 2.96 trillion yuan, up 33.6% year-on-year, and the growth rate was 1.1 percentage points higher than that at the end of last year.
At the end of the second quarter of 2023, the balance of medium and long-term loans in local and foreign currency service industries was 60.75 trillion yuan, up 14% year-on-year, and the growth rate was 2.8 percentage points higher than that at the end of last year. In the first half of the year, it increased by 5.05 trillion yuan, an increase of 1.67 trillion yuan year-on-year. The balance of medium and long-term loans in the real estate industry increased by 7.1% year-on-year, and the growth rate was 3.1 percentage points higher than that at the end of last year.
At the end of the second quarter of 2023, the balance of medium and long-term loans in local and foreign currency infrastructure industry was 35.93 trillion yuan, up 15.8% year-on-year, and the growth rate was 2.8 percentage points higher than that at the end of last year. In the first half of the year, it increased by 3.25 trillion yuan, an increase of 1.1 trillion yuan year-on-year.
Third, loans in various fields in inclusive finance maintained a relatively high growth rate.
At the end of the second quarter of 2023, the balance of Pratt & Whitney small and micro loans was 27.69 trillion yuan, up 26.1% year-on-year, the growth rate was 2.3 percentage points higher than the end of last year, and it increased by 3.9 trillion yuan in the first half of the year, up 1.16 trillion yuan year-on-year; The balance of loans for farmers’ production and operation was 8.86 trillion yuan, up 18.3% year-on-year; The balance of business guarantee loans was 298.1 billion yuan, up 14.6% year-on-year; The balance of student loans was 169.6 billion yuan, a year-on-year increase of 21.6%.
At the end of the second quarter of 2023, the balance of loans for people out of poverty nationwide was 1.11 trillion yuan, up 13.2% year-on-year, and 485.3 billion yuan was distributed in the first half of the year.
Fourth, the rapid growth of green loans
At the end of the second quarter of 2023, the balance of green loans in local and foreign currencies was 27.05 trillion yuan, up 38.4% year-on-year, 0.1 percentage point lower than the end of last year, 27.8 percentage points higher than the growth rate of various loans, and 5.45 trillion yuan higher than the beginning of the year. Among them, loans to projects with direct and indirect carbon emission reduction benefits were 9.6 and 8.44 trillion yuan respectively, accounting for 66.7% of the total green loans.
In terms of purposes, the loan balances of green infrastructure upgrading industry, clean energy industry and energy conservation and environmental protection industry were 11.85 trillion yuan, 6.8 trillion yuan and 3.93 trillion yuan respectively, up by 34.3%, 35% and 49.2% respectively, up by 2.14 trillion yuan, 1.26 trillion yuan and 954.9 billion yuan respectively from the beginning of the year. In terms of industries, the balance of green loans in power, heat, gas and water production and supply industries was 6.43 trillion yuan, up 26.6% year-on-year, up 926.4 billion yuan from the beginning of the year; The balance of green loans in transportation, warehousing and postal services was 5 trillion yuan, up 13.9% year-on-year, up 465.5 billion yuan from the beginning of the year.
V. The growth rate of agricultural loans continued to grow.
At the end of the second quarter of 2023, the balance of agricultural loans in local and foreign currencies was 54.64 trillion yuan, up 16% year-on-year, and the growth rate was 2 percentage points higher than that at the end of last year. In the first half of the year, it increased by 5.47 trillion yuan, an increase of 1.4 trillion yuan year-on-year.
At the end of the second quarter of 2023, the balance of rural (county and below) loans was 45.6 trillion yuan, a year-on-year increase of 16.1%, and the growth rate was 2.6 percentage points higher than that at the end of last year; In the first half of the year, it increased by 4.66 trillion yuan, an increase of 1.38 trillion yuan year-on-year. The balance of farmers’ loans was 16.31 trillion yuan, a year-on-year increase of 13.4%, and the growth rate was 2.2 percentage points higher than that at the end of last year; In the first half of the year, it increased by 1.32 trillion yuan, an increase of 359 billion yuan. The balance of agricultural loans was 5.67 trillion yuan, a year-on-year increase of 14.7%, and the growth rate was 4 percentage points higher than that at the end of last year; In the first half of the year, it increased by 583.8 billion yuan, an increase of 196.6 billion yuan.
Sixth, the growth rate of real estate loans declined.
At the end of the second quarter of 2023, the balance of RMB real estate loans was 53.37 trillion yuan, a year-on-year increase of 0.5%, which was 1 percentage point lower than the growth rate at the end of last year; In the first half of the year, it increased by 154.9 billion yuan, accounting for 1% of the increase in various loans during the same period.
At the end of the second quarter of 2023, the balance of real estate development loans was 13.1 trillion yuan, a year-on-year increase of 5.3%, and the growth rate was 1.6 percentage points higher than that at the end of last year. The balance of individual housing loans was 38.6 trillion yuan, down 0.7% year-on-year, and the growth rate was 1.9 percentage points lower than that at the end of last year.
Seven, loans to support science and technology enterprises.
By the end of the second quarter of 2023, there were 211,900 small and medium-sized science and technology enterprises supported by loans, with a loan rate of 46.7%, 2.1 percentage points higher than the end of last year. The balance of local and foreign currency loans of small and medium-sized science and technology enterprises was 2.4 trillion yuan, up 25.1% year-on-year, 0.8 percentage points higher than the end of last year.
Eight, the growth rate of household consumption loans rebounded, and operating loans maintained a relatively fast growth rate.
At the end of the second quarter of 2023, the balance of household loans in local and foreign currencies was 78.57 trillion yuan, up 6.1% year-on-year, and the growth rate was 0.7 percentage points higher than that at the end of last year. In the first half of the year, it increased by 2.8 trillion yuan, an increase of 611.6 billion yuan year-on-year.
At the end of the second quarter of 2023, the balance of household consumer loans (excluding personal housing loans) in local and foreign currencies was 18.75 trillion yuan, up 12.4% year-on-year, and the growth rate was 8.3 percentage points higher than that at the end of last year. In the first half of the year, it increased by 717.1 billion yuan, an increase of 607.6 billion yuan. The balance of household operating loans was 21.22 trillion yuan, up 19.5% year-on-year, and the growth rate was 3 percentage points higher than the end of last year; In the first half of the year, it increased by 2.3 trillion yuan, an increase of 759.1 billion yuan.
[Official Map of New Cars in car home] Recently, Volkswagen officially released a set of official maps of new golf, this time it released a medium-term redesigned golf () (8.5 generations of golf), and the 8th generation of golf currently on sale in China was launched in 2020. This time, Volkswagen released the regular version of golf, the plug-in hybrid version of high-performance golf GTE, the travel version of Golf Variant and the high-performance fuel small steel gun golf GTI. The biggest change of the new models is the replacement of brand-new LED headlights and the new car system. The new car is scheduled to be pre-sold overseas in the spring. It is worth mentioning that in 2024, the golf has reached its 50th anniversary, and the global cumulative sales volume has exceeded 37 million.
● Ordinary Golf
Let’s take a look at the new regular golf. This time, there is no picture of the pure fuel version. This is a plug-in version, and the charging socket can be seen in the left front of the vehicle. Appearance, compared with the current model, the biggest change of the new car is to upgrade the brand-new LED headlights, and the eyes look sharper. In addition, matrix LED headlights can be selected, and the lighting distance can reach 500 meters.
For the interior, the new car adopts a brand-new MIB4 car system and has an intelligent IDA voice assistant. Through natural voice interaction, it can not only control functions such as air conditioning, telephone or navigation, but also broadcast weather forecast, answer common sense questions and obtain all kinds of online information. ChatGPT, an artificial intelligence language model, will also be integrated into IDA voice assistant. In addition, the screen has also been upgraded, with 10.4-inch and 12.3-inch options, and the air conditioner is controlled by a newly designed touch slider. The shift lever adopts a compact electronic gear handle.
In terms of power, the regular version of Golf is equipped with a 1.5T four-cylinder gasoline engine with 114 horsepower and 150 horsepower, and the transmission system is matched with a 6-speed manual gearbox. Volkswagen said that Golf has a 48V light-mixed model, but did not specify which gasoline engine the light-mixed system is matched with. There is also a 1.5T eHybrid plug-in version, the maximum power of the gasoline engine is 150 HP, the transmission system is matched with a 7-speed dual-clutch gearbox, and it can realize 50 kW DC fast charging, 10%-80% charging in 25 minutes, 100km pure battery life and 1,000 km comprehensive battery life. In addition, a 2.0T engine is available. The gasoline version has a maximum power of 204 HP, and the transmission system is matched with a 7-speed dual-clutch gearbox. The diesel version has 114 HP and 150 HP. The former is matched with a 6-speed manual gearbox and the latter is matched with a 7-speed dual-clutch gearbox.
In addition, the new golf is equipped with a series of driver assistance systems. When passing the parking space, the Park Assist Plus system can automatically detect whether the parking space is large enough and start the corresponding parking program. Park Assist Pro system enables drivers to control vehicles to enter and leave parking spaces through mobile phones. The Area View system is another new function on the new car. The system creates a 360-degree panoramic view by synthesizing the images of four cameras, and transmits the corresponding images to the car screen, so that drivers can more easily notice the signs around the kerbs and parking spaces.
● Golf GTI
The new Golf GTI is a performance model in the golf series, with a positioning lower than (|). The car is also equipped with brand-new LED headlights, and the lower enclosure adopts exaggerated aerodynamic design, which makes this car a bit more powerful. In addition, the car is equipped with brand-new double five-spoke wheels, and the petal-shaped shape is somewhat similar to Alfa Romeo’s style.
In terms of interior, as a performance model, the steering wheel and doors are decorated in red, the car system is also changed into a red theme style, and the pedals are also made of metal, further rendering the fighting atmosphere. In terms of power, the car is equipped with a 2.0T engine with a maximum power of 265 HP, which is 20 HP higher than the current one. The transmission system is matched with a 7-speed dual-clutch gearbox.
● Golf GTE
The new Golf GTE is a high-performance plug-in hybrid vehicle. Its overall design style is similar to that of Golf GTI, and it is painted in a relatively fresh light blue, but the red brake calipers reflect its high-performance identity. The rear of the car adopts a hidden exhaust pipe, and the decoration similar to the diffuser further enhances the sense of movement.
There are a lot of blue decorations in the car, the theme color of the car system has also been changed to blue, and there is an exclusive GTE logo under the steering wheel to highlight its identity as a new energy performance car. In terms of power, the car adopts a plug-in hybrid system consisting of a 1.5T engine and a motor, with a comprehensive power of 272hp, and the transmission system is matched with a 6-speed dual-clutch gearbox.
● Golf Variant
Finally, let’s take a look at the travel version of the new Golf Variant, which uses the R-Line sports kit, and the aerodynamic kits on both sides of the lower surround bring a stronger sense of movement, and the rim is also a very dynamic two-color design. The side lines of the car are more slender, which increases practicality and is a little more stable and elegant than hatchback golf. The interior is consistent with the new model, and the power parameters are not specified separately. It is expected to share the power system with the ordinary golf. (Text/car home Yan Huan)