Experts, media and netizens have something to say when the new rules for online car rental are introduced.

  News background:

  On the afternoon of July 28th, the State Council issued the Guiding Opinions on Deepening Reform and Promoting the Healthy Development of Taxi Industry. The "Guidance Opinion" divides taxis into two categories: cruise taxis and reserved taxis. It is the first time that Internet cars are included in the management of reserved taxis, which clarifies the positioning of the taxi industry; At the same time, clarify the legal status of the network car, and support the continuous innovation and standardized development of the network car platform company; Encourage the transformation of traditional taxi companies to provide online car service.

  【Experts talk]

  Zhu Xi: "Network car" is the first in the world in China.

  "The promulgation of the Interim Measures has made China the first country in the world to officially recognize the legalization of Internet private cars." Zhu Wei, deputy director of Communication Law Research Center of China University of Political Science and Law and expert member of internet society of china Sharing Economic Work Committee, said: Great progress has been made.

  Zhu Wei said: "On a global scale, this is the first ‘ Internet plus & rsquo; It is a good law with epoch-making significance to share economic legislation and laws and regulations to correct the name. " He also specifically mentioned that the New Deal has brought "internet plus Travel" back to the market-oriented mode, such as the market-adjusted price of the network car fare; "Market reward and promotion" is a normal market behavior. Except for being bound by competition law and advertising law, there is no additional requirement, but it cannot disrupt the normal market order by operating at a price below cost. For another example, hitchhiking is a magic weapon to solve urban congestion and reduce the number of vehicles on the road in cities, and there are many mature cases in judicial practice at home and abroad. "The ride is essentially different from the commercial profit of the online car, so it is correct for the New Deal to exclude it." He said.

  Su Kui: The new rules of online car-sharing are a consensus reached in difficult trade-offs and games.

  How to balance the development of network car and fair competition is the most difficult part of the new regulations. How to standardize and not restrict the development of network car? How to develop online car rental and ensure a level playing field for online car rental and taxis.

  For example, 8-year scrapping is to consider that it is unfair to use the network car with less intensity if it is scrapped according to the rental operation for 8 years. It may also push a large number of online car drivers out of the platform.

  Another example is to define the nature of the platform as a transportation service, not an information matchmaker. This is the same as the taxi at a starting line, and the passengers feel the same. In case of safety problems, the platform, as a transportation service provider, needs to bear the responsibility.

  Whether it is the draft for comments issued last year or the new regulations that are finally difficult to introduce, the game and trade-off have always been the most difficult things. "The good news is that we have basically reached a relatively rational consensus." Su Kui said.  

  【Media discussion]

  Taxi and online car will be in their proper places.

  The Guiding Opinions made it clear that the original taxis and online car-rides will achieve "dislocation development" and give full play to their advantages, not only "sitting up" but also "sitting up", so that different travel needs of people at different levels can be met.

  It can be expected that with the implementation and effectiveness of the new policy of online car-sharing, the online car-sharing market will usher in another round of adjustment, the number of online car-sharing and employees will change, the market positioning of online car-sharing will be further revised, and the platform’s management of online car-sharing will also be strengthened. At the same time, bringing online car rental into the taxi industry, setting necessary thresholds, supporting reasonable tax and fee policies, and maintaining market fairness will also effectively promote the balanced development of different levels of taxi services and achieve a win-win situation among online car rental, platforms and consumers. 

  From "incompatible" to "in their proper place", online car-hailing and taxis contain the spirit of reform and innovation, which is representative and typical in the era of "internet plus". Broadly speaking, when we enter the Internet age, the new forms and new formats will pose "conflicts and threats" to traditional related industries, which itself contains the opportunities and challenges of "internet plus". Accelerating the pace of reform and innovation, advancing laws and regulations with the times, and advancing the rule of law in an all-round way are the key to solving problems, and are also the reliable guarantee and core driving force to better adapt to the Internet era.

  The New Deal of Online Car Rental is an example of dealing with the relationship between the market and the government.

  How to define and manage the network car has been tangled in China for several years, which vividly presents the landscape of the deep-water period of reform. In the meantime, the strategy of treating private cars as black cars in local actual management and the tight management signals revealed by relevant central ministries and commissions once made the development of this new format of online car-sharing pessimistic. Now, the promulgation of Guiding Opinions on Deepening Reform and Promoting the Healthy Development of Taxi Industry and Interim Measures for the Management of Online Booking Taxi Service clearly gives the online car a legal status, makes it clear that private cars can engage in online car operation, and requires reducing the taxi "money", which highlights the victory of the market, reaffirms the reform logic of "letting the market play a decisive role in resource allocation" and expresses the value direction of decentralization and sharing the economy.

  The new policy of network car is a model of opening the door legislation

  The formulation process of the new policy of network car is also a model of opening the door legislation. From the beginning of 2014, the online car platform launched a large-scale subsidy, and by 2015, the online car was promoted and operated nationwide, and then by the beginning of 2016, the multi-party game network car new deal. The introduction of a new policy will inevitably involve the interests of many parties. How to balance reform, stability and development has become a subject that policy makers must weigh. In the process of the introduction of the new policy of network car, not only the relevant ministries and commissions have repeatedly investigated, but also Shanghai, Yiwu and other places have actively explored, and various provinces and cities have fully discussed, and the network car platform and taxi companies have their own opinions. The final New Deal has basically become the greatest common denominator of the interests of all parties.

  The network car is just a representative of many new things, but the experience of network car governance has a wide range of demonstration significance. It is not advisable to build a car behind closed doors, and legislation should open the door. Regulators need more keen observation, more extensive research and more calm thinking, and emerging enterprises need more full expression, more careful development and more rational self-discipline. The practice of online car-sharing proves that the government and the market can realize clear boundaries and benign interaction, and both existing and emerging formats can also coordinate development and healthy metabolism.

  Legalization of the network car, good governance needs more good deeds.

  The formulation of documents is only the first step, and the next step is to do a good job in the industry and territorial rules and implement the reform. One of the highlights of this reform is that it is not necessary to "measure the whole country with one ruler". Metropolis has the practice of metropolis, and small counties have small counties. According to the principle of territorial management, all localities are given full autonomy. If the design reform needs the overall epistemological wisdom, then the implementation of the reform needs to reconcile Ding Ding’s methodological art.. The process of document formulation has been discussed by more than 10 departments and more than 100 meetings, taking into account the interests of all parties to the maximum extent. In implementing the reform, all parties should also be carefully deployed and coordinated. It is necessary to have a sense of urgency to get rid of indulging, boldly promote management innovation, and also to have a step-by-step methodology to firmly guard the bottom line of safety and stability. Reform depends not only on the original intention, but also on the effect test.

  【Netizen said]

  @ 軉枹: I haven’t taken a taxi for a long time. I use the internet to get a car. This is the result of market competition. I believe many people are like me. Everything must conform to the laws of the market.

  @ Li Ermao 46054: Making the best use of everything and people’s talents is a necessary condition for social development.

  @ 京京京京: Breaking the monopoly of taxi management and reasonable competition will definitely benefit the people.

  @ Xuanzi 23386: The purpose of the new regulations is to standardize the network car, ensure the rights and interests of passengers and the safety of riding, and also effectively guarantee the quality of service.

Stock dynamics of Haidilao on January 25th: recorded an increase of 2.57%, maintaining a volatile upward trend.

As of the close of January 25th, the share price of Haidilao (HK: 06862) closed at HK$ 13.56, with the lowest point of HK$ 12.96 and the highest point of HK$ 13.58. Hong Kong stocks generally rose, and the Hang Seng Index closed at 16,211.96.

According to Zhang Ying, general manager of Haidilao Community Operation Division, at present, Haidilao delivery has formed a business matrix including "Haidilao Happy Banquet", "Haidilao Hot Pot Delivery" and "Haidilao Hot Pot Dishes". Haidilao’s innovation in delivery business has changed the delivery of catering from a simple "product delivery" to a comprehensive experience of "product+service+scene delivery".

Haidilao brand was founded in 1994. After nearly 30 years of development, Haidilao International Holdings Co., Ltd. has grown into an internationally renowned catering enterprise. As of June 30, 2023, the total number of restaurants in Haidilao was 1382.

Haidilao has been tested by the market and customers for many years, and has successfully built a high-quality hot pot brand with high credibility and integrating the characteristics of hot pots from all over the world. As a large-scale chain catering enterprise whose business involves the whole world, Haidilao adheres to the concept of honest management, and takes improving the stability and safety of food quality as the prerequisite to provide consumers with more intimate services, healthier, safer, more nutritious and more assured food.

Disclaimer: The content of this article reprints enterprise information for this website, which only represents the author’s personal views and has nothing to do with this website. The contents involved do not constitute investment and consumption suggestions, and are for readers’ reference only. Please check the relevant contents yourself.

Original text transferred from: Xianning News Network
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How strong is the financial support for real estate? State-owned enterprises and private enterprises treat each other equally and support the reasonable extension of stock financing.

  According to a number of media reports, the People’s Bank of China and China Banking and Insurance Regulatory Commission recently jointly issued the Notice on Doing a Good Job in Financial Support for the Stable and Healthy Development of the Real Estate Market (hereinafter referred to as the Notice).

  On November 14th, The Paper verified from trust, insurance and other institutions that he had received the Notice.

  The "Notice" promulgated 16 financial measures to support the real estate market, involving financial institutions including commercial banks, policy banks, trust companies, insurance companies and financial asset management companies.

  State-owned and private housing enterprises are treated equally, and support the reasonable extension of stock financing such as development loans and trust loans.

  In order to keep real estate financing stable and orderly, the Notice proposes that, first, we should adhere to the principle of "two unwavering" and treat all kinds of real estate enterprises, such as state-owned and private enterprises, equally. Encourage financial institutions to focus on supporting the steady development of real estate enterprises with perfect governance, focus on their main businesses and good qualifications. Support the project sponsor bank and syndicated loan model, strengthen the management of the whole process of loan approval, issuance and recovery, and effectively ensure the safety of funds.

  The second is to support all localities to implement differentiated housing credit policies based on national policies, reasonably determine the down payment ratio of local individual housing loans and the lower limit of loan interest rate policies, and support rigid and improved housing demand.

  The third is to stabilize the credit supply of construction enterprises. Encourage financial institutions to optimize credit services for construction enterprises on the basis of controllable risks and sustainable business, provide necessary loan support, and maintain continuous and stable financing for construction enterprises.

  Fourth, support the reasonable extension of stock financing such as development loans and trust loans. For stock financing such as development loans and trust loans of real estate enterprises, under the premise of ensuring the security of creditor’s rights, financial institutions and real estate enterprises are encouraged to negotiate independently on the basis of commercial principles, and actively support them by extending the stock loans and adjusting repayment arrangements to promote the completion and delivery of projects. As of the date of issuance of this notice,Due in the next six months, it can be extended for one year beyond the original provisions, without adjusting the loan classification.The loan classification submitted to the credit information system is consistent with it.

  The fifth is to keep bond financing basically stable. Support high-quality real estate enterprises to issue bonds for financing. Promote professional credit enhancement institutions to provide credit enhancement support for the bond issuance of real estate enterprises with overall financial health and short-term difficulties. Encourage bond issuers and holders to communicate in advance and make arrangements for bond redemption funds. If it is indeed difficult to pay on schedule, reasonable arrangements such as extension and replacement shall be made through consultation to actively resolve risks. Support bond issuers to buy back bonds in domestic and foreign markets.

  The sixth is to maintain the financing stability of asset management products such as trusts.Encourage trust and other asset management products to support the reasonable financing needs of real estate.. Encourage financial institutions such as trust companies to speed up business transformation, support the reasonable financing needs of real estate enterprises and projects according to the principles of marketization and rule of law on the basis of strictly implementing the regulatory requirements for asset management products and doing a good job in risk prevention and control, and provide financial support for real estate enterprise project mergers and acquisitions, commercial pension real estate, rental housing construction, etc. according to laws and regulations.

  Actively do a good job in the financial services of "guaranteed delivery building" and support relevant banks to add supporting financing support.

  As for the financial services of Baojiaolou, the Notice proposes to support China Development Bank and Agricultural Development Bank to issue special loans of Baojiaolou to borrowers who have been reviewed and filed in compliance with the law, efficiently and orderly in accordance with relevant policy arrangements and requirements, with closed operation and special funds earmarked for supporting the accelerated construction and delivery of sold overdue residential projects.

  After the special loan support project clarifies the creditor’s rights and debts, the special loan and the new judicial guarantee for supporting financing, financial institutions, especially the main financing commercial bank of the project personal housing loan or its leading syndicates, are encouraged to follow the principles of marketization and rule of law.Provide new supporting financing support for special loan support projects.To promote the resolution of the risk of personal housing loans that have not been handed over.

  Actively cooperate with the risk disposal of trapped real estate enterprises and actively explore market-oriented support methods.

  "Notice" said that it is necessary to do a good job in financial support for real estate project mergers and acquisitions and actively explore market-oriented support methods. Encourage commercial banks to carry out M&A loan business for real estate projects in a steady and orderly manner, and focus on supporting high-quality real estate enterprises to merge and acquire troubled real estate enterprise projects. Encourage financial asset management companies and local asset management companies (hereinafter referred to as asset management companies) to give full play to their experience and ability in the disposal of non-performing assets and risk management, and consult with local governments, commercial banks, real estate enterprises, etc. on risk resolution models to promote the accelerated disposal of assets. Encourage asset management companies to cooperate with third-party institutions such as law firms and accounting firms to improve the efficiency of asset disposal. Support qualified commercial banks and financial asset management companies to issue real estate project M&A themed financial bonds.

  For some projects that have entered the judicial reorganization, financial institutions can help promote the project to return to work and deliver according to the principles of independent decision-making, self-risk and self-financing. Encourage asset management companies to participate in project disposal by acting as bankruptcy administrators and reorganizing investors. Support qualified financial institutions to steadily explore ways to solve the risks of trapped real estate enterprises in accordance with laws and regulations by setting up funds, and support the completion and delivery of projects.

  Protect the legitimate rights and interests of housing finance consumers and personal credit rights and interests according to law.

  The "Notice" emphasizes encouraging independent negotiation in accordance with the law to postpone the repayment of principal and interest, and effectively protecting the personal credit rights of deferred loans. Specifically, for individuals who are hospitalized or isolated due to the epidemic, or who have lost their sources of income due to the suspension of business and unemployment due to the epidemic, and personal housing loans that have been changed or cancelled due to the purchase contract, financial institutions can independently negotiate with the buyers according to the principles of marketization and rule of law, and make adjustments such as extension. All parties concerned must abide by the rules, abide by the contract and fulfill their commitments. In this process, financial institutions should do a good job in customer service, strengthen communication, protect the legitimate rights and interests of financial consumers according to law, and classify assets according to relevant regulations. Acts of malicious evasion of financial debts shall be dealt with according to laws and regulations to maintain a good market order.

  In terms of personal credit rights, if the repayment arrangement of personal housing loans has been adjusted, financial institutions shall submit credit records according to the new repayment arrangement; If it is determined by the judgment or ruling of the people’s court that it should be adjusted, the financial institution shall adjust the credit records according to the effective judgment or ruling of the people’s court, and adjust those that have been submitted. Financial institutions should properly handle relevant credit objections and protect the rights and interests of information subjects according to law.

  Adjust some financial management policies in stages to accelerate the marketization of real estate risks.

  According to the Notice,Extend the transition period arrangement of real estate loan concentration management policy and optimize the financing policy of real estate project M&A in stages.. For banking financial institutions that can’t meet the requirements of real estate loan concentration management as scheduled due to objective reasons such as epidemic situation, the People’s Bank of China, China Banking and Insurance Regulatory Commission or branches of the People’s Bank of China, and China Banking and Insurance Regulatory Commission dispatched offices will reasonably extend their transition period according to the relevant provisions on the management of real estate loan concentration, based on the actual situation and through objective evaluation.

  At the same time, relevant financial institutions should make good use of the staged real estate financial management policies that have been promulgated by the People’s Bank of China and China Banking and Insurance Regulatory Commission, which are applicable to major commercial banks and national financial asset management companies, and accelerate the market-oriented clearing of real estate risks.

  Increase financial support for housing leasing and broaden diversified financing channels in relevant markets.

  The "Notice" proposes to optimize housing rental credit services and broaden diversified financing channels in the housing rental market. Guide financial institutions to focus on increasing credit support for self-sustaining property-based housing leasing enterprises with independent legal person operation, clear business boundaries and real estate professional investment and management capabilities, rationally design loan terms, interest rates and repayment methods, and actively meet the medium and long-term capital needs of enterprises. Encourage financial institutions to provide financial support for various entities to purchase and rebuild real estate projects for housing leasing in accordance with the principles of marketization and rule of law. Loans issued by commercial banks to affordable rental housing projects that hold the confirmation of affordable housing rental projects are not included in the concentration management of real estate loans. Commercial real estate is transformed into affordable rental housing, and after obtaining the confirmation of affordable rental housing, the bank’s loan term and interest rate are applicable to the relevant policies of affordable rental loans.

  At the same time, support housing leasing enterprises to issue direct financing products such as credit bonds and guarantee bonds, which are specially used for the construction and operation of rental housing. Encourage commercial banks to issue financial bonds to support housing leasing, and raise funds to increase the development and construction loans and operating loans for housing leasing. Steadily promote the real estate investment trust funds (REITs) pilot.

Do you want to open ac in winter?

Whether it is necessary to turn on the refrigeration function (AC) of automobile air conditioner in winter is a common problem. First, we need to understand the definition of AC. AC is the refrigeration switch of the automobile air conditioner. After pressing this button, the compressor of the air conditioning system starts to work. However, it should be noted that the compressor of household car air conditioner can only realize the function of cooling or heating, but cannot take care of both functions at the same time. Therefore, when the temperature knob is raised, the AC compressor will only dehumidify without refrigeration. Automobile air conditioner is an air conditioning device installed on the automobile, which can cool, heat, ventilate and purify the air in the carriage, provide a comfortable riding environment, reduce the fatigue intensity of drivers and improve driving safety.

So, do you need to turn on AC in winter? The answer is yes. Although AC is used for refrigeration, when driving in winter, the temperature inside the car may be reduced because of the cold outside. At this time, turning on AC can help dehumidify, keep the humidity in the car appropriate, avoid fogging the glass and improve driving safety. In addition, turning on AC can also help the air circulation in the car, keep the air fresh and reduce the driver’s fatigue.

It is worth noting that when AC is turned on, attention should be paid to the adjustment of the temperature inside the car. Too low a temperature will make people feel cold, and too high a temperature will make people feel uncomfortable. Therefore, the air conditioning temperature should be adjusted according to the actual situation to achieve a comfortable effect. In addition, turning on AC will also increase fuel consumption. Therefore, if it is not needed, AC should be avoided as much as possible to save fuel.