The submission of this article was first published in April, 2021 of Retail Bank.moon

During the Spring Festival in 2021, what do you think has the greatest impact on finance?If you are a real banker, you will tell me "I don’t know". Because getting off to a good start is the most important period for the bank’s business development in one year, and it is also the period when the personnel are the most green and yellow. Serious bankers are busy grabbing business at a good start. They don’t even have time to grab business. Bankers who can only wait in line to ensure normal operation have no energy to pay attention to the society. Even on New Year’s Eve, they are still thinking about which relatives to get a credit card and which relatives to recommend funds for tomorrow’s New Year’s Eve. In the Spring Festival of 2021, it was not the Spring Festival Gala, in which the program was getting worse every year, nor Tik Tok, who robbed the right of red envelopes in the Spring Festival Gala, nor Hi, Mom, who moved countless people to shout "Me too". I want to say that the cover of WeChat red envelopes should have the deepest impact on finance.

Wechat red envelope coverIt seems to be a very simple thing, that is, adding a brand, beautiful and personalized cover to the red envelopes that we often send to each other on WeChat. This cover can be a picture or a video, which adds some fun to the originally monotonous red envelopes. The process of getting the cover of the red envelope is full of activities, participation, collection and attention, which makes users enjoy it and creates good opportunities for more brand businesses to spread. A few banks, having discovered the brand building opportunities brought by the cover of red envelopes, made a small test of water during the Spring Festival, creating a particularly lively New Year with as little face-to-face contact as possible. The e-commerce, retail and internet industries have a greater impact. Xiaomi, Louis Vuitton, Akiba PPT, Volkswagen and other brands have taken this opportunity to reshape their brand image and get in touch with customers. When the process of applying for a red envelope cover with a personal number was simplified, a higher upsurge was set off.

We say that a good start is a favorable opportunity for banks to redistribute a large amount of liquidity during the Spring Festival, and when many people are celebrating the Spring Festival in the same place this year, the cover of red envelopes has become a new means of redistributing liquidity. Today, let’s talk about how a red envelope covers the bank’s opening to the Internet, the impact a red envelope covers on WeChat, society, customers and enterprises like banks, and how to make good use of WeChat red envelopes to expand the bank’s business and brand influence.

First, understand the cover of WeChat red envelope

In order to prevent some bank friends from really getting off to a good start, they didn’t touch the cover of the WeChat red envelope. We have a simple understanding of the cover of WeChat red envelopes. Focus on understanding a red envelope game, what kind of development strategy and ambition is hidden behind WeChat.

1. The craze for red envelope covers

In fact, the craze for the cover of red envelopes is particularly easy to spread, because everyone gives out red envelopes during the Chinese New Year, but suddenly someone gives out red envelopes with different covers, which will soon attract others’ attention. then what After everyone grabbed the red envelope, the focus of WeChat chat naturally turned to how to get these personalized covers. It is also very simple to use, mainly divided into three steps:

(1) production

Enterprises or individuals apply for and make red envelope covers according to their own brand image. Note: This cover is not a normalized style template, but can be customized. What is this? This is the advertisement that enterprises can do. Isn’t our bank the favorite to do touch?

(2) Distribution

Red envelope covers can be distributed through many channels, and individual users who like them can find brand channels to collect them. When you send out your own red envelopes, choose the right cover among the many obtained red envelopes and send them out with the red envelopes. That is, the distribution of red envelopes has been completed, and publicity has been completed for enterprises.

(3) Experience

As an ordinary individual customer, when you see someone else’s red envelope, you can see the cover with personality style on it. After clicking, you can see the picture or video of the cover of the red envelope in addition to the amount of the red envelope. Excellent cover design will be sought after by many users.

2. The business logic behind it

Why does a simple red envelope cover attract everyone’s attention? Behind this lies a simple combination of understanding of human nature and business logic.

(1) Customer gradient

Many banks use financial assets to measure customer gradient, and many enterprises use consumption quotas to identify customer grades. Have you ever thought that this customer gradient is the level of customers you like, and through the cover of the red envelope, you can know what kind of customers like you, and you can distinguish the level that likes you. The simplest thing is that customers who like the cover when they see the red envelope are junior; Customers who are willing to search for the cover of red envelopes are intermediate; It is senior customers who are willing to participate in various activities of the brand and strive to get the cover of the red envelope. If you don’t like the brand, customers don’t have the initiative to get red envelopes, which can enhance the appeal of the brand and test the appeal of the brand.

(2) brand ownership

The role of brand building is to build a consensus, which can make customers automatically belong. On the cover of the WeChat red envelope, this automatic attribution will easily appear. For example, you sent a red envelope with the cover of "the glory of the king" in the group of "loving family", and then your three cousins and four cousins sent you "I didn’t expect you to be such a cousin, chatting privately." Reply, you quickly build a group of "brothers in battle, fathers take you to fly" and drag them into the group. You see, a red envelope covers all the the glory of the king children in the relatives.

(3) Achievements

The reason why red envelope covers are sought after is that they are rare. According to the rules of play, the red envelope covers issued by enterprises are charged, so the quantity must be limited. Maybe we can develop a function of "collecting envelopes" to collect red envelope covers in the future. A limited number of things will lead to rare looting and personalized people without me. In many fields, this limited edition thing is synonymous with achievements such as "senior", "professional" and "peak".

(4) Social fission

Understand the gameplay and understand the algorithm. The red envelope cover provides enterprises with a low-cost fission means of WeChat platform to realize the rapid expansion and transmission of brands. What do you have in mind? Yes, involution, if you don’t deliver, others will seize your market. So what is the fission effect from the perspective of cost? Let’s look at the following formula.

Fission algorithm: number of covers issued × number of people receiving red envelopes each time/cover production cost = fission efficiency.

Briefly explain:

Number of Covers Issued: it is the total number of red envelope covers issued by individual users after receiving them.

Number of people receiving red envelopes each time: it is the total number of people receiving red envelopes after a red envelope with a cover is sent out.

The multiplication of the above two is the total number of people affected by the cover of the red envelope.

The cover production cost includes: the total of design fee, production fee (star invitation, film shooting, post-processing, etc.) and red envelope cover application fee.

Fission efficiency: that is, the number of customers affected by each dollar spent on the cover of red envelopes.

3, the role of the bank

What benefits can our bank get from the cover of the red envelope? Can it break the fate of the bank "holding money without getting customers"? Don’t tell me yet, there may be.

(1) Expanding channels

The bank’s self-built online channels include Palm Bank, various apps, various WeChat official account, various applets and various video numbers. In most cases, these access channels need to have a front, that is, you have to have them before you can receive their publicity. The cover of WeChat red envelope is different. As long as a few customers have it, it can be quickly dispersed and spread, and it can attract these customers to the online channels of banks. Although he may not be a customer of your bank, he is already a channel user of your bank.

(2) Brand promotion

Most banks’ brands are not fresh, and they lack interaction and communication with customers. One-way publicity has become the biggest dilemma for bank brand expansion. In the red envelope cover, there can be not only pictures, but also videos. More importantly, in the process of obtaining the red envelope cover, more activities and interactions can be implanted, so that people can express their opinions after knowing and understanding the brand. This is the way to find "play".

(3) Customer activation

The entire banking industry has the largest customer base in China. It is reported that the total number of individual customers of major banks in China exceeds 4 billion, and the per capita population in China exceeds 2 bank accounts. Since 2015, the financial circle has been killing pigs in an endless stream, and the common people (603883, shares it) have reached the point of talking about financial discoloration after several years of "thinking on the top floor balcony". Factors such as reduced contact between banks and customers, weak demand for financial services, and decreased customer arrival rate at bank outlets have brought about an increase in the proportion of bank customers sleeping and a faster sleeping speed. The cover of the red envelope solves the dilemma of the bank for many years: how to realize the rapid serial number interaction without customers reaching the outlets? Even the cover of a red envelope can quickly activate a large number of sleeping customers with only a few customers at the beginning in the communication process. You can never wake up a customer who is pretending to sleep, but a red envelope can.

(4) Get customers

After empowering customers with communication functions, banks quickly realized the blurring of cultural boundaries. Cross-border communication of customers will bring customers with customers. In many activities of banks, we can combine the cover of red envelopes with offline New Year activities to turn channel "users" into "customers". If online account opening is not restricted by regulations, pure online customer acquisition can be realized.

Second, contact the cover of WeChat red envelope

Well, action is better than action. Whether you are an account manager struggling at the grassroots level or a product manager looking for a way of customer flow at the top, let’s take a look at how the cover of the red envelope is played.

1. Enterprise application

Banks can apply for a red envelope cover as an enterprise, and bank account managers can apply for a red envelope cover as an individual. The process is not complicated, but because the ingenuity is very different, the final effect will be different. At the very least, a good-looking cover will be robbed by more people.

Bank application, through the red envelope cover open platform (cover.weixin.qq.com). The process is very simple. When we introduce the process, we will also introduce some design points of the process:

(1) Qualification: Enterprises, governments, media and other organizations, and banks are one of them. Before registration, we have completed the enterprise certification of WeChat WeChat official account, or the certification of enterprise video number (open certification after 1000 powder).

(2) Cover customization: upload the prepared pictures, texts and video materials as required. Mainly includes:

Cover Style: The cover style mainly determines the styles of red envelopes in four states: one is the message bubble of red envelopes, which is the style of a line of message bubbles displayed when red envelopes are distributed in the chat window; The second is to open the red envelope page, which is the style of the red envelope with the word "grab" when the message bubble is clicked to grab the red envelope; The third is the details of the red envelope, which is the style of how much money everyone grabs after clicking the word "grab"; The fourth is the cover story page. After the details page is pulled down, the brand style on it will become bigger and enter the cover story page. These style pages naturally need to upload pictures, bank logo and other materials. The main points are good-looking design, brand characteristics and the needs that customers may pursue (such as stars, etc.).

Cover story: the cover story is the signal focus of the red envelope cover transmission. Just like after eating a box of chewing gum, I found a water margin 108 collection card hidden in the chewing gum box. You can use pictures and videos here, yes, you can have videos for up to 15 seconds, and you can also mix video pictures, allowing a total of five materials. When users watch, they can slide horizontally to turn pages.

Additional links: You can also attach links at the bottom of the cover story. This link can be WeChat official account, video number, applet and so on. When you receive a red envelope, read the story, and are interested in the bank, the cover and any product, you can see the link by pulling down and click to enter various channels of the bank for in-depth understanding. Think clearly about all aspects of drainage for you.

(3) Submit for review: When all customized contents are confirmed, they will be submitted to Tencent for review, and the review time is generally 1-3 days.

(4) Order payment: Just like finding a printing factory to print red envelopes for you, you set the style, then determine the quantity, and you can get the red envelope cover you want after payment. Try 10 pieces for free, and 1 yuan/piece after more than 10 pieces. Now do you know where the "cover production cost" is in the previous formula?

(5) Cover distribution: After placing the order, you can get the distribution method of the red envelope cover, generally there are three ways: QR code, serial number and receiving link. These three distribution methods, combined with diversified online channels and strange operational gameplay, can form countless fission methods. Are you still worried that you won’t get customers online? One way a week, half a year’s activities are not repeated.

2. Individual application

If you are an account manager and already have certain customer resources, then applying for a red envelope cover by yourself can enhance your stickiness to customers. Many account managers already have a good private traffic community, creating a personal design that customers like and recognize, so the red envelope cover will help you strengthen your personal brand. On the individual application, the procedure is simpler, which is slightly different from the enterprise application. Here, we only say the different parts:

(1) Apply for qualification: individual users with video numbers who have completed personal authentication. Note that it is not WeChat official account, but video numbers. Publish at least one video and get 10 likes. This is too easy.

(2) Different from enterprise application:

No need to review, just apply.

Only two models can be customized, and only 10 models can be issued each. You can only make an experience version.

Free, no money. You can’t give money if you want, because you won’t increase the quantity.

You can only get it through small programs.

For a personal brand of a bank, 20 red envelope covers are probably enough, but if it is a online celebrity, bilibili UP owner, anchor with goods, etc., it is probably not enough.

3, a few tips

(1) Catch early: Just like WeChat sending red envelopes, many people didn’t respond in the first year, and in the second year it became a customer habit for everyone. The threshold of red envelope cover is very low, which will become the normal state of brand building in the future, so catch early and enjoy early, and catch late without discount.

(2) Beautiful, cool and interesting: the cover of the red envelope should look good, and someone will grab it if it looks good; Personality is needed, and personality will be refreshing in this highly homogenized market; What if there is nothing? There are videos, which can be interesting, and cut into the interests of different customers.

(3) User’s standpoint: Remember the previous fission algorithm? If banks only care about their own brand promotion, they can increase the number of red envelope covers, and people will rob you if they like you. But don’t forget to consider from the user’s point of view, whether the person who grabs the red envelope will like it when he gives it, which is related to the bank’s remembering that the user uses your cover to help you promote it, and you have to be responsible for the user’s taste, otherwise he won’t send it out when he gets it. After all, he can get a variety of red envelope covers in the future.

(4) Less complete sets: Why do customers grab red envelopes? Because the amount of red envelopes is small, the number of people who get points is also small, and if you grab it slowly, it will be gone. Then why did you grab the cover of the red envelope? We’re going to make the red envelope cover less, and it’s also a complete set. You need one that can kill Virgo. If you cooperate with the activities of a super loyal customer, for example, if you collect 108, you will get a set of two "thin gold lettering" and "Ruihe map" of Song Huizong calligraphy and painting commemorative credit card on the cover of the red envelope. This will definitely become an explosion in the circle.

Third, the drainage of the red envelope cover

The cover of the red envelope is ready, so we can rush towards the customers like the stars and the sea. How to drain the red envelope has become the most interesting part. Combined with the offline ability of the bank, it will definitely make the year’s activities colorful.

1. Basic logic of drainage

When you start to talk about methods, you can speak quickly, listen well and forget everything. Therefore, you should talk about logic first, so that your friends in banks can have the ability to create their own drainage methods. Otherwise, the case will always eat what others spit out. So what is the basic logic of the drainage on the cover of WeChat red envelope? It is the following formula.

Scene+channel+function+play = drainage method

We have talked about two formulas today. What does this formula mean? It is where, what function, and how to play with customers that they will take the bait. Let’s take a look at what these four elements have in the cover of the red envelope.

(1) Scenes

The application of the red envelope cover includes two scenarios, one is when the user receives the red envelope cover, and the other is when the user uses the red envelope cover to send a red envelope. Therefore, the fission process we designed needs to consider the psychology and behavior of users at these two time points.

(2) Channels

There are many channels that can realize the fission of red envelope cover. From the logic that everything is a channel, almost everything that can be seen can be turned into a channel. Then for banks, it is mainly divided into online channels and offline channels.

Because the red envelope is online, there are many online channels, including: WeChat official account, video number, APPlet, circle of friends, WeChat group, live broadcast, own app and so on. Offline channels are mainly divided into traditional offline channels of banks, outlets, self-service equipment, employees, etc. And the channels of partners, that is, his outlets, self-service equipment, employees, etc.

(3) Function

The fission function is mainly reflected in the distribution of red envelope covers, which can be divided into two types: bank initiative and customer initiative. The functions of customers actively looking for the cover of red envelopes are mainly reflected in: QR code, serial number, receiving link, searching and so on. The main functions of the bank’s initiative to issue red envelope covers can be used: turning cards in the circle of friends, grouping red envelope eggs, blessing bags for auspicious words and so on.

(4) Play

The gameplay is mainly a method of interacting with customers, or it is designed to be evil. It can be said that the whole customer is a method. After all, things given away for nothing are too easy to get and won’t be cherished. These methods can be solved by technical means, regardless of online or offline, including: lottery, praise collection, attention, registration, sign-in, games, questions and answers, updating, binding ID cards and so on. How to do these details will not be introduced one by one, but will be mentioned in the following examples.

3. Drainage method

The logic is clear, and the tools are available, so that the past is available, and it is much easier to talk about methods, and to tell examples also knows what logic is in line with and what tools are used. We will not be limited to these cases, but also design our own methods according to various circumstances and opportunities. Let’s give some examples below.

(1) The applet registers for the lottery to get the cover.

Formula substitution: get cover+applet+QR code (or serial number)+registration (lottery, pull new)

Effect target: Drainage, innovation, collecting customer data, creating scarcity and improving taste.

adaptability: cover content suitable for high-end customers and high-end cultural themes.

method of workA bank and a national museum made cultural integration and produced a set of 9 Zhang Guobao series red envelope covers. Then the way to collect the cover of the red envelope can be to enter the small program of the bank or the National Museum, complete the account registration, and fill in the complete personal information, so as to obtain the qualification for a lucky draw and complete the lucky draw reservation. Every time you invite 3 friends to register, you can get an extra lucky draw. On the lucky draw day, WeChat official account issues serial numbers or QR codes to the winning customers to extract the red envelope cover.

(2) WeChat official account Drainage Plus Product Matrix won customers.

Formula substitution: Get the cover+WeChat official account+QR code (or serial number)+Laxin (follow WeChat official account)

Effect target: drainage, innovation, expansion of coverage, publicity of bad reviews

adaptability: banks suitable for broad-spectrum product promotion and popular positioning.

method of workA bank made nine high-quality products into a red envelope cover matrix, and pushed the red envelope cover poster through WeChat official account. Customers shared the red envelope cover poster with their friends, and three friends paid attention to WeChat official account, so they could get the red envelope cover. How nice it was, there was no need for a lottery, but only one of the nine models could be obtained. After that, you will be further prompted that you can continue to increase the attention of your friends and get other red envelope covers. There has always been a new one, 9×3=27, and the fission is 27 times.

(3) Video number to WeChat group

Formula substitution: Get cover+video number+red envelope egg or lucky bag (QR code or serial number)+WeChat group.

Effect target: Strengthen the division of channels and traffic, and turn public domain into private domain.

adaptabilityIt is suitable for individual account managers to share private domain traffic from the bank traffic pool and subsidize loyal customers.

method of workPrompt the customer by watching the video number, the bank sends out a red envelope cover, asking to pay attention to the video number, and privately sends the video number. The video number assistant will invite the user to enter the exclusive welfare group, and the account manager will obtain the QR code or serial number received by the red envelope cover through the welfare group to distribute red envelope eggs and lucky bags. This group can be a customer maintenance group established by the account manager at the beginning. After the video number is issued with a red envelope cover, in this way, more customers can be obtained from the bank’s large flow pool. Of course, it would be even more beautiful if the account manager’s personal video number can still get customers.

(4) star drainage plus product experience

Formula substitution: Get cover+video number (WeChat official account)+QR code (serial number) +APP task.

Effect target: channel migration, functional experience and user habit formation

adaptability: the expansion of functional apps such as pocket banking.

method of work: Launch a red envelope cover with celebrity endorsements, and then set up a continuous task interface in the APP that needs to be promoted (such as handheld banking). Then remind customers in the WeChat official account or video number that the way to get the cover of the red envelope is to download the APP and complete the daily task in the APP. Of course, this task is to familiarize customers with the use and develop basic user habits. Naturally, the simpler the better. Then, one week after the daily task is completed, the APP will automatically issue the serial number of the red envelope cover.

(5) The combination of online activities and offline activities

Formula substitution: issuing red envelopes+offline outlets (partners punch in)+QR code (serial number) +APP task.

Effect target: Strengthen customer life connection and realize traffic conversion with partners.

adaptability: form brand gathering and customer sharing when co-building offline brands with partners.

method of workA bank cooperates with a local coffee brand, and the bank and coffee brand distribute red envelopes in their respective customer groups, with the red envelope cover jointly built by the brand. A video link is left under the brand story of the red envelope cover to remind customers how to get the red envelope cover. Customers need to go to any outlet of the bank to punch in with the Palm Bank APP, and then go to any store of the cooperative coffee to punch in with the coffee APP. You can get a red envelope cover after two tasks are completed. If banks and partners add other offers or on-site activities at this time, it will make the site very active. You can also issue the red envelope cover at a fixed time. For example, when you hold a bank customer meeting in a coffee shop, you can complete the record with the APP task and get the red envelope cover from the account manager.

(6) Diversified combinations

Seeing the above cases, we can see that the red envelope cover can cover almost all our online and offline scenes, and the strong drainage ability will become a powerful means for us to enrich our activities. According to the structure of the formula, we can construct a variety of online and offline WeChat red envelope games that are popular with customers according to our own conditions. I also hope that fruitful friends can itemize your achievements through magazine readers or visit my WeChat official account.

4. Normalized red envelope cover

A friend said that we have missed the Spring Festival and made a good start. Is it still meaningful to cover this red envelope? Of course, because this will become an important publicity trend of every enterprise, brand and organization in the future, and this trend will bring the following effects.

(1) Festival normalization

The Spring Festival has passed, but it is only halfway through the first half of the year, and only a quarter of the whole year. There are still a lot of domestic and foreign festivals waiting for customers to give out red envelopes. Moreover, in various festivals in the future, the orientation will be stronger, the characteristics of customer gathering will be more obvious, and the publicity of red envelope covers can still play a huge role.

(2) Matrix cover

The festival is normalized, how to make the cover of the red envelope? According to the release plan of the red envelope cover, it is also integrated into the annual activities, which is the matrix with time clues as the core. Of course, we mentioned another kind of matrix earlier. Do you remember? Yes, it is the characteristic matrix, which can be a multi-product matrix: for example, a bank has nine theme outlets in different locations of the city, and customers can collect red envelope covers at different outlets as punch cards; For example, a bank is engaged in promoting cultural exchanges between China and Japan, taking the gold sacred clothes in the Saint as the cover of red envelopes and issuing one every month; The simplest, for example, a bank has 10 employees, and their photos are made into red envelope covers. Excellent employees are selected every month, and customers vote for employees. The employees elected that month can distribute red envelope covers to their voting customers. You see, in addition to distribution, there is also a collection effect. Scarcity makes the cover of red envelopes more valuable. It also makes the bank’s activities sustainable for a long time, and there are plans, which can be warmed up, fed back and resumed, and the better.

(3) Brand multi-contact

The essence of the cover of the red envelope is the secondary distribution of the national traffic of WeChat, and the secondary distribution is the distribution of the backflow valve through the contacts. For banks, this kind of contact can be combined with a variety of traffic, as mentioned in our previous examples, such as stars, games, live broadcasts, online celebrity, tourist spots and so on. It is also very good if banks can have their own flow contacts, such as Kun Kun (Zhang Kun) and Lan Lan (Glen) before the stock market crash.

Fourth, the trend of red envelope cover

In the near future, the cover of red envelopes will gradually change users’ habits, which will become an important brand promotion means and have a far-reaching impact on the business system with traffic as the core. This influence includes three parts:

1. Impact on WeChat

What wechat develops, naturally wechat benefits first. The cover of WeChat red envelope is a rare "unrestrained" product since WeChat became a national-level software, and even it is eager for quick success and instant benefit, and it has exposed a strong enterprising spirit in time, which can be described as killing four birds with one stone.

(1) Enterprise WeChat/WeChat official account

Many friends may not know that the red envelope cover function was launched on enterprise WeChat as early as January 2019, and the "emoticon red envelope" launched at the same time settled on WeChat, while the red envelope cover has been spinning around enterprise WeChat, with the goal of activating the customers of enterprise WeChat. It is used to mark competing products such as nails. When the scene positioning of office software such as Nail is different from that of WeChat, Nail is positioned as the anti-humanity software of employee management, while WeChat is positioned as the humanized software of customer experience. By putting the red envelope cover into the civil WeChat market, WeChat will counter the corporate WeChat and consolidate the corporate WeChat official account through a larger user group.

(2) WeChat video number

Since 2019, the more important competition is in the field of short video. Although WeChat launched a video number to compete with Tik Tok. However, the WeChat video number based on acquaintances’ socialization pays more attention to conveying professional and brand capabilities, while Tik Tok is more civilian and entertaining. There are great differences in the magnitude of users and the speed of communication, and more importantly, there are many fewer UP owners who create content. In the Spring Festival of 2021, through the cover of WeChat red envelope, a large number of personal video UP owners were activated, and efforts were made to make better progress in the field of video numbers.

(3) WeChat red envelope

Then it is to give a shot of stabilizer to the mobile payment market. There is no more stable market in the payment field than the WeChat red envelope, and the cover of the red envelope strengthens the original demand of customers and makes the experience of this original demand better. In the eyes of C-end customers, experience is still king.

(4) Traffic distribution

Friends who have read my previous book "Running an Online Mall, Getting Customers Online Like Pinduoduo" must know that Pinduoduo is engaged in e-commerce on the surface, and behind it is a "game-oriented traffic distribution" business. Today’s WeChat red envelope cover is the distributed realization of more than one billion users of WeChat. Compared with other distribution methods, this is already the best distribution method to experience. Therefore, all enterprises and banks grab traffic at different costs from this large traffic pool. The cover of a red envelope with a dollar is just a huge gain of low value, large quantity and long tail.

2. Impact on customers

For customers, the cover of red envelopes has gradually changed some behavioral needs and usage habits. This is not only beneficial to Tencent, but also very beneficial to the improvement of customer experience.

(1) Increment of red envelope play

The cover of the red envelope is an increment of the red envelope playing method, and it is a way to enhance the experience through more detailed sensory expression. After all, it used to be just sharing money, and the cover of the red envelope also shared beauty, happiness and hobbies.

(2) Scarce brand sense

The scarcity of red envelope covers has caused a good brand effect. Just like some people love to buy bags, some people love to buy "donkey brand" bags, and some people love to buy limited edition "donkey brand" bags, why is the price getting higher and higher with this progressive? Because it’s getting scarce.

(3) New social aggregation

What is brought under the brand is the automatic attribution of customers, which also helps customers form a new social gathering. Through red envelopes, The Infiltrator with common interests can be blown up in different groups, and acquaintances can socialize and enter a new track. I think this meaning is doubly important to Tencent and its customers.

3. Impact on banks

For our bank, it is very important. Apart from advertising and getting customers online, the most important things are two points:

(1) Online play

It has expanded the online gameplay of the banking industry and brought the online activity operation ability of the banking industry to the same level as that of Internet companies. Note that Tencent has given you a bottom line, and the peak is created by the wisdom of bankers, which cannot be saved at all.

(2) Return data

In the banking system, very little feedback is collected from customers, while the cover of red envelopes provides banks with more customer behavior data from another dimension. In this way, banks can learn more about what customers like me, what they like and why they like me.

Fifth, the final beginning

The cover of the red envelope is not everything. The traditional idea of "customers introduce doors and experience depends on the grassroots" is no longer suitable for the well-informed Internet environment. If we can get some dividends and gains from the operation of the red envelope cover, we still have to seriously consider the following issues:

1. Traffic entering the door is just the beginning.

It has been stated many times in Internet thinking that "customer purchase is not the end, but the beginning of service". As an "account" trading enterprise, banks should have a deeper understanding of this point. What is the purpose of getting customers? Is it all right to get a guest? Did you become a sleep client after you got the guest? Traffic entering the door is only the beginning of service. Compared with the return rate of 1‰ of customers lost through online channels on the Internet, banks can’t afford to lose in this competitive situation.

2, the head brand can accelerate the amplification.

The dividend period on the cover of red envelopes may wake up quickly, which is a typical dividend formula for fast fish eating slow fish. Once the head brands of all walks of life rise, then small-scale followers will be left behind, and they will enter the arduous blue ocean nude swimming stage. Therefore, from the bank’s point of view, whether small banks operate in a traditional way or find a unique blue ocean, they must quickly eat dividends, expand their scale and become head brands.

3. Getting customers becomes getting passengers.

Turn short-term, phased and customer-oriented customer acquisition into long-term, continuous and customer-oriented customer acquisition. The cover of the red envelope helps you to distinguish the types of customers, so banks should consider the preferences and service methods of these customers. And package this into a fixed package, which is called service productization, and finally become the brand radiation, and become the foundation for continuous customer acquisition.

4. Diversified operation and gameplay.

The more you go to the Internet, the more young people live in the world. The traditional "play" of banks is replaced by the "play" of red envelopes on the Internet. Clients want to play with you, not get hit by you. In the past, banks only hit customers, but now they give you ways to play with customers.

It is purely original. If you want to reprint it, please keep the article as it is.

This article was first published on WeChat WeChat official account: The Trace of Time. The content of the article belongs to the author’s personal opinion and does not represent Hexun.com’s position. Investors should operate accordingly, at their own risk.

　　A group of hound lovers in Sichuan met through the Internet and gathered in the "Wildlife Protection Station" network group in the name of protecting wild animals, but they have been carrying hounds and shotguns in Jiuzhaigou for a long time to round up and kill wild animals. Over the years, many endangered national key protected wildlife have fallen under their guns.

　　On April 21st, The Paper learned from the Forest Public Security Bureau of Jiuzhaigou County, Sichuan Province that the eight hound lovers had been arrested and brought to justice, and now they have been transferred to the procuratorate for examination and prosecution on the crimes of illegally hunting and killing precious and endangered wild animals, illegal hunting, illegal manufacturing of guns and illegal possession of guns.

　　According to the police investigation, in recent years, Xu Mouqiang, a villager from Balang Village, Yuwa Township, Jiuzhaigou County, went hunting in the mountains for 15 times alone or in partnership with others. Among them, many national second-class protected wild animals such as gazelle and red-bellied pheasant were hunted.

　　Wild animal samples found by the police from Xu Mouqiang’s home The pictures in this article are all provided by Jiuzhaigou County Forest Public Security Bureau.

　　16 pieces of wild animal meat were found in the freezer.

　　On December 17, 2019, the police of Yuwa Police Station of Jiuzhaigou County Forest Public Security Bureau in Sichuan Province received a report that Xu Mouqiang, a villager in Balang Village, Yuwa Township, illegally hunted wild animals. After receiving the police, Jiuzhaigou Forest Public Security Bureau immediately organized the police to investigate.

　　According to the police investigating the case, on December 18, 2019, the police searched Xu Mouqiang’s home according to law. During the search, 16 pieces of suspected wild animal meat were found in the freezer of his living room, and 1 piece of suspected wild animal fur, 1 suspected shotgun, 1 air nail gun and 3 knives were found at home. Suspected hunting bullets, shell casings, air bullets, steel balls, air nail bullets, 21 fast bullets and 3 knives.

　　The shotgun found in Xu Mouqiang’s home

　　On December 18, 2019, Xu Mouqiang took the initiative to go to the Jiuzhaigou County Forest Public Security Bureau for an inquiry. After the case, the suspect Xu Mouqiang truthfully confessed the illegal hunting of wild animals, the manufacture of guns and the illegal possession of guns. After investigation, in recent years, Xu Mouqiang hunted 15 times in the mountains by dogs, shooting, etc., killing 1 blue sheep, 4 mountain donkeys, 1 wild boar, 2 Sichuan pigs, 18 pheasants and 1 green deer.

　　Jiuzhaigou County Forest Public Security Bureau entrusted Sichuan Nanshan Forestry Judicial Appraisal Center on January 7, 2020 to identify the relationship between species and protection level samples of suspected wild animals involved in the case. The identification results show that among the suspected wild animals involved in the case, there are 2 mountain donkeys, 1 scientific name gazelle and 1 scientific name impala, which belong to the national second-class key protected wild animals. There are also 8 pheasants, including 2 blue pheasants, 3 spoon chickens and 3 red-bellied pheasants, which also belong to the national second-class key protected wild animals. In addition, three green deer and Sichuan pigs belong to three animals, that is, terrestrial wild animals protected by the state, which are beneficial or have important economic and scientific research value.

　　Poaching in a wild animal protection coat

　　According to the police handling the case of Jiuzhaigou Forest Public Security Bureau, The Paper was told that among the eight suspects involved, five were natives of Jiuzhaigou County, Aba Prefecture, one was a cattle dealer in Pingwu County, Mianyang, and the other two were Meishan people who lived in Chengdu for a long time and mainly engaged in the pet dog business.

　　Because of their common interest in training hounds, these eight people established a WeChat group of "Wildlife Protection Station" through Aauto Quicker and other networks. It’s called wildlife protection, and in fact, they all communicate and plan to kill wild animals.

　　The Paper noticed that the police also found a banner in Xu Mouqiang’s home, which read: Give it to the hound team of the mountain dog brothers, "Together Brothers, good faith service" was given to the flag bearer and the hunter was Zhou Mouquan.

　　The hound team received a banner.

　　According to the police investigating the case, these people also trained hunting dogs to sell, which was a pennant given by a person who bought hunting dogs. Because of their common hobbies, they often struggle to hunt together.

　　According to the investigation by the police, Xu Mouqiang went hunting 15 times in the mountains alone or in partnership with others in violation of the wildlife protection laws and regulations. Most of the hunting places were in Balang Village where he was located, and 12 of them took hunting dogs to participate in the round-up.

　　Among the three guns seized by the police from Xu Mouqiang’s home, the single-barrel shotgun was borrowed from Yang Decheng, the air gun was borrowed from Yang Shiming, and the nail gun was modified from the nail shooter and seamless steel pipe he bought online.

　　At present, the case has been transferred to the People’s Procuratorate of Jiuzhaigou County for prosecution, and 8 suspects involved in the crime of illegal hunting and killing precious and endangered wild animals, illegal hunting, illegal manufacturing of guns and illegal possession of guns.

　　Jiuzhaigou forest police searched for guns abandoned by escaped hunters in the river (not in this case)

　　　　　　 CCTV News:Israel local time today (March 2) morning, that is, Beijing time today (March 2) afternoon, Israel’s 23rd parliamentary elections began to vote. At present, 29 political parties and coalitions of political parties have decided to stand for election. According to the latest polls, the Likud Party, the largest right-wing conservative party in Israel led by the current Prime Minister Benjamin Netanyahu, and the Blue and White Party, the middle party, rank high and have equal strength.

　　　　　　 This election is the first time that Israel has held a general election for the third time in less than a year. In April and September 2019, Israel held the 21st and 22nd parliamentary elections. After two sessions of parliament, they were dissolved because of the failure to form a cabinet.

　　　　　　 Israel is a parliamentary country, with a total of 120 seats in the parliament, and political parties with more than half of the seats can form a separate cabinet. However, due to the proliferation of small and medium-sized parties, there has never been a single party forming a cabinet in Israeli history.

source map

　　　　　　 [News Background] It is difficult to form a cabinet. Israel has held three general elections in less than a year.

　　　　　　 Due to the serious differences between parties and the difficulty in reconciling interests, Israel has been deadlocked in forming a cabinet after the first two general elections, and the new government has always been "difficult to produce", which has also led to the "strange phenomenon" of Israel holding three general elections in less than one year for the first time in history.

　　　　　　 On April 9 last year, Israel held the 21st parliamentary election. Although Netanyahu, the leader of Likud Group and the current Prime Minister, obtained the right to form a cabinet, he failed to successfully form a ruling Coalition within the prescribed time limit. The reason is that the right-wing party "Israel is our homeland" led by former Israeli Defense Minister Lieberman is difficult to balance the interests of several other religious parties, which led to the "abortion" of forming a cabinet and forced the parliament to dissolve and hold another general election.

　　　　　　 After the 22nd parliamentary election held on September 17th last year, Israeli President rivlin authorized Netanyahu and the leader of the "Blue and White Party" Ganz to form a cabinet, but their efforts to form a cabinet still ended in failure because of the great differences between the parties. Lieberman called for the formation of a "broad and free coalition government" composed of Likud Group, Blue White Party and Israel is our homeland. However, the negotiations among Netanyahu, Ganz and Lieberman failed to reach an agreement.

　　　　　　 Compared with the previous two general elections, the third general election to be voted today has added several uncertainties.

　　　　　　 First of all, on January 28th, the United States announced the so-called "New Middle East Peace Plan" to promote the settlement of the Palestinian-Israeli issue, which was explicitly rejected by the Palestinian side, and the tension between Palestine and Israel escalated again. And about half of Israelis believe that this move of the United States aims to intervene in Israeli elections and help Netanyahu win — — But not long ago, Netanyahu, suspected of corruption, was formally charged, and the case will be heard on the 17th of this month, half a month after the general election, which is very likely to affect voters’ voting intention.

　　　　　　 At the same time, there have been some changes in the position of Netanyahu’s main rival Ganz — — Although "refusing to face trial with Netanyahu ‘ Take turns to govern ’ " His position has not changed, but Ganz turned to oppose the "Joint List" party of the Arab political party alliance to join the Coalition government and supported the so-called "New Middle East Peace Plan" of the United States, which may make the "Blue and White Party" lose some votes of the center-left voters.

　　　　　　 [News Watch] I am afraid that the deadlock in the formation of the cabinet is still difficult to break.

　　　　　　 At present, analysts are generally worried that after the end of the third general election in less than a year, Israel may still face a "tug-of-war" to form a cabinet, which will lead to the deadlock of forming a cabinet again.

　　　　　　 Many polls before the election showed that Likud Group and Blue and White Party are still evenly matched, and both sides may win about 33 seats, with a difference of at most two seats — — The third general election may still be difficult to change the political deadlock after the previous two general elections.

　　　　　　 In the previous two general elections, the Likud Party and the Blue-White Party tried their best to win over their allies, but they failed to win at least 61 of the 120 parliamentary seats needed to form a cabinet. It can be seen that after the third general election, the two parties still need to win over the "Israel is our home" party led by Lieberman. However, it is still very difficult for both Netanyahu and Ganz to pull Lieberman into their respective camps.

　　　　　　 As domestic analysts in Israel have said, "it is hard to see substantial changes in the Israeli political situation after the third general election", and the dystocia of the new government will directly affect the deliberation of Israel’s national budget and the introduction of important decisions. Israel’s political system is facing a serious crisis, and some people even have to silently accept the possibility of holding the fourth general election next — — If we want to break the deadlock in the formation of the cabinet, we must make a decisive compromise between the various parties.

If you want to buy a car, it is estimated that you are also struggling to buy what products are best for you. The richness of the configuration is closely linked to the cost performance of a car, and many people have mentioned it. As for the outstanding performance of the car, please read it together.

Let’s look at the appearance of Star Era ET first. The front of Star Era ET looks very sharp and sporty. Then it adopts a deep headlight design, which improves its level. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, delayed closing and so on. Coming to the side of the car body, the size of the car body is 4955 mm * 1975 mm * 1698 mm. The car adopts fashionable and atmospheric lines, which gives people a very eye-catching feeling. With large-sized thick-walled tires, it looks full of sports. In the design of the rear end, the rear end looks more fashionable and generous, and the taillights are very fashionable, very fashionable and concise.

When you get into the car, the overall visual effect of Star Era ET interior is very distinctive, and the visual effect is quite unique. The steering wheel of the car is well designed, equipped with electric up and down+front and rear adjustment, steering wheel memory, steering wheel heating and other functions, giving people an impulse to control it. Take a look at the central control. The design of the center console is reasonable, which makes the interior style impressive and conforms to the temperament of the car. Let Xiaobian introduce the dashboard and seats. The dashboard design is remarkable and very eye-catching. The car uses leather seats, equipped with auxiliary seat with memory electric adjustment, seat with memory electric adjustment, seat proportion down and other functions, and the overall comfort and wrapping are not bad.

Xing Ji Yuan ET matched gearbox, 413KW, 691N.m, with good power performance.

The car is equipped with car networking, driving mode selection, remote control key, Bluetooth key, NFC/RFID key, UWB digital key, rear wiper, interior atmosphere light and other configurations, and the configuration has reached the mainstream level of the same level.

Summary: The car introduced today is remarkable in terms of space, configuration and power, and home travel is also a good helper.

[car home Nantong Preferential Promotion Channel] Recently, a substantial price reduction is being carried out in Nantong, with the highest preferential amount reaching 28,000 yuan and the lowest starting price reduced to 74,900 yuan, which has brought unprecedented opportunities for consumers to buy cars. If you are interested in Roewe RX5, please click "Check the car price" in the quotation form to get a higher discount.

Roewe RX5 adopts a stable front face design, and the air intake grille is decorated with a large area of chrome, showing a sense of luxury and strength. Overall style, Roewe RX5 has smooth lines and full body contour, showing a unique sense of sports and fashion.

Roewe RX5 has a body size of 4655*1890*1664 mm and a wheelbase of 2765 mm, creating a spacious and comfortable interior space. The body lines are smooth, and the waistline extending from the front of the car to the rear of the car outlines a dynamic outline. The front and rear wheel tracks are 1590 mm and 1584 mm respectively, ensuring stability and handling. Equipped with 18-inch rims, tyre size is 215/60 R18, which highlights the sports style.

The interior design of Roewe RX5 is mainly simple and atmospheric, and the layout of the center console is reasonable. With the 12.3-inch central control screen, it is full of science and technology. The steering wheel is made of leather, which feels comfortable and supports manual adjustment up and down and back and forth. The car is equipped with advanced speech recognition control system, which can easily control multimedia system, navigation, telephone, air conditioning and skylight. The seat is made of imitation leather. The main seat supports front and rear adjustment, backrest adjustment and height adjustment (2-way), while the auxiliary seat supports front and rear adjustment and backrest adjustment. The rear seat can be tilted in proportion to meet different use requirements. The car is also equipped with multiple USB and Type-C interfaces to facilitate passengers to charge electronic devices.

Roewe RX5 is equipped with a 1.5T turbocharged engine with a maximum power of 138kW and a peak torque of 300N·m, providing strong power output. The engine adopts a four-cylinder layout and cooperates with a 7-speed wet dual-clutch gearbox to ensure efficient and smooth power transmission and bring excellent driving experience to drivers.

He spoke highly of the appearance of Roewe RX5. He originally planned to choose velvet silver, but finally chose Yunjin grey. Family and friends all praised the gray as young and dynamic. @ Haina Baichuan 36D said that the streamlined design of the front face and the side of the car body met his aesthetic standards.

In the [Easy Car Nanning Local Car Market Promotion Channel], we sorted out the ongoing
Preferential activities. As a car that has attracted much attention, the discount rate of MG5 Scorpio is still very amazing. The highest discount rate can even reach 18,000, and the lowest starting price is only 84,900. You can win a larger discount rate by clicking the "Inquiry" button in the quotation form. If you are looking for a practical and affordable car, you may wish to learn about the discount of MG5 Scorpio.

First of all, from the appearance, the front shape of MG5 Scorpio looks very fashionable and sporty, and looks very simple. Coupled with the hard-core headlights, the overall look is full of domineering and stylish. The car is equipped with LED daytime running lights, headlight height adjustment, automatic opening and closing, adaptive far and near light, delayed closing and so on. Coming to the car side, the car body size is 4695 mm * 1842 mm * 1480 mm. The car adopts simple lines, giving people a very dynamic and lively feeling. With large-sized thick-walled tires, smooth lines run through the whole car side. In terms of the rear end, the overall shape of the rear end echoes the front face, and the taillights look very individual and neat.

Sitting in the car, the interior design is more spiritual and the visual effect is very good. The car looks very good outside the steering wheel, and it is made of leather, which makes people love it. Let’s take a look at the central control. The car is equipped with a cold touch-control LCD central control screen, which makes the interior style impressive and fits the temperament of the car. The dashboard and seats give people a good feeling. Let’s take a look. The dashboard of this car presents a simple design style and the display effect is excellent. The car uses leather seats, which are wrapped in place and feel soft and comfortable as a whole.

The MG5 Scorpio is matched with a wet dual clutch (DCT) gearbox, with a maximum power of 133KW and a maximum torque of 285N.m, and the power performance is good.

The MG5 Scorpio is a very beautiful model, and its streamlined design and unique shape make people recognize it at a glance. In terms of energy consumption, the performance of the car is also very satisfactory, which can not only meet the needs of daily travel, but also effectively reduce the fuel cost. In addition, the overall space performance of the car is also excellent, both the front and rear rows and the storage space are very spacious and comfortable, which brings excellent riding experience to the drivers and passengers. Generally speaking, if you are looking for a model with fashionable appearance, low energy consumption and large space, then the MG5 Scorpio is definitely worth your consideration.

[car home Lhasa Preferential Promotion Channel] In order to give back to the support and love of the majority of riders, a large-scale preferential activity is being carried out in the Lhasa market. During this promotion, you can enjoy a maximum discount of 15,000 yuan, and the minimum starting price is only 103,900 yuan. If you are interested in this car, please click "Check the price of the car" in the quotation form to get a higher discount.

Qichen V DD-i super hybrid design is simple and powerful. The front face adopts unique family-style design elements, and the air intake grille is decorated with a large area of chrome, which perfectly blends with the headlights to enhance the visual impact of the whole vehicle. The overall style tends to be younger, the lines are smooth, and the body contour is full, showing a dynamic appearance.

The length, width and height of Qichen V DD-i super hybrid are 4607*1917*1624 mm, the wheelbase is 2700 mm, and the front and rear wheel tracks are 1640 mm respectively. Its side lines are smooth and dynamic. With 19-inch rims, the tyre size is 235/55 R19. The rim style is fashionable and dynamic, adding a touch of bright color to the whole car.

The super-hybrid interior design of Qichen V DD-i takes technology and comfort as the theme, bringing a pleasant driving experience to drivers and passengers. The center console is equipped with a 12.3-inch high-definition touch screen, which supports voice recognition control system, making the operation more convenient. The steering wheel is made of high-grade leather material and has the function of manual adjustment up and down and back and forth, ensuring that every driver can find the most comfortable grip position. In addition, the front row is also equipped with a mobile phone wireless charging function, which is convenient for users to charge their mobile phones while driving. In terms of seats, the car is made of imitation leather. The main seat has the functions of front and rear adjustment, backrest adjustment and height adjustment, and the auxiliary seat also has the functions of front and rear adjustment and backrest adjustment, making the ride experience more comfortable. The rear seats support proportional tilting, providing flexible storage space.

Qichen V DD-i Super Hybrid Edition is equipped with a 1.5T L4 engine with a maximum power of 120kW and a peak torque of 230N·m, which is matched with the E-CVT continuously variable transmission, providing drivers with a smooth and powerful power experience.

The owner of car home said: "The engine of Qichen V DDI is one of the top ten engines in China, and many cars of Dongfeng Group are in use. Qichen V DDI is quite wide, with a width of 1.9 meters, so it is very comfortable to ride in the back row, and its appearance will be more atmospheric. The car is very flexible to drive, and the throttle response is also very sensitive. When it starts, the power is very fierce. Even if it is accelerated in the middle and late stages, it can still be felt and obvious. It can be said that it is very close to the driving mode of a pure tram. It can run more than 1,000 kilometers with full oil and electricity. When the power is insufficient, it can also be charged in the feed mode, that is, kinetic energy recovery. This is a very good and practical design for many new energy vehicles. "

[car home Hohhot Preferential Promotion Channel] Recently, a wave of promotional activities was ushered in the Hohhot market, with the highest preferential margin reaching 15,000 yuan. At present, the minimum starting price of the car has dropped to 81,900 yuan. Interested friends may wish to click the "Check the car price" button in the quotation form to get a higher discount.

Changan Auchan X7 PLUS adopts an integrated front face design, and the front grille adopts a polygonal design with chrome trim, which makes the whole front look more visually impactful. In addition, the headlights on both sides of the front of the car are connected with the air intake grille, forming an integrated visual effect, which makes the whole front face look more fashionable and sporty. In terms of overall style, Changan Auchan X7 PLUS adopts a simple and elegant design style, with smooth and natural body lines and coordinated body proportions, which makes people feel its unique charm at a glance.

Changan Auchan X7 PLUS has a body size of 4730*1870*1720mm and a wheelbase of 2786mm. The spacious body space provides a comfortable ride experience for drivers and passengers. Its side lines are smooth and dynamic, with 19-inch rims, showing a strong sporty atmosphere. The front and rear tyre size are both 225/55 R19, and large-size tires are adopted, which not only improves the handling performance of the vehicle, but also gives the vehicle a more fashionable and dynamic appearance.

Changan Auchan X7 PLUS’s interior style is simple and fashionable, focusing on comfort and practicality. Although the central control screen is only 7 inches, its layout is reasonable and easy to operate, which can meet the basic entertainment and navigation needs. The steering wheel is made of plastic. Although it is not as advanced as leather, it has a comfortable grip and supports manual adjustment up and down, which is convenient for drivers to adjust their driving posture according to their personal needs. There are three USB ports in the front row and a Type-C port in the back row, which is convenient for passengers to charge electronic devices. The seats are made of imitation leather. The main driver’s seat has the functions of adjusting the back and back, and the height (2-way). The co-pilot’s seat can be adjusted back and forth. The second row of seats supports the adjustment of the back, and the rear seats can be laid down in proportion, which increases the storage space of the trunk. These configurations work together to create a comfortable and practical driving environment.

Changan Auchan X7 PLUS is equipped with a 1.5t L4 engine with 170 horsepower, with a maximum power of 125kW and a maximum torque of 260 N m.. Matching it is a 6-speed manual gearbox, which provides the driver with excellent power performance and handling experience.

The owner of car home praised the appearance of Changan Auchan X7 PLUS. He said: "The appearance of the car is very handsome. I think the appearance is very atmospheric. Our family bought red."

[car home Guangzhou Preferential Promotion Channel] Recently, consumers in Guangzhou are blessed, because they are enjoying a maximum discount of 40,000 yuan, and the minimum starting price has dropped to 112,800 yuan, which is quite impressive. If you also want to buy this car, you may wish to click the "Check the car price" button in the quotation form to get higher discounts and make your car purchase trip more relaxed and enjoyable.

The front face design of Toyota C-HR adopts a unique inverted trapezoidal air intake grille with sharp LED headlights to create a dynamic visual effect. The body lines are smooth and muscular, showing a fashionable and dynamic style as a whole, showing its unique personality and charm.

The body size of Toyota C-HR is 4390 * 1795 * 1565mm, the wheelbase is 2640mm, and the front and rear tracks are 1550mm. Its side lines are smooth and dynamic, with 17-inch rims, and tyre size is 215/60 R17, showing a fashionable and energetic style.

The interior design of Toyota C-HR is simple and fashionable, and the center console adopts a 10.25-inch touch screen, which brings convenient operation experience to drivers. The steering wheel is made of plastic, but it supports manual adjustment up and down and back and forth, which is ergonomic. The seat is made of fabric, the main driver’s seat can be adjusted in front and back, backrest and height, the assistant driver’s seat can also be adjusted in front and back, and the rear seat supports proportional reclining. In addition, the car is equipped with USB and AUX multimedia/charging interfaces, and a USB/Type-C interface is provided in the front row to meet the daily charging needs.

Toyota C-HR is equipped with an L4 engine with a displacement of 2.0L, which can output a maximum power of 171 HP and a maximum torque of 205 N m.. This engine with CVT continuously variable transmission can provide a smooth and efficient driving experience for the vehicle.

In his experience, he said that the acceleration of Toyota C-HR is average, but because it is still in the running-in period, its performance has not been fully exerted. He mentioned that the vehicle may perform better in sports mode, but it has not been actually experienced yet. This shows that although there is still room for improvement in the current acceleration performance, with the end of the running-in period, the performance potential of Toyota C-HR is worth looking forward to.

　　On Monday, local time, US stocks continued to rise, and the three major indexes collectively closed up. The Dow was six consecutive years, and the S&P and Nasdaq once again set a 15-month high. Technology stocks performed well, with Apple and NVIDIA hitting record closing highs, while Tesla rose more than 3%.

　　In the news, US Treasury Secretary Yellen said on Monday that the US labor market and inflation data made her optimistic about the prospects. "I don’t expect a recession, and we are on the road to reducing inflation." This has boosted the market’s confidence in the economic prospects of the United States to some extent.

　　In addition, the Goldman Sachs research report pointed out that in view of the good performance of the recently released US economic activity and inflation data, the possibility of the US economy avoiding recession in the next 12 months has increased. Therefore, Goldman Sachs lowered its forecast for the possibility that the United States will begin to fall into recession in the next 12 months, from 25% to 20%. In addition, although the Federal Reserve is expected to raise the benchmark interest rate again next week, it may be the last in a series of interest rate hikes that began last year.

　　It is worth noting that the Q2 earnings season of US stocks officially begins, and the market will face a test in the next few days. Whether the previous rise is a continuation of the strength of US stocks or investors rushing to run, corporate earnings reports will give an answer.

　　In terms of individual stock news, Microsoft welcomed the new progress in the acquisition of Activision Blizzard. The British Anti-monopoly Court of Appeal ruled that the trial of Microsoft’s appeal against the ban on Microsoft’s acquisition by the British regulators was suspended, arguing that the case could be postponed "conditionally", paving the way for Microsoft and Blizzard to find an alternative to the veto by the regulators. This means that the last "roadblock" of British regulators is no longer enough to pose a threat to the transaction.

　　However, a person familiar with the matter said that although the transaction is likely to be reached, the completion time of the transaction may be later than the original deadline this Tuesday.

　　Buffett’s Berkshire Hathaway disclosed on Monday that it significantly reduced its holdings of Activision Blizzard in the second quarter, and its position fell to about 14.7 million shares, a decrease of 70.2% from the 49.4 million shares held at the end of the first quarter. Berkshire’s shareholding ratio has shrunk sharply from 6.3% at the end of the first quarter of this year to 1.9%.

　　In terms of energy, crude oil soared due to the news that Saudi Arabia "extended its voluntary production reduction to the end of December 2024". WTI crude oil once rose to $76/barrel, and Brent crude oil once returned to the $80/barrel mark. Later, it retreated all the gains announced by this false news. WTI crude oil closed down 1.53% to $74.08/barrel, while Brent crude oil closed down 1.47% to $78.

　　[overnight U.S. stocks]

　　Among the large-scale Chinese stocks, Alibaba fell by 1.20%, Baidu rose by 0.30%, Netease rose by 0.84%, Tencent Music fell by 2.83% and Pinduoduo fell by 0.49%.

　　Among the large American technology stocks, Apple rose 1.73%, Amazon fell 0.83%, Google A fell 0.61%, and Nye soared 1.84%.

　　[global index]

　　In the European stock market, the FTSE 100 index in Britain fell slightly by 0.38% to 7406 points. The French CAC40 index fell 1.12% to 7292 points. Germany DAX index fell slightly by 0.23% to 16,069 points.

　　[global goods]

　　The main contract of WTI crude oil closed at $74.11 per barrel, down 1.74%; The main contract of Brent crude oil closed at $78.56 per barrel, down 1.64%; The main contract of crude oil in the previous period closed at 573.10 yuan per barrel overnight, down 0.83%.

　　Overnight, the Shanghai gold main contract closed up 0.22% to 455.70 yuan per gram; The main contract of Shanghai Bank closed down 0.12% to 5809.00 yuan per kilogram.

　　[overnight news]

　　"Saudi Arabia will extend its voluntary production reduction measures until the end of 2024"? Oolong news makes oil prices "jump up and down"

　　On the evening of July 17th, a news that "Saudi Ministry of Energy said it would extend the voluntary production reduction measures to the end of 2024" triggered a huge earthquake in the crude oil market. Both American oil and oil distribution rose by over 2%, and European energy stocks followed suit. However, news came out soon, and the media withdrew this report, calling it the old news on June 4. Brent crude oil and WTI crude oil retreated all their gains within 25 minutes, dropping about $1.5 per barrel. The long-short game of crude oil at the $80 mark is fierce.

　　US Treasury Secretary Yellen: The US economy will not decline and is on a "good track" to reduce inflation.

　　US Treasury Secretary Yellen said on Monday that the growth of the United States has slowed down, but the domestic labor market is still quite strong. She predicted that there would be no recession in the United States. Yellen said that she believes that the United States is on a "good track" to reduce inflation, and the labor market will not be significantly weak. Some commentators believe that Yellen’s statement is also the driving force behind the rise of US stocks on Monday.

　　The black sea food agreement is completely history? Russia says it no longer plans to negotiate.

　　Russia’s deputy representative to the United Nations said that the decision to terminate the agreement on the export of agricultural products at the Black Sea port was final, and no more negotiations were planned. On the same day, the Russian Foreign Ministry issued a statement on the agreement on the export of agricultural products at the Black Sea port, saying that the agreement will be suspended from July 18. The Russian Foreign Ministry pointed out that Russia opposes the extension of the agreement on the export of agricultural products at the Black Sea port, and officially informed Turkey, Ukraine and the United Nations Secretariat of the decision on the 17th.

　　Affected by this news, American wheat futures surged back, jumping over 4% and then turning down.

　　The new york Fed’s manufacturing index fell in July, but inflation cooled further.

　　The manufacturing index released by the Federal Reserve Bank of new york in July dropped to 1.1% from 6.6 in June, indicating that the manufacturing growth in the state has almost stopped, and economists expect it to drop to zero. Among the sub-indices, the price payment index dropped from 22 in June to 16.7, which is a sign that inflationary pressure has further cooled down.

　　[company news]

　　Microsoft’s acquisition of Activision Blizzard went further, but the deal may be postponed. Buffett reduced his shareholding in Blizzard by 70% in the second quarter.

　　Microsoft welcomed the new progress in the acquisition of Activision Blizzard, and the British Anti-monopoly Court of Appeal ruled that the trial of Microsoft’s appeal against the ban on Microsoft’s acquisition by the British regulators was suspended, arguing that the case could be postponed "conditionally", paving the way for Microsoft and Blizzard to find an alternative to the veto by the regulators. This means that the last "roadblock" of British regulators is no longer enough to pose a threat to the transaction.

　　However, a person familiar with the matter said that although the transaction is likely to be reached, the completion time of the transaction may be later than the original deadline this Tuesday.

　　Buffett’s Berkshire Hathaway disclosed on Monday that it significantly reduced its holdings of Activision Blizzard in the second quarter, and its position fell to about 14.7 million shares, a decrease of 70.2% from the 49.4 million shares held at the end of the first quarter. Berkshire’s shareholding ratio has shrunk sharply from 6.3% at the end of the first quarter of this year to 1.9%.

　　Tencent’s largest shareholder: It is estimated that the shareholding ratio will drop to around 24%-25% by the end of the year.

　　Prosus, the largest shareholder of Tencent Holdings and the Dutch subsidiary of South Africa’s Naspers Group, said that the proportion of its Tencent shares will be reduced by 2 to 3 percentage points every year, and it will drop to around 24%-25% by the end of this year. Naspers bought a third of Tencent’s shares for $34 million in 2001. In June last year, Prosus announced that it would slowly sell its Tencent shares to provide funds for stock repurchase.

　　Lilly announces complete report on new drugs for Alzheimer’s disease.

　　Lilly, a pharmaceutical giant, announced in official website on Monday that the latest complete results of phase III clinical trial TRAILBLAZER-ALZ 2 showed that donanemab developed by the company could significantly slow down the cognitive and functional decline of patients with early Alzheimer’s disease (AD).

　　According to the latest complete report, among people with mild cognitive impairment (MCI), iADRS (comprehensive evaluation of patients’ cognitive ability and daily self-care ability) shows that the clinical decline rate has slowed down by 60%, and CDR-SB score shows that the cognitive decline rate of patients has slowed down by 46%. This means that the curative effect of donanemab is much more obvious for this group.

　　Tesla’s board gave up $735 million in stock and cash awards to settle investor lawsuits.

　　Tesla directors, including co-founder Musk, agreed to return more than $735 million in stock and cash bonuses to settle the lawsuit filed by investors. The lawsuit accused board members of providing themselves with huge salaries through improper means. According to the document filed by the Delaware Court of Equity on July 14th, Tesla directors denied the existence of the misconduct alleged by investors, but said that they agreed to solve the case to eliminate the uncertainties, risks, burdens and expenses that may be brought about by further litigation.

　　Ford slashed the sales price of electric pickup trucks.

　　On Monday, local time, Ford Motor Company of the United States drastically lowered the price of F-150 Lightning. Among them, the entry-level model F-150 Lightning PRO, with the biggest drop, started at US$ 59,974 and fell to US$ 49,995, down by about 16%. The price reduction of other models is roughly 6%-14%.

　　[AI dynamic]

　　Server energy consumption has tripled, and the fierce AI competition is becoming more and more important for power competition.

　　According to the latest report released by Digital Information World, the energy consumption generated by data centers for training AI models will be three times that of conventional cloud work. It is estimated that by 2030, the power demand of data centers in the United States will increase at an annual rate of about 10%. Computing power is the foundation of the development of the AI world, and the bottleneck of computing power is electricity in the final analysis. With the increasingly fierce arms race for AI, the competition for electricity has become more and more important.

　　[financial calendar]