标签归档 上海荤场子

On October 17th, diners tasted Chongqing hot pot at the 12th Hot Pot Food Culture Festival of Chongqing International Expo Center. Xinhua News Agency reporter Huang Weishe

On October 21, tourists took a sightseeing boat to visit Populus euphratica on the river bank in Luoburen Village Scenic Area, Yuli County, Bayinguoleng Mongolian Autonomous Prefecture, Xinjiang Uygur Autonomous Region. Photo by Li Fei (People’s Vision)

　　"Did you sweep the goods?" This is a greeting commonly used by people in double 11. Nowadays, in addition to physical consumption, service consumption with high quality and good price has sprung up online and is favored.

　　Take advantage of the "double 11" promotion to buy air tickets, book hotels and eat buffets … … The service consumption is full of vitality. What are the characteristics of online service consumption in double 11 this year? What is the development trend? How to treat consumers’ demand characteristics and consumption psychology?

　　New technology with hotline service consumption

　　— — The deep integration of the new generation of information technology and service industry has broken the time and space constraints of both the supply and demand sides of service consumption, and promoted the supply of online service consumption to be more diverse and sufficient.

　　"The night view of Beijing is beautiful from here, so you can enjoy it while eating." At the top of a skyscraper in Chaoyang District, Beijing, Li Xuan and his girlfriend are sitting in a restaurant overlooking the night in the city.

　　Li Xuan is a young man who has been working for a short time. Although he doesn’t have much savings, he rented the membership card of this restaurant online and brought his girlfriend to the restaurant for dinner, enjoying a 50% discount. "On the major e-commerce platforms, there are many membership card rental services for such high-consumption hotels and restaurants. It only costs tens of yuan to more than 100 yuan at a time, but it can save hundreds of yuan or even more. ‘ Double 11’ Starting with the activity price, it feels very worthwhile. " When it comes to this shopping experience, Li Xuan is very satisfied.

　　"When people reach middle age, health is the most important." Liu Ji has just participated in the physical examination of employees organized by the company recently, but he is not satisfied with the coverage of the physical examination items, so he bought a "VIP-level" physical examination service of a commercial medical institution on the e-commerce platform. "There are so many physical examinations in the screening project, and the medical institutions outside usually sell two or three thousand yuan, but the online promotion is not in 500 yuan. After using it, my wife and I feel that the project is really comprehensive and the medical staff service is good, so I will give it to four old people at home. All bought it."

　　After "June 18th" in summer, "double 11" and "Double 12th" came one after another, and online shopping ushered in another golden time. In addition to the continued popularity of various physical goods, online service consumption is also popular among consumers.

　　“‘ Double 11’ Not only is the price of buying physical goods low, but it is also cost-effective to buy services. " Lu Xianzhi, a second-year graduate student who is looking for a job, took advantage of an e-commerce platform for education and training to launch an activity price and bought several online job-hunting counseling courses such as essay writing and interview skills. "Buying classes online is more flexible, more affordable, and does not require commuting. It is very suitable for fresh graduates who are busy with job hunting."

　　Catering and accommodation, membership rights, domestic service, online office, knowledge payment, seeking medical advice … … The popularity of "double 11" online service consumption is the epitome of the rapid growth of service consumption in recent years. In 2019, among the per capita consumption expenditure of the national residents, the service consumption expenditure accounted for 45.9%, an increase of 1.7 percentage points over the previous year.

　　Zhao Ping, vice president of the Research Institute of China Council for the Promotion of International Trade, pointed out that the rapid growth of online service consumption scale is directly related to consumption upgrading. With the continuous improvement of residents’ income level, residents’ consumption structure has shifted from commodity consumption to both commodity and service consumption, and people have invested more in service consumption. Therefore, in recent years, the growth rate and proportion of service consumption in China have been rising continuously.

　　Zhao Ping pointed out that the application of new technologies is the main driving factor for the rapid growth of online service consumption. "With the upgrading of the industrial structure on the supply side, the digital level of the service industry has been continuously improved, and the new generation of information technology has been deeply integrated with the service industry, further breaking the time and space restrictions of the supply and demand sides of service consumption, and accelerating the release of the growth potential of the service consumption market. It can be said that new technologies have spawned new formats. " Zhao Ping said.

　　"Suixin" products are applauded and popular.

　　— — Service providers segment the market and introduce products with more favorable prices, wider use and fewer restrictions to meet the needs of consumers.

　　Accommodation, catering, entertainment, transportation, health care, education … … The services that residents buy every day are all-encompassing, and what is offline, what is online. The fire of "double 11" is also lighting up the field of service consumption, attracting various service providers.

　　This year’s "double 11", e-commerce platforms and various merchants have come up with eye-catching preferential prices, and strive to get a slice of the emerging online service market as the first "double 11" after consumption picks up and demand is released. JD.COM, an established e-commerce company, and Zhuyu, a Taobao company, followed suit in service e-commerce. For example, Ctrip’s "double 11 Shopping Festival", the free "Quality Renting Festival" and the "Golden Autumn Shopping Festival" held by cargo workers made consumers dazzled.

　　A few days ago, the National Development and Reform Commission and other 13 departments issued the "Work Plan for Expanding Domestic Demand and Promoting Consumption in the Near Future", and introduced a number of measures to accelerate the offline service consumption and fully release the online economic potential. The relevant person in charge of the National Development and Reform Commission pointed out that this year’s epidemic has brought valuable opportunities to online consumption while deeply curbing offline close-knit consumption. Online medical care, smart sports, online education and other service consumption are booming, so we should take advantage of the situation and seize the opportunity to further release the service consumption potential.

　　"I accidentally found the ‘ launched by an seascape hotel in Dali online. Live as you please ’ Products, the price is very low, can be used at any time within one year except the Spring Festival and the Eleventh Golden Week, plus the previous purchase of an airline ‘ Fly with your heart ’ The family can often go to the seaside for a holiday. " Shi Fang and his wife, who live in Beijing, often travel to Yunnan recently. By purchasing "whatever you want" service to travel abroad, they have compressed the "big head" of travel expenses such as transportation and accommodation to the extreme.

　　According to Shi Fang, the round-trip flights between Beijing and Dali operated by the airline are available every day, which are used in conjunction with the "live at will" products of local hotels. It is as convenient to visit Erhai Lake as to visit Kunming Lake in the Summer Palace. "For consumers, this ‘ Suixin ’ The more products, the better. "

　　Since the beginning of this year, the civil aviation industry has been greatly affected by the epidemic. With the situation of epidemic prevention and control stabilizing, the domestic consumption engine is rekindled, and people’s travel demand is gradually released. To this end, a number of airlines have launched products such as "flying at will" to provide passengers with unlimited flights within a specific period of time and under specific conditions, which makes consumers both applaud and seat. Apart from the civil aviation industry, there are many similar service products, such as 28 -89-day "free rent" in CAR Inc., and "free stay" introduced by several hotel chains and Sesame Credit, involving accommodation, catering, tourism and other industries.

　　Experts pointed out that this kind of products is not new, and its recent vigorous development is mainly due to the fact that the economy has recovered from the epidemic and can meet the needs of encouraging consumption. "The popularity of such products is the result of market segmentation of practitioners, and they are more favored by consumers who are price-sensitive and have relatively ample time." Zhao Ping believes that "Suixin" products, on the one hand, stimulate consumption with low prices and help the recovery of related industries, on the other hand, they also release very large preferential dividends to consumers.

　　There is still room for improvement in online service supply.

　　— — The impact of epidemic situation on service consumption is more lasting than that of commodity consumption. It is necessary to introduce more high-quality resources, improve online supply capacity, and accelerate the process of standardization and standardization.

　　From a micro perspective, how to efficiently and reliably complete the whole process of "use-to-pay" consumption behavior in online service consumption market is a topic faced by buyers and sellers.

　　Taking "Suixin" products as an example, some consumers said that "Suixin" products may face the rules and regulations set by service providers in advance when they are redeemed, which will affect the consumption experience. "Take the airlines ‘ Fly with your heart ’ As far as products are concerned, when I bought them, I thought very beautifully. In fact, there are certain restrictions on shifts, return and change of visas, and it is not completely used ‘ Suixin ’ 。” Shi Fang said.

　　"There will be more such market segmentation products in the future, which is the embodiment of the differentiated price strategy of merchants. In this regard, consumers should have a comprehensive and full understanding of the content and restrictions of products and services, and avoid blind consumption and impulsive consumption. Market regulators should also pay attention to ‘ Suixin ’ Whether such products violate the principle of fair competition, whether there is exaggerated publicity in the sales process, etc., and timely supervise and investigate relevant violations of laws and regulations. " Zhao Ping said.

　　From a macro perspective, in sharp contrast to the offline market where physical consumption and service consumption each occupy half of the country, the online market service consumption performance is not eye-catching. The relevant person in charge of the National Development and Reform Commission pointed out that the online economy in China has developed rapidly in recent years, in which online sales of physical consumption is a relative "long board", while online sales of service consumption is still a relative "short board", accounting for less than 20%, and there is still much room for expansion and promotion.

　　Experts pointed out that there are still many places to be improved in the current online service consumer market as a whole. "The demand for online service consumption market is huge, but due to insufficient supply capacity, the demand has not been fully met, and it is still difficult for the supply side to match the demand in terms of scale, quality and structure." Zhao Ping pointed out that in the field of service consumption, long-term problems such as excessive prepayment still affect the protection of consumers’ rights and interests in the online service consumer market, and this market growth potential needs to be further explored.

　　In the future, how to promote the rapid and healthy development of the online service consumer market?

　　Zhao Ping believes that this year, China’s commodity consumption has exceeded the level of the same period last year and entered the upward channel, and the growth rate has increased month by month, but the service consumption has not recovered to the level of the same period last year. The impact of the epidemic on service consumption is deeper and more lasting than that of commodity consumption. Promoting the growth of online service consumption is of great significance to alleviate the impact of the epidemic on consumption. Therefore, it is necessary to coordinate the prevention and control of epidemic situation and the development of service industry, and continuously restore the service supply capacity.

　　"On the one hand, we should introduce more relevant measures to expand the opening of the service industry, fully introduce high-quality resources such as technology, capital and management, and enhance the online supply capacity of the service industry; On the other hand, we should strengthen the construction of relevant systems for the protection of consumers’ rights and interests, speed up the process of standardization and standardization of service products, and make consumers feel confident and bold in online service consumption. The regulatory authorities should promptly investigate and deal with violations and products, promote fair competition, ensure consumers’ right to know, and enable consumers to clearly understand consumption. " Zhao Ping said.

　　Sina Financial Evaluation Room comprehensively scanned the mobile banking App of China Construction Bank in four dimensions: user experience, product function, performance and safety, and innovation and development, with more than 250 sub-indicators, and finally gave 83.00 points (out of 100).

　　Compared with last year’s evaluation, China Construction Bank’s App has been upgraded to version 5.0, and the physical examination framework has been reconstructed, and the search and customer service have been greatly improved. AI mobile banking is also innovative. However, the functional details such as App fast payment and funds in transit are not handled in place, and some interactive levels are not well differentiated and the tips are not sufficient. It is still necessary to focus on the core functions and develop to "fine".

　　Compared with last year’s evaluation, China Construction Bank’s App has been upgraded to version 5.0, and the physical examination framework has been reconstructed, and the search and customer service have been greatly improved. AI mobile banking is also innovative. However, the functional details such as App fast payment and funds in transit are not handled in place, and some interactive levels are not well differentiated and the tips are not sufficient. It is still necessary to focus on the core functions and develop to "fine".

　　User experience (33.925 points /40 points): search and customer service have been greatly improved, and some interactions need to be optimized.

　　In terms of registration, China Construction Bank App has optimized the registration process. New users only need to enter their mobile phone number, SMS verification code and set their login password to complete registration. After successful registration, users can choose to add a bank card, and the process of adding a card is clear, and OCR is supported to identify the card number, ID card information and so on.

　　In terms of login, China Construction Bank App supports mobile phone number login, and also supports fast login authorized by WeChat, Alipay and Apple ID. At the same time, the App is based on the model, and supports quick login such as face and fingerprint (gestures are not supported), and switching is more convenient. If the user wants to change the login account, the App supports switching accounts; If the user forgets the password, the App supports online retrieval.

　　It is worth noting that the App registration and login system distinguishes between the contracted version and the non-contracted version. The non-contracted version can be opened through the above process, but transactions such as transfer cannot be made, and additional contracts need to be made at the counter or through the online banking shield. In addition, the contracted version can log in on two devices, and the non-contracted version can only log in on one device, so the overall strategy is conservative. In particular, users who sign up for mobile banking will become non-sign-up versions if they re-register, which is not the mainstream practice in the industry (there are also many peers who support remote video customer service to open transfers, etc.).

　　Compared with last year’s evaluation, China Construction Bank App has been upgraded to version 5.0 this year, and the physical examination structure has been reconstructed. The bottom column is adjusted to five channels: "Home Page, Credit Card, Investment and Wealth Management, Enjoy Life, Myself", and the "≡" in the upper left corner of each channel can be called out to make relevant settings. It is worth mentioning that users can conduct "AI mobile banking" by pulling down the screen on any channel, and the interactive architecture of operating system breaks the convention and is innovative to some extent.

　　Specifically, the "home page" is divided into "navigation, top function, account, common function, promotion map+10 recommended floors" from top to bottom. Among them, the "Common Function Area" adopts the multi-grid mode, and users can click "More" to view all applications or customize 0-14 common applications, and the customization logic is smooth. However, the text descriptions of individual application keys (icon) are too long and there is room for optimization; At the same time, it is suggested to increase the search for functions on the "All Applications" page. Many users have the habit of searching for functions on this page.

　　Another important channel "My" has also been restructured, and you can view personal information, rights and interests, assets and so on related to "Me". But it is a pity that users can’t see how many bank cards they have at a glance.

　　In terms of search interaction, all five channels of China Construction Bank App have search portals, which can view historical searches, popular recommendations and hot search lists, and support global search on functions, products, life, news and frequently asked questions. Fuzzy search has a good matching degree, and the search results are sorted and listed clearly; When users are dissatisfied with the search results or can’t find the results, they can link intelligent customer service (and bring in search keywords). Unfortunately, the search for activities can be improved.

　　In terms of customer service interaction, the "smart assistant" customer service entrance can be found in all channels of China Construction Bank App, and the customer service coverage of important function contacts is relatively high. "Intelligent Assistant" integrates the functions of guessing what you want to ask and hot spots, and "+"integrates frequently asked questions, telephone customer service and clearing records, but "Guess what you want to ask" has room for improvement in the matching degree of entering contacts. Compared with last year’s evaluation, the intelligent customer service has improved: ask questions → reply → satisfied/dissatisfied, and "dissatisfied" prompts to consult "Xiaowei’s teacher"; Users can also transfer to manual service by inputting keywords such as "artificial"-the number of people waiting will be prompted when accessing, expressions/pictures can be sent in the service, and evaluation can be made after the service.

　　In terms of message reminder, China Construction Bank App "Message" integrates account change, to-do reminder, system announcement, service notice, life discovery, financial information, etc., and can classify top/empty messages. Every transaction of the user, the App will pop up a window prompt, and each notification is more readable. However, there is still room for improvement in "Messages": First, the reading experience of the "Messages" homepage needs to be improved, and all kinds of messages such as account changes and system announcements are displayed by default, and each type of message has different styles, which is slightly confusing together; Second, the overall setting logic needs to be improved, the message home page is the same as the "…" level of all kinds of messages, and the logic of message service customization is also somewhat confusing; Third, the logic of smart calendar/to-do reminder is general.

　　In terms of convenient interaction, China Construction Bank App is equipped with "Smart Bank" voice assistant, which has excellent voice recognition accuracy and function calling accuracy. It carries some functions of intelligent customer service, and has also carried out some dynamic design. However, it is suggested to add the name of function keys when jumping functions. However, the App does not support remote video customer service for the time being.

　　In terms of user management, China Construction Bank App "My → My Information" supports updating the validity period of the certificate and modifying personal information such as occupation and address; "My → Other" supports the maintenance of receiving address, invoice information, etc. In addition, the "Security Center" supports the modification of login password and cancellation of mobile banking (the cancellation journey is smooth, but there is room for optimization of relevant tips).

　　In terms of interactive experience, users can find common operations such as transfer and remittance, my account, etc. on the homepage, and the common operations have been properly interacted. When the user’s journey is blocked, the App will prompt the reason for the blockage and give the error code. In some cases, the customer service can be linked to give a certain solution. However, some interactions of App are not smooth enough, and the prompts are not sufficient, so there is still room for improvement: First, apart from message settings, the interaction levels such as adding accounts and setting transfer limits are not clear enough, and the experience is not smooth enough. Taking adding an account as an example, "account" is divided into three levels: savings account, credit card and other accounts, and the corresponding account services at each level are different, but users need to make a choice again no matter which level they add an account. Similarly, "transfer setting → transfer limit setting" should point to the transfer limit, instead of selecting the personalized limit again.

　　Second, some tips are not sufficient. For example, when signing up for mobile banking, users need to use the digital password set by the counter, but the App tip "unified login password" is not clear enough; Terms such as "customer information modification" also need to be optimized from the user’s point of view.

　　Thirdly, the interactive architecture of "micro-application" is relatively unified, but the interactions such as accommodating business and integral mall can still be optimized.

　　Compared with last year’s evaluation, China Construction Bank’s App has been upgraded to version 5.0, and the physical examination framework has been reconstructed, and the search and customer service have been greatly improved. AI mobile banking is also innovative. However, there is room for improvement in App registration and message center, and some interactions are not smooth enough and tips are not sufficient.

　　Product function (30.75 points /35 points): There are many kinds of investment products, and many functional details are not handled in place.

　　In account management, China Construction Bank App "Accounts" can query savings accounts, credit card accounts and other accounts, and can also add/delete accounts. For a single savings account, users can view/copy the card number, check the balance, find out the details, report the loss of the account, set a security lock, and turn on/off the confidentiality exemption and visa exemption. It is worth noting that the App’s "one-click card binding" supports the binding of WeChat, Alipay, China Unionpay Quick Pass, etc., and the unbinding needs to be carried out in "authorization management → quick payment unbinding", and the functional integration and card binding function need to be improved.

　　Specific to "account details", the App supports querying the transaction details in the past two years. The entry and exit items in the detailed list are relatively clear, but there is room for improvement in readability-there is no opponent in the "transfer" in the list, so you need to click further to view the details; Support filtering by time, transaction amount and revenue and expenditure categories (still not subdivided enough), and also support keyword search.

　　At the same time, the "Dragon Wealth → Wealth Panorama" can view the total assets/liabilities, with comprehensive statistical categories and profit and loss reference, but the capital construction in transit needs to be optimized. In addition, "Dragon Fortune" integrates wealth management services such as wealth physical examination, this month’s income and expenditure, and wealth information.

　　In terms of transfer and remittance, China Construction Bank’s App "Transfer and Remittance" supports bank card transfer and mobile phone number transfer (both of which are functionally integrated), as well as reservation transfer and transfer from other banks. You can also view transfer records, manage the payee list and set transfer limits. Among them, "Transfer Record" supports detailed query in the past year, and also supports search by account name/account number/mobile phone number/postscript; Payee List can search for payees by name/account number/bank name/alias, and can also add/edit/delete payees, but the search results can be optimized, and the same account only needs to be hit once.

　　In terms of fast transfer method, App supports the recent payee’s fast transfer, copying the card number to open the App to induce transfer, and also supports batch transfer and QR code transfer, and can switch multiple verification methods according to the risk level. It is worth noting that recently, the payee can include the mobile phone number transfer record, but the dynamic interaction of sliding left and right affects the efficiency, and the more commonly used operations, the more simple and quick interaction is needed.

　　In terms of investment and financial management, the China Construction Bank App has an "Investment and Financial Management" channel, with the "total wealth management assets" displayed at the top and the "7+1" eight-grid mode at the bottom. Users can click "All" to view all investment products, including fund investment, wealth management products, gold accumulation, precious metals in accounts, insurance, deposits, securities services, bond investment and futures asset management products. However, the construction of "total wealth management assets" still needs to be improved, especially the inclusion of deposits is lagging behind.

　　Specific to large-scale investment products, financial management, funds, insurance, etc. have been systematically built. Among them, wealth management products include self-operated and consignment products (supporting screening and search), and the details page of a single product and the purchase journey are relatively smooth (with income calculator). Unfortunately, the risk disclosure book needs to be downloaded (Android); The types of fund investment products are also rich, and the product details page and purchase journey are smooth. You can check the position, and have income analysis and expiration reminder, but the processing of in-transit transactions needs to be optimized.

　　In terms of deposits, the China Construction Bank App has a "deposit" product area, which includes time deposits, structured deposits, large deposit certificates, notice deposits, and special deposits such as Smart Deposit, Bubuging, Huilitong and Wangcai. You can also check my deposit status. However, special products such as Bubuging and Huilitong lack detailed introduction. After clicking on the products, they will directly enter the product signing interface. In terms of loans, the App "Loan Zone" has launched fast loans, small and micro fast loans, farmers’ fast loans, pledged fast loans, Sino-German housing savings, and e-loans, etc., and you can query records, quotas, and liquidated consumer loans.

　　As for credit cards, China Construction Bank App has a "credit card" channel, which supports not only card services such as card application, activation and loss reporting, but also account services such as audit, repayment and installment, and can also check points, redeem points and use rights. However, integral mall and other functions are not convenient.

　　In terms of payment services, the "+"channel of China Construction Bank App can find the scanning, payment code/receipt code, which supports setting small amount of confidentiality/adding desktop shortcut, but does not support querying related payment records for the time being. It is worth noting that "All Applications → Account → Payment Records Query" can query the payment records before 7 days, and "Long Payment → Transaction Records" can view the transaction records of Long Payment.

　　In terms of network services, the App "Network Services" applet supports network query, numbering and reservation (cancelable). In addition, it also supports scanning code deposit and withdrawal, ATM card swallowing error inquiry, etc.

　　In terms of life service, China Construction Bank App has a "Enjoy Life" channel, which provides various life payment such as telephone recharge, water, electricity and gas charges, and supports government services such as electronic social security cards and medical insurance cards, as well as convenient services such as party membership fees. In addition, the App provides scene services such as food and entertainment, car owner service, medical health, business travel service and school education by accessing third-party applications. In addition, App provides services such as good business and building a home. It is worth noting that there are a large number of "micro-applications", covering many scenes such as travel, food, convenience, finance, games, etc., but some of them are messy. For example, there are many channels for "mobile phone recharge", and the convenience and preferential strength of functions are different.

　　Compared with last year’s evaluation, the functions of China Construction Bank’s App such as transfer and remittance have been optimized, with a full range of investment products and rich micro-applications. However, many functional details are not handled in place, especially the handling of funds in transit needs to be optimized; In addition, the number of micro-applications is large but somewhat messy, and it is still necessary to find a breakthrough.

　　Performance safety (10.60 points /15 points):

　　Performance security includes basic security settings, privacy protection, performance testing and security testing.

　　In terms of basic security settings, China Construction Bank App has an independent security keyboard, which will automatically exit when logging in overtime, and multiple wrong passwords will trigger account freezing; Support to query the recent login log, manage the login device, and set the screen capture/recording prevention for key transaction pages.

　　In terms of privacy protection, the China Construction Bank App opened the explicit privacy policy for the first time, indicating the release and effective date of the privacy policy, as well as the ways to inquire, correct and delete personal information, as well as the user’s complaint channels, feedback mechanisms and cancellation channels. It is worth noting that the App supports opening/closing personalized advertisements, and does not support third-party authorization management for the time being. The compliance evaluation report provided by Sina Financial Evaluation Office’s technical support "Love Encryption" shows that China Construction Bank App has many non-compliance in five tests.

　　In terms of performance testing, the data provided by "Borui Data", the technical support of Sina Financial Evaluation Office, shows that the average response degree of the audit and wealth management pages of China Construction Bank App is slightly worse than the industry average.

　　In terms of security detection, the manual penetration report provided by the technical support "Security" of Sina Financial Evaluation Room shows that the IOS client of China Construction Bank detected a low-risk point among 12 vulnerabilities in 8 categories.

　　Innovation and development (7.725 points /10 points):

　　Innovation and development mainly consider three aspects: aging development, multi-channel development, App development and innovation.

　　The semi-annual report of China Construction Bank in 2021 pointed out that version 5.0 of personal mobile banking was officially released, which used the cutting-edge technology of financial technology to innovate the functions of intelligent voice, intelligent search and intelligent recommendation, so as to provide customers with brand-new visual feelings and experiences and share better mobile financial intelligent services.

　　From the perspective of aging development, China Construction Bank launched the "caring mode", and the overall framework was designed to be aging-friendly: the bottom column was divided into two channels: "Home Page" and "My", and the voice service was set in the center. Users can quickly find the entrance of audit, transfer and payment, and the operation journey is designed to be aging; On-line pension services such as provident fund, medical insurance card and enterprise annuity, and also provide information reading; Outlets can navigate and make reservations, customer service can make direct calls, and voice service is also good.

　　From the perspective of multi-channel development, WeChat official account, the "China Construction Bank", provides services in three sections: micro-finance, yue life and credit card, and supports audit, account reminder and manual customer service, etc. It has also launched an account manager cloud studio and a business processing hall. In terms of small program services, it provides "China Construction Bank Micro-Banking" and small programs, and supports services such as audit and network appointment.

　　From the development and innovation of App, the App of China Construction Bank has been upgraded to version 5.0, and the structure of five channels has been reconstructed. AI mobile banking is innovative. From the perspective of user experience, search and customer service have been greatly improved, but there is room for improvement in registration, login and message center, and some interactive levels are not sufficiently differentiated and prompted; From the perspective of product functions, functions such as App transfer and remittance have been optimized, micro-applications are rich but somewhat messy, and many functional details are not handled in place. On the whole, the App of China Construction Bank has changed a lot compared with previous years, but it still needs to focus on its core functions, develop to be "refined" and find a breakthrough.

　　(The test version is IOS version 5.5.9.001 and Android version 5.5.9. The privacy data is provided by Ai Encryption, the performance test data is provided by Borui Data, and the security test data is provided by Bangbang Security. The evaluation deadline is December 17, 2021.)

　　This year is the eighth year of the establishment of Sina Financial Evaluation Room. In the past eight years, we have participated in and witnessed every step of the development of bank App! Since last year, Sina Financial Evaluation Office has joined the evaluation of "Mobile Banking App", combined with the new trend of industry development, discussed and deliberated with industry experts in depth, formulated the evaluation standard of mobile banking App, and introduced third-party technical institutions to give data support, striving for professionalism, objectivity and fairness.

　　After several rounds of tests, such as initial test, retest and cross-evaluation, the financial evaluation room comprehensively scans the mobile banking apps of 23 banks in four dimensions: user experience, product functions, performance and safety, and innovation and development, with more than 250 sub-indicators.

As a medium-sized car, Honda Accord has been widely recognized in the market with its excellent quality and excellent performance. However, every car has its own advantages and disadvantages. This paper will make a comprehensive analysis of the advantages and disadvantages of Honda Accord to help consumers better understand this model and make wise car purchase decisions.

Exterior Design and Interior Comfort

1. Advantages of design: Honda Accord adopts a smooth and dynamic design, and the body lines are simple and atmospheric, showing a sense of fashion and sports. At the same time, the front of the car has a unique shape, and the design of the headlight group and the air intake grille complement each other, giving people a sense of fashion and advanced.

2. Insufficient design: Some consumers think that the design of Honda Accord is too conservative and lacks some novel elements, which may not attract consumers who pursue personalized appearance.

3, interior comfort advantages: Honda Accord’s interior design is simple and generous, using high-quality materials and fine workmanship to create an elegant and comfortable driving environment. The seat is comfortable and spacious, which can meet the needs of long-distance driving.

4. Insufficient interior comfort: Some consumers report that the seat support of Honda Accord is not strong enough, and driving for a long time may lead to riding fatigue. In addition, the texture of some interior materials still has room for improvement.

Dynamic performance and handling performance

1. Power performance advantages: Honda Accord is equipped with high efficiency and reliability, stable and powerful power output and rapid acceleration. Both urban driving and high-speed cruising can provide good power performance and meet daily driving needs.

2. Insufficient power performance: Compared with some competitors, Honda Accord’s power performance is slightly conservative, and it may feel insufficient in some extreme cases. For consumers who pursue intense driving experience, higher power output may be needed.

3. Advantages of handling performance: The suspension system of Honda Accord has been carefully adjusted to provide good handling performance. The steering is light and accurate, the chassis is stable, and driving is very stable and reliable.

4. Insufficient handling performance: In terms of handling, some consumers think that the driving pleasure of Honda Accord is relatively low, lacking some passion and interactivity. For consumers who like intense driving, more dynamic handling performance may be needed.

Safety configuration and fuel economy

1. Advantages of safety configuration: Honda Accord is equipped with a wealth of active and passive safety configurations, such as collision automatic emergency braking system and active cruise control, which can effectively improve driving safety and occupant protection performance.

2. Insufficient security configuration: Although the security configuration is rich, it may not reach the level of competitors at the same level in some configurations. For example, some advanced driver assistance functions may require additional options or are only available on high-end models.

3, fuel economy advantages: Honda Accord engine has a high fuel economy, especially the version. Excellent fuel economy performance can be achieved in cities and highways, saving fuel expenses.

4. Insufficient fuel economy: Some consumers think that the fuel economy of Honda Accord is not outstanding in the same class, and there is still room for improvement. For users who pursue lower fuel consumption, they may need more energy-saving options.

As a medium-sized car, Honda Accord has its unique advantages and disadvantages in design, interior comfort, dynamic performance, handling performance, safety configuration and fuel economy. Consumers should weigh these advantages and disadvantages according to their personal needs and preferences when buying a car, and choose the model that suits them best. In any case, with its excellent quality and reliability, Honda Accord has always had a high reputation in the market and is worthy of consumers’ trust and choice.

A few days ago, Netcom obtained a set of official pictures of GAC Trumpchi E8. The new car is positioned as a medium-sized MPV, and the appearance adopts a new design language. The through-type LED daytime running lights are matched with a trapezoidal grille design, which shows the atmosphere is calm. In terms of power, the new car adopts a plug-in hybrid power system.

In terms of appearance, the appearance of the Trumpchi E8 adopts a new design language. The L-shaped LED daytime running light is matched with a wide trapezoidal grille to create a full sense of technology, and it adopts a split headlight design. The headlight group is officially called "Guardian’s Eye". The lower front bumper is integrated into the chrome trim to further enhance the overall sense of fashion.

From the side, the side of the new car is outlined by a number of sharp waist lines, which makes it look full of vitality. The new car also adopts a suspended roof design, and the three-sided large-sized windows allow the occupants to have a wider field of vision. In addition, the Trumpchi E8 adopts multi-spoke chrome-plated wheels, which also adds a touch of vitality to the whole vehicle. In terms of body size, the length/width/height of the new car is 4920/1900/1760mm respectively, and the wheelbase is 2930mm.

In the rear part of the car, the Trumpchi E8 adopts the current popular through-type taillight design. The slender light strip can light up the logo logo, further enhancing the recognition. In addition, the small tail wing design of the roof is matched with the chrome-plated trim at the rear bumper, which is more dynamic. At the same time, the overall design also echoes the front face.

In terms of power, the Trumpchi E8 is equipped with a plug-in hybrid system composed of a 2.0L engine and a battery. The maximum power of the 2.0L engine is 103KW, and it uses a ternary lithium battery to match a 2-speed DHT hybrid professional gearbox.

(Photo/text, Network News Agency, Du Jinyi)