Fast Tech News on ********,Xiaomi recently launched a new Bluetooth speaker Mini, priced at 229 yuan, but now the starting price of the 618 promotion is less than 200 yuan.Its shape is very small, weighing about the same as a cup of "small Coke".

Now this new product has come to our evaluation room, and we will bring you pictures below.

The body of Xiaomi’s Bluetooth speaker Mini is made of wear-resistant fabric, which is wear-resistant and scratch-resistant when used outdoors.

In addition, the bottom of the fuselage is equipped with anti-collision soft glue to reduce damage to the speakers from sudden shocks. The whole product has been treated with IP67 waterproof and dustproof treatment.

This product is equipped with a 3-unit acoustic configuration, a symmetrical full-range speaker design, and supports 360 ° omnidirectional sound.At the same time, a variety of audio styles are built-in, and users can also manually adjust the frequency response curve for enhancement or attenuation.

The product is connected to the underlying architecture of Xiaomi Surging Zhilian, which supports adaptation to Xiaomi Surging OS mobile operating system. After touching the NFC area of the speaker, the Bluetooth connection function can be triggered without mobile phone confirmation. The product supports connecting two mobile phones at the same time and can rotate the playback source.

The Xiaomi Bluetooth speaker Mini has a built-in 2000mAh battery, which can be fully charged in 1.8 hours and supports 11 hours of battery life.

The independent development of its own brand credit business has become an unavoidable "compulsory course" for licensed Financial Institution Groups.

Behind the digital transformation of finance, there are two "invisible forces" driving – momentum and pressure.

The driving force is mainly reflected in the fact that some licensed Financial Institution Groups that started first have enjoyed the value benefits brought by digital transformation. The pressure is mainly reflected in the intensive implementation of domestic financial regulatory policies in the past two years, which have put forward higher compliance requirements for the risk control ability, operation ability, system construction ability and data governance ability of licensed Financial Institution Groups, and promoted the "Matthew effect" of the industry.

"Ronghui Jinke’s mission is to help the licensed Financial Institution Group build an independent and controllable Internet credit risk control system." Si Mingcheng, general manager of Ronghui Jinke Platform Product Division and CRO of Personal Credit Business Division, told Yiou that this goal has never changed in the past five years. Now Ronghui Jinke has successfully helped many banks, gold and other top licensed Financial Institution Groups to complete the construction and iteration of risk management systems. The company’s reputation and customer reputation have always remained at the forefront of the industry.

Si Mingcheng graduated from Cass Business School in London and obtained a master’s degree in actuarial science. Previously, he worked in Baidu Finance and Zhongrong Life Insurance, and has rich practical experience in the construction of Internet financial risk management system and risk control system platform development. In our conversation with him, we found that in today’s diverse financial risk control needs and homogeneous solutions, the risk control system platform products he led the team to carefully build, the technical innovation and service concepts behind them are of great reference.

Hard core product innovation, deeply empower customer business value

"Based on past experience, we hope to help the Licensed Financial Institutions Group fully grasp the direction and requirements of digital transformation under the new supervision."

Si Mingcheng mentioned that Ronghui Jinke started the development of risk control system platform products when it launched the auxiliary operation business at the beginning of its establishment.

So far, Ronghui Jinke risk control system platform has formed a more comprehensive product matrix, including credit index management platform, asset quality monitoring platform, model monitoring management platform, data management platform, etc., deeply empowering the licensed Financial Institution Group to conduct multi-dimensional management of strategic models, information data, business monitoring, implementation processes, operational risks, etc. in all aspects of credit business, and comprehensively strengthen the management of self-operated business refinement and automation.

According to Si Mingcheng, the credit index management platform includes the whole process solution of PBC report analysis, core variable derivation, and variable management, which can help partners quickly derive six modules, ten categories, and tens of thousands of variables with business meaning. It has the characteristics of high differentiation, clear logic, and full utilization of information; at the same time, it also supports flexible configuration and management of variables, and the integrated processing variables of flow and batch fully ensure that the derived variables play an efficient value in risk control strategies and model applications.

(Some functional modules of the credit index management platform)

At the same time, in order to effectively deal with the unpredictable risks in the rapid development of business, the asset quality monitoring platform and the model monitoring management platform are respectively for the licensed Financial Institution Group in the form of consulting services + platform landing. The former helps partners to achieve real-time monitoring and early warning of the whole process of asset quality and business indicators, which can greatly save human resources costs, effectively reduce the non-performing rate, and ensure the quality of credit assets.

The latter is aimed at the full life cycle management of the model, that is, through automated real-time calculation and monitoring data, to achieve full-link monitoring of the model, to ensure the stability and effectiveness of the model, and to have configuration display and early warning functions, to strengthen the model of the licensed Financial Institution Group.

In the past two years, regulators have continued to encourage banks to strengthen their self-operated business and independent risk control capabilities, and many media have repeatedly reported the independent risk control problems of small and medium-sized banks. Si Mingcheng believes that banks and non-bank licensed Financial Institution Groups build their own risk control systems, which not only require a lot of resources and labor costs, but are expected to take five to ten years or even longer to complete.

Some industry experts stress that banking institutions must "grow" these capabilities from their own soil, rather than relying on ready-made solutions. Ronghui Jinke’s system platform product positioning coincides with this idea, that is, in a deeply empowered, white-box delivery model, the services provided are fully open to partners, helping them gradually build their own professional risk control team and independent risk management capabilities.

"In the depth of cooperation with many customers, we not only implement and deliver system platform products, but also provide a complete set of risk control solutions and actual business operation solutions, with equal emphasis on" fish "and" fishing "to maximize the value of the products themselves, so as to help cooperative customers to expand their business scale." Si Mingcheng revealed that under such a model and concept, Ronghui Jinke has started to standardize the output of risk control system platform products since the end of 2019. At present, nearly 20 leading banks, gold and other licensed Financial Institution Group system platform product benchmarking projects have been completed. Among them, the credit index management platform solution capability has reached the top three in the industry.

In addition, Si Mingcheng also pointed out that some licensed Financial Institution Groups such as banks have successively done some digital risk control construction, but they are often "chimney buildings", and system platform products can help the original "buildings" become a solid "foundation", helping institutions to promote their decision-making system from "blank filling of data elements" to "value-driven capability enhancement" on the basis of compliance.

Yiou learned that the credit index management platform implemented by Ronghui Jinke last year for many banks, licensed gold consumption, etc., helped banks and other banks to expand the derivative variable library at one time, greatly improved the efficiency of risk control model and strategy development, and helped banks and other banks to complete the construction and iteration of digital independent risk control "more quickly and cost-effectively".

Specifically, on the one hand, the platform provides a multi-dimensional and multi-level high-quality index library to help banks fully mine the effective information in credit reports and three-party data, and also provides a unified index management capability for the whole bank to achieve variable "one-time configuration management, all-bank shared application"; on the other hand, the platform supports variable efficient processing, and realizes front-end parameterization to configure variables and go online with one click.

"The entire project implementation cycle was very short, and the localization of the system was completed within a week, which greatly shortened the launch cycle of the platform application. Because of the smooth implementation of the first phase of the project, many customers have cooperated with us in the second phase to further help the industry improve the index processing capacity." Si Mingcheng recalled.

What makes Ronghui system platform products "stand out"

What really distinguishes Ronghui Jinke system platform products from the same type of products on the market is not just the product innovation.

Si Mingcheng said that Ronghui Jinke’s own deep "Party A advantages", unique "compound genes" and rich financial risk control "combat experience" provide a lot of first-mover advantages for system platform products.

On the one hand, Ronghui Jinke’s management and expert team have very rich experience in risk management and practical operation at home and abroad, and have practical experience in risk control system from zero to one, including product and system construction. At present, the risk control system platform products designed by Ronghui Jinke have undergone theoretical and practical two-factor authentication, which can well meet the actual needs of customers, achieve plug and play, and quickly solve business pain points.

In addition to that, the system platform product design follows a flexible and light-coupled approach, which can not only fully support the whole process of business operations, but also be modularized and configured according to customer needs, making it easy and convenient to connect with the customer’s own system and go online.

At the same time, the construction of the risk control system involves the overall planning of the digital transformation of the licensed Financial Institution Group. "We cooperate with our customers not only on the construction of risk control systems, but also in marketing customer acquisition, risk consulting and data management. Ronghui Jinke has mature and complete digital solutions and risk consulting solutions."

As mentioned above, compared with a single digital risk control solution output, Ronghui Jinke system platform products come with "supporting facilities", bringing Ronghui Jinke’s technological capabilities and profound accumulation in Internet credit business to the licensed Financial Institution Group, and also allowing the risk control system of the licensed Financial Institution Group to "take root and thrive" on its own soil.

On the other hand, Ronghui Jinke also has a product and technical team with strong combat effectiveness and in-depth customer concept, which can not only fully ensure product quality and customer experience, but also respond quickly to customer needs, solve and feedback customer problems in the first time, and ensure the stable operation of the business.

"For the platform products used in online risk control business, the processing performance of the system is also very important to customers." Siming Cheng revealed that, for example, the credit index management platform, we pay great attention to the scalability of variables from the source variable design. In the underlying technology implementation, the application of flexible parameter configuration method can complete the processing of ten thousand dimensional variables in about 100 milliseconds, which can meet the variable processing of hundreds of thousands of incoming parts every day. In terms of performance, it has been recognized by all cooperative customers.

Conclusion

"As the direction of supervision becomes clearer and clearer, from the current digital transformation of the industry, there is still a way to go for the Internet retail credit business of the Licensed Financial Institution Group to be transformed into self-operated business and independent risk control." In Si Mingcheng’s view, in the new situation of financial technology, risk management is more refined, and the Licensed Financial Institution Group, which has a complete, professional and systematic risk control system, will surely go more stable and faster in the fierce and healthy competition environment.

"Facing the future, what we need to do is to transform technological capabilities into core products and services, and deeply empower the licensed Financial Institution Group to complete the digital transformation. These capabilities are also a solid foundation to ensure the sustainable, healthy and compliance development of Ronghui Jinke’s business."

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　　　　　　 The State Council Information Office held a press conference at 3 pm today. Vice Minister of Transport Liu Xiaoming and relevant officials of the Ministry of Public Security, the General Administration of Quality Supervision, Inspection and Quarantine and other departments introduced the deepening of the reform of the taxi industry and the "Guiding Opinions on Deepening Reform and Promoting the Healthy Development of the Taxi Industry", "Interim Measures for the Management of Online Booking Taxi Business Services", and answered reporters’ questions.

　　　　　　 The "Guiding Opinions on Deepening Reform and Promoting the Healthy Development of the Taxi Industry" (hereinafter referred to as the "Guiding Opinions") were approved by the State Council and issued by the General Office of the State Council. The "Guiding Opinions" divided taxis into two categories: cruising taxis and booking taxis. For the first time, it was proposed to include Internet special cars in the management of booking taxis, which clarified the positioning of the taxi industry. At the same time, it clarified the legal status of online car-hailing, supported the continuous innovation and standardized development of online car-hailing platform companies, and encouraged traditional taxi enterprises to transform and provide

　　　　　　 Clear positioning of the taxi industry

　　　　　　 The Guiding Opinions state that,Adhere to the priority development of public transportation, the appropriate development of taxis, and coordinate the development of cruise cars and online car-hailing to promote the gradual integration of the two business models.Establish a dynamic monitoring and adjustment mechanism to gradually achieve market regulation.

　　　　　　 Reduce excessive "portion money" and other burdens on drivers

　　　　　　 The "Guiding Opinions" pointed out that to deepen the reform of cruise taxis, all new operating rights shall be limited for a limited period of time and used without compensation, and the operating entity shall not be changed. If the existing operating rights do not specify the specific operating period or have been used for compensation, the urban people’s government shall formulate a plan and make a scientific transition. All parties shall negotiate to determine and dynamically adjust the contract fee standard or quota task.Reduce the burden on drivers by reforming the business model, reducing excessive contractor fees and mortgages.Encourage cruise taxi enterprises to transform and provide online car-hailing services, expand service functions, strengthen branding, and take the initiative to transform and upgrade.

　　　　　　 Standardized development network booking and private minibus sharing

　　　　　　 The "Guiding Opinions" clarify the legal status of online car-hailing, as well as the carrier’s responsibilities that the platform company should assume, the operating conditions it has, and the requirements for standardizing business behavior, and support the continuous innovation and standardized development of online car-hailing platform companies.

　　　　　　 The Guiding Opinions proposeCity people’s governments should encourage private passenger car sharing and formulate corresponding regulations.Clarify the rights and obligations of ride-sharing service providers, ride-sharing providers, and ride-sharing information service platforms, and standardize their development.

　　　　　　 Establish an operator and driver evaluation system

　　　　　　 The "Guiding Opinions" propose policies, regulations and standards for accelerating the improvement of taxi management and operation services. Establish an evaluation system for operators and drivers, and use relevant evaluation information as an important basis for access and exit. Establish a joint supervision and law enforcement mechanism and a joint punishment and exit mechanism.

　　　　　　 City people’s governments should effectively assume the main responsibility for taxi management.Give full play to autonomy and creativity, and explore a management model that is in line with the actual development of the local taxi industry.

　　　　　　 Encourage traditional taxi companies to transform and provide online ride-hailing services

　　　　　　 The "Guiding Opinions" encourage cruise car operators and online ride-hailing platform companies to achieve the integrated development of new and old business models. Cruise car operators have qualified operating vehicles, drivers who have passed the training and examination, and a group of staff with certain management experience. Online ride-hailing platform companies have advantages in Internet data and information technology. The two can complement the offline capabilities of cruise car operators and the online capabilities of online ride-hailing platform companies in a relatively short period of time through mergers, reorganizations, and absorption of shares.

　　　　　　 The "Guiding Opinions" encourage traditional taxi companies to transform and provide online ride-hailing services.Traditional taxi companies are encouraged to take the opportunity of implementing the "Internet +" initiative to explore self-building or joint construction of Internet platforms, provide online car-hailing services, and achieve transformation and development.

　　　　　　 The "Interim Measures for the Administration of Online Booking Taxi Business Services" (hereinafter referred to as the "Interim Measures") were approved by the State Council and jointly promulgated by the Ministry of Transport, the Ministry of Industry and Information Technology, the Ministry of Public Security, the Ministry of Commerce, the State Administration for Industry and Commerce, the General Administration of Quality Supervision, Inspection and Quarantine, and the Cyberspace Administration of China.

　　　　　　 The "Interim Measures" make it clear that in accordance with the principles of high-quality and differentiated management, the development orientation is clear and the online car-hailing is developed in an orderly manner. It stipulates that online taxi operators, vehicles and drivers implement license management; it is clear that online car-hailing vehicles are registered as "reservation rental passenger transportation"; it is stipulated that when the mileage of online car-hailing reaches 600,000 kilometers, it is mandatory to scrap it; drivers also need to obtain corresponding employment licenses.

　　　　　　 Clarify the nature of online car-hailing: "Appointment for rental passenger transportation"

　　　　　　 The Interim Measures explicitly register online car-hailing vehicles as"Make an appointment for taxi transportation",It reflects both the nature of its rental cars and the characteristics of its emerging business models.

　　　　　　 Online car-hailing platform implements license management

　　　　　　 Online booking taxi operators, vehicles and drivers shall implement license management. Operators shall assume the responsibility of carriers and have online and offline service capabilities. Vehicles and drivers shall meet corresponding qualification conditions.

　　　　　　 Operators must ensure that the vehicles and drivers providing services have legal qualifications, and that the vehicles and drivers providing services online and offline are the same. They must not illegally collect, use or disclose passengers’ personal information and sensitive information related to national security. There must be no unfair pricing behavior, and competition must not be excluded or restricted.

　　　　　　 Access conditions for online car-hailing drivers

　　　　　　 The Interim Measures impose strict driver access conditions.There should be no traffic accident criminal record, no dangerous driving criminal record, no drug use record, no driving record after drinking alcohol, and no violent criminal record.

　　　　　　 Private cars that meet the specified conditions and procedures can be converted into online car-hailing

　　　　　　 The Interim Measures set corresponding licensing conditions and scrapping standards for vehicles engaged in online car-hailing operations.

　　　　　　 Licensing should meet three basic conditions:7-Seat and below passenger cars; Installation of vehicle satellite positioning devices and emergency alarm devices with driving record functions; Vehicle technical performance meets the requirements of relevant standards for operational safety.

　　　　　　 On this basis, for eligible vehicles,It should be registered with the public security organ as an appointment for taxi transportation, and obtain the "Online Appointment Taxi Transportation Certificate" issued by the taxi administrative department where the service is located.

　　　　　　 Therefore, according to the "Interim Measures for Administration", private cars can be converted into online ride-hailing vehicles after meeting relevant conditions and following relevant legal procedures.

　　　　　　 Net car scrapping standard: forced scrapping when the mileage reaches 600,000 kilometers

　　　　　　 The Interim Measures established a standard for scrapping according to mileage.It is stipulated that when the mileage of the online car reaches 600,000 kilometers, it will be forcibly scrapped. When the mileage does not reach 600,000 kilometers but the service life reaches 8 years, it will withdraw from the online car business.

For example, this car is often mentioned as a space issue. Now let’s follow the editor to see what it does.

First of all, from the appearance, the front face style of Lynk & Co 01 PHEV looks more cold and memorable. With headlights, the details are exquisite. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, automatic steering, delayed closing, etc. Come to the side of the car, the body size of the car is 4549MM*1860MM*1689MM, the car adopts cool lines, the side circumference shows a young personality design style, with large-sized thick-walled tires, smooth lines run through the entire side of the car. Looking back, the overall shape of the rear of the car echoes the front face, the taillights look very deep, and the overall shape is still very durable.

Sitting in the car, the interior shape has taken a delicate route, and the overall visual effect is very distinctive. The appearance of the steering wheel of the car looks very good. It is equipped with functions such as manual up and down + front and rear adjustment of the steering wheel, steering wheel heating, etc., and the grip is full and delicate. Let’s take a look at the central control. The car is decorated with an avant-garde touch LCD central control screen, which makes the interior design quite layered and in line with the mainstream aesthetic. The dashboard and seats are also eye-catching. The car is equipped with a spiritual dashboard, which looks very personalized. The car uses leather/fur material mixed and matched seats, and the seats are wrapped in place, further improving the comfort of the driver and occupant.

The car is equipped with vehicle to everything, driving mode selection, remote control key, Bluetooth key, rear wipers, interior ambient lights and other configurations, and the configuration has reached the mainstream level of the same level.

After reading the full text, what are your main impressions of this car? The Lynk & Co 01 PHEV introduced today is not only eye-catching in terms of space, but also has reached the mainstream level in various configurations, and the driving experience and space experience are nothing to be discerned.