标签： 苏州哪里有便宜的快餐

　　CCTV News:According to the website of the China Insurance Regulatory Commission, the China Insurance Regulatory Commission recently revised and issued the Measures for the Administration of Equity of Insurance Companies. The person in charge of the relevant departments of the China Insurance Regulatory Commission pointed out that the "Measures" further improve the entry threshold and ensure that "the insurance industry is guaranteed" based on the principle of "letting people who really want to do insurance enter the insurance industry". The "Measures" clearly require investment insurance companies to use "self-owned funds with legitimate sources" to strengthen the examination of the authenticity of the shares.

　　How does the Measures further tighten shareholder access? The person in charge said that the "Measures" are based on the principle of "letting people who really want to do insurance enter the insurance industry", further improving the entry threshold, standardizing the investment and shareholding behavior, preventing improper interest transfer and various risks, and ensuring "the insurance industry’s surname is guaranteed".

　　First, strict access conditions, in terms of financial status, investment capacity and other aspects have put forward more stringent requirements.

　　The second is to set up a negative list of market access, which clearly stipulates that investors with unclear ownership structure or disputes, records of holding shares, providing false information or false statements, and bearing heavy responsibility for insurance companies’ business failures and major violations are not allowed to invest in shares.

　　Third, it is forbidden for investors who have cash flow fluctuations that are greatly affected by the economic boom, have a record of bad investment behavior in the open market, and have had bad influence from dishonest business practices to become controlling shareholders of insurance companies.

　　The fourth is to increase the consideration of shareholders’ capacity building in the industry.

　　How does the Measures strengthen the supervision of ownership structure? The person in charge said that in line with the principle of prudent supervision, the Measures reduced the upper limit of the shareholding ratio of a single shareholder from 51% to 1/3. At the same time, according to the principle of classified supervision, according to the shareholding ratio of shareholders and their influence on the operation and management of insurance companies, the shareholders of insurance companies are divided into control category (the shareholding ratio is more than 1/3, or their voting rights have a controlling influence on the resolutions of the shareholders’ meeting), strategic category (the shareholding ratio is more than 15% but less than 1/3, or their voting rights have a significant influence on the resolutions of the shareholders’ meeting), financial category II (the shareholding ratio is more than 5% but less than 15%), and financial category II. Different categories, different qualification requirements, different review priorities and different regulatory measures are imposed.

　　After the formal implementation of the new measures, in principle, the ownership structure of existing insurance companies will not be retroactively adjusted, but some insurance companies with potential risks in the ownership structure will be given window guidance and targeted regulatory measures will be taken. For the new behavior of investment insurance companies, the new regulatory requirements shall be strictly followed.

　　How does the Measures strengthen the supervision of capital authenticity? The person in charge said that the "Measures" clearly require investment insurance companies to use "their own funds with legitimate sources" to strengthen the examination of the authenticity of the shares.

　　First, it is clear that self-owned funds should be limited to net assets.

　　Second, in the form of a negative list, the types of funds that cannot be used to invest in insurance companies are clearly defined, including the prohibition of using insurance companies’ relevant loans, funds secured by insurance companies’ deposits or other assets, funds obtained by improper use of insurance companies’ financial influence or improper relationship with insurance companies to invest in insurance companies’ equity, etc.

　　Third, it is clear that the regulatory authorities can trace the source of their own funds upward according to the principle of penetrating supervision and substance over form. For those who use non-owned funds to invest in shares, measures are stipulated, including ordering the transfer of shares, revoking administrative licenses, and restricting investment in the insurance industry.

　　What are the requirements of the Measures for shareholders’ behavior, number of shares and holding period?

　　The person in charge said that regarding shareholders’ behavior, strict supervision of shareholders’ exercise process requires the establishment of an effective risk isolation mechanism, and it is not allowed to conduct improper related party transactions with insurance companies, and it is not allowed to use equity pledge to illegally hold shares, related shares and transfer shares in disguise, and it is not allowed to use controlling shareholders’ position to harm the interests of insurance companies, prevent the transmission of improper interests, and use insurance companies as ATMs and other risk behaviors.

　　Regarding the number of shares, in order to avoid similar vicious competition and encourage insurance companies to focus on their operations, the Measures stipulate that, except in special circumstances, the same investor, its related parties and concerted parties can only become the controlling shareholders of an insurance company operating similar businesses, and the total number of controlling shareholders and strategic shareholders shall not exceed two.

　　With regard to the holding period, it is stipulated that controlling shareholders are not allowed to transfer their shares within five years, strategic shareholders are not allowed to transfer their shares within three years, financial class II shareholders are not allowed to transfer their shares within two years, and financial class I shareholders are not allowed to transfer their shares within one year. The purpose is to prevent investors from speculating on licenses and forcing them to focus on the main business of insurance.

　　What measures does the Measures take to penetrate supervision?

　　The person in charge said that the "Measures" clearly stipulated that the regulatory authorities should carry out penetrating supervision of insurance companies according to the principle that substance is more important than form, and can make substantive identification of the shareholders of insurance companies and their actual controllers, related parties and concerted parties.

　　First, shareholders are required to explain the ownership structure step by step until the actual controller, as well as its relationship with other shareholders or the relationship of concerted action.

　　Second, in terms of shareholder qualification, it is stipulated that the shareholding ratio of shareholders, their related parties and concerted parties should be calculated together, and if the total shareholding reaches a certain type of shareholder standard, the shareholder with the highest shareholding ratio should meet the qualification conditions of this type of shareholder; At the same time, investors are required not to entrust others or accept others’ entrustment to hold shares in insurance companies.

　　Third, in terms of the source of funds, investors are required not to evade the regulatory provisions of their own funds in disguise by setting up shareholding institutions, and the regulatory authorities can trace the source of their own funds upwards. If the investor is an insurance company, it shall not use its registered capital to make repeated capital contributions to its subsidiaries step by step.

　　Fourth, in the supervision of the actual controller of shareholders, it is required that the shareholders whose main business is investment insurance companies should meet the conditions of shareholders if their actual controllers change; It also applies the prohibition conditions of controlling shareholders to the actual controllers of insurance companies.

　　How does the Measures strengthen the review measures and accountability? The person in charge said that the "Measures" established a full chain review and accountability mechanism for equity management through a series of regulatory means such as prior disclosure, in-process tracing and post-event accountability.

　　First, public supervision, the establishment of equity pre-disclosure, supervision and public inquiry system.

　　Second, shareholders’ statements, if shareholders make false statements, will not only affect their current shareholding behavior, but also affect their future investments in the insurance industry and even the financial industry.

　　The third is commitment, which requires insurance companies or shareholders to make commitments on the consequences of providing false information or false statements such as related relationships and shareholding funds.

　　Fourth, the special provisions of the articles of association require reasonable arrangements for the nomination and election rules of directors, the protection of the interests of minority shareholders, policyholders, insured and beneficiaries, so as to provide a basis for later accountability and regulatory disposal, and increase measures to deal with illegal or fraudulent licensing.

　　Fifth, strict accountability. For insurance companies, directors and senior managers of insurance companies, shareholders of insurance companies or related parties, the accountability methods for violations of laws and regulations are stipulated, bad records of equity management are established, incorporated into the enterprise credit information system, and joint punishment is implemented.

　　What are the regulatory measures and measures for illegal shareholders in the Measures? The person in charge said that the Measures enriched the means of shareholder supervision from many aspects and clarified the withdrawal mechanism:

　　First, it is stipulated that the regulatory authorities can investigate or publicly question the behavior of shareholders involving the equity of insurance companies.

　　The second is to require insurance companies or shareholders to provide false materials or false statements. If the circumstances are serious, the regulatory authorities will revoke the administrative license according to law, and require investors whose administrative licenses have been revoked to withdraw according to the lower of the share price and the net asset price per share.

　　The third is to stipulate that the regulatory authorities can restrict the relevant rights of illegal shareholders in insurance companies and order them to transfer or auction their shares according to law. If the transfer is not completed within the time limit, the investors who meet the relevant requirements will transfer the equity at the assessed price.

　　The fourth is to establish a negative list of investors’ market access, record investors’ violations of laws and regulations, and stipulate that the regulatory authorities can restrict investors from reinvesting in the insurance industry for more than five years until their lives. Anyone suspected of committing a crime shall be transferred to judicial organs according to law.

The saturation of the online car market and the intensified price war have made GAC Ai ‘an under attack.

When Guangzhou Automobile Aian New Energy Automobile Co., Ltd. (hereinafter referred to as "Guangzhou Automobile Aian") with a valuation of over 100 billion yuan was split and listed became a mystery.

On August 6th, Beijing Equity Exchange issued the announcement of "Equity Transfer of Guangzhou Automobile Aian New Energy Automobile Co., Ltd.". According to the announcement, the investor is China Xinda Asset Management Co., Ltd. (hereinafter referred to as China Xinda), and the start and end date of disclosure is from August 1, 2024 to January 22, 2025, and the reference price is displayed as "negotiable".

It was mentioned in the same announcement that GAC Ai ‘an is preparing for the IPO listing of Hong Kong stocks in the near future, and various listing preparations are being carried out as scheduled.

This makes the above news of equity transfer somewhat puzzling.

In this regard, GAC Ai ‘an responded to China Entrepreneur, saying, "This equity transfer is an asset disposal process within the’ indirect’ shareholders of Ai ‘an, not released by Ai ‘an, and the company’s IPO progress is subject to the announcement of Guangzhou Automobile Group."

According to the reporter’s understanding, the "indirect" shareholder refers to Yingke Capital, a shareholder who strategically invested in Guangzhou Automobile Ai ‘an in 2022. One of the investors of Yingke Capital is China Cinda. According to national business daily’s report on August 6th, it was originally expected that Guangzhou Automobile Ai ‘an would conduct an IPO within two years. However, because the IPO time has been delayed, Cinda needs to make a procedural asset disposal process, that is, this stock withdrawal. In this regard, "China Entrepreneur" made a verification to GAC Ai ‘an, but no reply was received as of press time.

Guangzhou Automobile Aian has been planning an IPO for a long time, and has released listing information many times in the past two years. In response to the rumors of listing, in March this year, Gu Huinan, general manager of Guangzhou Automobile Ai ‘an, responded that Guangzhou Automobile Ai ‘an was not short of money. "IPO is not to finance a sum of money, but the core is to solve the problems of institutional mechanisms." He also stated: "Now is not a good time for IPO. The whole capital market is not good, including the mainland and Hong Kong markets. The IPO process of GAC Ai ‘an depends on whether the market can pick up next."

From the point of view of sales volume, the pressure of Guangzhou Automobile Ai ‘an is not small.

The data shows that except for January this year, the sales volume of GAC Ai ‘an from February to July decreased year-on-year. In the first seven months of this year, the cumulative sales volume of GAC Ai ‘an was 154,600 vehicles, down 39.21% year-on-year, and only 22% of the annual sales target of 700,000 vehicles was achieved.

The saturation of the online car market and the intensified price war have made GAC Ai ‘an under attack.

It won’t roll.

"Now it’s all about the price, and it really can’t move," said a sales representative of an Ai ‘an store in Guangdong. "You can quote a bottom price for which car you need."

The sales of another Ai ‘anmen store in Changping District, Beijing have the same distress. "In the past two years, the market was relatively good, and about 200 units were sold a year, but less than 60 units were sold in the first half of this year." According to the reporter’s understanding, compared with last year, the store’s preferential strength is also greater. For example, the AION Y 2023 Plus 610 smart collar version with a price of 143,800 yuan is currently doing special car activities in the store, with a cash discount of 20,000 yuan. If you choose to buy a car with a loan, the discount will exceed 30,000 yuan.

In August, the reporter visited several Ai ‘anmen stores in Chaoyang District and Changping District of Beijing, and found that two best-selling models of Ai ‘an brand, AION S and AION Y, had different discounts. The lowest discount for naked cars was 10,000 yuan, and the highest discount was 40,000 yuan. It was an inventory car produced at the end of last year.A number of sales said that this year’s cars are difficult to sell.

Founded on July 28, 2017, Guangzhou Automobile Ai ‘an is "the strategic core carrier for Guangzhou Automobile Group to develop intelligent networked new energy vehicles". In the past few years, Guangzhou Automobile Ai ‘an has grown rapidly. From 2019 to 2022, the sales volume of GAC Miko Wu was 42,000, 59,500, 120,200 and 271,200 respectively. In 2023, the annual sales volume of GAC-AE Safety reached 480,000 vehicles, up 77.02% year-on-year, second only to BYD and Tesla China in the sales list of new energy vehicles.

The rise of sales of Guangzhou Automobile Ai ‘an is closely related to the market segments targeted by its products. With two models, AION S and AION Y, GAC Aian was once the "darling" of the online car market. According to the data of Geshi Automobile Research Institute, from January to November, 2021, the proportion of B-end sales of GAC Ai ‘an was 43%. Among them, the sales of key sales models AION S and AION Y in the B-end market accounted for 63.01% and 20.33% respectively.

In 2023, a set of data released by the Association showed that in 2023, the national online car market sold a total of 848,000 new cars, of which GAC Ai ‘an sold about 219,000 cars, accounting for 25% of the market. BYD followed closely, with sales of 191,000 vehicles. This means that in 2023, the sales volume of the online car market will account for about 50% of the total sales volume of GAC Ai ‘an.

According to the sales introduction of an Ai ‘anmen store in Beijing, in July, the store just delivered more than 50 AION Y 2023 Plus 610 smart collar versions, and the buyer was a leasing company in Beijing.

However, the market dividend of the network car is peaking, and the pressure of GAC Ai ‘an is obvious.

The data shows that the proportion of pure electric vehicles in the online car market has risen sharply from 10.4% in 2016 to 84.9% in 2023.

Since 2023, dozens of cities, such as Guangzhou, Shenzhen, Sanya, Shanghai and Zhuhai, have successively issued risk warnings for the online booking taxi industry, suggesting that the number of cars in the relevant cities has reached saturation and the industry prosperity is close to the warning line. Sanya, Shanghai and Guizhou even suspended the acceptance of the network car transport license.

According to the insurance amount data of Ai ‘an brand compiled by Gaspar Automotive Research Institute, in the first four months of this year, the cumulative sales volume of Guangzhou Automobile Ai ‘an in the B-end and C-end markets dropped sharply compared with the same period of last year. In the B-end market, the cumulative sales volume of Ai ‘an brand was 47,000 units, down 26.6% year-on-year. In the C-end market, the cumulative sales volume of the Ai ‘an brand in the same period was 39,000 units, down 26.4% year-on-year. Specific to the sales volume of various provinces and cities, the sales volume of Ai ‘an in Guangdong Province, the base camp, dropped significantly. The cumulative sales volume of Guangdong Province from January to April last year was 44,000 vehicles, but this year it was reduced to 30,000 vehicles. Except for Guangdong Province, the cumulative sales of Guangzhou Automobile Ai ‘an brand in other provinces and cities in the first four months did not exceed 10,000.

Kelly, senior analyst of Analysys, pointed out that,The decline in sales volume of Ai ‘an also has a certain relationship with brand positioning."Ai’ an has always been the representative of the online car. At present, the online car market is basically saturated. Ai’ an can’t make efforts on the online car, and the long-term brand awareness and brand image are relatively low-end, so the family car is rarely considered."

Why does the network become a shackle?

According to Gui Lingfeng, director of Kearney Management Consulting Greater China, Ai ‘an is a typical example of the whole independent brand, that is, it does not touch the essence of building a luxury brand: brand tonality, group endorsement and system support.

In the past few years, Ai ‘an has crossed the scale threshold in a short time by relying on the online car market, and has become the only state-owned new energy automobile brand with successful market transformation. According to the announcement of Guangzhou Automobile Group on the evening of October 20, 2022, its subsidiary Guangzhou Automobile Ai ‘an Series A raised 18.294 billion yuan and released 17.72% shares. Based on this calculation, the valuation of GAC Ai ‘an at that time had exceeded 100 billion yuan.

But up to now, there is still no car company that is highly dependent on the B-end market and has achieved real success in the commercial sense. BYD has a long history of new energy taxis in the past, but with years of technology accumulation, it has changed consumers’ inherent cognition of the brand.

In order to get rid of the dependence on the online car market, since 2021, Ai ‘an has taken a series of measures to reduce the proportion of B-ends, such as launching Ai ‘an S Plus to replace the original market of Ai ‘an S labeled as online car, and launching Ai ‘an Y and Ai ‘an V,In order to drive the proportion of C-end of Ai ‘an brand to increase.

In September 2022, GAC Ai ‘an launched Haobo, a luxury pure electric brand, and simultaneously unveiled the first electric supercar Hyper SSR with a price of more than one million. Subsequently, the company successively launched two production models, namely Haobo GT and Haobo HT. Among them, the official price of Haobo GT is 219,900 ~ 339,900 yuan, which is against Tesla Model Y；; The official price of Haobo HT is 213,900 ~ 329,900 yuan.

From a technical point of view, Haobo brand is highly valued, including 800V 5C ultra-fast charging, magazine battery 2.0 technology, zoom lidar, and NOA, a city that can cover the whole country. Haobo brand is also actively building a charging and replacing power station network. As of April 2024, Haobo has 1,200 super charging and replacing power stations nationwide, which is second only to Weilai automobile charging and replacing power network.

However, the investment in new models and the construction of charging and replacing infrastructure have not brought about a significant increase in sales. The data shows that the total sales volume of Haobo brand in 2023 was 8087 vehicles. In June this year, the sales volume was only 904 vehicles, and the cumulative sales volume in the first half of this year was more than 6,000 vehicles.

Kelly believes that there are two key factors affecting the sales of Haoplatinum: First, the marketing offensive is not fierce enough; Second, some public opinion events were not handled properly, such as basketball players’ public speaking and failure to fulfill their promises, and Zhou Hongyi’s being pinched, which all affected Haobo.

In addition, in 2024, the competition in the new energy market is becoming increasingly fierce. In the face of industry involution, Kelly believes that Ai ‘an needs to further "enhance product strength and strengthen marketing promotion".

Transformation is imminent.

Behind the stall of Guangzhou Automobile Ai ‘an is that Guangzhou Automobile Group is facing a dilemma in the strategic transformation of "oil to electricity".

At the 2024 China Auto Chongqing Forum, Ceng Qinghong, the chairman of Guangzhou Automobile Group, criticized the current "involution" phenomenon in the automobile industry, and called on the automobile industry to adhere to long-term doctrine and avoid falling into endless price wars. At the same time, when the proportion of pure electricity in new energy vehicles reaches 50%, it should promote "oil and electricity have the same rights", that is, new energy vehicles should enjoy the same rights as traditional fuel vehicles in government procurement, automobile license plates, car purchase restrictions and consumption subsidies.

In 2023, Guangzhou Automobile Group sold a total of 2.505 million vehicles, up 2.92% year-on-year, and the sales volume has been increasing for three consecutive years, and it broke through the 2.5 million vehicle mark for the first time. By this year,From January to July, the cumulative sales volume of Guangzhou Automobile Group was 1,004,200 vehicles, down 25.83% year-on-year.Among them, Guangqi Honda sold a total of 241,200 cars, down 27.34% year-on-year; GAC Toyota sold a total of 522,800 vehicles, down 25.48% year-on-year.

As the main sales and profits of Guangzhou Automobile Group come from the joint ventures of Guangzhou Automobile Toyota and Guangzhou Automobile Honda, the group’s performance is also under significant pressure. The financial report shows that in 2023, GAC achieved revenue of 129.706 billion yuan, up 17.62% year-on-year, but its net profit was only 4.429 billion yuan, down 45.08% year-on-year. By this year, the company’s operating income and net profit have both declined. In the first quarter, GAC achieved revenue of 21.566 billion yuan, down 18.79% year-on-year; The net profit was 1.22 billion yuan, a year-on-year decrease of 20.65%.

The decline in the market share of joint venture products also forced Guangzhou Automobile Group to carry out comprehensive transformation.

Take GAC Toyota as an example. According to the data of the Association, its market share was 4.2% in 2023, and in July 2024, this share fell to 3.4%.

Guangqi Toyota and Guangqi Honda have already started the strategy of electrification in an all-round way. At the performance briefing in 2023, Ceng Qinghong said that the joint venture is an important part of Guangzhou Automobile Group. On the one hand, the company’s joint venture strengthens the competitive advantage of fuel, especially HEV, and gains a larger share in the fuel automobile market; On the other hand, it is actively promoting the transformation of new energy.

As an independent brand of Guangzhou Automobile, Ai ‘an shoulders the heavy responsibility of developing new energy vehicles of Guangzhou Automobile Group.

In response to the continuous decline in sales of Ai ‘an this year, Gu Huinan once admitted: "In the first half of this year, neither Haobo nor Ai ‘an listed new cars, and the technical route has not covered PHEV yet. It is normal to encounter difficulties temporarily."

He said that in the second half of the year, a new car will be launched every two months, and the products will enter an intensive launch period. REV (electric-oil hybrid vehicle), plug-in hybrid and extended-range models will be launched in 2025.

At the end of July this year, GAC Ai ‘an launched a brand-new pure electric A-class SUV model, Ai ‘an V Tyrannosaurus Rex. As the first global strategic model of Ai ‘an, the price of Tyrannosaurus Rex is 129,800 ~ 189,800 yuan, mainly for the mainstream home SUV market.

In addition, the product code-named "AY3" will be unveiled in August and listed in September; The code name "AH8" is Haobo’s first full-size six-seat flagship SUV, which will be unveiled in September; The product code-named "AY2" will be unveiled at Guangzhou Auto Show in November this year.

In order to seek new increment, Guangzhou Automobile Ai ‘an also began to expand into overseas markets. In the first half of this year, GAC Ai ‘an entered 19 countries and regions. Among them, on July 17th, Guangzhou Automobile Ai ‘an Thailand Smart Factory was officially completed and put into operation, with an estimated annual output of 50,000 units, and the capacity will be gradually expanded to 100,000 units in the future. During the year, the Indonesian factory will also be put into production. Next, GAC Ai ‘an will also enter Qatar, Mexico and other countries.

In the critical period of IPO, can GAC Aian overcome the difficulties and break through the dilemma?

　　With the rapid development of technology, in order to achieve better fuel economy and ride comfort, many models on the market are equipped with 8-speed or even 9-speed automatic gearboxes, and even manufacturers are developing 10-speed gearboxes. Of course, these models are expensive. For normal household use, CVT continuously variable transmission and 6AT can achieve both comfort and fuel economy. However, due to cost constraints, automatic transmission models below 100,000 yuan often use mature but relatively outdated 4-speed or 5-speed transmissions, but they are not rare. Here we recommend several models with 6-speed automatic transmission or CVT continuously variable transmission within 100,000 yuan, hoping to help you buy a car.

　　

　　● Interpretation of CVT continuously variable gearbox-

　　Related technologies: steel belt, chain, hybrid EVT.

　　Continuously variable transmission is also called CVT, Audi is named multitronic, Subaru is named Lineartronic, and Nissan is named XTRONIC. The difference with stepped AT transmission is that its speed ratio is not a discontinuous point, such as several gears, but a series of continuous values, thus achieving good economy, power and driving comfort, and reducing emissions and costs. In view of its smooth acceleration characteristics, it is slightly inferior to other gearbox products in terms of pure performance.

　　

　　Advantages:CVT replaces the transmission gear of the traditional automatic transmission, and is driven by steel belt or chain. In normal automatic transmission, the shift impact and frustration disappear, which is the best among several types of gearboxes in terms of comfort. The gearless CVT gearbox has very linear power output and smooth driving, which can simulate infinite gears to achieve many balances of performance, fuel saving and exhaust emission. In addition, the CVT gearbox is light in weight and small in size.

　　Insufficient:The disadvantages of CVT are also obvious. Compared with the traditional automatic transmission gearbox, the manufacturing cost of CVT gearbox is slightly higher, the transmission belt is easily damaged, and it can’t bear large torque. At present, the maximum displacement is limited to 3.5L engine models. In addition, the structural principle is inseparable from mechanical wear, and the service life of steel belt can’t be solved perfectly. Meanwhile, the smooth transmission characteristics also bring slow acceleration response, and the demand for intense driving is not as good as that of other automatic transmission models.

　　● Interpretation of AT automatic gearbox-

　　Related technologies: 4AT, 5AT, 6AT, 7AT, 8AT, 9AT.

　　AT automatic transmission, that is, using planetary gear mechanism to change speed, can automatically change speed according to the degree of accelerator pedal and the change of vehicle speed. The driver only needs to control the speed by manipulating the accelerator pedal. Hydraulic transmission+mechanical transmission-hydraulic transmission is the hydraulic torque converter, and mechanical transmission is the planetary gear set. This is the most widely used product in automobile transmission at present, from the earliest 4-speed to the highest 9-speed or even 10-speed at present, and the automatic transmission technology is advancing by leaps and bounds.

　　

　　Advantages:AT doesn’t use clutch to shift gears, and the gear changes little and the connection is stable, so it is easy to operate, which brings convenience to drivers and comfort to passengers.

　　Insufficient:First, it is slow to respond to speed changes and is not sensitive to manual transmission, so many car players like to drive manual transmission; Second, the oil consumption is uneconomical, the transmission efficiency is low and the torque range is limited. In recent years, the introduction of electronic control technology has improved this problem; Third, the mechanism is complex and difficult to repair. However, with the development of technology, the gearbox above 6AT can solve a series of problems such as slow response and oil consumption.

　　● Interpretation of dual clutch gearbox-

　　Related technologies: dry, wet, 6-speed, 7-speed, 8-speed.

　　Powershift is different from ordinary automatic transmission system, which is based on manual transmission and belongs to automatic transmission. Besides the flexibility of manual transmission and the comfort of automatic transmission, it can also provide uninterrupted power output. In layman’s terms, this type of gearbox has two clutches, one for controlling the 1st, 3rd and 5th gears and the other for controlling the 2nd, 4th and 6th gears. When using the first gear, the second gear is ready. Similarly, the shift time is greatly shortened without delay.

　　

　　Advantages:Compared with the traditional planetary gear automatic transmission, it is more conducive to improving fuel economy and reducing fuel consumption by about 15%; There is almost no torque loss during gear shifting; When the high gear is in the preparation state, the upshift speed is extremely fast, reaching an astonishing 8 milliseconds, almost faster than the best manual gear driver;

　　Insufficient:The development cost of double clutch gearbox is high, and the double clutch is precise and complicated, which leads to the high price of the car. The dual clutch gearbox is heavier and bulky than the traditional manual gearbox or even the automatic gearbox. The maximum transmission torque of dual clutch gearbox is low, which limits the modification space of engine; The gearbox lubricating oil needs to be replaced regularly according to the requirements of the manufacturer, and the replacement cost is not cheap; The failure rate is still slightly higher than the traditional mature gearbox system.

　　● BYD’s new F3 energy-saving version

　　Gearbox: 6-speed dual clutch independently developed.

　　Automatic transmission price: 65,900-72,900 (Huimin subsidies 3,000 yuan)

　　BYD’s brand-new F3 "energy-saving version" model has been officially listed in China recently, with a price range of 51,900-72,900 yuan, and all departments enjoy an energy-saving subsidy of 3,000 yuan. The new car has been adjusted in appearance, power and configuration, which is expected to further strengthen the advantages of BYD F3 products, and at the same time, it is expected to become the lowest-priced model equipped with 6AT gearbox.

　　● Wheel hub style changes, increasing NVH improvement.

　　

　　

　　

　　The new F3 energy-saving version adopts a new wheel hub shape, adding another trendy element to the appearance; At the same time, NVH improvement, overall noise reduction and paint improvement have greatly improved the quality of the whole vehicle, and consumers will get a more comfortable driving experience.

　　● A variety of interior color matching styles, and the overall configuration has been improved.

　　

　　

　　

　　

　　On the basis of the original color matching design, brown interior and dark interior are added to provide consumers with more choices. The high-profile models have dual navigation systems such as car TV, car Bluetooth, Beidou and GPS, and are equipped with the same level of seconds kill. In addition, automatic transmission models are also equipped with ESP whole vehicle stability system to improve driving safety.

　　● High ride comfort, space to continue cash.

　　

　　

　　Although the wheelbase is still 2600mm, which is the same as that of the previous generation, it basically meets the daily requirements in terms of seating space, and the overall performance is that it belongs to the mid-range level in compact cars, and it is no problem to meet the needs of ordinary households.

　　● Sufficient power performance and brand-new 6-speed automatic gearbox.

　　

　　This model is equipped with a 1.5L naturally aspirated engine, with a maximum power of 80kW(109PS) and a maximum torque of 145Nm. The transmission system provides two options: 5-speed manual or 6-speed automatic. It is worth mentioning that the BYD DCT gearbox has adopted a new set-up, which has significantly improved fuel economy and smoothness.

　　

　　Summary:The features of the new BYD F3 energy-saving version are very prominent, and its extremely rich configuration is its killer. The new model has further improved the configuration. After the subsidy for Huimin, you can enjoy many leapfrog configurations for less than 70,000 yuan, which is believed to have great temptation for most consumers. Not only that, the latest 6-speed dual-clutch gearbox model is in the leading position in terms of technology and comfort.

　　● Changan Suzuki Qiyue

　　Gearbox: Aisin 6-speed automatic manual integration

　　Automatic transmission price: 99,900-121,900 (Huimin subsidies 3,000 yuan)

　　Changan Suzuki Qiyue, which has just been listed for less than a short time, is a junior in the compact car market. Obviously, its struggle road is not so easy, but it has the cost-effective advantage of a joint venture 6AT automatic transmission model of less than 100,000 yuan. Many unique features are also one of its competitiveness, no matter from the body design or driving experience.

　　● Appearance continues. Concept car design is streamlined and dynamic.

　　

　　

　　

　　

　　For friends who often pay attention to Suzuki models, Suzuki Qiyue is not unfamiliar with this new car. As early as the Beijing Auto Show in April this year, Suzuki released the prototype of this car-the –ALIVIO concept car. The production version of Suzuki Kaiyue we see today almost completely continues the design language of ALIVIO concept car, and at the same time, some adjustments have been made in details, especially the tail feels like a small steel gun.

　　● Numerous leapfrog comfort configurations

　　

　　

　　

　　

　　The interior design is practical at home, and the shape of the center console is basically symmetrical. The color scheme with deep top and shallow bottom is also the most comfortable and practical color scheme. The configuration of the air outlet of the rear air conditioner was unexpected. You know, there are very few models with this configuration in this class. It seems that paying attention to the comfort of rear passengers has spread to the compact car market. At the same time, the high-profile models also have the steering wheel shift function, which is extremely rare in 100,000 models.

　　● The spatial performance is remarkable.

　　

　　

　　Although the axle is only 2650mm, the space performance of Kaiyue is remarkable, and the experiencer with a height of 180cm has enough comfortable space, which is no less than the effect of some sports medium-sized cars, especially the rear leg is very large.

　　● The powertrain has excellent fuel economy, and Aisin 6AT is mature.

　　

　　In terms of power, Kaiyue is equipped with G-INNOTEC 1.6L all-aluminum VVT naturally aspirated engine and 6-speed automatic manual transmission from Aisin Japan. In today’s compact car market where supercharged engines are rampant, such power matching is slightly conservative. However, the official fuel consumption of 100 kilometers comprehensive working condition is only 5.3L, so it can be said that this is a mature and economical power choice in power matching.

　　

　　Summary:Kaiyue’s biggest killer is its superior rear-row experience and incomparably fuel-efficient powertrain. Apart from the engine, the 6AT gearbox is indispensable. In addition, the sun shade, legroom, and rear air outlet, which can be called leapfrog configurations, all appeared on this compact model. Changan Suzuki Qiyue’s design direction is very targeted to Chinese people. Obviously, it has done in-depth research in China at the beginning of the design, and the "non-mainstream" price is definitely the most urgent demand of prospective car owners.

　　● Hippocampal Familia M5

　　Gearbox: modern 6-speed automatic manual integration

　　Automatic transmission price: 88,900-118,900

　　In 2002, the first generation of Familia Haima came out. In the past 12 years, three generations of products have achieved more than one million sales, which proved their own value. As the fist product of Haima Automobile, Familia gradually faded into people’s field of vision in the automobile tide. In order to enhance the brand competitiveness, a new generation of Familia Haima came into being in 2014, which was jointly built by many top international teams. The fashionable and dynamic shape changed from the calm style in the past, and the gearbox will use 6MT and 6AT, with leading technical content.

　　● The front face looks like the Buick family, and the overall design is fashionable and dynamic.

　　

　　

　　

　　At first glance, I saw a new generation of hippocampus Familia M5, which was very young in appearance and more catered to the aesthetics of young people. However, deja vu faces still make Buick Regal emerge in our minds for the first time. In particular, the shape of the net and the straight waterfall air intake grille are carved in the same mold, and the slender headlights and the sporty front bumper are full of charm, and the international fashion sense arises spontaneously.

　　● InteriorFashion design conforms to young people’s aesthetics.

　　

　　

　　

　　

　　

　　The new generation Familia M5 interior is also dynamic and fashionable, with exquisite materials and solid workmanship. As a whole, it adopts two color schemes of black orange and black rice, with black orange matching fully showing the sports style and black beige matching to create a warm home style. The center console is biased towards the driver’s side, with simple and generous design, clear operation interface and clear functional area; The fly in the ointment is that most of the central control materials are hard and plastic, which does not show a sense of grade, but the integration of carbon fiber elements is one of the highlights. In terms of function, compared with the old model, Bosch’s ninth generation ESP stabilization system is added, and the response speed is faster and safer.

　　● Satisfactory spatial performance.

　　

The wheelbase of 2685mm is the leading level in the same class. Of course, for those super A+ compact cars with a wheelbase of more than 2700mm, there is still a long way to go, but it still creates ample rear legroom. At the same time, for the experiencers with a height of 180cm, both the front and rear head space are basically satisfied. It is commendable that the seat comfort is excellent in the same class, and both the wrapping and the support are satisfactory.

　　● Advanced engine technology and mature performance of modern 6AT.

The 1.6-liter naturally aspirated engine of Familia M5, a new generation, is the second generation product independently developed by Haima. Four technologies, such as plastic variable length intake manifold (VIS), aluminum alloy cylinder block and cylinder head, 4-1 tightly coupled exhaust manifold, and engine lightweight, are applied, and the engine performance is further improved, with better fuel economy, energy saving and environmental protection. At the same time, the combination of 6MT and 6AT gearboxes can be regarded as a higher level in the same level, and the actual use of 6MT gearboxes is clear, while 6AT gearboxes come from modern 6F24 models in Korea, so there is no doubt about the reliability maturity. The new generation Familia M5 inherits and promotes the Familia brand champion chassis gene, and the chassis is solid and steady.

　　

　　Summary:Familia M5 inherited the control advantages of the old Familia, and the upgrade of internal and external styling brought a sense of fashion and grade, making it easier to attract face-oriented consumers. However, in the market surrounded by many competitors, the power of 1.6L is a bit stretched, but the modern 6AT gearbox is still in the advanced ranks among competing models at the same level, not inferior to Aisin products.

　　● Dongfeng is popular-Jingyi S50

　　Gearbox: CVT continuously variable in Bang Qi, Belgium.

　　Automatic transmission price: 79,900-102,900

　　Dongfeng Fengxing is the manufacturer of MPV in the impression. Although SUV models were involved later, Lingzhi, the MPV model it produced, is still an important part of the whole Dongfeng Fengxing. Last year, Dongfeng Fengxing launched the first family car Jingyi S50, and the listing of this family car also means that Dongfeng Fengxing has taken an extremely important step in the field of passenger cars.

　　● A design that satisfies the aesthetics of most consumers.

　　

　　

　　

　　Jingyi S500 has its own high recognition in design. The appearance created by the independent design team tends to be young and energetic, but the appearance that does not excessively pursue individuality conforms to the tastes of most consumers, and also conforms to the original intention of Dongfeng to create for young people.

　　● ESP is standard in the whole system, which is rare at the same level.

　　

　　

　　

　　

　　

　　The traditional T-shaped layout in Jingyi S50 interior is simple but very regular. It is worth mentioning that Jingyi S50 adopts all-black interior, supplemented by silver decorative strips, which makes the interior look equally dynamic and echoes the exterior design well. In terms of configuration, the ESP body stability control system from Bosch is the standard configuration of Jingyi S500. In addition, the top model is also equipped with side airbags and front and rear head air curtains. In terms of safety configuration, Jingyi S500 does have certain advantages compared with the same price model.

　　● Space performance is almost perfect at the same level.

　　

　　

The wheelbase of 2700mm is leapfrog, which brings a large space in the back row. For those who are 178cm tall, they can easily tilt their legs on the premise of keeping the front row unchanged, and the head space in the front and rear rows is also very plentiful.

　　● The engine comes from Mitsubishi technology. The CVT gearbox comes from Bang Qi.

　　

　　In terms of power, Jingyi S500 has two different displacement engines, 1.5L and 1.6L, which are different according to the different gearboxes of the engines. The 1.6L model is equipped with a 4A92 engine from Mitsubishi, with a maximum power of 90Kw and a maximum torque of 151 N m. It is matched with a 6-speed CVT gearbox that can be manually simulated, while the 1.5L model is matched with a 5-speed manual gearbox provided by GETRAG, Germany, and the 1.6L engine is matched with a CVT gearbox provided by Bang Qi, Belgium.

　　

　　Summary:As the first family car of Dongfeng, it can be seen that the manufacturer is still more careful. Although the appearance and interior have not been designed too much, the doctrine of the mean is indeed a relatively safe choice for a model used to open up the market. The performance in space is particularly outstanding. Both manual and automatic gearboxes are from famous houses, and the price of less than 100,000 yuan can also be a great help for Jingyi S50.

　　● FAW-Volkswagen New Jetta

　　Gearbox: Aisin OEM 6AT automatic manual integration

　　Automatic transmission price: 98,300-119,300.

　　It doesn’t seem to be an exaggeration to say that Jetta is an "old friend" of China people. It has been nearly 24 years since the first Jetta was officially rolled off the assembly line in Changchun in December 1991, and there is no doubt about the reputation of the old Jetta. Now, the new Jetta has been on the market for some time. Judging from the current market feedback, it has not eclipsed the past aura. On the contrary, it still relies on the Volkswagen gold-lettered signboard and the powertrain that does not lose the same level.

　　● More popular design.

　　

　　

　　The new Jetta is no longer a square-headed, square-brained model, completely getting rid of the shackles of the traditional impression in the past, but one thing remains unchanged: simplicity and mediocrity are still the main theme of the whole car. Compared with the old Jetta (4415×1674×1415mm, with a wheelbase of 2471mm), the new Jetta has a size of 4487/1706/1470 mm and a wheelbase of 2603.

　　● Interior design conforms to Volkswagen standard style.

　　

　　

　　

　　

　　The classic of the public is that you won’t do too many articles on the surface. Only you have a deep experience can you taste the subtlety of the design, and the interior design is absolutely standard and popular. Limited by the cost, the new Jetta doesn’t have many comfortable functions, but it is completely sufficient for daily use, selling gold-lettered signboards.

　　● Space performance is enough for home use.

　　

　　

The exterior size of the new Jetta is not outstanding, but the internal space is not thin at all. The model with a height of 1.8 meters and a strong body sits in the car, and space is not a problem at all. Of course, if there are three male adults in the back row, the lateral width will be relatively crowded, especially in winter when wearing heavy clothes.

　　● Volkswagen E211 engine matches 6AT gearbox.

　　

　　The new Jetta is equipped with a brand-new EA211 series engine, with two displacements of 1.4L and 1.6L. Among them, the 1.6L automatic luxury type has a maximum power of 81kW/6000rpm and a maximum torque of 160Nm/3800rpm, matching the brand-new 6-speed automatic transmission, which is manufactured by Aisin Company of Japan and has excellent maturity and stability.

　　

　　Summary:Compared with the current competitors, the new Jetta is better than the competitors in driving comfort and driving convenience. Although the power parameters are not as good as those of some models with T, the overall matching will give you a more ideal driving experience, among which EA211 engine and 6AT gearbox are indispensable. In some details, the new Jetta will think more and give you more practical configurations, rather than a display, a very complicated operation and unreasonable control. In terms of price, including several thousand yuan discount, if there are not too many requirements for configuration, the automatic transmission can be done within 100,000 yuan.

　　● Dongfeng Nissan New Sunshine

　　Gearbox: Nissan CVT continuously variable speed.

　　Automatic transmission price: 89,800-112,800.

　　When it comes to Nissan, I believe everyone’s first reaction will be to save fuel, have a large space and have excellent comfort. Adhering to these advantages, in February this year, Sunshine ushered in a small change, closer to the family-style front face changes, and the introduction of navigation system in high-profile models, which once again enhanced its freshness and practicality, while continuing to use the continuously variable powertrain.

　　● The new appearance is slightly changed, which is more in line with the family design.

　　

　　

　　The appearance of the new sunshine has not changed drastically, but the details have been optimized to some extent. The enlarged X-shaped front air intake grille is more atmospheric, and the headlights with more sharp edges and corners make it more in line with the family concept. In addition, the chrome-plated decorative strip added on the periphery of the circular fog lamp area makes the whole front face more textured than the old one.

　　● Interior design conforms to Volkswagen standard style.

　　

　　

　　

　　

　　Compared with the appearance, the new sunshine has changed more in the interior. Compared with the more moderate interior design of the old model, this change looks much more fashionable, and the design style of the three-position steering wheel is more suitable for the family style. At the same time, the new Sunshine will upgrade the DA navigation for car owners free of charge (except for the top and lowest equipment). The increase of this touch-screen multimedia system makes the new Sunshine keep pace with the times compared with the old one because the old one is not equipped.

　　● Excellent spatial performance as always.

　　

　　

Generally speaking, the sunshine space can still be ranked in the middle and upper reaches of compact cars with the same price. Although the shape data is not outstanding, the passenger compartment has been taken care of the most and the layout is reasonable. In addition, the comfort of the seat is also very good, which inherits the glorious tradition of Nissan and is worthy of recognition.

　　● Nissan’s most fuel-efficient powertrain: 1.5L+CVT.

　　

　　In terms of power, New Sunshine is still equipped with the same 1.5L four-cylinder naturally aspirated engine as the old one, with a maximum power of 112 HP (82 kW) /5600rpm and a maximum torque of 139 Nm /4000rpm. There is no change in the gearbox, and Nissan’s CVT continuously variable gearbox is still used, which has outstanding fuel-saving and smooth effect.

　　

　　Summary:The main change of the new sunshine lies in the appearance. A lot of chrome-plated decoration and the latest family design make the whole car look more atmospheric and should attract more home users. In terms of space and driving, it inherits all the advantages of the old model, which is energy-saving, easy to drive, smooth and comfortable, and its performance fully conforms to its positioning. Of course, it is inseparable from that advanced CVT gearbox.

　　【 Conclusion 】Looking back on the past, it is quite gratifying to have a 5-speed automatic gearbox model in the choice of a 100,000-yuan family car. Most of them are 4AT gearbox models, which are not ideal in terms of fuel-saving effect or driving comfort. Therefore, most consumers prefer to choose manual models. With the continuous innovation of technology, 6AT and CVT gearboxes have become the mainstream, and both comfort and fuel-saving have just met the consumption crowd of 100,000 car buyers. Among them, many products come from many big-name manufacturers, such as Aisin, Bang Qi, Nissan, etc. There is no doubt about maturity and reliability. Even the 6-speed dual clutch independently developed by BYD is eye-catching and has better performance. Of course, how to choose between 6AT and CVT? I believe that fuel economy is the first, and good driving is the second. We will see after the test drive!