标签： 上海龙凤论坛

On November 17th, Guangzhou Auto Show officially opened. At the auto show, Kia brand brought a brand-new compact pure electric SUV EV5, which started at less than 150,000 yuan, which was more competitive among joint venture brands and even entered the price range of its own brand pure electric SUV. The Beijing News Shell Finance reporter was also invited to participate in an exclusive interview with Yang Honghai, chief operating officer of Kia China. Yang Honghai said that Kia brand will stick to the concept of "in China, for China" and continue to increase R&D investment. At present, Kia has completed the landing of two new cars in the China market, and will continue to expand the charging network, channels and service content in the future.

Yang Honghaitu/Enterprise official website

Kia will not withdraw from the China market and will continue to increase investment in research and development.

Beijing News Shell Finance:Will KIA continue to invest in the China market? What localization business has the enterprise promoted for the China market?

Yang Honghai:First of all, Kia will never withdraw from the China market. Kia has always attached great importance to the China market and will pay more attention to it in the future. Following the EV Day in March, Song Husheng, global CEO of Kia, came to China for investigation again today, and stressed that success in China market is the key to Kia’s global success.

In order to better understand the China market and better serve China consumers, we have set up China Institute of Technology, China Forward Digital R&D Center and China Big Data Center in China. Therefore, we can fully combine the characteristics of China market and the needs of consumers in China to conduct targeted product and technology research and development.

Previously, we put forward the concept of "China, China", and EV5 is the product under this concept. Not only did nearly 400 engineers from China participate in the research and development of this model, but the company also extensively investigated the needs of users in China, and combined with the research results, the EV5 was adjusted and optimized several times to better meet the needs of users in China.

We are still trying to follow the characteristics of China market and change with the preferences of users in China. For example, we have cooperated with China head technology companies Baidu and Tencent to bring a car experience that is more suitable for China consumers. On EV5, we took the lead in carrying the car WeChat, which is a leading brand in the joint venture.

In China, electric vehicle users are accustomed to using the "one-stop service" brand APP, so this year we have built the Kia APP, which will be launched in December; For another example, in order to meet the needs of users’ intelligence, we are cooperating with Baidu ERNIE Bot to develop a brand-new car system, and have obtained the L4 automatic driving license in China and started the road test.

In the future, Kia will adhere to the concept of "China, China", continuously increase R&D investment, systematically analyze the characteristics of China market and users’ needs, introduce more innovative technologies and high-value products that meet the needs of China users, and continue to expand investment in China to enhance the comprehensive experience of China users on Kia brand.

In addition, Kia has also firmly practiced social responsibility in China, with accumulated capital investment exceeding 110 million yuan, and won the "Golden Bull Award for Responsibility" issued by the Forum of 100 Responsible Persons for five consecutive years, ranking first among joint venture car companies in social responsibility index for four consecutive years. At the end of October, the company was selected as one of the top ten ESG brands in China automobile industry, which is a recognition of our efforts in environment, society and governance, and the company won the "Responsibility Award" again in the social responsibility exhibition held in Beijing today.

The new car EV5 focuses on the post-80s and post-90s families, and more vehicle configurations will be listed next year.

Beijing News Shell Finance:Kia released its new energy strategy in March 2023. What achievements have been made so far?

Yang Honghai:Kia’s electrification transformation involves many fields. In terms of products, we have achieved two layouts. Kia launched the EV6 in August, positioning the high-energy pure electric coupe. At the auto show, we also launched the EV5 in China for the first time, which is a heavy strategic model of Kia.

In terms of channels, we promote "linkage between old and new". In terms of new channels, brand-new 4S stores that Kia cooperates with large dealer groups such as Simami, Jinlong and Xinhanma have been opened in core cities across the country. At the same time, we are gradually upgrading the national dealer exhibition hall SI 2.0, and Kia will build a more perfect sales and service system that matches the electrification era, and also bring users a more pleasant and convenient new experience.

In terms of charging network, Kia has established a full-speed charging network with "one super, one fast and one slow". First of all, we join hands with Shell to build brand overcharge stations that can realize 800V charging in major cities across the country; At the same time, we also expand the layout of the basic charging network by cooperating with Kuaidian (Energy Chain Smart Power) charging enterprises and laying charging piles for dealers, so as to provide users with efficient and convenient charging services.

In terms of service, we have created a "one-stop service center" for users. We have invested a lot of time and money to develop the brand-new Kia APP, and now it has started internal testing and will be officially launched in December. Kia APP will bring users experience upgrades from all areas of car life such as car purchase, car use, service, socialization and entertainment.

Beijing News Shell Finance:Who will the new car EV5 focus on, and what are the plans for the brand next year?

Yang Honghai:EV5 is a global vehicle launched by Kia in China, and it is also the core vehicle of Kia’s electrification transformation. Our user group will focus on the post-80s and post-90s families who are keen to explore new life and pay attention to quality life. We believe that EV5 will be the "ever-changing intelligent cabin" to accompany home users. In addition to the competitive price of 149,800 yuan, excellent product strength is also a big advantage.

In 2024, in addition to providing the first 530 standard endurance version, we will also launch the long endurance version and GT-Line version next year to meet the diverse needs of users.

Beijing News Shell Financial Reporter Bai Haotian

Editor Bai Huabing proofreads Junyan Zhang.

　　According to the China Banking and Insurance Regulatory Commission website on the 17th, five ministries and commissions, including China Banking and Insurance Regulatory Commission, China, jointly issued the Notice on Further Regulating the Supervision and Management of College Students’ Internet Consumer Loans to further standardize the supervision and management of college students’ Internet consumer loans and earnestly safeguard the legitimate rights and interests of college students. The full text is as follows:

　　All banking insurance regulatory bureaus, information offices of provinces (autonomous regions, municipalities directly under the Central Government and cities with separate plans), Xinjiang Production and Construction Corps, Education Department (Education Bureau, Education Committee), Public Security Department (Bureau), local financial supervision and administration bureau, Shanghai headquarters of China People’s Bank, branches, business management departments, provincial capital city center branches, sub-provincial city center branches, major banks and joint-stock banks, and institutions of higher learning affiliated to the central government:

　　Recently, some small loan companies have targeted the university campus, conducted induced marketing through cooperation with technology companies, and issued internet consumption loans for college students (hereinafter referred to as college students), which lured college students into excessive consumption ahead of schedule, causing some college students to fall into the trap of high loans, infringing on their legitimate rights and interests, and causing bad social impact. In order to further standardize college students’ Internet consumption loan business and strengthen education and guidance, relevant matters are hereby notified as follows:

　　First, strengthen the supervision and management of college students’ Internet consumer loan business

　　(A) regulate the Internet consumer loans lending behavior of college students

　　Microfinance companies should strengthen the substantive verification of the identity of loan customers, and should not set college students as the target customer groups of Internet consumer loans, nor should they conduct precise marketing for college students, nor should they issue Internet consumer loans to college students. The outsourcing cooperative institutions of lending institutions shall strengthen the screening of customers, and shall not use false, misleading or induced publicity and other improper means to induce college students to consume ahead of time and borrow excessively, nor shall they accurately market for college students, nor shall they push and drain college students to lending institutions.

　　Banking financial institutions should strictly abide by the risk bottom line, prudently carry out college students’ Internet consumer loan business, establish and improve appropriate risk management systems and early warning mechanisms, strengthen pre-loan investigation and evaluation, and attach importance to post-loan management and supervision to ensure that risks are controllable.

　　Institutions established without the approval of the banking regulatory department or the local financial regulatory department may not provide credit services for college students.

　　(B) strict risk management of college students’ Internet consumption loans

　　In order to meet the reasonable consumer credit demand of college students, all banking financial institutions can develop targeted and differentiated Internet consumer credit products under the premise of controllable risks, follow the principles of small amount, short-term and controllable risks, strictly limit the loan balance of the same borrower and the total business scale of college students’ Internet consumer loans, strengthen product marketing management, and strictly examine the qualifications of college students to improve asset quality.

　　In order to strengthen marketing management, banking financial institutions and their cooperative institutions should not conduct online accurate marketing for college students. Offline marketing publicity activities carried out on campus should be reported to the regulatory authorities of the marketing area in advance, and the specific place, date, time and content of marketing activities should be informed in advance and the consent of the educational institutions should be obtained. Marketing activities should not use deceptive, misleading or induced publicity to induce college students to apply for consumer loans.

　　It is necessary to strictly examine the pre-loan qualifications, substantively examine and identify the identity of college students and the real loan purpose, comprehensively evaluate the credit information, income, tax and other information of college students, fully understand the credit status, strictly implement the second repayment source of college students, confirm the authenticity of the identity of the second repayment source by telephone and other reasonable means, obtain written guarantee materials that the second repayment source (parents, guardians or other managers, etc.) with repayment ability agrees with their loan behavior and is willing to repay on their behalf, and strictly control the credit qualification of college students.

　　It is necessary to strengthen post-loan management to ensure that the flow of loan funds conforms to the provisions of the loan contract; Properly handle overdue loans, standardize collection management, and prohibit any violent collection behavior that interferes with the normal study and life of college students; Timely grasp the changes of college students’ capital flow and credit status, improve the response plan, and ensure that the overall business risk of college students’ Internet consumer loans is controllable.

　　It is necessary to strengthen the personal information security protection of college students, establish and strictly enforce the rules and regulations to ensure information security, take effective technical measures to properly manage the basic information of college students, and not send the information of loan students to third-party institutions, or illegally disclose, expose or buy or sell the information of loan students.

　　It is necessary to strengthen the submission of credit information, and submit all credit information of college students’ Internet consumer loans to the basic database of financial credit information in a timely, complete and accurate manner in accordance with the Regulations on the Administration of Credit Information Industry. Students who do not agree to submit credit information may not be granted loans.

　　(3) Strengthen risk remediation and supervision and inspection.

　　Local financial supervision and management departments and banking insurance regulatory bureaus should, on the basis of the previous campus loan rectification work of online lending institutions, include various lending institutions such as microfinance companies and consumer finance companies into the rectification category, and comprehensively use various means such as website monitoring, fund monitoring, on-site inspection and data analysis to further strengthen the supervision, inspection and investigation of college students’ Internet consumer loan business. At the same time, increase the investigation and crackdown on illegal lending institutions.

　　For college students’ Internet consumption loans that have been issued, first, we should urge microfinance companies to make rectification plans. In principle, loans that have been issued will not be extended, and the existing business will be gradually digested. It is strictly forbidden to add new business in violation of regulations. Second, it is necessary to urge banking financial institutions to strengthen investigations, rectify illegal businesses within a time limit, and strictly implement risk management requirements. Institutions that refuse to rectify the problems found in the investigation or whose circumstances are serious should be severely punished and cracked down, and those suspected of committing crimes should be transferred to judicial organs.

　　Two, increase the education, guidance and assistance to students, and create a good campus environment.

　　Colleges and universities should earnestly shoulder the main responsibility of student management, strengthen students’ financial knowledge education and assistance, guide students to establish a correct concept of consumption, and earnestly safeguard students’ rights and interests and campus stability. First, vigorously carry out financial knowledge popularization education. It is necessary to strengthen financial knowledge publicity and education, incorporate financial common sense education into daily education, and continue to carry out financial knowledge publicity. Regularly carry out financial knowledge into campus activities, invite financial regulators and banking financial institutions to give lectures on knowledge, explain the harm of bad online loans, and analyze the cases of bad online loans on campus such as "idolize", so as to effectively improve students’ awareness of financial security. Strengthen the education of honesty and credit awareness, educate students to provide information truthfully when applying for loans, and not intentionally conceal the identity of students, not maliciously cheat loans or breach contracts, cherish personal credit records, and be alert to the influence of online loans overdue on personal credit information. The second is to constantly improve the working mechanism of helping and rescuing. It is necessary to ensure that all student financial assistance policies are put in place, improve the management level of student financial assistance, and effectively protect the affordable needs of students with financial difficulties, such as tuition, accommodation and basic living expenses. We will improve the rescue mechanism for special difficulties, set up special funding funds, provide emergency assistance to students whose families have undergone major changes, and solve students’ temporary and urgent funding needs. For college students who have fallen into the mud of online lending, we should establish a special mechanism to guide them to solve the problem of online lending in a rational and effective way, strengthen psychological intervention and counseling, educate and guide them to cherish their lives and rationally deal with the difficulties they encounter.Encourage qualified colleges and universities to raise funds through multiple channels, support students to carry out extended learning, innovation and entrepreneurship, and meet students’ developmental needs. The third is to comprehensively guide and establish a correct consumption concept. To strengthen the education of students’ consumption concept, we should integrate the cultivation of students’ awareness of thrift with students’ daily ideological and political education. Pay attention to students’ consumption psychology, promptly correct erroneous concepts such as ahead consumption, excessive consumption and conformity consumption, and guide students to establish a scientific, rational and healthy consumption concept. Establish a daily monitoring mechanism, pay close attention to students’ abnormal consumption behavior, find out students’ tendency problems in life consumption, interpersonal consumption and entertainment consumption in time, take targeted measures to correct them, and strive to achieve early prevention, early education, early detection and early disposal.

　　Third, strengthen the network public opinion monitoring and reasonably guide public opinion.

　　Local network information departments should actively cooperate with local governments, universities, financial, education, public security and other administrative departments to do a good job in online interpretation and public opinion guidance to standardize the supervision and management policies of college students’ Internet consumption loans. For the use of college students’ Internet consumer loans for malicious speculation and rumors, guide relevant units to take the initiative to speak out and clarify the truth, and jointly create a good public opinion environment.

　　Four, increase the investigation and punishment of illegal crimes, and create a good financial environment.

　　Local public security organs should intensify the investigation and punishment of illegal and criminal acts in the Internet consumer loan business of college students according to law, severely crack down on criminal activities carried out by means of routine loans and usury against college students, intensify the crackdown on illegal and criminal activities such as illegal detention, kidnapping and violent collection, and crack down on illegal and criminal activities that infringe on citizens’ personal information according to law.

　　Secretariat of the Central Network Office of China Banking and Insurance Regulatory Commission General Office, China

　　General Office of the Ministry of Education, General Office of the Ministry of Public Security and General Office of the People’s Bank of China

　　February 24, 2021