标签归档 武汉狼盟

　　Beijing, February 12 (Xinhua) According to the economic voice "Daily 315", you may receive a credit card upgraded by the bank if you don’t apply for it specially. According to the reporter, many people have received more than one. Knowing that the annual fee may be charged after the credit card is opened, the cardholder simply does not activate it and thinks that there will be no problem, but it is not that simple.

　　Mr. Wang in Beijing has encountered such a situation. A few days ago, he received a platinum credit card from Huaxia Bank. Mr. Wang was puzzled at first. He didn’t apply. Why did the bank send this card? When he went to Huaxia Bank’s business outlets for consultation, the staff told him that it was because of his good consumption and credit records that he specially helped him upgrade this card, which is very common.

　　The customer service staff of Huaxia Bank explained that a short message was sent to him a few months ago. If you don’t reply, you will agree to apply for a card by default. If you don’t activate it, there will be no cost.

　　Huaxia Bank’s customer service staff said: "Because you used the card in good condition before, this card was distributed to you. Your titanium card can be used overseas, and the UnionPay 3D card was sent to you, which is more convenient to swipe it in China."

　　Mr. Wang: "But I didn’t apply for this card."

　　Huaxia Bank Customer Service: "In October 2017, there will be a text message to remind you that if you don’t reply’ No’, this card will be mailed to you by default."

　　Mr. Wang: "Does this card itself have annual fees and other expenses?"

　　Huaxia Bank Customer Service: "The annual fee of the new card you received is 680 yuan, which is free in the first year. If you spend five times in the first year, you will be free in the second year."

　　Mr. Wang: "If I don’t activate it, it means there is no annual fee, right?"

　　Huaxia Bank Customer Service: "Yes."

　　Don’t inactive credit cards have any impact on cardholders as long as they don’t charge? In fact, this inactive credit card data will also be registered in the personal credit record. For example, the approval time and specific amount of this card will be clearly displayed, and the words "This card has not been activated" will also be marked. When you really need a loan to buy a house, buy a car or have a loan demand in other aspects, these data will also become a reference for financial institutions such as banks. The reporter called the personal credit information system of the People’s Bank of China to inquire about related matters.

　　Reporter: "If I don’t activate for a long time, will it affect my future loan?"

　　China Bank’s credit inquiry system: "The credit center does not make any subjective evaluation of the data on your report. Whether you can handle business in the future depends on the institutions or banks that you will handle business in the future, and how you treat the data on your credit report is determined by their approval policies."

　　Another problem that deserves everyone’s attention is that in many cases, credit cards that are not activated or opened will also incur expenses. The reporter called the Credit Card Center of China Merchants Bank, and the customer service staff told the reporter that if the user chose express delivery when handling the credit card, the express fee in 20 yuan would be included in the credit card bill. If the user thinks that he has not spent money and does not pay attention to the bill of this card, there will be a credit card overdue record. In addition, some special credit cards also have card face fees. For example, the customer service staff of Shanghai Pudong Development Bank said that "privately ordered" cards, such as cards with card numbers, card materials or colors, will generate card face fees, which will also be reflected in the credit card bill.

　　Other credit cards, whether activated or not, will generate an annual fee as long as they are applied. For example, a platinum card or a higher-level credit card than a platinum card. This kind of credit card often has a lot of value-added services, and most banks have to bear a lot of expenses for these services every year, so even if Platinum cardholders don’t activate their cards, they have to charge an annual fee.

　　Compared with using a debit card, using a credit card will have a bill even if you don’t spend money. The annual fee rules of credit cards vary from bank to bank. Many banks’ credit cards will calculate the annual fee as long as they are opened, and users need to spend five or a certain amount to avoid the annual fee. However, some banks will change these rules, and if banks fail to fulfill their obligation to inform customers, it will bring a lot of trouble to credit card users.

　　The customer service staff of the personal credit inquiry agency of the People’s Bank of China said that as long as it is a credit card bill, no matter whether it is dozens or hundreds, it will be regarded as overdue if it is not returned at maturity, which will affect the personal credit record.

　　However, there are many precautions for canceling credit cards, otherwise it will also bring bad influence to your personal credit information:

　　1. The card to be cancelled should not be in arrears. Before you cancel your card, make sure whether there is any outstanding balance on your credit card. If you don’t know your repayment amount, you can call the card-holding bank for consultation. If you cancel your card before you pay it off, it will affect your personal credit information.

　　2. Do not use the card to be cancelled during the "account clearing period". Generally, when a bank cancels your card, it takes about 45 days to "clear the account", and the cancellation can only be arranged after ensuring that there is no delay in the transaction of the card. After waiting for the "account clearing period", in order to ensure the completion of card cancellation, it is recommended to call the bank’s customer service phone or go to the bank outlet for confirmation.

　　3. Cards with overdue records within two years should not be cancelled. The overdue records of credit cards will generally be kept in the credit report for 2 years. Even if the debts have been paid off, the records after the cancellation of the cards will be kept, and the normal use can only be guaranteed until the records are eliminated. Otherwise, it will affect your handling of financial services such as loans in the future.

　　4. Do I need to cancel the inactive credit card? Generally speaking, inactive ordinary credit cards do not generate annual fees, but some special cards are hard to say, so it is better to cancel the inactive credit cards in time if they are not used.

　　5. Pay enough free annual fee and then cancel the card. If your credit card needs to be swiped enough times or amount to be exempted from the annual fee, it is recommended to cancel the card after meeting the conditions, otherwise it is equivalent to not paying the annual fee and it will be overdue.

　　6. Remember to "destroy the card" when the card is cancelled. Make sure that after you have finished selling the card in the bank, you should immediately cut the magnetic stripe of the card in your hand, and don’t leave it lying around, causing unnecessary trouble.

　　Lu Yun, director of the Beijing Lawyers Association, the Legal Committee for Consumer Rights Protection, and Zhao Zhanling, a lawyer of Beijing Zhilin Law Firm, came to analyze and interpret related issues.

　　Voice of the Economy: Has Ms. Lu ever received an "uninvited" credit card from the bank? How is it handled?

　　Lu Yun: "I have never met it myself, but my friends around me have met it and asked us for advice. For this kind of "uninvited" credit card, I personally think that the handling of credit cards belongs to the category of consumers’ right to choose. Some banks send cards directly without the application of the parties. Once the cards are sent, some expenses may be incurred, including annual fees, courier fees and card fees. If these expenses are not paid in time, it will affect consumers’ personal credit investigation. Based on this, if consumers receive an’ uninvited’ credit card, they should still contact the card issuer in time to make a judgment according to their needs. "

　　Voice of the Economy: On the grounds that the user’s credit is good, it will be informed by SMS, and if the user does not reply, the user will agree to apply for a credit card by default. Is this form fair to credit card users?

　　Zhao Zhanling: "For this kind of short message, the security software used in many consumers’ mobile phones may blacklist the short messages sent by some banks, or the users may not see them in time, so the banks think that the users agree by default, which is unreasonable. Secondly, credit card processing needs the user’s consent. Credit card provides a kind of financial service, and actually processing credit card is to obtain the financial service provided by the bank. As a consumer, according to the law, users have the right to know and the right to choose independently, that is to say, whether to apply for a credit card and what kind of credit card should be chosen by users themselves, and it cannot be said that users agree to apply for it by default without SMS reply. This practice lacks legal basis. In addition, some banks may increase the overdraft limit for users on the grounds of good credit when users use credit cards. This is no problem, but some banks use this reason to help users open higher-level credit cards, which also needs to inform users. "

　　Voice of the Economy: Even if the card is not opened or activated, it will have an impact on the cardholder’s personal credit information, because these credit card data will be recorded in the personal credit information system, and it may also affect the application for loans in the future. If this has caused some negative effects, should banks be responsible for it?

　　Lu Yun: "First of all, banks should fulfill their obligation to inform and protect users’ right to know. In other words, when the user has this card, the bank needs to inform the user not only of the rights and interests he enjoys, but also of the risks and legal consequences he may bear. Secondly, credit investigation involves all aspects of personal life and work. Once it is overdue, the credit investigation system will record it even if 1 yuan is overdue and the repayment is 2 hours late. According to the Consumer Law, banks must explain and inform consumers in a significant way, and make necessary prompts. If they just send a text message or post some notices in the lobby, they have not fulfilled their obligation to inform. "

　　Voice of the Economy: When some consumers use credit cards, even if they don’t activate or open them, they will incur fees, some are express delivery fees, some are card face fees, and some are annual fees. Faced with this situation, in fact, there are relevant laws and regulations, such as the China Banking Regulatory Commission, which expressly stipulate that credit cards cannot be charged without the activation of the cardholder. However, the regulations also stipulate that under special circumstances, the cardholder alone authorizes the deduction of fees and the creditor-debtor relationship that has been formed when changing the card by writing, recording the customer service telephone number, electronic signature and methods recognized by both the cardholder and the issuing bank. What is the meaning of this provision? What problems should consumers pay attention to when signing a credit card contract to avoid damage to their rights and interests?

　　Zhao Zhanling: "The regulations of CBRC are very clear. Credit card holders can’t charge annual fees if they don’t activate their credit cards, so many banks now charge annual fees in violation of the regulations of CBRC. However, there are exceptions. If the cardholder authorizes the bank to collect fees separately by other means, then there is no problem. Therefore, when handling a credit card, you need to know clearly the annual fee amount, collection method and exemption conditions of the credit card. Even if you don’t want to use the credit card in the future, you should return the annual fee as much as possible or offset the annual fee by meeting the exemption conditions to avoid overdue. In addition, if the credit card is not going to be opened or activated for some reason, it should be confirmed to the bank whether there is an annual fee and whether it will be included in the credit record. In addition, when handling credit cards, you need to know the basic knowledge of credit cards, such as overdraft limit, withdrawal limit, the difference between credit card billing date and repayment date, and whether there is a late payment fee after the deadline. Consumers need to understand all aspects of the situation when handling credit card expenses or during use, in order to avoid damage to their own interests. "

　　Voice of the Economy: What should I do if someone pretends to activate a credit card that I don’t want to use, resulting in some losses or personal credit history problems?

　　Lu Yun: "This needs to be treated differently according to different situations. If there are problems caused by bank operators or operating system loopholes, or collusion inside and outside the bank, the bank should bear the corresponding responsibilities; If the user keeps the card himself, the password is not good, or the password setting does not meet the bank regulations, resulting in the leakage of personal card information, then the individual needs to bear the corresponding responsibility. "

　　Voice of the Economy: What impact will there be if there are overdue records in the personal credit information system? How to ensure that personal credit records are in good condition when using credit cards?

　　Lu Yun: "China’s existing Regulations on the Administration of Credit Information Industry clearly stipulates how institutions and individuals in the credit information industry record and cancel. Nowadays, personal credit investigation is particularly important in life and work, which will not only affect future investments or loans, but also affect children’s schooling, social security, provident fund and other aspects, and even affect the admission of civil servants. According to the current development trend, personal credit information is becoming more and more important,’ one place is broken, and everywhere is limited’. Therefore, when consumers need to sign the relevant business, they must confirm with the counter staff to understand the business they are handling and ask about the possible legal consequences of this business before handling it. At the same time, banking business, including sales promotion by salesmen, should be operated in accordance with normative requirements. Now the bank is implementing a dual recording system, that is, recording and recording at the same time, hoping that more businesses can be included in the system to urge banks to fulfill their obligation to inform and protect consumers’ right to know. "

The State Council Information Office held a meeting with Chinese and foreign media at 3 pm on Thursday, February 18th, 2016, and invited Chen Jining, Minister of Environmental Protection, to introduce the situation of promoting air pollution control and strengthening environmental protection, and to answer questions from reporters.

[Chen Jining]While affirming the achievements, we also see that there is still a big gap between the environment in China and the requirements and expectations of ordinary people. Today’s environmental problems in China can be summarized into three sentences: serious environmental pollution, high environmental risk and great ecological loss. Everyone is concerned about PM2.5. In 2015, 265 cities in 338 prefecture-level cities and above failed to meet the standards, and the average number of days exceeding the standard reached 23.3%. In terms of water pollution, the number of inferior V water bodies is decreasing, but the problems of urban black and odorous water bodies, pollution of some tributaries and eutrophication of lakes are still very serious. We are indeed facing a very serious environmental situation.

We should also see the pressure. The environmental pressure in China today is closely related to our development stage. China’s modernization process with a population of more than one billion, with such a large volume, such a fast speed and such a short time, has greater environmental pressure than other countries in the world. In the process of human modernization for more than 200 years, no more than 30 countries have achieved industrialization with a population of no more than 1 billion, mainly countries of the Organization for Economic Cooperation and Development (OECD). We are developing to solve environmental problems, which is a huge challenge with much higher complexity and difficulty. We should focus on improving the quality of the environment, maintain strategic strength, be anxious, and do nothing, implement the strictest environmental protection system and fight a protracted war; Tactically, we should make clear the phased goals, fight hard and promote the solution of environmental problems step by step.

In addition, I want to emphasize here. China’s modernization process is an open process, and so is solving China’s environmental problems. We have carried out a lot of international cooperation in the environment, and solved our problems by learning from international advanced experience and introducing international advanced technology. Solving China’s environmental problems is helpful to the whole mankind. Why? Now it is the OECD countries that have completed the modernization process, China has completed the modernization process of another billion people, and there are still 6-7 people in the world who are also one billion people in the process of modernization. Therefore, China’s experience is also helpful for other countries to complete the modernization process. Judging from the present situation, China will solve environmental problems earlier, better and greener than developed countries in the process of modernization. I believe that these valuable experiences and our exploration will play a positive role in the modernization process of other countries. I think China’s environmental problems are closely related to China’s modernization process, and we need an open mind to look at and solve our problems with a broad vision. So I’ll give you a brief introduction of some basic information. If you have any questions, you can ask them.

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With the profound adjustment of the industry, this process of slimming and keeping fit is just like losing weight, which is very painful and difficult, and its result must lead to a healthier and more quality development direction.

Xu Qian, reporter of China Housing News, reports from Beijing.

Vanke in the "crisis" has attracted attention every move.

On May 13th, Tianyancha information showed that the enterprise status of Shenzhen Wanke Yundi Industrial Co., Ltd. had changed from surviving to cancellation. The two major shareholders of the company are Shenzhen Tengshi Automobile Co., Ltd. and Hengqin Wanke Yundi Business Consulting Partnership, holding 72% and 28% respectively. The former is a subsidiary of BYD, while the latter belongs to Vanke.

According to the data, Shenzhen Wanke Yundi Industrial Co., Ltd. was established on May 26, 2017, and its legal representative is Zhang Yan, with a registered capital of 100 million yuan. Its business scope includes technology development, technology transfer, technical consultation and technical services in the information technology field.

According to relevant reports, Shenzhen Wanke Yundi Industry was originally established for the purpose of cooperation between Vanke and BYD, but the joint venture company was cancelled according to the agreement because the final project could not be obtained. In 2023, the relevant cancellation process was taken, Vanke was responsible for liquidation, and BYD was responsible for handling the formalities.

In other words, at the beginning of the company’s establishment, it represented a "joint effort" between Vanke and BYD, but for various reasons, the two sides failed to follow the set goals and had to "disband". The reporter called Vanke about the cancellation of the company, but as of press time, he did not receive a reply.

Time goes back to 8 years ago. In December 2016, Vanke and BYD signed a strategic cooperation agreement. Based on the cooperation mode of resource sharing, the two parties will jointly explore and develop the "track+property" business. One belongs to the automobile industry, and the other belongs to the real estate industry. It seems that there is no intersection between the two companies, which caused quite a stir at that time.

At the signing ceremony, Wang Chuanfu, chairman of BYD’s board of directors, said that the "cloud track" scheme launched by BYD is dedicated to solving the congestion problem in third-and fourth-tier cities. This kind of rail transit walks over the urban green belt and does not occupy the urban road area. BYD’s green vision is highly coincident with Vanke’s, and the two sides are committed to the long-term strategic cooperation of "track+property".

Vanke said that "track+property" is a very optimistic model for Vanke to solve the problem of ordinary people living, living and working in the future. The signing of this contract combines Vanke’s property development with BYD’s "cloud track" and provides a solution for urban development.

Two months before the cooperation between the two parties, on October 13, 2016, BYD’s "Cloud Track", which took five years to develop, was launched in the world and officially opened to traffic at BYD Pingshan Headquarters in Shenzhen. Wang Chuanfu announced that he has reached cooperation intentions with more than 20 cities. "The rail transit market can’ recreate a BYD’."

The background of this cooperation is that Vanke was busy developing multilateral emerging business and transforming into a supporting service provider in the city. Joining hands with BYD is another emerging business of Vanke after entering many urban supporting services such as apartment leasing, centralized commerce, community commerce, industrial office, logistics, pension and education.

Vanke put forward this idea when it planned to introduce Shenzhen Metro. In June, 2016, Shenzhen Metro and Vanke jointly announced that they planned to innovate cooperation mode in the fourth phase of subway network construction and land development along the line, and participate in the construction of Shenzhen rail transit and superstructure property projects in the mode of "track+property" in accordance with market rules.

Wang Shi, who was then the chairman of Vanke’s board of directors, predicted that the urban population of China will increase by 170 million in the next 10 years, but the main place to accommodate new urban immigrants will be satellite towns, which is located in the developed urban belt. Vanke will seize the opportunity to provide supporting services for the city around the subway, which will be one of the most important development directions of Vanke in the future.

However, this emerging industry, which was valued by Vanke and BYD at the same time and had high hopes, failed to be successfully carried out in more cities and projects. In 2017, the state tightened its policy on urban construction tracks, and only three cities were approved throughout the year; At the end of 2017, BYD Hengyang’s cloud track project was stopped by the National Development and Reform Commission less than a month after it started, and cloud track projects in other cities were forced to suspend.

Two years later, Vanke and BYD cooperated again. On October 8, 2019, Vanke announced that it would jointly invest 1.101 billion yuan with BYD and other companies in a fund focusing on science and technology, logistics and other fields. The scale of fund raising was 1.101 billion yuan, of which Vanke (Chengdu) subscribed for 500 million yuan and BYD auto industry subscribed for 600 million yuan.

Vanke said that the company’s subsidiaries participate in investment funds with their own funds, which is based on the company’s established development strategy. This investment will help accelerate the strategic positioning of the company as a "service provider for urban and rural construction and life".

The background of this cooperation is that in March 2018, Vanke announced in its financial report that it would upgrade its strategic positioning from the previous "urban supporting service provider" to "urban and rural construction and living service provider". Also in 2018, at the autumn regular meeting, Vanke shouted the slogan of "live".

The change of enterprise strategy is also based on the adjustment of the market environment and the company’s operating conditions. Now Vanke is implementing the "slimming" plan-"focusing on the main business", freeing up limited resources, doing well in three main businesses: comprehensive residential development, property services and renting apartments; Resolutely and vigorously promote large-scale asset transactions such as commercial offices, and plan to complete 20 billion yuan each year.

Vanke’s first-quarter financial report shows that in the first quarter, Vanke realized 4.2 billion yuan in bulk asset transactions, of which Shanghai Qibao Vanke Plaza realized 50% equity transactions with a transaction amount of 2.384 billion yuan.

On May 8th, Shenzhen Public Resources Trading Center launched a land transfer information, and publicly transferred the land use right at T208-0053, Shenzhen Bay Super Headquarters Base, with a starting price of 2.235 billion yuan. The owner of this plot is Vanke.

"With the profound adjustment of the industry, this process of slimming and keeping fit is just like losing weight. It is very painful and not easy. Its result must lead to a healthier and more quality development direction, so I believe that the pressure we encounter today is phased. With the support of all sectors of society, including major shareholders, and through our own efforts, I believe that we can achieve initial results in the next two years. " Yu Liang, Chairman of Vanke’s Board of Directors, said at the 2023 Annual General Meeting of Shareholders held on April 30th.

On May 13th, Vanke issued an announcement on the guarantee provided by its holding subsidiary for its application for loans from banks. Among them, Vanke applied for a loan with a principal of 690 million yuan from China Bank Shenzhen Branch for a term of three years. Wuhan Qiuzihu Company, a subsidiary of Vanke Holdings, provided corresponding pledge guarantee for the aforesaid loan with its 100% equity in Changsha Wancheng. Vanke applied to Shenzhen Branch of Agricultural Bank of China for three loans with a total principal of 2.2 billion yuan. Vanke’s three holding subsidiaries provide pledge guarantee for Vanke’s three loans with 100% equity of other project companies.

On May 13th, Vanke’s share price fell by 1.85% to close at 7.42 yuan. On the same day, the prices of several US dollar bonds issued by Vanke rose: among them, the price of bonds due in November 2027 with an interest rate of 3.975% rose by 5.1 cents per US dollar; The price of bonds due in November 2029 with an interest rate of 3.5% rose by 3.7 cents per dollar; The price of bonds due in May 2025 with an interest rate of 3.15% rose by 3.3 cents for every dollar.

Original title: "Sudden! Vanke’s new action

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