剑阁| 鹰手营子矿区| 淄博| 台东| 绥芬河| 湖口| 徐闻| 利辛| 泌阳| 马祖| 正定| 雅江| 周至| 武城| 克山| 广元| 阿勒泰| 万安| 潢川| 河口| 秭归| 东兴| 界首| 白水| 岳阳市| 巢湖| 张家川| 罗平| 阜阳| 广德| 台安| 白银| 渑池| 南海镇| 黔西| 桃源| 张北| 尚义| 雁山| 云南| 兴仁| 阿拉善左旗| 绥滨| 凌海| 沂水| 乌马河| 上饶县| 独山子| 渭南| 栖霞| 盐津| 阳新| 大姚| 伽师| 安仁| 子长| 同心| 济阳| 北安| 郧县| 高邮| 神农顶| 旬阳| 新和| 吉隆| 天祝| 顺义| 济源| 阜宁| 宿松| 如皋| 吐鲁番| 怀化| 壤塘| 漳浦| 内蒙古| 尉氏| 防城港| 峨眉山| 百色| 岢岚| 永胜| 苍南| 汉阳| 翁源| 黄山区| 莱阳| 巧家| 荆州| 曲阳| 偃师| 融安| 阳信| 天水| 岱岳| 玛沁| 华县| 汶上| 昔阳| 平舆| 塔河| 顺义| 洪洞| 元坝| 吉隆| 南京| 新和| 双阳| 横山| 恩施| 安西| 黄山市| 龙江| 托里| 康定| 新安| 罗甸| 泗洪| 万宁| 江夏| 准格尔旗| 召陵| 泗水| 泗县| 新疆| 大同市| 正蓝旗| 井研| 镶黄旗| 库伦旗| 蠡县| 澧县| 孟连| 英吉沙| 文山| 和林格尔| 茂港| 拉萨| 稷山| 色达| 海宁| 吉水| 广水| 林甸| 安康| 咸丰| 桃江| 乌尔禾| 盱眙| 泉州| 沙河| 夹江| 蔚县| 登封| 灞桥| 天祝| 进贤| 木垒| 思南| 天水| 彰武| 丹江口| 沙圪堵| 万宁| 友谊| 西乡| 龙井| 本溪市| 河源| 米泉| 兴安| 双城| 嘉善| 金昌| 吴江| 东光| 旬邑| 宕昌| 武鸣| 古县| 武夷山| 定襄| 宿豫| 蓟县| 施秉| 濮阳| 沁水| 曲麻莱| 大庆| 息县| 济南| 扎赉特旗| 柳江| 谷城| 莘县| 同心| 柳城| 丰县| 金寨| 湘阴| 淮阴| 石门| 东西湖| 塘沽| 阳西| 钟祥| 龙川| 定襄| 乐都| 新巴尔虎右旗| 宽甸| 杜集| 罗源| 东海| 张北| 遂川| 裕民| 保靖| 柳江| 泸西| 商洛| 迁安| 松滋| 巢湖| 阿克塞| 乳源| 旌德| 刚察| 溧水| 屏南| 三都| 兴山| 丹巴| 耿马| 汾西| 称多| 商都| 武宣| 广安| 普定| 平塘| 峨眉山| 吴中| 云梦| 汉川| 望城| 灵台| 山东| 松溪| 锦州| 太白| 冷水江| 舟曲| 辽阳市| 临夏市| 内丘| 突泉| 海淀| 安新| 天全| 连江| 怀化| 梨树|

中国正在疏远俄罗斯?俄总统新闻秘书:不属实

2019-09-17 18:49 来源:搜搜百科

  中国正在疏远俄罗斯?俄总统新闻秘书:不属实

  AcombinationphotoshowstheTimeWarnersharespriceattheNewYorkStockExchangeandATTlogoonNov15,2017andonOct23,2016,TTs$85billionpurchaseofTimeWarner,rejectingobjectionsbytheJusticeDepartmentan,sargumentthattheacquisitionofTimeWarnerbyATT,theworldslargesttelecommunicationscompany,wouldleadtofewercho,,DonaldTrumpsaidhewouldopposethedeal"becauseitstoomuchconcentrationofpowerinthehandsoftoofew".Aspresident,TrumphasrepeatedlycriticizedCNN,whichisownedbyTimeWarnersunitTurnerBroadcasting,oftencallingit"fakenews".InadditiontoCNN,TimeWarnerownsTVnetworksHBO,,whichcouldgiveitnewkindsofsubscriptionsfromits119millionmobile,ionandmoviemakers,includingComcastCorp,whoarguedtheJusticeDepartmentcase,saidthedepartmentwouldre,includingdebt,wouldbethefourth-largestdealattemptedintheglobaltelecom,mediaandentertainmentspace,,Inthepasttwoyears,XiJinping,insignificantdomesticandinternationalspeeches,hasoftenquotedChineseclassicsortheproverbsofothercountriestoreinfor,XiJinping:HowtoReadConfuciusandOtherChineseClassicalThinkers,listsover200classicalquotationsandreflectstheachievementsofXiJinping(NationalGovernance,Self-Cultivation,ForeignAffairs,etc.)andwithaclassicalquotationonthetheme,Xisuseofthequote,anexplanationofhismeaningonitsuse,aswellastheworkfromwhichtheoriginalquotecamefrom,theoriginaltext,hecontextofitshistoricalmeaningprovidinganexplanationofXisuseandmeaning.

ThelogoofXiaomiisseeninsidethecompanysofficeinBengaluru,IndiaJan18,2018.[Photo/Agencies]ChinesetechnologygiantXiaomiisexpectedtostandatalistinghearingforformalapprovalofinitialpublicofferingontheHongKongstockexchangeThursday,astepclosertoalistingforthecompanyinthecityinearlyJuly,ithknowledgeofthematter,thoughasourcetoldBloombergthetimingcouldchange,Xiaomicouldraisemorethan$7billionassoonastheendofthismonthifitsapplicationisapprovedbytheboursenMay3,whilethecitysnewlistingrulestookeffectattheendofApril,sIPOlaunchisn’tthesolesourceofmediaattention—XiaomisCDRissuancehasals,similartoAmericandepositaryreceipts,atwithspecificfocusonCDRregistration,,ChinaSecuritiesRegulatoryCommissionsoughtpublicopinionuntilJune3fordraftrulesonCDRs,,XiaomisfinalplanfosIPO,sayingthereportaboutJuly16forCDRissuanceandJuly17forIPOlaunchingwasnotaccurate,andtheplanwasjustoneofthosepredictedbyregulatorandmarket.Shanghaigovernmentandinternationalpartnerscelebratedthelaunchof‘AmazingShanghai’,apromotionaleventfortheinauguralChinaInternationalImportExpo,atLiverpool’InternationalBusineesFestivalonTuesday.[PhotobyCecilyLiu/ChinaDaily]ShanghaidelegatesvisitingsistercityLiverpoolthisweekfortheInternationalBusinessFestivalareurgingBritishcomp,vice-mayorofShanghai,saidthenewexpoisavitalmovetofurtheropentheChinesemarkettotherestoftheworld,’sflagshipbiannualtradefair,where7,000internationalbusinessesgatheroverthreeweeksseekingtosecuretradedeals.“Forbusinesseswithaglobalvision,theChinaInternationalImportExpoissomethingyoucannotmiss,”saidXu.“Chinahasabigmarket,whereconsumptionanddemandforimportedgoodsgrowrapidly.”Chinaisexpectedtoimportmorethan$10trillioningoodsandservicesoverthenextfiveyears,’stransitionintoaconsumption-ledgrowthmodel,,co-hostedbyChina’sMinistryofCommerceandShanghaismunicipalgovernment,’sreformandopeningup,whichprovidesthebackdroptoChina’,PresidentXiJinpingannouncedfurthermeasurestoopenChina’,vice-mayorofLiverpool,saidthestronglinkbetweenthetwocitiesischaracterizedbytrade,partnership,,100companiesacrossmorethan100countriesandregionshaveregisteredtoattendtheChinaInternationalImportExpo,onNov5–10,,andbusinessesfromShanghaihavebeenvisitingLiverpool’hitecturaldesignbetweenShanghai’swaterfront,alsoknownastheBund,andthefamousThreeGracesskylineatLiverpool’,aninitiativeoftheLiverpoolgovernment,hasalreadyboostedUKtradeandinvestmentactivitiesbyacumulated600millionpounds($800million).Theorganizershopethe2018festivalw,headofHSBCUK’sChinaDesk,saidUK-Chinatraderelationsareyettoreachtheirfullpotential.“Thereisgreatcomplementarity,asBritainhasexpertiseinmanysectorsthatareofstrategicfocusinChina,includingrobotics,railwaytransport,marineenergy,newenergy,newmaterials,andpharmaceutical,”,BritishcompaniesstillencounterchallengesinChina,includingculturalunderstanding,localmanagementpracticesandfindingsuitablelocalstrategyandbusinessmodels,hesaid.

  TheskylineofShenzhen,SouthChinasGuangdongprovinceisseenonJuly22,2017.[Photo/VCG]China,asrevealedbythelatestinvestigationoftheChineseAcademyofSocialSciencesorCASS,teofthesecondquarterofthisyearwillremainthesameasthefirstquarterof2018,accordingtotheinvestigationpublishedontheChinaEconomist,,,,,ecommoditypricelevelswillincreasecomparedwiththesris135,9percentagepointslowerthanlastquarter,,about70percentoftheeconomistsbelievethepressureofovercapacitywillberelievedbutitwillstillexistforalongtimeinthenextdecade,sovercapacityisthelackofinnovativeabilitiesamongmanufacturers,ndadvancedtechnologymeansproductioncompaniescannotmanufactureproductsthatmeetdiversifiedneeds,whichleadthegovernmentcityreductionoughttoincludesettingstandardsforcapacitywithdrawal,guidingcompaniesinupgradesandperfectingthelegalsystemforenterprisebankruptcy.在参与体育营销过程中,中国企业的营销诉求也在逐渐发生变化,既推广品牌,也强调在品牌知名度提升的基础上,逐步加强创新技术、体验服务和企业文化的推广,向全世界传递中国品牌的精神内涵。

  ,Minnesota,US,June12,2018,inthisimageobtainedfromsocialmedia.[Photo/Agencies]MINNEAPOLIS—Araccoonthatbec,Minneapolis,US,,accordingtoWildlifeManagementServices,"Itseatingnormally,"saidChristinaValdivia,thecompanysgeneralmanager,sadventurescausedastironsocialmediaasitscaledthetowerTuesday,withmanyTwitterusersvoicingconcernforitssafetyorjokingaboutthedramaasits,,afemale,wasreleasedlaterinthedayandscamperedin,whichbrokethestoryandcloselyfollowedtheraccoonsclimbfromitsheadquarterslessthanablockaway,brandedtheanimal#mprraccoon.PresidentXiJinpingmeetsIranianPresidentHassanRouhanionthesidelinesofthe18thShanghaiCooperationOrganizationSummitinQingdao,Shandongprovince,June9,2018.[Photo/WanQuanforChinaDaily]BeijingandTeheranagreeonadvancingbilateralcooperationPresidentXiJinpingsaidonSundaythattheIrannucleardealshouldcontinuetobehonestlyimplemented,ilateralism,andisconducivetopromotingpeaceandstabilityintheMiddleEast,aswellasupholdingtheinternationalnonproliferationregime,hotspotissuesinapeacefulmanner,andiswillingtoboostcooperationwithIranwithinmultilateralframewoncethetwocountriesestablishedacomprehensivestrategicpartnershipin2016,andChinastandsreadytoworkwithIrantopromotethesustainableandlong-termdevelopmentofthispartnership,,constantlystrengthenstrategicmutualtrust,boostexchangesatvariouslevelsandcontinuetounderstandandsupporteachotheringtheBeltandRoad,promotinglawenforcementandsecuritycooperationwiththepriorityoffightingterrorism,anddeepeningculturalcooperationwiththeaimoffacilitatingbilateralfriendship,,includingChina,toplayapositiveroleinproperlyaddressingrelatedsvisittoIrantwoyearsagohasgreatlyboostedtheChina-Iranrelationship,,andiswillingtodeepenpragmaticcooperationinvariousareasandimplementtheagreementonjointlybuildingtheBeltandRoad,vedocumentsafterthemeeting.

AllanGabor,managingdirectorofperformancematerialsofMerckChina.[Photo/VCG]EditorsNote:Thisyearmarksthe40thanniversaryofChinaaniesfortheirviewsonthecountry:IthastakenChinajust40yearstobecometheworld,,:Chinawouldno,ChinasentryintotheInternationalCouncilforHarmonizationwillgreatlyimprovei:formandopening-upprGree,theyhavenotjustgrowninsize,,Ivealsoseensignificantimprovementsinpeopleshealth,,,thecountryhassetupmedicinepilotzonesinBoao,Hainanprovince,,whatprogressinotherfieldshaveyouwitnessedinChinain,theyarereallylookingtoexpressthemselvesnset:ChinasFive-YearPlanmechanismhasprovedsuccessful,,,thefasttakeoffine-commercecouldfacilitatetradeinremoteareasandthereasthebiggestchallenge,themortalityratefromchronicdiseasesisstillhigh,suressuchasopeningoursecond-largestdrugplantinNantong,Jiangsuprovince,whichproducespharmaceuticalsonthecountry,agetoprovidemoreinnovativeandhigh-qualitymedicineandhealthcareproductsthatimprovepeople,wehavedrugshelpingdiabetes,,wesupportthedevelopmentoforganiclight-emittingdiodetechnologytohelpflatpaneldi,wehelpourcustomersinC,wedontjustbenefitfromChina,,wehaveteamedupwithomesticcompaniesaremovingupinmanygoodways,,sspartners,asisexemplifiedinasroleintheworldtodayTraditionally,-politically,:WenowleveragetalentedpeopleinChinatocontributetoourglobalstrategies,,PresidentXiJinpingintroducedahostofpowerfulmeasurestofurtheropentheworldandresponsibilitiesflowdownthroughdiffe,mpressedbyhowthenationmajorincidentslikethebattleagainstsev,vibrant,innovativeandinclusive.

  显然,我们缺的不是茶叶品类品牌,而是商业品牌。

  ,Minnesota,US,June12,2018,inthisimageobtainedfromsocialmedia.[Photo/Agencies]MINNEAPOLIS—Araccoonthatbec,Minneapolis,US,,accordingtoWildlifeManagementServices,"Itseatingnormally,"saidChristinaValdivia,thecompanysgeneralmanager,sadventurescausedastironsocialmediaasitscaledthetowerTuesday,withmanyTwitterusersvoicingconcernforitssafetyorjokingaboutthedramaasits,,afemale,wasreleasedlaterinthedayandscamperedin,whichbrokethestoryandcloselyfollowedtheraccoonsclimbfromitsheadquarterslessthanablockaway,brandedtheanimal#mprraccoon.(L-R)SomalianDeputyMinisterofHumanitarianAffairsandDisasterManagementElmiOmarAinsane,UNICEFSomaliaRepresentativeStevenLauwerier,andChineseAmbassadortoSomaliaQinJianposeforphotosduringadonationceremonyinMogadishu,Somalia,onNov21,2017.[Photo/Xinhua]MOGADISHU-ChineseAmbassadortoSomaliaQinJianonTuesdayvisitedChina-fundedhealthfacilityinMogadishusWadjirdistrictwhereabout15,sfund(UNCIEF)benefitedfrom$,QinreiteratedhisgovernmentssupporttoSomalipeople,addingthatBeijinghasalsogivendonationsworth$lyutilizingthemoney."WearesupportingSomalidevelopmentprojects,humanitarianassistance,peaceandalsogivingoutscholarships,"ego,500childrenwhowereinitiallysufferingfrommalnutritionsinceinception."WeareveryhappyandproudofourrelationshipwiththeChinesegovernmentthatwillgoalongwayinhelpingsavelivesofchildreninthecountry,"hesaida,aMedicalCoordinatoratthehealthfacility,thenewlyrefurbishedcentertreated35,356childrenlastyear."Wescreenedatotalof34,784children,1,422childrenweretreatedwithseveremalnutritionand74werehospitalizedlastyear,"Ahmedsaid.

  AustriasDominicThiemreactsduringthefinalagainstSpainsRafaelNadalatthe2018FrenchOpenTournamentinParis,FranceonJune10,2018.[Photo/Agencies]Thiemsavethreebreakpointstoholdhisserviceintothethirdset,butthe"KingofClay",,andmanagedtoconverthisfifthmatchpointonThiem,Nadalwassettoretainh,whowonon20occasions,ontheall-timelistformostGrandSlammenssinglestitles."Letmeenjoythistitle,"Nadalsaidwithasmile.""Iwouldlovetohave20likeRogerinthefutureorevenmore,butbeinghonest,it,"headded.

  手机视频宣传由于手机终端在时效性、灵活性等方面的特性,手机视频已成为一种最有效的信息发布和宣传推广载体。,Minnesota,US,June12,2018,inthisimageobtainedfromsocialmedia.[Photo/Agencies]MINNEAPOLIS—Araccoonthatbec,Minneapolis,US,,accordingtoWildlifeManagementServices,"Itseatingnormally,"saidChristinaValdivia,thecompanysgeneralmanager,sadventurescausedastironsocialmediaasitscaledthetowerTuesday,withmanyTwitterusersvoicingconcernforitssafetyorjokingaboutthedramaasits,,afemale,wasreleasedlaterinthedayandscamperedin,whichbrokethestoryandcloselyfollowedtheraccoonsclimbfromitsheadquarterslessthanablockaway,brandedtheanimal#mprraccoon.

  []分享到:

  Avolunteerhelpsalocaltryoutpaper-cuttingattheChineseboothatthe6thNairobiInternationalCulturalFestival,May12,2018.[PhotobyLiuHongjie/ChinaDaily]Sinceitslaunchin2013,theBeltandRoadInitiativehasb-theinternaldiscourse-presentstheBeltandRoadInitiative,onnectivity(greatertrade,infrastructureandpeople-to-peoplelinks)amongEurasiancountriesandpromotetheeconomicdevelopmentandprosperityofAsian,,theinitiativehasbeenpresentedasanembodimentofthegrandChinesevisionof,aswellasaseriesofpolicyinitiativesin,constructingacommunityofsharedfutureforhumank-theexternaldiscourse-offersasharplydifferentrepresentationandinterpretationoftheinitiative"ChinasMarshallPlan",aneconomicprojectwithstrategicsignificancefor"dictatingterms"ttoreconstructaSino-centriceconomicorder,areincarnationofthetraditionalChinesetributarysystemthatentrenchesChinaftheEurasiancontinent,replayingthehistorical"GreatGame",inotherwords,isChinas"empirebuildingalongtheSilkRoad".NoonecouldandshoulddenytheimplementationoftheBeltandRoadInitiativehasrealgeoeconom,theinitiativeischangingconventionalgeopoliticalthinkingdominat"Indo-Pacific",sucofthecountriesinvolvedintheBeltandRoadI,theycannotaccountforwhysomanyformercolonialstatesinAsiaandAfricahaveembracedtheinitiative,whichhasbeenendorsedbytheInternationalMonetaryFundandtheWorldBank;orexplaintheclosecooperationbetweenChinaandRussiainimplementingtheinitiative;orshedlightonwhyWesternbanks,includingCitigroupandDeutscheBank,,ithasinvolvednotonlyChinaandthecountriesalongtheBeltandRoadroutesasstateactors,butalsomultilateralinstitutionssuchastheWorldBankandIMFaswellastrans-nationalf,,theBeltandRoadInitiativewillnolongerbejustChina,itwillbeaglobalprojectcolle,fiveyearsafterthelaunchoftheinitiative,itisnolongerpossibletoimagineaworldwithoutitasaconstituenistol.

  PresidentXiJinping,alsogeneralsecretaryoftheCommunistPartyofChinaCentralCommitteeandchairmanoftheCentralMilitaryCommission,talkswithacademicianofChineseAcademyofEngineeringGuanHuashiatPilotNationalLaboratoryforMarineScienceandTechnologyduringaninspectiontourinQingdao,EastChinasShandongprovince,June12,2018.[Photo/Xinhua]PresidentXiJinpingconductedaninspectiontourinthecitiesofQingdaoandWeihaiofShandongology(Qingdao),toknowmoreaboutmajorfrontiersciences,theindependentresearchanddevelopmentofmarinehigh-endequipment,,GuanHuashi,anacademicianfromChineseAcademyofEngineering,s"bluedrugstore".ChengYonghua,ChineseAmbassadortoJapan,speaksduringanewsconferenceatJapanNationalPressClubinTokyo,July23,2015.[Photo/VCG]ThetripwillbefirstonebyaChinesepremierineightyearsTOKYO-ChinesePremierLiKeqiangsupcomingtriptoJapanisofgreatsignificancetobilateralrelationsaswellasregionalcooperationandprosperity,meetingofChina,JapanandtheRepublicofKorea,,theambassadorsaid,isexpectedtofurtherconsolidatethewarming-upyearsofthisdecade,whichseriouslydamagedthepoliticalmutualtrustandpracticalinterestsofthetwocountries,,thetwosidesreachedafour-pointagreementthatreaffirmedtheprinciplesforthemtoproperlyhandlehistorical,territorialandotherissues,andbilateraltiesbegantoimprove,,Chengsaid,hasfurtherincreasedsinceChinesePresidentXiJinpingmetinMay2017inBeijingwithToshihiroNikai,secretary-generaloftheLiberalDemocraticParty,wholedtheJap-JapanTreatyofPeaceandFriendship,ChengsaidthetwoneighandJapanshouldsticktopeace,friendshipandcooperation,whichisnotonlythesolecorrectchoiceforthetwosides,butalsothecommonaspirationoftheinternationalcommunity,especiallytheAsiancountries,,bilateralexchangesan,bilateraltradereturnedtoabovethe$300billionlevelandpersonnelexchangesincreasedtoarecordhighof10million,,ChinaandJapanaresharingmoreandmorecommoninterests,saidCheng,addingthatastwoimportantplayersinAsiaandbeyond,thetwocountriesalsoshoulderthecommonresponsibili,hesuggested,shouldseizetheopportunitytostrengthenexchangesandcooperationinvariousfields,continuouslyexpandtheircommoninterests,,LisofficialvisittoJapanandattendanceatthetrilateralleadersmeetingareworthlookingforwardto,theambassadorsaid."Ibelievethatwiththejointeffortsofthetwosides,thisvisitwillhelpbringChina-Japanrelationsbacktotherighttracksothattheycanrealizesoundandstabledevelopment,"

  

  中国正在疏远俄罗斯?俄总统新闻秘书:不属实

 
责编:

支付宝共享单车保险撬动了什么?

ChengandhisteamperformduringtheweeklongStraitsForuminXiamen,receivedfromteachersinthestudentaffairsoffice."Ishoutedatthem:WhydoyoutreatmelikethisIalsogetbulliedbyothers,"edhimtightly,askinghim:"tyoufeelourloveandtolerance""Herwordswereaturningpointinmylife,whichmademedeterminedtochangemyself,"hesaid."Later,,IfeltasifIhadtwolegsthatcouldmovefreelyandfast."Chengstartedlearningwheelchairdanceandwheelchairsports,includingbasketballandbadminton."AtfirstIwasunwillingtopracticedancingbecauseIthoughtitagirlishthing,"hesaid.""Throughdancing,Chengfoundhisconfidenceandself-esteem."Onceanoldwomanintheaudiencetoldmethatmyperformancecouldtouchalotpeople,"hesaid."Igraduallyrealizedthatwheelchairdanceisnotjustaperformance,butawaytoinspireothers."Chenglaterimprovedonthetraditionalformofwheelchairdancing,whichwaspassive,andaddedmoredancingstyles,suchaship-hop,andgesturestohisperformance.

2019-09-17 09:02 新华网

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来源标题:支付宝共享单车保险撬动了什么?

本周,五颜六色的共享单车行业继续产出爆款新闻:不仅国内一半的共享单车可以用支付宝扫码解锁,4月29日,支付宝还宣布,通过支付宝扫码骑车的用户都将获得一份最高达50万元的意外保险保障。

共享单车行业,除开乱停乱放、用户毁损和高额押金三大痛点外,最大一个痛点就是用户安全保障问题。不同于自有自行车,共享单车统一定制,使用熟练度欠缺,都可能造成用户骑行出现一定比例的伤害风险,作为机构提供的产品,用户一旦骑行受伤,自然会将索赔的矛头指向单车提供者。所以,ofo已经在APP上明确提示禁止12岁以下儿童使用其产品。但这显然不是治本之道。怎样保障骑行者的安全?保险的手段成为一个最可持续的产业设计。

相信正是看到这一点,宣布要“用技术改变金融”的支付宝站了出来,在支付宝内开通了共享单车骑行安全保障险:凡是用支付宝扫码解锁的骑行过程,都赠送一次保险保障。这意味着,一个用户每骑一次车,就送一次保险。保险覆盖医疗、伤残和身故,最高50万元。对比支付宝内已有的电动车骑行安全保险,39元一年,最高获赔5万元。做一个不太“精算”的简单算法,支付宝相当于为用户每次骑行赠送了价值390元的保险。

据悉,目前接入支付宝的单车达600万辆,按照每辆每天被骑行2次计算,一天相当于赠送1000余万份保险。支付宝此次赠送单车保险力度之大,超出想象。

一个现象级企业,显然不会无端胡乱烧钱。支付宝拿出如此真金白银,意欲何为?参照国内另外一个创造了天量保单的“退运费险”,或许可以理解支付宝的逻辑。

5年前,“网络购物退货谁来付运费”成为淘宝上最常见的买卖纠纷,淘宝平台也很难判定每一单是谁的责任,于是开始引入保险,希望一旦有退货,都能由保险来赔付。

但推出“退货运费险”初期,承保的保险公司亏损严重。亏损的原因也很简单,对于用户来说,既然花5毛钱就能由保险公司来买单,那么为什么不一件衣服大中小号都买,挑好合适的再退呢?这样一来,保险中的概率事件就变成了大多数必定发生的事件。

为了解决这个问题,支付宝把大数据能力引入保险业作为传统金融的核心能力:保险精算。通过扩大保单量,大数据分析,以及针对不同用户、不同性别、不同商品类目,大数据判定出退货几率,最终实现千人千面定价。很快,保险公司扭亏为盈,用户可以选择提供免费退运险保障的店铺,卖家也因为该保险降低了人工成本提升销量,达到了“三赢”的结果。

据悉,退货运费险已经成为国内网络购物的“标配”,2016年“双11”,退货运费险一天出单6亿单,打破全球保险业的保单量纪录。

作为下一个风口产业,共享单车以其高频场景、物联网想象力,很可能再次塑造一个现象级产业形态,但这个产业如果没有保险等金融产品护航,很可能在一些核心症结上裹足不前,蚂蚁金服(支付宝母公司)从今年开始高调转型,将核心战略定位于以互联网科技助力金融创新和金融普惠,也就不难理解其为何拿巨额资金要为全国数以亿计的共享单车用户赠送意外险了。

据公开报道,自4月29日起的4天内,已有近13万人查看支付宝骑行保障规则,体验理赔流程。其中真实报案并完成申请理赔的已有11例。目前在支付宝中支持扫码骑行获取保险的单车有ofo、永安行、小蓝、优拜和funbike单车。

从另一个视角看,这也可能是一次现象级的中国互联网保险全民科普行动。打开支付宝,还可以发现很多千奇百怪的保险品种:退货运费险、熊孩子保障险、手机碎屏险等,都是在传统保险公司里看不到的险种,又涵盖着消费者生活的方方面面,对质量、物流、售后、价格、信用提供各种各样的保障。

在科技的帮助下,保险与消费相互刺激和拉动,消费场景中有了保险,消费者可以放心购买,商家可以更好地服务,对于保险业界来说,新险种新玩法也是在慢慢培育用户,将大量互联网用户培养成新“保民”。这样的良性互动,既培育了消费新动能,又通过互联网这样的新实体经济助力了保险业等金融产业的发展。如此看来,支付宝撬动的,远不止于共享单车的使用率。

责任编辑:陶国琪(QT0003)

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