Did you watch the Xiaomi new product launch tonight? I don’t know if this conference is important in everyone’s mind, but it seems to be quite heavy in Xiaomi.

　

The night before the press conference, Xiaomi CEO Lei Jun issued a document saying that the rehearsal was smooth, "but it still took more than three hours, and the content will continue to be streamlined"; Xu Fei, CMO of Xiaomi, said in Weibo that there were too many contents to be released. In order to streamline the contents, "PPT was deleted all day yesterday".

　

So, what did this press conference, which made Xiaomi’s top management feel burdened, release? Let’s simply say that the understanding angle is very subjective.If you want to add or refute, please feel free to leave a message and focus on a chat..

　

Xiaomi 澎湃 OS 2.0 operating system

　

Heart-warming reason: super little love.

　

Based on 澎湃 OS 2.0 technology, an upgraded version of "Little Love Classmate"-Super Little Love was born. Although the "smart phone" should be called "stupid phone" in terms of experience, a smart phone equipped with super little love is too "stupid".

　

　

It is difficult to vividly summarize the advantages of this system, and agree with the official words "strong", "easy to use" and "alive".

　

On WeChat, Xiaoshuai said to you, "Xiaomei, I want you to eat pig’s foot rice at five o’clock tomorrow afternoon." You said "Write it down" on your mobile phone, and Super Little Love read the screen and recorded the appointment of pig’s foot rice in the schedule.

　

When you see the beautiful clothes of the little red book blogger, you say "search the same shirt" on your mobile phone, and Super Little Love will help you search the whole network;

　

You want to watch the video of the cat stepping on milk, but you don’t want to go to the vast photo album to look through it. Say "Help me find the video of the cat stepping on milk" on your mobile phone. Hey, it really turns it out for you, and it starts with the frame of the cat stepping on milk.

　

This is really a mobile phone that can be used without fingers! But whether you need this function (for example, some people really enjoy making their own schedules) depends on you.

　

By the way, as an Apple user, I am deeply fascinated by the timbre of Super Little Love, which is so unlike AI. Do all your Xiaomi users eat so well?

　

From 4499 yuan: Xiaomi 15 series mobile phone

　

Heart-warming reason: good-looking, studded (cultivating drill)

　

What is the most prominent feature of Xiaomi 15 mobile phone? Judging from the order and length of the story, the appearance may be the most effective. Size, small, thin and light, it is no longer the kind of typing instrument that was popular in previous years.

　

Xiaomi 15 mobile phone also has a special bright silver version with a sparkling backplane on the back; Customized versions of various colors; Limited edition with a diamond-these are all good, but the disadvantage is that it is probably inconvenient to use the phone case (but you know, the phone case is often much more beautiful than the phone itself).

　

　

Liangyinban bilibili/ Xiaomi Company

　

　

Diamond-encrusted version of bilibili/ Xiaomi Company

　

In addition to "good-looking", Xiaomi didn’t put too much emphasis on other features of the mobile phone, and it felt a little long, and even put a jingle on it (and it didn’t rhyme).

　

　

As for the 15 Pro, the main thing is that all kinds of performances are Pro, and the weight and size are pro.

　

From 999 yuan: Xiaomi Pad 7, Pro and floating keyboard

　

Benchmarking Apple in all directions: My proportion is more comfortable than yours, and my floating keyboard is easy to use and the price is much lower than yours.

　

　

Xiaomi pad 7 since 1999; Pad 7 Pro 2299 yuan.

　

　

From 399 yuan: bracelet, charging treasure

　

The bright spot is limited, which belongs to the regular upgrade of conventional products. For example, the screen of the bracelet is bigger, the movement mode is better, and more message centers are accessed; The charging treasure has its own line and fast charge, and it can also be taken on the plane.

　

　

　

Mi band 9 Pro TPU wristband: 399 yuan

　

　

Pro version of the old appliances

　

There is a saying that Xiaomi’s household appliances are quite good, easy to use, beautiful and easy to sell. Moreover, Xiaomi has just built a super-large smart home appliance experiment center in Wuhan.

　

Today’s press conference also released some pro versions of existing household appliances, and we think that washing machine is really good.

　

　

3299 yuan: Xiaomi smart door lock M30

　

Smart door locks are very popular, aren’t they? Such things as key chains will be as extinct as wallets. This Xiaomi intelligent door lock M30 has many ways to unlock: palm vein recognition, face recognition, fingerprint recognition, password, emergency key, Bluetooth …

　

In fact, it is necessary to diversify the unlocking methods. For example, if the hands are too dry or the fingers are worn out and peeled, it is not easy to unlock the fingerprint. Wearing a mask hat, face recognition is not good; If you have a bad memory, your password won’t work. In short, it provides you with a variety of ways to get in.

　

　

Xiaomi Intelligent Door Lock M30 È bilibili//Xiaomi Company

　

From 8499 yuan: Xiaomi TV S Pro 85

　

Compared with the previous version, there are some quantitative changes, such as more partitions and better picture quality; There are also some qualitative changes, such as carrying 澎湃 OS 2.

　

Nothing else is very special, after all, even the "standby picture is lifelike like a mural" can be taken out and said specifically.

　

　

Ask knowledgeable friends to say, is there any qualitative leap in this TV? Bi bilibili/ Xiaomi Company

　

3999 yuan: mijia refrigerator Pro

　

Xiaomi kitchen is full of electricity, who has used the trouble to raise a hand, and what experience is it?

　

This Pro Xiaomi refrigerator has three selling points: dual system. The refrigeration and freezing areas have their own refrigeration system, evaporator and circulating air duct, which means that they are separated except for the circuit and physical form.

　

Everyone who buys household appliances knows the benefits of double circulation: refrigeration and freezing don’t smell bad.. The dual system makes the temperature control of refrigeration more accurate, and the food is delicious and safe.

　

　

Tu Miao bilibili/ Xiaomi Company

　

2999 yuan: Mijia washing machine Pro blue oxygen

　

This washing machine focuses on "blue oxygen" technology, which can electrolyze water, generate five different reactive oxygen ions for cleaning, achieve sterilization and so on-so I have been thinking all the time, which five are these "five reactive oxygen ions"? I, a chemistry graduate, am ashamed because I have no impression of this knowledge.

　

　

Blue oxygen washing machine, bilibili/ Xiaomi company, which doesn’t understand the subtleties very well

　

But this washing machine is really nothing compared with the following paragraph!

　

Very shocking new home appliances!

　

None of the above is very exciting, but I really "wow" when Xiaomi released two new household appliances without collecting money.

　

4999 yuan: Mr. Lei, did you really make the partition washing machine?

　

When you use a washing machine, you always have to face several soul questions: can you lose your underwear in the washing machine? Can underwear and coat be washed together? Is it too wasteful to turn on the washing machine just by washing the underwear changed at night?

　

So before, some netizens shouted under Lei Jun’s social dynamics: Lei Zong! Please make a partition washing machine!

　

　

Unexpectedly, it was really made this time.

　

Mijia, a washing machine, actually has two drums. The two drums have independent suspension systems (earthquake resistance and noise reduction), five variable frequency motors (washing, drying and water supply and discharge of the two drums) and six temperature sensors. The big drum is used as an ordinary washing machine, and the small drum is used to wash underwear. The design of cold water decomposition, temperature rise and stain removal, and underwear laundry liquid special delivery drum is specially designed for underwear, and the effect of sterilization, acaricide and virus killing is better.

　

　

　

The characteristics of big tube and small tube: bilibili/ Xiaomi company

　

　

Design of small tube for washing underwear; bilibili/ Xiaomi company

　

What is touching is that,Its big cylinder and small cylinder can wash clothes or dry at the same time.It is said that the working temperature and state will not interfere with each other.

　

The most touching thing is that instead of "welding" a small washing machine on an ordinary washing machine, it finally gets a giant "multifunctional" washing machine, butIt’s really only as big as a standard drum washing machineSimple and beautiful, easy to change the machine in situ painlessly.

　

　

I cried, bilibili/ Xiaomi Company.

　

I think Mr. Lei has only one problem to solve: Do you want to design another small tube, so that the big tube washes the coat, the small tube A washes the underwear and the small tube B washes the socks?

　

Driven by curiosity, I really searched the existing partition washing machines on the market. Many high-end and low-end brands have introduced twin washing machines/washing and drying machines. Generally, the upper drum is about 4kg, the lower drum is 9-10kg, and the height is about 1.5 washing machines. This does create a problem,It’s just that a family needs extra space if they want to replace their old washing machine with this one., may not be able to install directly on the old machine.

　

　

A partition washing machine that Xiaomi had produced before is more like a huge sewing monster (but it sells well according to themselves). What about bilibili/ Xiaomi Company?

　

TCL has also introduced a flip-top product, with an upper cylinder of 2kg (possibly a pulsator) and a lower cylinder of a drum washing machine. It’s a dual-motor product, but it’s not sold in online stores. It’s only displayed in official website. I wonder if it’s not popular enough.

　

　

In these two types of washing machines, the main drum and the auxiliary drum are on the same longitudinal axis, so they can use the same set of counterweight system (cement pier). The auxiliary cylinder of Xiaomi is greatly deviated from the center line. Will it really not shake the machine more and more when it is dried? Is this what it is?Double suspension systemBecause of?

　

Next, we hope Xiaomi can answer this question: can you save some electricity by washing and drying with a small tube alone?

　

3499 yuan: air-conditioning disease, cured by one of your vents?

　

Air conditioning is not perfect. Blowing cold air directly in summer will cause "air conditioning disease", and heating with warm air in winter is not effective, because the hot air has gone to the ceiling.

　

We have always known this problem, but the solution is to "blow less in summer", "buy a pocket to change the wind direction" and "wear more clothes in winter without turning on the air conditioner".

　

Only Xiaomi is really solving the problem!

　

The air outlet of this Mijia air conditioner is upward! The advantage of this is that in summer, the cold air comes out from the top and blows out the "canopy wind" along the ceiling, not directly at people.

　

　

Nobody can be blown straight, can they? Bi bilibili/ Xiaomi Company

　

What about winter? Isn’t it even harder to get warm air? Hey, when it comes to heating in winter, this air deflector will turn over and let the warm air tilt down, forming a "carpet wind"! When I saw this page of PPT, I heard a "wow" at the press conference: Really, why didn’t we think of it?

　

　

Warm air goes down first! Bi bilibili/ Xiaomi Company

　

It sounds as if the problems of "direct blowing in summer" and "not warm in winter" have been solved in theory, but what is the actual effect? Let’s wait for the pioneers to buy it!

　

814,900 yuan car: SU7 Ultra can compete in the street.

　

To tell the truth, in this release, I seem to hear manager Lei choke several times …

　

This afternoon (before the press conference), the prototype of SU7 Ultra ran at the speed of 6’46"874 at the New North Circuit, becoming the fastest four-door car in the history of New North. In the previous month, the weather and road conditions in New North have been poor, and it is said that it is only enough to run once; They ran such a speed under the unfavorable conditions of slippery ground, and manager Lei said it was really exciting. The 100-meter acceleration of the production car also reached 1.98 seconds.

　

The selling point of this car is "street racing", from motor to carbon fiber material and brake disc, it is aimed at high-end development. The price is also much higher than Su7: 814,900.

　

　

　

Moreover, its post-race performance analysis and fast sharing of lap videos remind me of …… Mario Kart 8. You can not only compare with your own historical achievements, but alsoCompare with the historical achievements of other drivers on the same track., plus detailed performance analysis, tell you where to run better … This mode is a bit impressive!

　

　

　

Well, after reading our conference summary, which products are you most satisfied with?

　

Authors: Li Xiaokui, luna,

　

　　Since December 2016, the pensions that the capital market has been looking forward to have been "starting" one after another, and have been entrusted to operate for nearly three years.

　　By the end of September, the governments of 18 provinces (autonomous regions and municipalities) had signed entrusted investment contracts for basic old-age insurance funds with the National Social Security Fund Council, with a total contract value of 966 billion yuan, of which 799.2 billion yuan had been received and started to invest.

　　This latest set of data has heated up the topic of "entering the market" for pensions again. For the performance of "entering the market" in the past three years, the reporter of "Workers Daily" has been interviewing many experts recently. They said that as an important means to maintain and increase the value of pensions, the pace of pension investment and operation has gone steady. This is normal despite short-term fluctuations due to the influence of the capital market. At the same time, there is still much room for growth in the future.

　　The income is nearly 20 billion yuan.

　　The reporter found out that at the end of 2018, the first quarter, the second quarter and the third quarter of this year, the funds received by the entrusted operation of pensions were 605 billion yuan, 624.869 billion yuan, 706.2 billion yuan and 799.2 billion yuan respectively. Compared with the working capital received in the three quarters of this year, it increased by about 19.9 billion yuan, 81.3 billion yuan and 93 billion yuan respectively.

　　Fang Lianquan, Secretary-General of the World Social Security Research Center of China Academy of Social Sciences, thinks that it means that the pension "entering the market" is steadily advancing, the scale is constantly expanding, and the pace is accelerated, which is linked to the reduction of social security fees this year. "After the fee reduction, it is necessary to increase the income of social security funds through multiple channels. Investing in and operating the basic endowment insurance fund is one of the channels, which is conducive to maintaining and increasing the value of the fund. "

　　After the implementation of the comprehensive fee reduction plan in May this year, Nie Mingjuan, director of the Department of Endowment Insurance of the Ministry of Human Resources and Social Security, said recently that local implementation is relatively in place, and all provinces with pension insurance unit rates higher than 16% have dropped to 16%. By the end of September, the total cost reduction of enterprise pension insurance, unemployment insurance and industrial injury insurance was 272.5 billion yuan.

　　According to the Measures for the Administration of Investment in Basic Endowment Insurance Funds promulgated in August 2015, provincial governments, as the trustors of entrusted investment in pension funds, can determine the specific investment amount and entrust investment operation after reserving certain payment fees in combination with the balance of local pension funds.

　　So, what are the benefits? Judging from the 2018 annual report on the entrusted operation of the basic old-age insurance fund published by the National Social Security Fund Council, as of the end of 2018, the Social Security Fund has signed entrusted investment contracts with 17 provinces (autonomous regions and municipalities), all of which are guaranteed for a period of five years, with a cumulative investment income of 18.683 billion yuan.

　　"Pension ‘ Entering the market ’ After that, the steps went more steadily. " Lu Quan, secretary-general of China Social Security Society and associate professor of Renmin University of China, told the reporter that the basic old-age insurance is a pay-as-you-go system. It is necessary to clarify whether the pension invested is a balance of the overall account or a personal account. "If it is a personal account balance, the rate of return should be able to outperform the wage growth rate and inflation rate."

　　Don’t panic, it’s fluctuation, not decline.

　　Since it was commissioned to operate, the reporter noted that in 2018, the investment return rate of the basic old-age insurance fund was 2.56%, which was 2.67% lower than that of 5.23% in 2017.

　　Why is it falling? For this question thrown by the reporter, Fang Lianquan made a revision of the statement, "It is a fluctuation, not a decline. Investment operation is a market behavior, and short-term fluctuations are inevitable. "

　　In fact, for the 2.56% earnings report card, many interviewed experts analyzed it as normal market performance.

　　"Last year, the overall operation of the capital market was not very prosperous, which had a great impact on basic pension investment. Overall, the income of 2.56% last year was still normal. " Dong Keyong, secretary-general of the 50-member Forum on China’s Pension Finance, told reporters that there is a certain period in the investment and operation of the basic pension insurance fund, and its assessment and evaluation should focus on the long-term perspective, rather than paying too much attention to the short-term rate of return.

　　Regarding the fluctuation of the rate of return, Lu Quan told reporters that this also shows that the capital market is uncertain and there are systemic risks including increasing downward pressure on the economy and fluctuations in the capital market. Therefore, in the long run, he believes that it is necessary to establish a risk hedging mechanism. "When some European and American countries invest in operating pensions, they mostly smooth the average rate of return for 20 or 30 years to avoid systemic risks."

　　It is worth noting that many people have misunderstandings about the market-oriented operation of pensions. In fact, it is not "stock trading", but a diversified investment portfolio, which fights inflation, maintains value and increases value, covering more than 20 investment products. The proportion of investment in stocks, stock funds, mixed funds and stock-based pension products shall not exceed 30% of the net asset value of the fund.

　　In response to people’s concern about whether "entering the market" will affect pension benefits, Fang Lianquan pointed out that the investment and operation of basic pensions are not directly linked to individual pension benefits, and the amount of personal pensions is based on relevant pension calculation and payment methods. If you make money, the total amount of the fund will increase, and you will be more able to guarantee payment, with more balances and stronger sustainability.

　　There is a lot of room for future increment.

　　Judging from the latest bill of pensions, from January to July this year, the income and expenditure of the basic old-age insurance fund for enterprise employees nationwide were 2.2 trillion yuan, with a balance of more than 200 billion yuan and a cumulative balance of about 5 trillion yuan. Compared with the accumulated balance, the proportion of local contracted entrusted investment is still less than 20%. In this regard, Fang Lianquan believes that it is necessary to increase efforts to promote fund collection and expand the scale of entrusted investment.

　　In the future, there is a large space for pension investment. Wang Wenling, vice chairman of the National Social Security Fund Council, pointed out, "At the end of 2018, the balance of basic old-age insurance reached more than 5 trillion yuan, and the balance in Guangdong Province was 1 trillion yuan. Now it is entrusted to invest 100 billion yuan. Beijing has a balance of 200 billion yuan. It can be seen that there is still much room for improvement in the proportion of investment funds for basic endowment insurance funds. "

　　The reporter learned that nearly 800 billion yuan of investment has come from the basic old-age insurance managed by the government, which is the "first pillar" in China’s current old-age insurance system. With the increasing pressure of pension payment brought by the aging development, the state has made continuous efforts to build the "second pillar" of the old-age insurance system, namely enterprise annuity and occupational annuity, and the "third pillar" of personal savings pension insurance and commercial pension insurance, and gradually promoted the improvement of the three-pillar old-age insurance system.

　　"Pension ‘ Entering the market ’ In fact, it is a comprehensive concept, including one, two and three pillars of investment funds. " Dong Keyong predicted that the investment funds of the first pillar in the future will still follow the principle of prudence and maintain reasonable growth. In the short term, the "market entry" funds of the second and third pillars cannot surpass the "market entry" funds of the first pillar for the time being. However, with the development and perfection of the pension system in China, the space for the pension to enter the market is actually in the "fund plate" of the second and third pillars.

　　Lu Quan agreed with this view. He believes that among the three pillars, the first pillar of basic old-age insurance should adhere to pay-as-you-go and realize mutual assistance among all workers, while the second pillar and the third pillar adopt a complete accumulation system, and this part of accumulated funds should be invested more in the capital market to maintain and increase the value on the premise of ensuring the safety of the fund.

　　In addition, on October 30th, the website of the Ministry of Finance published the Letter of the Ministry of Finance on the Proposal No.0613 (Finance and Taxation No.038) of the Second Session of the 13th CPPCC National Committee. In the reply letter, the Ministry of Finance pointed out that with the gradual maturity of the market and the gradual enrichment of the experience of individual investors, more and more annuity plans will give individual investment options.