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【汽车行业周报】行业大整顿:60天账期、车贷高息高返、抽查新车_我的网站

痞子英雄

一 |     

[ 行业] 过去2周重点事件集中在,国家监管对汽车行业推出多个政策,整顿汽车行业、反内卷和无序竞争出台多项政策:一、要车企承诺实现60天账期,但不够,需要明确“账期”的计算方式,不然车企会拉长验收时间;二、工信部对舆论关注度高或有隐患车型加大抽查力度,严禁偷工减料降本;三、全国工商联建议经销商返利政策也要规范,最好不超30天;四、多地金监局叫停银行车贷“高息高返”,消费者看似划算 ,内含多重风险,经销商是时候改革了。    
As government scrutiny and even some statewide TikTok bans trickle in, concerns about the app’s impact on youth mental health are often repeated. Among the concerned are the bereft parents of a teen who killed himself last year, reportedly after seeing self-harm content on TikTok.
While states and some organizations decide whether TikTok poses enough danger to warrant a ban, I want to sound the alarm about an online mental health risk that’s even more chronic and not limited to TikTok: an epidemic of self-diagnosis, fueled by social media, that’s leading to improper treatment, missed treatment and the trivialization of serious mental health conditions.
If there’s a silver lining to the COVID-era mental health crisis, it’s that people seem more willing than ever to talk about mental health struggles with friends, with colleagues and sometimes to the whole world online. Even better, they’re willing to get help. The percentage of adults aged 18 to 44 seeking mental health treatment rose significantly during the first years of the pandemic, according to data from the Centers for Disease Control and Prevention.
If you spend any time online, you can’t miss the new candor about mental health conditions. TikTok and Instagram influencers share their struggles and diagnoses on camera. In recent years, executives on LinkedIn have shared photos of antidepressant medication with the hashtag #PostYourPill. Actor-singer-beauty mogul Selena Gomez launched an entire content platform focused on “mental fitness.” Conditions such as anxiety disorder, ADHD and OCD are not only being de-stigmatized, in some contexts, they’re trending.
Open discussion of mental health is undoubtedly a good thing when it eradicates shame, results in people feeling less alone or motivates somebody to seek needed professional care. But in this new era of openness, we risk oversimplification and even trivialization of complex medical conditions, increasing the risk of overtreatment for some, undertreatment for others and overall mistreatment of people exposed to a cacophony of mental health conversations online but lacking access to balanced, authoritative information and quality clinical care.
Let’s say a young woman perusing TikTok sees an influencer sharing that he has attention-deficit/hyperactivity disorder, then – thanks to social media algorithms – over the next week, more ADHD-related content appears in the young woman’s feed. Some of the symptoms feel relatable, so she does a YouTube search on ADHD. After watching a few of the thousands of videos on the topic, she decides that she herself has ADHD.
This is not unusual. Some therapists at Talkspace, where I serve as the chief medical officer, report they have clients coming to sessions with more complex or specific self-diagnoses. Whereas a client might have said, “I think I’m depressed,” a few years ago, now more are saying, “I think I have borderline personality disorder” or “I think I’m on the autism spectrum.”
Such self-diagnosis can be dangerous. When a social media user becomes convinced that they have a mental health disorder, it can lead them to seek inappropriate treatments. They may announce their self-diagnosis to a primary care provider who doesn’t have sufficient mental health expertise to appropriately evaluate the presenting symptoms. Or the patient may wind up using a telehealth provider to get a prescription medication that’s not helpful or is dangerous. In the case of the hypothetical young woman above, she’d likely be seeing ads for ADHD-focused telehealth prescribers within days, if not minutes, of initially engaging with ADHD influencers.
Diagnosing a mental health disorder isn’t as simple as checking off a list of symptoms. Many healthy people experience symptoms of a mental health condition, but the true measure of whether those symptoms merit a diagnosis and treatment is whether they impair the individual’s ability to function. That determination requires working with a licensed mental health professional to evaluate the frequency, intensity, severity and specificity of those symptoms, and understand them within the broader context of life events, stressors and family history.
A “reel” diagnosis needs a real-life one
To address the “TikTok effect” and stop the dangers of self-diagnosis, mental health professionals must meet people where they are: online and actively searching for answers, inadvertently creating a curated feed.
Social media companies and other platforms with user-generated content have a responsibility to create guardrails that ensure clinically-vetted and accurate information is within reach of anybody seeking content about mental health conditions.
For example, if you enter the search terms “depression” or “suicide” into Instagram, you’re offered a list of mental health resources. However, searches related to specific conditions like OCD, ADHD and Tourette’s link directly to memes and user-generated videos of (to put it generously) mixed quality. Since the start of the pandemic, we’ve seen how quickly social platforms could flag content related to COVID or vaccines and direct people to CDC information on those topics. Therefore, it does not seem unreasonable to expect the same for content around sensitive mental health topics.
When somebody hears about a condition online and believes, correctly or not, that it affects them, they are more likely to feel worried, triggered or even distraught. Thankfully, that same technology can quickly link them with mental health care without stigma or stress and allow them to find real answers under a professional’s guidance – if they land at a responsible, high-quality source of tele-mental health. We recently revamped our own site to provide clinical insights from a dedicated team of licensed, practicing clinicians to add dimension to the spectrum between experiencing symptoms and having a condition.
Unfortunately, some telehealth services are all too quick to prescribe medications, including controlled substances, based solely on answers to online questions. At Talkspace, I am personally committed to our policy of not prescribing controlled substances online. When our board-certified psychiatrists and psychiatric nurse practitioners do prescribe medication, it is only after live video consultations and a comprehensive psychiatric evaluation.
Because mental health conditions are so much more complex than what can be captured by a checklist of symptoms, I’m wary of any company that prescribes without live consultations. When digital health companies feed into the misconception that everyone with depressive symptoms is clinically depressed or anyone who’s easily distracted has ADHD, they risk hurting more people than they help.
At a time when it’s all too easy for both the worried well and people with serious mental health conditions to self-diagnose online, it’s imperative that both social media and digital health companies do everything possible to direct vulnerable audiences to trustworthy information and comprehensive, ethical care.
新势力方面,哪吒汽车母公司正式启动破产重整,讨薪围堵董事长讨要薪水。但破产并不能都解决问题,例如众泰汽车,重组效果不佳,再陷退市危机。小米YU 7发布会,3 分钟大定20万,剖析核心竞争力。海外方面,特斯拉启动Robotaxi试运营,或是扭转被动局面的绝佳机会。
6月10日,晚20点01分,广汽集团率先在官方公众号喊出了将供应商付款账期缩短至60天以内的承诺。随后,中国一汽、东风汽车、赛力斯集团、吉利汽车集团也分别在20点到23点15分之间在自家微信公众号和社交媒体发文承诺,将供应商支付账期缩短至60天内。6月11日,作出供应商账期承诺的车企阵营不断扩大,包括奇瑞集团、长城汽车、北汽集团、上汽集团、江淮汽车等传统车企,以及造车新势力小鹏汽车、零跑汽车、理想汽车、蔚来、小米汽车等。其中,北汽集团和上汽集团还宣布,全面取消商业承兑汇票。车企为价格战备战,延长账期成为业内常态2023年以来,价格战多次席卷汽车市场,车企为了降低成本,频频向上游供应商传递压力。在选择供应商时,汽车企业一般追求低价中标,还会要求供应商每年按一定比例降价。《条例》能否约束车企反“内卷”,还是形式大于实质?另有供应商对车企账期承诺能否真正兑现持怀疑态度,认为在当前市场环境下,落实承诺的难度较大。价格是由市场决定的,如果竞争局面没有根本改善,这些承诺可能形式大于实质。很多车企自身利润尚且面临压力,账期承诺可能对应供应商更低的供货价格,也不排除车企收货后拉长验收时间

二 | 需要明确“账期”的计算方式车企应当进一步明确60天账期细则。比如账期是从车企收货、还是从出票开始计算,开票月是否计入账期,60天账期后的支付方式是现金还是承兑汇票,这些承兑汇票期限和账期是什么关系等。压缩账期是近期国家部署汽车行业反内卷的主要思路之一车企做出承诺是为落实国家及相关部委就保障产业链供应链稳定、促进汽车产业高质量发展作出的一系列部署要求。

三 | 国务院《保障中小企业款项支付条例》于2025年3月发布,自6月1日起实施。其中明确要求,机关、事业单位和大型企业从中小企业采购货物、工程和服务,最长付款期限不得超过60天。《条例》还提出,机关、事业单位和大型企业不得强制中小企业接受商业汇票、应收账款电子凭证等非现金支付方式,不得利用商业汇票、应收账款电子凭证等非现金支付方式变相延长付款期限。

四 | 短评:吴松泉建议主管部门要加强汽车产品质量监管、严厉打击侵犯消费者权益行为,严禁地方政府违法违规给予优惠和补贴,这也是导致车企在价格战更有底气的来源。此外,主管部门还应出台汽车领域相关法规指南或实施细则,针对突破法律法规和市场竞争边界的恶性竞争行为加大执法力度,形成震慑。

五 | 部分行业人员也提议,要畅通企业退出机制,减少市场内企业数量,主管部门也应考虑尽快实现“油电同权”,即取消新能源汽车相关购置税减免等优惠,从根本上减少市场竞争。

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Published on:16:32:13