车企跨界卖保险再添一例。 12月4日，《国际金融报》记者注意到，北京盛唐保险经纪有限公司近日发布公告称，由于经营需要， 公司名称变更为"丰田保险经纪（北京）有限公司"（下称"丰田保险经纪"）。 据公司官网介绍，丰田保险经纪依托股东资源并凭借广泛的业务布局，致力于为丰田及雷克萨斯经销商 及零售和机构客户提供丰富多元的保险产品，涵盖零售客户车险、库存融资财产险、大客户车险，以及 其他特色非车险等。 近年来，车企"闯关"保险业脚步加快。在业内人士看来，对车企而言，卖保险可谓"一箭多雕"：既可以 构建"车+险"服务闭环，通过保险业务链接购车、售后等场景，增强与用户之间的联系；也可以依托车 辆数据优化风险定价模型，推出更个性化的保险产品，拓展佣金及增值服务等盈利渠道。 那么，车企竞相布局保险业务的背后，究竟是在下怎样一盘棋？ 车企扎堆涉"险" 公开资料显示，丰田保险经纪是国家金融监督管理总局批准成立的全国性保险经纪公司，总部设于北 京，在全国八个省份设立了分支机构，包括广东、浙江、新疆、云南、四川、河南、辽宁、吉林。 穿透股权关系来看，丰田保险经纪是丰田金融服务（中国）有限公司的全资子公司，后者则隶属于丰田 汽车株式会 ...

（编辑 姚尧） 证券日报网讯 12月4日，比亚迪在互动平台回答投资者提问时表示，钛7作为比亚迪旗下方程豹品牌今 年新发的重磅车型，上市以来持续热销。钛7不仅有同级领先的70.9%超高得房率、还有超过3.3m的乘 员舱有效车长，让每个人都能在钛7上找到自己最舒适的姿势。钛7不仅拥有"高庭阔院"，更有着包罗万 象生活的魔法空间，后舱容积达到了1000L，将二排座椅放倒后，更是瞬间拥有一个1880L的"超级"大 床房。钛7更有着丰富的智慧生态，首发首搭比亚迪全新智慧生态，通过以车为核心，链接一切的"智能 车+"生态战略，联合众多行业标杆品牌，为用户的美好生活添彩。公司将积极总结成功经验，进一步 推进公司高端化战略。 ...

Core Insights - BYD is emerging as a disruptor in the global government vehicle market, traditionally dominated by local and established German and Japanese brands [2][3][5] - The company is increasingly chosen for police and government vehicles across multiple countries, including Mexico, Austria, Hungary, Uzbekistan, and Brazil [5][7] Group 1: Market Dynamics - The overseas government vehicle market is known for its high standards and barriers to entry, which have historically favored local brands and traditional automakers [3] - BYD is breaking this long-standing dominance by offering innovative electric and hybrid vehicles that meet the evolving needs of government agencies [2][3] Group 2: Environmental Trends - Environmental considerations have become a core standard in government vehicle procurement, with many countries setting targets for the electrification of their fleets [7] - BYD is positioned as a strategic partner for governments aiming to achieve low-carbon goals, providing solutions that address both low emissions and charging infrastructure challenges [7] Group 3: Technological Advantages - BYD's technological strengths include its blade battery known for high safety and longevity, DM-i super hybrid technology for ultra-low fuel consumption, and the Yun Nian intelligent vehicle control system for enhanced stability and comfort [9] - These innovations cater to diverse needs, from daily commuting to emergency response, solidifying BYD's reputation as a global brand [9] Group 4: Sales Performance - In the period from January to November 2025, BYD's overseas sales reached 917,000 units, significantly surpassing the total overseas sales for 2024 [9] - BYD's electric vehicle products are now available in 117 countries and regions, reflecting the success of its global strategy and the growing recognition of Chinese electric vehicle brands [9]

来源：环球网 从匈牙利政府车队到巴西总统府，带有BYD标识的汽车正频繁出现在海外公务场景中。在全球公务车 市场这一长期被本土及传统德系、日系品牌占据的领域，中国品牌比亚迪正以破局者姿态悄然改变游戏 规则。从欧洲到亚太，从美洲到中东，比亚迪新能源汽车凭借创新赋能公务出行，目前已成为多国政府 机关和警务部门的优先选择。 海外公务车市场素以高标准、高门槛著称，长期被当地品牌及传统德系、日系车企垄断。然而，这一格 局正在被比亚迪打破。 目前多个国家选择比亚迪作为警务车辆，墨西哥大规模采购比亚迪混动皮卡"鲨鱼"用于城市安防与野外 任务。奥地利则选用比亚迪作为政府日常行政与外事用车。在匈牙利元PLUS的警务巡逻车现身街头。 甚至在乌兹别克斯坦总统府、巴西总统卢拉的座驾中都可以见到比亚迪的身影。 近年来，环保已成为全球公务车采购的核心标准之一。部分海外国家政府明确提出公务车新能源化比例 与时间表，传统燃油公务车在高强度使用下的高排放、高能耗问题日益凸显。比亚迪凭借全产业链新能 源技术优势，成为这一趋势的引领者。 在这一绿色转型浪潮中，比亚迪正在成为多国政府实现低碳目标的战略伙伴。其纯电与混动技术路线， 既满足低排放要求，又 ...

对于车企来说，30万分水岭下的差异化应对。按照现行10%的税率计算，1.5万元减税额对应的车辆价 格上限为30万元，30万元及以下车型可享受全额减半，而超过30万元的车型，需缴纳"车价×10%-1.5万 元"的购置税。 对主打中低端市场的车企而言，政策冲击相对有限。2023年电池级碳酸锂现货年均价为26.2万元/吨， 而到了2025年12月国内电池级碳酸锂基准价9.4万元/吨，而新能源汽车电池成本通常占整车成本的 30%-60%，原材料降价为车企提供了充足的让利空间。某品牌新汽车人员透露，公司的主销车型集中在 10-20万元区间，购置税调整后每辆车仅增加5000-10000元成本，完全可以通过供应链优化消化。 "到底要不要赶在年底买车？"这是最近纠结买新能源汽车的人共同发出的疑问。一边是2026年起新能源 汽车购置税从"全额免征"变为"限额减半"的政策倒计时，一边是车企扎堆推出的"现金直降+0息贷款"优 惠套餐，再加上社交平台上关于"明年新车技术更先进"的讨论，让无数潜在购车者陷入抉择困境。 告别全免时代，新能源汽车市场迎来"30万定价战" 2023年财政部等三部门联合发布的《关于延续和优化新能源汽车车辆购置 ...

Mainland China's billionaires have tightened their grip as Asia-Pacific's wealthiest after their combined fortunes swelled to nearly US$1.8 trillion, with electric-vehicle (EV) maker BYD's founder Wang Chuanfu and bubble tea chain Mixue's bosses among the biggest drivers of that growth, according to a UBS report. Backed by a booming tech sector and surging asset prices, the wealth of mainland China's billionaires jumped 22.2 per cent year on year to US$1.77 trillion in the 12 months to early April, accord ...

Core Viewpoint - BYD is not only a leader in electric vehicle sales but also a pioneer in electric vehicle technology, significantly influencing the industry standards and practices [3][14]. Sales Performance - In November 2025, BYD sold over 480,000 vehicles, with overseas sales exceeding 130,000, both achieving new highs for the year [1]. - Cumulatively, BYD's sales from January to November 2025 surpassed 4.18 million units, solidifying its position in the global electric vehicle market and making the annual sales target of 4.6 million units highly attainable [1]. Technological Innovations - BYD has introduced several groundbreaking technologies in the electric vehicle sector, including: - Remote vehicle control features launched in 2011, which are now standard in many electric vehicles [3]. - Remote driving capabilities introduced in 2012, evolving to smartphone control [6]. - Bidirectional inverter technology (VtoL) first launched in 2013, now widely adopted across various brands [8]. - The DM-i super hybrid technology introduced in 2021, which has set new benchmarks for fuel efficiency in the industry [10]. - Blade battery technology introduced in 2020, enhancing battery safety standards [11]. - Megawatt fast charging technology launched in early 2023, prompting competitors to develop similar platforms [12]. Research and Development Commitment - Between 2011 and 2024, BYD has consistently prioritized R&D, with 13 out of 14 years seeing R&D expenditures exceed net profits, totaling over 210 billion yuan by 2024 [13]. - In 2019, despite a low net profit of 1.6 billion yuan, BYD invested 8.4 billion yuan in R&D, laying the groundwork for future innovations [13]. - In the first three quarters of this year, BYD led A-shares in R&D investment, reaching 43.75 billion yuan, a 31% increase year-on-year, significantly surpassing its net profit of 23.33 billion yuan [15]. Industry Influence - BYD's evolution from being underestimated a decade ago to becoming a central player in the electric vehicle market reflects its significant impact on competitors, who have shifted from skepticism to emulation of BYD's innovations [14]. - The company's substantial R&D investment is comparable to the combined R&D expenditures of major competitors like Geely, SAIC, and Chery during the same period [15].

Core Viewpoint - The signing of the lithium iron phosphate processing agreement between Hubei Xingshun New Materials Co., Ltd. and Qinghai Fudi Industrial Co., Ltd. is expected to positively impact the company's performance and enhance its market position in the new energy sector [1] Group 1: Agreement Details - Hubei Xingshun New Materials will process and produce 80,000 tons/year of lithium iron phosphate products for Qinghai Fudi under a two-year contract, which can be extended for an additional year upon mutual agreement [1] - The agreement signifies a high recognition of the company's lithium iron phosphate production technology and product quality by Qinghai Fudi, a subsidiary of BYD, a leading manufacturer in the new energy vehicle sector [1] Group 2: Impact on Company Performance - The execution of this agreement is anticipated to lead to a significant release of production capacity in the company's new energy segment, which has seen its revenue contribution rise to approximately 3% of total revenue for the period from January to September 2025 [1] - The agreement aligns with the company's strategic development goals and is expected to benefit all shareholders by enhancing the company's operational performance [1] Group 3: Company Background - The company specializes in the production and sales of fine phosphorus chemical products and has recently entered the new energy sector, establishing several projects including 100,000 tons/year of phosphoric acid, 80,000 tons/year of lithium iron phosphate, and 100,000 tons/year of lithium dihydrogen phosphate [1]

Core Viewpoint - The signing of the lithium iron phosphate processing agreement between Hubei Xingshun New Materials Co., Ltd. and Qinghai Fudi Industrial Co., Ltd. is expected to positively impact the company's performance and enhance its market position in the new energy sector [1] Group 1: Agreement Details - Hubei Xingshun New Materials will process and produce 80,000 tons per year of lithium iron phosphate products for Qinghai Fudi under a two-year contract, which can be extended for an additional year upon mutual agreement [1] - The agreement signifies a high recognition of the company's lithium iron phosphate production technology and product quality by Qinghai Fudi, a subsidiary of BYD, a leading manufacturer in the new energy vehicle sector [1] Group 2: Impact on Company Performance - The execution of this agreement is anticipated to lead to a significant release of production capacity in the company's new energy segment, which has been gradually integrated into its main business of fine phosphorus chemical products [1] - As of January to September 2025, the revenue from the new energy segment accounted for approximately 3% of the company's total revenue, indicating growth potential in this area [1] - The agreement aligns with the company's development strategy and benefits all shareholders, contributing to the high-quality development of its new energy industry [1]

Core Insights - The Ti7 model has achieved a monthly sales volume of 24,019 units in November, marking the second consecutive month of surpassing 20,000 units, with total sales exceeding 50,000 units within 80 days of launch, and an average transaction price exceeding 210,000 yuan [1][7] Group 1: Product Features and Upgrades - The recent OTA upgrade for the Ti7 introduces a smart IoT scene mode, which includes three major scenarios: daily commuting, baby travel, and outdoor activities, enhancing user experience through voice control of various IoT devices [3] - The integration of the Ant Forest feature into the vehicle's system allows users to collect energy seamlessly without opening the app, promoting an eco-friendly lifestyle by connecting daily travel with environmental contributions [5] - The OTA upgrade also includes multiple experience optimizations such as adjustments to DC charging strategy, improved driving smoothness, and enhanced audio effects, thereby increasing convenience and comfort for users [5] Group 2: Market Performance and Brand Strength - The Ti7's continuous sales growth, with over 50,000 units sold and a strong presence in delivery locations, reflects its market appeal and user acceptance [7] - The overall sales of the Fangchengbao brand reached 37,405 units in November, with cumulative sales exceeding 180,000 units in 2025, indicating robust brand performance [7] - The Ti7's diverse features and deep integration with BYD's smart ecosystem, including various smart products, contribute to a comprehensive intelligent travel experience [7][9]