Personal loans for expats

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2021.09.19 15:27 mhm_21 Personal loans for expats

Hi everyone
I want to apply for a personal loan, and my bank(NBO) is very limited to given expats loans due to covid. I also checked with Muscat but same. Is there any other place I can try to apply?
Noting that I have an excellent salary) above 1k
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2021.09.19 15:27 cloctor 恒大“超越特斯拉”的牛皮成笑话

恒大“超越特斯拉”的牛皮成笑话
“我宣布,恒驰首期六款车同时发布!”2020年8月3日,随着许家印一声令下,恒大“六车齐发”,不仅打破了世界汽车工业的历史纪录,开创了全球新能源汽车市场之先河,也体现了恒大志在抢占全球市场,欲与特斯拉一决高下的巨大野心。图为恒大集团董事局主席许家印。(郭威利/大纪元)
“我宣布,恒驰首期六款车同时发布!”2020年8月3日,随着许家印一声令下,恒大一举在新能源汽车领域实现了“从0到6”的突破。丰田干了一百年的事,恒大只花两年时间就完成了。甚至还有评论说,作为中国民族汽车品牌,恒大“六车齐发”,不仅打破了世界汽车工业的历史纪录,开创了全球新能源汽车市场之先河,也体现了恒大志在抢占全球市场,欲与特斯拉一决高下的巨大野心。
然而,时间是最好的老师。尽管造车总投入已达474亿人民币,可有如皇帝的新装,一台真车尚未上市的恒大汽车,如今股价距离其巅峰时已“蒸发”6,000多亿,总市值也不足350亿港元。可谓“举世空中梦一场,功名无地不黄粱。”
一、许家印“换道造车”的五字秘诀
2019年11月12日下午,恒大新能源汽车全球战略合作伙伴峰会在广州召开,来自德国、西班牙、意大利等206家全球汽车产业各领域龙头企业的CEO及高管,共1,100多人出席本次会议,正应验了本次活动“大时代 大机遇 大合作 大未来”的主题。会上许家印用了5句豪言壮语来诠释其“汽车梦”,即“买买买,合合合,圈圈圈,大大大,好好好”。
1.“买买买”,就是要囊括世界全部顶尖技术。恒大是做房地产的,在造车方面一无所知。要实施换道超车,就要走一条不寻常的路,走一条世界历史上所有汽车企业都没有走过的路。因为对恒大来说,只要用钱能解决的问题都不是问题。于是,恒大不惜花重金,把能购收买的核心技术、高科技企业、顶尖人才全都买到手。
2.“合合合”,即国际并购与战略合作。不是所有的技术都是可以买或者需要买的,通过与其他公司建立全方位的合作,同样能够实现恒大新能源汽车在核心技术领域的世界领先、产品品质上的世界一流。
3.“圈圈圈”,建立工程技术、造型设计和汽车供应链三大“朋友圈”。短短十个月,恒大掌门人许家印奔赴全球23个国家、47个城市,先后考察58家全球汽车产业各领域龙头企业。分别与5家全世界最大的、实力最强的工程技术研发企业,15位世界顶级造型设计大师,60家汽车零部件龙头企业签订了战略合作协议。
4.“大大大”,指大格局、大战略、大规模。在产品规划领域,与五大汽车工程技术龙头联手,在世界最先进3.0底盘架构基础上同步研发15款新车型,覆盖顶级型、超豪华型、豪华型、尊享型、舒适型、经典型等全系列产品;在生产制造领域,将在国内、国外包括“一带一路”沿线国家,布局十大生产基地,全部按照工业4.0标准打造高端智能工厂;在资本投资领域,计划三年投资450亿,首款车型2020年上半年亮相,2021年量产。
5.“好好好”,恒大的车要品质好、造型好、价格好。而达到“三好”的前提是三个必须:一是核心技术必须世界领先;二是产品品质必须世界一流;三是成本必须大幅度下降。
“要么不做,要做就要做大做强做成功。”事实上,早在恒大启动造车的布局之初,许家印就为恒大造车定下了目标:用三到五年时间,把恒大新能源汽车打造成为全球规模最大、实力最强的新能源汽车集团。从而让“恒驰”成为享誉全球的民族品牌,向世界彰显中国智造,为中国从汽车大国迈向汽车强国作出贡献。
诸不知,恒大的五字造车秘诀,与华为的5G技术开发,实际上是一对孪生兄弟,如出一辙。买得到的就买,买不到的就骗,骗不到的就偷。也就是说,“买、合、圈、大、好”的五字诀,其实就是“买、骗、偷”的三字经。用他们自己的话来说,那就是站在众多世界汽车工业巨人的肩膀上,赶超世界汽车巨人。
二、恒大为何逆袭进军新能源汽车产业?
作为造车“门外汉”的许家印给出的三个理由是:第一,新能源汽车是保护环境、造福人类的产业;第二,新能源汽车在全球市场巨大,有广阔的发展前景;第三,新能源汽车在世界汽车历史上,它的诞生和发展是世界汽车历史的一场革命,蕴藏着巨大的机遇和商机。因此在社会责任、产业规模和发展机遇三重驱动下,为了抢占新能源汽车风口,恒大制定了“资源+技术+人才”的发展战略。
“恒大先进入了粮油、乳业、矿泉水产业,但经过探索,我们发现一年销售几亿、几十亿的产业体量,跟恒大年销售6,000亿的规模是不匹配的。恒大在产业选择上,一定是非常大的产业。”到了2014年,许家印除了头顶全国政协常委的政治光环,还拥有无数炙手可热的行业头衔。但野心勃勃、欲壑难填的他并不满足于此,于是提出了恒大的多元化发展战略。并多次表示新能源汽车是一个朝阳产业,未来5-20年将是几万亿甚至几十万亿的大产业。
恒大真正造车之路始于2018年初,入股贾跃亭的未来法拉第,但很快就因为理念不合而分道扬镳。2018年11月,在一片质疑声中,恒大出资144.9亿元,成为全球最大汽车销售商广汇集团的第二大股东。2019年1-6月,又先后斥巨资获得瑞典NEVS整车研发制造能力、日本卡耐公司领先动力电池技术、荷兰e-Traction和英国Protean先进轮毂电机技术。
继与科尼赛克组建合资公司共同研制生产世界顶级新能源汽车之后。7月,恒大又与德国hofer动力总成集团成立合资公司。9月,与本特勒、FEV集团完成了3.0底盘架构知识产权转让。10月,与来自德、意、美、法等国家,经手过奔驰、宝马、保时捷、兰博基尼等豪车品牌的15位世界顶级汽车造型设计大师签约。11月峰会期间,又与博世、麦格纳、采埃孚、蒂森克虏伯、捷太格特、巴斯夫、中国集团等全球60家核心零部件供应商签约。
从2019年6月开始,恒大在广州市南沙区计划投资1,600亿,新建万顷沙智能汽车产业园。紧接着,恒大又计划投资1,200亿,在沈阳新建整车和轮毂研发生产基地,以及电池生产工厂。加上天津、郑州和上海的投资,未来总规模将超3,000亿。至此,恒大通过垂直整合,迅速构建起“整车研发+三电系统+销售渠道”的完整新能源汽车产业版图。
许家印还通过技术及人才双重战略,整合全球顶级核心造车技术。9月9日,恒大新能源汽车全球研究总院下辖的汽车研究院、动力研究院和电池研究院,启动向全球招聘8,000名新能源汽车产业世界顶级专家和技术精英的计划。工作地点遍布中国、瑞典、德国、英国、荷兰、奥地利、意大利、日本、韩国等9个国家,以打造所谓恒驰腾飞的内生动力。
三、新能源汽车是风口,还是泡沫?
“站在风口上,猪都可以飞起来。”这是在无数创业者之间广为流传的经典段子。纵观中国这些年不断涌现出的创业风口,无论是宣称“建设绿色城市、低碳城市,解决最后一公里”的共享单车ofo,还是打着“大众创业、万众创新”旗号的P2P,踩在风口上的企业和个人可谓多如牛毛,然而大风过后能够安全着陆的则少得可怜。
众所周知,在全球范围内,各国关于汽车二氧化碳的减排目标愈来愈严苛。与此同时,中国不仅是世界最大的石油进口国,也是最大的煤炭消耗国。而新能源汽车则是摆脱石油能源依赖的关键一环。在燃油车时代失去先发优势的中共,梦想通过大力扶持新能源汽车发展来实现在全球汽车产业的“弯道超车”,从而给予了造车新势力更多发展动力。当然,资本市场的热捧,也火上加油给造车新势力的后续发展补充了足够多的燃料。
早在2006年,中共科技部就制定了《电动汽车科技发展专项规划》;国家发改委也发令,自2019年起禁止新建独立燃油汽车企业;去年11月,官方又出台新的《新能源汽车产业发展规划》;尤其是在今年两会上,“碳达峰”、“碳中和”还被首次写入政府工作报告。一时间,“智能出行、智能汽车和无人驾驶”登上网络热搜,成为最火的名词之一。于是有人惊唿,人类汽车行业的百年大变局真的要来了!
一夜之间,中国几乎所有知名企业都蜂拥而上跑去造电动车,苹果、华为、恒大、阿里、百度、美团,卖手机家电的、办网络平台的、造房子的全都扎堆造车,还有董明珠、雷军、王健林也不甘落后。跨界造车的吉利老板李书福甚至口出狂言,汽车就是四个轮子、两个沙发、一个铁壳。
“你方唱罢我登场”,2014年被认为是中国造车新势力诞生的元年。拜腾、蔚来、小鹏、合众、威马、绿驰、奇点、前途、游侠等一大批新造车企业如雨后春笋不断出现,4,000多亿元的资本也如潮水般涌入新能源汽车行业。
但经过2020年的大浪淘沙,热潮退去过后,“裸泳者”终于现出了原形。当初400多家车企,目前真正剩下来的只有蔚来、威马、小鹏三家等为数不多的几家头部企业,依然在造车路上艰难前行。曾经备受资本追捧的造车新势力,早就过了只要拿着PPT设计图纸就能完成融资的美好时代。一众企图“空手套白狼”、一夜之间暴富的投机者,一旦被银行断奶,资金链断裂,便胎死腹中,摔死在风口之下。
恒大不仅在造车上的投入已经超过当初的预算,同时也拖累了恒大汽车的业绩。公司自2018年由赢转亏后连年亏损:2018年亏14.28亿,2019年亏49.47亿,2020年亏76.65亿,今年上半年预计亏损48亿。从造车至今年上半年,恒大汽车累计亏损已接近200亿。不得已,深陷债务危机的恒大只好从当初的“买买买”转为“卖卖卖”。
结语
正如财大气粗的许家印所言:“我不是钱多人傻,砸450亿造车是有计划的。”大家知道,与当年“赶英超美”一样,之所以造成国产电动汽车新的“大跃进”运动,主要是政府大力支持新能源汽车的发展,提供了诸多的政策便利与高额补贴。以至于谁都想从中分得“一杯羹”,且不计成本、不求回报地争夺这场“免费午餐”。然而,福耀玻璃董事长曹德旺曾说过:“企业家经营产品,完全靠国家补贴就是等死。”自从财政部宣布逐年下调电动汽车补贴标准,直至2020年完全退出后,大量企图骗取财政补贴的厂商,包括曾经与恒大联手收购万科声称不差钱的“野蛮人”宝能,也纷纷宣布暴雷或破产倒闭。
当然,还有一个最重要的原因,9月17日,中共工业和信息化部原部长苗圩在2021世界新能源汽车大会(WNEVC)上表示,中国95%汽车芯片依靠进口。由于芯片是代替发动机成为汽车产业的“生死命门”,而美中贸易大战这只“黑天鹅”的降临,车载芯片突然被“卡脖子”,也就让许家印等一批业界大佬的“汽车梦”最终化为泡影,恒大两年超越百年丰田,并将取代特斯拉的牛皮也就变成了笑话。
大纪元 2021-09-19 金言
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2021.09.19 15:27 Darth_Metalhead I hope this isn't just me...

I hope this isn't just me... submitted by Darth_Metalhead to dankmemes [link] [comments]


2021.09.19 15:27 jellyboyyy Weird issues after installing new case fans

Yesterday I replaced some case fans. All seemed to be ok until I disconnected my second monitor while the PC was on. Immediately the wifi disconnected and wouldn't reconnect and everything went slow. Restarting the PC fixes it, but the same happens every time the monitor is disconnected. Never had this problem before. Does anyone have a suggestion what might have caused this?
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2021.09.19 15:27 FrontpageWatch2020 [#91|+6852|431] What you prefer steam or epic games ? [r/memes]

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2021.09.19 15:27 DrAMeiZing How come even in regions of Africa where famine is present people still have bloddy six packs?

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2021.09.19 15:27 hetianshi Mayim on Guest Hosting on Monday.

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2021.09.19 15:27 XzFaulty SIDE+ ALL EPISODES DISCORD SERVER

https://discord.gg/UVt9BXPz Expires in 7 days link ^^^^
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2021.09.19 15:27 R32fan Haru

Haru submitted by R32fan to DigitalArt [link] [comments]


2021.09.19 15:27 ColonelSagan Guys we can stop predicting the rest of the season! The wikipedia page of F1 champions has got it covered.

Guys we can stop predicting the rest of the season! The wikipedia page of F1 champions has got it covered. submitted by ColonelSagan to formula1 [link] [comments]


2021.09.19 15:27 FrontpageWatch2020 [#238|+1533|273] A culture can suck. [r/unpopularopinion]

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2021.09.19 15:27 RLCD-Bot [Forest Green Ronin GXT] [Ion] [Astro-CSX]

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2021.09.19 15:27 Subsonic-journo Jedi Master look

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2021.09.19 15:27 helloclownworld extremist

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2021.09.19 15:27 NoYesGuess 18/F - Seeking a best friend. Come be mine?

Hey! Hey!
Hi! I'm Harper. I'm pretty new to social media and I'm looking for some friends!
I'm not really sure who I'm looking for just someone to have a talk to daily and just get along with.
I'm not really sure what to write or whatever but here is a bit about me.
I'm from the UK. I'm in Northern Ireland but I travel a lot to England (Ireland forever!)
I like going on long walks and hiking when I can and I'm not at college.
I really like history and geology.
Massive fan of the outdoors. I want to be a beekeeper as a job.
I'm a convert Muslim of two years, there's more to life than religion and I accept that.
I speak Irish, bits of Arabic and English.
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2021.09.19 15:27 Irishjoe69 What would you use to build/maintain a school's MS365 IT Environment?

Through a series of covid-related events, I am now the IT director for 3 school buildings, totaling about 2100 students, ages 6 through 14. I've always noticed some things that I thought were not good regarding our systems, but I only worked as end-user support so never had the opportunity to right a lot of these supposed wrongs and never spent a great deal of time looking into them either. This school district is 1-to-1.
Some things that I think should be corrected (and if I'm wrong please let me know):

One nice thing is our student devices are all the same model, all utilize type c charging, and get replaced every 3 years. :)
Any advice, suggestions, etc. would be greatly appreciated.
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2021.09.19 15:27 FrontpageWatch2020 [#19|+26566|230] Massive mistake [r/memes]

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2021.09.19 15:27 whatitdowhatitbee What does it say about me that I have always had a mega lady boner for troubled men?

Not like bad guys, good guys who’ve been through hard shit and have issues
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2021.09.19 15:27 Unable-Row-810 HuckleberryRight is a childish thin skinned power abusing mod who needs to be removed immediately

He has single handledly ruined this forum by making it his own personal dictatorship and banning anyone who disagrees even if they don’t break his arbitrary rules
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2021.09.19 15:27 FrontpageWatch2020 [#997|+574|19] The Moon from my backyard, using a cheap telescope and my Google Pixel 3! [r/Astronomy]

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2021.09.19 15:27 Lord_Burgess Hey New York

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2021.09.19 15:27 EmirsumunMinikPipisi Beyler konustuğum kız kgb aslanı cıktı amk evlenilir mi sizce?

Beyler konustuğum kız kgb aslanı cıktı amk evlenilir mi sizce? submitted by EmirsumunMinikPipisi to KGBTR [link] [comments]


2021.09.19 15:27 Alex09464367 Only Fools And Horses actor John Challis dies aged 79 - Man who played Boycie in the beloved BBC sitcom had cancer and died "peacefully in his sleep'

Only Fools And Horses actor John Challis dies aged 79 - Man who played Boycie in the beloved BBC sitcom had cancer and died submitted by Alex09464367 to unitedkingdom [link] [comments]


2021.09.19 15:27 idrivearust Expansion Idea

How about an expansion idea that has an Indian flair of sorts after all India was once home to numerous great kingdoms and royal lineages it could have a sort of reddish brown aura around its buildings
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2021.09.19 15:27 ciaphuas Sleepy derp

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