China Merchants Bank Co Ltd has teamed up with ride-hailing major Didi Kuaidi to provide automobile financing and expand its reach in China's booming mobile payment industry.

    The two have inked a comprehensive partnership, which includes a strategic investment by the former in the latter. Under the partnership, CMB will become the first bricks-and-mortar bank that can offer in-app credit card payments to Didi users. At present, users of Didi can only choose third-party payment solutions like WeChat Payment and Alipay to pay cab fares.

    Zhao Ju, vice-president of CMB, said the cooperation with Didi was an important step in its mobile Internet finance strategy. “CMB's mobile payment is going to enter a new chapter by leveraging Didi Kuaidi's vast user base," he said.

    According to a report by China Internet Network Information Center earlier this month, Didi holds 87.2 percent of China's private car hailing market. The company said it has received 1.43 billion car-hailing requests on its platforms in 2015, which means 1.43 billion payments were made via smartphones.

    CMB is expected to use Didi to reach the core users of China's mobile payment market. Jean Liu, president of Didi, said many of the expats prefer payment by credit card rather than Alipay or WeChat. "The new partnership will help improve service quality and customer loyalty," she said. The investment makes CMB part of Didi's existing investors, including Tencent Holdings Ltd, Alibaba Group Holding Ltd and China Investment Corporation. Both of the companies declined to reveal the actual amount of the investment.

    Liu, who showed up on Tuesday for the first time in public after her treatment for breast cancer, said the cooperation with CMB is for the long run and "the capital investment is only part of it".

    Under the partnership, CMB and Didi will cooperate on a wide range of initiatives on financial services and online-to-offline cooperation. Apart from the in-app credit card payments, the two companies are going to launch joint credit cards in late February and automobile financing services for Didi's car owners. CMB's branches across China are expected to help Didi recruit more drivers.

    "There is a lot of room for imagination in our partnership," Li said, adding in future people may use their CMB credit card reward points to pay for the ride on Didi.

    Li Chao, an analyst with iResearch Consulting Group, said the partnership may not significantly boost CMB's mobile payment business. "Didi has educated the market for three years and its customers have formed the habit of paying by WeChat or Alipay. So I think CMB can only turn a very smart proportion of Didi users into its payment customer," he said. "But the move shows that China's traditional banking industry is finally thinking out of the box and looking for outside partners in Internet finance competition," he said.

    Statistics from Big-Data Research showed that more than 90 percent of China's 9.3 trillion yuan ($1.41 trillion) worth of third party mobile payment market is donated by Alibaba and Tencent.

    Your next car could have two seats, three wheels — two in front and one in the back and a top speed of more than 100 miles per hour. Elio Motors plans to make such a tiny car named the Elio. Its two seats sit front and back instead of side by side. The driver is positioned in the center with the passenger directly behind.

    The starting price for the car is just $6,800. It has only one door, on the left side, which cuts a few hundred dollars off the manufacturing costs. Having three wheels also makes it cheaper. It has air conditioning, power windows and door locks and an AM/FM radio. More features can be ordered through Elio's long list of suppliers. Elio will also sell the cars directly through its own stores and not through franchised dealers (特约经销商).

    Paul Elio dreamed as a kid that he would one day own a car company called Elio Motors. In 2008, tired of high gas prices, he started working on a car that burns gas in a more effective way. Equally important to him was creating U.S. manufacturing jobs and making the car inexpensive enough to attract buyers who might otherwise be stuck in their old, unreliable cars. “Whatever matters to you, this can move the needle on it,” he said.

    Already, more than 27,000 people have reserved (预订) one. Paul hopes to make 250,000 cars a year by 2016. So far, reservation holders are those who will use the Elio as a second or third car for work. Finally, though, he believes the car will interest high school and college students as well as used-car drivers who want something newer and more reliable.

    If you want to become a fluent English speaker you should take some advice. There are four skills in learning English. They are reading, listening, speaking, and writing. The most important thing you must remember is that if you want to improve your speaking and writing skills, you should first master the skills of reading and listening.

    Read as much as you can. But your reading must be active. It means that you must think about the meaning of the sentence, the meaning of the unfamiliar words, etc. There is no need for you to pay much attention to grammars or try to understand all the unfamiliar words you come across, but the fact that you see them for the first time and recognize them whenever you see them, for example, in other passages or books, is enough. It would be better to prepare yourself a notebook so you can write down the important words or sentences in it.

    As for listening, there are two choices: besides reading, you can listen every day for about 30 minutes. You can only pay attention to your reading and become skillful at your reading, then you can catch up on your listening. Since you have lots of inputs in your mind, you can easily guess what the speaker is going to say. This never means that you should not practice listening. For listening you can listen to cartoons or some movies that are specially made for children. Their languages are easy. Or if you are good at listening you can listen to VOA or BBC programs every day. Again the thing to remember is being active in listening and preferably taking some notes.

    If you follow these pieces of advice, your speaking and writing will improve quickly, and you can be a fluent English speaker one day.

    All the housewives who went to the new supermarket had one great ambition: to be the lucky customer who did not have to pay for her shopping. For this was what the notice just inside the entrance promised. It said: "Remember, once a week, one of our customers gets free goods. This May Be Your Lucky Day!"

    For several weeks, Mrs Edwards hoped, like many of her friends, to be the lucky customer. Unlike her friends, she never gave up hoping. The cupboards in kitchen were full of things which she did not need. Her husband tried to advise her against buying things but failed. She dreamed of the day when the manager of the supermarket would approach her and say:" Madam, this is Your Lucky Day. Everything in your basket is free."

    One Friday morning, after she had finished her shopping and had taken it to her car, she found that she had forgotten to buy any tea. She dashed back to the supermarket, got the tea and went towards the cash-desk. As she did so, she saw the manager of the supermarket approach her. "Madam," he said, holding out his hand, "I want to congratulate you! You're our lucky customer and everything you have in your basket is free!"

Four things that you can't miss in Macao

    Go Bungee Jumping at the Macao Tower

    The Macao Tower, 338 meters tall, is the world's 10th highest tower, with kinds of activities, such as eating and entertainment. One of the activities is the bungee jump. The Macao Tower Bungee Jump is 233 meters high, making it a Guinness World Record as the highest commercial bungee jump in the world. Raise your arms and off you go! If you are not daring enough to jump that height, you can try the sky walk on the 57th floor—it's still amazing. Take this chance and tick off this item on your list.

    Enjoy a traditional Portuguese dinner

    Macao was once colonized (殖民) by Portugal before 1999. As a result, Portuguese culture has deeply affected Macao.

    Many Portuguese settled and opened Portuguese restaurants here, but it is more adaptable to Chinese people.

    Visit a museum

    Macao, as a little city with only an area of 30.5 square kilometers, has 23 eye-catching museums. Due to its special history, both eastern and western historical relics can be found. Many of them are preserved for cultural relics, tourist spots or museums, such as the Grand Prix Museum, Maritime Museum and Wine Museum.

    Go into an entertainment place

    Well known as the "Las Vegas of the Orient", Macao has 33 entertainment places. You can find different themed entertainment places with their hotels and attractions around every corner of Macao, especially on Taipa Island. Among all, The Venetian is the most popular. With a huge shopping mall and Vegas-style design, it is a must-go place for both tourists and locals to shop and enjoy free time. So when you come to Macao, just walk around and you will still be amazed.