贵池| 保靖| 九台| 贡嘎| 淄博| 周至| 马鞍山| 淄博| 旌德| 东兰| 桑植| 保亭| 德格| 马尔康| 西峡| 永城| 银川| 泰来| 烟台| 岚山| 荆州| 乌兰察布| 大足| 珠穆朗玛峰| 佳县| 龙岗| 武定| 德钦| 密云| 安平| 郫县| 大田| 平凉| 翁源| 睢宁| 仪陇| 沿河| 磐石| 南雄| 建昌| 额济纳旗| 横县| 古田| 岳阳市| 峨山| 四方台| 北宁| 新都| 万宁| 广灵| 莎车| 苍山| 郯城| 德安| 六安| 叙永| 渝北| 霍城| 宁安| 武都| 祁连| 秦安| 揭阳| 高邮| 陇西| 肥乡| 苍溪| 道县| 宣化县| 平凉| 儋州| 美姑| 扎囊| 黄石| 修水| 卓尼| 牡丹江| 海丰| 榕江| 水城| 新疆| 大安| 合川| 永定| 阳高| 瑞昌| 礼县| 河源| 定襄| 远安| 酉阳| 墨竹工卡| 临城| 博山| 林芝镇| 桦甸| 峡江| 衡阳市| 长宁| 开阳| 明光| 绥中| 紫云| 漳平| 常熟| 高陵| 平山| 禄丰| 江永| 鄂伦春自治旗| 屏边| 老河口| 彭山| 牡丹江| 三台| 抚州| 巴马| 青铜峡| 金华| 炎陵| 贡嘎| 乌伊岭| 平遥| 沧州| 迭部| 哈尔滨| 乌鲁木齐| 林口| 金湖| 隆林| 平果| 彭泽| 巧家| 尼木| 集贤| 丁青| 博罗| 吴川| 津市| 永清| 民权| 范县| 萨嘎| 凤台| 莘县| 富拉尔基| 大荔| 浚县| 乳源| 延川| 常州| 衡水| 兰考| 洛隆| 山阴| 如皋| 临澧| 大城| 安仁| 咸丰| 容县| 和龙| 庄浪| 武城| 高明| 宜良| 巨鹿| 颍上| 和硕| 深州| 兴业| 和政| 南充| 珠海| 根河| 会泽| 湖州| 高青| 霍邱| 建阳| 横山| 蚌埠| 富顺| 巴东| 围场| 曲水| 馆陶| 达日| 安新| 乌当| 淮阳| 西青| 加格达奇| 依兰| 城步| 仁怀| 兴国| 比如| 大渡口| 栾川| 渭源| 涿鹿| 阜新蒙古族自治县| 万源| 四会| 平顺| 奎屯| 毕节| 武宣| 任县| 抚宁| 岫岩| 临夏市| 多伦| 漠河| 乌苏| 巨鹿| 天峻| 宝丰| 蔡甸| 隆林| 施甸| 桐梓| 竹山| 桓台| 富平| 长乐| 巴林右旗| 积石山| 扶风| 榆林| 乌什| 农安| 井研| 东阿| 乡城| 南山| 桂阳| 田林| 哈巴河| 天山天池| 麦盖提| 东西湖| 吕梁| 白碱滩| 南华| 曲松| 西华| 围场| 鞍山| 镇康| 永济| 嵊泗| 乌兰察布| 驻马店| 延庆| 洮南| 师宗| 阳山| 伊川| 耒阳| 长子| 新绛|

2017lol单排有什么禁忌 2017lol单排如何快速上分

2019-08-22 17:11 来源:放心医苑

  2017lol单排有什么禁忌 2017lol单排如何快速上分

  FormerprofessionalfootballstarDavidBeckhamplayscuju,knownastheoriginofmodernfootball,attheBengbuAncientBuildingsExpoParkaheadofthe2018G-EXPOGlobalTopSummitinBengbuCity,EastChina’sAnhuiProvince,June6,2018.(Photo:ChinaNewsService/ZhongXin)FormerprofessionalfootballstarDavidBeckhamplayscuju,knownastheoriginofmodernfootball,attheBengbuAncientBuildingsExpoParkaheadofthe2018G-EXPOGlobalTopSummitinBengbuCity,EastChina’sAnhuiProvince,June6,2018.(Photo:ChinaNewsService/ZhongXin)AguestvisitsgiantpandaMengmengatBerlinZooinBerlin,Germany,June9,,thetwopandasfromChina,arrivedinBerlinonJune24,sstayhereinBerlinZoo.(Xinhua/ShanYuqi)AgirlpickspandasouvenirsatBerlinZooinBerlin,Germany,June9,,thetwogiantpandasfromChina,arrivedinBerlinonJune24,sstayhereinBerlinZoo.(Xinhua/ShanYuqi)AguesttakesphotosofgiantpandaJiaoqingatBerlinZooinBerlin,Germany,June9,,thetwopandasfromChina,arrivedinBerlinonJune24,sstayhereinBerlinZoo.(Xinhua/ShanYuqi)GuestsvisitgiantpandaJiaoqingatBerlinZooinBerlin,Germany,June9,,thetwopandasfromChina,arrivedinBerlinonJune24,sstayhereinBerlinZoo.(Xinhua/ShanYuqi)PandasouvenirsareseenatBerlinZooinBerlin,Germany,June9,,thetwopandasfromChina,arrivedinBerlinonJune24,sstayhereinBerlinZoo.(Xinhua/ShanYuqi)PandasouvenirsareseenatBerlinZooinBerlin,Germany,June9,,thetwopandasfromChina,arrivedinBerlinonJune24,sstayhereinBerlinZoo.(Xinhua/ShanYuqi)

Ajournalistasksforinformationatthemediacenterforthe18thShanghaiCooperationOrganizationSummitinQingdao,Shandongprovince,onFriday.[PhotobyFengYongbin/ChinaDaily]LiGuangda,avolunteeratthe18thShanghaiCooperationOrganizationSummit,saidhehasreceivedmanythumbs-upfromforeignreportersforhisprofessionalandfriendlyassistancesincehebeganservingattheinformationdeskofthesummitsmediacenter."It,,"saidt,000studentvolunteersrecruitedfrom10universitiesinthecoastalcity,,another18,000volunte,theyarenicknamed"littleseasplashes".Theyhavebeenmobilizedtooffervariousservicesforthesummit,suchasassistancetoguestswitharrivalanddeparture,ionSummitinQingdao,Shandongprovince,onFriday.[PhotobyFengYongbin/ChinaDaily]Li,anundergraduatemajoringinEnglish,,000studentsappliedtobecomevolunteersforthesummit,accordingtothemeetingsorganizingcommittee."Theenthusiasmfromstudentsisbeyondourexpectations,"saidSunJian,whoworksforthecommitteesworkinggroupofvolunteers."Wevechosentheoneswithbetterexpertisethatisparticularlyhelpfulforthesummit,suchasstudentsmajoringinforeignlanguagesandcomputers."Eachvolunteerhasreceivedabout40hoursoftrainingbeforethesummit,hesaid."Besideslessonsonetiquette,weveinvitedexpertsfromtheMinistryofForeignAffairstogivethevolunteerslecturesonhowtheSCOworksandthetraditionsofthecountriesparticipatinginthesummit."LihasbeenaboutQingdao,becausetheyaretheonesthereportersgotofirstiftheyhavequestions,ionSummitinQingdao,Shandongprovince,onFriday.[PhotobyFengYongbin/ChinaDaily]"Itsanhonortobepartofsuchanimportantevent,"headded."WejustwanttoleavetheguestsandreporterswithagoodimpressionofQingdaoandtheChinesepeople."Moreimportant,Ialsofindjoyinmeetingpeoplefromdifferentcountries,whichhasbroadenedmyviews,",ateacherfromOceanUniversityofChinaandavolunteerorganizer,saiditsnotaneasyjobtomaintainagoodpostureandgreetpeoplewithasmilealldaylong,aswellasofferusefulandprofessionalassistance."Thestudentstoldmethattheyenjoytheworkbecausetheygenuinelywanttoofferthebestservice,"shesaid."Improudofthem."VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)

  AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)Eightetiquettevolunteersposeforaphotoatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June5,,000volunteershavebeenmobilizedtoofferservicesforthesummit,fromassistingwithguestsarrivalanddeparture,translation,andmediarequests,totheoperationofcityfunctionssuchastransportation,telecommunication,andbanks.(Xinhua/LiZiheng),2008showsJiangShifa(R)andhiswifeLianShifangasvolunteersfortheBeijing2008OlympicGamesSailingeventinQingdao;LowerphototakenonJune5,2018showsthecoupleasvolunteersfortheShanghaiCooperationOrganization(SCO)QingdaoSummit,inQingdao,eastChina,74yearsoldandhiswife,72yearsold,ittenyearsaftertheyservedasvolunteersfortheBeijing2008OlympicGamesSailingeventinQingdao.(Photo/Xinhua)JiangShifa(R)andhiswifeLianShifang,volunteersfortheShanghaiCooperationOrganization(SCO)QingdaoSummit,guideatouristinWendengRoadinQingdao,eastChinasShandongProvince,June5,,74yearsoldandhiswife,72yearsold,ittenyearsaftertheyservedasvolunteersfortheBeijing2008OlympicGamesSailingeventinQingdao.(Xinhua/JiangKehong)JiangShifa(R)andhiswifeLianShifang,volunteersfortheShanghaiCooperationOrganization(SCO)QingdaoSummit,giveouthandbooksatMingxialuCommunityinQingdao,eastChinasShandongProvince,June5,,74yearsoldandhiswife,72yearsold,ittenyearsaftertheyservedasvolunteersfortheBeijing2008OlympicGamesSailingeventinQingdao.(Xinhua/JiangKehong)JiangShifa(R)andhiswifeLianShifang,volunteersfortheShanghaiCooperationOrganization(SCO)QingdaoSummit,gatheratMingxialuCommunityfortraininginQingdao,eastChinasShandongProvince,June5,,74yearsoldandhiswife,72yearsold,ittenyearsaftertheyservedasvolunteersfortheBeijing2008OlympicGamesSailingeventinQingdao.(Xinhua/JiangKehong)JiangShifa(3rdR)andhiswifeLianShifang(2ndR),volunteersfortheShanghaiCooperationOrganization(SCO)QingdaoSummit,guidepassengersatabusstopinQingdao,eastChinasShandongProvince,June5,,74yearsoldandhiswife,72yearsold,ittenyearsaftertheyservedasvolunteersfortheBeijing2008OlympicGamesSailingeventinQingdao.(Xinhua/JiangKehong)EtiquetteteacherLuMin(1stR)instructsvolunteersforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June5,,000volunteershavebeenmobilizedtoofferservicesforthesummit,fromassistingwithguestsarrivalanddeparture,translation,andmediarequests,totheoperationofcityfunctionssuchastransportation,telecommunication,andbanks.(Xinhua/LiZiheng)Eightetiquettevolunteersforthe18thShanghaiCooperationOrganization(SCO)SummitpracticeinQingdao,eastChinasShandongProvince,June5,,000volunteershavebeenmobilizedtoofferservicesforthesummit,fromassistingwithguestsarrivalanddeparture,translation,andmediarequests,totheoperationofcityfunctionssuchastransportation,telecommunication,andbanks.(Xinhua/LiZiheng)

  BrocadepaintingTheDrunkenBeautydisplayedattheParisChinaCulturalCenteronJune5,2018.()ExhibitionReconstruction:TechniquesandDesignofChineseSilkopenCultureDepartment,andorganizedbytheChinaNationalSilkMuseum,theexhibitionisanotherhighlightoftheChineseCultureandTourismMinistrysinternationalprogramofChinaWeek:InheritanceandInnovat,thenewexhibitionpresentsthetechniquesandcharmoftheancientChinesesilkthroughfoursub-themes:Broderie,Impression,Tissage,andTeinture,thatis,embroidery,printing,nJune5,2018.()ZhouWei,theevent’scuratorandassistanttothedirectoroftheChinaNationalSilkMuseum,saidtheexhibitioninfusednewdesignswithtraditionalcraftsman,thecenteralsoheldapubliclectureon"ReconstructionofChineseSilksDesignMaterials"onJune4,andanindustrialexchangemeetingthemed"Reconstruction:TechniquesandDesignofSilk"()Theindustryexchangemeetingon"Reconstruction:TechniquesandDesignofSilk"isheldattheParisChinaCulturalCenteronJune5,2018.()TheexhibitionhallofTeinture.()AmodelshowsasilkflowerdressattheParisChinaCulturalCenteronJune5,2018.()AmodelsshowsasilkdressattheParisChinaCulturalCenteronJune5,2018.()AmodelshowssilkscarvesandhandbagsattheParisChinaCulturalCenteronJune5,2018.()VisitorslookatanembroidereddressattheParisChinaCulturalCenteronJune5,2018.()ThaipolicesergeantTanitBussabongdirectstrafficwearingacostumewhereheappearstorideaT-rexdinosauroutsideaschoolinNakhonNayokonJune4,,whohasaround20differentoutfitsincludingMinnieMouseandabearforhistrafficdutyoutsidethekindergarten,saidhisprehistoricuniformisteachingkidsroadsafetyandconvincingparentstoobeytrafficlaws.(Photo/Agencies)ThaipolicesergeantTanitBussabongdirectstrafficwearingacostumewhereheappearstorideaT-rexdinosauroutsideaschoolinNakhonNayokonJune4,,whohasaround20differentoutfitsincludingMinnieMouseandabearforhistrafficdutyoutsidethekindergarten,saidhisprehistoricuniformisteachingkidsroadsafetyandconvincingparentstoobeytrafficlaws.(Photo/Agencies)ThaipolicesergeantTanitBussabongdirectstrafficwearingacostumewhereheappearstorideaT-rexdinosauroutsideaschoolinNakhonNayokonJune4,,whohasaround20differentoutfitsincludingMinnieMouseandabearforhistrafficdutyoutsidethekindergarten,saidhisprehistoricuniformisteachingkidsroadsafetyandconvincingparentstoobeytrafficlaws.(Photo/Agencies)ThaipolicesergeantTanitBussabongdirectstrafficwearingacostumewhereheappearstorideaT-rexdinosauroutsideaschoolinNakhonNayokonJune4,,whohasaround20differentoutfitsincludingMinnieMouseandabearforhistrafficdutyoutsidethekindergarten,saidhisprehistoricuniformisteachingkidsroadsafetyandconvincingparentstoobeytrafficlaws.(Photo/Agencies)

,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan)ExamineestakeaselfiewiththeirfamilybeforethenationalcollegeentranceexaminationoutsideanexamvenueinChangchun,northeastChinasJilinProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LinHong),capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan),eastChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/XuXiaoxuan)ExamineesprepareforthenationalcollegeentranceexaminationoutsidetheexamvenueatFenyangHighSchoolinLyuliangCity,northChinasShanxiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/CaoYang)ExamineesenteranexamvenueinChangchun,northeastChinasJilinProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LinHong),capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan)

  ContestantsperformintheChinaBodybuildingChampionshipsinTianjin,June7,,thechampions(Photo:ChinaNewsService/TongYu)ContestantsperformintheChinaBodybuildingChampionshipsinTianjin,June7,,thechampions(Photo:ChinaNewsService/TongYu)ContestantsperformintheChinaBodybuildingChampionshipsinTianjin,June7,,thechampions(Photo:ChinaNewsService/TongYu)ContestantsperformintheChinaBodybuildingChampionshipsinTianjin,June7,,thechampions(Photo:ChinaNewsService/TongYu)

  ReportersgatherattheInternationalMediaCenterfortheDPRK-USAsummitatF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)ReportersgatherattheInternationalMediaCenterfortheDPRK-USAsummitatF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)ReportersgatherattheInternationalMediaCenterfortheDPRK-USAsummitatF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)ReportersgatherattheInternationalMediaCenterfortheDPRK-USAsummitatF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)ReportersgatherattheInternationalMediaCenterfortheDPRK-USAsummitatF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/XuFangqing)ReportersgatherattheInternationalMediaCenterfortheDPRK-USAsummitatF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/XuFangqing)ReportersgatherattheInternationalMediaCenterfortheDPRK-USAsummitatF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/XuFangqing)ReportersqueuetoentertheInternationalMediaCenterfortheDPRK-USAsummitatF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/LiYang)ReportersgatherattheInternationalMediaCenterfortheDPRK-USAsummitatF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/LiuZhen)ChinesePresidentXiJinping(C)andotherleadersattendingthe18thShanghaiCooperationOrganization(SCO)summitposeforagroupphotoaheadofabanquetinQingdao,eastChinasShandongProvince,June9,2018.(Xinhua/DingLin)ChinesePresidentXiJinpingaddressesabanquetheldforguestsattendingthe18thShanghaiCooperationOrganization(SCO)summitinQingdao,eastChinasShandongProvince,June9,2018.(Xinhua/XieHuanchi)ChinesePresidentXiJinping(C,front)andguestsattendingthe18thShanghaiCooperationOrganization(SCO)summitheadforabanquetinQingdao,eastChinasShandongProvince,June9,2018.(Xinhua/LiXueren)

  ChildrenplayonasquareinQingdao,eastChinasShandongProvince,June3,(SCO)SummitisscheduledforJune9to10inQingdao.(Xinhua/ZhangCheng)StudentsofamiddleschoolplayfootballinQingdao,eastChinasShandongProvince,June4,(SCO)SummitisscheduledforJune9to10inQingdao.(Xinhua/LiZiheng)AmangoeswindsurferinginQingdao,eastChinasShandongProvince,May4,(SCO)SummitisscheduledforJune9to10inQingdao.(Xinhua/ZhangCheng)CitizensposeforphotoattheOlympicParkinQingdao,eastChinasShandongProvince,June4,(SCO)SummitisscheduledforJune9to10inQingdao.(Xinhua/LiZiheng)ChildrenpracticerollerskatinginQingdao,eastChinasShandongProvince,June4,(SCO)SummitisscheduledforJune9to10inQingdao.(Xinhua/LiZiheng)AmandoesexercisesataparkinQingdao,eastChinasShandongProvince,June3,(SCO)SummitisscheduledforJune9to10inQingdao.(Xinhua/JiangKehong)AsailboatisseeninthewaterinQingdao,eastChinasShandongProvince,June4,(SCO)SummitisscheduledforJune9to10inQingdao.(Xinhua/YinGang)

  AdogincostumeplayswithaballduringacontestwiththethemeofFIFAWorldCupinLima,Peru,onJune10,2018.(Xinhua/LuisCamacho)AwomaninteractswithherdogduringacontestwiththethemeofFIFAWorldCupinLima,Peru,onJune10,2018.(Xinhua/LuisCamacho)AwomaninteractswithherdogduringacontestwiththethemeofFIFAWorldCupinLima,Peru,onJune10,2018.(Xinhua/LuisCamacho)DogsincostumeareseenduringacontestwiththethemeofFIFAWorldCupinLima,Peru,onJune10,2018.(Xinhua/LuisCamacho)TeachersencourageexamineesatanexamvenueinGuiyang,capitalofsouthwestChinasGuizhouProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/TaoLiang)ExamineeswaittoenteranexamvenueatLhasaMiddleSchoolinLhasa,capitalofsouthwestChinasTibetAutonomousRegion,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LiuDongjun)AteacherdistributesIDcardsandstationerytoexamineesatanexamvenueinChengdu,capitalofsouthwestChinasSichuanProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/JiangHongjing),capitalofeastChinasAnhuiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ZhangDuan)AstaffmemberchecksthecredentialsofexamineesatanexamvenueinBeijing,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LuoXiaoguang)AnexamineeclapshandswithherteacherbeforeenteringanexamvenueinXian,capitalofnorthwestChinasShaanxiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ZhangBowen)ExamineesenteranexamvenueatHainanMiddleSchoolinHaikou,capitalofsouthChinasHainanProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/GuoCheng)AstudentencouragesexamineesatanexamvenueinBeijing,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan),capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan)

  CraftswomanLiWenlingshowsherpaper-cuttingworksatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June6,2018.(Xinhua/LiZiheng)PhototakenonJune6,2018showsafolkmusicperformanceatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince.(Xinhua/GuoXulei)PhototakenonJune6,2018showsateaartshowatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince.(Xinhua/LiZiheng)CraftsmanMuXujianshowsdoughsculpturemakingtojournalistsatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June6,2018.(Xinhua/GuoXulei)CraftsmanMuXujianmakesdoughsculpturesatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June6,2018.(Xinhua/LiZiheng)

  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现金贷乱象重重 监管出手在即

PhototakenonJune7,2018showsexhibitsattheAfricanArtExhibitioninsouthwestChina(Xinhua/WangQuanchao)AcuratorintroducestheAfricanArtExhibitionheldinsouthwestChinasChongqing,June7,(Xinhua/WangQuanchao)JournaliststakephotosattheAfricanArtExhibitioninsouthwestChinasChongqing,June7,(Xinhua/WangQuanchao)PhototakenonJune7,2018showsexhibitsattheAfricanArtExhibitioninsouthwestChina(Xinhua/WangQuanchao)AjournalisttakesphotosattheAfricanArtExhibitioninsouthwestChinasChongqing,June7,(Xinhua/WangQuanchao)

2019-08-2208:54:39来源:中国证券报

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只需手机申请,最快几分钟就能借到三五千元。去年以来,此类通过 互联网 平台服务小微群体的“现金贷”业务迅速崛起,业内人士估计规模近1万亿元。不过,一些网络借贷信息中介机构存在虚假宣传、暴力催收、高利贷、侵犯个人隐私等问题。

知情人士对中国证券报记者透露,目前各地监管部门正在对“现金贷”业务进行清理整顿,上海一些地区已开始对相关机构摸底。业内人士表示,中低收入者的确对“现金贷”有需求,它是传统信贷业务的补充,但只有在合规经营与监管规范的基础上,此项业务才能健康发展。

弥补传统金融体系不足

刚参加工作不久的小杨想买一个手机,但手头紧张。他在浏览网页时看到现金贷的广告,于是点击进入并申请5000元借款,期限为15天,月息4%,当天借款就到账。

这就是现金贷的情景。它是小额现金贷款业务的简称,泛指无场景、无指定用途的小额贷款业务,其主流模式主要借鉴国外Payday Loan(发薪日贷款),具有高效率、高风险、高 利率三大特点。

刚在纽交所上市的网贷平台信而富相关负责人指出,与 银行 信贷相比,现金贷的客户群体不同。目前中国征信体系覆盖面不足,现金贷的目标客户由于初入社会,缺乏征信记录,难以被传统金融体系覆盖。以信用卡为主的银行信贷产品主要服务于一线城市白领人群,现金贷客户则主要是三、四线城市刚工作不久的青年。

现金贷目标客户的主要特征是:受过教育,按劳所得,频繁上网,是成长中的年轻一族,但被传统金融机构所忽视。通常,银行信用卡的起步额度在3000元左右,而现金贷的起步额度只有几百元,最高不过几千元。

业内人士表示,出于风险控制的考虑,银行倾向于服务有完整信用记录的人群,其信贷业务的申请门槛较高。现金贷目标客户是有合理需求、有稳定收入和还款能力的群体,他们同样需要消费信贷服务。现金贷弥补了传统金融机构服务群体覆盖不足的短板,一定程度上增强了银行服务小微群体的意识。

目前,根据参与主体背景的不同,现金贷可以分为持牌系、垂直系、电商系、网贷系四类。持牌系又可分为银行系和消费金融公司系两种,如 建设银行 的“快贷”、 招商银行 的“闪电贷”、中银消费金融公司的信用贷款、苏宁消费金融公司的“任性借”等。

行业乱象不容忽视

现金贷业务如火如荼,但其风险不容忽视。借款者无力还款或故意不还、市场竞争日益激烈、暴力催收屡见不鲜、存在骗贷集团等都是现金贷平台运营过程中要考虑的问题。

网贷之家研究员王海梅表示,现金贷业务的准入门槛过低,需要监管部门予以规范。

中国证券报记者调研获悉,为了获得流量和客户,某些平台用一些“黑暗法则”野蛮发展,如大量采购个人数据进行电话推销,而且把数据转卖给其他人。某些平台在客户逾期后,催收人员随意给客户的亲朋好友打电话,并将客户的个人重要信息在网上发布。

利率方面,最高人民法院关于民间借贷的相关规定明确,如果借贷双方约定的利率超过年利率36%,超过部分的利息约定无效。然而,上述小杨借款的月利率为4%,折合年利率高达48%。

上海一家上市公司旗下的现金贷平台负责人告诉中国证券报记者,对于互联 网金融 平台来说,现金贷业务的成本包括从持牌金融机构获得资金的利息以及平台本身的各项费用成本。平台向借款人收取的利息需要覆盖“息”和“费”两项。如果息费综合成本必须控制在年利率36%以内,则现金贷业务没法做。

“我们2014年与金融机构一起探索现金贷业务时,业内做这项业务的还不多。到去年下半年,很多平台发现了市场机会,几百、上千家地蜂拥而入,市场竞争激烈。”该负责人表示,随着现金贷行业竞争日趋激烈,确实出现了一些行业乱象。部分平台资金来源不规范,不是来自持牌金融机构,而是来自个人。部分平台年化利率高达200%甚至更高。这种平台利润空间大,于是花大钱去投放广告,拼抢客户,导致行业整体获客成本提高,大家不再拼技术、拼风控,不利于行业健康发展。

“虽然目前从事现金贷业务没有实际的准入门槛,但隐性门槛不低。”上述信而富相关负责人表示,做现金贷业务需要具备完善的风控体系、优秀的预测筛选和自动决策能力。

有待监管规范

某城商行相关人士表示,网贷平台推出的现金贷其实与银行的个人无抵押信用贷款业务类似,但其所在银行对借款人的资质要求很高,如要求在事业单位工作,年收入20万元以上等。

网贷平台现金贷业务的要求没有这么高。该城商行的直销银行部曾与两三个网贷平台合作开发类似现金贷产品,由银行提供授信,网贷平台提供客户并保证还款。不过,银行与网贷平台的这种合作越来越少,主要是因为网贷平台提供的客户与银行目标客户之间差异较大。

一位多年从事互联网金融的业内人士表示,目前尚未出台专门针对现金贷业务的监管规则,现金贷业务的监管主体也不明确。但从相关监管文件的表述以及现金贷业务的性质来看,银监会可能成为现金贷业务的监管主体。

中国银监会4月10日发布的《关于 银行业 风险防控工作的指导意见》要求,做好“现金贷”业务活动的清理整顿工作。网络借贷信息中介机构应依法合规开展业务,确保出借人资金来源合法,禁止欺诈、虚假宣传。严格执行最高人民法院关于民间借贷利率的有关规定,不得违法高利放贷及暴力催收。

上述信而富相关负责人指出,如果参照网络借贷信息中介的模式监管,则将由银监会及其派出机构负责对网贷业务活动实施行为监管,制定网贷业务活动监管制度;地方金融监管部门负责本辖区网贷的机构监管,具体监管职能包括备案管理、规范引导、风险防范和处置工作等。

业内人士称,目前现金贷缺乏法律法规的监督和规范,市场规则不健全,存在一定的法律空白。市场上既有好的企业,也有不良分子乘虚而入并扰乱市场秩序,应健全法律法规,扫除行业乱象,进一步完善监管,促进行业健康发展。

责任编辑:李盼(EN057)

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