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好的点子怎么融资创业_共同基金专项整治:从“双降”到“三降”体育监管何时停止新浪财经UUUUUUUUUUUUU

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    资料来源:郎?#21069;睿?#28201;东云峰,新金融。从2017年下半年开始,我对P2P网上贷款的整改和备案进?#20849;?#22826;关心。作为旁观者,我逐渐对拖延和任性失去耐心。如果是从业者,应该是什么样的焦虑和痛苦?自查、核查、中央监察部门、地方监察部门、行业协会、各类名称和部门,一轮接一轮。同时,监管压力层层递进,最终演变成简单而粗俗的镇压指令,并在去年年底从“双降”到“三降”——“平衡减量、数减量、店面减量?#20445;?#35753;几乎所有从业者都战栗不已。令人遗憾的是,2016年4月启动的互联网金融风险专项整治将很快迎来三周年。如果说2013年是共同基金的第一年,经过三年?#30446;?#36895;发展,行业已经进入了三年的翻修期。在中国近代金融史上,恐怕没?#24515;?#20010;行业有这样奇怪的命运,也没?#24515;?#20010;行业享有这样的“监管待遇”。“二次?#38477;住?#21644;“三次?#38477;住?#23545;信贷业的影响是致命的。特别是在经济低迷和信贷风险上升的背景下,这一压制性指令加剧了行业的萎缩?#25237;?#33633;。据一年期财务统计,2018年P2P网上借贷业总借款1.62万亿元,比2017年下降40.3%。截至2018年底,全行?#21040;?#27454;余额(还本)731.1亿元,较2017年底下降39.33%,连续15个月呈下降趋势。零数据还显示,2018年,中国P2P在线贷款行业活跃借款人(不分个人和机构)数量预计约为1252万人,较去年同期下降7.26%,活跃借款人数量预计为1114万人,较去年同期下降10.88%。有时我想知道,监管互联网金融是否如此困难。是监管?#38469;?#38382;题还是非?#38469;?#21407;因?无论是生死攸关,无论是备案还是许可证,无论是信息中介还是信用中介,无论门槛有多高,标准有多严格,目前最重要的是要明确政策预期,尽快告别“双底”和“三底”运动,?#32422;?#22238;到正常的监督。在下一节中,我们将回顾“双下降”和“三下降”的起源和发展,并?#33268;?#23427;们的优缺点。1。逐层:从“双降”到“三降?#20445;?#21452;降”和“三降”是互联网金融风险专项监管的产物,计划于2017年3月底完成,尚未完成。2016年4月,作为共同基金合并的一部分,银监会发布了《P2P网络借贷风险专项监管实施方案》,提出“在综合考虑各种突发风险的前提下,制定完整的处置方案,解决存量问题。?#34892;?#39118;险,?#34892;?#25511;制增量风险,牢牢把握?#20302;?#24615;区域性金融风险不发生的底线。”?#34892;?#21270;解股票风险,?#34892;?#25511;制增量风险,为“二次?#38477;住?#21644;“三次?#38477;住?#22880;定了基础。2017年6月,中国人民银行等17个部门联合下发《关于进一步完善互联网金融风险清理整顿工作的通知》,要求省级领导小组采取?#34892;?#25514;施,确保互联网金融机构数量和业务规模下降。在监管期间。这是官方文件首次出现“二次?#38477;住保?#35201;求减少整个商业机构的数量和规模。但是,在本宏观调控指令向地方政府实施后,为了满足“双底”的要求,地方监管部门只能将职责集?#24615;?#21508;机构,最终形成“双底”制度,不区分平台的合规性和业务本身的合规性。2017年8月,?#26412;?#19978;海、杭州、大连等地监管部门下发通知,要求网上借贷平台业务规模在整改期间不扩大,违规业务存量逐步减为零,不新增违规业务。具体而言,各机构应“将其业务余额建立在2017年6月30日的基础上,其业务余额不应超过此上限”。从那时起,“业务规模不能增长”不再是一个宏观要求,而是每个平台必须遵守的管理命令。2017年12月,P2P网络借贷风险专项整治领导小组办公室下发了《关于受理P2P网络借贷风险专项整治整治工作的通知》。《通知》针对网络借贷机构业务规模控制存在的问题,提出“网络借贷机构应不断优化业务结构,规范业务规模?#20445;?#35268;范和控制自己的业务”的表述符合《通知》的要求。一些地方政府对信贷平台提出“规模不能扩大”。进入2018年,“双底”已全面宣传,年底前进一步升级为“三底”。11月19日,?#26412;?#24066;副市长尹勇在公开论坛上介绍了?#26412;?#20849;同基金风险监管。他带头提出,要发展一定规模的平台,实现“三减仓”——减仓、减仓、减仓。12月6日,深圳市互联网金融协会下发《关于进一?#28966;?#33539;全市P2P互联网借贷平台专项整改期间互联网借贷信息中介行业相关行为的通知》,提出“不增加未偿余额”、“不增加未偿余额”、“不增加未偿余额”、“不增加未偿余额”、“不增加未偿余额”等建议。e不增加出借人数量,?#34892;?#20943;少出借人数量,“线下门店数量必须?#20013;?#20943;少”。12月21日,杭州互联网金融协会发布《关于积极配合杭州互联网借贷风险处置工作的通知》,并向全市P2P网络借贷平台提出“无新余额待还”、“无新贷款人”、“无新分支机构”的要求。你觉得结束了吗?当然不是。“三减”政策短期内不会退出,但可能会进一步加大力?#21462;?#25454;《金融时报》报道,上周五(1月10日),互联网金融风险监管领导小组办公室和P2P网络贷款风险监管领导小组办公室在杭州召开了全国互联网金融和互联网贷款风险监管会议。会议下一?#38477;?#35201;求之一是“进一步开展合规检查,完善信息披露制度,通过合规检查促进“三个减量”、良性退出、合规管理和风险排查”的实施。为什么“二次?#38477;住?#21644;“三次?#38477;住?#26159;不合理?#27169;?#19981;可否认的是,通过“双底”和“三浸?#20445;?#22312;一定程度上可?#20113;?#21040;降低产业风险、加快行业清关的作用,为行业的长期稳定打下基础。在网上贷款行业的备案遇到挫折之前,有必要采取这样一?#25351;?#21387;而严格?#30446;?#21046;方法,并对风险敞口进行整体控制。但是,我们必须正视“二次?#38477;住?#21644;“三次?#38477;住?#30340;不合理弊端。首先,一刀切的做法不符合科学监督和公平监?#38477;?#21407;则。现代金融监管的一个重要概念是逆周期操作,以避免顺周期风险。在行业风险较高、平台难以操作的情况下,监管?#28304;?#20110;?#20013;?#21387;力之下。是否违反科学监督原则?对于不正常的业务没有什么好说?#27169;?#19981;管是停止增加新业务,还是余额逐渐回到零。不规范业务应该没有空间,不规范和无效平台的“三减”要求也不应受到指责。然而,如果不区分平台和业务合规性,不区分抑制,公平在哪里?必须说,控制规模应该是控制行业整体规模的增长,而不是单个平台的规模增长;应该消除非法平台和非法业务的存量,但应该给合规平台留出增长空间。第二,“双底”和“三浸”剥夺了互联网借贷平台作为其生存基础的“信息中介”。由于贷款余额和平台出借人数量不能增加,平台正常运行节奏受到干扰,一些来之不易的新用户无故流失,不仅导致中介服务收入损失,而?#20197;?#21152;了运营损失。此外,为了满足备案的合规性要求,在过去的两三年中,在线借贷平台在存管管理、会计、审计、法医和IT方面投入了大量资金。这些成本不是一次性支出,而是长期存在,导致利润率越来越窄。网络借贷业定位为互联网中介服务业后,平台唯一的机会就是做大,即规模经济效应越大,边际成本?#38477;停?#21033;润率越大。”“?#38477;?#19977;滴”违反了这一基本经济原则。不符合经济原则的东西需要多长时间才能实施?第三,如此简单而粗暴的镇压政策并不能真正切断风险。所谓“有政策在上,有对策在下?#20445;?#29305;别是面对明显不合理的政策,行业中各种“对策”只能层出不穷。最终,企业为了生存和逃避监管而被?#21462;?#21019;新?#20445;?#20294;更容易“?#31185;?#21334;淫?#20445;?#22914;数据欺诈、通过空壳公司非法转让业务,这使得行业秩序更加混乱。第?#27169;?#22686;加平台和行业的风险,这可能与降低风险的初衷背道而驰。常识告诉我们,大型企业和平台往往比小型企业和平台更安全、更可靠。否则,中小企业的死亡率就不会这么高,也不会出现融资困难和昂贵的问题。?#23460;?#21387;制平台,特别是大型平台,真的能起到降低风险的作用吗??#29575;?#19978;,规模的下降并不意味着风险的下降。同时,如果平台的生存状况恶化,它将放大风险,最终相?#30784;?#19977;。体育监督何时结束?无论是“二次?#38477;住?#36824;是“三次?#38477;住保?#23454;质上都是一种以运动为导向的矫正行为,而不是规范化的监督,更不用说强有力的监督和严格的监督。在特殊情况下,使用特殊方法。对于一个已经野蛮多年的行业,必须采取强有力的整改措施,降低风险,促进行业净化。然而,这种必要性是建立在非常时期的基础上?#27169;?#32463;过一段时间的巩固,应该逐步退出,为行业的发展留下了适度?#30446;?#38388;。也就是说,如果“双?#24597;健?#21644;“三?#24597;健?#21482;是临时措施,平台在短时间内就可以注册,这样它就可?#36291;?#24555;进入正常轨道。自2017年年中以来,“双底”和“三底”政策实施了一年半。这仍然是一种痛苦,一种暂时的措施吗?例如,如果P2P行业的混乱被认为是一种毒药,那么监管行动?#25302;?#24403;于化疗或骨刮除术,这是一种非常规治疗,必须尽快撤销。?#26412;?#22823;学法学?#33322;?#25480;彭冰曾写道,体育治理的成本是巨大的。”对于从事金融创新的企业家来说,他们只能在重组前摸索前行,走在?#37117;?#19978;;重组后,这些企业家往往被送进监狱。这将严重耗尽我们社会最缺乏的资源——创新人才。总之,“双滴法”和“三滴法”是体育监?#38477;?#20856;型方法。随着行业风险的逐步?#22836;?#21644;合规性的不断提高,体育监管应尽快?#25351;?#27491;常。如果平台能够在业务合规的前提?#29575;?#29616;自身?#30446;沙中?#36816;营,就应该为平台自身的发展腾出空间,这也是市场经济的最基本要求。一旦以体育为基础的监管变得正常,该行业的最终命运可能会消亡。从去年开始,很多人都在问:监管真的不想要这个行业吗?如今,P2P网上贷款的备案越来越远离原来的愿望,“备案”一词虽已存在,但已进入“许可证”阶段。从这个意义上讲,是否会有任何中介机构来管理他们想要的在线信贷信息?这是因为申请延迟的时间越长,获得申请的平台数量越少,申请许可证的性质越强,对许可证套利的预期也越强,这并非基于监管?#26412;?#30340;主观意愿。在最近流行的“大河”中,我最不赞成的四个字深深地打动了我:实事求是。这是贯穿改革开放40年的基本思路。希望我们的监管也能真正坚持实事求是、科学监管、公平监管的原则,为行业腾出空间,为创新创造机会,为未?#21019;?#36896;机会。除非决定在线借贷行业命运的底牌不是“发展”。免责声明?#22909;?#20307;合成的内容来自媒体,版权归原作者所?#23567;?#35831;联系原作者并获得?#3189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zi liao lai yuan: lang ya bang, wen dong yun feng, xin jin rong. cong 2017 nian xia ban nian kai shi, wo dui P2P wang shang dai kuan de zheng gai he bei an jin zhan bu tai guan xin. zuo wei pang guan zhe, wo zhu jian dui tuo yan he ren xing shi qu nai xin. ru guo shi cong ye zhe, ying gai shi shen me yang de jiao lv he tong ku? zi zha he cha zhong yang jian cha bu men di fang jian cha bu men hang ye xie hui ge lei ming cheng he bu men, yi lun jie yi lun. tong shi, jian guan ya li ceng ceng di jin, zui zhong yan bian cheng jian dan er cu su de zhen ya zhi ling, bing zai qu nian nian di cong" shuang jiang" dao" san jiang"" ping heng jian liang shu jian liang dian mian jian liang", rang ji hu suo you cong ye zhe dou zhan li bu yi. ling ren yi han de shi, 2016 nian 4 yue qi dong de hu lian wang jin rong feng xian zhuan xiang zheng zhi jiang hen kuai ying lai san zhou nian. ru guo shuo 2013 nian shi gong tong ji jin de di yi nian, jing guo san nian de kuai su fa zhan, hang ye yi jing jin ru le san nian de fan xiu qi. zai zhong guo jin dai jin rong shi shang, kong pa mei you nei ge hang ye you zhe yang qi guai de ming yun, ye mei you nei ge hang ye xiang you zhe yang de" jian guan dai yu"." er ci tan di" he" san ci tan di" dui xin dai ye de ying xiang shi zhi ming de. te bie shi zai jing ji di mi he xin dai feng xian shang sheng de bei jing xia, zhe yi ya zhi xing zhi ling jia ju le hang ye de wei suo he dong dang. ju yi nian qi cai wu tong ji, 2018 nian P2P wang shang jie dai ye zong jie kuan 1. 62 wan yi yuan, bi 2017 nian xia jiang 40. 3. jie zhi 2018 nian di, quan hang ye jie kuan yu e huan ben 731. 1 yi yuan, jiao 2017 nian di xia jiang 39. 33, lian xu 15 ge yue cheng xia jiang qu shi. ling shu ju hai xian shi, 2018 nian, zhong guo P2P zai xian dai kuan hang ye huo yue jie kuan ren bu fen ge ren he ji gou shu liang yu ji yue wei 1252 wan ren, jiao qu nian tong qi xia jiang 7. 26, huo yue jie kuan ren shu liang yu ji wei 1114 wan ren, jiao qu nian tong qi xia jiang 10. 88. you shi wo xiang zhi dao, jian guan hu lian wang jin rong shi fou ru ci kun nan. shi jian guan ji shu wen ti hai shi fei ji shu yuan yin? wu lun shi sheng si you guan, wu lun shi bei an hai shi xu ke zheng, wu lun shi xin xi zhong jie hai shi xin yong zhong jie, wu lun men kan you duo gao, biao zhun you duo yan ge, mu qian zui zhong yao de shi yao ming que zheng ce yu qi, jin kuai gao bie" shuang di" he" san di" yun dong, yi ji hui dao zheng chang de jian du. zai xia yi jie zhong, wo men jiang hui gu" shuang xia jiang" he" san xia jiang" de qi yuan he fa zhan, bing tao lun ta men de you que dian. 1. zhu ceng: cong" shuang jiang" dao" san jiang"," shuang jiang" he" san jiang" shi hu lian wang jin rong feng xian zhuan xiang jian guan de chan wu, ji hua yu 2017 nian 3 yue di wan cheng, shang wei wan cheng. 2016 nian 4 yue, zuo wei gong tong ji jin he bing de yi bu fen, yin jian hui fa bu le P2P wang luo jie dai feng xian zhuan xiang jian guan shi shi fang an, ti chu" zai zong he kao lv ge zhong tu fa feng xian de qian ti xia, zhi ding wan zheng de chu zhi fang an, jie jue cun liang wen ti. you xu feng xian, you xiao kong zhi zeng liang feng xian, lao lao ba wo xi tong xing qu yu xing jin rong feng xian bu fa sheng de di xian." you xu hua jie gu piao feng xian, you xiao kong zhi zeng liang feng xian, wei" er ci tan di" he" san ci tan di" dian ding le ji chu. 2017 nian 6 yue, zhong guo ren min yin hang deng 17 ge bu men lian he xia fa guan yu jin yi bu wan shan hu lian wang jin rong feng xian qing li zheng dun gong zuo de tong zhi, yao qiu sheng ji ling dao xiao zu cai qu you xiao cuo shi, que bao hu lian wang jin rong ji gou shu liang he ye wu gui mo xia jiang. zai jian guan qi jian. zhe shi guan fang wen jian shou ci chu xian" er ci tan di", yao qiu jian shao zheng ge shang ye ji gou de shu liang he gui mo. dan shi, zai ben hong guan tiao kong zhi ling xiang di fang zheng fu shi shi hou, wei le man zu" shuang di" de yao qiu, di fang jian guan bu men zhi neng jiang zhi ze ji zhong zai ge ji gou, zui zhong xing cheng" shuang di" zhi du, bu qu fen ping tai de he gui xing he ye wu ben shen de he gui xing. 2017 nian 8 yue, bei jing shang hai hang zhou da lian deng di jian guan bu men xia fa tong zhi, yao qiu wang shang jie dai ping tai ye wu gui mo zai zheng gai qi jian bu kuo da, wei gui ye wu cun liang zhu bu jian wei ling, bu xin zeng wei gui ye wu. ju ti er yan, ge ji gou ying" jiang qi ye wu yu e jian li zai 2017 nian 6 yue 30 ri de ji chu shang, qi ye wu yu e bu ying chao guo ci shang xian". cong na shi qi," ye wu gui mo bu neng zeng zhang" bu zai shi yi ge hong guan yao qiu, er shi mei ge ping tai bi xu zun shou de guan li ming ling. 2017 nian 12 yue, P2P wang luo jie dai feng xian zhuan xiang zheng zhi ling dao xiao zu ban gong shi xia fa le guan yu shou li P2P wang luo jie dai feng xian zhuan xiang zheng zhi zheng zhi gong zuo de tong zhi. tong zhi zhen dui wang luo jie dai ji gou ye wu gui mo kong zhi cun zai de wen ti, ti chu" wang luo jie dai ji gou ying bu duan you hua ye wu jie gou, gui fan ye wu gui mo"," gui fan he kong zhi zi ji de ye wu" de biao shu fu he tong zhi de yao qiu. yi xie di fang zheng fu dui xin dai ping tai ti chu" gui mo bu neng kuo da". jin ru 2018 nian," shuang di" yi quan mian xuan chuan, nian di qian jin yi bu sheng ji wei" san di". 11 yue 19 ri, bei jing shi fu shi zhang yin yong zai gong kai lun tan shang jie shao le bei jing gong tong ji jin feng xian jian guan. ta dai tou ti chu, yao fa zhan yi ding gui mo de ping tai, shi xian" san jian cang" jian cang jian cang jian cang. 12 yue 6 ri, shen zhen shi hu lian wang jin rong xie hui xia fa guan yu jin yi bu gui fan quan shi P2P hu lian wang jie dai ping tai zhuan xiang zheng gai qi jian hu lian wang jie dai xin xi zhong jie hang ye xiang guan xing wei de tong zhi, ti chu" bu zeng jia wei chang yu e"" bu zeng jia wei chang yu e"" bu zeng jia wei chang yu e"" bu zeng jia wei chang yu e"" bu zeng jia wei chang yu e" deng jian yi. e bu zeng jia chu jie ren shu liang, you xu jian shao chu jie ren shu liang," xian xia men dian shu liang bi xu chi xu jian shao". 12 yue 21 ri, hang zhou hu lian wang jin rong xie hui fa bu guan yu ji ji pei he hang zhou hu lian wang jie dai feng xian chu zhi gong zuo de tong zhi, bing xiang quan shi P2P wang luo jie dai ping tai ti chu" wu xin yu e dai hai"" wu xin dai kuan ren"" wu xin fen zhi ji gou" de yao qiu. ni jue de jie shu le ma? dang ran bu shi." san jian" zheng ce duan qi nei bu hui tui chu, dan ke neng hui jin yi bu jia da li du. ju jin rong shi bao bao dao, shang zhou wu 1 yue 10 ri, hu lian wang jin rong feng xian jian guan ling dao xiao zu ban gong shi he P2P wang luo dai kuan feng xian jian guan ling dao xiao zu ban gong shi zai hang zhou zhao kai le quan guo hu lian wang jin rong he hu lian wang dai kuan feng xian jian guan hui yi. hui yi xia yi bu de yao qiu zhi yi shi" jin yi bu kai zhan he gui jian cha, wan shan xin xi pi lu zhi du, tong guo he gui jian cha cu jin" san ge jian liang" liang xing tui chu he gui guan li he feng xian pai cha" de shi shi. wei shen me" er ci tan di" he" san ci tan di" shi bu he li de? bu ke fou ren de shi, tong guo" shuang di" he" san jin", zai yi ding cheng du shang ke yi qi dao jiang di chan ye feng xian jia kuai hang ye qing guan de zuo yong, wei hang ye de chang qi wen ding da xia ji chu. zai wang shang dai kuan hang ye de bei an yu dao cuo zhe zhi qian, you bi yao cai qu zhe yang yi zhong gao ya er yan ge de kong zhi fang fa, bing dui feng xian chang kou jin xing zheng ti kong zhi. dan shi, wo men bi xu zheng shi" er ci tan di" he" san ci tan di" de bu he li bi duan. shou xian, yi dao qie de zuo fa bu fu he ke xue jian du he gong ping jian du de yuan ze. xian dai jin rong jian guan de yi ge zhong yao gai nian shi ni zhou qi cao zuo, yi bi mian shun zhou qi feng xian. zai hang ye feng xian jiao gao ping tai nan yi cao zuo de qing kuang xia, jian guan reng chu yu chi xu ya li zhi xia. shi fou wei fan ke xue jian du yuan ze? dui yu bu zheng chang de ye wu mei you shen me hao shuo de, bu guan shi ting zhi zeng jia xin ye wu, hai shi yu e zhu jian hui dao ling. bu gui fan ye wu ying gai mei you kong jian, bu gui fan he wu xiao ping tai de" san jian" yao qiu ye bu ying shou dao zhi ze. ran er, ru guo bu qu fen ping tai he ye wu he gui xing, bu qu fen yi zhi, gong ping zai na li? bi xu shuo, kong zhi gui mo ying gai shi kong zhi hang ye zheng ti gui mo de zeng zhang, er bu shi dan ge ping tai de gui mo zeng zhang ying gai xiao chu fei fa ping tai he fei fa ye wu de cun liang, dan ying gai gei he gui ping tai liu chu zeng chang kong jian. di er," shuang di" he" san jin" bo duo le hu lian wang jie dai ping tai zuo wei qi sheng cun ji chu de" xin xi zhong jie". you yu dai kuan yu e he ping tai chu jie ren shu liang bu neng zeng jia, ping tai zheng chang yun xing jie zou shou dao gan rao, yi xie lai zhi bu yi de xin yong hu wu gu liu shi, bu jin dao zhi zhong jie fu wu shou ru sun shi, er qie zeng jia le yun ying sun shi. ci wai, wei le man zu bei an de he gui xing yao qiu, zai guo qu de liang san nian zhong, zai xian jie dai ping tai zai cun guan guan li kuai ji shen ji fa yi he IT fang mian tou ru le da liang zi jin. zhei xie cheng ben bu shi yi ci xing zhi chu, er shi chang qi cun zai, dao zhi li run lv yue lai yue zhai. wang luo jie dai ye ding wei wei hu lian wang zhong jie fu wu ye hou, ping tai wei yi de ji hui jiu shi zuo da, ji gui mo jing ji xiao ying yue da, bian ji cheng ben yue di, li run lv yue da."" liang di san di" wei fan le zhe yi ji ben jing ji yuan ze. bu fu he jing ji yuan ze de dong xi xu yao duo zhang shi jian cai neng shi shi? di san, ru ci jian dan er cu bao de zhen ya zheng ce bing bu neng zhen zheng qie duan feng xian. suo wei" you zheng ce zai shang, you dui ce zai xia", te bie shi mian dui ming xian bu he li de zheng ce, hang ye zhong ge zhong" dui ce" zhi neng ceng chu bu qiong. zui zhong, qi ye wei le sheng cun he tao bi jian guan er bei po" chuang xin", dan geng rong yi" qiang po mai yin", ru shu ju qi zha tong guo kong ke gong si fei fa zhuan rang ye wu, zhe shi de hang ye zhi xu geng jia hun luan. di si, zeng jia ping tai he hang ye de feng xian, zhe ke neng yu jiang di feng xian de chu zhong bei dao er chi. chang shi gao su wo men, da xing qi ye he ping tai wang wang bi xiao xing qi ye he ping tai geng an quan geng ke kao. fou ze, zhong xiao qi ye de si wang lv jiu bu hui zhe me gao, ye bu hui chu xian rong zi kun nan he ang gui de wen ti. gu yi ya zhi ping tai, te bie shi da xing ping tai, zhen de neng qi dao jiang di feng xian de zuo yong ma? shi shi shang, gui mo de xia jiang bing bu yi wei zhe feng xian de xia jiang. tong shi, ru guo ping tai de sheng cun zhuang kuang e hua, ta jiang fang da feng xian, zui zhong xiang fan. san. ti yu jian du he shi jie shu? wu lun shi" er ci tan di" hai shi" san ci tan di", shi zhi shang dou shi yi zhong yi yun dong wei dao xiang de jiao zheng xing wei, er bu shi gui fan hua de jian du, geng bu yong shuo qiang you li de jian du he yan ge de jian du. zai te shu qing kuang xia, shi yong te shu fang fa. dui yu yi ge yi jing ye man duo nian de hang ye, bi xu cai qu qiang you li de zheng gai cuo shi, jiang di feng xian, cu jin hang ye jing hua. ran er, zhe zhong bi yao xing shi jian li zai fei chang shi qi de ji chu shang de, jing guo yi duan shi jian de gong gu, ying gai zhu bu tui chu, wei hang ye de fa zhan liu xia le shi du de kong jian. ye jiu shi shuo, ru guo" shuang zhuo lu" he" san zhuo lu" zhi shi lin shi cuo shi, ping tai zai duan shi jian nei jiu ke yi zhu ce, zhe yang ta jiu ke yi jin kuai jin ru zheng chang gui dao. zi 2017 nian nian zhong yi lai," shuang di" he" san di" zheng ce shi shi le yi nian ban. zhe reng ran shi yi zhong tong ku, yi zhong zan shi de cuo shi ma? li ru, ru guo P2P hang ye de hun luan bei ren wei shi yi zhong du yao, na me jian guan xing dong jiu xiang dang yu hua liao huo gu gua chu shu, zhe shi yi zhong fei chang gui zhi liao, bi xu jin kuai che xiao. bei jing da xue fa xue yuan jiao shou peng bing ceng xie dao, ti yu zhi li de cheng ben shi ju da de." dui yu cong shi jin rong chuang xin de qi ye jia lai shuo, ta men zhi neng zai chong zu qian mo suo qian xing, zou zai dao jian shang chong zu hou, zhei xie qi ye jia wang wang bei song jin jian yu. zhe jiang yan zhong hao jin wo men she hui zui que fa de zi yuan chuang xin ren cai. zong zhi," shuang di fa" he" san di fa" shi ti yu jian du de dian xing fang fa. sui zhe hang ye feng xian de zhu bu shi fang he he gui xing de bu duan ti gao, ti yu jian guan ying jin kuai hui fu zheng chang. ru guo ping tai neng gou zai ye wu he gui de qian ti xia shi xian zi shen de ke chi xu yun ying, jiu ying gai wei ping tai zi shen de fa zhan teng chu kong jian, zhe ye shi shi chang jing ji de zui ji ben yao qiu. yi dan yi ti yu wei ji chu de jian guan bian de zheng chang, gai hang ye de zui zhong ming yun ke neng hui xiao wang. cong qu nian kai shi, hen duo ren dou zai wen: jian guan zhen de bu xiang yao zhe ge hang ye ma? ru jin, P2P wang shang dai kuan de bei an yue lai yue yuan li yuan lai de yuan wang," bei an" yi ci sui yi cun zai, dan yi jin ru" xu ke zheng" jie duan. cong zhe ge yi yi shang jiang, shi fou hui you ren he zhong jie ji gou lai guan li ta men xiang yao de zai xian xin dai xin xi? zhe shi yin wei shen qing yan chi de shi jian yue chang, huo de shen qing de ping tai shu liang yue shao, shen qing xu ke zheng de xing zhi yue qiang, dui xu ke zheng tao li de yu qi ye yue qiang, zhe bing fei ji yu jian guan dang ju de zhu guan yi yuan. zai zui jin liu xing de" da he" zhong, wo zui bu zan cheng de si ge zi shen shen di da dong le wo: shi shi qiu shi. zhe shi guan chuan gai ge kai fang 40 nian de ji ben si lu. xi wang wo men de jian guan ye neng zhen zheng jian chi shi shi qiu shi ke xue jian guan gong ping jian guan de yuan ze, wei hang ye teng chu kong jian, wei chuang xin chuang zao ji hui, wei wei lai chuang zao ji hui. chu fei jue ding zai xian jie dai hang ye ming yun de di pai bu shi" fa zhan". mian ze sheng ming: mei ti he cheng de nei rong lai zi mei ti, ban quan gui yuan zuo zhe suo you. qing lian xi yuan zuo zhe bing huo de fu zhi xu ke. wen zhang de guan dian zhi dai biao zuo zhe ben ren, er bu shi xin lang de li chang. ru guo nei rong she ji tou zi jian yi, jin gong can kao, bu zuo wei tou zi yi ju. tou zi shi you feng xian de, suo yi jin ru shi chang shi yao jin shen. ze ren bian ji: zhao zi niu

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