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中共教育部党组关于林忠钦、张杰同志职务任...

2019-05-22 03:46 来源:飞华健康网

  中共教育部党组关于林忠钦、张杰同志职务任...

  塞班岛是北马里亚纳群岛联邦首都。  中华网拥有广泛的社会影响力和行业影响力,其主办的一系列活动已成为行业标志性事件:中华网汽车事业部已举办六届中国汽车设计大赛,连续六年举办中国汽车市场消费信誉度调查,均成为业界的年度盛事。

提交者发言纯属个人行为,与本网站立场无关。美国在特朗普口中似乎变成了一个“受气包”。

  ”电梯监控显示,3号下午两点多,一个打扮时髦,扎着辫子的男子先进了电梯,按了最高层16层。[{"id":"1","onlinetime":"2016/07/0100:00:00$2016/08/0100:00:00"},{"id":"3","onlinetime":"2016/04/1200:00:00$2016/07/0100:00:00"},{"id":"4","onlinetime":"2016/04/1200:00:00$2016/07/0100:00:00"},{"id":"5","onlinetime":"2016/06/0100:00:00$2016/06/2600:00:00"},{"id":"6","onlinetime":"2016/04/1200:00:00$2016/07/0100:00:00"},{"id":"7","onlinetime":"2016/06/2600:00:00$2016/07/1800:00:00"},{"id":"8","onlinetime":"2016/07/1800:00:00$2016/08/0900:00:00"},{"id":"9","onlinetime":"2016/06/1700:00:00$2016/08/3100:00:00"},{"id":"12","onlinetime":"2016/07/0600:00:00$2016/08/0600:00:00"},{"id":"13","onlinetime":"2016/08/0900:00:00$2016/08/3023:59:59"},{"id":"14","onlinetime":"2016/07/2717:30:14$2016/08/2723:59:59"},{"id":"16","onlinetime":"2016/08/3100:00:00$2016/09/3023:59:59"},{"id":"17","onlinetime":"2016/09/1500:00:00$2016/09/3023:59:59"},{"id":"18","onlinetime":"2016/09/0500:00:00$2016/09/1623:59:59"},{"id":"19","onlinetime":"2016/09/1900:00:00$2016/09/2323:59:59"},{"id":"20","onlinetime":"2016/10/0100:00:00$2016/10/3023:59:59"},{"id":"21","onlinetime":"2017/06/2300:00:00$2099/12/3123:59:59"},{"id":"22","onlinetime":"2016/09/2600:00:00$2016/10/2623:59:59"},{"id":"23","onlinetime":"2016/10/1800:00:00$2016/10/3023:59:59"},{"id":"24","onlinetime":"2016/11/0100:00:00$2016/12/0123:59:59"},{"id":"25","onlinetime":"2016/11/0100:00:00$2016/12/0123:59:59"},{"id":"26","onlinetime":"2016/11/0100:00:00$2016/11/1123:59:59"},{"id":"27","onlinetime":"2016/10/1800:00:00$2016/10/3023:59:59"},{"id":"28","onlinetime":"2016/12/1300:00:00$2017/02/2023:59:59"},{"id":"29","onlinetime":"2016/12/2817:28:32$2017/01/2823:59:59"},{"id":"30","onlinetime":"2016/12/0100:00:00$2016/12/1223:59:59"},{"id":"31","onlinetime":"2016/12/0200:00:00$2016/12/1223:59:59"},{"id":"32","onlinetime":"2016/12/1317:33:15$2017/01/1323:59:59"},{"id":"33","onlinetime":"2016/12/2211:19:01$2017/12/2211:19:03"},{"id":"34","onlinetime":"2016/12/2211:19:01$2017/12/2211:19:03"},{"id":"35","onlinetime":"2017/02/1614:19:45$2017/03/1523:59:59"},{"id":"36","onlinetime":"2017/03/1700:00:00$2017/03/3123:59:59"},{"id":"37","onlinetime":"2017/03/1700:00:00$2017/03/3123:59:59"},{"id":"38","onlinetime":"2017/03/0100:00:00$2017/04/0123:59:59"},{"id":"39","onlinetime":"2017/03/0100:00:00$2017/04/0122:59:59"},{"id":"40","onlinetime":"2017/04/0100:00:00$2017/04/2123:59:59"},{"id":"41","onlinetime":"2017/04/1200:00:00$2017/05/1223:59:59"},{"id":"42","onlinetime":"2017/04/2200:00:00$2017/05/1523:59:59"},{"id":"43","onlinetime":"2017/04/2200:00:00$2017/05/1523:59:59"},{"id":"44","onlinetime":"2017/05/2200:00:00$2017/06/2223:59:59"},{"id":"45","onlinetime":"2017/05/2200:00:00$2017/05/2923:59:59"},{"id":"46","onlinetime":"2017/06/0100:00:00$2017/07/0123:59:59"},{"id":"47","onlinetime":"2017/07/2000:00:00$2017/08/1923:59:59"},{"id":"48","onlinetime":"2017/09/0115:00:00$2017/09/3015:00:00"},{"id":"49","onlinetime":"2017/10/0100:00:00$2017/10/1923:59:59"},{"id":"50","onlinetime":"2017/10/0100:00:00$2017/10/1923:59:59"},{"id":"51","onlinetime":"2017/08/1800:00:00$2017/08/3123:59:59"},{"id":"52","onlinetime":"2017/08/1800:00:00$2017/09/1823:59:59"},{"id":"53","onlinetime":"2017/08/1800:00:00$2017/09/1723:59:59"},{"id":"54","onlinetime":"2017/09/0100:00:00$2017/09/2923:59:59"},{"id":"55","onlinetime":"2017/11/1200:00:00$2017/12/1223:59:59"},{"id":"56","onlinetime":"2017/10/2000:00:00$2017/11/1123:59:59"},{"id":"57","onlinetime":"2017/11/0200:00:00$2017/11/1200:00:00"},{"id":"58","onlinetime":"2018/03/1600:00:00$2018/04/0823:59:59"},{"id":"59","onlinetime":"2018/03/1600:00:00$2018/04/0823:59:59"},{"id":"60","onlinetime":"2017/11/2700:00:00$2017/12/2723:59:59"},{"id":"61","onlinetime":"2017/11/2700:00:00$2017/12/2723:59:59"},{"id":"62","onlinetime":"2018/01/0415:00:00$2018/01/1723:59:59"},{"id":"63","onlinetime":"2018/01/1800:00:00$2018/02/1823:59:59"},{"id":"64","onlinetime":"2017/12/2116:01:03$2018/01/2123:59:59"},{"id":"65","onlinetime":"2018/01/1815:31:34$2018/02/1823:59:59"},{"id":"66","onlinetime":"2018/03/0500:00:00$2018/03/1500:00:00"},{"id":"67","onlinetime":"2018/03/1600:00:00$2018/04/0800:00:00"},{"id":"68","onlinetime":"2018/03/0900:00:00$2018/04/0923:59:59"},{"id":"69","onlinetime":"2018/04/0900:00:00$2018/05/0823:59:59"},{"id":"70","onlinetime":"2018/04/0810:16:57$2018/05/0400:00:00"},{"id":"71","onlinetime":"2018/04/0810:17:46$2018/05/0400:00:00"},{"id":"72","onlinetime":"2018/04/1900:00:00$2018/05/0223:59:59"},{"id":"73","onlinetime":"2018/05/0400:00:00$2018/05/1623:59:59"},{"id":"74","onlinetime":"2018/05/0200:00:00$2018/05/1623:59:59"},{"id":"75","onlinetime":"2018/05/2817:25:35$2018/06/2823:59:59"},{"id":"76","onlinetime":"2018/05/2817:26:43$2018/06/2823:59:59"},{"id":"c_ph_tujia_h","onlinetime":"2018/01/2418:00:00$2018/12/3123:59:59"},{"id":"c_ph_lipinplus_l","onlinetime":"2017/04/2110:38:46$2017/04/2800:00:00"}]

  这家镜头生产商曾不论职位地向早期员工发放股份,彭博汇总的数据显示,这个不同寻常的决定已经让数百人变成了百万美元富豪。在春夏季,全省每月的降水量均在100——150毫米,丰沛的降水不仅使全省山区的溪水长流不断,山泉终年不竭,同时晴雨的变幻使得喀斯特美景变幻多端,如同仙境。

中国道教和西方传过来的佛教不同,这些曾经是先人的神祗每隔一段时间都要出门溜达,称做“游神”或“出巡”,不仅是闽南地区,其实在国内大部分地区都有类似的活动。

  这一举动发生在美国国防部长马蒂斯指责中方在实施“军事化”后不久。

  日本电影《望乡》,取材于日本学者山崎朋子的《山打根八番娼馆》,属于社会性非文学类作品。图为塞班的鳄鱼岛。

    中华网下设三个事业部:无线事业部、游戏事业部、汽车事业部,三大事业部以中华网平台为依托,在各自领域为网民提供纵深垂直服务。

  6月5日上午,成都消防支队搜救犬中队里,带着一身伤病和功勋,最年长的搜救犬“天府”走了。警方则表示并不清楚这张纸条的内容,且没有透露更多调查细节。

  侵华日军第一〇〇部队专题展览项目研究人员宋陵宇:部队核心区的范围是这里。

  [{"id":"1","onlinetime":"2016/07/0100:00:00$2016/08/0100:00:00"},{"id":"3","onlinetime":"2016/04/1200:00:00$2016/07/0100:00:00"},{"id":"4","onlinetime":"2016/04/1200:00:00$2016/07/0100:00:00"},{"id":"5","onlinetime":"2016/06/0100:00:00$2016/06/2600:00:00"},{"id":"6","onlinetime":"2016/04/1200:00:00$2016/07/0100:00:00"},{"id":"7","onlinetime":"2016/06/2600:00:00$2016/07/1800:00:00"},{"id":"8","onlinetime":"2016/07/1800:00:00$2016/08/0900:00:00"},{"id":"9","onlinetime":"2016/06/1700:00:00$2016/08/3100:00:00"},{"id":"12","onlinetime":"2016/07/0600:00:00$2016/08/0600:00:00"},{"id":"13","onlinetime":"2016/08/0900:00:00$2016/08/3023:59:59"},{"id":"14","onlinetime":"2016/07/2717:30:14$2016/08/2723:59:59"},{"id":"16","onlinetime":"2016/08/3100:00:00$2016/09/3023:59:59"},{"id":"17","onlinetime":"2016/09/1500:00:00$2016/09/3023:59:59"},{"id":"18","onlinetime":"2016/09/0500:00:00$2016/09/1623:59:59"},{"id":"19","onlinetime":"2016/09/1900:00:00$2016/09/2323:59:59"},{"id":"20","onlinetime":"2016/10/0100:00:00$2016/10/3023:59:59"},{"id":"21","onlinetime":"2017/06/2300:00:00$2099/12/3123:59:59"},{"id":"22","onlinetime":"2016/09/2600:00:00$2016/10/2623:59:59"},{"id":"23","onlinetime":"2016/10/1800:00:00$2016/10/3023:59:59"},{"id":"24","onlinetime":"2016/11/0100:00:00$2016/12/0123:59:59"},{"id":"25","onlinetime":"2016/11/0100:00:00$2016/12/0123:59:59"},{"id":"26","onlinetime":"2016/11/0100:00:00$2016/11/1123:59:59"},{"id":"27","onlinetime":"2016/10/1800:00:00$2016/10/3023:59:59"},{"id":"28","onlinetime":"2016/12/1300:00:00$2017/02/2023:59:59"},{"id":"29","onlinetime":"2016/12/2817:28:32$2017/01/2823:59:59"},{"id":"30","onlinetime":"2016/12/0100:00:00$2016/12/1223:59:59"},{"id":"31","onlinetime":"2016/12/0200:00:00$2016/12/1223:59:59"},{"id":"32","onlinetime":"2016/12/1317:33:15$2017/01/1323:59:59"},{"id":"33","onlinetime":"2016/12/2211:19:01$2017/12/2211:19:03"},{"id":"34","onlinetime":"2016/12/2211:19:01$2017/12/2211:19:03"},{"id":"35","onlinetime":"2017/02/1614:19:45$2017/03/1523:59:59"},{"id":"36","onlinetime":"2017/03/1700:00:00$2017/03/3123:59:59"},{"id":"37","onlinetime":"2017/03/1700:00:00$2017/03/3123:59:59"},{"id":"38","onlinetime":"2017/03/0100:00:00$2017/04/0123:59:59"},{"id":"39","onlinetime":"2017/03/0100:00:00$2017/04/0122:59:59"},{"id":"40","onlinetime":"2017/04/0100:00:00$2017/04/2123:59:59"},{"id":"41","onlinetime":"2017/04/1200:00:00$2017/05/1223:59:59"},{"id":"42","onlinetime":"2017/04/2200:00:00$2017/05/1523:59:59"},{"id":"43","onlinetime":"2017/04/2200:00:00$2017/05/1523:59:59"},{"id":"44","onlinetime":"2017/05/2200:00:00$2017/06/2223:59:59"},{"id":"45","onlinetime":"2017/05/2200:00:00$2017/05/2923:59:59"},{"id":"46","onlinetime":"2017/06/0100:00:00$2017/07/0123:59:59"},{"id":"47","onlinetime":"2017/07/2000:00:00$2017/08/1923:59:59"},{"id":"48","onlinetime":"2017/09/0115:00:00$2017/09/3015:00:00"},{"id":"49","onlinetime":"2017/10/0100:00:00$2017/10/1923:59:59"},{"id":"50","onlinetime":"2017/10/0100:00:00$2017/10/1923:59:59"},{"id":"51","onlinetime":"2017/08/1800:00:00$2017/08/3123:59:59"},{"id":"52","onlinetime":"2017/08/1800:00:00$2017/09/1823:59:59"},{"id":"53","onlinetime":"2017/08/1800:00:00$2017/09/1723:59:59"},{"id":"54","onlinetime":"2017/09/0100:00:00$2017/09/2923:59:59"},{"id":"55","onlinetime":"2017/11/1200:00:00$2017/12/1223:59:59"},{"id":"56","onlinetime":"2017/10/2000:00:00$2017/11/1123:59:59"},{"id":"57","onlinetime":"2017/11/0200:00:00$2017/11/1200:00:00"},{"id":"58","onlinetime":"2018/03/1600:00:00$2018/04/0823:59:59"},{"id":"59","onlinetime":"2018/03/1600:00:00$2018/04/0823:59:59"},{"id":"60","onlinetime":"2017/11/2700:00:00$2017/12/2723:59:59"},{"id":"61","onlinetime":"2017/11/2700:00:00$2017/12/2723:59:59"},{"id":"62","onlinetime":"2018/01/0415:00:00$2018/01/1723:59:59"},{"id":"63","onlinetime":"2018/01/1800:00:00$2018/02/1823:59:59"},{"id":"64","onlinetime":"2017/12/2116:01:03$2018/01/2123:59:59"},{"id":"65","onlinetime":"2018/01/1815:31:34$2018/02/1823:59:59"},{"id":"66","onlinetime":"2018/03/0500:00:00$2018/03/1500:00:00"},{"id":"67","onlinetime":"2018/03/1600:00:00$2018/04/0800:00:00"},{"id":"68","onlinetime":"2018/03/0900:00:00$2018/04/0923:59:59"},{"id":"69","onlinetime":"2018/04/0900:00:00$2018/05/0823:59:59"},{"id":"70","onlinetime":"2018/04/0810:16:57$2018/05/0400:00:00"},{"id":"71","onlinetime":"2018/04/0810:17:46$2018/05/0400:00:00"},{"id":"72","onlinetime":"2018/04/1900:00:00$2018/05/0223:59:59"},{"id":"73","onlinetime":"2018/05/0400:00:00$2018/05/1623:59:59"},{"id":"74","onlinetime":"2018/05/0200:00:00$2018/05/1623:59:59"},{"id":"75","onlinetime":"2018/05/2817:25:35$2018/06/2823:59:59"},{"id":"76","onlinetime":"2018/05/2817:26:43$2018/06/2823:59:59"},{"id":"c_ph_tujia_h","onlinetime":"2018/01/2418:00:00$2018/12/3123:59:59"},{"id":"c_ph_lipinplus_l","onlinetime":"2017/04/2110:38:46$2017/04/2800:00:00"}]

  不像一般监狱那样如利马说的“夺走女性特征”,在APAC的这所监狱,她可以穿自己的衣服,有一面镜子,可以化妆和染发。一直住在酒店,据交代,当天从酒店出来后,临时起意,一路跟随这两女孩进了小区电梯。

  

  中共教育部党组关于林忠钦、张杰同志职务任...

 
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首页 > 金融 > 正文

校园贷机构前路抉择 转型路径主要有三 门槛各有不同

2019-05-22  07:00   21世纪经济报道   陈植  

随着监管趋严,越来越多互联网金融机构不得不对校园贷“忍痛割爱”。

随着监管趋严,越来越多互联网金融机构不得不对校园贷“忍痛割爱”。

据网贷之家研究中心统计,截至今年2月底,全国共有47家校园贷平台选择退出校园贷市场。

在业内人士看来,这些机构的转型方向无非是三种,一是转而涉足消费金融业务,二是利用此前积累的海量大学生还款记录数据,向白领贷(面向毕业的大学生群体提供网贷服务)转型;三是向智能金融转型。

“其实,每一条转型道路走起来都不容易。”多位校园贷机构负责人向记者表示,涉足消费金融业务往往缺乏足够多元化的消费场景支撑,导致业务发展受限;转型白领贷则面临风控模型调整压力;向智能金融进军更是白手起家。

转型“征途艰辛”

多位校园贷机构负责人向记者直言,多数退出校园贷的机构都会选择涉足消费金融与白领贷,前者占比约在40%,后者也在50%以上。

究其原因,这两条转型路径操作起来相对方便。以白领贷为例,不少校园贷机构此前积累了大量大学生还贷记录数据,可以作为他们毕业后申请贷款的征信或风控依据。

“不过,白领的收入状况、消费开支结构、消费行为与大学生有着诸多不同,若照搬校园贷的风控模型,往往会形成不少风控盲点(比如无法洞察她们收入使用状况是否存在长期透支现象),令坏账压力骤增。”有校园贷机构负责人表示。

但他并不否认,这的确是校园贷机构业务转型的最便捷路径,无需构建多元化的消费场景,以及复杂的智能金融算法模型。

麦子金服CEO黄大容坦言,麦子金服决定7月1日起暂停新增校园贷业务,转向校园公益事业同时,也会布局白领贷业务。

在业内人士看来,此举也是麦子金服对冲业绩下滑压力的必要举措,毕竟,麦子金服占据校园贷现金贷市场份额约60%,70%业务收入来自校园贷,一旦剥离这项业务,势必给业绩增长构成不小的压力。

“业绩压力的确存在。”黄大容向21世纪经济报道记者坦言,一方面麦子金服除了分期业务尚未实现盈亏平衡,其他类型网贷业务基本实现盈利;另一方面创投股东也支持麦子金服网贷业务转型,比如麦子金服计划将网贷业务运作海外上市,A轮投资方——海通证券旗下海通创新准备按持股比例,将部分投资额兑换海外上市主体的相应股权。

不过,校园贷监管政策趋严,让她意识到光靠网贷业务未必能支撑公司持续发展。

“行业乱象给整个校园贷带来的冲击,已经令这项业务未来发展面临巨大的不确定性。”她直言。因此退出校园贷可能是一个契机,让业务转型方向跳出网贷范畴,在金融科技时代获得更多中间收入,对冲网贷业务因监管或坏账压力所衍生的经营风险。

“这也是我们转型智能金融的最大原因之一,尽管选择这条转型路径的校园贷机构屈指可数。”黄大容表示。


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