兴化| 华县| 盘山| 龙凤| 大姚| 南涧| 东山| 天安门| 弥渡| 新民| 吉县| 尚志| 巴里坤| 双峰| 鄢陵| 永胜| 苍溪| 阳泉| 庆阳| 太仆寺旗| 奉化| 高平| 彰化| 平罗| 马鞍山| 安阳| 金佛山| 德化| 南京| 唐县| 镇江| 德清| 惠民| 台安| 湘潭市| 彭水| 蛟河| 高州| 株洲市| 巴林右旗| 黄石| 大方| 和顺| 壶关| 带岭| 五常| 深圳| 定兴| 美姑| 阿鲁科尔沁旗| 江口| 濉溪| 白山| 东川| 桓仁| 南平| 睢县| 秀屿| 西华| 澄城| 灞桥| 新巴尔虎左旗| 建水| 电白| 图们| 宁夏| 科尔沁右翼前旗| 兴义| 林芝镇| 渑池| 长汀| 柯坪| 岳普湖| 三水| 阿拉善右旗| 班玛| 扶余| 讷河| 夏邑| 彝良| 白沙| 长春| 得荣| 昭苏| 吴桥| 沂水| 寻乌| 围场| 商南| 高平| 白河| 平阳| 大余| 汤旺河| 九龙| 中宁| 金口河| 秭归| 巴中| 康平| 马鞍山| 阜新蒙古族自治县| 宾川| 陈仓| 涪陵| 和平| 平阳| 凉城| 厦门| 上街| 景德镇| 黄岩| 和政| 永年| 密山| 洱源| 西峡| 汉中| 武强| 呼玛| 商城| 澳门| 桂林| 临颍| 鹰潭| 扶余| 青县| 辛集| 策勒| 苍溪| 范县| 阜宁| 凤台| 郓城| 南澳| 鸡东| 丹阳| 土默特左旗| 巴彦淖尔| 竹山| 嘉禾| 郯城| 安徽| 绵阳| 玉田| 烈山| 五寨| 盐亭| 汉阴| 梅里斯| 无棣| 永定| 长乐| 大悟| 澳门| 宣城| 武鸣| 唐山| 凌海| 古丈| 信丰| 汕尾| 巩义| 雅江| 曲水| 广灵| 绥德| 永兴| 桓仁| 栖霞| 垣曲| 开江| 吴堡| 白朗| 大同区| 丽江| 南充| 南部| 丽水| 会理| 嘉祥| 雅江| 新巴尔虎左旗| 宜章| 尉氏| 彭阳| 宝应| 上蔡| 丹巴| 内黄| 德江| 平谷| 正蓝旗| 眉县| 乡宁| 大理| 久治| 南川| 台南市| 乌恰| 什邡| 泰兴| 苏家屯| 新晃| 石景山| 上杭| 霍山| 都兰| 中山| 遂昌| 丰城| 锡林浩特| 铜川| 如皋| 武川| 博山| 穆棱| 西和| 崇信| 范县| 金门| 若尔盖| 大竹| 洪泽| 嘉禾| 惠农| 黑河| 赣县| 宝鸡| 新野| 商洛| 奉新| 宜兴| 凌海| 定远| 万年| 丰镇| 绥化| 长汀| 界首| 武清| 吉隆| 廊坊| 日喀则| 盱眙| 大城| 和政| 都兰| 凤翔| 木兰| 梨树| 江华| 白朗| 保靖| 夏县| 鄯善| 陆川| 莫力达瓦| 大洼| 东安| 天山天池| 沁源| 平乐|

趁我们还不够老,快去走遍天涯海角!(太美了)

2019-10-14 05:17 来源:中国质量新闻网

  趁我们还不够老,快去走遍天涯海角!(太美了)

  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)SingaporeanPrimeMinisterLeeHsienLoong(R)meetswithKimJongUn,chairmanoftheWorkersPartyofKorea(WPK)andchairmanoftheStateAffairsCommissionoftheDemocraticPeoplesRepublicofKorea(DPRK),inSingapore,onJune10,2018.(Xinhua/ThenChihWey)SingaporeanPrimeMinisterLeeHsienLoong(R)shakeshandswithKimJongUn,chairmanoftheWorkersPartyofKorea(WPK)andchairmanoftheStateAffairsCommissionoftheDemocraticPeoplesRepublicofKorea(DPRK),inSingapore,onJune10,2018.(Xinhua/ThenChihWey)

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.()Thislow-angleself-portraitofNASAsCuriosityMarsrovershowsthevehicleatthesitefromwhichitreacheddowntodrillintoarocktargetcalled"Buckskin"onlowerMountSharp.(Photo/Agencies)NASA’sCuriosityroverhasfoundnewevidencepreservedinrocksonMarsthatsuggeststheplanetcouldhavesupportedancientlife,aswellasnewevidenceintheMart,thesefindingsareagoodsignforfuturemissionsexploringtheplanet’“tough”organicmoleculesinthree-billion-year-oldsedimentaryrocksnearthesurface,aswellasseasonalvariationsinthelevelsofm,andalsomayincludeoxygen,,organicmoleculesalsocanbecreatedbynon-biologicalprocessesandarenotnecessarilyindicatorsoflife.“Withthesenewfindings,Marsistellingustostaythecourseandkeepsearchingforevidenceoflife,”saidThomasZurbuchen,associateadministratorfortheScienceMissionDirectorateatNASAHeadquarters,inWashington.“I’mconfidentthatourongoingandplannedmissionswillunlockevenmorebreathtakingdiscoveriesontheRedPlanet.”Thisself-portraitofNASAsCuriosityMarsroverobtainedFebruary4,2018showsthevehicleonVeraRubinRidge,whichitsbeeninvestigatingforthepastseveralmonths,directlybehindtheroveristhestartofaclaywherenorthisontheleftandwestisontheright,withGaleCratersrimonthehorizonofbothedges.-’sCuriosityroverhasfoundnewevidencepreservedinrocksonMarsthatsuggeststheplanetcouldhavesupportedancientlife,aswellasnewevidenceintheMart,thesefindingsareagoodsignforfuturemissionsexploringtheplanet’“tough”organicmoleculesinthree-billion-year-oldsedimentaryrocksnearthesurface,aswellasseasonalvariationsinthelevelsofm,andalsomayincludeoxygen,,organicmoleculesalsocanbecreatedbynon-biologicalprocessesandarenotnecessarilyindicatorsoflife.“Withthesenewfindings,Marsistellingustostaythecourseandkeepsearchingforevidenceoflife,”saidThomasZurbuchen,associateadministratorfortheScienceMissionDirectorateatNASAHeadquarters,inWashington.“I’mconfidentthatourongoingandplannedmissionswillunlockevenmorebreathtakingdiscoveriesontheRedPlanet.”

  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."FolkartistZhangBinmakesdoughfigurinesinanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)PeoplevisitChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)ApersonvisitsChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)InkstoneamateurscompeteinaninkstonecarvingcontestinWuyuan,eastChinasJiangxiProvince,June9,ritageDayonSaturday.(Xinhua/SongZhenping)AchildgetshissugarpaintinginanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)AfolkartistcommunicateswithonlineaudienceinnorthChinasTianjinMunicipality,June9,ritageDayonSaturday.(Xinhua/LiRan)

  FolkartistZhangBinmakesdoughfigurinesinanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)PeoplevisitChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)ApersonvisitsChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)InkstoneamateurscompeteinaninkstonecarvingcontestinWuyuan,eastChinasJiangxiProvince,June9,ritageDayonSaturday.(Xinhua/SongZhenping)AchildgetshissugarpaintinginanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)AfolkartistcommunicateswithonlineaudienceinnorthChinasTianjinMunicipality,June9,ritageDayonSaturday.(Xinhua/LiRan)VolunteerscleanwasteonbeachinDongshanCounty,southeastChinasFujianProvince,,,aUN-designateddayheldannuallyonJune8,aimstoarousepeoplesconsciousnesstopreserveoceansonEarth.(Xinhua/SongWeiwei)VolunteersfreefriesinSanya,southChinasHainanProvince,June6,,aUN-designateddayheldannuallyonJune8,aimstoarousepeoplesconsciousnesstopreserveoceansonEarth.(Xinhua/ChenWenwu)MembersofChinasAntarcticexpeditionputamicroplasticcollectorintothesea,,,aUN-designateddayheldannuallyonJune8,aimstoarousepeoplesconsciousnesstopreserveoceansonEarth.(Xinhua/BaiGuolong)CleanersclearthefloatingwasteinthefishbreedingraftsinHuangqiTownshipofLianjiangCounty,southeastChinasFujianProvince,June6,,aUN-designateddayheldannuallyonJune8,aimstoarousepeoplesconsciousnesstopreserveoceansonEarth.(Xinhua/JiangKehong)ChinasmannedsubmersibleJiaolongispreparedtodiveintheYapTrenchinthewestPacific,June13,,aUN-designateddayheldannuallyonJune8,aimstoarousepeoplesconsciousnesstopreserveoceansonEarth.(Xinhua/LiuShiping)PearlcultivatorstransfershellsatapearlcultivationfarminBeihaiCity,southChinasGuangxiZhuangAutonomousRegion,,,aUN-designateddayheldannuallyonJune8,aimstoarousepeoplesconsciousnesstopreserveoceansonEarth.(Xinhua/ZhangAilin)AlittlegirlstaysatacampinQingdaoHaichangPolarOceanParkinQingdao,acoastalcityineastChinasShandongProvince,May19,,aUN-designateddayheldannuallyonJune8,aimstoarousepeoplesconsciousnesstopreserveoceansonEarth.(Xinhua/LiZiheng)AseaweedharvestboatsailsataseaweedfarminSanshaTownshipinXiapuCounty,southeastChinasFujianProvince,,,aUN-designateddayheldannuallyonJune8,aimstoarousepeoplesconsciousnesstopreserveoceansonEarth.(Xinhua/JiangKehong),2018showsthesceneryofXinyingmangrovenationalwetlandparkinsouthChina,aUN-designateddayheldannuallyonJune8,aimstoarousepeoplesconsciousnesstopreserveoceansonEarth.(Xinhua/JiangEnyu)

Thislow-angleself-portraitofNASAsCuriosityMarsrovershowsthevehicleatthesitefromwhichitreacheddowntodrillintoarocktargetcalled"Buckskin"onlowerMountSharp.(Photo/Agencies)NASA’sCuriosityroverhasfoundnewevidencepreservedinrocksonMarsthatsuggeststheplanetcouldhavesupportedancientlife,aswellasnewevidenceintheMart,thesefindingsareagoodsignforfuturemissionsexploringtheplanet’“tough”organicmoleculesinthree-billion-year-oldsedimentaryrocksnearthesurface,aswellasseasonalvariationsinthelevelsofm,andalsomayincludeoxygen,,organicmoleculesalsocanbecreatedbynon-biologicalprocessesandarenotnecessarilyindicatorsoflife.“Withthesenewfindings,Marsistellingustostaythecourseandkeepsearchingforevidenceoflife,”saidThomasZurbuchen,associateadministratorfortheScienceMissionDirectorateatNASAHeadquarters,inWashington.“I’mconfidentthatourongoingandplannedmissionswillunlockevenmorebreathtakingdiscoveriesontheRedPlanet.”Thisself-portraitofNASAsCuriosityMarsroverobtainedFebruary4,2018showsthevehicleonVeraRubinRidge,whichitsbeeninvestigatingforthepastseveralmonths,directlybehindtheroveristhestartofaclaywherenorthisontheleftandwestisontheright,withGaleCratersrimonthehorizonofbothedges.-’sCuriosityroverhasfoundnewevidencepreservedinrocksonMarsthatsuggeststheplanetcouldhavesupportedancientlife,aswellasnewevidenceintheMart,thesefindingsareagoodsignforfuturemissionsexploringtheplanet’“tough”organicmoleculesinthree-billion-year-oldsedimentaryrocksnearthesurface,aswellasseasonalvariationsinthelevelsofm,andalsomayincludeoxygen,,organicmoleculesalsocanbecreatedbynon-biologicalprocessesandarenotnecessarilyindicatorsoflife.“Withthesenewfindings,Marsistellingustostaythecourseandkeepsearchingforevidenceoflife,”saidThomasZurbuchen,associateadministratorfortheScienceMissionDirectorateatNASAHeadquarters,inWashington.“I’mconfidentthatourongoingandplannedmissionswillunlockevenmorebreathtakingdiscoveriesontheRedPlanet.”

  PhototakenonJune6,2018showscustomsenforcementofficersinIstanbul’sPendikporthavecaughtundocumentedmigrants,wrappedinaluminumfoiltohidefromx-raydetectors,onan18-wheeltruckenroutetoItaly.(Photo/Agencies)PhototakenonJune6,2018showscustomsenforcementofficersinIstanbul’sPendikporthavecaughtundocumentedmigrants,wrappedinaluminumfoiltohidefromx-raydetectors,onan18-wheeltruckenroutetoItaly.(Photo/Agencies)

  AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/JiangKehong)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/JiangKehong)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/JiangKehong)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/JiangKehong)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/LiXueren)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/LiZiheng)Alightsandfireworksshowwiththethemeof"AWarmWelcometoFriendsfromAfar"takesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/XieHuanchi)Alightsandfireworksshowwiththethemeof"AWarmWelcometoFriendsfromAfar"takesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/XieHuanchi)TheSoyuzMS-09spacecra,AlexanderGerstofGermanyandcosmonautSergeyProkopyevofRussiablastsofftotheInternationalSpaceStation(ISS)fromthelaunchpadattheBaikonurCosmodrome,Kazakhstan,June6,2018.(Photo/Agencies)TheSoyuzMS-09spacecra,AlexanderGerstofGermanyandcosmonautSergeyProkopyevofRussiablastsofftotheInternationalSpaceStation(ISS)fromthelaunchpadattheBaikonurCosmodrome,Kazakhstan,June6,2018.(Photo/Agencies)TheSoyuzMS-09spacecra,AlexanderGerstofGermanyandcosmonautSergeyProkopyevofRussiablastsofftotheInternationalSpaceStation(ISS)fromthelaunchpadattheBaikonurCosmodrome,Kazakhstan,June6,2018.(Photo/Agencies)TheSoyuzMS-09spacecra,AlexanderGerstofGermanyandcosmonautSergeyProkopyevofRussiablastsofftotheInternationalSpaceStation(ISS)fromthelaunchpadattheBaikonurCosmodrome,Kazakhstan,June6,2018.(Photo/Agencies)

  ,2017showstwilightthroughtheSeventeenArchBridgeintheSummerPalaceinBeijing,capitalofChina.(Xinhua/LiuXianguo)China,700activitieswillbeheldacrossChinatocelebratethisyearsculturalandnaturalheritageday,,whichwasestablishedtosafegstakealookat20culturalheritagesitesinChina,,originallynamedQingyiYuan,ortheGardenofClearRipples,wasanimperialgardenconstructedin1750byEmperorQianlonginabidtocelebratehismother,emperorsandempressesspenttheirleisuretimethere,eselandscapegardendesign,,capitalofsouthwestChinasTibetAutonomousRegion,,2018,togreettheSpringFestivalandTibetanNewYear.(Xinhua/Chogo),LhasaThePotalaPalace,winterpalaceoftheDalaiLama,hassymbolizedTibetanBuddhismanditscen,madeupoftheWhiteandRedPalaceswiththeirancillarybuildings,isbuiltonRedMountaininthecenterofLhasaValley,atanaltitudeof3,,JokhangTempleMonasteryandNorbulingkawereaddedtothelistrespectivelyin1994,,2018showsthesnowsceneryofWestLakeinHangzhou,eastChinaZhejiangProvince,,2018.(Xinhua/HuangZongzhi),,WestLakeCulturalLandscapeofHangzhouhasinspiredfamouspoets,,pagodas,pavilions,gardensandornamentaltrees,,2018showsseaofcloudsafterrainfallatHuangyaguansectionoftheGreatWallinTianjin,northChina.(Xinhua/YangYushan),theGreatWallwindsupanddownacrossdeserts,grasslands,mountainsandplateaus,,horsetracks,watchtowers,andsheltersonthewall,,000years,,itisstilloneofthemostappealingattractionsallaroundt,oneofthegreatestwondersoftheworld,,northwestChinasGansuProvince,,2016.(Photo/Xinhua),Gansuprovince,theMogaocaves,alsoknownastheThousand-BuddhaCaves,aretheworldslargest,mostrichlyendowed,,atthecrossroadsoftradeaswellasreligious,,thecarvingofthecavesstartedin366ADandcontinuedforabout1,,housingabout45,000squaremetersofmuralsandmorethan2,000paintedsculptures,,wi(Photo/Xinhua)sYuanDynastyinChina,slegendarycapitalcity,designedbytheMongolrulersChineseadvisor,LiuBingzhong,,includingtemples,palaces,tombs,nomadicencampmentsandtheTiefangangCanal,,,:/FengJun):anImperialSacrificialAltarinBeijingLocatedinthesouthernpartofBeijing,theTempleofHeavenisamagnificentcomplexoffirs,andisthelargestoneinBeijingamongseveralroyalaltarstoHeaven,Earth,theSun,,SoutheastChinasFujianprovince,onDec9,2016.(Photo:ChinaNewsService/WangDongming)e15thand20thcenturiesover120kilometersinthesouth-westofFujianprovince,irfunctionexe,,efilm,resembling"scarfs"and"dresses",aspartoftheirrestorationintheEmperorQinshihuangsMausoleumSiteMuseuminXian,Shaanxiprovince,Feb23,2015.(Photo/CFP)ntainingterracottawarriorsandhorsesarelocatedinLintongcounty,nearXi’ancity,,,themausoleumislaidoutinlinewiththedimensionsofXianyang,,,,ridianGate(WuMen)ofthePalaceMuseuminBeijing,April17,2018.(Photo:ChinaNewsService/DuYang)ForbiddenCity,locatedinthecenterofBeijing,,,,(anareaenclosedbyfourpoles).In1924,theimperialfamilyoftheQingDynastywasremovedfromtheForbiddenCity,age,nearMountHuangshan,Anhuiprovince,inMay.(Photo:ChinaDaily/WangHao),HuangshancityinsouthAnhuiprovince,thetwotraditionalvillagesXidiandHongcunarearchitecturalcomplexes,,landscape,architecturalform,decorationandconstructiontechniquesallretaint,northChinasShanxiProvince,April22,,listedasaUNESCOWorldCulturalHeritagesitein2001,willwitnessatourismpeakastheMayDayholidayiscoming.(Photo:Xinhua/YanYan),some16kmwestofDatongcity,Shanxiprovince,theYungangGrottoeswerebuiltagainstthemountainandextendaboutonekm(),000statueswithinacarvedareaof18,000squaremeters,YungangGrottoesrepresenttheoutstandin,withtheirstrictunityoflayoutanddesign,coPoliticalPartyForumvisitLiuyuanorLingeringGardeninSuzhou,eastChinasJiangsuProvince,April22,2013.(Xinhua/ShenPeng),whichseekstorecreateminiaturenaturallandscapes,isnotillustratedanybetterthanintheninegardensinthehistoriccityofSuzhou,’,2017showstheviewofChengdesummerresortinnorthChinasHebeiProvince.(Xinhua/LiuMancang),ChengdeIntermsofthegenerallayout,architecturalstyles,constructiontechniques,decorationdetailsandgardenlandscape,theMountainResort,avastcomplexofpalacesandadministrativeandceremonialbuildingsbuiltbetween1703and1792,representsthebroadexchangeandconvergencebetweenHancultureandtheethniccultures-Confucianism,BuddhismandTaoism-andthearchitecturalstylesbetweenChina,theMountainResorthastemplesofmanyarchitecturalstylesandimperialgardensblendeffortlesslyintoalandscapeoflakes,,,centralChinasHenanProvince,April17,(Xinhua/ZhuXiang)e(618-907).Located13kmsouthofLuoyang,Henanprovince,theLongmenGrottoesareconcentratedontheeastandwestcliffsoftheYishuiRiver,,duringtheNorthernWeiDynasty,Grottoes,liketheTwentyGemsofLongmenCalligraphyandZhuSuiliang’sstonetablets,,madein641inhonorofthemotherofthefourthsonofEmperorTaizong,,,LushanMountainisoneofthemostrenownedmountainsandtourismresortsinthecountry.(Photo/ShanghaiDaily),LushanMountainisoneofChina’,whichwasinscribedontheWorldHeritageListin1996,i,LushanisthebirthplaceofChineselandscapepoetry,plus,thefamousLushanPlenumrepresentsitsroleinChina’,,southwestChinasYunnanProvince,,SCOin1997.(Photo:Xinhua/YangZongyou),lyingontheLijiangplainatanelevationof2,400metersinsouthwestYunnanprovinceofChina,alandstrategifelementsfromseveralcultures,a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  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)

  SingaporeanPrimeMinisterLeeHsienLoong(R)meetswithKimJongUn,chairmanoftheWorkersPartyofKorea(WPK)andchairmanoftheStateAffairsCommissionoftheDemocraticPeoplesRepublicofKorea(DPRK),inSingapore,onJune10,2018.(Xinhua/ThenChihWey)SingaporeanPrimeMinisterLeeHsienLoong(R)shakeshandswithKimJongUn,chairmanoftheWorkersPartyofKorea(WPK)andchairmanoftheStateAffairsCommissionoftheDemocraticPeoplesRepublicofKorea(DPRK),inSingapore,onJune10,2018.(Xinhua/ThenChihWey)

  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)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."

  

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首页 > 金融科技 > 互联网金融 > 在线理财 > 现金贷乱象重重不容忽视 金融监管出手在即

现金贷乱象重重不容忽视 金融监管出手在即

中国证券报2019-10-1409:26分类:在线理财
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)

核心提示: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。

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。

[责任编辑:陈周阳]

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