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维斯塔潘:与梅奔圈速差0.3秒是可以接受的

2019-09-16 23:16 来源:中华网

  维斯塔潘:与梅奔圈速差0.3秒是可以接受的

  AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)CompetitorChristopheRiffaudshearsasheeponJune9,2018duringthe24hourssheepshearingcontestinCoulonges,,500sheepareshornbytwoteamsofthreeshearerswithanaverageofonesheepperminute.(Photo/Agencies)AssistantshandlethewoolfromfreshlyshornsheeponJune9,2018duringthe24hourssheepshearingcontestinCoulonges,,500sheepareshornbytwoteamsofthreeshearerswithanaverageofonesheepperminute.(Photo/Agencies)AssistantshandlethewoolfromfreshlyshornsheeponJune9,2018duringthe24hourssheepshearingcontestinCoulonges,,500sheepareshornbytwoteamsofthreeshearerswithanaverageofonesheepperminute.(Photo/Agencies)CompetitorGillesGranchershearsasheeponJune9,2018duringthe24hourssheepshearingcontestinCoulonges,,500sheepareshornbytwoteamsofthreeshearerswithanaverageofonesheepperminute.(Photo/Agencies)

JournalistsdopreparationworkattheMediaCenteroftheShanghaiCooperationOrganization(SCO)QingdaoSummitinQingdao,eastChinasShandongProvince,June6,fromJune6to11.(Xinhua/LiZiheng)JournalistsdopreparationworkattheMediaCenteroftheShanghaiCooperationOrganization(SCO)QingdaoSummitinQingdao,eastChinasShandongProvince,June6,fromJune6to11.(Xinhua/LiZiheng)AjournalistworksattheMediaCenteroftheShanghaiCooperationOrganization(SCO)QingdaoSummitinQingdao,eastChinasShandongProvince,June6,fromJune6to11.(Xinhua/LiZiheng)JournalistsdopreparationworkattheMediaCenteroftheShanghaiCooperationOrganization(SCO)QingdaoSummitinQingdao,eastChinasShandongProvince,June6,fromJune6to11.(Xinhua/LiZiheng)Acameramanworksatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June6,o11.(Xinhua/LiZiheng),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)

  ,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)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)

  PhototakenonJune6,2018showscustomsenforcementofficersinIstanbul’sPendikporthavecaughtundocumentedmigrants,wrappedinaluminumfoiltohidefromx-raydetectors,onan18-wheeltruckenroutetoItaly.(Photo/Agencies)PhototakenonJune6,2018showscustomsenforcementofficersinIstanbul’sPendikporthavecaughtundocumentedmigrants,wrappedinaluminumfoiltohidefromx-raydetectors,onan18-wheeltruckenroutetoItaly.(Photo/Agencies)AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)StudentspracticebasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)StudentspracticebasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)

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)

  JournalistsdopreparationworkattheMediaCenteroftheShanghaiCooperationOrganization(SCO)QingdaoSummitinQingdao,eastChinasShandongProvince,June6,fromJune6to11.(Xinhua/LiZiheng)JournalistsdopreparationworkattheMediaCenteroftheShanghaiCooperationOrganization(SCO)QingdaoSummitinQingdao,eastChinasShandongProvince,June6,fromJune6to11.(Xinhua/LiZiheng)AjournalistworksattheMediaCenteroftheShanghaiCooperationOrganization(SCO)QingdaoSummitinQingdao,eastChinasShandongProvince,June6,fromJune6to11.(Xinhua/LiZiheng)JournalistsdopreparationworkattheMediaCenteroftheShanghaiCooperationOrganization(SCO)QingdaoSummitinQingdao,eastChinasShandongProvince,June6,fromJune6to11.(Xinhua/LiZiheng)Acameramanworksatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June6,o11.(Xinhua/LiZiheng)

  AspeciallaneforphubberswhoarebusywithphonesormobiledeviceswherevertheygohasbeenbuiltinXi’an,NorthwestChina’lowertheirheadsandgazeintothecellphones,butsomecitizensfrownontheidea.(Photo:ChinaNewsService/ChenYing)AspeciallaneforphubberswhoarebusywithphonesormobiledeviceswherevertheygohasbeenbuiltinXi’an,NorthwestChina’lowertheirheadsandgazeintothecellphones,butsomecitizensfrownontheidea.(Photo:ChinaNewsService/ChenYing)AspeciallaneforphubberswhoarebusywithphonesormobiledeviceswherevertheygohasbeenbuiltinXi’an,NorthwestChina’lowertheirheadsandgazeintothecellphones,butsomecitizensfrownontheidea.(Photo:ChinaNewsService/ChenYing)AspeciallaneforphubberswhoarebusywithphonesormobiledeviceswherevertheygohasbeenbuiltinXi’an,NorthwestChina’lowertheirheadsandgazeintothecellphones,butsomecitizensfrownontheidea.(Photo:ChinaNewsService/ChenYing)AspeciallaneforphubberswhoarebusywithphonesormobiledeviceswherevertheygohasbeenbuiltinXi’an,NorthwestChina’lowertheirheadsandgazeintothecellphones,butsomecitizensfrownontheidea.(Photo:ChinaNewsService/ChenYing)AspeciallaneforphubberswhoarebusywithphonesormobiledeviceswherevertheygohasbeenbuiltinXi’an,NorthwestChina’lowertheirheadsandgazeintothecellphones,butsomecitizensfrownontheidea.(Photo:ChinaNewsService/ChenYing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)

  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)

  (CNS),astate-levelnewsagencysponsoredandestablishedbyChinesejournalistsandrenownedoverseasChineseexpertsonOctober1,(),,,includingin-depthcoverage,featurestoriesandvisualcontent,withtopicssuchascurrentevents,art,lifestyle,(CNS)isnotonlyastate-levelnewsagencyspreadingnewsworldwide,butalsoaninternationalnewsagencywithsubscribersinTaiwan,HongKongandMacao,,formervicechairmanoftheStandingCommitteeoftheNationalPeoplesCongress,,therewereothermajorsponsorsandbuilders,suchasJinZhonghua,HuYuzhi,,awell-knownexpertoninternationalissues,,CNSwastheInternationalNewsService,,adatabaseofinforma(includingwritings,photosandspecialarticles)andamodernmethodofreporting(mainlythroughinternet,videosandSMS)providedtooverse,,HongKongandMacao,aswellasbranchesorreportstationsinTokyo,Bangkok,KualaLumpur,NewYork,Washington,LosAngeles,SanFrancisco,Vancouver,London,Paris,,andnewsreleasecentershavebeenestablishedinBeijing,,multi-levelandmulti-functionnewsreleasesystem,CNSprovidesallkindsofnewsandinformation,’,,1999,theheadquartersofCNSlauncheditsofficialwebsite,namedChinanews().ChinanewsisconsideredoneofChina’smostimportantonlinenewssources.LeonardoDaVinci’ssketchTheKnightonshowattheZhejiangExhibitionHallinHangzhouCity,EastChina’sZhejiangProvince,June5,rtistsofRenaissanceItaly-Leonardo,RaphaelandMichelangelo.(Photo/)Theexhibitionof250itemsincludingworksbythreeofthegreatmasterartistsofRenaissanceItaly-Leonardo,RaphaelandMichelangelowillopenattheZhejiangExhibitionHallinHangzhouCity,EastChina’sZhejiangProvinceonJune8,’spaintingMonaLisamadebyoneofhisfollowersisonshowattheZhejiangExhibitionHallinHangzhouCity,EastChina’sZhejiangProvince,June5,rtistsofRenaissanceItaly-Leonardo,RaphaelandMichelangelo.(Photo/)Theexhibitionof250itemsincludingworksbythreeofthegreatmasterartistsofRenaissanceItaly-Leonardo,RaphaelandMichelangelowillopenattheZhejiangExhibitionHallinHangzhouCity,EastChina’sZhejiangProvinceonJune8,2018.

  English-LanguageNewsWebEditorRequirements::Aminimumofabachelor’sdegreeatanaccreditedcollegeoruniversitywithamajorinjournalism,English,economics,internationalpolitics,,:Haveathoroughunderstandingandappreciationfortheroleofjournalismandaccurate,ftWord,AdobePhotoshop,Dreamweaver,:Previousjoborinternshipexperienceinan:Responsibleforconductingnewsinterviews,andcompiling,editingandrevisingnewsmanuscriptsfromothersourcesforwebsitenews,dupdates,andproducingspecialnewspackages,aswellasothe,:’sdegreeatanaccreditedcollegeoruniversitywithamajorinjournalism,English,economics,internationalpolitics,andaccurate,,:-Thejobisfull-time.-rewritingandcopy-editingstorieswrittenbystaffandfromothermediaresources;-writingoredittingheadlines,readingprovesandcontributingideasinstoryselectionandlayoutandsoon;-helpingproductionanddevelopmentofothereditorialmaterials,whichincludewritingstories,columns,reviewsandrecordings

  (CNS),astate-levelnewsagencysponsoredandestablishedbyChinesejournalistsandrenownedoverseasChineseexpertsonOctober1,(),,,includingin-depthcoverage,featurestoriesandvisualcontent,withtopicssuchascurrentevents,art,lifestyle,(CNS)isnotonlyastate-levelnewsagencyspreadingnewsworldwide,butalsoaninternationalnewsagencywithsubscribersinTaiwan,HongKongandMacao,,formervicechairmanoftheStandingCommitteeoftheNationalPeoplesCongress,,therewereothermajorsponsorsandbuilders,suchasJinZhonghua,HuYuzhi,,awell-knownexpertoninternationalissues,,CNSwastheInternationalNewsService,,adatabaseofinforma(includingwritings,photosandspecialarticles)andamodernmethodofreporting(mainlythroughinternet,videosandSMS)providedtooverse,,HongKongandMacao,aswellasbranchesorreportstationsinTokyo,Bangkok,KualaLumpur,NewYork,Washington,LosAngeles,SanFrancisco,Vancouver,London,Paris,,andnewsreleasecentershavebeenestablishedinBeijing,,multi-levelandmulti-functionnewsreleasesystem,CNSprovidesallkindsofnewsandinformation,’,,1999,theheadquartersofCNSlauncheditsofficialwebsite,namedChinanews().ChinanewsisconsideredoneofChina’smostimportantonlinenewssources.

  ,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)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)

  

  维斯塔潘:与梅奔圈速差0.3秒是可以接受的

 
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校园贷机构前路抉择 转型路径主要有三 门槛各有不同

2019-09-16  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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