Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴
随机图片

穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴

更新时间: 浏览次数: 535

400电话:123456(点击咨询)
穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴各观看免费《今日汇总》
穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴各热线观看免费2025已更新(2025已更新)








穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴各区点热线观看免费《今日发布》
Random Image 穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴电话








7天观看免费人工电话为您、穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴各观看免费《今日汇总》2025已更新(今日/推荐)








穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴电话区域:








白银市(靖远县、白银区、平川区、会宁县、景泰县)








玉溪市(峨山彝族自治县、江川区、澄江市、红塔区、通海县、新平彝族傣族自治县、易门县、华宁县、元江哈尼族彝族傣族自治县)








扬州市(仪征市、高邮市、广陵区、邗江区、江都区、宝应县)








咸宁市(咸安区、通山县、赤壁市、通城县、嘉鱼县、崇阳县)  汕尾市(陆丰市、海丰县、城区、陆河县)








黄石市(铁山区、西塞山区、黄石港区、下陆区、大冶市、阳新县)








白城市(通榆县、大安市、镇赉县、洮南市、洮北区)








延安市(富县、洛川县、宝塔区、宜川县、甘泉县、吴起县、黄龙县、延川县、延长县、志丹县、子长市、黄陵县、安塞区)








九江市(武宁县、柴桑区、共青城市、修水县、庐山市、浔阳区、濂溪区、永修县、都昌县、湖口县、瑞昌市、德安县、彭泽县)  湘西土家族苗族自治州(凤凰县、保靖县、龙山县、花垣县、泸溪县、吉首市、永顺县、古丈县)








泰安市(宁阳县、东平县、泰山区、新泰市、岱岳区、肥城市)








宿州市(萧县、泗县、埇桥区、灵璧县、砀山县)








滨州市(无棣县、博兴县、沾化区、阳信县、惠民县、滨城区、邹平市)








荆州市(沙市区、松滋市、监利市、荆州区、公安县、石首市、江陵县、洪湖市)








赤峰市(阿鲁科尔沁旗、克什克腾旗、元宝山区、翁牛特旗、松山区、敖汉旗、巴林右旗、喀喇沁旗、宁城县、林西县、红山区、巴林左旗)








阿克苏地区(沙雅县、乌什县、阿克苏市、柯坪县、库车市、温宿县、拜城县、阿瓦提县、新和县)








乌兰察布市(凉城县、化德县、四子王旗、兴和县、察哈尔右翼后旗、卓资县、丰镇市、察哈尔右翼中旗、集宁区、察哈尔右翼前旗、商都县)








吴忠市(盐池县、利通区、红寺堡区、青铜峡市、同心县)








丹东市(振兴区、振安区、凤城市、元宝区、东港市、宽甸满族自治县)








丽水市(青田县、遂昌县、缙云县、龙泉市、松阳县、景宁畲族自治县、莲都区、云和县、庆元县)








廊坊市(霸州市、永清县、广阳区、文安县、大厂回族自治县、安次区、大城县、三河市、香河县、固安县)








昆明市(石林彝族自治县、官渡区、盘龙区、禄劝彝族苗族自治县、五华区、富民县、嵩明县、呈贡区、宜良县、东川区、晋宁区、寻甸回族彝族自治县、安宁市、西山区)








仙桃市(天门市、神农架林区、潜江市)








桂林市(叠彩区、龙胜各族自治县、雁山区、灌阳县、兴安县、灵川县、临桂区、资源县、象山区、七星区、全州县、平乐县、恭城瑶族自治县、永福县、荔浦市、秀峰区、阳朔县)








克孜勒苏柯尔克孜自治州(阿克陶县、阿图什市、乌恰县、阿合奇县)








淄博市(博山区、周村区、临淄区、桓台县、高青县、张店区、淄川区、沂源县)








永州市(道县、蓝山县、冷水滩区、新田县、零陵区、江永县、江华瑶族自治县、宁远县、东安县、祁阳市、双牌县)








威海市(文登区、环翠区、荣成市、乳山市)








河源市(东源县、紫金县、龙川县、和平县、源城区、连平县)
400电话:123456(点击咨询)
穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴各观看免费《今日汇总》《今日发布》
穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴各观看免费《今日汇总》(2025已更新)








穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴各观看免费《今日汇总》【2025已更新列表】
穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴电话








7天观看免费人工电话为您、穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴中心2025已更新(今日/推荐)








穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴电话区域:








澳门特别行政区








南京市(栖霞区、玄武区、秦淮区、高淳区、建邺区、溧水区、六合区、雨花台区、浦口区、江宁区、鼓楼区)








武威市(天祝藏族自治县、凉州区、民勤县、古浪县)








枣庄市(滕州市、峄城区、薛城区、山亭区、市中区、台儿庄区)  乌鲁木齐市(头屯河区、新市区、米东区、达坂城区、沙依巴克区、水磨沟区、乌鲁木齐县、天山区)








钦州市(钦北区、灵山县、钦南区、浦北县)








双鸭山市(尖山区、四方台区、宝清县、集贤县、岭东区、友谊县、饶河县、宝山区)








乌海市(海南区、海勃湾区、乌达区)滁州市(凤阳县、定远县、明光市、天长市、南谯区、来安县、琅琊区、全椒县)








百色市(靖西市、平果市、田林县、右江区、西林县、凌云县、隆林各族自治县、乐业县、那坡县、田东县、田阳区、德保县)  株洲市(芦淞区、醴陵市、天元区、渌口区、炎陵县、茶陵县、荷塘区、攸县、石峰区)








韶关市(曲江区、始兴县、翁源县、新丰县、乳源瑶族自治县、仁化县、乐昌市、南雄市、浈江区、武江区)








嘉兴市(平湖市、嘉善县、海宁市、秀洲区、南湖区、海盐县、桐乡市)








乐山市(五通桥区、金口河区、峨边彝族自治县、峨眉山市、夹江县、井研县、沐川县、犍为县、市中区、马边彝族自治县、沙湾区)西双版纳傣族自治州(勐腊县、景洪市、勐海县)








漯河市(郾城区、源汇区、舞阳县、临颍县、召陵区)








昭通市(水富市、盐津县、威信县、鲁甸县、永善县、昭阳区、彝良县、绥江县、大关县、巧家县、镇雄县)








大同市(左云县、云州区、阳高县、平城区、广灵县、云冈区、天镇县、浑源县、灵丘县、新荣区)








临汾市(吉县、大宁县、曲沃县、汾西县、霍州市、永和县、翼城县、乡宁县、蒲县、安泽县、隰县、洪洞县、襄汾县、浮山县、侯马市、古县、尧都区)








铜仁市(江口县、玉屏侗族自治县、思南县、沿河土家族自治县、德江县、万山区、松桃苗族自治县、印江土家族苗族自治县、石阡县、碧江区)








宝鸡市(渭滨区、陈仓区、太白县、凤县、陇县、麟游县、金台区、扶风县、千阳县、眉县、岐山县、凤翔区)








阜阳市(颍东区、太和县、颍州区、颍泉区、阜南县、颍上县、界首市、临泉县)








湖州市(德清县、长兴县、安吉县、吴兴区、南浔区)








大庆市(萨尔图区、肇源县、杜尔伯特蒙古族自治县、肇州县、龙凤区、红岗区、林甸县、让胡路区、大同区)








菏泽市(成武县、巨野县、定陶区、曹县、单县、郓城县、牡丹区、东明县、鄄城县)








天水市(武山县、麦积区、秦安县、张家川回族自治县、清水县、秦州区、甘谷县)








宜春市(靖安县、上高县、万载县、铜鼓县、宜丰县、袁州区、高安市、樟树市、奉新县、丰城市)








十堰市(竹溪县、房县、郧西县、郧阳区、竹山县、丹江口市、张湾区、茅箭区)








南昌市(新建区、西湖区、安义县、青云谱区、红谷滩区、进贤县、青山湖区、南昌县、东湖区)








甘孜藏族自治州(九龙县、稻城县、炉霍县、石渠县、色达县、乡城县、新龙县、得荣县、巴塘县、雅江县、甘孜县、白玉县、泸定县、康定市、理塘县、道孚县、丹巴县、德格县)








阳泉市(矿区、盂县、城区、郊区、平定县)

  【相关阅读】小米员工称平均工时12小时仍被约谈:有人被要求写说明反思  

  近日,有脉脉用户发帖称,小米要求员工日均工时不低于11.5小时,其中低于8小时需要提交说明,工时排名靠后的要被约谈,甚至劝退。“小米被曝要求员工日均工时不低于11.5小时”话题冲上热搜。

  据九派新闻,多位小米员工证实了这一情况。

  小米手机部门一员工表示,不同组情况不一样,日均工时要求低的组是10.5小时;有的组甚至要求日均14、15个小时,他们部门要求12.5小时,“但领导都是口头要求,不会留下痕迹。”

  小米上海一员工说道,他们部门确实要求平均11.5小时,就是9点上班、8点半下班。“我之前平均工时达到了12小时,还是因为排名靠后,被领导约谈了,”另一小米江苏员工表示。

  此外,请假也会影响日均工时,一个月只要请假一天,日均工时就不满8小时,需要额外加班去补回来。

  上述手机部门员工透露,小米这样查工时已经有一年多、近2年了,不知道为什么最近网上突然都开始讨论。

  工作时间不达标带来的影响是直接的。一位小米员工之前因工作时长低于10.5小时,被要求写说明——反思解释为什么平均工时不够。

  小米一北京员工称,如果工时排名靠后,会被领导约谈警告,不改就可能影响绩效考评。

  小米一外包员工提到,他们部门要求必须待满11个小时。而且不是平均,是今天不够11小时,明天就会被约谈。“如果经常不满11小时,外包员工随时可能被开除。”

  本报记者 熊 悦

  消费贷不良贷款转让规模水涨船高。近日,银行业信贷资产登记流转中心(以下简称“银登中心”)公布的2025年一季度不良贷款转让业务统计数据显示,今年一季度,不良贷款转让挂牌规模、成交金额(按未偿本息总额统计口径,下同)同比高增。其中,个人消费贷款不良贷款转让成交金额达268.2亿元,占当期个人不良贷款批量转让成交金额的七成以上。

  多位受访专家认为,近年来,银行业零售信贷不良生成风险压力整体有所上升。银行等机构在加大个人消费贷款投放力度,促进扩大内需时,应持续平衡好价格、规模、风险,实现业务可持续发展。

  消费贷不良成交额同比大增

  数据显示,今年一季度,不良贷款转让(包括个人不良贷款批量转让、单户对公不良贷款转让和对公不良资产批量转让)挂牌及成交金额同比高增。其中,不良贷款转让挂牌项目数为206单,金额为742.7亿元,分别同比增长139.53%、190.46%;成交规模相应攀升,不良贷款转让成交项目数为159单,金额为483亿元,分别同比增长140.91%、138.75%。

  具体到细分业务,个人不良贷款批量转让成交项目数及金额同比增长显著,其中,个人消费贷款不良贷款转让成交金额同比大增785.15%,占当期个人不良贷款批量转让成交金额的72.4%。

  银行等机构批量转让个人不良贷款的同时,个人不良贷款“卖不上价”的情况持续。今年一季度,个人不良贷款批量转让业务的平均折扣率(平均转让价格/平均未偿本息费)较上个季度下降0.7个百分点至4.1%,平均折扣率不足1折。

  受访专家分析认为,近年来,银行业零售信贷整体处于风险释放阶段,为维持较优的资产质量,银行等机构不良贷款处置的力度持续加大。

  机构需平衡好业务“量价险”

  当前银行零售业务整体承压的背景下,多数银行重点发力个人消费贷款,与此同时,部分银行的个人消费贷款不良贷款增长也较快,不良率出现上浮。

  以某国有大行为例,截至2024年末,该行个人消费贷款金额较2024年初增长28.3%至4211.95亿元,占该行个人贷款比例为1.5%,较2024年初提升0.2个百分点。同时,该行个人消费贷款不良率较2024年初增加1.05个百分点至2.39%,高于该行整体不良贷款率水平。

  中小银行方面,近日,渤海银行披露的2024年度报告显示,截至2024年末,该行个人消费类贷款金额为375.12万元,较年初下滑,但这类贷款的不良率却从年初的4.44%升至12.37%。

  上海金融与发展实验室首席专家、主任曾刚告诉《证券日报》记者,当前银行积极推动消费贷,此类业务实现快速增长进而拉动银行业绩,但背后也隐藏着值得注意的问题,包括过度扩张带来的信用风险不断聚集,利率“价格战”造成恶性竞争挤压盈利空间等。

  “需警惕消费贷款资金被滥用的可能性上升,如用于投资股票市场等,进而推高贷款机构的资产质量风险。”惠誉评级亚太区金融机构评级董事徐雯超对《证券日报》记者补充道。

  对此,受访专家认为,银行等机构应平衡好“量价险”(即规模、价格、风险)之间的关系,将个人消费贷款利率保持在合理水平,既加大对提振消费的支持力度,又维护良好的市场竞争秩序,保持业务可持续发展,构建“风险可控、质量优先、商业可持续”的发展范式。

  从消费贷利率定价层面而言,招联消费金融股份有限公司首席研究员董希淼在接受《证券日报》记者采访时表示,银行等机构应将消费贷款利率保持在合理水平,进而增强商业可持续性。总体而言,应坚持“保本微利”的原则,提高自主定价能力,针对不同客群来合理确定个人消费贷款的额度、利率、期限。

  “为了推动消费贷等个贷业务健康发展,银行在追求规模增长的同时,应时刻警惕风险积聚,守住质量底线。”曾刚表示,银行等机构后续还应重点做好以下几方面的工作:一是完善风险控制机制。信贷前端要坚持“穿透式”审查客户资信,杜绝“批量流水线”作业。要利用大数据和AI模型提升风险识别效率,但也需结合人工调查等传统手段,做到技术与经验协同。贷后管理要常态化,持续跟踪还款能力变化,对异常客户及时预警。二是加强资金流向与用途管控。银行要完善消费贷资金流向穿透式监测,依托技术手段掌握贷款实际用途,防范资金被违规挪用至高风险领域。三是推动业务创新和客户分层管理。银行应针对不同消费场景和客户需求,开发多样化、规范化的消费信贷产品。四是提升金融消费者教育,加强对消费者的金融知识普及和风险提示,树立良好还款观念,培育可持续的客户基础。

穿越火线女生去掉小内皮肤的方法|展览的视觉盛宴的相关文章 三星电机将向比亚迪供应汽车零部件的相关文章
我的存款已经足够下半辈子不吃不喝了
王者哪吒携手点亮双子塔
半熟4第五期cp冷静期
香港全款400万15平的小家
又有9家券商员工考上了公务员
薛之谦守村人实体专周边
江西超1500年树龄银杏树倒塌
华为申请注册华为玄甲商标
裴焕提出挑战林诗栋发球遮挡
为什么数码产品白色更贵
法拍房起拍 原房主是毒枭被执行死刑
原来小孩子没有腰是避谶
  • 友情链接:
  • 关税阴影下投资者正“逃离”美国 中央巡视组已进驻6省区 组长亮相 基因相似度0%意味着什么 车站回应“免费插座设3米高” 专家解读美对华关税最高可达245% 女子被宠物猫咬伤腿部溃烂 谷歌推出Veo2 生成8秒超逼真视频 淋巴瘤是最擅长伪装的肿瘤 《无忧渡》凭什么成为国产剧黑马 友人回应汪小菲子女仍在台北念书 香港全款400万15平的小家 关税阴影下投资者正“逃离”美国

    查看更多评价 ∨