滦平| 通化县| 清水河| 交口| 乌马河| 明光| 五大连池| 龙江| 佛坪| 南部| 荥经| 额济纳旗| 汕头| 本溪市| 奈曼旗| 绥化| 石拐| 米泉| 贺兰| 兴隆| 乾县| 连云区| 洛川| 阿鲁科尔沁旗| 大渡口| 武川| 富顺| 路桥| 洋山港| 戚墅堰| 长宁| 虎林| 双江| 西吉| 亚东| 西和| 永善| 孝义| 威宁| 壤塘| 岚皋| 三明| 九江市| 新安| 乾安| 冠县| 肇州| 临猗| 枣强| 林甸| 社旗| 印台| 和龙| 普兰| 夏县| 沧州| 海城| 贾汪| 利川| 建始| 河源| 白沙| 万安| 泰兴| 秦安| 君山| 韩城| 中方| 施秉| 井陉| 达县| 孝义| 明溪| 博罗| 彭泽| 喜德| 丰都| 金阳| 卓资| 新兴| 民权| 新县| 通化市| 霍城| 凤县| 常熟| 邹平| 天池| 君山| 大通| 兴平| 若羌| 措美| 神农架林区| 清镇| 长海| 庆云| 兴安| 北辰| 陆河| 新邵| 大丰| 抚顺县| 唐海| 萧县| 西昌| 宣化县| 合浦| 高平| 巴塘| 伊宁市| 甘肃| 云溪| 平利| 花溪| 安达| 通海| 梨树| 鹰潭| 郎溪| 肇东| 临江| 万全| 常州| 久治| 清水河| 乡城| 崇州| 谷城| 简阳| 滦南| 沁水| 内蒙古| 武城| 莆田| 李沧| 合山| 安新| 平南| 措美| 宁明| 巴塘| 灵宝| 炎陵| 科尔沁右翼中旗| 全州| 绥棱| 巴彦| 花都| 霍邱| 莘县| 石龙| 睢宁| 南木林| 图木舒克| 友谊| 西和| 前郭尔罗斯| 望城| 怀来| 达孜| 盂县| 浦北| 黑山| 雁山| 惠农| 淅川| 蒙城| 勃利| 吉隆| 乌马河| 民丰| 阳谷| 朝天| 会宁| 大埔| 邗江| 辽宁| 罗甸| 晋中| 建湖| 连州| 桓仁| 大余| 武安| 金昌| 永泰| 南溪| 鄂托克前旗| 凤县| 梧州| 吉木萨尔| 曹县| 海林| 西峡| 永修| 东海| 嘉祥| 龙江| 平鲁| 清水| 科尔沁右翼前旗| 东兴| 永昌| 西林| 武昌| 米易| 户县| 郁南| 铜陵县| 苏州| 浮梁| 新津| 开远| 修水| 富源| 天全| 阿拉善左旗| 许昌| 长丰| 方正| 临淄| 涉县| 双江| 唐山| 习水| 蔚县| 张家口| 富源| 宜阳| 新县| 泗县| 黄平| 云林| 绥棱| 巴彦淖尔| 夏河| 莱阳| 巍山| 和龙| 霞浦| 曹县| 武穴| 东光| 桂东| 乐东| 祁门| 宁夏| 施甸| 张家口| 都兰| 涿鹿| 澄江| 巩留| 和布克塞尔| 牟定| 河津| 五华| 思南| 米林| 魏县| 城固| 卓尼|

西安小区高层停电物业发蜡烛 13岁女孩引发火灾

2019-09-16 23:23 来源:消费日报网

  西安小区高层停电物业发蜡烛 13岁女孩引发火灾

  PolandsRobertLewandowski(2ndL)attendsatrainingsessionaheadofthe2018RussiaWorldCup,inWarsaw,Poland,onJune11,2018.(Xinhua/MaciejGillert)PolandsRobertLewandowskiattendsatrainingsessionaheadofthe2018RussiaWorldCup,inWarsaw,Poland,onJune11,2018.(Xinhua/MaciejGillert)FrancesPaulPogba(1stL)attendsatrainingsessionaheadoftheRussia2018WorldCupinMoscow,Russia,June11,2018.(Xinhua/WuZhuang)FrancesOlivierGiroud(L)attendsatrainingsessionaheadoftheRussia2018WorldCupinMoscow,Russia,June11,2018.(Xinhua/WuZhuang)FrancesAntoineGriezmann(L)attendsatrainingsessionaheadoftheRussia2018WorldCupinMoscow,Russia,June11,2018.(Xinhua/WuZhuang)FrancesKylianMbappeattendsatrainingsessionaheadoftheRussia2018WorldCupinMoscow,Russia,June11,2018.(Xinhua/WuZhuang)FrancesPaulPogba(L)attendsatrainingsessionaheadoftheRussia2018WorldCupinMoscow,Russia,June11,2018.(Xinhua/WuZhuang)FrancesgoalkeeperHugoLlorisattendsatrainingsessionaheadoftheRussia2018WorldCupinMoscow,Russia,June11,2018.(Xinhua/WuZhuang)FrancesKylianMbappeattendsatrainingsessionaheadoftheRussia2018WorldCupinMoscow,Russia,June11,2018.(Xinhua/WuZhuang)FrancesKylianMbappe(R)attendsatrainingsessionaheadoftheRussia2018WorldCupinMoscow,Russia,June11,2018.(Xinhua/WuZhuang)FrancesplayersattendatrainingsessionaheadoftheRussia2018WorldCupinMoscow,Russia,June11,2018.(Xinhua/WuZhuang)AdamNawalka(C),headcoachofPoland,talkstotheplayersduringatrainingsessionaheadofthe2018RussiaWorldCup,inWarsaw,Poland,onJune11,2018.(Xinhua/MaciejGillert)PolandsRobertLewandowski(LFront)attendsatrainingsessionaheadofthe2018RussiaWorldCup,inWarsaw,Poland,onJune11,2018.(Xinhua/MaciejGillert)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)

SingaporeanPrimeMinisterLeeHsienLoong(R)meetswithKimJongUn,chairmanoftheWorkersPartyofKorea(WPK)andchairmanoftheStateAffairsCommissionoftheDemocraticPeoplesRepublicofKorea(DPRK),inSingapore,onJune10,2018.(Xinhua/ThenChihWey)SingaporeanPrimeMinisterLeeHsienLoong(R)shakeshandswithKimJongUn,chairmanoftheWorkersPartyofKorea(WPK)andchairmanoftheStateAffairsCommissionoftheDemocraticPeoplesRepublicofKorea(DPRK),inSingapore,onJune10,2018.(Xinhua/ThenChihWey)PhototakenonJune11,2018showstheKing’sTroopRoyalHorseArtilleryfireda41-gunsaluteinHydePark,London,tomarkPrincePhilips97thbirthday.(Photo/Agencies)PhototakenonJune11,2018showstheKing’sTroopRoyalHorseArtilleryfireda41-gunsaluteinHydePark,London,tomarkPrincePhilips97thbirthday.(Photo/Agencies)PhototakenonJune11,2018showstheKing’sTroopRoyalHorseArtilleryfireda41-gunsaluteinHydePark,London,tomarkPrincePhilips97thbirthday.(Photo/Agencies)

  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)sRepublicofKorea(DPRK)leaderKimJongUninSingaporeduringanewsprogram,atasquareinTokyo,Japan,June12,2018.(Photo/Agencies)sRepublicofKorea(DPRK)leaderKimJongUninSingaporeduringanewsprogramatabarinWashington,,June12,2018.(Photo/Agencies)PeoplewatchfromashoppingmallfoodcourtintheLsRepublicofKorea(DPRK)leaderKimJongUn,atarailwaystationinSeoul,SouthKorea,2018.(Photo/Agencies)sRepublicofKorea(DPRK)leaderKimJongUninSingaporeduringanewsprogramattheSeoulRailwayStationinSeoul,SouthKorea,June12,2018.(Photo/Agencies)EmployeesofaforeignexchangesRepublicofKorea(DPRK)leaderKimJongUn,inTokyo,Japan,June12,2018.(Photo/Agencies)sRepublicofKorea(DPRK)leaderKimJongUninSingaporeduringanewsprogramatasquareinTokyo,Japan,June12,2018.(Photo/Agencies)

  SouvenirsmadefortheDPRK-USAsummit,includinganotebookandafan,areseenattheInternationalMediaCenteratF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)SouvenirsmadefortheDPRK-USAsummit,includinganotebookandafan,areseenattheInternationalMediaCenteratF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)SouvenirsmadefortheDPRK-USAsummit,includinganotebookandafan,areseenattheInternationalMediaCenteratF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)SouvenirsmadefortheDPRK-USAsummit,includinganotebookandafan,areseenattheInternationalMediaCenteratF1PitBuildinginSingapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun),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,anditsancientwater-supplysy,WudangMountain,alsoknownasTaiheMountain,isbothafamousscenicspotandaholysiteofTaoism,Chinasindigenousreligion.(Photo/)anjiangkouincentralHubeiprovince,theWudangMountainsarehometoafamouscomplexofancientpalaces,periodofnearly1,,anannualeventputonbythespecialadministrativeregionsgovernment,sonSundaynight,(Photo:Xinhua/ZhangJinjia)’straditionalChinesedesign,itstandswitnesst’smissionaryroleintheFarEastwhilealso,formingthemostuniqueblendofculturalheritageexistinginChina’,,clairaudienceandtheJadeEmperorintheDazuRockCarvingsinChongqingmunicipality.(Photo/TheofficialWechataccountofDazuRockCarvings),,’,50,000statuesand100,000inscribedwithChinesecharacter,1999.

ContestantsperformintheChinaBodybuildingChampionshipsinTianjin,June7,,thechampions(Photo:ChinaNewsService/TongYu)ContestantsperformintheChinaBodybuildingChampionshipsinTianjin,June7,,thechampions(Photo:ChinaNewsService/TongYu)ContestantsperformintheChinaBodybuildingChampionshipsinTianjin,June7,,thechampions(Photo:ChinaNewsService/TongYu)ContestantsperformintheChinaBodybuildingChampionshipsinTianjin,June7,,thechampions(Photo:ChinaNewsService/TongYu)

  TheaerialphotoseriesofthecountrysideinSWChinasChongqingLiangpingdistrictwinsthefirstprizeatthe2018NationalYangtzeRiverPhotoCompetitionheldbytheOfficeoftheCentralCyberspaceAffairsCommission,theMinistryofEcologyandEnvironmentand1,,395participantsfromallwalksoflifeandtheirworksreflectedthenaturalbeautyandpeopleslifealongtheriver.(Photo/ChinaDaily)TheaerialphotoseriesofthecountrysideinSWChinasChongqingLiangpingdistrictwinsthefirstprizeatthe2018NationalYangtzeRiverPhotoCompetitionheldbytheOfficeoftheCentralCyberspaceAffairsCommission,theMinistryofEcologyandEnvironmentand1,,395participantsfromallwalksoflifeandtheirworksreflectedthenaturalbeautyandpeopleslifealongtheriver.(Photo/ChinaDaily)TheaerialphotoseriesofthecountrysideinSWChinasChongqingLiangpingdistrictwinsthefirstprizeatthe2018NationalYangtzeRiverPhotoCompetitionheldbytheOfficeoftheCentralCyberspaceAffairsCommission,theMinistryofEcologyandEnvironmentand1,,395participantsfromallwalksoflifeandtheirworksreflectedthenaturalbeautyandpeopleslifealongtheriver.(Photo/ChinaDaily)TheaerialphotoseriesofthecountrysideinSWChinasChongqingLiangpingdistrictwinsthefirstprizeatthe2018NationalYangtzeRiverPhotoCompetitionheldbytheOfficeoftheCentralCyberspaceAffairsCommission,theMinistryofEcologyandEnvironmentand1,,395participantsfromallwalksoflifeandtheirworksreflectedthenaturalbeautyandpeopleslifealongtheriver.(Photo/ChinaDaily)

  FormerprofessionalfootballstarDavidBeckhamplayscuju,knownastheoriginofmodernfootball,attheBengbuAncientBuildingsExpoParkaheadofthe2018G-EXPOGlobalTopSummitinBengbuCity,EastChina’sAnhuiProvince,June6,2018.(Photo:ChinaNewsService/ZhongXin)FormerprofessionalfootballstarDavidBeckhamplayscuju,knownastheoriginofmodernfootball,attheBengbuAncientBuildingsExpoParkaheadofthe2018G-EXPOGlobalTopSummitinBengbuCity,EastChina’sAnhuiProvince,June6,2018.(Photo:ChinaNewsService/ZhongXin)PhototakenonJune10,2018showsagiantpandabornlastyearattheChinaConservationandResearchCenterfortheGiantPandaplaysonasunnyday.(Photo:ChinaNewsService/AnYuan)PhototakenonJune10,2018showsagiantpandabornthisyearattheChinaConservationandResearchCenterfortheGiantPandaplaysonasunnyday.(Photo:ChinaNewsService/AnYuan)PhototakenonJune10,2018showsagiantpandabornthisyearattheChinaConservationandResearchCenterfortheGiantPandaplaysonasunnyday.(Photo:ChinaNewsService/AnYuan)PhototakenonJune10,2018showsagiantpandabornthisyearattheChinaConservationandResearchCenterfortheGiantPandaplaysonasunnyday.(Photo:ChinaNewsService/AnYuan)PhototakenonJune10,2018showsagiantpandabornthisyearattheChinaConservationandResearchCenterfortheGiantPandaplaysonasunnyday.(Photo:ChinaNewsService/AnYuan)PhototakenonJune10,2018showsagiantpandabornthisyearattheChinaConservationandResearchCenterfortheGiantPandaplaysonasunnyday.(Photo:ChinaNewsService/AnYuan)PhototakenonJune10,2018showsagiantpandabornthisyearattheChinaConservationandResearchCenterfortheGiantPandaplaysonasunnyday.(Photo:ChinaNewsService/AnYuan)PhototakenonJune10,2018showsgiantpandasbornthisyearattheChinaConservationandResearchCenterfortheGiantPandaplayonasunnyday.(Photo:ChinaNewsService/AnYuan)

  sMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)TherequirementoftheroyalsletBeijingembroideryblossomintheMingandQingdynasties(1368-1911)sinceitwasbornintheTangDynasty(618-907).Anditgotanothername,royalembroidery,inancientChina,Beijingembroiderywasfollowedbymanycommonworkshops,becomingoneofthe"EightWondersofYanjing",sMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)TherequirementoftheroyalsletBeijingembroideryblossomintheMingandQingdynasties(1368-1911)sinceitwasbornintheTangDynasty(618-907).Anditgotanothername,royalembroidery,inancientChina,Beijingembroiderywasfollowedbymanycommonworkshops,becomingoneofthe"EightWondersofYanjing",sMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)Comparedtoothertraditionalembroideries,suchastheworksfromSuzhouandHunan,Beijingembroideryisknownforitsrichhuedcolors,,,thecraftswerelistedasanationalintangibleculturalheritage,,sMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)Thefounder,YuDan,broughtherworks,aseriesoffineclothesdazzlingwithBeijingembroiderytoashowatthePrinceKung,fromtoddlerstoyoungwomentoagedcouples,sdailylifeinformsofmoderndesign,sMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)Thedesigneraddedlighthuesintheseries,includingpaleblueandlightpink,tomaketheclothesmoresuitablefordailywear."Basedonthetraditionalcrafts,wealsocreatesomenewpatterns,,lilyflowerwasnotincluded,butnowweuseitonmanyofourclothes,",sMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)"Theseclientsdontthinktheyhaveenoughconfidencetowearsuchclotheswithpowerfulanimalpattern,",YuestabsMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)sMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)sMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)sMansioninBeijing,June8,"SplendidChina:ChinaIntangibleCulturalHeritageFashionShow",oneactivityofthe2018CulturalandNaturalHeritageDay.(Photo/ChinaDaily)

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  Special:PresidentXiJinpingsaidonSundaythatbroadconsensushadbeenreachedatthe18thShanghaiCooperationOrganizationSummitasleadersendtyonLong-TermGood-Neighborliness,FriendshipandCooperationoftheSCOMemberStates,acooperationprogramtocombatterrorism,separatismandextremism,ityandenvironmentalprotection,andamemorandoperationinsectorsincludingbusiness,customs,,Xisaidatamediabriefingthatallpartieshadagreedtoincreaseunityandcooperationanddeepenthepartnershipthatadvocatespeaceandreform,equaltreatment,openness,,deputysecretary-generaloftheSCO,saidtheQingdammit,PotapenkosaidtheSCOSecretariathadalsoheededmanygoodproposalsfromtheleadersofmembercountries."Inthenextstep,itisourjobtoseethemthrough,",,comprehensive,nceandjointactions."Withtheglobaleconomyfacedwithdifficultiesandsetbacksinitsrecoveryandwithfrequentfront-burnerissuesregionallyandinternationally,nocountrycancopealoneorstandunscathed,"fWTOrules,consolidatetheopen,inclusive,transparent,nondiscriminatoryandrules-basedmultilateraltradesystem,ntstrategieswillalsobereinforced,andcooperationinsectorsincludingbusiness,investment,finance,connectivityandagriculturewillbeenhancedtopromotetradeandinvestmentfacilitationandinjectnewmomentumintotheworldeconomy,ilateralcooperationinareasincludingculture,education,scienceandtechnology,environmentalprotection,health,tourism,youth,mediaandsphangeandcooperationfortheSCO,andallpartiesarewillingtodeepencooperationwithobserverstateanddialoguepartners,aswellasdialogueandexchangeswithUNandotherinternationalorregionalorganizations.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)

  

  西安小区高层停电物业发蜡烛 13岁女孩引发火灾

 
责编:
P2P金融 (经济术语)

P2P金融又叫P2P信贷,是互联网金融(ITFIN)的一种。意思是:点对点。P2P金融指不同的网络节点之间的小额借贷交易(一般指个人),需要借助电子商务专业网络平台帮助借贷双方确立借贷关系并完成相关交易手续。借款者可自行发布借款信息,包括金额、利息、还款方式和时间,自行决定借出金额实现自助式借款。2015年全国P2P网贷成交额突破万亿,达到11805.65亿,同比增长258.62%;历史累计成交额16312.15亿元。

中文名
P2P网络借贷
外文名
peer-to-peer lending
起 ? ?源
2005年英国
代 ? ?表
Zopa(英国)

1起源

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2006年度诺贝尔和平奖得主尤努斯博士认为现代经济理论在解释和解决贫困方面存在缺陷,为此他于1983年创建了格莱珉银行,通过开展无抵押的小额信贷业务和一系列的金融创新机制,不仅创造了利润,而且还使成千上万的穷人尤其是妇女摆脱了贫困,使扶贫者与被扶贫者达到双赢。格莱珉银行已成为100多个国家的效仿对象和盈利兼顾公益的标杆。

创办以来,格莱珉的小额贷款已经帮助了630万名借款人(间接影响到3150万人),其中超过一半脱贫。而且格莱珉银行自1983年创办以来,除了创办当年及1991年至1992年两个水灾特别严重的年头外,一直保持赢利,2005年的赢利达1521万美元。同时,格莱珉银行不仅提供小额贷款,而且也鼓励小额存款,并通过格莱珉银行将这些存款发放给其他需要贷款的人。

这一模式就是最初的P2P金融雏形。

主要分为两种模式,基于电子商务的网络P2P金融和传统线下的P2P金融。

2发展

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国外发展

2005年11月,美国PROSPER将这一思想进一步提炼和创新,创办了PROSPER网络小额贷款平台,让资金富余者通过PROSPER向需要借款的人提供贷款,并收取一定利息。从2006年2月上线到2019-09-16,经由PROSPER的借贷金额共计约合12.5亿人民币,超过3个月的逾期还款率仅为2.83%。2019-09-16,美国PROSPER宣布已完成了1470万美元的第四轮融资。至此,PROSPER的总融资金额已达到5770万美元。

PROSPER在本土的主要竞争对手LENDING CLUB也再融资2450万美元。至此,LENDING CLUB在前三轮融资共所获注资总额也已达5270万美元。除了PROSPER,2005年3月在英国伦敦开始运营一家名为ZOPA的网站同样是目前最热门的P2P网络金融平台之一。

这些网络P2P金融平台的成功让P2P金融真正开始在世界范围内获得认可和发展。

国内发展

在相当长一段时间内,中国小微企业的融资需求始终无法从银行等间接融资渠道中得到满足,这也为国内P2P金融平台发展提供了空间;几年时间内,中国P2P金融从无到有,并展现出强劲的发展后劲,甚至令国外机构直言要来“中国取经”。

P2P金融在国内发展初具雏形,但并无明确的立法,国内小额信贷主要靠“中国小额信贷联盟”主持工作。可参考的合法性依据,主要是“全国互联网贷款纠纷第一案或现 结果阿里小贷胜出”。 随着网络的发展,社会的进步,此种金融服务的正规性与合法性会逐步加强,在有效的监管下发挥网络技术优势,实现普惠金融的理想。

发展至今由P2P的概念已经衍生出了很多模式。中国的网络借贷平台已经超过2000家,

平台的模式各有不同,归纳起来主要有以下三类:

一、担保机构担保交易模式,这也是最安全的P2P模式。

此类平台作为中介,平台不吸储,不放贷,只提供金融信息服务,由合作的小贷公司和担保机构提供双重担保。此类平台的交易模式多为“1对多”,即一笔借款需求由多个投资人投资。

此种模式的优势是可以保证投资人的资金安全,由国内大型担保机构联合担保,如果遇到坏账,担保机构会在拖延还款的第二日把本金和利息及时打到投资人账户。

二、“P2P平台下的债权合同转让模式”的模式。

可以称之为“多对多”模式,借款需求和投资都是打散组合的,甚至有由最大债权人将资金出借给借款人,然后获取债权对其分割,通过债权转让形式将债权转移给其他投资人,获得借贷资金。

三、以交易参数为基点,结合O2O(ONLINE TO OFFLINE,将线下商务的机会与互联网结合)的综合交易模式。

这种小贷模式创建的P2P小额贷款业务凭借其客户资源、电商交易数据及产品结构占得优势,其线下成立的两家小额贷款公司对其平台客户进行服务。线下商务的机会与互联网结合在了一起,让互联网成为线下交易的前台。

四、P2P平台模式下的保本保息的模式?错误概念!

国务院法制办公布《网络借贷信息中介机构业务活动管理暂行办法(征求意见稿)》,出台网贷平台的12项禁止行为。其中规定:P2P网贷平台不能自融,不能做资金池归集资金,不能提供担保或承诺保本保息。

五、微信金融模式 随着互联网金融和移动互联网的迅猛发展,两者的结合产品也开始出现,目前在微信平台已经出现了一些P2P产品。 “快速、高效、移动化、无空间限制”等等优势,决定了闪电借款模式的成功,且微信金融在风控上有自己完整的体系,第一是完备的信息管理和大数据风控,借款者除了必须认证个人金融信息,包括个人银行卡和信用卡等, 还会考察社交关系。第二是用短期小额来分散风险。

据统计,2015年网贷行业问题平台数量为894家,行业累计问题平台数量为1253家,而目前行业正常运营平台数为1962家,P2P行业淘汰率为39%。

值得注意的是,2015年新增平台数为1140家,仅比问题平台数多246家,而11月、12月问题平台数开始超过新增平台数。正常运营平台数量触碰到“天花板”,出现降温迹象,这也意味着网贷行业将进入存量淘汰阶段。

具体来看,2015年10月份曾创下年内问题平台数新低,但11月、12月问题平台数又出现激增,逼近年内高点。而2014年问题平台数量仅为273家,1年时间数量暴增2倍多。

3区分P2P与P2I

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P2P金融指个人与个人间的小额借贷交易,一般需要借助电子商务专业网络平台帮助借贷双方确立借贷关系并完成相关交易手续。借款者可自行发布借款信息,包括金额、利息、还款方式和时间,自行决定借出金额实现自助式借款。

P2I金融指个人与产业链间的互联网金融模式,是通过垫资方代理采购或代理销售的创新交易模式,将互联网金融与塑料产业链深度融合的综合性服务,为塑料上下游企业提供电子化、模式化的信息、交易、融资、结算、仓储、物流等综合服务,助力塑料行业客户实现信息流、商流、资金流、物流的四流合一,从而加快货物和资金流转速度,提高交易效率,降低交易成本和交易风险。

4投资理财

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在国内P2P平台争相和小贷、担保公司结盟获取借款项目来源时,专注于纯线上模式则广泛布局在消费金融领域.

在央行最新报告中发现,全国居民储蓄总额约为43万亿人民币,人均3万元。每人3万元储蓄的中位数估计全中国60%的人是很难达到的,但是对于一个普通家庭而言,一家几口3万元的存款还是有的。

这个钱有的是存在那里以备不时之需的,比如老人生病、孩子上学这种情况下用的,不能动;有的就很简单,存了一年下来有三万元了,并且还在继续努力的存钱,这部分钱就应该用来投资产生收益。巴菲特所谓复利滚雪球的理念深入人心,可是怎么让雪球越滚越大而不是越滚越小,这个事情在全球都是不容易的一件事情。

P2P模式撮合的是个人与企业的借贷。专家认为,P2P互联网小微金融模式的优势是面向具有还款能力和还款意愿的优质中小企业。

解决了投资者投资信息不对称、投资起点高、投资风险高的问题;同时解决了中小企业融资难、融资时间长的问题。结构化设计理念,让专业的机构做专业的事,一方面利用互联网实现信息对称、实现资源高效利用,帮助广大中小企业“速效”融资;

另一方面,引入线下金融担保机构的多担保合作体系,从根本上解决了互联网金融(ITFIN)风控诚信的原则性问题;同时,在融资过程中实现去媒化,剥离诸多中间环节,实现投资者直接获利,年化收益率上对投资者有着极高的吸引力。 P2P模式,有效整合各角色的参与度,高度发挥各自优势,并让投资者的收益最大化,从而实现多方共赢。

P2P平台主要存在两大问题,一是预期投资回报率过高,而实体经济却难以维持业绩并导致运营平台的资金链断裂;二是针对雨后春笋般四处开花的P2P,既没有门槛,政府也缺乏统一的征信平台。现在的P2P就像传统借贷行业银行,也可以分为直接融资和间接融资。在直接融资方面,P2P平台仅充当信息披露角色,帮助资金供求双方进行更高效的匹配,而不涉及资金运作,也不参与担保;但是在间接融资方面,P2P平台充当了以往商业银行金融中介的职能,负责从一方接入并向资金需求方提供实质资金,在这种情况下P2P就担当了资金转让与风险中介的角色。对于直接融资性质的P2P平台,更需要的是借款一方的征信数据;而对于间接融资P2P,由于其担当的是小额放贷机构的角色,甚至与非法集资只有一线之隔。而资金提供方此时的出资就好比是给一个放贷机构提供贷款,因此就不得不考虑该机构的信用程度。此时不仅仅需要资金需求方即实体企业的征信数据,P2P公司的信用数据也是必需的。

5积极意义

编辑本段 回目录

在眼下中国P2P金融行业仍受网贷“跑路”事件影响之际,有更多市场迹象表明,P2P正成为中国金融业内一股不可忽视的力量,其展现出的市场发展潜力甚至令国际市场刮目相看。

P2P金融模式自诞生以来,从欧美迅速扩展,在世界范围内得到广泛应用发展。这种模式有以下几个方面的积极意义:

第一,有闲散资金的投资人能够通过P2P金融信息服务平台找到并甄别资质好的有资金需求的企业主,获得比存款到银行更高的收益;

第二,有资金需求的企业主在P2P金融信息服务平台仅靠点击鼠标输入相关信息就可完成借款申请、查看进度以及归还借款等操作,极大提高了企业主的融资效率;

第三,对政府相关部门来说,这种模式都是网上公开进行的,所有平台交易数据随时透明可查,在利息税收和借贷利率方面更能轻松监控和监管;

第四,对社会来说,这种模式提高了资金利用率,遏制了高利贷的滋生和蔓延,有利于经济发展和社会稳定。

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参考资料

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