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车讯:用数据说话 豪华中大型SUV在欧销售火爆

2019-05-26 09:30 来源:大河网

  车讯:用数据说话 豪华中大型SUV在欧销售火爆

  PandasshowofftheirsoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)Asthe2018FIFAWorldCupapproaches,letsseehowgiantpandasinSWChinasSichuanarepreparingforthebigevent!PandasshowofftheirsoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)PandasshowofftheirsoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)ApandashowsoffitssoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)PandasshowofftheirsoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)ApandashowsoffitssoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)ApandashowsoffitssoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)ApandashowsoffitssoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)ApandashowsoffitssoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)ApandashowsoffitssoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)ApandashowsoffitssoccerskillsattheChinaConservationandResearchCenterforGiantPandainSouthwestChinasSichuanProvinceonJune10aheadoftheFIFAWorldCup.(Photo/CourtesyoftheChinaConservationandResearchCenterforGiantPanda)AsoldierfromtheGurkhaunitisondutytoensurethesecurityfortheupcomingTrump-KimsummitinSingaporeonSunday.(Photo:YangSheng/GT)(Photo:YangSheng/GT)DPRKleadune12attheCapellaHotelonSentosaIsland,(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)PolicegatheroutsidetheIstana,theofficialresidenceandofficeofthePresidentofSingaporeonSunday.(Photo:YangSheng/GT)

AnaerialviewofacolorfulsaltlakeinYuncheng,ShanxiProvince,June6,,thesaltlake,knownasChinas"DeadSea",displaysdifferentcolorsasaresultofmicroorganismsinthewater.(Photo/IC)AnaerialviewofacolorfulsaltlakeinYuncheng,ShanxiProvince,June6,,thesaltlake,knownasChinas"DeadSea",displaysdifferentcolorsasaresultofmicroorganismsinthewater.(Photo/IC)AnaerialviewofacolorfulsaltlakeinYuncheng,ShanxiProvince,June6,,thesaltlake,knownasChinas"DeadSea",displaysdifferentcolorsasaresultofmicroorganismsinthewater.(Photo/IC)FormerprofessionalfootballstarDavidBeckhamplayscuju,knownastheoriginofmodernfootball,attheBengbuAncientBuildingsExpoParkaheadofthe2018G-EXPOGlobalTopSummitinBengbuCity,EastChina’sAnhuiProvince,June6,2018.(Photo:ChinaNewsService/ZhongXin)FormerprofessionalfootballstarDavidBeckhamplayscuju,knownastheoriginofmodernfootball,attheBengbuAncientBuildingsExpoParkaheadofthe2018G-EXPOGlobalTopSummitinBengbuCity,EastChina’sAnhuiProvince,June6,2018.(Photo:ChinaNewsService/ZhongXin)

  AsoldierfromtheGurkhaunitisondutytoensurethesecurityfortheupcomingTrump-KimsummitinSingaporeonSunday.(Photo:YangSheng/GT)(Photo:YangSheng/GT)DPRKleadune12attheCapellaHotelonSentosaIsland,(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)(Photo:YangSheng/GT)PolicegatheroutsidetheIstana,theofficialresidenceandofficeofthePresidentofSingaporeonSunday.(Photo:YangSheng/GT)ChinesePresidentXiJinping(6thR,front)posesforagroupphotowithotherleadersandguestsaheadofthe18thMeetingoftheCouncilofHeadsofMemberStatesoftheShanghaiCooperationOrganization(SCO)inQingdao,eastChinasShandongProvince,June10,(Xinhua/GaoJie)ChinesePresidentXiJinpingchairsthe18thMeetingoftheCouncilofHeadsofMemberStatesoftheShanghaiCooperationOrganization(SCO)inQingdao,eastChinasShandongProvince,June10,(Xinhua/LiXueren)ChinesePresidentXiJinpingchairsthe18thMeetingoftheCouncilofHeadsofMemberStatesoftheShanghaiCooperationOrganization(SCO)inQingdao,eastChinasShandongProvince,June10,(Xinhua/LiXueren)The18thMeetingoftheCouncilofHeadsofMemberStatesoftheShanghaiCooperationOrganization(SCO)isheldinQingdao,eastChinasShandongProvince,June10,(Xinhua/DingLin)XiJinping,presidentofChinathatholdstherotatingpresidencyoftheShanghaiCooperationOrganization(SCO),addressesajointpressconferenceattheSCOsummitinQingdao,eastChinasShandongProvince,June10,,KazakhPresidentNursultanNazarbayev,KyrgyzPresidentSooronbayJeenbekov,PakistaniPresidentMamnoonHussain,RussianPresidentVladimirPutin,TajikPresidentEmomaliRahmonandUzbekPresidentShavkatMirziyoyevalsoattendedthepressconference.(Xinhua/YanYan)

  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)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)

VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)

  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)

  VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)VolunteersworkatthepresscenteroftheShanghaiCooperationOrganizationQingdaoSummitinQingdaoCity,EastChina’sShandongProvince,June7,alistsfromhomeandabroadatthepresscenter.(Photo/VCG)MaritimepersonneluseadronetopatrolontheHongzeLakeinHuaianofeastChinasJiangsuProvince,May15,,unmannedaerialvehicles(UAVs),es,includingaerialphotography,cropmonitoring,rescuing,,butalsobroadenstheimaginationofChinesepeopletowardsthecomingfuture.(Xinhua/ChenLiang)AnagriculturaldroneworksinthefieldsinBeiguanVillage,LinzhangTownshipofnorthChinasHebeiProvince,April19,,unmannedaerialvehicles(UAVs),es,includingaerialphotography,cropmonitoring,rescuing,,butalsobroadenstheimaginationofChinesepeopletowardsthecomingfuture.(Xinhua/HuGaolei)AnagriculturaldronespraysintherapeseedfieldsinGulingVillage,JiujiangofeastChinasJiangxiProvince,March21,,unmannedaerialvehicles(UAVs),es,includingaerialphotography,cropmonitoring,rescuing,,butalsobroadenstheimaginationofChinesepeopletowardsthecomingfuture.(Xinhua/FuJianbin)Adronedeliversvegetablefromamodernagriculturalparktoane-commercewarehouseinWugongCountyofnorthwestChinasShaanxiProvince,April22,,unmannedaerialvehicles(UAVs),es,includingaerialphotography,cropmonitoring,rescuing,,butalsobroadenstheimaginationofChinesepeopletowardsthecomingfuture.(Xinhua/LiYibo)Arescuedronecapableofbroadcastingandissuingwarnings,patrolsaboveabeachareainSanyaofsouthChinasHainanProvince,May30,,unmannedaerialvehicles(UAVs),es,includingaerialphotography,cropmonitoring,rescuing,,butalsobroadenstheimaginationofChinesepeopletowardsthecomingfuture.(Xinhua/ShaXiaofeng)Visitorswatchademonstrationofadronetakingpicturesduringthe20thChinaBeijingInternationalHigh-techExpo,inBeijing,capitalofChina,June8,,unmannedaerialvehicles(UAVs),es,includingaerialphotography,cropmonitoring,rescuing,,butalsobroadenstheimaginationofChinesepeopletowardsthecomingfuture.(Xinhua/JuHuanzong)AfarmeroperatesadroneforfarmworkinthefieldsinZiboofeastChinasShandongProvince,March14,,unmannedaerialvehicles(UAVs),es,includingaerialphotography,cropmonitoring,rescuing,,butalsobroadenstheimaginationofChinesepeopletowardsthecomingfuture.(Xinhua/CuiLilai)

  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)

  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,reviewsandrecordingsAteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,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)

  AwomanisseenatGhandrukvillageofKaskidistrictinNepal,June6,2018.(Xinhua/SunilSharma)MulescarryingemptygascylindersproceedtowardsGhandrukvillagefromChhomrongvillageofKaskidistrictinNepal,June6,2018.(Xinhua/SunilSharma)PeoplecarryironnetsusedforconstructionatChhomrongvillageofKaskidistrictinNepal,June6,2018.(Xinhua/SunilSharma)AmanworksinthefieldatChhomrongvillageofKaskidistrictinNepal,June6,2018.(Xinhua/SunilSharma)LocalscutthehairofsheepatChhomrongvillageofKaskidistrictinNepal,June6,2018.(Xinhua/SunilSharma)

  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)AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)

  

  车讯:用数据说话 豪华中大型SUV在欧销售火爆

 
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  • 银行私售产品案件频发屡禁不止 广州实施"双录"
    南方都市报2019-05-26 10:12
    分享到:

    (原标题:“双录”出鞘 围堵“飞单”)

    最近一起数十亿理财产品造假案再次把银行员工私售“飞单”产品推上了风口浪尖。为了防止“飞单”,银监会早在3月30日就向银行下发了《关于开展销售专区“双录”实施情况专项评估检查的通知》(47号文),决定对银行销售专区“双录”实施情况开展专项评估检查。

    据南都记者了解,上海银监局已逐步开始实施“双录”,进一步规范银行理财市场。昨日,专项检查组到达民生银行上海分行,“去了三四家网点。”一名民生银行内部人士称。而广东银监局早就从2015年开始,在广东地区的银行对“双录”进行试点。

    银行私售“飞单”案件频发

    曾经频发的“飞单”问题,如今大有卷土重来之势。特别是今年以来,据南都记者不完全统计,各地银监局针对私售“飞单”产品就披露了44张罚单,处罚金额924万。

    其中,仅平安银行一家就收到了天津银监局开出的15张罚单。不仅如此,在2016年平安银行共计查处8件“私售事件”,涉及6家分行,金额超过1000万元,涉及人数10人,有8名员工受到平安银行的红牌处罚。

    而就在不久前,民生银行北京航天桥支行行长张颖被曝出理财产品造假案,涉及金额数十亿元,成为业内第一大“飞单”。这也不是民生银行首次出现私售“飞单”事件,在4月28日,上海银监局就对民生银行上海多家支行2012年的员工私售行为开出了4张罚单,罚款金额155万。

    为了有效减少“飞单”,监管机构多次出台相关政策规范银行理财产品和代销产品的销售。针对银行代销产品,银监会于去年5月专门向各家银行下发了《关于规范商业银行代理销售业务的通知》。

    今年3月30日,银监会又向银行下发了47号文,为规范银行自有理财及代销业务行为,有效治理误导销售、私售“飞单”等问题,决定对银行销售专区“双录”实施情况开展专项评估检查。

    据47号文显示,相关检查将在5月底上报至银监会消费者权益保护局,评估检查将采取座谈汇报、调阅资料、现场检查等方法,采取定性考核方式,考核结果将分为优秀、合格、不合格三个等级。

    “检查结果都是事后出具的”,前述民生银行人士介绍称,“双录”的实施效果是很明显的,对银行、对客户都是保护,近期的“飞单”事件较之以前已明显减少。

    而广东银监局早在2015年就开始在辖内13163个银行网点全部启动“双录”试点。某股份制银行广州大道中支行的理财经理昨天向南都记者表示,现在理财经理在网点销售理财产品或者代销保险产品都需要进行录音录像,很早以前广东地区就试点“双录”,从今年4月1日开始全面实施。

    “飞单”为何屡禁不止?

    近年来,我国银行理财资金额不断增长。今年3月2日,银监会主席郭树清在国务院新闻办举行的新闻发布会上介绍,截至去年年底,全国银行业理财资金接近30万亿元,2016年为客户创造收益9773亿元。

    一方面是理财资金屡创新高,另一方面银行的管理、内控却未能及时跟上。尽管监管三令五申,然而“飞单”仍屡禁不止。

    “其实我们在做产品销售的时候,偶尔也会私下接触私人银行的理财师,希望他们能够做产品的推介”,广州一家新锐私募机构的机构渠道人士近日向南都记者表示。

    一般来说,私募产品的代销主要有两种合规的操作方式,其一是委托有资质的第三方财富管理公司进行产品销售,其二是银行代销,主要是在私人银行部。

    为何可以通过正规渠道进行银行代销却要私下接触私银理财师?该人士对此表示,私募产品如果走合规的流程,需要从合作分行一直报送至总行层级审批,通过后方可进行代销,流程长且费率相对较高。

    据该人士透露,如果能与私银理财师达成合作,理财师常常通过微信、朋友圈或者其他非网点的渠道进行简单的产品推荐,吸引客户兴趣,随之私银理财师将有意向的客户转接给私募的销售经理。之所以选择这样的操作方式,为的是降低被发现、被投诉的风险。

    对于通过微信、朋友圈等渠道进行简单介绍产品这种到底算不算飞单,某上市股份行上海某基层网点副行长向南都记者表示:“这种不能算飞单”。

    上述副行长解释,微信、朋友圈并不是银行平台,这种行为属于个人行为,“板子打到银行身上银行肯定不认的。”在该人士看来,这类违规行为其实很难被抓住,“现在又没有哪条规定说不能发朋友圈,而且还有屏蔽功能,银行管理人员怎么看得到。”该人士称其所在银行尚未处理过这类违规。

    但是某股份制银行广州分行财富管理部负责人则表示,通过微信、朋友圈等渠道销售非银行的理财产品是属于严重违规行为,一旦被发现,不管是否涉及收受利益,都会进行开除,并记入档案,保留追索权。如果造成严重后果的,还会移送司法机关进行调查处理。

    该负责人还介绍,“为了防止理财经理私售飞单,我们银行每个月都会进行事前事中的培训教育,以及对业务进行检查,包括通过随机抽查一定比例的录音录像等方式来检查员工是否出现销售非本行理财产品的情况。”

    “但并不是说执行双录后,银行就不会再出现飞单事件,双录只是能减少网点范围内的飞单”,上述负责人表示,如果出了网点或者即使在网点内,也可能出现飞单的情况,最主要的还是要加强银行理财经理的思想教育,加强事中监控,事后检查。

    稿源: 南方都市报)
    作者: 田姣 孙铭蔚 吴梦姗 )
    编辑: 曲晨辰
    转播到腾讯微博
     
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