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學習快評丨qibao666888　　只??(zhi)上??(shang)了??(le)五?(wu)節(jié)秘(jie)課??(ke)??，難?(nan)退??(tui)費??(fei)還??(hai)背??(bei)上??(shang)“消??(xiao)費??(fei)貸??(dai)”：揭??(jie)秘??(mi)“先??(xian)學??(xue)后??(hou)付??(fu)”層??(ceng)層?(ceng)套??(tao)路??(lu)　　針??(zhen)對??(dui)“先??(xian)學??(xue)后??(hou)付??(fu)”背??(bei)后??(hou)隱??(yin)藏??(zang)的??(de)“消??(xiao)費?(fei)貸??(dai)”陷??(xian)阱??(jing)??，受??(shou)訪??(fang)專??(zhuan)家??(jia)建??(jian)議??(yi)??，監(jiān)??(jian)管??(guan)部?(bu)門??(men)應(yīng)??(ying)強??(qiang)化??(hua)監(jiān)??(jian)管?(guan)執(zhí)??(zhi)法?(fa)??，明??(ming)確??(que)業(yè)?(ye)務(wù)??(wu)定??(ding)性??(xing)與??(yu)規(guī)??(gui)范?(fan)??，加??(jia)強??(qiang)多??(duo)部??(bu)門??(men)協(xié)?(xie)同??(tong)監(jiān)??(jian)管??(guan)??，加?(jia)大??(da)違??(wei)規(guī)??(gui)懲??(cheng)處??(chu)力??(li)度??(du)??，暢??(chang)通??(tong)投??(tou)訴?(su)舉??(ju)報??(bao)渠??(qu)道??(dao)；金??(jin)融??(rong)機??(ji)構(gòu)??(gou)需??(xu)嚴??(yan)格?(ge)貸??(dai)款??(kuan)管??(guan)理??(li)??，強??(qiang)化??(hua)貸??(dai)款??(kuan)資??(zi)質(zhì)??(zhi)審??(shen)核??(he)??，規(guī)??(gui)范??(fan)貸??(dai)款??(kuan)合??(he)同??(tong)條??(tiao)款??(kuan)??，加?(jia)強?(qiang)貸??(dai)后??(hou)資?(zi)金?(jin)監(jiān)??(jian)控??(kong)；培??(pei)訓(xùn)??(xun)機??(ji)構(gòu)??(gou)要??(yao)增??(zeng)強??(qiang)自??(zi)律??(lv)誠?(cheng)信??(xin)??，規(guī)??(gui)范??(fan)經(jīng)??(jing)營??(ying)行??(xing)為?(wei)??，建??(jian)立??(li)合?(he)理??(li)收??(shou)費??(fei)與?(yu)退??(tui)費?(fei)機??(ji)制??(zhi)??，加??(jia)強??(qiang)內(nèi)??(nei)部?(bu)管??(guan)理??(li)與??(yu)員??(yuan)工??(gong)培??(pei)訓(xùn)??(xun)；消??(xiao)費??(fei)者?(zhe)自?(zi)身??(shen)也??(ye)要??(yao)提?(ti)升??(sheng)自??(zi)我??(wo)保??(bao)護??(hu)意?(yi)識??(shi)??，理??(li)性??(xing)判??(pan)斷??(duan)謹??(jin)慎??(shen)選??(xuan)擇??(ze)??。??。