zhongguomeikuangwengongtuanchengliyu1947niandongbeijiefangqu，shiguojiajiyishuyuantuanzhonglishizuiyoujiudedanweizhiyi。2005nian，jiaguale“zhongguoanquanshengchanyishutuan”depaizi。2018nian9yue，zhuanlidaowenhuahelvyoubu。

　　jujieshao，genjuqixiangjianceqingkuang，jinnian4yuexiaxunyilai，quanshengpingjunjiangshuiliang26.6haomi，jiaochangniantongqipianshao75%，jiezhi6yue13ri，dabufendiqulianxuwuyouxiaojiangshuirishuchao60tian，zhengzhoudeng10gedishizai70tianyishang；pingjunqiwen23.2du，jiaochangniantongqipiangao1.8du。￡劲￠【§杰§】^*^ゃ　　三是风险管理能力较弱。中小银行内控制度相对薄弱，缺少风险管理人才，风险管理技术和工具不足，导致中小银行在风险识别和预警反应等方面较为落后。此外，部分中小银行为了追求利润，偏离存贷主业，盲目拓展业务，负债端依赖短期同业负债，通过资产端期限错配到投资业务中，加剧了流动性风险。2023年半年报数据显示，上市中小银行贷款占总资产比重的平均值（53.7%）显著低于国有大行及股份行的平均水平（57.5%）。

　(　)　(　)<(<)s(s)t(t)r(r)o(o)n(n)g(g)>(>)Z(Z)h(h)a(a)n(n)g(g) ( )X(X)i(i)a(a)o(o)g(g)a(a)n(n)g(g)：(：)&(&)n(n)b(b)s(s)p(p);(;)<(<)/(/)s(s)t(t)r(r)o(o)n(n)g(g)>(>)T(T)a(a)i(i)w(w)a(a)n(n) ( )i(i)s(s) ( )C(C)h(h)i(i)n(n)a(a)’(’)s(s) ( )T(T)a(a)i(i)w(w)a(a)n(n)。(。) ( )T(T)h(h)e(e) ( )T(T)a(a)i(i)w(w)a(a)n(n) ( )q(q)u(u)e(e)s(s)t(t)i(i)o(o)n(n) ( )i(i)s(s) ( )a(a)t(t) ( )t(t)h(h)e(e) ( )c(c)o(o)r(r)e(e) ( )o(o)f(f) ( )C(C)h(h)i(i)n(n)a(a)’(’)s(s) ( )c(c)o(o)r(r)e(e) ( )i(i)n(n)t(t)e(e)r(r)e(e)s(s)t(t)s(s)，(，) ( )a(a)n(n)d(d) ( )t(t)h(h)e(e) ( )f(f)i(i)r(r)s(s)t(t) ( )r(r)e(e)d(d) ( )l(l)i(i)n(n)e(e) ( )t(t)h(h)a(a)t(t) ( )m(m)u(u)s(s)t(t) ( )n(n)o(o)t(t) ( )b(b)e(e) ( )c(c)r(r)o(o)s(s)s(s)e(e)d(d) ( )i(i)n(n) ( )C(C)h(h)i(i)n(n)a(a)-(-)U(U)S(S) ( )r(r)e(e)l(l)a(a)t(t)i(i)o(o)n(n)s(s)。(。) ( )R(R)e(e)c(c)e(e)n(n)t(t)l(l)y(y)，(，) ( )t(t)h(h)e(e) ( )U(U)S(S) ( )s(s)i(i)d(d)e(e) ( )o(o)b(b)s(s)c(c)u(u)r(r)e(e)d(d)，(，) ( )d(d)i(i)s(s)t(t)o(o)r(r)t(t)e(e)d(d) ( )a(a)n(n)d(d) ( )h(h)o(o)l(l)l(l)o(o)w(w)e(e)d(d) ( )o(o)u(u)t(t) ( )t(t)h(h)e(e) ( )o(o)n(n)e(e)-(-)C(C)h(h)i(i)n(n)a(a) ( )p(p)r(r)i(i)n(n)c(c)i(i)p(p)l(l)e(e) ( )t(t)h(h)r(r)o(o)u(u)g(g)h(h) ( )m(m)i(i)l(l)i(i)t(t)a(a)r(r)y(y) ( )a(a)i(i)d(d) ( )a(a)n(n)d(d) ( )a(a)r(r)m(m)s(s) ( )s(s)a(a)l(l)e(e)s(s) ( )t(t)o(o) ( )T(T)a(a)i(i)w(w)a(a)n(n)，(，) ( )a(a)n(n)d(d) ( )s(s)e(e)n(n)d(d)i(i)n(n)g(g) ( )p(p)e(e)r(r)s(s)o(o)n(n)n(n)e(e)l(l) ( )t(t)o(o) ( )a(a)s(s)s(s)i(i)s(s)t(t) ( )T(T)a(a)i(i)w(w)a(a)n(n) ( )i(i)n(n) ( )t(t)r(r)a(a)i(i)n(n)i(i)n(n)g(g) ( )i(i)t(t)s(s) ( )t(t)r(r)o(o)o(o)p(p)s(s)。(。) ( )T(T)h(h)e(e)s(s)e(e) ( )m(m)o(o)v(v)e(e)s(s) ( )s(s)e(e)n(n)t(t) ( )a(a) ( )s(s)e(e)r(r)i(i)o(o)u(u)s(s)l(l)y(y) ( )w(w)r(r)o(o)n(n)g(g) ( )s(s)i(i)g(g)n(n)a(a)l(l) ( )t(t)o(o) ( )t(t)h(h)e(e) ( )“(“)T(T)a(a)i(i)w(w)a(a)n(n) ( )i(i)n(n)d(d)e(e)p(p)e(e)n(n)d(d)e(e)n(n)c(c)e(e)”(”) ( )s(s)e(e)p(p)a(a)r(r)a(a)t(t)i(i)s(s)t(t) ( )f(f)o(o)r(r)c(c)e(e)s(s) ( )a(a)n(n)d(d) ( )s(s)e(e)v(v)e(e)r(r)e(e)l(l)y(y) ( )u(u)n(n)d(d)e(e)r(r)m(m)i(i)n(n)e(e)d(d) ( )p(p)e(e)a(a)c(c)e(e) ( )a(a)n(n)d(d) ( )s(s)t(t)a(a)b(b)i(i)l(l)i(i)t(t)y(y) ( )a(a)c(c)r(r)o(o)s(s)s(s) ( )t(t)h(h)e(e) ( )T(T)a(a)i(i)w(w)a(a)n(n) ( )S(S)t(t)r(r)a(a)i(i)t(t)。(。) 「そう。奈良って昔から好きなの」　　yishihubeizhijiangjiuyegufenyouxiangongsibeiyaoqiubushui8500wanyuan，yinzhebishuikuanbeizhuisuzhi1994nian，shideshuiwu“daozha30nian”chengweiyulunjiaodian。ershiningbobohuihuagongkejigufenyouxiangongsi3yuefenshoudaodangdishuiwuyaoqiubushui5yiyuandetongzhi，zuijinqiyexuanbutingchan。

　　[环球时报记者 尹野平 环球时报驻澳大利亚特约记者 达乔]“中国针对澳大利亚葡萄酒加征的关税已经取消，但澳酒商重回中国市场并不容易。”澳大利亚“对话”新闻网近日刊登一篇由悉尼大学学者撰写的文章这样写道。文章称，在对华关系恶化后，澳大利亚葡萄酒业失去了最大的出口市场。澳葡萄酒业想重建在华营销网络需要面临激烈竞争。　(　)　(　)猴(hou)痘(dou)是(shi)由(you)猴(hou)痘(dou)病(bing)毒(du)引(yin)起(qi)的(de)人(ren)兽(shou)共(gong)患(huan)病(bing)。(。)既(ji)往(wang)猴(hou)痘(dou)主(zhu)要(yao)流(liu)行(xing)于(yu)中(zhong)非(fei)与(yu)西(xi)非(fei)地(di)区(qu)。(。)目(mu)前(qian)全(quan)球(qiu)已(yi)有(you)1(1)1(1)1(1)个(ge)国(guo)家(jia)和(he)地(di)区(qu)发(fa)现(xian)猴(hou)痘(dou)病(bing)例(li)，(，)人(ren)际(ji)传(chuan)播(bo)以(yi)男(nan)男(nan)性(xing)行(xing)为(wei)人(ren)群(qun)为(wei)主(zhu)。(。)2(2)0(0)2(2)3(3)年(nian)5(5)月(yue)1(1)1(1)日(ri)，(，)世(shi)界(jie)卫(wei)生(sheng)组(zu)织(zhi)研(yan)判(pan)后(hou)宣(xuan)布(bu)猴(hou)痘(dou)疫(yi)情(qing)不(bu)再(zai)构(gou)成(cheng)“(“)国(guo)际(ji)关(guan)注(zhu)的(de)突(tu)发(fa)公(gong)共(gong)卫(wei)生(sheng)事(shi)件(jian)”(”)。(。)目(mu)前(qian)，(，)猴(hou)痘(dou)对(dui)公(gong)众(zhong)的(de)感(gan)染(ran)风(feng)险(xian)低(di)，(，)建(jian)议(yi)公(gong)众(zhong)积(ji)极(ji)了(le)解(jie)猴(hou)痘(dou)预(yu)防(fang)知(zhi)识(shi)，(，)做(zuo)好(hao)个(ge)人(ren)健(jian)康(kang)防(fang)护(hu)。(。)

　　路透社13日称，新制裁包括衡水元展贸易有限公司和总部位于香港的恒邦微电子有限公司，理由是它们涉嫌或曾经参与“破坏乌克兰稳定”或“破坏或威胁乌克兰领土”。“美国之音”称，衡水元展贸易有限公司和香港恒邦微电子有限公司此前已被美国财政部制裁过。

　　dandicibaoyehuidailaijiguangzhezhongnandedemeijing。jujieshao，zaidiqiucichangzuoyongxia，laizitaiyangdegaonengdaidianlizihuiyongxianggaoweidiqu，shidiqiunanbeiliangjifujindegaocengdaqifenzihuoyuanzidianli，congerjifachuguang，zaiyejianyouqixuanlanduomu，zhejiushihongsehuolvsejiguangxianxiang。12yue1ri，heilongjiangmohehejiamusidengdidouguancedaohongsejiguang，shenzhilianbeijinghuairouyeyousheyingaihaozhepaidaolejiguang。guojiaweixingqixiangzhongxinkongjiantianqijishuyanfashigongchengshihandayangbiaoshi，lvsejiguangduiyuwoguolaishuogengnankandao，yinweixuyaozugouqiangdetaiyangfengbaocainenghongjidao100gonglizuoyoudedaqi，jinerchanshenglvsejiguang。（xiezhao） 　　唐丽丽也在面向社会招聘支教研学团，但实际报名、筛选通过率只有约20%。张华每年都会招募大学生志愿者，但从报名到过关，通过率也只有50%。此外，通过的志愿者还有“1个月线上+2天线下培训”，特别要学习儿童心理学，“他们需具备教育技能，也要有初心，不是把大凉山当成支教研学的‘秀场’。”

刘长胜