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學(xué)習(xí)快評(píng)丨qibao666888　　針??(zhen)對(duì)??(dui)“先??(xian)學(xué)??(xue)后??(hou)付??(fu)”背??(bei)后??(hou)隱??(yin)藏??(zang)的??(de)“消??(xiao)費(fèi)??(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(qiáng)??(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(qiáng)??(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(bào)??(bao)渠??(qu)道?(dao)；金??(jin)融??(rong)機(jī)?(ji)構(gòu)?(gou)需?(xu)嚴(yán)??(yan)格??(ge)貸?(dai)款??(kuan)管??(guan)理?(li)?，強(qiáng)??(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(qiáng)??(qiang)貸??(dai)后??(hou)資??(zi)金??(jin)監(jiān)??(jian)控??(kong)；培??(pei)訓(xùn)??(xun)機(jī)?(ji)構(gòu)??(gou)要??(yao)增??(zeng)強(qiáng)??(qiang)自??(zi)律??(lv)誠(chéng)??(cheng)信??(xin)?，規(guī)??(gui)范??(fan)經(jīng)??(jing)營(yíng)??(ying)行??(xing)為??(wei)?，建??(jian)立??(li)合??(he)理??(li)收??(shou)費(fèi)??(fei)與??(yu)退??(tui)費(fèi)??(fei)機(jī)??(ji)制??(zhi)?，加??(jia)強(qiáng)??(qiang)內(nèi)??(nei)部??(bu)管??(guan)理?(li)與?(yu)員?(yuan)工??(gong)培??(pei)訓(xùn)??(xun)；消??(xiao)費(fèi)??(fei)者??(zhe)自??(zi)身??(shen)也??(ye)要??(yao)提??(ti)升??(sheng)自??(zi)我??(wo)保??(bao)護(hù)??(hu)意??(yi)識(shí)??(shi)?，理??(li)性??(xing)判??(pan)斷??(duan)謹(jǐn)??(jin)慎?(shen)選??(xuan)擇?(ze)??。??　　“商??(shang)家??(jia)以??(yi)‘先??(xian)學(xué)?(xue)后??(hou)付??(fu)’‘免??(mian)息??(xi)分??(fen)期??(qi)’等??(deng)作??(zuo)為??(wei)幌??(huang)子?(zi)??，引??(yin)誘??(you)學(xué)??(xue)員??(yuan)到??(dao)小??(xiao)額??(e)貸??(dai)款?(kuan)平??(ping)臺(tái)??(tai)辦??(ban)理?(li)分??(fen)期??(qi)??，既??(ji)涉??(she)嫌??(xian)虛??(xu)假??(jia)宣??(xuan)傳??(chuan)??，也??(ye)涉?(she)嫌??(xian)消??(xiao)費(fèi)??(fei)欺??(qi)詐??(zha)?。??”北??(bei)京??(jing)京??(jing)都??(dou)律??(lv)師??(shi)事??(shi)務(wù)??(wu)所??(suo)律??(lv)師??(shi)常??(chang)莎??(sha)分??(fen)析??(xi)說(shuō)?(shuo)?。。