溆浦| 邳州| 淮阴| 鹿邑| 翼城| 阳高| 代县| 扎囊| 田林| 南靖| 石泉| 卓资| 昭平| 五寨| 奉节| 凤台| 吉首| 武邑| 红安| 赤壁| 湘乡| 河口| 太原| 洪湖| 榆林| 铅山| 萝北| 赤壁| 乌审旗| 和布克塞尔| 内蒙古| 鄂州| 西林| 福清| 伊春| 陈仓| 景洪| 睢宁| 禹城| 北票| 合水| 定襄| 依安| 内黄| 孟村| 巴塘| 伊通| 泊头| 衢江| 瓦房店| 潮州| 衢州| 莒南| 古浪| 陵水| 长葛| 宁远| 太白| 漾濞| 天门| 睢县| 旌德| 临朐| 大丰| 衡南| 莎车| 全州| 崇州| 汉中| 顺平| 南汇| 曲周| 陈巴尔虎旗| 西沙岛| 中阳| 阿荣旗| 吉木萨尔| 玉溪| 姜堰| 米脂| 珠穆朗玛峰| 增城| 建瓯| 晴隆| 武当山| 韩城| 白水| 雷州| 九江县| 平和| 本溪满族自治县| 新沂| 共和| 黑山| 龙胜| 稷山| 灌阳| 大方| 大洼| 科尔沁左翼中旗| 江苏| 行唐| 萍乡| 布拖| 翁源| 醴陵| 石棉| 孝义| 云霄| 夏河| 天镇| 弥勒| 揭阳| 务川| 叙永| 康县| 西畴| 玉溪| 通化县| 嫩江| 单县| 平原| 高港| 扎囊| 马龙| 钟山| 昌吉| 乳山| 乳源| 广平| 林芝县| 黔西| 沙坪坝| 昂仁| 安陆| 铅山| 洛川| 西林| 汕头| 弋阳| 新建| 盐边| 理塘| 斗门| 乌鲁木齐| 镇巴| 马尾| 西乌珠穆沁旗| 靖远| 大姚| 凤阳| 宁海| 新龙| 嵊州| 吴堡| 香港| 松江| 灌阳| 霍林郭勒| 沛县| 都昌| 荣成| 香河| 鱼台| 合水| 陵川| 连州| 贵港| 周至| 建平| 磴口| 东平| 澧县| 猇亭| 宁国| 佛山| 建宁| 芜湖市| 仙桃| 荣县| 琼山| 奇台| 稻城| 凤凰| 房山| 武宁| 蛟河| 东莞| 庐江| 南山| 五营| 民勤| 土默特左旗| 嘉祥| 于田| 平阴| 高县| 宁阳| 召陵| 玛多| 浠水| 栾川| 陆良| 下花园| 电白| 兴城| 平顺| 巴彦| 金寨| 民乐| 茶陵| 广州| 壶关| 璧山| 新邱| 麻阳| 秀山| 姜堰| 朔州| 大港| 台东| 错那| 盖州| 清水河| 沅江| 岱岳| 潜山| 科尔沁右翼前旗| 东阿| 太湖| 饶河| 积石山| 柘城| 富宁| 木兰| 西丰| 安阳| 桓仁| 金堂| 九寨沟| 宁南| 嘉祥| 喜德| 吉林| 新化| 会宁| 浚县| 许昌| 北海| 建始| 浦口| 缙云| 张家川| 孟连| 永春| 柘城| 界首| 阿城| 彭水| 五营| 屏边| 西林| 延寿|

图说五年变化| 奋战五年 贵州经济冲出“洼地”

2019-05-22 23:46 来源:好大夫在线

  图说五年变化| 奋战五年 贵州经济冲出“洼地”

  AviewoftheWeishuiReservoirinSongziCity,CentralChina’,,makingitatoptouristattraction,anditisalsohometoaleadingcampingsite.(Photo:ChinaNewsService/ZhouXingliang)AviewoftheWeishuiReservoirinSongziCity,CentralChina’,,makingitatoptouristattraction,anditisalsohometoaleadingcampingsite.(Photo:ChinaNewsService/ZhouXingliang)AviewoftheWeishuiReservoirinSongziCity,CentralChina’,,makingitatoptouristattraction,anditisalsohometoaleadingcampingsite.(Photo:ChinaNewsService/ZhouXingliang)AviewoftheWeishuiReservoirinSongziCity,CentralChina’,,makingitatoptouristattraction,anditisalsohometoaleadingcampingsite.(Photo:ChinaNewsService/ZhouXingliang)AviewoftheWeishuiReservoirinSongziCity,CentralChina’,,makingitatoptouristattraction,anditisalsohometoaleadingcampingsite.(Photo:ChinaNewsService/ZhouXingliang)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)

AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)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)

  AstaffmemberrepairsaculturalrelicatarestorationhospitalinthePalaceMuseuminBeijing,June9,sCulturalandNaturalHeritageDay,thefirstbatchof40peoplewatcheddoctorsrepairingpiecesfromsomeofthemuseumscollections,includingpiecesofcalligraphy,paintings,bronzewareandclocks,,,000squaremetersandhasthenationsmost-advancedrestorationstudios.(Photo:ChinaNewsService/LiuGuanguan)ShanJixiang(C),thecuratorofthePalaceMuseum,poseswithvolunteersattheopeningofitsrestorationhospitaltothepublicinBeijing,June9,sCulturalandNaturalHeritageDay,thefirstbatchof40peoplewatcheddoctorsrepairingpiecesfromsomeofthemuseumscollections,includingpiecesofcalligraphy,paintings,bronzewareandclocks,,,000squaremetersandhasthenationsmost-advancedrestorationstudios.(Photo:ChinaNewsService/LiuGuanguan)StaffmembersrepairculturalrelicsatarestorationhospitalinthePalaceMuseuminBeijing,June9,sCulturalandNaturalHeritageDay,thefirstbatchof40peoplewatcheddoctorsrepairingpiecesfromsomeofthemuseumscollections,includingpiecesofcalligraphy,paintings,bronzewareandclocks,,,000squaremetersandhasthenationsmost-advancedrestorationstudios.(Photo:ChinaNewsService/LiuGuanguan)AvolunteertalkstovisitorsaboutculturalrelicsrestorationatahospitalinthePalaceMuseuminBeijing,June9,sCulturalandNaturalHeritageDay,thefirstbatchof40peoplewatcheddoctorsrepairingpiecesfromsomeofthemuseumscollections,includingpiecesofcalligraphy,paintings,bronzewareandclocks,,,000squaremetersandhasthenationsmost-advancedrestorationstudios.(Photo:ChinaNewsService/LiuGuanguan)AstaffmemberrepairsaculturalrelicatarestorationhospitalinthePalaceMuseuminBeijing,June9,sCulturalandNaturalHeritageDay,thefirstbatchof40peoplewatcheddoctorsrepairingpiecesfromsomeofthemuseumscollections,includingpiecesofcalligraphy,paintings,bronzewareandclocks,,,000squaremetersandhasthenationsmost-advancedrestorationstudios.(Photo:ChinaNewsService/LiuGuanguan)ShanJixiang,thecuratorofthePalaceMuseum,meetswithvisitorstoarestorationhospitalinthePalaceMuseuminBeijing,June9,sCulturalandNaturalHeritageDay,thefirstbatchof40peoplewatcheddoctorsrepairingpiecesfromsomeofthemuseumscollections,includingpiecesofcalligraphy,paintings,bronzewareandclocks,,,000squaremetersandhasthenationsmost-advancedrestorationstudios.(Photo:ChinaNewsService/LiuGuanguan)ShanJixiang,thecuratorofthePalaceMuseum,meetswithvisitorstoarestorationhospitalinthePalaceMuseuminBeijing,June9,sCulturalandNaturalHeritageDay,thefirstbatchof40peoplewatcheddoctorsrepairingpiecesfromsomeofthemuseumscollections,includingpiecesofcalligraphy,paintings,bronzewareandclocks,,,000squaremetersandhasthenationsmost-advancedrestorationstudios.(Photo:ChinaNewsService/LiuGuanguan)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)

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

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)

  ,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan)ExamineestakeaselfiewiththeirfamilybeforethenationalcollegeentranceexaminationoutsideanexamvenueinChangchun,northeastChinasJilinProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LinHong),capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan),eastChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/XuXiaoxuan)ExamineesprepareforthenationalcollegeentranceexaminationoutsidetheexamvenueatFenyangHighSchoolinLyuliangCity,northChinasShanxiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/CaoYang)ExamineesenteranexamvenueinChangchun,northeastChinasJilinProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LinHong),capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan)

  AbirdrestsonthestemofalotusflowerintheHuangshanscenicareainAnhuiprovinceonJune10,,astemperaturescontinuetorise.(Photo/Asianewsphoto)AbirdrestsonthestemofalotusflowerintheHuangshanscenicareainAnhuiprovinceonJune10,,astemperaturescontinuetorise.(Photo/Asianewsphoto)AbirdrestsonthestemofalotusflowerintheHuangshanscenicareainAnhuiprovinceonJune10,,astemperaturescontinuetorise.(Photo/Asianewsphoto)AbirdrestsonthestemofalotusflowerintheHuangshanscenicareainAnhuiprovinceonJune10,,astemperaturescontinuetorise.(Photo/Asianewsphoto)TwobirdsrestonthestemofalotusflowerintheHuangshanscenicareainAnhuiprovinceonJune10,,astemperaturescontinuetorise.(Photo/Asianewsphoto)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)

  CraftswomanLiWenlingshowsherpaper-cuttingworksatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June6,2018.(Xinhua/LiZiheng)PhototakenonJune6,2018showsafolkmusicperformanceatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince.(Xinhua/GuoXulei)PhototakenonJune6,2018showsateaartshowatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince.(Xinhua/LiZiheng)CraftsmanMuXujianshowsdoughsculpturemakingtojournalistsatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June6,2018.(Xinhua/GuoXulei)CraftsmanMuXujianmakesdoughsculpturesatthemediacenterforthe18thShanghaiCooperationOrganization(SCO)SummitinQingdao,eastChinasShandongProvince,June6,2018.(Xinhua/LiZiheng)

  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,reviewsandrecordingsPhototakenonJune7,2018showsexhibitsattheAfricanArtExhibitioninsouthwestChina(Xinhua/WangQuanchao)AcuratorintroducestheAfricanArtExhibitionheldinsouthwestChinasChongqing,June7,(Xinhua/WangQuanchao)JournaliststakephotosattheAfricanArtExhibitioninsouthwestChinasChongqing,June7,(Xinhua/WangQuanchao)PhototakenonJune7,2018showsexhibitsattheAfricanArtExhibitioninsouthwestChina(Xinhua/WangQuanchao)AjournalisttakesphotosattheAfricanArtExhibitioninsouthwestChinasChongqing,June7,(Xinhua/WangQuanchao)

  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)

  AsignforapolicecheckstandsneartheCapellaResortonSentosaIsland,Singapore,June10,oplesRepublicofKoreasupremeleaderKimJong-unwillbeheldattheCapellaResort.(Photo:ChinaNewsService/XuFangqing)AsignforapolicecheckstandsneartheCapellaResortonSentosaIsland,Singapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)ReportersareseenneartheCapellaResortonSentosaIsland,Singapore,June10,oplesRepublicofKoreasupremeleaderKimJong-unwillbeheldattheCapellaResort.(Photo:ChinaNewsService/XuFangqing)AsignforapolicecheckstandsneartheCapellaResortonSentosaIsland,Singapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)PassengersareseenatSentosaStationonSentosaIsland,Singapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)AtramrunsonSentosaIsland,AsiasleadingleisuredestinationandSingaporespremierislandgetaway,June10,2018.(Photo:ChinaNewsService/MengXiangjun)AviewfromthetramonSentosaIsland,Singapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)TouristsareseenonSentosaIsland,Singapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)AviewofsceneryneartheCapellaResortonSentosaIsland,Singapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)AshuttlebusonSentosaIsland,Singapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)WorkerserectafenceneartheCapellaResortonSentosaIsland,Singapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)WorkerserectafenceneartheCapellaResortonSentosaIsland,Singapore,June10,2018.(Photo:ChinaNewsService/MengXiangjun)ReportersareseenneartheCapellaResortonSentosaIsland,Singapore,June10,oplesRepublicofKoreasupremeleaderKimJong-unwillbeheldattheCapellaResort.(Photo:ChinaNewsService/XuFangqing)

  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)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)

  

  图说五年变化| 奋战五年 贵州经济冲出“洼地”

 
责编:

未来的银行什么样?会成为21世纪的恐龙吗?

您当前位置:首页 > 金融保险 > 业界访谈 > 正文
来源:人民网 发布日期:2019-05-22 08:48:57
       未来银行的核心在于从传统的“资金中介”向“服务中介”转型
  
  3月15日,中国银监会主席郭树清在《2016年度中国银行业服务改进情况报告》暨文明规范服务千佳示范单位发布会上发表讲话,强调:“银行业属于现代服务行业,服务国家战略、服务实体经济、服务客户是银行的天职。”
  
  在过去和未来,银行到底是什么?面对时代浪潮,银行究竟何去何从?改进银行服务,仅仅是银行履行社会责任、增加业务机会的外在需要,还是在新的历史条件下银行功能变迁的内在驱动?郭树清主席的讲话,引发了我们对这些问题的再次思考。
  
  公元十五世纪前后,在地中海沿岸的威尼斯,诞生了世界上最早的银行。当时,人们在码头岸边摆上几张长条凳,为来往的商贾提供现金存放和货币兑换业务。银行英文“Bank”一词,便源于意大利语“Banca”,其原意是长凳、椅子。
  
  经过数百年的发展,现代商业银行形成了两项最根本的功能:支付中介功能和融资中介功能。其中,支付中介功能是银行最古老、最基础的功能,融资中介功能是银行最重要、最本质的功能。因此,银行长期以来集支付中介和融资中介为一身,以资金为中心,是名符其实的“资金中介”。这也是银行得于长期生存发展并区别于其他金融机构的重要标志。进而,银行的支付中介和融资中介功能还派生出银行的其他功能,如货币创造功能、风险管理功能等。《中华人民共和国商业银行法》第二条规定:“本法所称的商业银行是指依照本法和《中华人民共和国公司法》设立的吸收公共存款、发放贷款、办理结算等业务的企业法人。”这从法律层面清晰地界定了商业银行的两大功能。
  
  然而,随着信息技术的快速发展、金融市场的不断完善以及客户需求的深刻变迁,近些年来商业银行这两大功能都受到了挑战:
  
  从支付中介功能看,特别是在我国,由于支付结算这一领域进入门槛和成本较低,许多金融机构和非金融机构大量进入,银行分支机构上所具有的网点优势和信息优势被大大削弱,支付领域市场份额受到较大的冲击。央行公布的统计数据显示,2016年非银行支付机构累计发生网络支付业务1639亿笔,金额99万亿元,同比分别增长99.5%和100.7%,增幅远高于银行业金融机构。特别在小额支付市场,非银行支付机构已经占据绝大部分份额。
  
  从融资中介功能看,银行一方面是存款的债务人,一方面是借款的债权人,与借贷双方分别建立信用关系。随着信息技术和互联网的发展,借贷的供求双方可以通过网络完成供求信息的匹配,并在一定条件下可以直接完成资金融通,这在一定程度上削弱了银行融资中介机构的作用。在美国,上世纪九十年代中期出现“网上直接公开发行”;在我国,近年来兴起P2P网络借贷、股权众筹等方式,都对银行信贷产生一定的替代作用。
  
  而且,随着我国金融改革深化,多层次资本市场不断完善,直接融资比例逐年提高,以银行信贷为主的间接融资比例呈现下降趋势,这也在一定程度上弱化银行长期以来作为融资中介的重要地位。
  
  总之,随着信息技术创新和形势发展变化,银行市场进入壁垒逐步降低,客户获取信息来源增加,信息获取成本下降,作为支付中介和融资中介的商业银行原本具有的金融中介优势减弱。而无论从国外还是从国内看,经济下行使得银行持续盈利和资产质量变得艰难。叠加了这些因素,面向未来商业银行的确面临着较大挑战。
  
  其实,早在上世纪90年代,不少人就不看好商业银行的下一步发展。微软董事长比尔?盖茨曾宣称:“传统的商业银行将成为21世纪的恐龙。”德国银行家乌尔瑞奇也曾预言:“银行将是20世纪90年代的钢厂和船坞”。时至今日,这样的声音仍然此起彼伏。但二十多年过去了,商业银行面对挑战并没有消亡。相反的是,大多数商业银行不但经受住考验,而且还发展迅速。尤其是我国商业银行,无论是资产规模和品牌价值,都已跃居世界第一。
  
  该如何解释这样的现象?美国哈佛大学的兹维?博迪和罗伯特?默顿教授为我们提供了理论基础。两位教授将金融体系的分析框架分为机构视角和功能视角两种,其主要观点是:金融功能比金融机构更稳定,机构形式的变迁将最终由它们执行的功能决定,竞争将导致金融机构(体系)变化,并向更具效率的金融系统演进。
  
  基于功能视角,一项金融功能可以由不同的金融机构来执行,一个金融机构也可以同时执行几项金融功能。面对变化,商业银行部分功能逐步被新兴金融机构或非金融机构替代,如支付中介和融资中介的传统优势下降。而与此同时,商业银行加快创新步伐,发挥其客户、资金、人才等优势,不断推动传统业务转型升级,在部分功能被替代的过程中不断拓展和创造新的服务功能和服务领域。
  
  与无法适应环境变化的恐龙相比,通过持续创新和转型,商业银行不断拓宽自己的生存空间,直接或间接地促使银行的传统功能发生转变。究其根本,银行全方位的创新发展和功能转型,其核心在于从传统的“资金中介”向“服务中介”转型,即从以支付结算和资金融通功能为主的纯粹“资金中介”,转型为提供支付、信贷、投行、咨询、风控等多种金融服务的综合“服务中介”。这是银行得以持续发展的根本原因。
  
  其实,早在上世纪60年代,美国的一些学者就提出了“服务营销”理念,如里甘1963年在文章中提出美国已经进入“服务革命”。到了90年代,约瑟夫?A?迪万纳出版《金融服务大变革——重塑价值体系》,认为技术不断改变着金融服务企业提供服务的行为方式,金融服务企业要想在接下来的年份里存活下去,必须抓住要点——为顾客创造价值。
  
  从国内商业银行看,不少银行也已明确将“服务中介”作为转型目标。如2012年,时任中国工商银行董事长姜建清表示,未来工商银行将转型为金融服务的中介。招商银行原行长马蔚华2016年提出,商业银行应从简单的融资中介向全面的金融服务转型。更有不少银行,直接将“金融综合服务提供商”作为发展愿景。
  
  基于商业银行“服务中介”的目标定位,我们就很好理解郭树清主席从“为经济社会发展贡献金融新动能”高度,强调“持续改进银行服务”的重要性和紧迫性。我们认为,改进银行服务,不但是商业银行履行社会责任、提高客户满意度、提升品牌形象的需要,更是在新的历史条件下银行功能变迁的内在要求,是银行打造核心竞争力、寻求新的业务发展模式的客观要求,是银行服务实体经济、助力供给侧结构性改革的迫切要求。正如郭树清主席所说:“能否为实体经济发展提供有效支持、能否为客户提供更好的银行服务,是衡量银行改革成果的最重要的标准。”
  
  因此,持续改进银行服务,向金融服务中介转型,不仅要从减少客户排队时间、改造银行营业网点、规范产品销售流程等具体问题着手,更要发展战略、公司治理、业务转型、体制机制等“顶层设计”入手和解决。从发展战略看,要将改进服务纳入到全行战略规划,建立并持续实施服务战略;从公司治理看,要完善激励与约束制度,鼓励全员参与改进服务,管理层尤其是董事长和行长要经常过问服务工作;从业务转型看,要从零售银行业务转型出发,重视大众客户和小微企业服务,提升普惠金融服务水平;从体制机制看,要深化内部组织架构改革,建立起真正“以客户为中心”的服务体系,并积极培育先进的服务文化,使服务内化于心、外化于行。此外,还要充分运用金融科技(fintech)手段,推动服务渠道协同发展和资源整合,提升服务能力和效率,为客户提供任何时间、任何地点、任何方式的“AAA”(anytime、anywhere、anyhow)服务。
  
  郭树清主席在讲话中提到一本名为《Bank3.0》的书,作者在此书中指出,未来的银行将不再是一个地方,而是一种行为(Bankingisnolongeraplaceyougo,butsomethingyoudo)。套用这句话,我们要说的是:未来的银行将不会只是资金中介,而将更多地向服务中介转变,并成为金融服务的综合提供商。
  
  从这个意义上讲,改进和提升银行服务,任重道远,永无止境。
  
  (作者系恒丰银行研究院执行院长、中国人民大学重阳金融研究院客座研究员)
  

  打印
  • 早安三门峡

  • 官方微信

  • 新浪微博

  • 腾讯微博

徐州市泉山区 李胥平村委会 下长子营村 大洋肚 六合乡
西禾田 长珲高速公路 句容市二圣种猪场 同德县 百顺胡同后河