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body => <h1 style="text-align: center;"><strong>乡村振兴战略——数字普惠机遇、实践和风险</strong></h1>
<p style="text-align: center;">郑昕 工商银行总行网络融资中心副总经理</p>
<p style="text-align: center;"> </p>
<p style="text-indent: 2em;">本文主要分为三个部分。首先，介绍农村信贷模式的演变；其次，介绍近年来涉农普惠数字化探索和实践，第三，在金融科技背景下，个人对涉农普惠业务的一些思考。</p>
<p style="text-indent: 2em;"> </p>
<h2><strong>一、农村信贷模式演变</strong></h2>
<h4 style="text-indent: 1.5em;"><strong> （一）传统模式</strong></h4>
<p style="text-indent: 2em;">早期在农村的金融机构主要有信用联社、农商行以及农业银行，信用联社在村委会、农机服务站都设有站点，客户经理驻村进行走访、面对面营销；他们主动对接村内种养殖大户、专业合作社等新型经营主体，及时了解农户金融服务需求；梳理村庄特色农产品和农业产业，进行精准营销。在村内搭建“移动式银行”、现场开立银行卡、手机银行和当场授信的金融服务队。</p>
<p style="text-indent: 2em;">在传统模式下金融机构和农户之间有较深的鸿沟。金融机构方面存在获客难度大、成本高的问题，农户难以满足准入条件；农户方面则需求旺盛，但正规信贷可获得性低，银行贷款手续复杂、利率高、隐性成本高。这种供需差异催生了旺盛的民间借贷市场，而民间借贷风险大、容易引发债务纠纷，影响金融秩序，引发恶性事件。</p>
<h4 style="text-indent: 1.5em;"><strong>（二）政策引导</strong></h4>
<p style="text-indent: 2em;">2021年6月，央行、银保监会、证监会等部委联合发布的《关于金融支持巩固拓展脱贫攻坚成果全面推进乡村振兴的意见》提出，要加大对重点帮扶县的金融资源倾斜，增加对农业农村绿色发展的资金投入，以及强化金融科技赋能。2017年十九大报告正式提出要实施乡村振兴；2021年2月中央1号文件指出，“要开发专属金融产品，支持新型农业经营主体和农村新产业新业态，发展农村数字普惠金融”。今年“十四五”规划提出，要构建金融有效支持实体经济的体制机制，提升金融科技水平，增强金融普惠性；同时，今年国家乡村振兴局成立。</p>
<h4 style="text-indent: 1.5em;"><strong>（三）金融科技发展</strong></h4>
<p style="text-indent: 2em;">在上述背景下，金融更深地渗透到乡村振兴中。原因来自以下几点：第一，互联网的快速普及，第二，大数据的高速发展，第三，物联网的逐步形成。这些带来了批量、精准地获客，以及更有效的风控。</p>
<p style="text-indent: 2em;"> </p>
<h2><strong>二、涉农普惠数字化探索和实践</strong></h2>
<p style="text-indent: 2em;">在这样的时代背景下，商业银行积极开展涉农业务数字化转型。这里主要有几个方向。一是发挥传统网点优势，线上线下相结合，线下营销获客，线上申请办理业务，比如农业银行建设金融自治村，到户批量营销获客，开展线上业务，以及整村授信，如果这个村的村民整体信用都比较好，这个村获得的利率会比较低、额度会比较大，这蕴含了通过利益共同体来控风险的意思；二是金融科技赋能农村信贷，新型抵质押物也开始走上历史的舞台，例如建设银行的“湖南生猪活体抵押贷”，给生猪打上二维码耳标进行全生命周期价值传递，内蒙古“活体牲畜抵质押贷款”，以黄牛为主要抵押资产，金融机构聘请第三方监管机构进行押品管理，还有通过遥感技术用卫星无人机等设备对农田大小，农作物种类等进行识别、预测产量产值、进行气候监测等，例如网商银行卫星遥感现代技术“大山雀”，卫星拍照加上人工智能识别。</p>
<p style="text-indent: 2em;">农业数据服务平台也开始蓬勃发展。其中最主要的一支力量，是由政府来主导，提供土地面积流转等农业经营主体信息，提供农作物种类、历史销售情况等生产经营信息，提供财政补贴信息，提供乡村信用评级信息等。数据服务主要分成两种形式。一种是仅提供渠道申请，各方面的数据可能还是线下获得，这种方式下数据化应用未达到较高程度；另外一种是将数据整合，对外提供较为标准化的数据服务。另外，信贷直通车属于第一种情况，即农业农村部为农民合作社、家庭农场等新型农业经营主体打造的在线申贷平台，涉农客户通过网页在线填报经营信息及融资需求，所在地农业担保公司与商业银行合作为其提供融资支持在政府引导的同时，商业机构也进入到农村的数字化转型过程中，他们数据获取手段主要是客户授权、科技手段，以及来自电商平台数据。</p>
<p style="text-indent: 2em;">另外，为了更好地支持乡村振兴，政府推动形成了农村金融风险共担体系。一是支持地方涉农征信平台建设，推动建立覆盖全国的农业信贷担保体系；二是对遭受自然灾害和意外事故，造成的经济损失提供政策性保险，；三是为商业银行推出活体抵押、林权质押、农村住房抵押等贷款提供政策支持。</p>
<p style="text-indent: 2em;">在涉农信贷业务数字化的过程中，银行是积极参与者与推进者。以工商银行为例，该行在普惠金融部内成立了专门的涉农业务团队，创新涉农普惠产品，服务农业经营主体，通过经营快贷、数字供应链、数字抵押等线上产品为农业经营主体提供融资服务。主要贷款服务分为两大部分：一是基于经营数据，依据信用数据、农业经营数据建立准入模型及定价策略，为农户、家庭农场等农业经营主体提供信用类、保证类、抵质押类融资；二是基于产业链依托龙头企业，为产业链上游农企、农户等供应商，下游经销商提供融资服务，缓解产业链上小微企业资金压力。</p>
<p style="text-indent: 2em;"> </p>
<h2><strong>三、金融科技背景下涉农普惠业务的思考</strong></h2>
<p style="text-indent: 2em;">在发展全线上模式贷款过程中存在数据局限性的问题。首先是农业数据难以批量获取，具有较强的地域性，难以检验真伪，特别是产业链底端农户数据。各地政府数据平台大多规模小、种类多，数据相对零散，缺乏统一标准，在这个基础上，形成统一标准化信贷产品难。其次，新型增信方式处于发展阶段，风险缓释效果有待实践检验。比如虚拟围栏是非物理屏障，不确定性高，后续风险难以控制；卫星遥感成本高，收益较难覆盖成本；活体抵押存在借款人道德风险、牲畜死亡风险等。另外活体、林权等各地抵质押登记部门不统一，债务违约追责难，债权实现难。</p>
<p style="text-indent: 2em;">乡村振兴需要社会各界通力合作。首先是银政合作，加强与地方政府对接，拓宽数据来源，为农户提供综合化信息服务。其二，与 银保、银担合作，一定程度上缓释风险，解决农户贷款难、银行不敢贷等问题。其三，加强银行间合作，银行间既有竞争，也有合作，可以发挥各自的优势，共担风险，共享收益。</p>
<p style="text-indent: 2em;">未来，乡村振兴可以在以下几个方面进行探索：第一，建立农业数据体系，开展农业数据建设和治理，设定统一标准，完善农业信息标准化建设；第二，完善农村基础设施，在农村普及5G通讯、视频监控等设施，建立数据获取的基础；第三持续提高信息化程度，不断降低物联网、遥感等新科技使用成本，最终降低数据获取成本，四是进一步完善抵质押机制，明确物利的界定，缓释债务违约风险。未来涉农的这种数据化平台可能会如同雨后春笋般地出现。但是到了一个时期会逐步的标准化，形成几个相对比较强的大平台。在新技术，例如物联网的出现，涉农金融化的转型、降低成本都会成为现实。</p>
<p style="text-align: right;">（责任编辑：郭钰阳）</p>
<p style="text-align: right;">来源：TGES 2021年高级研讨会：零售小微、普惠金融与风险管理（7月）</p>
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<p style="text-align: center;"><span style="font-size:20px;"><strong>TGES平台网络端口和活动次卡及其试用赠送说明</strong></span></p>
<p align="center" helvetica="" neue="" style="text-align:center;margin: 0px; padding: 0px; clear: both; color: rgb(51, 51, 51); font-size: 17px; text-indent: 0em; font-family: mp-quote, -apple-system-font, system-ui, "> </p>
<p align="center" helvetica="" neue="" style="margin: 0px; padding: 0px; clear: both; text-align: center; text-indent: 0em; font-family: mp-quote, -apple-system-font, system-ui, "><span style="font-size:16px;"><span helvetica="" neue="" style="margin: 0px; padding: 0px;"><strong style="margin: 0px; padding: 0px;"><span style="margin: 0px; padding: 0px; color: #5C6BC0;">口袋里的交流平台 珍贵的原创资料库 数百位国内外专家 </span></strong></span><strong helvetica="" neue="" style="margin: 0px; padding: 0px; font-family: "><span style="margin: 0px; padding: 0px; color: #5C6BC0;">动态前沿交流 二十年经验分享</span></strong></span></p>
<p style="margin: 0px; padding: 0px; clear: both;"> </p>
<p style="margin: 0px; padding: 0px; clear: both;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 18px; color: #5C6BC0; font-family: "><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; letter-spacing: 1px; background: #FFFFFF; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">一、TGES平台网络端口</strong></span></strong></span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 18px; color: #5C6BC0; font-family: "><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; letter-spacing: 1px; background: #FFFFFF; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">：</strong></span></strong></span></p>
<p microsoft="" style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; color: rgb(0, 0, 0); text-indent: 0em; caret-color: rgb(255, 0, 0); line-height: 1.75em; font-family: 微软雅黑, " yahei=""><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: #5C6BC0; font-size: 18px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 27px; font-family: "> </span></strong></span><span helvetica="" neue="" style="font-family: ">TGES交流平台网络端口作为TGES交流成果展示终端，汇集了包括自2005年以来历届中国金融风险经理论坛（CFRMF）在内的所有TGES专家交流成果，并持续动态汇集每年数百位国内外资深专家的前沿讲座、圆桌讨论和论坛研讨等多种形式的交流成果，是一个反映中国金融风险管理不断发展演变的动态原创资料库。<strong>可以查阅历史上1700多个精选视频，1500多篇原创文稿，1300多个PPT。此外，每年邀请300多位专家参加实时交流活动，会根据交流活动动态增加各类交流成果，不断丰富资料库。</strong>端口包含下列权益：</span></p>
<p microsoft="" style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; color: rgb(0, 0, 0); caret-color: rgb(255, 0, 0); text-indent: 2em; line-height: 1.75em; font-family: 微软雅黑, " yahei=""><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: #5C6BC0; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: ">1. <span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;">交流成果展示：</span></span></strong></span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; font-size: 15px; font-family: ">可观看TGES的12个专业频道的全部专家授权开放内容，覆盖从2005年成立至今的所有历史交流活动的文本、视频及PPT内容。同时还会动态更新每一年新增活动的交流成果。</span></p>
<p microsoft="" style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; color: rgb(0, 0, 0); caret-color: rgb(255, 0, 0); text-indent: 2em; line-height: 1.75em; font-family: 微软雅黑, " yahei=""><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; color: #5C6BC0; font-family: ">2. <span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;">专家空间：</span></span></strong><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; font-size: 15px; font-family: ">上百位国内外资深专家的个人专业页面，汇集其数十年职业生涯的交流成果、专业思想和实践探索。</span></p>
<p microsoft="" style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; color: rgb(0, 0, 0); caret-color: rgb(255, 0, 0); text-indent: 2em; line-height: 1.75em; font-family: 微软雅黑, " yahei=""><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; color: #5C6BC0; font-family: ">3.<span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;">《风险管理》杂志：</span></span></strong><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; font-size: 15px; font-family: ">每两个月一期动态增加，一千多万字专业观点。</span></p>
<p microsoft="" style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; color: rgb(0, 0, 0); caret-color: rgb(255, 0, 0); text-indent: 2em; line-height: 1.75em; font-family: 微软雅黑, " yahei=""><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: #5C6BC0; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: ">4. <span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;">前沿动态：</span></span></strong></span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; font-size: 15px; font-family: ">包括《行业动态》《行业观点》《监管动态》《研究观点》四个方面的动态资讯，体现风险管理主题和逻辑特色。</span></p>
<p microsoft="" style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; color: rgb(0, 0, 0); caret-color: rgb(255, 0, 0); text-indent: 2em; line-height: 1.75em; font-family: 微软雅黑, " yahei=""><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: #5C6BC0; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: ">5. <span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;">天弈问答：</span></span></strong></span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; font-size: 15px; font-family: ">汇集TGES平台各类交流活动中来自业界和平台专家的问答交流。</span></p>
<p align="left" style="margin: 0px 0px 15px; padding: 0px; clear: both; text-align: left; max-inline-size: 100%; min-height: 1em; cursor: text; line-height: 1.75em; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"> </p>
<p align="left" style="margin: 0px 0px 15px; padding: 0px; clear: both; text-align: left; max-inline-size: 100%; min-height: 1em; cursor: text; line-height: 1.75em; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 18px; color: #5C6BC0; font-family: "><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; letter-spacing: 1px; background: #FFFFFF; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">二、TGES线上实时交流活动次卡：</strong></span></strong></span></p>
<p align="left" style="margin: 0px 0px 15px; padding: 0px; clear: both; text-align: left; max-inline-size: 100%; min-height: 1em; cursor: text; line-height: 1.75em; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; font-size: 15px; font-family: "> TGES平台2021年推出实时线上交流活动，包括前沿讲座、圆桌讨论和年度总论坛等多种交流形式，全年预计有400人次国内外资深专家在线发表观点，全方位涵盖主要金融业务和管理条线。<strong>TGES实时活动次卡用于通过TGES端口线上同步观看今年举办的各类实时活动，可任意兑换今年400人次专家参与的下列各类活动直播，参与互动提问，与专家直接交流。</strong></span></p>
<p style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: #5C6BC0; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; color: #5C6BC0; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: ">1. 中国金融风险经理年度总论坛（CFRMF）：</span></strong></span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: "><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;">可观看年度论坛的现场直播，具体内容和兑换方式在年度论坛安排发布时说明。</span></span></p>
<p style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: #5C6BC0; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; color: #5C6BC0; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: ">2. TGES前沿讲座：</span></strong></span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: "><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;">一张次卡可兑换观看一个专家的40-60分钟的前沿讲座，全年120余次讲座。</span></span></p>
<p style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: #5C6BC0; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; color: #5C6BC0; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: ">3. TGES圆桌讨论：</span></strong></span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: "><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;">一张次卡可兑换一次独立的圆桌讨论活动，通常由3-5位专家共同研讨热点问题，内容覆盖政策解读、形势分析、案例点评、技术疑难分析等。</span></span></p>
<p style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; text-indent: 2em; line-height: 1.75em; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: #5C6BC0; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; color: #5C6BC0; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: ">4. TGES高级研讨会：</span></strong></span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: "><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;">一张次卡可观看研讨会中一位嘉宾的演讲，可使用4张次卡兑换整场研讨会。</span></span></p>
<p align="left" style="margin: 0px 0px 15px; padding: 0px; clear: both; text-align: left; max-inline-size: 100%; min-height: 1em; cursor: text; line-height: 1.75em; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"> </p>
<p align="left" style="margin: 0px 0px 15px; padding: 0px; clear: both; text-align: left; max-inline-size: 100%; min-height: 1em; cursor: text; line-height: 1.75em; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 18px; color: #5C6BC0; font-family: "><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; letter-spacing: 1px; background: #FFFFFF; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">三、TGES端口和次卡试用获取：</strong></span></strong></span></p>
<p align="left" style="margin: 0px 0px 15px; padding: 0px; clear: both; text-align: left; max-inline-size: 100%; min-height: 1em; cursor: text; line-height: 1.75em; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; font-size: 15px; font-family: "> </span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: "><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">为感谢各位读者、用户及合作机构对TGES平台的支持，同时也为了推广平台，让更多人参与到金融风险管理交流学习中，特举办TGES网络端口和活动次卡的试用赠送活动。</strong></span></strong></span></p>
<p microsoft="" style="margin: 0px 0px 15px; padding: 0px; clear: both; max-inline-size: 100%; min-height: 1em; cursor: text; color: rgb(0, 0, 0); caret-color: rgb(255, 0, 0); text-indent: 2em; line-height: 1.75em; font-family: 微软雅黑, " yahei=""><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: "><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">扫描下方二维码联系客服，</strong></span></strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">获取</strong></span></strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">价值</strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">6000</strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">元的网络</strong></span></strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">端口</strong></span></strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">为期</strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">1</strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">个月的免费使用权限</strong></span></strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">。</strong></span></strong></span><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; font-family: "><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">以金融机构的部门为单位，每个部门可向客服获取两张免费次卡，每张次卡有效期为</strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">1</strong><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">个月，到期未使用不退不换。</strong></span></strong></span></p>
<p align="center" style="margin: 0px 0px 15px; padding: 0px; clear: both; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; line-height: 1.75em; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; color: #5C6BC0; font-family: "><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; line-height: 22.5px; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">TGES线上实时交流活动次卡免费试用</strong></span></strong></span></p>
<p style="text-align:center"><img alt="" src="/files/course/2021/06-28/170847f5a621805718.png" /></p>
<p align="center" style="margin: 0px 0px 15px; padding: 0px; clear: both; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"><strong helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: rgb(0, 0, 0); font-size: 15px; text-align: justify; text-indent: 34px; caret-color: rgb(255, 0, 0); font-family: "><span style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; color: #EF7060; letter-spacing: 1px; background: #FFFFFF; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;">添加微信即可获得</strong></span></strong></p>
<p align="center" style="margin: 0px; padding: 0px; clear: both; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; color: #5C6BC0; font-family: ">实时活动预告与回顾请浏览网站www.cfrisk.org</span></strong></p>
<p align="center" style="margin: 0px; padding: 0px; clear: both; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"><strong style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; box-sizing: border-box !important; outline: none 0px !important;"><span helvetica="" neue="" style="margin: 0px; padding: 0px; max-inline-size: 100%; cursor: text; font-size: 15px; color: #5C6BC0; font-family: ">或加TGES交流小程序 APP获得动态通知</span></strong></p>
<p align="center" style="margin: 0px; padding: 0px; clear: both; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;"> </p>
<p align="center" style="margin: 0px; padding: 0px; clear: both; text-align: center; max-inline-size: 100%; min-height: 1em; cursor: text; text-indent: 0em; box-sizing: border-box !important; outline: none 0px !important;">天弈APP下载</p>
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