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學習快評丨qibao666888　　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??(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?(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??(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)??。??　　從??(cong)記??(ji)者??(zhe)采??(cai)訪??(fang)情??(qing)況??(kuang)來?(lai)看??(kan)??，不??(bu)論??(lun)是??(shi)哪??(na)一??(yi)種??(zhong)“先??(xian)學??(xue)后??(hou)付?(fu)”模??(mo)式??(shi)??，接??(jie)單??(dan)方??(fang)面??(mian)都??(dou)存??(cun)在??(zai)各??(ge)種??(zhong)各??(ge)樣??(yang)的??(de)“坑??(keng)”??，先??(xian)前??(qian)承??(cheng)諾??(nuo)的??(de)“單??(dan)子??(zi)多??(duo)??，可??(ke)隨??(sui)意??(yi)賺??(zhuan)到??(dao)學??(xue)費??(fei)”的??(de)情?(qing)況??(kuang)少??(shao)有??(you)培??(pei)訓?(xun)機??(ji)構(gòu)??(gou)能??(neng)做?(zuo)到?(dao)??。??。