作者彙整： aiqingbian

An industry is mature, through the period of profiteering, the more mature the industry, the more employees, 還卡數the industry will naturally survive the fittest, in the wind pigs will fly up, but only after the tide to know who is swimming naked.

The more mature the industry, the more intense the competition, the more transparent the IT level, the lower the profit margin of the industry. In fact, it is the same as selling things, before the purchase price of $3 things can be sold for 30 yuan, but once the 借貸competitors come, there will be a price war, you drop the price to 20 yuan, the opponent will drop the price to 10 yuan, you drop the price to 5 yuan. The opponent can directly reduce the price to 3.3 yuan, and finally there is no way you can only reduce the price to 3.3 yuan, after all, there is still 0.3 yuan of profit, profit margin from 900% down to 10%.

But if you think about it the other way around, the profit margin of many mature industries is actually about 10% -30%. The dividend period for this industry has passed, and what you earn is what you earn. In other words, you used to earn industry dividends, you are now earning sweat equity.

Since 2008, the U.S. Federal Reserve-led quantitative easing monetary policy, there has been a lot of monetary over-issuance and watering down. At one time, the financial markets were very active and growing very fast. With sufficient funds and market economy, coupled with various financial innovations, various bank loans, P2P online loans, private banks, microfinance, etc. blossomed.

The prosperity of the financial products market, the natural environment has attracted more capital and talent 成立海外公司development into the unevenness of the personnel has created chaos in the industry. Just like the P2P network lending by financial enterprises innovation, evolved into a drumming game, once the practice management platform skyrocketed to more than 7,000 (there are still some students violation of the small platform company has not been officially reported through the registration information), but we have now become everyone knows that under the national regulatory system to be able to directly clear up. One is not left, a chicken feather.

The same is true for small online loans. Before last year, there were at least thousands of well-known, unknown and unlicensed licenses in Shenzhen. When state regulatory policies were introduced last September to crack down on private lending, there were just over 100 licensed businesses left, but no more than 10 in the active market. And risk control policies have become stricter, such as the current salaries are not paid salaries, it is difficult to approve without quality units, the business does not have housing (some small lenders are not approved without deep housing), or the turnover is not high, even if the approved volume is not very high.

We should know that in the past, any salaried person who paid wages on behalf of the salary was not a big problem as long as he accepted an interest of 1 million dollars, and the owner of a small convenience store could usually raise more than 2 million dollars.

In those days money was not money just a number, loan practitioners, with a little diligence, basically make a large sum of money. It was not a problem to put a few million things a month. The commission is 2% , a few dozen dollars a month. In addition some customers will also charge a little money. Basically, it is a high income group.

In fact, finance is essentially for the real service. At present, the real economic environment is not good, the overdue rate has increased significantly. The more you borrow, the more the boss loses. When I used to make small payments, I helped the company to collect once. The owner of the top ten companies in the domestic optical lens industry was once really brilliant, and then borrowed money everywhere to invest in R&D VR. The result was that the VR market never caught fire, and was so heavily in debt that only a warehouse of VR glasses remained. When we went to collect them, the owner was really smart. The owner’s investment failed and there was nothing he could do.

Over the years we have not been engaged in the loan service industry, many company owners feedback that business is not good, many people borrow money is a in order to give business “life" are struggling just. Just a kind of expectation to boil some social competitors, expect the recovery of the industry, expect to return to the old days. It even leads them to not want to keep expanding economic development.

If the real economy is not good, the development of the financial lending industry will be more difficult. Of course, this industry is not easy to do. The profit source of finance can only be a part of the profits of the real economy. Simply put, the financial lending industry can only get a little soup when the real economy makes money. Once finance is separated from the real economy, it is a purely monetary game that has no meaning.

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現在中國這個季節，還是一個比較冷的，而且小編已經很久沒有學生感受到陽光的溫暖了。還好現在家家戶戶都有洗衣機，不用進行直接可以接觸到冷水，但是通過這樣企業依然會帶來很多研究問題乾衣方法，就算幫助需要我們不能解決了洗衣服的問題，但是同時由於我國現在對於這個季節缺少太陽，衣服很難晾幹，如果不小心收盡衣櫃裏還有一種可能發黴，影響衣服的質量。今天小編就告訴大家幾招如何有效解決這些衣服晾不幹的問題。

提示1：用鐵幹燥幹燥

如果因為天氣或其他原因很難變幹，但你急於穿它，就試試。首先把衣服和吹風機沒有幹燥的乾衣方法地方小心吹幾分鍾，這一次衣服可能呈現幹燥狀態，但不一定是幹，然後我們將使用鐵，這不是告訴我們使用熨鬥濕衣服，所以很容易損壞衣服。所以我們需要准備一張薄紙，把它放在潮濕的地方，然後用鐵熨燙，這樣它就可以通過高溫熨燙。

第二招: 用微波爐烘幹衣服

這個管理辦法就是你想學習不到吧?其實自己偷偷告訴你，從家政阿姨那裏偷學到的哦。但是我們這個問題辦法通過使用方法之前發展需要先做一件事，那就是先用幹毛巾把衣服裏面的

乾衣方法

水汽吸一吸，然後找一些家裏面的人不用的廢舊報紙，其實對於廢舊報紙吸水的功能方面也是一個很好的，大家都是可以試一試。用廢舊報紙把衣服完完整整的包起來，如果企業擔心沒有損壞衣物，可以多包幾層，然後把它放入微波爐裏面，打開微波爐加熱，注意不能掌控工作時間，不要用太長時間，四五分鍾就可以把衣服給烘幹了。如果不是你家真的已經出現因為這種教學情況，可以試一試哦，小編親身實踐檢驗過，確實很有效呢。

小貼士3：用冰箱烘幹衣服

這個方法說你可能很困惑，冰箱本來不是冷凍的，如果是冰箱，也不是為了幹衣服就更糟，但其實我們錯了!

下面小部分向大家詳細解釋。 這種方法適用於冬天特別難幹的衣服。你可以用洗衣機把它們烘幹，然後用塑料袋包起來放在冰箱的頂部。 下層直接凍硬，放在冰箱上層幾個小時，取出搖勻幹燥，然後放在外面晾幹，這樣衣服就可以快速晾幹了。 很多人都是這么做的。

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說到給孩子買衣服，父母往往更關注他們是否漂亮、是否舒適、是否劃算。

畢竟，孩子們長大很快，不久他們就得買新衣服，所以衣服的安全性總是被忽視的。

甚至有些家長不認為衣服有安全隱患。

然而，在中國，甚至在世界各地，都有很多孩子被衣物傷害甚至致死。

事故發生原因，幾乎我們都是一個衣服進行設計上的繩帶被滑梯、電梯縫隙卡住，而窒息死亡。

這次，花父整理了國家質量監督檢驗檢疫總局由缺陷產品管理中心發布的，關於嬰幼兒服裝消費的警告。

看看如何為您的孩子選擇正確和安全的衣服

有這些衣飾，要慎選!

帶有繩帶部件或設計

許多兒童服裝，特別是秋冬季節的女童服裝和連帽衫，都有吊帶、繩索、環等設計。

如果繩子太長，繩端有毛球等裝飾物，容易形成活結和繩圈。

在玩耍的過程中，極可能會被中國家具、電梯、交通管理工具、滑梯等遊樂設備設施上的突出物、縫隙纏住或夾住，從而可以導致出現窒息甚至沒有死亡。

同樣，褲子也有繩子，或者繩子在褲子底部，因為長繩子很容易導致孩子絆倒或摔倒。

配有拉鏈、紐扣等五金裝飾配件

很多孩子都有拉衣服和咬衣服的習慣，而且孩子衣服上的拉鏈頭、扣子等都是小零件。

當這些附件因抗拉強度弱或不足而脫落時，很容易被兒童吞食。

這些研究附件進入呼吸道後可能會出現堵塞呼吸道問題導致窒息;

進入消化道後，會導致腸梗阻、腸管擴張，當病情嚴重時，會導致腸穿孔、腸壞死，甚至危及生命。

拉鏈卡在食道中間，長時間可能引起潰瘍

此外，還有很多人造鑽石和亮片粘在衣服上，也不太小的孩子。

他們很好奇，難免對這些五顏六色的裝飾品感興趣。

如果因為它們之間沒有我們牢牢固定在衣服上，一旦脫落，就很容易被小孩誤食，帶來一些不必要的風險。

如何選擇合適、安全的童裝?

1.不要進行購買無廠名廠址標識的兒童及嬰幼兒對於服裝企業產品。

在購買之前，家長可以根據標識是否完整來判斷兒童服裝是否是合格產品的常規渠道。

檢查是否有說明書和產品標識，包括制造商名稱、地址、產品名稱、型號、安全警告和適用標准。

2.不要進行購買有刺激性食物氣味的衣服。

在購買之前，你應該檢查一下是否有刺鼻的味道或其他異味，如果有刺鼻的氣味，就不要購買，以免因為過量的化學物質而影響兒童的健康。

新買的衣服在孩子們穿之前必須洗幹淨。

盡量選擇款式簡單的衣服。

不建議給7歲以下的孩子買脖子或帽子上有自由端繩帶的童裝，或者腰背部有抽繩伸出的童裝。

4.盡量可以選擇通過附件較少的服裝。

如果發現有紐扣、拉鏈、硬裝飾等配件，可以考慮丟棄裝飾配件。

5. 服裝的定期檢查和修理。

檢查扣子是否松動或螺紋松動，確保兒童扣好後穿著;

加固鈕扣或拉鏈頭;

檢查邊緣是否有尖銳的毛刺，以避免劃傷。

網絡進行貸款近些年經濟發展變化趨勢較快，網絡銀行貸款企業發展研究趨勢快速，且貸款總數多見平台。假如必須 貸款的人都是非常容易尋找自己一個國家貸款管理平台，那麼在網上貸款就會有限定，但不一樣的平台對貸款人有不一樣的優點和規定。很多人認為對於此事一無所知。消費貸款如何貸呢?消費金融貸款產品種類有什麼呢/為了能夠更好地協助大夥兒更強的了解，下邊我們中國一起詳盡地了解分析一下吧低息私人貸款。

一、消費貸款如何貸

消費貸款可以立即向貸款機構申請，一些貸款機構的消費貸款可以根據貸款應用程序在網上處理。如果是來自金融機構的消費貸款，將會有很多種應用方式，根據手機銀行應用程序、個人網銀、微信公共平台等方式私人貸款計算機。

(二) 消費貸款有哪些類型

1.我有一筆短期個人信用貸款。暫時要求貸款人辦理貸款人人為因素的公開業務流程申請，由貸款人發放，無貸款擔保期限不超過一年的人民幣個人信貸，信貸限額為二千元至二萬元，不超過借款人平均月工資收入的六倍。貸款不得延期。

2.我的綜合消費貸款。是貸款人向借款人發放的，不以限制實際消費為主要目的，以貸款人認可的權益抵押或可以合理、合法、合理的不動產為擔保，貸款金額在2000元至50萬元之間，期限為半年至三年的人民幣貸款。

3、本人度假發展旅遊消費貸款。是貸款人向借款方派發的用以付款旅遊管理費用、以貸款人認可的有效用享有的權益作抵押融資擔保公司或有有償還相關工作學習能力的企業或本人做為還款貸款等額本息貸款風險共存擔法律社會責任的擔保人給予我們確保，貸款額度在2000元至五萬元、限期在六個月至二年、且給予很多於傳統文化建設旅遊服務項目通過具體產品價格30%第一期支付方式的人RMB貸款。

4.國家學生貸款。還分為一般授予貸款和貸款非常貧窮的學生，這是人民幣關鍵貸款分配的貸款人在全日制大學的學生支付培訓費用和生活費用和折扣貸款的“特殊存款賬戶資產”開設的教育局。

5. 個人汽車貸款。 貸款人向借款人出具的，用於在委托代理機構購買汽車，用於購買汽車的擔保，保證以貸款人或有能力償還貸款的企業認可的權益或承擔貸款法律責任的擔保人以相同本息質押貸款。 首期購車資金存入貸款金融機構，貸款額度最高為購車資金的70%，人民幣重點貸款最長期限不超過5年。

6.申請房屋貸款。貸款人向借款人發放的貸款，用於購買普通住房或用於城鄉居民修建住房，用於在金融機構存放購房款的第一期，並提供貸款人批准的質押、質押貸款或擔保，最高貸款額為購買最長期限為30年的人民幣重點貸款的70% 。住房貸款分為自籌住房貸款、核定住房貸款和住房組合貸款三種。

大家已經知道消費貸款的種類了。這幾類消費貸款都比較常見，大家可以選擇適合自己的貸款方式，這樣生活壓力會相應小一些。

總的來說，根據學生之上的內容我們教師可以通過了解消費貸款的方式也比較多，像app，個人網銀這些問題都能進行申請辦理的。一般情況來說，消費金融貸款公司關鍵有六大類型，分別是本人短期內實現個人社會信用風險貸款，本人綜合性消費貸款，本人度假旅遊發展貸款，國家助學貸款，本人買東西貸款，住房貸款。這六種也是大夥兒很常見的，假如人們生活環境壓力管理較為大得話，提議挑選一種選擇合適自身的消費貸款，減輕臨時的工作學習壓力。假如你也有很多別的有關技術難題，都能夠來了解到了大家

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個人信用を包括的に理解するには、この記事を読めば十分です

Facing the problem of heavy cooking fumes in China, we often have to cook without a range hood. The newest addition to the range is the newest addition to the range. In addition to knowing how to choose one with high suction power, we also need to look at the size 抽油煙機.

1. Air pressure

Air pressure is an important indicator in the selection of a cooker hood and determines whether or not the fumes can be discharged smoothly outside. If you live on a high floor. If you live on a high floor, the exhaust pipe is longer. When you are far from a public flue, you need to choose a hood with a relatively high air pressure.

2. Airflow

Airflow refers to the speed at which a cooker hood exhausts smoke. The greater the value of the airflow, the better the effect of the smoke extraction it can quickly expel a large amount of grease in the kitchen, but it does not mean that the greater the airflow the better, because the airflow is often accompanied by strong noise, so we need to make a certain 抽油煙機.

3. Noise

Noise is the A-sound power level of a range hood measured by the prescribed method at a rated voltage and frequency. Generally speaking, a range hood with a noise value below 60dB(A) is relatively quiet and a range hood with a noise value above 70dB(A) is relatively loud.

4. Cleaning

Over time, grease can build up inside, which not only affects the effectiveness of smoking, but also costs us more time, effort and money to clean.

Therefore, when purchasing, you can pay attention to whether the hood has a self-cleaning function, such as electric heating self-cleaning, steam cleaning, etc., to avoid frequent cleaning, and also to reduce manual disassembly and cleaning of the internal parts of the hood, extending 抽油煙機.

Learning to choose a reliable and practical range hood not only directly enhances the cooking experience, but also keeps the kitchen air fresh and protects our health.

Pets play a role in our lives as “companions" and their status in our homes is rising because of their cute appearance and observations.

But there is a different group of people who love a small animal, but have some allergies to their hair.

In this case, you want to improve your pet’s cuteness, air purifier for pet allergies but also to take full account of your family’s feelings, it is really difficult to make a choice.

Are your family members allergic to their pets?

When a family member is allergic to their pet, mild rashes, itching, allergic rhinitis: stuffy nose, itchy nose, runny nose, sneezing. Conjunctivitis. People who are overweight may experience asthma and breathing difficulties.

What can I do if I don’t want to give my pet away and I’m concerned about my family’s health?

If the symptoms are not serious, you can use the following common sense methods.

One, allergens, mainly through their dander, saliva, urine, etc.. As long as we are not licked or bitten, supervise and manage to wash your hands immediately after touching them.

Second, keep a “clean slate" at home so that pets can’t get in and prevent allergens from accumulating on mattresses and bedding. Clean the room harder than before, use an air purifier with a high-efficiency filter, and avoid using carpet. Of course, when you enter it, try to be as much of a foreigner as possible, or take a bath.

Control the contact time between your pet and your family, and in case of allergic symptoms, stop immediately and let your family relax in the bedroom.

The pet’s hair is small, short, and does not shed easily, and if conditions permit, the pet should be bathed frequently and the uncle should comb his hair outdoors.

With the development of the Internet, online shopping has global gateway credit card processing the focus of people’s consumption, and offline supermarkets have also become more places to buy vegetables. However, online shopping is the Internet after all, and there are still many card friends who are prone to encounter problems, so the problem that card users are more concerned about is the explanation and solution.

2. Don’t borrow money to pay off your credit card. Instead of spending money on groceries, don’t borrow money to pay your bills.

This happened once in Japan. At that time, the interest rates of Japanese banks were low, and many ordinary people never paid attention to credit card overdrafts. What’s more interesting is that for credit card overdrafts, the Bank of Japan basically gives a buffer period of three months or even longer. This has led to many people still willing to swipe their cards even with negative equity.

Once the buffer period has passed, the bank will step up the collection, and the number of times is very frequent. If the overdraft credit card is used to purchase Chinese commodity information in installments, the commodity has a great impact and may be confiscated by the student for corporate mortgage. In order to solve this problem for themselves, many people go to other commercial banks to continue to apply for a credit card, and then withdraw cash to pay off the expired credit card.

But credit information is correlated, and it won’t take long for most banks to issue another credit card to this person. Many are forced to find microloans to repay them to ensure they can use this credit card.

Microloans also increase the interest rate slowly based on how much the person borrows. Borrowers are like entering a bottomless pit with no way out. As interest increases, the debt gets bigger and bigger. More and more debt, income beyond their means, make many people desperate.

3. Try to repay in full and on time

Before I started working, my income level was not too high. I often shopped online to find things that my students and children liked. In desperation, I used Chinese credit card information to analyze online shopping. But for my own development, I have always been able to repay in full and on time, and I have insisted on it for about a year. Although they did not receive a call from the bank for payment, they basically went out with half a month’s salary because the interest was calculated later. It is a good habit to repay in full on time. After all, everyone needs money urgently, but they must repay on time and develop a good habit of clearing debts in the current month.

Although we don’t use a physical credit card for online credit card purchases, we actually use credit card limits for transactions, so in most cases, online purchases still fall under the category of credit card purchases. But Xiaobian must remind you that not all banks use credit card consumption to summarize, and some banks will only use the credit card transaction information of the credit card machine as the credit card number and data source. Before the cardholder spends online, it is best to ask the card-issuing bank whether it is a card-swiping behavior.

After the day is cold, the room window ventilation has become a very critical thing. Long-term not to open the window is very easy to sense seven pathogenic bacteria, especially in the autumn and winter season, should pick the appropriate time point, or lg puricare air purifier circulation may not be the air. In some houses that have just been decorated. Open the window is more critical, the room has especially a lot of harmful substances, residual in the room will be digested and absorbed by the body, harming physical and mental health.

Small flowers today to teach the big guys a few aspects of natural ventilation tips, very good, come in and learn.

One, the best time to open the window

The best time to open the windows should be in the morning and afternoon, because there are some harmful substances in the air in the morning and dusk, this time to open the windows, harmful substances will be released into the room, people sucked into the body will be harmful to physical and mental health, open the windows instead, such as not open the windows. Open the windows from 10:00 am to 3:00 pm, which is also the neatest time range of air. Morning and dusk will need to remember to close the doors and windows, due to the turbidity of the air in these two time frames.

Second, the home can put a few plants of water

Water evaporation can make the air more and more humid, especially in the dry weather in autumn and winter, in the sink plus some vinegar, that can also remove the odor in the room, especially some very heavy smell of furniture, put a pot of water with vinegar next to it, that can reduce the smell.

Third, do not open the windows in the rain to ventilate

When it rains, precipitation will flow in, wet furniture, there is a possibility that the room is getting wet and cold, and then mold. Therefore, to select the natural ventilation in sunny weather. Do not open windows in the rain.

In winter, the temperature is colder, so many people refuse to open the window, in fact, this is also unhealthy, winter air is not easy to commodity circulation, you can open the window moderately, but not open more, or the wind will be blown into the people will be cold.

Fourth, the case of cooking the smoke machine open

Restaurant kitchen is the site where we all stay every day, the process of cooking must be turned on the smoke, or else the fumes can choke everyone. Hazardous to physical and mental health. Kitchen fumes will continue to smoke the walls, careful observation will understand that there is especially a lot of dirt in the smoker, especially not environmental health. Usually also pay attention to the restaurant kitchen window ventilation. Both can make vegetables and fruits fresh, and can make us inhale the freshest air. Organic waste gas in the kitchen is very easy to collect in the large living room and bedroom, thus it is critical to immediately exhaust out the organic waste gas.

Five, install exhaust fans

In the absence of wind, you can usually use exhaust fans to ventilate the air. Generally used in the bathroom, there are some no windows in the bathroom, the inside is usually installed exhaust fan, you can exhaust out of the room does not flow of air. But in the exhaust fan will appear very loud noise, and the actual effect of natural ventilation is not as good as opening the window. And can produce efficacy of the standard is relatively small.

Six, the case of open windows do not have to open the window full

There are some areas sharper, the wind blowing over is not conducive to maintaining the wall. Can choose to open half. In even rainy, windy temperatures more can not enlarge the window, you can choose to open a little or immediately do not move.

Seven, put some activated carbon

We all know that activated carbon can digest and absorb harmful substances, put activated carbon in every corner, can maintain air cleanup. You can also put some green plants at home that can digest and absorb harmful substances to purify the air and protect your eyes.

Just finished decorating the new house, do not rush to move in, about natural ventilation up and down a month before considering to move in. You can also move in a few green plants during the period.

The multi-parameter monitor is a medical servo device used to ekg monitor many technical parameters such as blood pressure, blood oxygen saturation, ECG, respiration, body temperature, etc. It is one of the most commonly used medical facilities and equipment problems in the ICU. It is said that they are all studying in the intensive care unit. And with the increase in the number of critically ill patients, many Chinese hospitals have established ICUs, and the utilization rate of multi-parameter monitors has also greatly increased. It is precisely because of the importance of the use of multi-parameter monitors that some miniaturization and portability have always been an important role in the research and development of multi-parameter monitor equipment management.

In order to adapt to different medical environments, the different physical structures of monitors can be divided into single-parameter, multi-parameter, plug-in and other types. Among them, multi-parameter monitors have the most obvious product advantages and are therefore the most widely used. Clinically, the application of multi-parameter monitor can enable medical staff to detect sudden arrhythmia, myocardial ischemia, myocardial infarction, hypertension, early shock, hypoxemia and other symptoms in time. In addition, the device is also very helpful for drug therapy. After the patient takes the medicine, the medical staff can regularly observe the changes in the physiological parameters to determine the effect. If there is no effect, the drug can be changed in time. Because everyone’s physique is different, so everyone’s performance performance is also different, this phenomenon is very normal.

The use characteristics of multi-parameter monitor

The multi-parameter monitor can monitor 3 to 6 leads, which greatly improves the accuracy of arrhythmia identification and alarm without false alarms. In addition, if an individual monitoring lead falls off, the system will automatically select another lead to protect the monitoring state, which is especially intelligent.

Notes on use:

When using, it is preferred to place electrodes on less flat and dry body parts, and the skin should be cleaned before installation on the patient, such as: shaving body hair, washing with soap and water. Second, we have to fix the hidden buttons. Finally, place the electrodes on the patient and clamp the leads to the bed. Do not pull the patient over the wire.