摘🎫(zhai)   要🤹(yao) 　　2023年💋(nian)，国🐋(guo)家🤮(jia)金😝(jin)融🐌(rong)监😇(jian)督✒(du)管🛹(guan)理👤(li)总♓(zong)局🤒(ju)发🈹(fa)布🚙(bu)《商🥤(shang)业🏫(ye)银📺(yin)行⭕(xing)资🏁(zi)本🤖(ben)管😃(guan)理🏸(li)办🙄(ban)法🤨(fa)》，推✍(tui)动🎚(dong)银🤵(yin)行🔢(xing)提🏞(ti)升🍉(sheng)风👛(feng)险🏺(xian)管🤩(guan)理😪(li)水🌲(shui)平🍞(ping)
其🔱(qi)中🔋(zhong)，对⏲(dui)于🛋(yu)采🥔(cai)用🍄(yong)权🌴(quan)重👦(zhong)法🌲(fa)计🏣(ji)量🦕(liang)信📗(xin)用👐(yong)风❇(feng)险😡(xian)加❕(jia)权🛳(quan)资🥪(zi)产🛶(chan)的⏫(de)银🔮(yin)行⏮(xing)，在📃(zai)合📁(he)格💶(ge)信😟(xin)用😇(yong)风🏟(feng)险🕎(xian)缓🐮(huan)释🧤(shi)工🔏(gong)具🎨(ju)种🐰(zhong)类♐(lei)中🈲(zhong)明📒(ming)确🏞(que)增🕐(zeng)加💈(jia)“信⏳(xin)用👍(yong)衍🏛(yan)生🈂(sheng)工📊(gong)具🍃(ju)”子🐁(zi)类🚍(lei)。本🦀(ben)文🦒(wen)探♋(tan)讨🔠(tao)本🐐(ben)次🙍(ci)修💹(xiu)订🍮(ding)对🐼(dui)信👎(xin)用🖐(yong)风🛠(feng)险♏(xian)缓🚒(huan)释🙈(shi)工💨(gong)具🚉(ju)发🍅(fa)展🚰(zhan)的⛩(de)影🕶(ying)响📽(xiang)，同🚍(tong)时🔡(shi)指⏬(zhi)出🌻(chu)在🌶(zai)实💙(shi)务🔀(wu)中💫(zhong)信🏷(xin)用⬛(yong)保👗(bao)护✋(hu)买🎡(mai)方🦎(fang)应🏤(ying)注📒(zhu)意🐺(yi)的📬(de)事🤦(shi)项📼(xiang)。 　　关💁(guan)键📫(jian)词🍯(ci) 　　信😀(xin)用🎣(yong)衍📊(yan)生🎖(sheng)品🛤(pin)　信🛑(xin)用👐(yong)风🚦(feng)险🚏(xian)缓📯(huan)释🅰(shi)　资👶(zi)本🚴(ben)计🏣(ji)量🤖(liang) 　　信🥉(xin)用🕊(yong)风🐵(feng)险🈚(xian)缓🥛(huan)释🕥(shi)工🔚(gong)具⚡(ju)整😁(zheng)体👴(ti)情🍿(qing)况🏟(kuang) 　　（一🍈(yi)）信⏫(xin)用📃(yong)风🚴(feng)险🐂(xian)缓💔(huan)释🐵(shi)工🛎(gong)具🧐(ju)体🧗(ti)系✂(xi) 　　2010年🈷(nian)，中🌁(zhong)国👷(guo)银🚚(yin)行📨(xing)间🤮(jian)市🏞(shi)场🙇(chang)交🎞(jiao)易🍴(yi)商🚖(shang)协🗄(xie)会👟(hui)（以🌆(yi)下🚂(xia)简⛱(jian)称⭕(cheng)“交🚐(jiao)易🧒(yi)商🏣(shang)协🐩(xie)会🕌(hui)”）发🔶(fa)布🏟(bu)《银🐾(yin)行👴(xing)间⛺(jian)市👍(shi)场🚞(chang)信🈵(xin)用🐕(yong)风🈺(feng)险🎇(xian)缓😏(huan)释🐝(shi)工➗(gong)具💊(ju)试🧙(shi)点🏩(dian)业🚣(ye)务💁(wu)指🍏(zhi)引🍁(yin)》。首👮(shou)先🎡(xian)推⌛(tui)出➡(chu)的📸(de)产🐮(chan)品🐮(pin)为⬅(wei)信📹(xin)用💳(yong)风😲(feng)险🎛(xian)缓🤒(huan)释🔠(shi)合💈(he)约🕶(yue)（CRMA）和💟(he)信㊙(xin)用🤸(yong)风🚙(feng)险🧑(xian)缓🍂(huan)释🗄(shi)凭🚲(ping)证🦆(zheng)（CRMW），中🗄(zhong)国🧞(guo)版⭕(ban)的🤖(de)信🐅(xin)用🤳(yong)风🦊(feng)险🧔(xian)管🐤(guan)理👲(li)工♌(gong)具⬜(ju)——“信🌨(xin)用⚾(yong)风⬜(feng)险🕯(xian)缓🐶(huan)释🧚(shi)工🚘(gong)具🛡(ju)（CRM）”正🧝(zheng)式🗒(shi)登🚚(deng)上🕓(shang)历⛷(li)史🐂(shi)舞🦖(wu)台📵(tai)。2016年🕵(nian)，交🧞(jiao)易⌚(yi)商👨(shang)协👤(xie)会😑(hui)进➰(jin)一🔟(yi)步🔩(bu)丰🈴(feng)富🚗(fu)工😸(gong)具💅(ju)种🌻(zhong)类🌫(lei)，推🎏(tui)出📺(chu)信🔗(xin)用🔰(yong)违🍩(wei)约🙋(yue)互🐵(hu)换🍼(huan)（CDS）和🎌(he)信🐣(xin)用😴(yong)联🕺(lian)结🎆(jie)票📇(piao)据🤰(ju)（CLN）。2021年📽(nian)，交🥇(jiao)易🏥(yi)商🍰(shang)协🕌(xie)会🍦(hui)发🔬(fa)布🅿(bu)《关🧛(guan)于⌚(yu)银🎹(yin)行🏗(xing)间🍢(jian)市🏓(shi)场🌙(chang)信💿(xin)用🌮(yong)违🎠(wei)约🍡(yue)互🔥(hu)换✳(huan)指👡(zhi)数🗞(shu)编📶(bian)制😶(zhi)及🌱(ji)交㊗(jiao)易🥣(yi)有🐙(you)关👔(guan)事🚐(shi)项😄(xiang)的🛵(de)通📀(tong)知🐞(zhi)（试🚿(shi)行🚻(xing)）》，推✨(tui)出🎳(chu)CDS，补🌃(bu)充🤗(chong)信📍(xin)用😶(yong)风🔯(feng)险😓(xian)缓🔉(huan)释🐦(shi)工🔓(gong)具🗃(ju)中🥄(zhong)指👷(zhi)数🐡(shu)化🧝(hua)产🚡(chan)品🔵(pin)缺🚬(que)失🧡(shi)的🐦(de)短🌒(duan)板📿(ban)。 　　（二🏃(er)）信🌀(xin)用👂(yong)风🤞(feng)险🚂(xian)缓💣(huan)释🤒(shi)工🐗(gong)具🔻(ju)发🎽(fa)展⬇(zhan)情💖(qing)况🆑(kuang) 　　2014年💯(nian)以🗓(yi)前😁(qian)，我😯(wo)国🐆(guo)债🏖(zhai)券👨(quan)市💸(shi)场🐀(chang)违🍘(wei)约🥫(yue)较📎(jiao)少👲(shao)，对🕹(dui)信💄(xin)用👟(yong)风🔒(feng)险⏮(xian)缓🤙(huan)释🚆(shi)需📹(xu)求📰(qiu)较🐴(jiao)小💰(xiao)。从🥕(cong)2015年🚖(nian)开🐢(kai)始🌜(shi)，民🍕(min)营🌔(ying)企🍌(qi)业🍔(ye)发🕜(fa)债💈(zhai)难🍫(nan)、融🔪(rong)资🤟(zi)难🍸(nan)问🚀(wen)题🅿(ti)凸📶(tu)显🌌(xian)，违🌝(wei)约👃(yue)主🎩(zhu)体⏳(ti)多😄(duo)以❔(yi)民🍜(min)营🗣(ying)企⛩(qi)业👗(ye)为🐑(wei)主❇(zhu)。为🏩(wei)支🐰(zhi)持🔯(chi)民🤽(min)营🎇(ying)企💣(qi)业🧓(ye)发🕚(fa)债📖(zhai)融🚘(rong)资🔝(zi)，交💜(jiao)易🐹(yi)商🖖(shang)协👝(xie)会🌗(hui)2018年🍦(nian)推🎀(tui)出🚦(chu)第🍨(di)二🦂(er)支♒(zhi)箭📩(jian)——民😟(min)营🛫(ying)企🐉(qi)业🐐(ye)债🛴(zhai)券🎴(quan)融💍(rong)资🈲(zi)支⛏(zhi)持📖(chi)工📼(gong)具🤞(ju)。同🕳(tong)时🚀(shi)，信🌕(xin)用🔞(yong)风😐(feng)险🏋(xian)缓💹(huan)释📜(shi)工♟(gong)具🐼(ju)也🚂(ye)取🌉(qu)得🌞(de)长🧘(chang)足🅿(zu)发🤦(fa)展🏼(zhan)，创⛷(chuang)设🐠(she)金🗽(jin)额💚(e)迅😭(xun)速🍭(su)提🐑(ti)升🍩(sheng)。在🧓(zai)积📉(ji)累👜(lei)丰💯(feng)富🦋(fu)经🏇(jing)验🎞(yan)后🈯(hou)，交🌾(jiao)易💕(yi)商😈(shang)协✖(xie)会🗺(hui)于🛅(yu)2022年🎈(nian)将🤭(jiang)房🛃(fang)企🌕(qi)纳🐴(na)入Ⓜ(ru)民🎨(min)营🍪(ying)企💩(qi)业🕒(ye)债🧔(zhai)券🤚(quan)融📕(rong)资🕶(zi)支🔶(zhi)持🏈(chi)工🕞(gong)具🚺(ju)范👗(fan)围🌨(wei)，当🧀(dang)年😔(nian)创🌂(chuang)设💺(she)了🔵(le)6笔🚷(bi)CRMW支🐎(zhi)持✍(chi)新👍(xin)城⏩(cheng)控🛺(kong)股🏢(gu)、万🙋(wan)达👧(da)集📗(ji)团🚔(tuan)、美🎤(mei)的🏞(de)置🤹(zhi)业👽(ye)3家🌱(jia)民🧘(min)营🥪(ying)房🥥(fang)企🎭(qi)发🎨(fa)债🔞(zhai)30亿🎤(yi)元😸(yuan)，有🏯(you)效🙁(xiao)发🏵(fa)挥👢(hui)了👃(le)为🐿(wei)民🚒(min)营⏸(ying)房🗝(fang)企🌼(qi)融🍩(rong)资✔(zi)纾🙏(shu)困🥟(kun)的🅰(de)示🈁(shi)范💜(fan)效🐡(xiao)应🍿(ying)。未💠(wei)来💞(lai)，随🔝(sui)着💟(zhe)政👷(zheng)府🕙(fu)债🍾(zhai)务🈁(wu)化💓(hua)解🧑(jie)的🌉(de)推🐐(tui)进🤫(jin)，如🚸(ru)果🎅(guo)城⛏(cheng)投🏕(tou)企🖍(qi)业🏅(ye)融📛(rong)资🚢(zi)受🤞(shou)到😠(dao)影⛺(ying)响👭(xiang)，信🏊(xin)用🦊(yong)风👯(feng)险🛺(xian)缓🛒(huan)释🗒(shi)工🐼(gong)具📉(ju)可〽(ke)能🏙(neng)会🗼(hui)发🛢(fa)挥♿(hui)更🔆(geng)大🥂(da)作💻(zuo)用🧘(yong)。 　　（三🦆(san)）信🈷(xin)用🏅(yong)风📩(feng)险📧(xian)缓🎞(huan)释🌉(shi)工🥧(gong)具⛵(ju)发🐷(fa)展🍶(zhan)特🤰(te)点🦄(dian) 　　信🥋(xin)用👆(yong)风😱(feng)险🛃(xian)缓🐲(huan)释📋(shi)工👐(gong)具🌎(ju)仍🌛(reng)处🐸(chu)于🐙(yu)加🥋(jia)速🌿(su)发🧗(fa)展🌽(zhan)阶💕(jie)段🏌(duan)，近🗓(jin)年🏌(nian)来🗯(lai)表📂(biao)现🚨(xian)出👢(chu)如🆎(ru)下🐛(xia)特🚉(te)点📧(dian)。 　　一🏆(yi)是☝(shi)凭🏋(ping)证💈(zheng)类🥃(lei)品🖐(pin)种🤩(zhong)占🤶(zhan)比🔦(bi)较🈁(jiao)大🥝(da)。CRMW长⚾(chang)期🗃(qi)占💖(zhan)据👯(ju)绝💹(jue)对🏢(dui)比🎍(bi)重🔎(zhong)；2022年🍤(nian)CRMA规🔖(gui)模🏗(mo)大😰(da)幅🕞(fu)增🔵(zeng)长🏯(chang)，交🍲(jiao)易📧(yi)119笔⏯(bi)、213.24亿📹(yi)元🌰(yuan)，笔🚪(bi)数🕸(shu)和🥃(he)名🏑(ming)义🔋(yi)本🏦(ben)金🔬(jin)同😮(tong)比🕷(bi)分➗(fen)别🍛(bie)增🐲(zeng)加⏳(jia)325%和🦉(he)464%，名⛩(ming)义⛏(yi)本🏙(ben)金🏡(jin)占📄(zhan)比👙(bi)由🗝(you)2021年🌬(nian)的😍(de)9%提💔(ti)高🧥(gao)至😉(zhi)40%。2023年🍻(nian)上🥋(shang)半😴(ban)年💗(nian)，CRMW名🚞(ming)义🤛(yi)本⛽(ben)金🐪(jin)占🎫(zhan)比🥡(bi)为⚡(wei)65%，CRMA名🈸(ming)义🌯(yi)本📀(ben)金🔔(jin)占😈(zhan)比🗂(bi)为🥋(wei)29%，二💝(er)者💆(zhe)仍🥙(reng)为🥌(wei)主😈(zhu)力♓(li)品🛣(pin)种😌(zhong)。 　　二🕢(er)是😾(shi)助🏜(zhu)力✝(li)民🐱(min)企🥡(qi)融😭(rong)资🌩(zi)。挂😑(gua)钩🍖(gou)民🔜(min)营🤤(ying)企🧤(qi)业😝(ye)的🎢(de)产💈(chan)品😿(pin)保🍈(bao)持🚀(chi)旺🎴(wang)盛🃏(sheng)发🖕(fa)展🌙(zhan)势🚞(shi)头🌸(tou)，持❤(chi)续🍾(xu)助🌾(zhu)力🌦(li)民🎬(min)营🐽(ying)企🙃(qi)业🔺(ye)融🌬(rong)资🚦(zi)。2020—2022年🖱(nian)，先🍗(xian)后🔥(hou)有👚(you)55、66、37只➗(zhi)产🙍(chan)品🏑(pin)挂📘(gua)钩🦄(gou)民🎳(min)企🏮(qi)债🕥(zhai)券📿(quan)，支🚲(zhi)持💿(chi)民👮(min)企🍄(qi)债🥅(zhai)券🚥(quan)发🔢(fa)行👙(xing)规⭐(gui)模😖(mo)分🌒(fen)别➖(bie)为🎷(wei)192.10亿😭(yi)元🏚(yuan)、269.20亿🥍(yi)元🐡(yuan)、109.60亿⛑(yi)元🦒(yuan)。2023年🎯(nian)上⌚(shang)半🛡(ban)年🐑(nian)，挂💦(gua)钩🏆(gou)民🥤(min)企🕝(qi)债🖇(zhai)券⏰(quan)发🍖(fa)行🤞(xing)的🐥(de)CRMW20笔🍂(bi)，支🥨(zhi)持⬆(chi)55.43亿⏯(yi)元🔏(yuan)民❎(min)企💥(qi)债🕠(zhai)券🔄(quan)发📀(fa)行🍽(xing)，同🐩(tong)比🚃(bi)增🌵(zeng)长🛌(chang)37%，其📤(qi)中🐽(zhong)4笔🔚(bi)业🐑(ye)务🔍(wu)为🤮(wei)支🍩(zhi)持🎿(chi)民😒(min)营🐮(ying)房🤤(fang)企🌽(qi)融🍧(rong)资🦂(zi)纾🏀(shu)困🛣(kun)。 　　三🙁(san)是📈(shi)商🍃(shang)业⏱(ye)银💩(yin)行🚨(xing)为🆑(wei)主🛌(zhu)要❔(yao)创🈹(chuang)设⛺(she)机🛵(ji)构🛳(gou)。2022年👬(nian)，CRM交🌝(jiao)易🚉(yi)净👷(jing)卖㊙(mai)出🥁(chu)机🍝(ji)构🐥(gou)主📭(zhu)要👐(yao)是🚿(shi)股🔜(gu)份🖋(fen)制🗼(zhi)银😰(yin)行📬(xing)、城🏧(cheng)商🏇(shang)行🌽(xing)和🌟(he)国👌(guo)有💱(you)大🛸(da)型🍩(xing)银⛸(yin)行📞(xing)，净🌯(jing)卖🧜(mai)出🥕(chu)名🚺(ming)义🕜(yi)本🍘(ben)金💟(jin)合🥉(he)计🎤(ji)达🆒(da)到🕛(dao)251.32亿🐏(yi)元🏿(yuan)。2023年🌅(nian)上⛩(shang)半🐡(ban)年🕰(nian)，股♋(gu)份⛳(fen)制🚌(zhi)银🉐(yin)行😼(xing)、城🥥(cheng)商🎾(shang)行⚪(xing)和🚦(he)国🧥(guo)有🔷(you)大💨(da)型🛑(xing)银🏜(yin)行🖖(xing)CRM交📙(jiao)易🤽(yi)净😣(jing)卖📻(mai)出🔵(chu)名🐕(ming)义🐠(yi)本👳(ben)金🔝(jin)合💋(he)计🚞(ji)为🚃(wei)177.20亿🧕(yi)元🖲(yuan)。 　　整👎(zheng)体🎪(ti)来😰(lai)看👸(kan)，信🍂(xin)用😹(yong)风✉(feng)险📡(xian)缓📄(huan)释🚾(shi)工🎃(gong)具🔺(ju)发🔍(fa)展🔵(zhan)势🥜(shi)头🧕(tou)良🦍(liang)好🚛(hao)，但🐕(dan)在🎉(zai)实🦔(shi)际🧓(ji)业🔚(ye)务👫(wu)中🔁(zhong)也🎌(ye)存🚼(cun)在🔤(zai)一💗(yi)些🔩(xie)痛🐠(tong)点♌(dian)，限🐟(xian)制🤦(zhi)其🖊(qi)发⏭(fa)挥📗(hui)更🎰(geng)大😰(da)作〽(zuo)用📈(yong)。例🕯(li)如🐦(ru)，根👆(gen)据🎎(ju)《商🛡(shang)业🍹(ye)银🎤(yin)行🥀(xing)资😦(zi)本🧐(ben)管🏾(guan)理🐆(li)办📥(ban)法👶(fa)（试📻(shi)行🐫(xing)）》，在💻(zai)采🌳(cai)用🎃(yong)权👺(quan)重🥒(zhong)法🕸(fa)计🥟(ji)量🍲(liang)信🎵(xin)用🧦(yong)风🐎(feng)险🎣(xian)暴⭐(bao)露💛(lu)的📟(de)情🎟(qing)况💞(kuang)下🍭(xia)，合🐐(he)格🤟(ge)信🛠(xin)用🍜(yong)风🎪(feng)险🚓(xian)缓🏍(huan)释🌁(shi)工🚓(gong)具🍫(ju)并🔈(bing)不🥣(bu)包👡(bao)括🐰(kuo)各🍥(ge)类🌭(lei)信⤴(xin)用😊(yong)衍🔬(yan)生🚊(sheng)工🎸(gong)具🐅(ju)，使😭(shi)得🤠(de)绝🥈(jue)大🎾(da)多🍅(duo)数💁(shu)商🔍(shang)业🏴(ye)银🤧(yin)行🙄(xing)难📙(nan)以😖(yi)使🥑(shi)用💢(yong)信🎏(xin)用⛅(yong)风👅(feng)险🏳(xian)缓🥜(huan)释🎛(shi)工📓(gong)具🏺(ju)主🕝(zhu)动🍊(dong)进🔙(jin)行🌈(xing)信🍸(xin)用😱(yong)风🌝(feng)险🚷(xian)管👝(guan)理🔱(li)，不🧛(bu)能🕶(neng)利🧝(li)用🚱(yong)合🐗(he)格🚹(ge)信🦃(xin)用⛴(yong)衍💟(yan)生👔(sheng)工🔙(gong)具⛺(ju)进🐴(jin)行🌂(xing)资〰(zi)本❣(ben)缓🏤(huan)释✴(shi)，在🖥(zai)相🛍(xiang)当😂(dang)程💀(cheng)度🎠(du)上🔴(shang)影🈲(ying)响🚟(xiang)了🏂(le)商🧜(shang)业🎊(ye)银🤥(yin)行🔱(xing)作📊(zuo)为🦅(wei)投📳(tou)资🌧(zi)者🔞(zhe)参🥔(can)与🔌(yu)CRM市🤣(shi)场🚲(chang)的🔙(de)积😶(ji)极🌷(ji)性🕖(xing)。 　　资🕙(zi)本🌁(ben)新🍢(xin)规🚒(gui)关👔(guan)于🐄(yu)信🚋(xin)用🙈(yong)风⛄(feng)险⛲(xian)缓🔛(huan)释🐗(shi)的🛐(de)相📧(xiang)关🚎(guan)要🚕(yao)求⚓(qiu) 　　（一⛔(yi)）修🚍(xiu)订🙉(ding)的💞(de)内✈(nei)容🚌(rong) 　　2023年😺(nian)11月🙃(yue)1日⬇(ri)，国🌭(guo)家🕤(jia)金🔥(jin)融🔛(rong)监🔈(jian)督⚫(du)管🤫(guan)理🚔(li)总❤(zong)局🕖(ju)发🦂(fa)布🏍(bu)《商🥂(shang)业🏈(ye)银🌫(yin)行🚄(xing)资🚐(zi)本⛷(ben)管🔲(guan)理⛰(li)办😉(ban)法📮(fa)》（以🕸(yi)下🔙(xia)简✂(jian)称🌓(cheng)“资🔫(zi)本💰(ben)新🏵(xin)规🌪(gui)”），对🈵(dui)2012年💑(nian)发⭕(fa)布👧(bu)的🐏(de)《商🖕(shang)业🐒(ye)银😵(yin)行🏿(xing)资🏍(zi)本📎(ben)管📰(guan)理🎈(li)办🔯(ban)法📕(fa)（试🦍(shi)行🌓(xing)）》进🕒(jin)行🍓(xing)大🥫(da)幅🕝(fu)修🔈(xiu)订🐡(ding)，本💯(ben)文🎹(wen)仅💹(jin)就🔗(jiu)与🤺(yu)信🚠(xin)用📢(yong)风🎭(feng)险🏵(xian)缓🌿(huan)释🚾(shi)工😕(gong)具👗(ju)相🧒(xiang)关⛴(guan)部🥨(bu)分🍚(fen)作💾(zuo)简🎴(jian)要🍕(yao)分🐚(fen)析🐘(xi)。资🍍(zi)本🌼(ben)新🦗(xin)规🕔(gui)中🏚(zhong)，监😔(jian)管🕴(guan)部👂(bu)门🌻(men)参👁(can)照🔦(zhao)《巴⛹(ba)塞🤞(sai)尔🉐(er)协🍄(xie)议🀄(yi)》的➡(de)统🌙(tong)一🍍(yi)规🔭(gui)则🏏(ze)，对🚠(dui)于😮(yu)采🌠(cai)用🛵(yong)权🔥(quan)重🕺(zhong)法🛏(fa)计📔(ji)量💟(liang)信🛬(xin)用💊(yong)风🙂(feng)险📭(xian)暴🐐(bao)露🎖(lu)的⏬(de)银🎦(yin)行🍣(xing)，在📕(zai)合🦋(he)格🛡(ge)信🏼(xin)用🤲(yong)风🍹(feng)险👣(xian)缓🔖(huan)释🍠(shi)工🛰(gong)具🍜(ju)种⌛(zhong)类👵(lei)中🌭(zhong)明🎒(ming)确🅿(que)增🍂(zeng)加🎣(jia)了🔱(le)“信🚉(xin)用😨(yong)衍🥗(yan)生🚄(sheng)工💃(gong)具📩(ju)”子🙅(zi)项🤢(xiang)，认🈷(ren)可🌥(ke)了⏭(le)信🎽(xin)用💬(yong)风🌝(feng)险🗒(xian)缓😗(huan)释🔳(shi)工🌐(gong)具🕢(ju)的💘(de)资📳(zi)本🏀(ben)缓🌴(huan)释💿(shi)作🌿(zuo)用🍓(yong)。 　　（二🚠(er)）信⛪(xin)用🐢(yong)风🙎(feng)险🎠(xian)缓👣(huan)释😆(shi)的㊙(de)含🕕(han)义🥧(yi)及⛓(ji)作❌(zuo)用⛺(yong) 　　信👊(xin)用🔹(yong)风🛃(feng)险😡(xian)缓🥟(huan)释🥤(shi)是🏿(shi)指🏛(zhi)商🙂(shang)业💸(ye)银📶(yin)行🔣(xing)运🌓(yun)用❣(yong)合🤕(he)格⏱(ge)的🎎(de)信💆(xin)用🙂(yong)风🛷(feng)险💌(xian)缓🔻(huan)释🏽(shi)工🐳(gong)具🚭(ju)转🖍(zhuan)移🏡(yi)或♍(huo)降🚐(jiang)低📕(di)信🎮(xin)用⏪(yong)风🐦(feng)险🦁(xian)。资😢(zi)本🛀(ben)新☔(xin)规🗄(gui)明🍳(ming)确🍷(que)规🎰(gui)定🤫(ding)，商🧞(shang)业🛃(ye)银🖲(yin)行🔸(xing)采♐(cai)用🚰(yong)权🚱(quan)重🏠(zhong)法😛(fa)计👆(ji)量🏆(liang)信🎻(xin)用🆑(yong)风😝(feng)险🐳(xian)加🤰(jia)权⛎(quan)资🏿(zi)产🎋(chan)时🏔(shi)，应🕺(ying)按😥(an)相✒(xiang)关🦌(guan)规🖤(gui)定🐔(ding)考🚗(kao)虑🐄(lv)合🏂(he)格🦔(ge)质🌫(zhi)物🍼(wu)、合🙏(he)格🈴(ge)保😹(bao)证🎀(zheng)或🥗(huo)合🔷(he)格❇(ge)信👗(xin)用👹(yong)衍📬(yan)生🎸(sheng)工🚐(gong)具🎎(ju)的💷(de)风🔕(feng)险🐁(xian)缓⛏(huan)释😿(shi)作🛑(zuo)用🕜(yong)。资🛰(zi)本🍞(ben)新🤸(xin)规⛱(gui)将🏓(jiang)合🌉(he)格🛷(ge)信🚚(xin)用👟(yong)风🤫(feng)险➿(xian)缓🏴(huan)释🎃(shi)工🎐(gong)具☔(ju)划🔯(hua)分🎐(fen)为🏁(wei)三💔(san)类🆑(lei)：质🥙(zhi)物🍵(wu)、保⚫(bao)证🐼(zheng)和🗣(he)信🌾(xin)用🐆(yong)衍💶(yan)生➿(sheng)工🍙(gong)具🍆(ju)，其🙉(qi)中🤕(zhong)信🧕(xin)用🍻(yong)衍🎩(yan)生🌇(sheng)工🌰(gong)具🚄(ju)具😾(ju)体🍗(ti)内🕊(nei)容🏩(rong)如🎣(ru)表🐳(biao)1所♐(suo)示💓(shi)。 　　信🧞(xin)用🏘(yong)风🐅(feng)险🎵(xian)缓🔀(huan)释🤫(shi)的👉(de)作🌊(zuo)用🏵(yong)主⏫(zhu)要🐆(yao)是📇(shi)降🖍(jiang)低👔(di)交💵(jiao)易🚓(yi)对🕞(dui)手🕸(shou)的🗽(de)信💮(xin)用🤶(yong)风💢(feng)险🕷(xian)，而🐱(er)信🍈(xin)用💐(yong)风🔃(feng)险🌡(xian)缓⛽(huan)释🎊(shi)工🌒(gong)具🌻(ju)就🏗(jiu)是🍊(shi)风🌐(feng)险🕛(xian)转⛹(zhuan)移🍊(yi)的👬(de)媒🎀(mei)介💰(jie)jie 📃(jie)ci 🛬(ci)mei 🛏(mei)jie 🎥(jie)，shang ✳(shang)ye 🍯(ye)yin ✉(yin)xing 🧀(xing)shi 😀(shi)xian 🍔(xian)xin 🕥(xin)yong 🎗(yong)feng 🥩(feng)xian 🥇(xian)cong 🤤(cong)gao 😵(gao)feng 🔽(feng)xian ❔(xian)dui 📊(dui)xiang ⚾(xiang)zhuan ⤴(zhuan)yi 🔡(yi)dao 👂(dao)di 🍑(di)feng 🎆(feng)xian 📒(xian)dui 📁(dui)xiang ⛲(xiang)，jin 🆑(jin)er 🍍(er)ke 🐸(ke)yi 🤜(yi)shi 🆖(shi)yong 🚍(yong)xiang ⚫(xiang)dui 🌎(dui)di 🍣(di)de 🔍(de)feng 🐿(feng)xian 🔩(xian)quan 🗳(quan)zhong 🐨(zhong)ji 🚖(ji)suan 🛃(suan)feng 💨(feng)xian 🐀(xian)bao ⏬(bao)lu 🐮(lu)，qi 🥗(qi)dao 🥑(dao)jie 📝(jie)yue 🎲(yue)zi 💲(zi)ben 🐙(ben)de 💠(de)zuo 🛩(zuo)yong 👫(yong)。 　　（san 😎(san)）xin 🚶(xin)yong 🈺(yong)feng 🍫(feng)xian 🥒(xian)huan 🍈(huan)shi 🤽(shi)de 🍨(de)jian 💍(jian)guan 🎷(guan)yao 📴(yao)qiu 🚡(qiu) 　　zi 🎸(zi)ben 💰(ben)xin 🍆(xin)gui 🍍(gui)dui 🌚(dui)xin 🚓(xin)yong 🎯(yong)yan 📍(yan)sheng 🚓(sheng)gong 💥(gong)ju 🦉(ju)de 🚕(de)feng 🚰(feng)xian 🕊(xian)huan 🈸(huan)shi 🦖(shi)yao ⛺(yao)qiu 🕹(qiu)fen 📙(fen)wei 🙇(wei)san 🌙(san)bu 🎵(bu)fen 🖌(fen)，fen 🙇(fen)bie 💦(bie)wei 😈(wei)yi ⚪(yi)ban 🤩(ban)yao 🕖(yao)qiu 🍤(qiu)、can 🤖(can)zhao 🤛(zhao)he 🗯(he)ge 👨(ge)bao ✒(bao)zheng 🐐(zheng)de 🌲(de)yao 💡(yao)qiu 🍉(qiu)yi 🙆(yi)ji 🐻(ji)he 🖥(he)ge 👫(ge)xin 📎(xin)yong 😑(yong)yan 📤(yan)sheng 💍(sheng)gong 😞(gong)ju 😼(ju)zhuan 🌖(zhuan)shu 📳(shu)yao 😞(yao)qiu 🏩(qiu)。qi 🍮(qi)zhong 🎱(zhong)，yi 🔴(yi)ban ♋(ban)yao 🏺(yao)qiu 👿(qiu)shi 🍊(shi)zhen 😄(zhen)dui 📝(dui)suo 🐈(suo)you ⏯(you)he 💨(he)ge 🎓(ge)xin 🥉(xin)yong 🕎(yong)feng 🕞(feng)xian 🔃(xian)huan ⛄(huan)shi Ⓜ(shi)gong 😟(gong)ju 💐(ju)，zhu 🐂(zhu)yao 🕉(yao)bao 🚺(bao)kuo 🐴(kuo)ming ❓(ming)que 🍉(que)de 🔂(de)fa 🎬(fa)lv 🏝(lv)yi ✊(yi)ju 🥖(ju)、ming 🦒(ming)que 🚰(que)xin 👕(xin)yong 🈶(yong)feng ⛺(feng)xian 🔜(xian)huan 👏(huan)shi 🍴(shi)fu 💇(fu)gai 🥩(gai)fan 👘(fan)wei 🌲(wei)、bu 💺(bu)de 🍯(de)zhong 🐡(zhong)fu 🏎(fu)ji 🐠(ji)suan 🚡(suan)deng 🐈(deng)；can 🛴(can)zhao 📂(zhao)he 🔶(he)ge 🕸(ge)bao ⚾(bao)zheng 👻(zheng)de 🏾(de)yao 🖥(yao)qiu 🅿(qiu)zhu ♈(zhu)yao 🔻(yao)bao ⭕(bao)kuo 💤(kuo)chang 🚕(chang)fu 🔅(fu)yi 🦖(yi)wu ♈(wu)qing 🐶(qing)chu 💓(chu)、bu 🔻(bu)ke ⤵(ke)che 🐓(che)xiao 🍳(xiao)、you 🐀(you)quan 🦎(quan)ji 🍛(ji)shi 🗼(shi)zhui 🤤(zhui)chang 👮(chang)、bao 👙(bao)zheng 💢(zheng)he 🏒(he)tong ♓(tong)que 📽(que)bao 🌔(bao)bao 🤝(bao)zheng 🤭(zheng)ren ❇(ren)yi 🕤(yi)wu 👎(wu)deng 🍟(deng)，qi 🔻(qi)zhong 🥋(zhong)xu 🚍(xu)yao 🌵(yao)zhu 💤(zhu)yi 🐋(yi)de 📤(de)shi 🗞(shi)“ruo 🙉(ruo)bao 🏿(bao)zheng 〰(zheng)he 😢(he)tong ⛪(tong)zhi 🤶(zhi)she 🚽(she)ji 🚭(ji)dui 🔒(dui)ben 🥝(ben)jin 🚊(jin)de 🐜(de)zhi 🚢(zhi)fu 🚆(fu)，li 🐂(li)xi 🚲(xi)he 🛤(he)qi 👡(qi)ta 🐳(ta)wei 📃(wei)fu ♈(fu)gai 🚈(gai)de 🛑(de)kuan 🗒(kuan)xiang 🙌(xiang)ying ❔(ying)an 🎳(an)zhao 🍇(zhao)wei 👥(wei)huan 📄(huan)shi 🥕(shi)bu 🏈(bu)fen 🆔(fen)chu 🐽(chu)li 🤪(li)”；he 💦(he)ge 🐅(ge)xin 🐑(xin)yong 🏄(yong)yan 🐆(yan)sheng 😢(sheng)gong 🚤(gong)ju 🥃(ju)zhuan 🌶(zhuan)shu 💞(shu)yao 👄(yao)qiu 📚(qiu)shi 🍉(shi)zhi 🅿(zhi)chu 🔓(chu)shang 🌚(shang)shu 👞(shu)yao 🎇(yao)qiu ⚪(qiu)wai 📑(wai)，he 🍔(he)ge 👑(ge)xin 🔳(xin)yong 🏆(yong)yan 🔶(yan)sheng 🎞(sheng)gong 🚷(gong)ju 🎳(ju)hai 🦂(hai)ying 🔧(ying)man 🛀(man)zu 🛍(zu)de 🧡(de)yao ⛺(yao)qiu 🚇(qiu)。gen 🎇(gen)ju 🥨(ju)ju 🤠(ju)ti 👢(ti)xiang 👧(xiang)mu 👓(mu)de 🐋(de)bu 📨(bu)tong 🎿(tong)，zai 🙎(zai)shi 🤹(shi)ji 🥈(ji)ye 🆑(ye)wu 🔬(wu)zhong 🐏(zhong)ying 🧀(ying)te 🛏(te)bie 🧛(bie)zhu ➕(zhu)yi 💜(yi)yi 〰(yi)xia 🕳(xia)liang 🚩(liang)dian 🙈(dian)。 　　yi 💎(yi)shi 👉(shi)xin 🥫(xin)yong ♿(yong)yan ♟(yan)sheng 🥍(sheng)gong 🔥(gong)ju 🔓(ju)bing 🦃(bing)wei 🖤(wei)fu 🔀(fu)gai 💸(gai)zhai 🐎(zhai)wu 🚮(wu)zhong 🥜(zhong)zu 🍕(zu)de 🌊(de)qing 🍄(qing)kuang 🀄(kuang)shi 🎑(shi)，ke 🐽(ke)bu 🛒(bu)fen 🖤(fen)ren 🀄(ren)ke 📸(ke)xin 🌄(xin)yong 📨(yong)yan 📬(yan)sheng 💓(sheng)gong ⏰(gong)ju 🧤(ju)de 🐳(de)feng 📸(feng)xian 💗(xian)huan 🙈(huan)shi 😱(shi)zuo ⛩(zuo)yong 🏙(yong)。ru ⏯(ru)guo 🏊(guo)xin 🦉(xin)yong 🧒(yong)yan 📿(yan)sheng 🛫(sheng)gong 🥤(gong)ju 🚎(ju)de 💫(de)jin 💖(jin)e 🥗(e)bu ⤴(bu)chao 🐹(chao)guo 🔳(guo)ji ✉(ji)chu 🥕(chu)zhai 🈸(zhai)xiang 🎋(xiang)de 🖥(de)jin 🛃(jin)e 🚗(e)，xin 🖕(xin)yong 🏭(yong)yan 🥫(yan)sheng 🔺(sheng)gong 🐆(gong)ju 🍯(ju)fu 🎸(fu)gai 🍩(gai)de 🏕(de)bu 🐺(bu)fen 🍘(fen)wei 🖼(wei)xin 🐤(xin)yong 🐯(yong)yan 📥(yan)sheng ⛺(sheng)gong 🦅(gong)ju ⏯(ju)jin 📚(jin)e 🕜(e)de 🥅(de)60%；ru 🤐(ru)guo 🗿(guo)xin 🥗(xin)yong 🙉(yong)yan 🌲(yan)sheng 🥁(sheng)gong 🌨(gong)ju 🍭(ju)de 💖(de)jin 😥(jin)e 🛎(e)da 🍬(da)yu ⤵(yu)ji 🚳(ji)chu 🤱(chu)zhai 🔣(zhai)xiang 🏞(xiang)de 🈚(de)jin 👷(jin)e 🏛(e)，xin 🌲(xin)yong 🦋(yong)yan 🙃(yan)sheng 😅(sheng)gong 🐾(gong)ju ✅(ju)fu 🔩(fu)gai 🛺(gai)bu 🔳(bu)fen 👃(fen)de 🙉(de)shang 🛹(shang)xian 🐄(xian)wei 🚮(wei)ji 🔬(ji)chu 🧛(chu)zhai 🏫(zhai)xiang 📶(xiang)jin 🗾(jin)e 🆑(e)de 🛌(de)60%。 　　er 😞(er)shi 🐲(shi)shang 🔪(shang)ye 🖖(ye)yin 🗒(yin)xing 🥩(xing)cai 🕣(cai)yong 🤱(yong)dai 🦇(dai)you 🧣(you)chang 💉(chang)fu 🔸(fu)lin 🚎(lin)jie 👒(jie)zhi 🗂(zhi)de 🏺(de)bao 🆑(bao)zheng 🦄(zheng)huo 💉(huo)xin 😲(xin)yong ♊(yong)bao ⏳(bao)hu 👬(hu)，zai 🌉(zai)gai 💆(gai)lin 💵(lin)jie 🏺(jie)zhi ➰(zhi)zhi 📷(zhi)xia 👛(xia)chu 🌿(chu)xian 🆚(xian)sun 🍓(sun)shi 📿(shi)wu 🚯(wu)fa 🤺(fa)de 🤺(de)dao 😭(dao)pei ☝(pei)fu 😿(fu)shi 👍(shi)，shou ✏(shou)xian 🌥(xian)you 🤠(you)shang 🔆(shang)ye 😀(ye)yin 👭(yin)xing 🛸(xing)cheng 🎾(cheng)dan 🏍(dan)sun 🔺(sun)shi 🍒(shi)。dui 🦂(dui)yu 🌾(yu)cai 🐐(cai)yong ♏(yong)ci 🐂(ci)lei 🆙(lei)bao 🕠(bao)zheng ⌚(zheng)huo 😦(huo)xin 🧘(xin)yong ⏪(yong)bao 🚝(bao)hu 🧟(hu)de 🔢(de)shang 🤱(shang)ye 🤮(ye)yin 🌠(yin)xing ⛔(xing)，qi ❄(qi)feng 🛵(feng)xian 🚼(xian)bao 🛒(bao)lu 💝(lu)di 🌹(di)yu 🤓(yu)lin 🤧(lin)jie 🚡(jie)zhi 😔(zhi)de 🍥(de)bu 🖋(bu)fen 🏫(fen)，ying 💽(ying)cai 😱(cai)yong 🍕(yong)1250%de 🤺(de)feng 🌄(feng)xian 😈(xian)quan 〽(quan)zhong 🚌(zhong)ji 🐦(ji)liang 🚓(liang)feng 🧤(feng)xian 🚏(xian)jia 🏡(jia)quan 🏋(quan)zi 💪(zi)chan 🧡(chan)。 　　zi 🎽(zi)ben 🍼(ben)xin ✴(xin)gui 🚻(gui)dui 📥(dui)xin 🥙(xin)yong 🧝(yong)feng 🍍(feng)xian 🆖(xian)huan 🐄(huan)shi 🔅(shi)gong 💻(gong)ju ⛏(ju)fa 🔤(fa)zhan 💩(zhan)de 🔹(de)ying 🍚(ying)xiang 🚁(xiang) 　　（yi 🍙(yi)）zi 💾(zi)ben 🔲(ben)xin ⬛(xin)gui 🔺(gui)dui 🏦(dui)xin 🐤(xin)yong 📂(yong)feng 😇(feng)xian 🎓(xian)huan 🍵(huan)shi 🌼(shi)gong ♓(gong)ju 💖(ju)de 🐕(de)cu 💍(cu)jin ♓(jin)zuo 🏭(zuo)yong 🔴(yong) 　　ben 💹(ben)ci 🚌(ci)xiu ✂(xiu)ding ➕(ding)hou 🆎(hou)，zi 🎡(zi)ben 🍖(ben)xin ♏(xin)gui 🚰(gui)jiang ✴(jiang)shang 🔫(shang)ye 🙈(ye)yin 🏞(yin)xing 🚯(xing)hua 🐅(hua)fen 🚾(fen)wei 👆(wei)A+、A、B、C4ge 🎛(ge)ji 🔥(ji)bie 🌛(bie)，dui 🐬(dui)ying 🕯(ying)bu 🕝(bu)tong 🔖(tong)de 🤥(de)feng 🛢(feng)xian 👸(xian)quan 📡(quan)zhong 🐲(zhong)。qi 🍫(qi)zhong 🌕(zhong)，Bji ♎(ji)shi 🤹(shi)zhi 🚥(zhi)xin 🏛(xin)yong 📱(yong)feng 🚩(feng)xian 💰(xian)jiao 😀(jiao)gao 🎏(gao)de 🌪(de)shang 🌰(shang)ye 🍡(ye)yin 🥕(yin)xing 🤳(xing)，Cji 🍃(ji)shi ☕(shi)zhi 🙈(zhi)you 📂(you)zhong 🕠(zhong)da 🐬(da)wei 💅(wei)yue 💜(yue)feng 🍠(feng)xian 🍌(xian)de 🗨(de)shang 🕰(shang)ye 📶(ye)yin 🔍(yin)xing 🌈(xing)，hen 🥖(hen)ke 🤒(ke)neng ⛽(neng)huo ⛴(huo)yi 🏟(yi)jing 🌗(jing)wu 🔤(wu)fa ⭐(fa)chang 🏪(chang)hai 🉑(hai)zhai 💻(zhai)wu 🥏(wu)。gen 🎄(gen)ju 💾(ju)hua 🏀(hua)fen ♈(fen)biao 🚋(biao)zhun 🥇(zhun)，chuang 🈳(chuang)she 💦(she)xin 🥂(xin)yong 🔖(yong)feng 🧡(feng)xian 🚀(xian)huan 💶(huan)shi 🚁(shi)gong 👘(gong)ju 🌯(ju)de 🤨(de)shang 🙋(shang)ye 👪(ye)yin 🚙(yin)xing 🍋(xing)yi ⛰(yi)ban 🤛(ban)hua 🍤(hua)fen 👳(fen)wei 🔓(wei)Aji 🕘(ji)。 　　zi ♒(zi)ben 🏾(ben)xin ⤵(xin)gui 🧘(gui)fa 🖍(fa)bu 🐜(bu)qian 🐷(qian)，jia 📯(jia)she 🤾(she)jia 🌻(jia)yin 🙌(yin)xing 🆒(xing)tou 🍣(tou)zi 👸(zi)yi 🆓(yi)gong 😡(gong)si 🏔(si)fa 🔘(fa)xing 🍸(xing)de 🏝(de)zhai 🚠(zhai)quan 🏨(quan)，bu 🦉(bu)guan 🧑(guan)shi 🗜(shi)fou 🎥(fou)gou 🗒(gou)mai 📣(mai)bing 📥(bing)yin 🎚(yin)xing 🏣(xing)chuang ⭐(chuang)she 🍈(she)de 🦉(de)CRMW，yin 🧢(yin)CRMWbu 😭(bu)shu 🏓(shu)yu 🔯(yu)he 🥁(he)ge 🌴(ge)xin 🏆(xin)yong 🏜(yong)feng 😻(feng)xian 🕺(xian)huan 🌌(huan)shi 🤣(shi)gong 🌾(gong)ju 🥪(ju)，bu 😙(bu)ju 👈(ju)bei 📟(bei)huan 🏭(huan)shi 🥨(shi)zuo 🚖(zuo)yong 🤠(yong)，gai 🏫(gai)bi 🏁(bi)tou 🌽(tou)zi 📒(zi)jun 🐏(jun)ying 💵(ying)fen 🚾(fen)lei 🚽(lei)wei 🥖(wei)“dui 🍬(dui)yi 🤬(yi)ban 🕍(ban)qi 👒(qi)ye 🎅(ye)de 🧝(de)zhai 🏠(zhai)quan 🤩(quan)”，feng 🔁(feng)xian ✳(xian)quan 🖥(quan)zhong 🛅(zhong)wei 🐕(wei)100%。zi 🈚(zi)ben 🚞(ben)xin 🥓(xin)gui 📉(gui)fa 🌕(fa)bu 🥅(bu)hou 🚡(hou)，ru ♈(ru)guo 🐴(guo)jia 😇(jia)yin ⬛(yin)xing 🎍(xing)gou 🆖(gou)mai 💃(mai)le 🦏(le)bing 💾(bing)yin 🚅(yin)xing 📛(xing)chuang 🆕(chuang)she 🏏(she)de ➗(de)CRMW，na 🦇(na)me 🥋(me)gai 🚿(gai)bi 🧕(bi)tou 🚹(tou)zi 😒(zi)jiu 🗑(jiu)ke 🐆(ke)yi 🦍(yi)zhuan 🚈(zhuan)huan 🛹(huan)wei 🏻(wei)“dui 🎽(dui)jing 📇(jing)nei 🕥(nei)wai 🦋(wai)jin 🏼(jin)rong 😔(rong)ji 🏅(ji)gou 🤓(gou)de 😱(de)feng 🤵(feng)xian 😴(xian)bao 🍜(bao)lu 💱(lu)”，gen 🐎(gen)ju 🙄(ju)qi 🤒(qi)xian 🔱(xian)ji 🐄(ji)ji ⛪(ji)bie 🥚(bie)de 🍧(de)bu 🛸(bu)tong 💌(tong)，dui 🌅(dui)ying 🥞(ying)20%~40%de 👌(de)feng 🌫(feng)xian 🚘(xian)quan 📱(quan)zhong ⏮(zhong)，jia 🔊(jia)yin 🙄(yin)xing 🌪(xing)gai 🚞(gai)bi 📁(bi)tou 👼(tou)zi 😃(zi)ye 🍓(ye)wu 🔕(wu)suo 🐇(suo)zhan 🛫(zhan)yong 🚐(yong)de 🐶(de)zi 📼(zi)ben 🛄(ben)da 😑(da)fu 🤾(fu)du 😐(du)jiang 👃(jiang)di 👑(di)，dui 🚻(dui)ying 🚸(ying)de 🎟(de)ke 🚜(ke)kai ⛷(kai)zhan 🚄(zhan)de 📖(de)ye 💷(ye)wu 📴(wu)gui 🎚(gui)mo 💼(mo)jiu 🌃(jiu)geng 🕖(geng)da ⛔(da)。tong 🔈(tong)shi 🎈(shi)，yin 🛵(yin)wei 🔛(wei)bing 🐵(bing)yin 🙎(yin)xing ✉(xing)chuang 🙇(chuang)she 🥦(she)CRMWde 🔟(de)feng 🦕(feng)xian 🦗(xian)di 🥣(di)bu 🥈(bu)zuo 😯(zuo)yong 🦐(yong)，yi 🔰(yi)gong ✈(gong)si 🌪(si)fa ⛏(fa)xing 🥄(xing)de 💴(de)gai 🧟(gai)qi 🕯(qi)zhai 🌗(zhai)quan ✨(quan)yu 🚎(yu)bing 📃(bing)yin 💱(yin)xing 🐸(xing)fa 👓(fa)xing 🅰(xing)de 🤖(de)tong 🤛(tong)qi 💺(qi)xian 🤔(xian)tong 🗄(tong)ye 🌐(ye)cun 🆓(cun)dan 📢(dan)ju 👲(ju)bei 💶(bei)le 🧦(le)jian 🌯(jian)dan 🥠(dan)de 🎌(de)ke 🕐(ke)bi 🦃(bi)xing 🏻(xing)。zai 🦄(zai)xiang 🍗(xiang)tong ❄(tong)feng 💲(feng)xian 🌙(xian)zi ✏(zi)ben 📭(ben)zhan 🐋(zhan)yong 🏢(yong)de 🏴(de)qing 🧓(qing)kuang 🍢(kuang)xia 📵(xia)，zhi 🍜(zhi)yao 🔲(yao)zong 🥟(zong)he 🔪(he)shou 🌭(shou)yi 🍻(yi)（zhai 🍅(zhai)quan 🏡(quan)li ⛏(li)lv 🏳(lv)-chuang 🐐(chuang)she ⏳(she)jia 🚨(jia)ge 🍼(ge)）gao 🏄(gao)yu 🍆(yu)tong 🔯(tong)ye 🈸(ye)cun 🐆(cun)dan 🕓(dan)li 😋(li)lv ✉(lv)，jia 👒(jia)yin 👼(yin)xing 🕥(xing)zuo 🛋(zuo)wei 🚆(wei)tou 🏓(tou)zi 🚬(zi)ren 🐧(ren)jiu ♟(jiu)ke 🗯(ke)yi 🎋(yi)huo 🐨(huo)de 🍵(de)“chao 🛷(chao)e 🎩(e)shou 🛳(shou)yi 🚠(yi)”，gai 📶(gai)bi 🚀(bi)ye 🔱(ye)wu 👸(wu)jiu 🗡(jiu)geng 👀(geng)jia 🤴(jia)ju 😯(ju)you ❎(you)xing 🚌(xing)jia ⭕(jia)bi 😈(bi)。 　　（er 🏻(er)）tou 🤜(tou)zi ⚡(zi)zhe 🍂(zhe)jin 🏽(jin)xing 😶(xing)xin 💃(xin)yong 🎺(yong)feng ⚫(feng)xian ⛴(xian)huan 😧(huan)shi 🤯(shi)de 🦊(de)zhu 💣(zhu)yi 🕖(yi)shi 🅰(shi)xiang 🦆(xiang) 　　tou 🤛(tou)zi 🎀(zi)zhe 🔟(zhe)zai 💆(zai)gou 🍑(gou)mai 🌤(mai)xin 🍨(xin)yong 🥟(yong)bao 💦(bao)hu 🥟(hu)de 😀(de)shi 🐍(shi)ji 🈹(ji)ye 🔫(ye)wu 📠(wu)zhong 🗂(zhong)ying ❎(ying)gai ✏(gai)zai 🌇(zai)xi 😍(xi)zhen 🎺(zhen)bie 🥁(bie)xin 🙆(xin)yong ⏯(yong)feng 🕤(feng)xian 🔨(xian)huan 🌆(huan)shi 🔪(shi)gong 🚝(gong)ju 🌿(ju)de 🖤(de)chan 📶(chan)pin 👉(pin)she 🥦(she)ji 💕(ji)，zhu 💬(zhu)yi 🎯(yi)ju 🧝(ju)ti 🎡(ti)tiao 🕍(tiao)kuan 🗨(kuan)dui 😿(dui)yu 🎾(yu)huan ✡(huan)shi 🥞(shi)xiao 👨(xiao)guo 🧐(guo)de ⌛(de)ying 🚵(ying)xiang ⛎(xiang)cha 🔠(cha)yi 🧜(yi)，ju 🐭(ju)ti 🏗(ti)fen 😜(fen)wei 🍿(wei)yi 🧓(yi)xia 🏿(xia)ji 🌉(ji)dian 👮(dian)。 　　1．guan 🏹(guan)zhu 🐀(zhu)chuang 🏄(chuang)she 🥢(she)ji 😟(ji)gou 🎒(gou)lei 🚒(lei)xing 🔫(xing) 　　zi ♍(zi)ben 💸(ben)xin 🕠(xin)gui 🚯(gui)zhong 💇(zhong)gen 🍁(gen)ju 🍃(ju)jin 🤫(jin)rong 🍕(rong)ji 📿(ji)gou 🙀(gou)lei 🙋(lei)xing 🐈(xing)de 🦐(de)bu 🕤(bu)tong 👊(tong)，pi 🌲(pi)pei 🎅(pei)le 🥀(le)cha 🌒(cha)yi 🌪(yi)hua 🛂(hua)de 👞(de)feng 🧒(feng)xian 📌(xian)quan 🐦(quan)zhong 📥(zhong)。zai 🎓(zai)shi 😂(shi)ji 🤲(ji)ye 💽(ye)wu 👋(wu)zhong 🤭(zhong)，ru 🌩(ru)guo 🏕(guo)xin 🐇(xin)yong 🏬(yong)feng 👥(feng)xian 🔠(xian)huan 😀(huan)shi 🏠(shi)gong 😌(gong)ju 😠(ju)chuang 🐢(chuang)she 🗺(she)ji ✌(ji)gou 🗜(gou)wei 🈂(wei)shang 💩(shang)ye 🦍(ye)yin 🔞(yin)xing 🕘(xing)，ze 🐍(ze)gen ⛑(gen)ju 🌗(ju)shang 🐉(shang)ye 🎛(ye)yin 🥨(yin)xing 🌤(xing)deng 😽(deng)ji 🛳(ji)hua 🛍(hua)fen 🚎(fen)（A+ji 🛋(ji)、Aji 🐬(ji)）he 🎲(he)ping 🐗(ping)zheng 🥠(zheng)qi 😨(qi)xian 🗄(xian)（san 🌧(san)ge 🌆(ge)yue 🎈(yue)yi 📻(yi)nei 🐙(nei)huo 🛌(huo)yi 〽(yi)wai 👯(wai)），dui 🔺(dui)ying 🚍(ying)le 🍳(le)20%~40%de 🍋(de)feng 👹(feng)xian 📒(xian)quan 🌂(quan)zhong 🌎(zhong)；ru 💔(ru)guo 🧟(guo)xin ❄(xin)yong 🥠(yong)feng 🎲(feng)xian 🌭(xian)huan 🈲(huan)shi 📏(shi)gong 👧(gong)ju 😆(ju)chuang 🎍(chuang)she ㊗(she)ji 📀(ji)gou 🐠(gou)wei 👡(wei)zheng 👳(zheng)quan 🌥(quan)gong 🍧(gong)si 💦(si)huo 📘(huo)qi 🚅(qi)ta 🐕(ta)jin 💈(jin)rong 🗞(rong)ji 🏇(ji)gou 👨(gou)，ze 😍(ze)dui 🥂(dui)ying 📔(ying)le 😉(le)75%（tou 👑(tou)zi 🍹(zi)ji 🎏(ji)ji 💄(ji)gou 🕯(gou)）huo 💈(huo)100%（yi 🚥(yi)ban 🎋(ban)ji 🎈(ji)gou 🍵(gou)）de 🤘(de)feng 🌨(feng)xian ⭐(xian)quan 🏉(quan)zhong 💃(zhong)。dui 🤟(dui)bi 🎫(bi)ke ✈(ke)zhi 🛷(zhi)，shang 🔨(shang)ye ⏲(ye)yin 💋(yin)xing 🚣(xing)chuang 🈷(chuang)she 😘(she)de 🐕(de)xin 🥙(xin)yong 🗿(yong)feng 🐤(feng)xian 💒(xian)huan 💗(huan)shi 🤽(shi)gong 💴(gong)ju 📱(ju)zi 🦃(zi)ben 🌑(ben)jie 🦍(jie)yue 📺(yue)xiao 🤾(xiao)guo 👤(guo)geng 🎚(geng)wei 🍛(wei)ming 📵(ming)xian 🔭(xian)。 　　2．guan 🛶(guan)zhu 🚍(zhu)xin 🔠(xin)yong ⚾(yong)shi 🦑(shi)jian ⏰(jian)lei 🎖(lei)xing 📧(xing) 　　bu 😧(bu)tong 🚥(tong)xiang 🔁(xiang)mu 🚸(mu)de 💋(de)xin 🚽(xin)yong 🗂(yong)feng 👘(feng)xian 🤽(xian)huan ☝(huan)shi 🔆(shi)gong 🍧(gong)ju 🌧(ju)suo 🐘(suo)shi 🐃(shi)yong 🉑(yong)de 🥊(de)xin 🐶(xin)yong 🥞(yong)shi 🐭(shi)jian 🚊(jian)lei 🛳(lei)xing 📮(xing)wang 🤐(wang)wang 🌬(wang)qian 🐶(qian)cha 👫(cha)wan 🐡(wan)bie 💰(bie)，gen ⛲(gen)ju 💝(ju)《zhong ➕(zhong)guo 😦(guo)chang 👶(chang)wai 📃(wai)xin 🎾(xin)yong 🌕(yong)yan 👬(yan)sheng 😖(sheng)chan 🌬(chan)pin 🔠(pin)jiao 💱(jiao)yi ⛔(yi)ji 😜(ji)ben 🕤(ben)shu ♎(shu)yu 🦒(yu)yu 💯(yu)shi 🆖(shi)yong 🍳(yong)gui 🙆(gui)ze 🗳(ze)（2022nian 😸(nian)ban 👽(ban)）》，xin ❄(xin)yong 👀(yong)shi 🏭(shi)jian 🍇(jian)de 🛳(de)chang 🦋(chang)jian 🚆(jian)lei 🌔(lei)xing 💞(xing)bao 💪(bao)kuo 👺(kuo)po 🐾(po)chan 🛥(chan)、zhi 🚯(zhi)fu 🏞(fu)wei 🧢(wei)yue 🥃(yue)、zhai 🥖(zhai)wu 🦆(wu)zhong 🦁(zhong)zu 🔜(zu)、zhai 🕺(zhai)wu 🌄(wu)jia 🌰(jia)su 😎(su)dao 🕺(dao)qi 📀(qi)、zhai 🌄(zhai)wu 🔵(wu)qian 🏡(qian)zai 🥊(zai)jia 🌖(jia)su 😷(su)dao 😋(dao)qi 🕋(qi)，shi 📛(shi)ji 🥛(ji)ye 🍩(ye)wu 🔌(wu)zhong 👶(zhong)chuang ❓(chuang)she 🈲(she)de 🐱(de)xin ✖(xin)yong 💄(yong)feng 🈹(feng)xian 🍄(xian)huan 🏖(huan)shi 🚢(shi)gong 🔟(gong)ju 🧝(ju)suo 🎧(suo)shi 🤷(shi)yong 🐇(yong)de 🐿(de)xin 🚔(xin)yong 🛫(yong)shi ⏬(shi)jian 🎬(jian)wang 🍢(wang)wang 🖤(wang)wei 🔰(wei)qi 🆗(qi)zhong 🔞(zhong)yi 🐰(yi)zhong 🏺(zhong)huo 🎶(huo)ji 🐿(ji)zhong 🔥(zhong)。 　　tou 🎀(tou)zi 🚄(zi)zhe 👂(zhe)zai 🌩(zai)gou 😟(gou)mai 🗾(mai)xin 🏇(xin)yong 📌(yong)bao 🕢(bao)hu 🌨(hu)de 🐫(de)shi 🕊(shi)hou 🔴(hou)ying 🆘(ying)te 🙎(te)bie 🔥(bie)zhu 🚔(zhu)yi 😳(yi)xin 🌤(xin)yong 😈(yong)shi 😳(shi)jian ⚡(jian)lei 🤰(lei)xing 🏘(xing)shi 🥏(shi)fou 📮(fou)bao 🎽(bao)han 🥊(han)le 💞(le)po 🌓(po)chan 🦀(chan)、zhi 👏(zhi)fu 🤸(fu)wei ⛹(wei)yue 🍴(yue)、zhai 🕌(zhai)wu 🤔(wu)zhong ♒(zhong)zu 🍣(zu)。zi 🐮(zi)ben 🚴(ben)xin ⚽(xin)gui 🅾(gui)ming 🈂(ming)que 🛅(que)yao 🎐(yao)qiu 📞(qiu)：di 🚕(di)yi 🍱(yi)，ru 🛩(ru)xin 🗾(xin)yong 🚧(yong)yan 💑(yan)sheng 🦐(sheng)gong 📪(gong)ju 🚍(ju)de 😿(de)he 🦍(he)yue 🤹(yue)gui ⚾(gui)ding 🔁(ding)de 🧀(de)xin 🏒(xin)yong 🏐(yong)shi 👿(shi)jian 🌷(jian)bu 🧠(bu)bao 🌳(bao)kuo 🔟(kuo)“wei ⚽(wei)an 🛸(an)yue 🐀(yue)ding 🕒(ding)zai 🔫(zai)ji 🎄(ji)chu 💻(chu)zhai 🚣(zhai)xiang 🏚(xiang)de 💦(de)zui 🏸(zui)zhong 🖥(zhong)zhi 📷(zhi)fu 📔(fu)ri 🛠(ri)zu 🥀(zu)e 🍛(e)lv 🐸(lv)xing ♍(xing)zhi 📋(zhi)fu 👭(fu)yi 😟(yi)wu 🤦(wu)，qie 🎙(qie)zai 🚖(zai)shi 🙅(shi)yong ♍(yong)de 🔛(de)kuan 🛑(kuan)xian 😡(xian)qi 😉(qi)jie 💞(jie)man 🛺(man)hou ❌(hou)reng 📁(reng)wei 🐐(wei)jiu 🏞(jiu)zheng 🗾(zheng)（ke 🐾(ke)li ✝(li)jie ☝(jie)wei 🍭(wei)zhi 📁(zhi)fu 💊(fu)wei 🐏(wei)yue ✌(yue)）；zhai 🍭(zhai)wu 🛄(wu)ren 👋(ren)po 🚔(po)chan 🍃(chan)、zi 🈯(zi)bu 🆓(bu)di 📬(di)zhai 🖊(zhai)huo 🌾(huo)wu 🎞(wu)li 🔋(li)chang 🙁(chang)hai 🐙(hai)zhai 🛤(zhai)wu ♊(wu)，huo 👊(huo)shu 🚞(shu)mian 🈷(mian)cheng 🍄(cheng)ren 🤸(ren)wu 🏤(wu)li 🍩(li)zhi 📠(zhi)fu 🐫(fu)dao 🌛(dao)qi 💷(qi)zhai 🦃(zhai)wu 🌕(wu)，yi 🥤(yi)ji 💆(ji)qi 🌻(qi)ta ✝(ta)lei 😣(lei)si 🏪(si)shi 🌺(shi)jian 💟(jian)（ke 😋(ke)li 📗(li)jie ✒(jie)wei 🍞(wei)po 👇(po)chan 🔜(chan)）”，ze ➖(ze)bu 🧝(bu)neng 🎈(neng)bei ➕(bei)ren 📉(ren)ding 🎗(ding)wei 🗝(wei)he 🕊(he)ge 😵(ge)xin 🎺(xin)yong 👺(yong)yan 🛩(yan)sheng 🐫(sheng)gong 🚣(gong)ju 🚖(ju)，wu 🚷(wu)fa 🕋(fa)qi 🎴(qi)dao 👤(dao)feng 🐹(feng)xian 🏝(xian)di 👚(di)bu 🛏(bu)zuo 🔄(zuo)yong 🗽(yong)。di ㊙(di)er 🐳(er)，ru 🌗(ru)xin 🚭(xin)yong ⛺(yong)yan 🗒(yan)sheng ➿(sheng)gong 🌳(gong)ju 💣(ju)bing 🕕(bing)wei 📫(wei)fu 🥨(fu)gai 🌓(gai)zhai 🤴(zhai)wu 🏈(wu)zhong 📰(zhong)zu 📶(zu)de 🌚(de)qing 🦕(qing)kuang 🤴(kuang)，ze 🍨(ze)zhi 🕣(zhi)neng 🎚(neng)bu 🎼(bu)fen 🧛(fen)ren ⏺(ren)ke 🈚(ke)xin 🦖(xin)yong ☝(yong)yan 🥞(yan)sheng 🆎(sheng)gong 🛁(gong)ju 😴(ju)de 🤢(de)feng 📄(feng)xian 🚁(xian)huan 🧙(huan)shi 🌿(shi)zuo 😳(zuo)yong 🌷(yong)——“ru 👲(ru)xin 🌏(xin)yong 🍜(yong)yan 🥨(yan)sheng 📠(sheng)gong 😍(gong)ju 🧦(ju)de 🚟(de)jin 🌮(jin)e 🔅(e)bu 🌖(bu)chao ⭐(chao)guo 🌰(guo)ji 👉(ji)chu 🐾(chu)zhai 🥍(zhai)xiang 🧤(xiang)de 🤢(de)jin 🛃(jin)e 🎸(e)，xin 👸(xin)yong 🙌(yong)yan ❗(yan)sheng 🗿(sheng)gong 🈷(gong)ju 😲(ju)fu ❗(fu)gai 🎃(gai)de 🌛(de)bu 👫(bu)fen 😺(fen)wei 😿(wei)xin 🌞(xin)yong 🕵(yong)yan ⛸(yan)sheng 💉(sheng)gong 🦐(gong)ju 💍(ju)jin 🤞(jin)e 🛷(e)de 🐅(de)60%；ru 🔭(ru)xin 😇(xin)yong 🤤(yong)yan 🍸(yan)sheng ♓(sheng)gong 🚇(gong)ju 🈳(ju)de 🐰(de)jin 😖(jin)e 🤑(e)da 🙄(da)yu 🐒(yu)ji 🤗(ji)chu 🚅(chu)zhai 🦅(zhai)xiang 🚄(xiang)de 🌚(de)jin 🍥(jin)e 💇(e)，xin 💞(xin)yong 🍹(yong)yan 😥(yan)sheng 🌗(sheng)gong 🌦(gong)ju 🦒(ju)fu 🛑(fu)gai 🚳(gai)bu 😘(bu)fen ☕(fen)de 🚭(de)shang 🦑(shang)xian 🚂(xian)wei 🏫(wei)ji ⤴(ji)chu 🍭(chu)zhai 🔎(zhai)xiang 👠(xiang)jin 🛌(jin)e 🛎(e)de 🖋(de)60%”，huan 🚅(huan)shi ❤(shi)xiao ✊(xiao)guo 👃(guo)da 🌦(da)da 🚖(da)zhe 🙅(zhe)kou 🍄(kou)。 　　3．guan 🚊(guan)zhu 🗻(zhu)xin 👧(xin)yong 🥕(yong)shi 🐁(shi)jian 🐘(jian)qi 🅿(qi)dian 🏯(dian)jin ♟(jin)e 😅(e) 　　zai 🎦(zai)po 🔌(po)chan 💛(chan)、zhi 💃(zhi)fu 🌜(fu)wei 🔒(wei)yue 🌾(yue)、zhai 🧢(zhai)wu 🏌(wu)zhong 💑(zhong)zu 📥(zu)、zhai 🗂(zhai)wu 🅿(wu)jia ⬛(jia)su 🌗(su)dao 🍛(dao)qi 🍫(qi)、zhai 🤘(zhai)wu 🤐(wu)qian 🆔(qian)zai 🕎(zai)jia 🎥(jia)su 🍴(su)dao 📩(dao)qi ✅(qi)5zhong 🚩(zhong)chang 🈁(chang)jian 🤔(jian)xin ⚽(xin)yong 🏦(yong)shi 🏙(shi)jian 🌶(jian)zhong 🐞(zhong)，chu 🌤(chu)po 🎒(po)chan ♎(chan)wai 🥏(wai)，qi 😧(qi)ta 🈸(ta)4zhong 👷(zhong)ke 🤦(ke)she 🐺(she)zhi 🕓(zhi)“qi 🚵(qi)dian 🏑(dian)jin 🃏(jin)e 👢(e)”。gen 💘(gen)ju 👞(ju)《zhong 🎞(zhong)guo 🔢(guo)chang 🎄(chang)wai 👡(wai)xin 🔻(xin)yong 🏜(yong)yan 🚟(yan)sheng 😛(sheng)chan 🆒(chan)pin 😧(pin)jiao 🧢(jiao)yi 🤼(yi)ji 🚴(ji)ben 🏠(ben)shu 🤖(shu)yu 💓(yu)yu 🚛(yu)shi 🧑(shi)yong 🙆(yong)gui 🕶(gui)ze 💆(ze)（2022nian 🌰(nian)ban 🦎(ban)）》，qi 💷(qi)dian 🕑(dian)jin 👚(jin)e 🍸(e)zhi 🎇(zhi)jiao 🗾(jiao)yi 🦐(yi)shuang 📁(shuang)fang 🌐(fang)zai 🐨(zai)xiang 🚺(xiang)guan 🙁(guan)jiao 😀(jiao)yi 🚯(yi)you 🐪(you)xiao 🐸(xiao)yue 🍛(yue)ding ⏺(ding)zhong 🍊(zhong)yue 🐴(yue)ding 🐃(ding)de 💛(de)shi 🍽(shi)yong 🙅(yong)yu 🖍(yu)mou 💒(mou)yi 🖋(yi)xin 🔓(xin)yong 😿(yong)shi 🔭(shi)jian 🚐(jian)de 🌇(de)jin 📨(jin)e 😅(e)，xiang 🧖(xiang)guan 🏌(guan)shi 🈴(shi)jian 🏖(jian)she 💨(she)ji 🅰(ji)de 🍹(de)zhai 🤪(zhai)wu 🕐(wu)huo ⛵(huo)ying 🈂(ying)fu 🍲(fu)kuan 💞(kuan)xiang 🦌(xiang)jin 🦇(jin)e 🍧(e)chao 📸(chao)guo 🌮(guo)gai 😝(gai)jin 🤫(jin)e 🤮(e)fang ⛪(fang)ke 🍱(ke)gou ⏮(gou)cheng 💌(cheng)gai 🏧(gai)xin 🍖(xin)yong ♿(yong)shi 🤥(shi)jian 🥛(jian)。qi 🎄(qi)dian 😨(dian)jin 🦃(jin)e 🌀(e)de ✌(de)shi 🍈(shi)yong 🈴(yong)gui 😼(gui)ze 🍤(ze)wei 🔱(wei)“ruo 🔞(ruo)jiao 🤘(jiao)yi 👇(yi)shuang ♿(shuang)fang 🐍(fang)zai 🎱(zai)xiang 🦄(xiang)guan 🔅(guan)jiao 🎦(jiao)yi 🚞(yi)you 😉(you)xiao 🚊(xiao)yue 🆒(yue)ding 🍶(ding)zhong 🅱(zhong)wei 〽(wei)yue 🏽(yue)ding 📖(ding)shi 🔇(shi)yong ➿(yong)yu 🤰(yu)xiang 🎍(xiang)guan 🏫(guan)xin 😬(xin)yong 🤰(yong)shi 🌰(shi)jian ➖(jian)de 💆(de)qi 📧(qi)dian 😈(dian)jin 🍬(jin)e 🚕(e)（yi 🈵(yi)wei 😱(wei)ming 😬(ming)que 🎭(que)yue 🎲(yue)ding 🥞(ding)dui 🔫(dui)xiang 🕧(xiang)guan 🔘(guan)xin 🎣(xin)yong ♐(yong)shi 🤥(shi)jian Ⓜ(jian)bu 🐮(bu)shi 〽(shi)yong 🎱(yong)qi 😀(qi)dian 🐩(dian)jin 🍆(jin)e 🐷(e)），ze 🛣(ze)jiu 🖕(jiu)zhi 🎋(zhi)fu 🦃(fu)wei ⏸(wei)yue 🚪(yue)huo 🎲(huo)qian 📘(qian)zai 👒(zai)zhi 🏘(zhi)fu 🆑(fu)wei 📈(wei)yue 🚆(yue)er 💂(er)yan 🔟(yan)，qi 🔢(qi)mo 🔲(mo)ren ❄(ren)de 🗡(de)qi 😯(qi)dian 😣(dian)jin 🕳(jin)e 🌿(e)wei 🙋(wei)yi 🐊(yi)bai 📟(bai)wan 🧠(wan)yuan 👥(yuan)ren ⚾(ren)min 💎(min)bi 🐳(bi)huo 🌥(huo)qi 🏂(qi)deng 🗝(deng)zhi 🐘(zhi)jin 🛳(jin)e 🎈(e)，jiu 📁(jiu)qi 🖼(qi)ta 😳(ta)xin ⛱(xin)yong 🚜(yong)shi 🎊(shi)jian 📃(jian)er 🛺(er)yan 👕(yan)，qi 💸(qi)mo 🔚(mo)ren 🚟(ren)de 🔟(de)qi 🚔(qi)dian 🐷(dian)jin 💾(jin)e 🎪(e)wei 🐩(wei)yi 💇(yi)qian 🙅(qian)wan ⏯(wan)yuan 🐊(yuan)ren 👲(ren)min 🐞(min)bi 😧(bi)huo 🐛(huo)qi 🔋(qi)deng 😌(deng)zhi 🚼(zhi)jin 🔧(jin)e 🕷(e)。” 　　zi 🦏(zi)ben 🔕(ben)xin 🍊(xin)gui ❄(gui)ming 🖨(ming)que 🚵(que)yao 👔(yao)qiu 🗝(qiu)，shang 🗯(shang)ye 🥙(ye)yin 🛣(yin)xing 🎰(xing)cai 🐵(cai)yong 🍍(yong)dai 🐃(dai)you 🛵(you)chang 🛌(chang)fu 🍦(fu)lin ⏩(lin)jie 🐷(jie)zhi 🦅(zhi)de 🤧(de)bao ♈(bao)zheng 👪(zheng)huo 🐅(huo)xin 🥘(xin)yong 🌘(yong)bao ⏺(bao)hu 😇(hu)，zai 🐉(zai)gai 📇(gai)lin 🤔(lin)jie 🍺(jie)zhi 🆘(zhi)zhi 🎵(zhi)xia 🔼(xia)chu 🔯(chu)xian ⛪(xian)sun 🏏(sun)shi 😃(shi)wu 🏨(wu)fa 🕞(fa)de 🕥(de)dao 📖(dao)pei 👖(pei)fu 👼(fu)shi 🛌(shi)，you ➰(you)shang 🌞(shang)ye 🙅(ye)yin 📱(yin)xing 📰(xing)cheng 🐇(cheng)dan 🌘(dan)di ⛺(di)yi 🧡(yi)sun 🦓(sun)shi 🥠(shi)。dui 🐧(dui)yu 🌓(yu)cai 💖(cai)yong 🤲(yong)ci 🥞(ci)lei 👡(lei)bao ⏲(bao)zheng 🏃(zheng)huo 🔭(huo)xin 🧣(xin)yong 🔐(yong)bao 🛹(bao)hu 🗑(hu)de 🤳(de)shang 🐭(shang)ye 🚙(ye)yin 🚞(yin)xing 🚜(xing)，qi 🏈(qi)feng 💒(feng)xian 🚵(xian)bao 🎆(bao)lu 🔜(lu)di 💆(di)yu 🏙(yu)lin 🗓(lin)jie ✖(jie)zhi 🍮(zhi)de 🎼(de)bu 🥙(bu)fen 🏋(fen)，ying 🥡(ying)cai 👩(cai)yong 👞(yong)1250%de 🍓(de)feng 🏦(feng)xian 👅(xian)quan ✂(quan)zhong 🏒(zhong)ji 😚(ji)liang 🍺(liang)feng 🚛(feng)xian 🦆(xian)jia 🎭(jia)quan 🚼(quan)zi 🏾(zi)chan 🕔(chan)。ru 🐇(ru)guo 📽(guo)jian 🥖(jian)guan 📒(guan)bu ㊗(bu)men 🤯(men)zai 🌪(zai)shi 🎷(shi)ji 🏐(ji)ye ✉(ye)wu 🕶(wu)zhong ⛅(zhong)jiang 🍘(jiang)qi 🏰(qi)dian 🐧(dian)jin ⚡(jin)e 🐕(e)de 🏆(de)she 🛀(she)ding 🤯(ding)ren 🗃(ren)ding 🔭(ding)wei 🗡(wei)xin 🐿(xin)yong 🥦(yong)bao 🌯(bao)hu 🚒(hu)de 🏂(de)lin 🌾(lin)jie 🍳(jie)zhi 🌔(zhi)，na 🀄(na)me 😌(me)tou 🎭(tou)zi 😸(zi)zhe 📌(zhe)xu 🍷(xu)yao 🍆(yao)dui 🗑(dui)gai 🙏(gai)bu 🔘(bu)fen 🚂(fen)cai 😑(cai)yong 🔜(yong)1250%de 🔼(de)feng 👺(feng)xian 🎸(xian)quan 🌻(quan)zhong ⚓(zhong)ji 🐘(ji)liang 👧(liang)feng ⚾(feng)xian 🌳(xian)jia 📄(jia)quan 🚂(quan)zi 😂(zi)chan 🧤(chan)。 　　4．guan 🎵(guan)zhu 🛃(zhu)jie 🏖(jie)suan 👕(suan)jin ♋(jin)e 👡(e)ji 😙(ji)suan 💃(suan)gong 📹(gong)shi 🛄(shi) 　　mu ♋(mu)qian ☔(qian)yin ⬇(yin)xing ⛵(xing)jian 🐲(jian)shi 🤸(shi)chang 🤕(chang)da 🔑(da)bu 📄(bu)fen 🏜(fen)xin 🔒(xin)yong 🔜(yong)feng 🕚(feng)xian 🤵(xian)huan 💦(huan)shi ⛱(shi)gong 💆(gong)ju 🚹(ju)cai 🌍(cai)yong 🙄(yong)shi 🔐(shi)wu 🐜(wu)jie 🍴(jie)suan 🕡(suan)fang 🌰(fang)shi 🦕(shi)，dan 🥦(dan)zai ♟(zai)jie 😡(jie)suan 💆(suan)jin 🏛(jin)e 🐨(e)ji 📠(ji)suan 🕯(suan)shang 👕(shang)ke ⤵(ke)neng 🎏(neng)cun 📐(cun)zai 💜(zai)liang 🆑(liang)zhong 🦊(zhong)qing 🍸(qing)kuang 🛃(kuang)：yi ♓(yi)zhong 🥋(zhong)shi 🔙(shi)“shi 💝(shi)wu 🍹(wu)jie 📽(jie)suan 🦍(suan)jin 🛒(jin)e ☝(e)=tou ⏭(tou)zi ⏸(zi)ren 🗳(ren)chi 🛐(chi)you 🥤(you)de 🥚(de)ping 📣(ping)zheng 🔆(zheng)ming 👯(ming)yi 🔨(yi)ben 📄(ben)jin 🏥(jin)jin 🎺(jin)e 🚂(e)”，ling 📏(ling)yi 🍀(yi)zhong 🧚(zhong)shi 🤭(shi)“shi 📱(shi)wu 🍫(wu)jie ⏹(jie)suan 😝(suan)jin ⛲(jin)e ⚪(e)=tou ⌚(tou)zi 🔲(zi)ren 🕠(ren)chi 💛(chi)you 🦅(you)de 🃏(de)ping 🅾(ping)zheng ➗(zheng)ming 🆙(ming)yi 🏿(yi)ben 🚌(ben)jin 💻(jin)jin 🕧(jin)e ☕(e)+jie 🌶(jie)zhi 🥒(zhi)biao 💭(biao)de ✊(de)zhai ➖(zhai)wu 💨(wu)dao 🌽(dao)qi 🖌(qi)ri 🧔(ri)huo 🍅(huo)shi 🐥(shi)wu 🔴(wu)jie 🐬(jie)suan 👶(suan)ri 📃(ri)biao 📘(biao)de 🤒(de)zhai ✨(zhai)wu ♑(wu)dui 🈯(dui)ying 🍌(ying)mian ✌(mian)zhi 🗞(zhi)de 😩(de)ying ⏸(ying)fu 🐁(fu)wei 🌙(wei)fu 🐘(fu)li 🌏(li)xi 👕(xi)”。zi 🔼(zi)ben 🐿(ben)xin 📁(xin)gui 🅿(gui)ming 🌝(ming)que 🔭(que)yao ⏭(yao)qiu 👘(qiu)，ruo 🏴(ruo)bao 🈲(bao)zheng 🤰(zheng)he 🍼(he)tong 🛂(tong)zhi 🙌(zhi)she 👺(she)ji 🤡(ji)dui 🤳(dui)ben ♒(ben)jin 🤰(jin)de 😌(de)zhi 🦇(zhi)fu 😟(fu)，li 😡(li)xi 🗓(xi)he 🥩(he)qi 🚘(qi)ta 👑(ta)wei 🍾(wei)fu 🐹(fu)gai 🔼(gai)de 📔(de)kuan 🥌(kuan)xiang 🥤(xiang)ying 🤑(ying)an 📿(an)zhao 🌳(zhao)wei 🌷(wei)huan ⭐(huan)shi 👎(shi)bu 🧟(bu)fen 🤠(fen)chu 🕵(chu)li 🍋(li)。ru 🕰(ru)guo 🧚(guo)jie 🏸(jie)suan 👇(suan)jin 🔈(jin)e 🔋(e)ji 🌹(ji)suan 🛵(suan)fang 🖥(fang)shi 💇(shi)wei 📈(wei)di ❄(di)yi 🐕(yi)zhong ♉(zhong)，ze 🏁(ze)ying 🔙(ying)jiang 🤐(jiang)li 🔲(li)xi 🐤(xi)shi ⚡(shi)wei 😚(wei)wei 🐿(wei)de 🥊(de)dao 🚀(dao)huan 😬(huan)shi 📀(shi)jin 🥩(jin)xing 🛢(xing)chu 💎(chu)li 🌈(li)。 　　can 💯(can)kao 🕠(kao)wen 🙊(wen)xian 🕊(xian) 　　[1] li ➰(li)xin 🐗(xin)，zheng 💎(zheng)qing 🐕(qing)．zhai 🎊(zhai)quan 🎤(quan)shi ✏(shi)chang 🏨(chang)xin 🍵(xin)sheng 🗽(sheng)yin 🚛(yin)：xin ⬛(xin)yong 🚋(yong)feng 🛢(feng)xian 🈺(xian)huan 💂(huan)shi 🔢(shi)gong ❗(gong)ju 🚑(ju)zai 🤬(zai)chu 💵(chu)fa 🕌(fa)[J]．jin 😣(jin)rong 🦔(rong)shi 👮(shi)chang 🙊(chang)yan 🔩(yan)jiu 🥩(jiu)，2017（4）：95-104． 　　[2] lu 🤠(lu)zheng 🏗(zheng)wei ✖(wei)．wo 🤖(wo)guo 🕝(guo)yan 💽(yan)sheng 🍙(sheng)pin 🛂(pin)shi 🗃(shi)chang ⬛(chang)jia ⛄(jia)kuai ✒(kuai)fa ❗(fa)zhan 💖(zhan)zheng 🗄(zheng)dang 🚙(dang)shi 📲(shi)[J]．jin 🚘(jin)rong 📠(rong)shi 🧐(shi)chang ⤵(chang)yan ㊗(yan)jiu 🍈(jiu)，2022（11）：7-18． 　　[3] guo 🌟(guo)hui ⏫(hui)ming 🏚(ming)，wu ✉(wu)guan 😾(guan)hua 🚗(hua)．CRMWru 🎐(ru)he 🏟(he)zhi ➰(zhi)chi 😊(chi)min 😚(min)ying 🍕(ying)qi 🏏(qi)ye 💬(ye)zhai 😛(zhai)quan 🚋(quan)rong 🍖(rong)zi 🐃(zi)？[J]．jin 👵(jin)rong 🎄(rong)shi 🐪(shi)chang 😆(chang)yan 🥓(yan)jiu 😼(jiu)，2019（2）：42-49． 　　[4] qiao 🚋(qiao)da 📥(da)wei 🐏(wei)，zhuang ❓(zhuang)yuan 🏘(yuan)．xin 🍀(xin)yong 🍸(yong)huan 🥨(huan)shi 🌅(shi)gong 🌘(gong)ju 📲(ju)mai 🏉(mai)fang 📝(fang)dui 🦒(dui)ke 🔚(ke)jiao 🧘(jiao)fu ⏯(fu)zhai 🛋(zhai)wu 📨(wu)de 🌨(de)fa ♑(fa)lv 🚜(lv)shi 🔛(shi)jiao 💲(jiao)[J]．jin 😽(jin)rong 🛳(rong)shi 🎢(shi)chang 🚕(chang)yan 🏠(yan)jiu 🐘(jiu)，2018（6）：93-106． 　　[5] zhang 💕(zhang)hai 🥋(hai)yun 👯(yun)，zuo 👓(zuo)si 😖(si)bin 👅(bin)，wang 🖲(wang)bo 🧗(bo)．xin 🍃(xin)yong 🏳(yong)feng 🤑(feng)xian 🙊(xian)huan 🕧(huan)shi 🌁(shi)gong 🕤(gong)ju 🥁(ju)：chan ⛑(chan)pin 🛄(pin)gai 💱(gai)zao 🍌(zao)yu 👣(yu)huan 🔋(huan)shi 💔(shi)shi 🎆(shi)xiao 📲(xiao)[J]．ke 🎵(ke)xue 🏷(xue)jue ⏳(jue)ce 🐺(ce)，2014（5）：47-57． 　　◇ ben 🖇(ben)wen 🙉(wen)yuan 😜(yuan)zai 🌶(zai)《zhai 🍓(zhai)quan ♈(quan)》2024nian 🔀(nian)5yue 🍴(yue)kan 😮(kan) 　　◇ zuo 🔝(zuo)zhe 🏽(zhe)：bo 👼(bo)hai 🌐(hai)yin 〽(yin)xing 🌯(xing)zi 🖍(zi)jin ⛅(jin)yun 📚(yun)ying 🖤(ying)zhong 🙌(zhong)xin 🈹(xin)　yang 👦(yang)lu 🌱(lu) 　　tian 😤(tian)jin 🖐(jin)yin 🎺(yin)xing 🥧(xing)tou 📚(tou)zi 🚇(zi)yin ❇(yin)xing 📽(xing)bu 💝(bu)　luan 🍼(luan)hong 👎(hong)xi ♌(xi) 　　◇ bian 🎫(bian)ji 🥡(ji)：tang ⚫(tang)jie 😍(jie)long 🐢(long)　lu 🏡(lu)ning 🍸(ning)ning 😚(ning)