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)