通道业务风险频现 部分P2P平台自建资产渠道

通道业务风险频现 部分P2P平台自建资产渠道 除了欺诈类网贷平台，近期，以贷帮为典型的通道类业务风险不断暴露，而中汇在线踩雷事件更是让第三方通道型平台敲响了警钟，这也让P2P通道模式再次引发热议。 《每日经济新闻》记者注意到，目前，部分典型的通道型P2P平台开始尝试自建资产渠道，包括有利网，积木盒子，银客网等。 自建资产渠道可更好覆盖风险点 “作为纯通道而将风控主要交给合作机构来进行，其风险是不言而喻的。以小贷公司为例,双方虽有共同的业务追求，但在尽职调查、还款甚至项目的真实性上，项目推送方无疑有更多的操作空间，使得投资风险陡增。由于一般项目推送方还承诺兜底，在逾期失控、资金无以为继时，其(成)立假项目做庞氏(骗局)也是有可能的，这种渠道级别的断链风险是平台所不能承担的。鉴于此，自建渠道可以更好地从项目起源把握其风险，从销售、系统、尽调和审计方面逐一覆盖风险点。此外，除风险相对可控，自有渠道也可以提供稳定的项目来源，避免受到渠道波动(甚至失去)的影响。”积木盒子风控副总裁谢群分析指出。 谢群进一步表示，从目前已有自建渠道的平台来看，一旦建成，是有较强的持续性。事实上，一般的线下债权渠道(门店)近年发展比较迅猛，而得到P2P网上资金支持的自有渠道无疑更有优势。 不过，易通贷CEO康文表示，虽然将P2P定义为中介平台，但目前纯通道业务模式不适合国情;同时，对于其他P2P平台采用介入资产端模式，个人不看好，原因之一就是成本高。 可持续性考验平台资金实力 对于P2P通道模式，仁和智本资产管理集团合伙人陈宇日前指出，“P2P平台自己没有资产，也无能力建立资产，然后就联合大量的资产生产方来提供资产;(P2P平台)作为通道帮助这些资产更好地在线销售，通道模式的本质其实是非标资产的证券化过程。如果能实现真正的证券化，其实是挺好的事情，但难就难在我国很难实现所谓真正的证券化。” 或许，正是因为考虑到上述难点，《每日经济新闻》记者注意到，部分典型的通道型P2P平台，如有利网，积木盒子，银客网等，已经开始尝试自建资产渠道。 “自建渠道是出于对于不同资产类型分散资产的考虑，也是从安全性角度考虑。自建渠道能够丰富平台当前的资产类型，拓展与小贷公司合作的模式，提升风险控制能力，掌握更多的借款数据。”有利网相关人士分析指出。 银客网相关人士也对《每日经济新闻》记者表示，其平台也已经自建与深度合作了多个标准化资产品类，如房产抵押类项目。同时， 计划 项目进度计划表范例计划下载计划下载计划下载课程教学计划下载 在2015年加强线下资产端的发展与合作规模。安全必须放在第一位，在此基础上寻找与开拓标准化的资产，也决定着平台能否快速发展，如房产抵押这类项目非常标准化，且资产优质，风控评估、处置等也会较为便利。 那么，这种自建渠道可持续性又如何呢, “目前，资金量较小，作为一种尝试。在尝试过程中，首先，要做到有专业的人来做专业的事;其次，就是风险控制，建立针对不同资产的风控模型和能力。”上述有利网相关人士表示。 上述银客网人士也认为，市场上的优质资产一定会成为2015年P2P平台间争夺的要点，这是必须要紧紧把握，也是可持续的。目前，行业内已逐步涌现出一些细分雏形，原有的P2P平台通过初步建立线上平台，占领C端资金，而后基本都在大力下沉业务，目的也是为了在资产端这个金融安全核心建立壁垒。事实上，产品安全性决定着平台发展，投资人再多，项目一旦出问题，风控不得力，坏账无法覆盖也是不行的。 寇权则对《每日经济新闻》记者表示，P2P平台的核心竞争力是风控，然而，做通道型业务就意味着平台风控或多或少依赖于其他机构，并且平台在项目的获取上较为被动。P2P平台自建渠道的优势，是可掌握更多的优质资源，并在第一时间对优质项目进行风控掌握;不过，平台自建渠道将会增加平台的人力物力等相关成本，最终能持续多久，还要看平台的运营模except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; 式及资金实力。 通道业务风险不断暴露 据梳理，目前，P2P市场主要有以下几种通道模式:纯通道，即纯为P2P平台提供通道服务(如出品的“投之家”);合作型，即与P2P平台合作推出所谓新产品的通道服务(如微财富);类ETF型，即平台先用自有资金购买大量的P2P平台债权，形成一个每日浮动利率的债权池，然后债权转让的形式销售给用户(如火球网的火球计划);还有就是拿线下债权或给线下金融机构做通道，典型的如有利网和积木盒子。 值得注意的是，2014年下半年以来，P2P通道业务的风险不断暴露。先有贷帮网因一笔1280万元的逾期遭遇危机，接着中汇在线爆雷，使得线上第三方销售平台微财富陷“兑付门”„„ “通道业务风险频现，其实是个很正常的现象，传统金融领域爆发出来的风险比P2P要多得多，金额也更大，只不过当前处于信息化时代，P2P行业一旦出现这种风险其传播与信息扩散会更快。风险其实并不可怕，可怕的是看不见的风险，如果单纯做通道，无法在资产端进行有效风控，那么通道型平台的缺陷就严重暴露。互联网金融必须要重视的核心能力都是风险控制，这是所有平台都必须坚持的，重风控与信息中介也不冲突，反而有助于发挥通道型平台的优势，让优质资产及项目模式发挥更大价值。”银客网相关人士分析表示。 中国电子商务研究中心互联网金融部分析师钱海利向《每日经济新闻》记者指出，通道类业务是一种投机性行为，风险频现的原因在于项目本身存在高危性以及P2P平台的风控能力弱。随着银行及相关金融机构在互联网方面逐渐成熟，目前发展通道业务的P2P平台可能会被边缘化。 钱海利表示，P2P平台通常靠高收益吸引用户，正常的投资收益在市场上是没有竞争力的。在巨大的利益面前，平台大多把风险意识放在一边，自动或被迫追逐通道业务。其实，缺乏运营经验的P2P平台应该从事风险分散、结构合理的项目运营，对于资金项目过大、风险过高的项目一定要慎重进入，一旦出事对平台和投资人的打击比较沉重。 鑫茂荣信财富总裁寇权亦表示，目前，一些P2P平台在具体操作上，有意无意引入高风险项目，使平台资金流向了房地产、矿产、股票、创投等高风险领域，一旦交易流程环节过多增加，将成为行业风险频现的主要原因。从平台经营的原点来说，通道业务不能说是P2P的本业，只能是另一种“增信”业务。在这种模式下，平台只能部分介入或者完全不介入风控，一旦出现大规模逾期风险事件，平台无法第一时间有充足准备来应对，命运无法掌握在自己手里。 except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; 福建投资 福建p2p 福建网贷 福建理财 福建赚钱 编辑:bszcm except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method; except fibrillation and complex law 2 3. high requirements ( 1) disease and number of contracts number of disease syndrome after cardiopulmonary resuscitation in multiple organ dysfunction syndrome more than 2 2 (2) clinical knowledge, skills required: clinical operations technical contract blood purification technique 2 people ... ... (1) the number of species and number of cases (?) gallstone 2 peptic ulcer ... Clinical technical cases (?) peripheral venipuncture (trainee) 1 lumbar puncture (trainee) 1 Naso-gastric tube placement (internship) 1 (3) foreign language, teaching, research and other requirements: reading English documents, assist in clinical teaching (theory and practice), and participate in clinical research activities. (J) obstetrics and Gynecology 1. Rotary objective: torsion of ovarian tumor, ectopic pregnancy, amniotic fluid embolism and hypertensive disorders of pregnancy, prenatal postpartum haemorrhage, etiology, pathophysiology, clinical manifestations, diagnosis, and treatment; normal delivery process; common gynecological physical examination, after posterior FORNIX of vagina puncture indication and operating methods, obstetric apparatus using methods commonly used. Familiar with: Pregnancy, pregnancy and normal delivery of knowledge spontaneous abortion, premature birth, pelvic inflammatory disease, and genital inflammation, clinical manifestations, diagnosis, and treatment of cervicitis; principles of differential diagnosis and treatment of vaginal bleeding; abdominal amniocentesis indication and operation method;