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            "id": 1359,
            "title": "北京市互联网信息办公室发布《北京市扫码消费服务违规收集使用消费者个人信息案例解析及合规指引》",
            "describe": "近期，市网信办联合市交通委、市商务局、市市场监管局、人民银行北京市分行和市消协等相关部门，通过实地暗访和线上检测等方式，对市民日常生活消费常用二维码、小程序进行了抽样测",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_08_31/%E5%8D%8F%E8%B4%B7%E7%BD%911359.jpg",
            "source": "北京市商务局",
            "content": "<p style=\"margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; background-color: #ffffff; letter-spacing: 0.578px; visibility: visible;\">&nbsp;</p>\r\n<section style=\"margin: 15px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: center; transform: translate3d(3px, 0px, 0px); justify-content: center; display: flex; flex-flow: row nowrap; visibility: visible;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 629.588px; vertical-align: top; border-style: solid; border-width: 1px; border-color: rgba(48, 117, 153, 0.34); align-self: flex-start; flex: 0 0 auto; visibility: visible;\">\r\n<section style=\"margin: -5px 0px 4px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: translate3d(-5px, 0px, 0px); justify-content: center; display: flex; flex-flow: row nowrap; visibility: visible;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 627.599px; vertical-align: top; border-style: solid; border-width: 1px; border-color: rgba(48, 117, 153, 0.34); align-self: flex-start; flex: 0 0 auto; visibility: visible;\">\r\n<section style=\"margin: 15px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;\">\r\n<section style=\"margin: 0px; padding: 0px 10px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #3e3e3e; line-height: 1.9; text-align: justify; visibility: visible;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal; visibility: visible;\">&nbsp; &nbsp; &nbsp; &nbsp;近期，市网信办联合市交通委、市商务局、市市场监管局、人民银行北京市分行和市消协等相关部门，通过实地暗访和线上检测等方式，对市民日常生活消费常用二维码、小程序进行了抽样测试，并对存在强制关注、违规收集使用消费者个人信息等问题的经营者展开联合约谈，督促经营者认真整改，提高合规经营意识。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal; visibility: visible;\">&nbsp; &nbsp; &nbsp; &nbsp;为切实有效指导经营者充分认识消费者个人信息保护的重要性，清楚了解收集使用消费者个人信息的范围边界，进一步强化经营者的合规意识，市网信办联合国家互联网应急中心北京分中心，结合我市实际情况，按照消费者真实扫码消费体验过程中可能遇到问题的先后顺序，整理出六类违规问题，制定《北京市扫码消费服务违规收集使用消费者个人信息案例解析及合规指引》，现公开发布。</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px 10px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; line-height: 1.9; visibility: visible;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal; visibility: visible;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; white-space: normal; visibility: visible;\"><span style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px; visibility: visible;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;\">北京市扫码消费服务违规收集使用</strong></span></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; white-space: normal; visibility: visible;\"><span style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px; visibility: visible;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;\">消费者个人信息案例解析及合规指引</strong></span></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal; visibility: visible;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal; visibility: visible;\">&nbsp; &nbsp; &nbsp; &nbsp;为进一步规范我市扫码消费服务经营行为，切实保护消费者个人信息合法权益，综合对我市提供扫码消费服务二维码抽样测试情况，对六类常见易发违规问题进行案例解析，根据《中华人民共和国个人信息保护法》《App违法违规收集使用个人信息行为认定方法》等法律法规，提出六条合规指引，供全市提供扫码消费服务的经营者遵照执行。</p>\r\n</section>\r\n<section style=\"margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: center; visibility: visible;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: #456bb0; font-size: 32px; visibility: visible;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal; visibility: visible;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n<section style=\"margin: -23px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; visibility: visible;\">\r\n<section style=\"margin: 0px; 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padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 23px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px; text-align: justify; color: #456bb0;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">违规问题及案例解析</strong></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: perspective(0px); transform-style: flat;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; transform: rotateY(180deg);\">\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\">&nbsp;</p>\r\n<section style=\"margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px 0px 0px 13px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: #ffffff;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">问题一：强制或诱导消费者关注公众号</strong></p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: 23px; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; overflow: hidden; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -20px; padding: 0px 7px 0px 22px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; align-self: stretch; overflow: hidden;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(338deg);\">\r\n<section style=\"margin: -10px 0px -3px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center; transform: translate3d(-6px, 0px, 0px);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 10px; height: 49px; vertical-align: top; overflow: hidden; background-color: #ffcf47; box-shadow: #ffffff -7px 0px 0px 0px;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 27px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 100 100 0%; background-color: rgba(93, 142, 255, 0.11); height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.9;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">案例1：某大型商业中心扫码缴停车费</strong></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">该商业中心停车场内粘贴&ldquo;先缴费 后离场 扫码缴停车费&rdquo;二维码，当消费者通过微信扫描二维码时，弹出该商业中心公众号，消费者点击关注公众号后，公众号向消费者发送一键停车缴费小程序链接。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">案例2：某大型超市扫码开发票</strong></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">消费者在该超市购物时，须通过扫描购物小票上的二维码开具发票，过程中强制要求消费者关注超市公众号，关注后向消费者发送开具电子发票的链接，消费者点击进入方可开具发票。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">违规行为解析：</strong>根据《中华人民共和国个人信息保护法》第五条和第六条有关规定，处理个人信息应当遵循合法、正当、必要和诚信原则，不得通过误导、欺诈、胁迫等方式处理个人信息。处理个人信息应当具有明确、合理的目的，并应当与处理目的直接相关，采取对个人权益影响最小的方式。案例1中商业中心停车场内粘贴的停车缴费二维码，实际为商场公众号二维码，须关注该公众号后才可缴纳停车费，属于诱导消费者关注公众号。案例2中超市强制消费者关注公众号后才能开具发票，属于强制消费者关注公众号。上述两个案例均未采取对个人权益影响最小的方式处理个人信息，侵害了消费者的个人信息合法权益。</p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px 0px 0px 13px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: #ffffff;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">问题二：未通过弹窗等显著方式告知</strong><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">消费者隐私政策</strong></p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: 23px; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; overflow: hidden; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -20px; padding: 0px 7px 0px 22px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; align-self: stretch; overflow: hidden;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(338deg);\">\r\n<section style=\"margin: -10px 0px -3px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center; transform: translate3d(-6px, 0px, 0px);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 10px; height: 49px; vertical-align: top; overflow: hidden; background-color: #ffcf47; box-shadow: #ffffff -7px 0px 0px 0px;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 0%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 0px; height: 0px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 6px; border-color: #396bdf #396bdf rgba(255, 255, 255, 0) rgba(255, 255, 255, 0);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 27px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 100 100 0%; background-color: rgba(93, 142, 255, 0.11); height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.9;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">案例3：某购物中心扫码缴停车费</strong></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">该购物中心停车场在消费者使用扫码缴纳停车费功能时，引导消费者打开购物中心小程序，该小程序在特定功能下会获取消费者的手机号码、精确地理位置等个人信息，但未在首次使用时提示用户阅读隐私协议，并征得用户同意。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">违规行为解析：</strong>根据《中华人民共和国个人信息保护法》第十七条有关规定，个人信息处理者在处理个人信息前，应当以显著方式、清晰易懂的语言真实、准确、完整地向个人告知个人信息的处理目的、处理方式，处理的个人信息种类、保存期限等事项。案例3中购物中心停车缴费小程序在首次使用时，在未提供隐私协议的情况下直接索要消费者个人信息，属于未向消费者告知个人信息处理规则的行为，侵害了消费者的个人信息合法权益。</p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px 0px 0px 13px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: #ffffff;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">问题三：频繁提示注册登录，干扰消费者使用</strong></p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: 23px; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; overflow: hidden; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -20px; padding: 0px 7px 0px 22px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; align-self: stretch; overflow: hidden;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(338deg);\">\r\n<section style=\"margin: -10px 0px -3px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center; transform: translate3d(-6px, 0px, 0px);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 10px; height: 49px; vertical-align: top; overflow: hidden; background-color: #ffcf47; box-shadow: #ffffff -7px 0px 0px 0px;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 0%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 0px; height: 0px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 6px; border-color: #396bdf #396bdf rgba(255, 255, 255, 0) rgba(255, 255, 255, 0);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 27px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 100 100 0%; background-color: rgba(93, 142, 255, 0.11); height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.9;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">案例4：某连锁奶茶店扫码点餐</strong></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">在该奶茶店扫码点餐时，提示用户使用手机号等个人信息注册登录，在消费者明确拒绝后，仍会以弹窗方式频繁提示注册登录，严重干扰使用。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">违规行为解析：</strong>根据《App违法违规收集使用个人信息行为认定方法》第三条第二项有关规定，用户明确表示不同意后，仍收集个人信息或打开可收集个人信息的权限，或频繁征求用户同意、干扰用户正常使用，此类行为可被认定为违规收集用户个人信息。案例4中商家在消费者扫码点餐时，多次弹窗提示消费者使用手机号码等信息注册登录，属于干扰用户正常使用行为。</p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px 0px 0px 13px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: #ffffff;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">问题四：强制消费者提供与功能无关的个人信息</strong></p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: 23px; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; overflow: hidden; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -20px; padding: 0px 7px 0px 22px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; align-self: stretch; overflow: hidden;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(338deg);\">\r\n<section style=\"margin: -10px 0px -3px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center; transform: translate3d(-6px, 0px, 0px);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 10px; height: 49px; vertical-align: top; overflow: hidden; background-color: #ffcf47; box-shadow: #ffffff -7px 0px 0px 0px;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 0%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 0px; height: 0px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 6px; border-color: #396bdf #396bdf rgba(255, 255, 255, 0) rgba(255, 255, 255, 0);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 27px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 100 100 0%; background-color: rgba(93, 142, 255, 0.11); height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.9;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">案例5：某大型商业中心扫码缴停车费</strong></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">消费者在该商业中心扫描停车场二维码时，商家强制要求消费者使用手机号注册登录，注册时强制要求填写姓名、出生日期、性别等与提供功能无关的个人信息。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">案例6：某连锁奶茶店扫码开发票</strong></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">使用该连锁奶茶店扫码开发票服务时，强制要求用户填写手机号码，用户拒绝后提示用户完善信息，否则无法开具发票。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">违规行为解析：</strong>根据《中华人民共和国个人信息保护法》第六条有关规定，收集个人信息，应当限于实现处理目的的最小范围，不得过度收集个人信息。案例5中商家在消费者缴纳停车费时，强制要求用户提供手机号、姓名、出生日期、性别等非必要个人信息，用户拒绝后无法完成停车缴费。案例6中商家在开具发票时，强制要求消费者提供手机号码，消费者拒绝后无法开具发票。上述两个案例属于强制消费者提供非必要个人信息行为，侵害了消费者的个人信息合法权益。</p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px 0px 0px 13px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: #ffffff;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">问题五：违规向第三方提供消费者个人信息</strong></p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: 23px; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; overflow: hidden; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -20px; padding: 0px 7px 0px 22px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; align-self: stretch; overflow: hidden;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(338deg);\">\r\n<section style=\"margin: -10px 0px -3px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center; transform: translate3d(-6px, 0px, 0px);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 10px; height: 49px; vertical-align: top; overflow: hidden; background-color: #ffcf47; box-shadow: #ffffff -7px 0px 0px 0px;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 0%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 0px; height: 0px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 6px; border-color: #396bdf #396bdf rgba(255, 255, 255, 0) rgba(255, 255, 255, 0);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 27px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 100 100 0%; background-color: rgba(93, 142, 255, 0.11); height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.9;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">案例7：某餐饮公司扫码开发票</strong></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">该餐饮公司使用第三方服务商开发的发票助手提供服务，当消费者扫码开发票时，未征得消费者同意便跳转到第三方小程序，该小程序强制要求消费者注册登录第三方服务商账号，用户拒绝则无法继续使用相关业务。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">违规行为解析：</strong>根据《中华人民共和国个人信息保护法》第二十三条有关规定，个人信息处理者向其他个人信息处理者提供其处理的个人信息的，应当向个人告知接收方的名称或者姓名、联系方式、处理目的、处理方式和个人信息的种类，并取得个人的单独同意。案例7中商家在未经消费者同意的情况下将消费者开票信息提供给第三方服务商，属于未经同意向他人提供个人信息行为，侵害了消费者的个人信息合法权益。</p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px 0px 0px 13px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: #ffffff;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">问题六：未向消费者提供删除个人信息的功能选项</strong></p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: 23px; align-self: stretch; flex: 0 0 auto; background-color: #5d8eff; overflow: hidden; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -20px; padding: 0px 7px 0px 22px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; align-self: stretch; overflow: hidden;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(338deg);\">\r\n<section style=\"margin: -10px 0px -3px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center; transform: translate3d(-6px, 0px, 0px);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 10px; height: 49px; vertical-align: top; overflow: hidden; background-color: #ffcf47; box-shadow: #ffffff -7px 0px 0px 0px;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 0%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 0px; height: 0px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 6px; border-color: #396bdf #396bdf rgba(255, 255, 255, 0) rgba(255, 255, 255, 0);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 27px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 100 100 0%; background-color: rgba(93, 142, 255, 0.11); height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.9;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">案例8：某连锁奶茶店扫码点餐</strong></p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">消费者使用该奶茶店二维码扫描点餐时，便进入奶茶店小程序，其隐私政策指出会在特定场景下收集消费者的手机号码、位置、地址、微信昵称、头像等个人信息，但未提供删除个人信息或注销账号相关功能。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">违规行为解析：</strong>根据《App违法违规收集使用个人信息行为认定方法》第六条第一项有关规定，未提供有效的更正、删除个人信息及注销用户账号功能，可被认定为违规收集使用个人信息行为。案例8中商家在消费者扫码点餐时，其小程序收集消费者个人信息，但未设置注销或删除个人信息功能，属于未按法律规定提供删除或更正个人信息功能行为，侵害了消费者的个人信息合法权益。</p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 10px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: #456bb0; font-size: 32px;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n<section style=\"margin: -23px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgba(255, 255, 255, 0.72); min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; justify-content: center; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 23px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; color: #456bb0;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\"><strong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">合规指引</strong></p>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: perspective(0px); transform-style: flat;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; transform: rotateY(180deg);\">\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 0px -6px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; transform: rotateZ(45deg);\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; width: 16px; height: 16px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 3px 3px 0px 0px; border-color: #456bb0;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0px 0px 10px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 0%; height: auto;\"></section>\r\n<section style=\"margin: 0px; padding: 27px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 100 100 0%; background-color: rgba(93, 142, 255, 0.11); height: auto;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: justify; line-height: 1.9;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp; &nbsp; &nbsp; 1.提供扫码消费服务的二维码应当与提供会员服务的二维码予以区分，以醒目方式提示消费者二维码的实际作用或功能；不得强迫或诱导消费者关注经营者公众号，推送营销信息的，应当提供退订或拒绝选项。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp; &nbsp; &nbsp; 2.提供扫码消费服务的小程序，在收集消费者个人信息前应当以弹窗或其他显著方式向消费者提示隐私政策；不得默认勾选同意或仅提供同意选项。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp; &nbsp; &nbsp; 3.提供扫码消费服务期间，小程序应当限制权限获取频次及个人信息采集频率；不得频繁弹窗，干扰消费者正常使用。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp; &nbsp; &nbsp; 4.提供扫码消费服务的经营者在收集使用消费者个人信息时，应当遵守相关法律法规，征得消费者同意；不得以任何形式和理由强迫消费者同意经营者收集与其提供服务无关的个人信息。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp; &nbsp; &nbsp; 5.提供扫码消费服务的<span style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 0.578px;\">经营者</span>将消费者个人信息共享至第三方使用前，应当告知消费者并征得消费者同意；未经消费者同意或者消费者明确表示拒绝的，不得将消费者个人信息共享至第三方。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp; &nbsp; &nbsp; 6.提供扫码消费服务的经营者应当向消费者提供注销账号服务，不得为账号注销功能设置捆绑注销、要求消费者提供各种不合理证明等不必要条件。</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; white-space: normal;\">&nbsp;</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: right; white-space: normal;\">北京市互联网信息办公室</p>\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: right; white-space: normal;\">2023年8月30日</p>\r\n</section>\r\n</section>\r\n</section>\r\n<section style=\"margin: 0.5em 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\">\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; border-top: 1px dashed #a0a0a0;\"></section>\r\n</section>\r\n<section style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 14px; color: #a5a2a2; text-align: right;\">\r\n<p style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: left;\">信息来源：北京市互联网信息办公室</p>\r\n</section>",
            "type": 1,
            "type_name": "行业资讯",
            "count": 130,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2023-08-31 00:00",
            "modified": "2025-06-27 11:46",
            "recommend": "不推荐"
        },
        {
            "id": 661,
            "title": "企业贷款有哪些必要环节？",
            "describe": "企业贷款有哪些必要环节？",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/661.jpg",
            "source": "亚投宏远",
            "content": "<p> </p>\n<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-size: 12px; font-family: 宋体;\">企业发展的过程中需要用到钱的地方是很多的，如果资金链出现问题，企业后续的问题还有很多。目前，国家在<strong>企业贷款</strong>建设方面做出了不少的正向的引导，而且很多金融机构也围绕普惠金融数字化转型，在金融产品服务创新方面取得了不错的成绩，而且普惠金融服务的自动化水平也越来越高，也大大地提升了客户体验。企业贷款金融机构能够更好地赋能小微企业，且满足融资高效和精准投放的标准，可以提供更专业的信贷金融方案助力企业发展取得更大的进步。</span></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-size: 12px; font-family: 宋体;\">企业贷款并不是简单的资金贷款，不仅仅资金量比较大，且资金贷款的时间周期相对来说不短，因此，必须要清楚如何去选择合适的<strong>企业贷款</strong>方案。专业机构可以发挥金融大数据的优势，可以为不同的目标群体提供贷款服务，可以利用供应链思维来更好地解决小微企业融资难题。在实际的企业贷款过程中，有哪些必要的环节呢？这也是很多中小微企业会面临的问题，在确定适合的金融信贷方案之前，要详细了解实际的贷款相关环节。</span></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-size: 12px; font-family: 宋体;\">以亚投宏远为例子，在企业贷款之前，需要调查和了解贷款企业的基本情况，需要清楚相关的准入资质是什么，到底企业能不能获得贷款？这是最关键的步骤，之所以要重点考虑这些问题，因为银行等金融机构会根据贷款方的问题来衡量放款以后能不能按时收回贷款。因为贷款机构在放贷之前，也会考虑选择最优质的客户，这样才可以最大限度保证信贷资产的安全性和资金的安全性，审查审批是<strong>企业贷款</strong>的大前提。</span></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-size: 12px; font-family: 宋体;\">另外，还需要进行企业贷款需求和企业还款能力的评估，还需要结合风险评估进行分析，这个步骤会在一定程度上决定企业贷款的实际额度、期限等。通常来说，可以从销售、资产、负债等方面去进行需求原因的分析，从而进行企业贷款的实际测算。而且每个贷款企业其实都有不同的实际状况和特定环境，优质的金融机构可以精准支持小微企业，而且也能够更好地促进小微融资成本合理下行，能够真的实现小微企业轻装上阵。</span></p>\n<p style=\"text-indent: 2em; line-height: 3em;\"><span style=\"font-size: 12px; font-family: 宋体;\">现阶段的资信状况也是不可忽视的重要内容，相对来说，资信状况比较好的企业，更容易获得企业贷款。对于贷款企业来说，更应该优先选择信用类贷款，但是，如果说有充足抵押物，在实际信贷业务中更容易得到银行等资金方的青睐。很多贷款企业比较关心的是到底可以批多少额度，这个和<strong>企业贷款</strong>审查事项是否全面合规等多方面的结果密切相关。当企业选择了合适的贷款方案，满足贷款审批条件的话，就可以按照资金方要求签署贷款合同，在签署的时候特别要注意贷款合同条款的规定，不要忽视重要细节的问题。</span></p>\n<p> </p>",
            "type": 0,
            "type_name": "中小企业的贷款资讯",
            "count": 130,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2021-10-08 00:00",
            "modified": "2026-01-21 07:56",
            "recommend": "不推荐"
        },
        {
            "id": 15,
            "title": "亚投宏远“网”来有道，守规则者信用高",
            "describe": "标题党、谣言、黑公关、花钱购买阅读量、伪原创……聚焦自媒体的种种乱象。一些自媒体从业者为了吸引流量，夺人眼球，追求10万+，用上了各种手段：有的编造内容，有的使用惊悚标题，",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_02/15.jpg",
            "source": "中国纪检监察报　贾亮",
            "content": "<p style=\"text-indent: 2em;\">亚投宏远一直争取更多更大的优质渠道，一步一个脚印，专注服务中小微企业贷款。不断学习，提升亚投宏远员工自身的法制意识和自律意识，为广大的信贷需求者提供切实有效的信息服务。</p>\r\n<p style=\"text-indent: 2em;\">标题党、谣言、黑公关、花钱购买阅读量、伪原创&hellip;&hellip;11月10日晚播出的央视《焦点访谈》，聚焦自媒体的种种乱象。据报道，一些自媒体从业者为了吸引流量，夺人眼球，追求10万+，用上了各种手段：有的编造内容，有的使用惊悚标题，有的抄袭别人的原创文章，有的甚至发布低俗、色情的内容，无所不用其极。</p>\r\n<p style=\"text-indent: 2em;\">自媒体时代的来临，让更多人有了发出声音、表达观点的可能，似乎人人都有麦克风，人人都能当记者。在这股自媒体的洪流中，人们面对的不只是各种资讯、观点和分析，还有谣言、攻击等不良信息。少数自媒体罔顾法律法规、公序良俗，自以为是、自行其是地发布博出位、&ldquo;无下限&rdquo;的内容，对整个行业的形象造成了不良影响，可谓是&ldquo;一粒老鼠屎坏了一锅粥&rdquo;。</p>\r\n<p style=\"text-indent: 2em;\">自媒体乱象，折射出从业者自身素养良莠不齐、自律意识不强以及从业规则不成熟等问题。一方面，自媒体时代，信息发布的门槛降低了，一些素质不高、缺乏法治意识和自律意识的人混杂其中，他们的丑陋表演迎合了部分受众的猎奇、围观心态；另一方面，自媒体已经成为一个庞大的产业，但从业规则却并不成熟，有些监管措施也尚未到位。</p>\r\n<p style=\"text-indent: 2em;\">人们呼唤一个清朗的网络空间。互联网不是法外之地，虚拟的网络有真实的责任。近年来，从制定《中华人民共和国网络安全法》，到作出各种与网络传播有关的司法解释，再到构筑中国互联网联合辟谣平台，有关部门做了大量卓有成效的工作。但从现实问题看，营造风清气正网络空间仍任重道远，不仅需要党和政府的引导和规范，也有待于广大网民特别是自媒体从业群体素质的整体提高。</p>\r\n<p style=\"text-indent: 2em;\">&ldquo;网&rdquo;来有道，守规则者最自由。治理自媒体乱象，让那些唯利是图、自行其是的自媒体付出应有代价，既是对广大网民负责，也是对自媒体产业发展负责，更是营造风清气正网络空间的必然选择。（贾亮）</p>\r\n<p>&nbsp;</p>",
            "type": 1,
            "type_name": "行业资讯",
            "count": 129,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2023-06-02 00:00",
            "modified": "2026-01-06 04:25",
            "recommend": "不推荐"
        },
        {
            "id": 541,
            "title": "贷款融资咨询：贷款市场报价利率持续深化改革",
            "describe": "贷款融资咨询：贷款市场报价利率持续深化改革",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/541.jpg",
            "source": "亚投宏远",
            "content": "<section data-mid=\"\">\r\n<section data-mid=\"\">\r\n<section data-mid=\"\">\r\n<p style=\"line-height: 2em;\">11月26日，央行发布2020年第三季度中国货币政策执行报告（下称“报告”）。报告指出，我国经济增长好于预期，供需关系逐步改善，市场活力动力增强。就业形势总体稳定，进出口贸易稳中向好。</p>\r\n</section>\r\n</section>\r\n</section>\r\n<p style=\"line-height: 2em;\"> </p>\r\n<section data-mid=\"\" style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 677px; display: flex; flex-direction: column; justify-content: flex-start; align-items: center;\">\r\n<section data-mid=\"\">\r\n</section>\r\n</section>\r\n<p> </p>\r\n<p> </p>\r\n<section>\r\n<section data-mid=\"\">\r\n<section data-mid=\"\">\r\n<section data-mid=\"\">\r\n<p style=\"line-height: 2em;\">　　稳健的货币政策更加灵活适度、精准导向。坚持以总量政策适度、融资成本明显下降、支持实体经济三大确定性应对高度不确定的形势，根据疫情防控和经济社会发展的阶段性特征，灵活把握货币政策调控的力度、节奏和重点，为保市场主体稳就业营造了适宜的货币金融环境，为疫情防控、经济恢复增长提供了有力支持。今年以来已推出涉及9万亿元货币资金的货币政策应对措施，前10个月金融部门向实体经济让利约1.25万亿元。</p>\r\n<p style=\"line-height: 2em;\">　　一是保持流动性合理充裕。合理把握中期借贷便利、公开市场操作等货币政策工具的力度和节奏，保持短、中、长期流动性供给和需求均衡，有效稳定市场预期，引导市场利率围绕政策利率平稳运行。二是持续深化贷款市场报价利率改革。按期完成存量浮动利率贷款的定价基准集中转换工作，贷款利率隐性下限被完全打破。三是完善结构性货币政策工具体系，突出分层次、有梯度的内在逻辑，增强直达性、精准性。四是以我为主，兼顾对外均衡。人民币汇率以市场供求为基础双向浮动，弹性增强，市场预期平稳，跨境资本流动有序，市场供求平衡。五是牢牢守住不发生系统性风险的底线，有效防控金融风险。</p>\r\n</section>\r\n</section>\r\n<section data-mid=\"\">\r\n<p style=\"line-height: 2em;\"></p>\r\n</section>\r\n</section>\r\n</section>\r\n<p> </p>\r\n<p> </p>\r\n<p> </p>\r\n<section>\r\n<section data-mid=\"\">\r\n<section data-mid=\"\">\r\n<section data-mid=\"\">\r\n<p style=\"line-height: 2em;\">　　总体来看，稳健的货币政策体现了前瞻性、主动性、精准性和有效性，成效显著，传导效率进一步提升，金融支持实体经济力度稳固。</p>\r\n<p style=\"line-height: 2em;\">　　下一阶段，中国人民银行将统筹常态化疫情防控和经济社会发展工作，全力做好“六稳”“六保”和“十三五”规划收官工作，确保实现全面建成小康社会奋斗目标。同时，将力量更加集中到深入贯彻落实党的十九届五中全会精神上来，认识新发展阶段，贯彻新发展理念，构建新发展格局，完善宏观经济治理，搞好跨周期政策设计，促进经济总量平衡、结构优化、内外均衡。建设现代中央银行制度，完善货币供应调控机制，健全市场化利率形成和传导机制，构建金融有效支持实体经济的体制机制。</p>\r\n<p style=\"line-height: 2em;\">　　稳健的货币政策要更加灵活适度、精准导向，更好适应经济高质量发展需要，更加注重金融服务实体经济的质量和效益。完善货币供应调控机制，把好货币供应总闸门，根据宏观形势和市场需要，科学把握货币政策操作的力度、节奏和重点，保持流动性合理充裕，保持广义货币供应量和社会融资规模增速同反映潜在产出的名义国内生产总值增速基本匹配。健全市场化利率形成和传导机制，深化贷款市场报价利率改革，继续释放改革促进降低贷款利率的潜力，综合施策推动社会融资成本明显下降，发挥市场在人民币汇率形成中的决定性作用。</p>\r\n<p style=\"line-height: 2em;\">　　增强结构性货币政策工具的精准滴灌作用，提高政策直达性。重视预期管理，保持物价水平稳定。处理好内外部均衡和长短期关系，尽可能长时间实施正常货币政策，保持宏观杠杆率基本稳定。打好防范化解重大金融风险攻坚战，健全金融风险预防、预警、处置、问责制度体系，维护金融安全，牢牢守住不发生系统性金融风险的底线。以创新驱动、高质量供给引领和创造新需求，加快形成以国内大循环为主体、国内国际双循环相互促进的新发展格局。</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<p> </p>\r\n<p> </p>",
            "type": 1,
            "type_name": "行业资讯",
            "count": 129,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2020-12-16 00:00",
            "modified": "2026-02-17 02:42",
            "recommend": "不推荐"
        },
        {
            "id": 1324,
            "title": "【政策申报】《石景山区关于促进“专精特新”中小企业高质量发展的若干措施（修订）》印发通知",
            "describe": "为进一步促进“专精特新”中小企业高质量发展，提升中小企业创新能力和专业化水平。",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_08_30/%E5%8D%8F%E8%B4%B7%E7%BD%91_1324.jpg",
            "source": "北京市石景山区人民政府",
            "content": "<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><img class=\"wscnph\" src=\"https://oaservice.xiedaiwang.com/media/融资顾问CFC-亚投宏远2025-06-28 21:24:3961.png\" /></p>\r\n<hr />\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">各相关单位：</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">&nbsp;</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">　　为进一步促进&ldquo;专精特新&rdquo;中小企业高质量发展，现印发《石景山区关于促进&ldquo;专精特新&rdquo;中小企业高质量发展的若干措施(修订)》，请遵照执行。</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">&nbsp;</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-align: right; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">　　石景山区经济和信息化局</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-align: right; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">　　2023年7月11日</span></p>\r\n<section style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\" data-id=\"121968\" data-role=\"splitline\" data-tools=\"135编辑器\">\r\n<section style=\"margin: 10px auto; outline: 0px; max-width: 100%; display: flex; align-items: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"outline: 0px; max-width: 100%; width: 321.5px; border-top: 1px solid #c80c0c; height: 1px; overflow: hidden; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\" data-width=\"50%\"><span style=\"font-size: 12pt;\">特别11111111111111</span></section>\r\n<section style=\"outline: 0px; max-width: 100%; width: 321.5px; border-top: 1px solid #c80c0c; height: 1px; overflow: hidden; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\" data-width=\"50%\"><span style=\"font-size: 12pt;\">&nbsp; &nbsp;</span></section>\r\n</section>\r\n</section>\r\n<section style=\"padding: 10px; outline: 0px; max-width: 100%; display: inline-block; width: 677px; vertical-align: top; box-shadow: #000000 0px 0px 0px; background-color: #6386c3; align-self: flex-start; flex: 0 0 auto; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<section style=\"outline: 0px; max-width: 100%; color: #ffffff; font-size: 17px; letter-spacing: 1px; line-height: 1.75; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\r\n<p style=\"outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">石景山区关于促进&ldquo;专精特新&rdquo;中小企业高质量发展的若干措施(修订)</span></p>\r\n</section>\r\n</section>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; text-indent: 2em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">为引导本区中小企业向专业化、精细化、特色化、新颖化方向发展，提升中小企业创新能力和专业化水平。根据中共中央办公厅、国务院办公厅《关于促进中小企业健康发展的指导意见》(中办发〔2019〕24号)、工业和信息化部《优质中小企业梯度培育管理暂行办法》(工信部企业〔2022〕63号)和《北京市&ldquo;十四五&rdquo;时期高精尖产业发展规划》(京政发〔2021〕21号)、《关于推进北京市中小企业&ldquo;专精特新&rdquo;发展的指导意见》(京经信发〔2019〕86号)等有关文件规定，营造有利于&ldquo;专精特新&rdquo;中小企业发展的良好环境，力争到&ldquo;十四五&rdquo;末，国家级专精特新&ldquo;小巨人&rdquo;企业达到20家，市级&ldquo;专精特新&rdquo;中小企业达到200家。结合本区实际，特制定以下若干措施：</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">一、激励企业典型示范引领</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"font-size: 12pt;\"><span style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">经认定，<strong style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; color: #021eaa; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">对首次获得石景山区创新型中小企业称号的企业，给予</span></strong></span><span style=\"outline: 0px; max-width: 100%; color: #ff4c41; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><strong style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">3万元</strong></span><span style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><strong style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; color: #021eaa; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">的一次性奖励;对首次获得北京市&ldquo;专精特新&rdquo;中小企业称号的企业，给予</span></strong></span><span style=\"outline: 0px; max-width: 100%; color: #ff4c41; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><strong style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">20万元</strong></span><span style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><strong style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; color: #021eaa; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">的一次性奖励;对获得国家级专精特新&ldquo;小巨人&rdquo;称号的企业，给予</span></strong></span><span style=\"outline: 0px; max-width: 100%; color: #ff4c41; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><strong style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">80万元</strong></span><span style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><strong style=\"outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; color: #021eaa; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;\">的一次性奖励。单个企业不重复享受，晋级享受差额奖励</span></strong>。(责任单位：区经济和信息化局)</span></span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">二、提升企业技术创新能力</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">鼓励开展新技术、新产品研发。依据《石景山区推进国际科技创新中心建设加快创新发展支持办法》，对&ldquo;专精特新&rdquo;中小企业开展符合区域高精尖产业定位的科研项目，经评审，按照项目研发投资总额的30%给予项目资金支持，单个项目支持金额不超过<strong style=\"outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; color: #ff4c41; box-sizing: border-box !important; overflow-wrap: break-word !important;\">200万元</span></strong>。(责任单位：区科委)</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">三、降低企业办公空间成本</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">鼓励&ldquo;专精特新&rdquo;中小企业在区内实际办公，对实际租房或购置办公用房的企业，依据《石景山区促进高精尖产业发展若干措施(试行)》，经认定，给予补贴。(责任单位：区投资促进中心、园区管委会、区金融办)</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">四、鼓励企业引进高层次人才</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">鼓励获得&ldquo;专精特新&rdquo;中小企业称号的企业积极推荐海内外高层次人才引进，对经推荐纳入&ldquo;景贤计划&rdquo;的人才，依据《石景山区吸引和鼓励高层次人才创业和工作计划实施办法(试行)》，给予个人相应专项奖励最高100万元，并享受人才住房、医疗、子女就学等各类服务保障;依据《石景山区人才住房管理暂行办法》，经认定，单个&ldquo;专精特新&rdquo;中小企业可以获得人才租赁住房指标1套。(责任单位：区委组织部、区住房城市建设委、区财政局)</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">五、给予企业高管奖励</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">支持&ldquo;专精特新&rdquo;企业引进符合石景山区产业发展方向的高层次人才，依据《石景山区促进高精尖产业发展若干措施(试行)》，经认定，在高管奖励方面给予支持。(责任单位：各相关单位)</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">六、加大企业信贷支持力度</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">鼓励金融机构积极推广&ldquo;专精特新&rdquo;小微企业专属信贷产品，对用于企业开展正常经营和研发的知识产权质押融资、供应链融资等相关贷款产品，依据《石景山区关于财政支持民营和小微企业金融服务综合改革试点专项资金管理暂行办法》，经认定，按照年度实际支付利息的50%给予贴息。单一企业每年最高支持金额<strong style=\"outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; color: #ff4c41; box-sizing: border-box !important; overflow-wrap: break-word !important;\">不超过100万元</span></strong>。(责任单位：区金融办)</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">七、拓宽企业股权融资渠道</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">鼓励投资机构对&ldquo;专精特新&rdquo;中小企业开展天使投资、创业投资和股权投资等投资业务，依据《石景山区促进高精尖产业发展若干措施(试行)》，经认定，石景山区的私募股权投资基金及其管理机构开展针对区内重点聚焦产业及相关核心技术的天使轮、A轮、B轮投资，按照实际到位投资金额1%-2%比例对基金管理机构给予补贴，单个机构年度<strong style=\"outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; color: #ff4c41; box-sizing: border-box !important; overflow-wrap: break-word !important;\">最高补贴100万元</span></strong>。引导石景山区现代创新产业基金直投或设立子基金，支持培育&ldquo;专精特新&rdquo;中小企业快速发展。(责任单位：区金融办)</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">八、建立企业上市服务机制</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">发挥上市工作领导小组作用，对&ldquo;专精特新&rdquo;中小企业上市进行梯度培育和分类指导，实现挂牌上市。对在北京证券交易所、其他境内A股首次公开发行股票(IPO)或境外主要证券交易所主板直接上市的企业，依据《石景山区促进高精尖产业发展若干措施(试行)》，对境内上市企业分阶段给予最高1000万元区级补贴资金;驻区企业完成新三板创新层挂牌，给予150万元区级补贴;京外迁入的新三板创新层挂牌企业，给予100万元区级补贴。对境外上市企业，经认定后，给予最高600万元区级补贴。对京外迁入的A股上市企业给予<strong style=\"outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; color: #ff4c41; box-sizing: border-box !important; overflow-wrap: break-word !important;\">最高2000万元市、区补贴资金</span></strong>。(责任单位：区金融办)</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">九、完善企业精准服务体系</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">建立&ldquo;专精特新&rdquo;企业梯队培育库，集聚发展潜力的种子企业。建立服务团队，实行&ldquo;一企一管家&rdquo;，坚持有求必应、无事不扰的原则，加强政府与企业在规划、政策、项目、资源、宣传等方面全方位对接，提高服务精准性和有效性。针对每年定向输送&ldquo;专精特新&rdquo;企业落户石景山区的招商平台、中介机构，依据《石景山区促进高精尖产业发展若干措施(试行)》，经认定，给予支持奖励。(责任单位：各相关单位)</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">按照&ldquo;从优不重复&rdquo;的原则执行，与本区其它政策同类条款就高标准执行，不重复适用。申请本政策资金支持的企业应执行政策兑现程序。</span></p>\r\n<p style=\"outline: 0px; max-width: 100%; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; caret-color: rgba(0, 0, 0, 0); text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\"><span style=\"outline: 0px; max-width: 100%; font-size: 12pt; box-sizing: border-box !important; overflow-wrap: break-word !important;\">本措施自发布之日起施行，<strong style=\"outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\"><span style=\"outline: 0px; max-width: 100%; color: #021eaa; box-sizing: border-box !important; overflow-wrap: break-word !important;\">有效期至2025年12月31日</span></strong>。《石景山区关于促进&ldquo;专精特新&rdquo;中小企业高质量发展的若干措施》(石经信局〔2022〕8号)同时废止。</span></p>\r\n<p style=\"margin-bottom: 24px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 3;\">&nbsp;</p>",
            "type": 1,
            "type_name": "行业资讯",
            "count": 129,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2023-07-20 00:00",
            "modified": "2026-02-25 15:48",
            "recommend": "不推荐"
        },
        {
            "id": 114,
            "title": "小微企业融资贵  成两会高频词",
            "describe": "在今年的政府工作报告中，民营及小微企业成了高频词汇，15次提及相关内容。其中，着力缓解民营和小微企业融资难融资贵问题更是重点着墨之处。政府工作报告提出，“切实使中小微企业融",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/114.jpg",
            "source": "中国经济网",
            "content": "<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">&nbsp; &nbsp; &nbsp; &nbsp; 在今年的政府工作报告中，民营及小微企业成了高频词汇，15次提及相关内容。其中，着力缓解民营和小微企业融资难融资贵问题更是重点着墨之处。政府工作报告提出，&ldquo;切实使中小微企业融资紧张状况有明显改善，综合融资成本必须有明显下降。&rdquo;</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　&ldquo;这表明发展普惠金融、支持小微企业、降低融资成本是金融工作的重要目标。围绕这个目标，各种金融业态应发挥所长，形成普惠金融的发展合力。&rdquo;开鑫金服总经理周治翰在接受《证券日报》记者采访时谈道，对于互联网金融平台来说，可以发挥体制机制灵活、接地气、定制化服务的特点，为支持实体经济、缓解小微企业融资难、融资贵发挥所长。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　实际上，作为传统金融机构的有效补充，互联网金融企业尤其是网贷机构服务小微企业的规模近年来不断增长。据金融城去年底发布的《小微企业融资难的特色化解决方案》显示，2013年至2017年末，网贷机构服务的小微企业累计业务成交额超2万亿元。网贷机构小微企业借款在2013年年成交额仅为124.32亿元，而2017年已高达8722.8亿元。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\"><strong style=\"line-height: 28px;\">　　民营和小微企业发展</strong></p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\"><strong style=\"line-height: 28px;\">　　融资痛点最突出</strong></p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　一直以来，民营和小微企业的发展都受到国家的高度重视，支持民营和小微企业发展在近几年的政府工作报告中都是重要的一部分。今年的政府工作报告中更是15次提及相关内容，还重点强调要缓解民营和小微企业融资难融资贵问题。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　在PPmoney万惠集团执行副总裁、PPmoney网贷CEO胡新看来，近年来，扶持中小微企业、支持实体经济是我国金融业一贯的工作重点。&ldquo;在我国，私营企业是小微企业的主体，约80%的私营企业是小微企业。小微企业已经占据我国经济发展的半壁江山。从融资需求角度来看，小微型的科创型企业融资需求更多，但是他们的融资需求很难在现有的金融服务框架之下得到满足，因此小微企业融资难、融资贵的声音不断出现&rdquo;，他对《证券日报》记者说道。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　有调查显示，在中小企业的融资方式当中银行贷款占比较大。由此可知，中小企业的融资渠道相对比较单一。但从银行的角度出发，这些中小企业缺乏抵押担保品，从风险防控的角度来看，按照银行传统的贷款服务方式企业必须要提供这些东西，因此就造成了一个结构性的矛盾。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　百乘金科CEO贾鹏也认为，当前，民营和小微企业的发展中，融资痛点最突出。&ldquo;政府一直对民营和小微贷款非常重视，但小微企业因为资产规模小、难有合格的抵押和担保物，加之抗风险能力相对弱、财务信息不健全等问题，而被传统金融机构&lsquo;挡&rsquo;在门外。小微企业对资金的渴求和以银行为主的市场供给之间有非常大的缺口。&rdquo;</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　为了扶持民营和小微企业发展、解决发展中痛点，近年来的政府工作报告都提出了明确的政策路径。2015年政府工作报告提出，&ldquo;中小微企业大有可为，要扶上马、送一程&rdquo;；2017年则提出：扩大小微企业享受减半征收所得税优惠的范围，年应纳税所得额上限由30万元提高到50万元；今年的政府工作报告提出，加大对中小银行定向降准力度，释放的资金全部用于民营和小微企业贷款，今年国有大型商业银行小微企业贷款要增长30％以上。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　&ldquo;过去很长一段时间，国家一直在引导各类金融服务机构下沉服务重心，真正往&lsquo;小&rsquo;上转，民企和小微企业融资难、融资贵的问题得到了政策层面的支持&rdquo;，有业内人士对《证券日报》记者指出，今年的政府工作报告再次强调服务民企和小微企业，有利于引导各类金融服务机构形成发展普惠金融的合力，让它们贷到款，降低融资成本，得到实实在在的好处。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　<strong style=\"line-height: 28px;\">互金企业用金融科技</strong></p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\"><strong style=\"line-height: 28px;\">　　破解小微企业融资困局</strong></p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　除了传统金融机构，互联网金融企业也在辅助解决民营和小微企业融资难融资贵的问题。尤其是近两年依托于金融科技手段的运用，为破解小微企业融资难题提供了新的方向。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　凡普金科创始合伙人、CEO董祺对《证券日报》记者表示，金融科技为解决小微实体和个体融资问题提供了一个创新的解决方案，这将引导资金&ldquo;脱虚向实&rdquo;，推动金融服务下沉，赋能更多的个人和小微、民营企业。传统金融机构具有成熟的风控系统和规模化的运营能力，金融科技企业在数据、流量获取以及客户下沉方面更具经验，二者形成互补，必将更好地服务实体经济。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　&ldquo;破解小微企业困境的有效途径之一，就是根据小微企业的实际情况，为它们定制化设计服务模式，充分挖掘他们的应收账款、交易数据，帮助它们以更低成本、更快的速度融到资金&rdquo;，据周治翰介绍，开鑫金服这两年一直通过金融科技手段，搭建线上化的供应链服务系统并对外输出。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　通过该系统，开鑫金服的合作方可以方便地盘活小微企业持有的供应链应收账款、存货等资源，破解融资难题。此外，开鑫金服研发的供应链系统实现了供应链融资全流程的线上化，减少了线下面签的工作量和业务成本，大大缩短了供应链企业的借款流程。截至2018年12月底，开鑫金服旗下开金中心已将供应链上小微企业平均年化融资成本降至9%左右。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　胡新也对《证券日报》记者表示，近年来，PPmoney万惠集团持续加大在金融科技人才、大数据、人工智能等技术领域的投入，不断提升风控体系和风控能力，切实提升服务实体经济的能力。&ldquo;截至2019年2月底，PPmoney万惠集团服务用户已超过4185万，累计现金交易总额超过1181亿元，累计借贷笔数超过1106万笔。在借款端，平台服务用户已超过2700万，其中小微企业主占比为36%，且比例还在不断提升。&rdquo;</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　值得一提的是，随着我国土地流转的快速发展，一批具有先进的市场意识和技术的龙头企业、家庭农场、大种植户等新农主体已经崛起，在产业发展中起到引领作用。与传统的小农身份不同，他们已经采用了现代公司化的运作体系，是农业领域的小微企业。</p>\r\n<p style=\"padding: 0px; border: 0px currentColor; line-height: 3em; font-family: 'Microsoft YaHei'; margin-top: 20px; margin-bottom: 0px; white-space: normal; background-color: #ffffff;\">　　&ldquo;目前，农业领域的小微企业面临农村地区抵押物有限，三农征信尚不完善等现实问题，金融机构的风控难度大，授信意愿不足。三农整体的资金缺口明显，需要多元化融资渠道和资本的参与&rdquo;，布谷农场联合创始人兼总经理郑伟博在接受《证券日报》记者采访时表示，在过去的4年里，布谷农场深入到农业供应链中，为家庭农场、农业小微企业提供了超过150亿元的金融撮合服务，也带动了区域及产业上下游超过400亿元的产值。</p>\r\n<p>&nbsp;</p>\r\n<p>&nbsp;</p>\r\n",
            "type": 0,
            "type_name": "中小企业的贷款资讯",
            "count": 129,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2023-06-05 00:00",
            "modified": "2026-03-28 18:35",
            "recommend": "不推荐"
        },
        {
            "id": 1151,
            "title": "债务融资和股权融资的差异",
            "describe": "公司管理控制权不同；利息红利的支付方式不同；融资成本不同；资本结构不同；决策程序不同。",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_06/1151.jpg",
            "source": "公司资金运作",
            "content": "<p><strong>(1)公司管理控制权不同</strong></p>\r\n<p>债务筹资，债权人无权参与公司经营管理和利润分配，从而避免稀释普通股股东的控制权。债务融资只增加企业的债务，并不影响原有股东对企业的控制权，除非企业经营恶化，债务重组导致股权变化。</p>\r\n<p>股权融资，对原股东有稀释股权的作用，如原股东未按相应比例购进新发股票，则增发新股将会削弱原有股东对企业的控制权，对公司经营稳定性、战略等会产生重大影响，甚至丧失对公司的控制权，在恶意收购的情况下，容易引起控制权的变更。</p>\r\n<p><strong>(2)利息红利的支付方式不同</strong></p>\r\n<p>企业的债务融资，无论公司经营情况如何，无论盈亏，都需要按照借款合同的约定支付利息和到期偿还本金，此种义务是公司必须承担的。公司经营不善时，可能出现由于到期无法偿还债务资金的本息导致资金链破裂的情况。股权融资，股息的收益通常是由企业的盈利水平和发展的需要而定的，没有固定的付息压力，且普通股也没有固定的到期日，因而也不存在还本付息的融资风险。亏损不支付股利，有利润时可以分红，也可根据企业的发展阶段选择不分红或部分分红，企业可以动态调整。</p>\r\n<p><strong>(3)融资成本不同</strong></p>\r\n<p>从理论上讲，股权融资的成本高于债务融资成本：一方面，从投资者的角度讲，投资于普通股的风险较高，要求的投资报酬率也会较高；另一方面，债务融资资金的利息费用在税前列支，具有抵税的作用，而股利从税后利润中支付，不具备抵税作用。此外，股票的发行费用一般也高于债务融资。利息的节税作用，使得债务融资更有吸引力，但只有在企业盈利的情况下才有实际作用。如果企业亏损，则不能获得税前列支利息的节税效益，债务的融资成本是税前成本。</p>\r\n<p><strong>(4)资本结构不同</strong></p>\r\n<p>股权融资增加所有者权益，降低资产负债率，优化资本结构。股权融资间接增强公司的信誉和债权人的信心，便于企业发行更多的债务融资。债务融资会不断增加公司的资产负债率，到达一定极限后，就因债权人对债务人信用风险的担忧，提高资金成本，甚至停止债务融资。</p>\r\n<p>新建项目在建设期内的贷款利率可以进行资本化，不影响当期损益，这一点对一些公司改善财务报表来说是有意义的。</p>\r\n<p><strong>(5)决策程序不同</strong></p>\r\n<p>股权融资关系公司的控制权，重要性更强，通常由公司股东会决策审议。债务融资是公司日常经营决策事项，分不同层级审批，日常事项（融资银行的选择、融资期限等)主要依靠资金管理人员决策，重要的审批事项(发债、境外融资等)依据公司流程由公司办公会或董事会决策程序等分级审批。</p>",
            "type": 1,
            "type_name": "行业资讯",
            "count": 129,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2023-03-07 00:00",
            "modified": "2026-03-20 05:43",
            "recommend": "不推荐"
        },
        {
            "id": 1155,
            "title": "制药行业相关的CRO、CMO、CDMO具体指什么?",
            "describe": "CRO——研发过程中的专业化服务机构；CMO/CDMO ——侧重于生产服务。",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_06/1155.jpg",
            "source": "亚投宏远",
            "content": "<p><strong>CRO</strong><strong>&mdash;&mdash;</strong><strong>研发过程中</strong><strong>的</strong><strong>专业化服务机构</strong></p>\r\n<p>CRO（Clinical Research Organization）是医药研发外包服务机构；&nbsp;CRO(Contract Research Organization)直接翻译过来的意思是'合同研发组织'，&nbsp;'生物医药研发外包'。</p>\r\n<p>CRO企业(合同定制研发机构)是指通过合同形式为制药企业和研发机构在药物研发过程中提供专业化服务的机构。CRO企业服务于药物研发的整个阶段，负责药物开发过程所涉及的全部或部分活动，其基本目的在于协助制药企业进行科学或医学研究，主要提供的服务包括新药发现、安全性评价研究服务、药代动力学、药理毒理学等临床前研究及临床数据管理新药注册申请等。</p>\r\n<p><strong>CMO/CDMO </strong><strong>&mdash;&mdash;</strong><strong>侧重于生产服务</strong></p>\r\n<p>&nbsp; &nbsp; &nbsp; CMO(Contract Manufacture Organization)主要是接受制药公司的委托，提供产品生产时所需要的工艺开发、配方开发、临床试验用药、化学或生物合成的原料药生产、中间体制造、制剂生产（如粉剂、针剂）以及包装等服务。</p>\r\n<p>&nbsp; &nbsp; &nbsp; CDMO（Contract development and manufacturing organization），是一种新兴的研发生产外包组织，主要为医疗生产企业以及生物技术公司的产品，特别是创新产品的工艺研发以及制备、工艺优化、注册和验证批生产以及商业化定制研发生产的服务机构。</p>\r\n<p>&nbsp; &nbsp; &nbsp; &nbsp;与CRO企业不同，CMO企业主要侧重于药物的生产服务。其中，CMO (合同定制生产机构)是指以合同定制形式为制药企业提供中间体、原料药、制剂的生产以及包装等服务的企业。传统的CMO企业仅提供以委托企业提供的技术路线为基础的代工生产服务。随着制药公司对成本控制和效率提升的要求不断提高，制药企业希望CMO 企业能够承担更多工艺研发、改进的创新性服务职能，CDMO企业应运而生,</p>\r\n<p>CDMO企业(合同定制研发生产机构) 除了提供传统CMO的生产服务之外，更强调对生产工艺的研发和创新。</p>\r\n<p>&nbsp; &nbsp; &nbsp; &nbsp;CDMO企业往往在新药临床阶段的早期即与客户开展深度合作，为客户提供制药工艺的开发、设计及优化服务，并在此基础上提供从公斤级到吨级的定制生产服务。CDMO 企业利用自身技术优势及生产能力，承接了制药企业的工艺开发和生产职能，从而使制药企业可以更专注于药物的研发。</p>",
            "type": 1,
            "type_name": "行业资讯",
            "count": 129,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2023-03-08 00:00",
            "modified": "2026-02-03 05:41",
            "recommend": "不推荐"
        },
        {
            "id": 998,
            "title": "北京辖内主要担保公司担保产品清单",
            "describe": "为改善企业融资外部环境和提升信贷可得性，助力企业复工复产。",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_06/998.jpg",
            "source": "北京市地方金融监督管理局",
            "content": "<p style=\"line-height: 3;\"><span style=\"font-size: 12pt;\"><img class=\"wscnph\" src=\"https://oaservice.xiedaiwang.com/media/news/images/担保公司担保产品220928-协贷网.jpg\"/></span></p>\n<hr/>\n<p style=\"line-height: 3;\"><span style=\"font-size: 12pt;\">     <span style=\"letter-spacing: 1px; color: #333333; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; text-align: justify;\">编者按：为改善企业融资外部环境和提升信贷可得性，助力企业复工复产，北京市地方金融监督管理局联合人民银行营业管理部、北京银保监局开展了本市银行业和融资担保机构特色产品的收集、整理工作，精选了担保特色产品 43 款，这些金融产品具有针对性强、覆盖面广、成本低、办理灵活便捷等特点。希望以此帮助广大中小微企业了解融资产品体系，企业可根据自身实际选择适配的金融产品。</span><br/></span></p>\n<p style=\"margin-right: 16px; margin-bottom: 24px; margin-left: 16px; clear: both; min-height: 1em; color: #333333; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: 17px; text-align: justify; line-height: 1.75em;\"><span style=\"font-size: 16px; letter-spacing: 1px;\">注：本文所推广介绍的金融产品，具体办理要求、期限和成本，以企业和经办机构协商为准。</span></p>\n<hr/>\n<p style=\"line-height: 3;\"><img class=\"wscnph\" src=\"https://oaservice.xiedaiwang.com/media/news/images/担保产品-协贷网.png\" style=\"display: block; margin-left: auto; margin-right: auto;\"/></p>",
            "type": 1,
            "type_name": "行业资讯",
            "count": 129,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2022-09-28 00:00",
            "modified": "2026-04-10 13:24",
            "recommend": "不推荐"
        },
        {
            "id": 542,
            "title": "贷款融资咨询：对小微企业最好的支持是不断的加强金融创新",
            "describe": "贷款融资咨询：对小微企业最好的支持是不断的加强金融创新",
            "image": "https://oaservice.xiedaiwang.com/media/images/article/2023_06_05/542.jpg",
            "source": "亚投宏远",
            "content": "<section data-mpa-powered-by=\"yiban.io\" data-mpa-template=\"t\">\r\n<section data-id=\"93963\">\r\n<section data-width=\"100%\">\r\n<section>\r\n<section data-autoskip=\"1\">\r\n<p style=\"line-height: 2em; text-indent: 2em;\">近日，中国人民银行以“金融产品创新”为主题开展“金融支持保市场主体”第四场系列新闻发布会。我国1.3亿户市场主体中，小微企业在数量上占有较大比例。今年以来，受新冠肺炎疫情影响，保市场主体任务繁重，支持小微企业生存发展是其中一项重要内容。</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<p style=\"line-height: 2em; text-indent: 2em;\">长期来看，构建新发展格局需要打通经济循环堵点，补齐产业链供应链短板，推动产业链上中下游、大中小企业融通创新，提升产业链供应链的完整性，小微企业是其中一项重要内容。保小微企业等市场主体，不仅是当前落实“六保”工作的一个着力点，也是“十四五”时期要面临和解决的一个重大课题。</p>\r\n<p> </p>\r\n<section data-mpa-template=\"t\">\r\n<section data-id=\"93963\">\r\n<section data-width=\"100%\">\r\n<section>\r\n<section data-autoskip=\"1\">\r\n<p style=\"line-height: 2em; text-indent: 2em;\">我国在发展普惠金融，为小微企业提供金融服务方面取得了较大进展，但仍需加强金融产品创新。就近年的情况看，小微企业金融服务使用程度加深，中小企业信用体系建设成效明显，金融消费者权益得到相对更好的保护。然而，与小微企业在经济社会发展中所发挥的重要作用相比，小微企业金融服务仍有待进一步加强。金融产品是连接金融机构和小微企业的桥梁，为小微企业高质量发展提供更好的金融支持，需要进一步加强金融产品创新。</p>\r\n<p style=\"line-height: 2em; text-indent: 2em;\">首先，丰富产品种类。小微企业所需要的金融服务个性化特点突出且种类多样。从银行业的角度看，创新小微企业金融产品需要全面涵盖支付、结算、理财、投资、信贷等。在这其中，尤其需要针对小微企业融资难融资贵问题，创新信贷金融产品，降低小微企业融资成本。面对数量众多的小微企业，在金融产品创新过程中，需要结合小微企业所处行业、经营模式、发展阶段等做好客户细分，针对性开展产品创新，设计金融服务方案，让金融服务更契合小微企业需求。</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<p> </p>\r\n<p style=\"line-height: 2em; text-indent: 2em;\"></p>\r\n<p style=\"line-height: 2em; text-indent: 2em;\">其次，重视金融科技。随着信息技术的进步，提升金融科技水平是必然的发展趋势，也是被实践验证的服务小微企业的有效方式。金融机构可以依托科技手段搭建场景、构建生态圈，丰富小微企业客户的营销渠道，提供更多更优的线上支付计算产品，也可以充分利用信用数据积累创新发展线上信贷产品，完成线上申请、线上审批、线上抵押、线上放款、线上还款等，让小微企业随时随地获得金融服务。</p>\r\n<p> </p>\r\n<section data-mpa-template=\"t\">\r\n<section data-id=\"93963\">\r\n<section data-width=\"100%\">\r\n<section>\r\n<section data-autoskip=\"1\">\r\n<p style=\"line-height: 2em; text-indent: 2em;\">再次，开展机构合作。无论是从更好地满足小微企业的金融服务需求，还是提高小微企业客户对金融机构忠诚度的角度看，在开展金融产品创新过程中都需要开展机构合作。金融机构可以发挥各自优势，在同一细分金融行业内开展机构间的合作，也可以开展跨细分金融行业的合作，甚至是与政府、园区、协会等非金融行业机构合作，以机构合作推动信息共享，客户营销共建，信用风险共担等，不断丰富服务小微企业的内涵，为小微企业提供一站式服务。</p>\r\n<p style=\"line-height: 2em; text-indent: 2em;\">最后，优化政策支持。小微企业经营发展面临的不确定性，会增加金融机构融资支持小微企业的风险。这要求在加强金融产品创新支持小微企业的过程中，要对金融机构提供相应的政策支持。今年面对新冠肺炎疫情影响，中国人民银行创设普惠小微企业信用贷款支持计划，激发金融机构为小微企业提供更多的信用贷款。后续仍需在信用信息、税收优惠、利率补贴等方面为金融机构创新产品服务小微企业提供更多的支持政策。</p>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n</section>\r\n<p> </p>\r\n<p> </p>\r\n<p style=\"line-height: 2em; text-indent: 2em;\"> </p>\r\n<p> </p>",
            "type": 0,
            "type_name": "中小企业的贷款资讯",
            "count": 128,
            "modified_user": {
                "username": "高登辉"
            },
            "created": "2020-12-18 00:00",
            "modified": "2026-02-25 04:43",
            "recommend": "不推荐"
        }
    ]
}