个人教育贷款签约和发放环节的操作风险点不包括（ ）。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='26779' and id < 2227939 and id<>'2227939' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='26779' and id > 2227939 and id<>'2227939' order by id asc limit 5