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Qingdao is a relatively developed area for private lending. Therefore, the private lending business is relatively mature for a long time. P2P under Qingdao mode basically needs real estate as collateral, while cars and others are not allowed to be used as collateral to control risks. When investigating several large P2P websites, it was found that the collateral required by them was all a real estate certificate, and it was required to be a real estate in Qingdao that could be seen and accurately valued. Therefore, P2P enterprises in Qingdao basically do not do business with outsiders. Behind the strict mortgage system is the lender's low-risk protection. Therefore, one of the biggest characteristics of Qingdao model is that it has low risks and low non-performing loan ratio. Qingdao P2P mode has the lowest risk, and P2P enterprises also bear the greatest responsibility. Therefore, Qingdao P2P enterprises are typical "composite intermediary". However, as its enterprises are all transformed from private lending agencies, Therefore, they do not attach importance to the role of the network. Most of its website pages do not have personal loan information or loan information, It is the company's self-promotion, which aims to allow borrowers or lenders to meet and discuss with their companies. Moreover, Qingdao only does local business, which limits the scale expansion of intermediary enterprises. As the main feature of P2P enterprises is to operate on the basis of the network, the Qingdao model is not a typical P2P credit in a certain sense. Qi Fang Mode: The student aid platform mode Qi Fang P2P has more public welfare color, but it also has considerable profits. Facing the serious economic stratification of college students, Qi Fangwang has targeted its target group at paying tuition fees but needing to participate in education, training and investment outside the university.　　被父亲抛弃的殷丽英与母亲过着艰辛的日子，母亲生下的弟弟也在饥寒交迫中夭折，母亲哭瞎了双眼，这些惨剧让幼年的丽英深深埋下了仇恨的种子，从此开始计划复仇，她刻苦学习，拼命打工，并选择了编剧专业作为大学主修专业，她深知一毕业，她的复仇计划便会开始实行。In the above story, it can be seen that it is a typical publishing and subscribing mode. The seller belongs to the publisher, and Xiao Hong and Xiao Ming belong to the subscriber. Subscribe to the store. As the publisher, the seller will notify Xiao Ming and Xiao Hong in turn when the shoes arrive, and use Wang Wang and other tools to publish news to them in turn.体育自制00后励志青春竞技真人秀Public class Memento {26. Code: OTL; Orz.