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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.林聪不好意思地摸摸头道：还不是家母，她心急抱孙子，所以就早早地帮在下成了家。一千年前，魔王的一部份觉醒了。它率领着魔族们向赤龙神的一个分身——水龙王挑战。魔王五个手下中的四个设下了结界，由它和魔龙王一起直接跟水龙王决斗。后来，魔王的计划宣告失败，魔龙王被封印。魔族的行动渐趋寂静……Zhang Xiaobo blinked after saying these words, After a pause and a sigh, Like every veteran interviewed, these are memories they don't want to mention again. His expression told me more that he must have remembered something more that made him feel heavy-hearted. I saw the details of his facial changes after writing the interview information just collected, and asked:返回平民生活作为一个德州牧场主,队长兰斯Deakin fends了从以前的成员攻击他的单位来揭示他的斗争的真相就照一个战士在伊拉克。军方矛上进行实验和跟随他的人、要把它们变成super-soldiers和洗脑他们记得他们的绝密的任务hyper-violent内容的视频游戏叫“MINUTEMAN。兰斯必须揭开真相来救他所爱的女人。夜色正浓，整座城市张灯结彩，很有过年的气氛。王突回想了一下，好像还真是的。