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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.One day, her child said to her,《爱玛》是简·奥斯汀继《理智与情感》、《傲慢与偏见》和《曼斯菲尔德庄园》之后，在她生前发表的最后一部作品。这部小说虽然不像《傲慢与偏见》那样脍炙人口，但它在描写世态人情方面，似乎比其他作品更有深度，因而被不少评论家视为奥斯汀最成熟的小说。小说现实主义成分增多，戏剧成分减少，结构精微巧妙，喜剧气氛弥漫全书，趣味横生。女主角Emma是个又漂亮、又聪明、又有钱的年轻姑娘，由于具有这般得天独厚的条件，不禁有点自视过高，因而喜欢随心所欲。她自己打定主意不结婚，却热衷于给别人牵线搭桥。而她给别人做媒，每每不是按照情理，而是凭着异想天开或一时冲动，乱点鸳鸯谱，结果闹出许多笑话，吃了不少苦头。不过，Emma虽然没给别人撮合成一对亲事，自己却坠入情网，和Knightley喜结良缘。不是冤家不聚头，包立功和马唯民两个年纪相仿的男人，走的每一步几乎都是同步，但每一步却走得那么不一样!从80年进入红星理发馆开始，为了学徒转正、为了房子、为了升职、为了同一个姑娘，为了孩子，两个人是一路斗争到底。马唯民表面上英俊斯文，言恳意切，但其实为了个人的利益，他可以出卖自己、背叛朋友和家人。而包立功却是“卖相抱歉”，实则心地善良淳厚。两人一辈子针尖对麦芒地斗争，马唯民往往因为算计和不择手段而暂时得逞，赢得了一些利益——他如愿提前转正了;在住房紧张的福利分房时代，抢先得到了房子;在改革开放后，他成了下海捞金的人，积累了财富和名望……板栗和葫芦也率两府护卫在玄武公府内外仔细布防，谨慎细微也不能尽述。千万年前，鲛鱼魔王侵占花果山，被孙悟空剿灭。此战中，暗恋孙悟空的蜘蛛精为救悟空而死。佛祖封印悟空法力命其带着面具在人间修行。千万年后，蜘蛛精转世和悟空相遇再续前缘，遭到被悟空灭族的鲛鱼后代鲛鱼女阻挠。原来，鲛鱼女已和西游时被悟空打死的六耳猕猴联手合谋，对悟空展开疯狂复仇。鲛鱼女隐藏身份利用美色诱惑孙悟空。六耳猕猴冒充悟空对蜘蛛精感情欺骗，为让悟空背上情债，无法解脱。可鲛鱼女在和悟空的朝夕相处中，竟逐渐对悟空生出情愫。而这一切，也因鲛鱼女的一个奋不顾身达到高潮，更引出一场千年别离。最终，悟空在唐僧点化下，放下与六耳猕猴决斗。终见如来。