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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.隣の声 松下由樹 あめくみちこ陈太太看看沉默的大苞谷，忙道：那你该再买大些、地段好些的。Division.在化妆品和沐浴用品制造商Lilia Drop工作并担任肥皂产品开发计划员的名取香太郎（佐藤宽太 饰），和在同一家公司担任会计部门的八重岛玛奇（大原优乃 饰）的故事。气味专门职人的终极气味控香太郎，在公司走廊遇到了令自己在意的气味。另一方面，重度出汗的玛奇在幼年时期曾被戏称为汗子，对气味和汗水有自卑感，为了避人耳目，每天都要在厕所使用除臭剂产品。玉米小心思很是慎密，觉得要是秋霜姐姐就这么去张家找他，没准管家刘爷爷不让她进门。　　阴风阵阵，惊声尖叫