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Undertake. Yixin Model: Unsecured Guaranteed Model Yixin Company was established in Beijing in 2006 and then launched P2P Platform for Yiren Loan. Different from the auction, when the investor decides to lend the funds in his hand, Yixin selects the borrower for him from among the loan applicants. The interest rate of the borrower is decided by Yixin according to its credit review, and the profit of the enterprise mainly comes from the service fee. Yixin's model is more like a combination of housing agencies and Taobao. Housing agencies collect housing resources, then contact buyers and charge agency fees after the transaction. The specific operation process is as follows: Yixin will break up the lender's money and make a multi-person loan contract to the lender. When the money reaches the third-party account, the contract will come into effect. Although Yixin does not have a contract between the lender and the borrower, Yixin's third-party account holder acts as the debt transferor for lending and borrowing, that is, the third-party account holder becomes Yixin's lender first, and after Yixin selects the borrower, the third-party account holder transfers the creditor's rights to the real lender. For each borrower recommended by P2P credit service platform, the lender has the right to decide whether to lend to the borrower of Yixin portfolio; The borrower repays the loan every month, the lender can dynamically know the repayment, income and other information of each creditor's right every month, and the lender can get the principal and interest repaid in the second month. Of course, lenders can also choose not to collect money but to continue to look for the next borrower in Yixin. This model was initiated by Yixin. Yixin mode has two main characteristics: Yixin's security system from the perspective of Yixin's operation mode, Yixin has stronger control over borrowers, and lendersOnce so in love with each other, now only disgust remains. At the time of divorce, the ground was covered with torn cheeks, ugly and rude.Define a factory interface. Q: How will it be realized? A: Declare a factory abstract classThere are a lot of them秦淼不安，轻声道：葫芦哥哥，你莫要听她吹，你和板栗哥哥明年准能考中。The audience at the back said it. . .