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众多队伍施展浑身解数，竞赛通过被岩浆淹没的房间。他们踩着椅子跳出去、攀附在窗帘上，甚至抓着吊灯摆荡。真的，没有在开玩笑。花明月是名副其实的名媛青春版“千颂伊”，甜美娇俏集万千宠爱于一身；秦东海曾任消防中队中队长，退役后留学英国并以优异的成绩学成归来入职花氏集团，外表高大有型、硬朗帅气，实则却是一个“少女心”十足的反差萌硬汉。二人不打不相识开启了一场斗智斗勇、相爱相杀的“养成系”恋爱故事。Reporter: I haven't been able to figure out which of you can catch up with which.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 lendersLiu Spruce, an associate professor at Peking University, made statistics: In the 1980s, 30% of Peking University students came from poor families. In the 1990s, the proportion of poor families began to decline gradually. After 2000, the proportion of poor families was only over 10%.