This may be the real inspiration of Simon's ten-year law to us: patiently and modestly keeping deliberate practice for a large period of time.Data show that there were more than 6,000 companies engaged in private lending intermediary business when P2P platforms were in hot demand in China. After three years of survival of the fittest, according to incomplete statistics, there are only 1,958 platforms left. It can be predicted that the number of P2P platforms will continue to decrease. At present, some financial intermediary companies in Yixin, Auction, Qifang and Qingdao are relatively recognized. The following is a typical analysis of these P2P enterprises. Auction and loan: unsecured and unsecured mode. Auction and loan was established in Shanghai in 2007. It is a typical P2P online credit platform in China and can be used as a typical sample of P2P websites in China. Auction and loan use competitive bidding to realize the online lending process. The loan interest rate is determined by the supply and demand market of the borrower and the bidder. The enterprise does not charge other fees, and the main profit comes from service fees. The main process is as follows: the borrower releases the loan information, lists the relevant information such as the reason and amount of the loan, and gives the highest interest rate. Investors participate in the bidding, and the person with the lower interest rate wins the bid. The web page will show the borrower's loan progress and the number of bids completed. If the total amount of bid funds meets the needs of the borrower during the fund raising period, his loan will be declared successful. If the required funds cannot be raised within the prescribed time limit, the loan plan will be suspended. This mode of risk control has two characteristics:The students. They may have been able to enter the threshold of university with the help of the state and society, but they do not have the money to buy computers, participate in more education and training, etc., and Qifang Network provides this loan method with negotiable interest, which broadens the channels for loans. Qi Fang's risk control has the following three characteristics: decentralized loans, strict examination and risk sharing. Decentralized loans are the common characteristics of these models. Strict examination means that students need to pass five related certifications before releasing help-seeking information: website ID card authentication, mobile phone authentication, bank account authentication, e-mail authentication and student ID card authentication. After passing five certifications, the student's identity can be determined. Risk sharing is mainly due to the fact that Qi Fang's borrowing targets come from universities that cooperate with Qi Fang, such as Chengdu College of Sichuan University and Ningxia Normal University. Schools and Qi Fang share risks. In this way, we can not only better find the right loan recipients and provide the real and effective evaluation of the loan recipients, but also make it easy for students to find loans through Qi Fang, and also avoid the risks of lenders. When the loan is established, the money will not be directly transferred to the student's bank account, but will be transferred to the account of the school where the student is located, and then the school will send the money to the borrowing student, thus ensuring the real use of the loan. Qi Fang's profits come from three sources: first, the service fee, which is about 2%. The second is online advertising revenue. The third is the commission of training tuition income. This is a more distinctive point. Through cooperation with training institutions or enterprises, Qi Fang not only provides assistance to college students who cannot afford training expenses or enterprise training, but also shares it from the tuition income of training institutions. Qi Fang 事实上，尼奥的身体在真实世界的飞船上处于昏迷状态，他的思维却被困在一个“中空”地带：那里既不是母体，也不是机器占领的真实世界。这个地方叫Mobile Avenue Train Station，显然是个火车站，不过是梅罗纹奇的势力范围（因此不受常规母体程序控制）。尼奥醒来时遇到了一个神秘的小女孩和她的父降妖术士王子服和唐闻委托干铁锤打造“伏魔神兵”，谁知干铁锤爱慕王子服不得却意外身亡，灵魄阴差阳错进入狐妖婴宁体内。王子服和唐闻在追查干铁锤下落的过程中，发现婴宁的秘密，开启了一场奇幻之恋……
