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4. Jin JideQingdao 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.卢绾算是个有些头脑的将领，尽管汉王的诏命没有到，越军那边也没有什么动静，但是他的侦查早早地已经展开了。Different things have different cycle days. As for the word cycle, it has a special meaning in Chinese, that is, one week, but it is generally not used in this way. It is only considered to be used in this way in very special places. If the menstrual cycle is normal, it is 28-30 days, and some girls have relatively long or irregular menstrual cycles.一旁的郦食其却突然哈哈大笑：张良先生所言不错，但是风险依然很大，齐国之地虽然有我们的军队存在，但是主导的还是韩信啊。一名男子被一名有权势的政客女儿猛烈追求,后者不惜一切想的到他。他于是铤而走险,试图让自己的生活重回正轨