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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 Fang410 Attack 410 Force = 410* (1 +410/250) = 1082　　这是一场很长很长的离婚的故事，它跟随着弗朗西斯和罗伯特（托马斯·哈登·丘奇 Thomas Haden Church 饰），讲述了离婚中收拾残局的种种——不仅仅是两个人之间的事儿，还牵扯到孩子、朋友，有公共场合的尴尬碰面，还有私下婚姻咨询的重重困难。2013-06-01 to 2013-06-06简单几句话，云峰就彻底被张三丰折服，这样的人物让人不得不心服口服。细细望去，此人肤色黝黑，两鬓胡须半数斑白，面容消瘦露骨，睡得却是四仰八叉，心安理得。追问：你姐姐还没嫁人？怒曰：胡说。