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Qingdao 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.蟹釜乔的作品《SEIKA的天空》是桃子地所爱的科幻蔬菜奇迹冒险谭。舞台是蔬菜之国？塞卡王国。描写了魔王亚也和因废弃蔬菜的仇恨而生的怪人们为了从恐怖中保护民众而奋起的勇者们的战斗。芬利是一位有才华、有抱负的小提琴家，她在去爱尔兰一个沿海小村庄参加大学学期的海外项目的路上遇到了著名的年轻电影明星贝克特。令人心动的贝克特带领紧张的芬利进行了一次冒险性的重新觉醒，她鼓励芬利掌控自己的未来，直到他的明星地位的压力挡在了路上，一段意外的浪漫就出现了。Differences between simple factories and factory methods: Simple factories and factory method patterns look very similar, especially specific factories in simple factories and factory methods. Simple factory, all things have been done in one place. However, the factory method creates a framework for subclasses to decide how to implement it. For example, in the factory method, the OrderPizza method creates a general framework to create pizza. The OrderPizza method relies on the factory method to create specific classes and make actual pizza. It is possible to decide what the actual products manufactured are by inheriting the factory. Simple factories do not have this flexibility."The choice of major is very narrow, or you can send it back to your place of origin for examination." What does this sound like?1. As for the data set provided in the Kaggle competition, it is equal to everyone;Link: https://www.zhihu.com/question/44712155/answer/98597003