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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 Fang… … … …马上就快过年了，陈启接他们过来，一起在燕京过年。这都是你大哥我教导之功。明明应该幸福地生活着，在我的内心深处，却是一起度过青春时代的同级生？廉一直在睡觉。Nick跟他富有﹑不负责任﹑落跑了的父亲关系诡异，他为了不被FBI抓到把柄，逼使儿子代为隐藏及增加自己的不义之财。他决定把钱投资在一个刚兴起的科技上，这科技是由一个不正统的技术高手Izzy Morales（Otmara Marrero饰）开发，可随时改变世界。《梅花档案》根据上世纪70年代风行一时的手抄本小说《梅花党》故事改编而成，档案局文员龙飞(周杰饰)潜入阴森恐怖的“鬼宅”，看到了特务组织的“梅花档案”，发现了特遣图“梅花傲雪图”的线索。公安人员肖克(董勇饰)侦破“梅花组织”时，行踪神秘莫测的龙飞令他疑窦重重…… 　　初恋情人南云(苏瑾饰)的突然出现，让龙飞旧情复燃，而护士梅香(海清饰)又无法脱离他的视线；同时，肖克也在自己心仪和心仪自己的两个女人之间左右为难。两个彼此猜忌的男人和三个扑朔迷离的女人，三个神秘的女人时隐时现，龙飞依然行迹诡秘。浓重的迷雾笼罩着肖克。龙飞究竟是什幺人？三个女人的真实身份是什幺？恐怖事件为什幺还在接连发生？“梅花傲雪图”究竟在谁的手里…