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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.在新的时代机遇下，姚远抓住商机，促成快递与电商携手合作上下游业务，打通产业链。面对资本和同行两个阵营的压力，面对昔日女神的相爱相杀，四十不惑的姚远选择勇敢面对。他用自己在商场上摸爬滚打出来的经验，结合政府的利好，打出了一组资本与平台、平台与市场创新融合的组合拳，在众人的瞠目结舌中，再次撑起创业大旗，也再次点燃了路晓欧的心。[[Reprint] Translation: Hyman's Practical Guide to Strength Lift (100-102) Chapter 4 Training Principles and Theories]5. 将会出现一些新面孔 。 　转头对其中一个随从道：你可要说仔细了。