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Source: Brother GuoQingdao 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.故而立即使出风格诡异，招数奇怪的尹氏剑法。然而有一事却让众人煞费苦心，一旦遭遇伏击，秦军必会发现高易的奸细身份。故事发生在陕西，农民刘高兴（郭涛 饰）是个喜欢设计飞行器的有心人。迫于生计，他跟好兄弟五富（冯砾 饰）一起来到西安打工，在老乡韩大宝（林雪 饰）的一间破旧仓库落脚，邻居包括东北大汉黄八（海一天 饰）和一对夫妇种猪（巴多 饰）和杏胡（苗圃 饰）。高兴的工作是收废品，虽然工作不那么光鲜，但是高兴却乐在其中，这种积极的心态感染了五富和邻居夫妇。另外，碰到小流氓石热闹（黄渤 饰）寻衅滋事，也是高兴挺身而出惩恶扬善。