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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.Treatment method　　独孤伽罗尽心辅佐，与杨坚一同倡导节俭，协助杨坚成就“开皇之治”，国泰民安，与杨坚并尊为“二圣”，在杨坚开创隋朝盛世中起到了不可或缺的作用。没用多久，张良便领着项伯来了。该剧讲述了曾是专业排球运动员的男主角董海星进入大学后，和之前只知道学习不会谈恋爱的女主角韩多韵戏剧性的相识，并相恋的爱情故事。如果事情紧急，可以向山阴求援，山阴可以抽调三分之一的军队随时待命，可以赶过去帮忙。