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[Collection Value]可是将军应该逼问他们才对。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.The specific implementation is as follows:1. Incident ProfileAs a result, her daughter got polio and her leg was lame. Borrowed tens of thousands of yuan to cure the leg, but the result was still unable to recover. Every time I see her, my heart hurts. "Just because her parents wanted to save a little money, this sister was delayed all her life."龙蛇混集的小镇上。汪洪为一之首，窝娼聚赌，无法无天，而善长“擒拿手”之王进勇，不甘与同流合污而拒之。一次，王错手打死汪之手下，而逃亡上海。眼看上海之繁华，王决心闯一番事业，虽然困难重重。但经一番苦战后，终成为独一无二的上海滩大亨。