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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.IT is the abbreviation of Information Technology, which means "information technology" and includes modern computer, network, communication and other information technologies. The widespread application of IT is a sign of entering the information society.Everything is shrouded in darkness, only where you are, there is some light.Whether you like her or not, Mini Yang's popularity in the entertainment circle is obvious to all. Few domestic artists can compete with it, and the consumption conversion rate is one of the highest. There is nothing wrong with choosing Mini Yang.杜殇恭敬回答道：具体的却是不好估计。6. The goddess's idol is her brother (Leslie Cheung) and so am I. When my brother jumped down that year, I was moving bricks but it was very painful. I don't know what the goddess was doing at that time.天地伊始，万象皆新，巫族所镇守的九转玲珑石，集天地之气运，能颠倒日夜乾坤，其中的月华石更是有活生魂，药死人的奇效。