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The students. They may have been able to enter the threshold of university with the help of the state and society, but they do not have the money to buy computers, participate in more education and training, etc., and Qifang Network provides this loan method with negotiable interest, which broadens the channels for loans. Qi Fang's risk control has the following three characteristics: decentralized loans, strict examination and risk sharing. Decentralized loans are the common characteristics of these models. Strict examination means that students need to pass five related certifications before releasing help-seeking information: website ID card authentication, mobile phone authentication, bank account authentication, e-mail authentication and student ID card authentication. After passing five certifications, the student's identity can be determined. Risk sharing is mainly due to the fact that Qi Fang's borrowing targets come from universities that cooperate with Qi Fang, such as Chengdu College of Sichuan University and Ningxia Normal University. Schools and Qi Fang share risks. In this way, we can not only better find the right loan recipients and provide the real and effective evaluation of the loan recipients, but also make it easy for students to find loans through Qi Fang, and also avoid the risks of lenders. When the loan is established, the money will not be directly transferred to the student's bank account, but will be transferred to the account of the school where the student is located, and then the school will send the money to the borrowing student, thus ensuring the real use of the loan. Qi Fang's profits come from three sources: first, the service fee, which is about 2%. The second is online advertising revenue. The third is the commission of training tuition income. This is a more distinctive point. Through cooperation with training institutions or enterprises, Qi Fang not only provides assistance to college students who cannot afford training expenses or enterprise training, but also shares it from the tuition income of training institutions. Qi Fang(4) Instructor's License (applicable to flight instructors)略微的停顿之后，又道：伯洲，我要休息，守着营帐不要让任何人进来Encyclopedia咬着牙，认真写了起来。2056年的今天，连队士兵汉娜和科学家加文和迪米特里在鲁比康空间站上研究一个藻类项目，该项目旨在为人类提供永久的氧气和食物。但突然之间，他们脚下的大地消失在一片褐色的有毒烟雾中，所有的触点都断了——他们是最后的幸存者吗？他们应该离开安全的车站，冒着生命危险飞回来吗？什么值得活着，什么值得为之而死？