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唐皓、马光明、秦诗华和童大川是某都市大学的同班同学，他们积压着来自不同家庭背景的对美好未来的憧憬。唐皓长在农村，家境贫苦，马光明出生高干家庭，童大川爸爸是有钱的商人，而秦诗华则是当地有名资本家的千金，人长得漂亮，又善解人意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.羽儿？项羽眼中闪过一丝神采，有些微微的疑惑，惊讶的同时也多了几分惊喜。　　然而生活远没有那么简单，肖童在一次玩笑中邂逅大毒枭欧阳天的女儿欧阳兰兰，这个任性的富家小姐立刻就不管不顾地爱上了他……司马欣当日能顺利逃离关中，正是由此神不知鬼不觉离开，从而成功避开了秦国守军。"This proves that we have not only effectively harvested offline consumers, but also transformed a large part of the customer base through online promotion," said COO Wang Bo of Osaka Weaving House.