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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.山芋忙道：招弟，这个给你。少林寺内住着一个天真活泼的小和尚，名叫开心，年仅八岁。他聪明过人，深得方丈喜爱，唯一的愿望是与生母重逢。皇上病危，急召方丈入宫诊病，并立遗诏传位于十皇子，却因咳出一口血，多了一横，变成十一皇子。方丈大吃一惊，原来开心小和尚就是十一皇子，因脚上有七星痣，民间传说脚踏七星，能敌千万兵，皇上恰巧名万兵，皇上忌讳，便暗中托方丈照顾，连王妃也不知道这个秘密，误以为儿子已死。现在遗诏出了问题，方丈不知如何是好。十皇子胸怀大志，但安国公有极大权利，十皇子处境艰难，被迫离开皇宫，到江湖学艺，希望有一天能获得皇权。他为此而结识恒山弟子云剑飞等武林中人，云剑飞侠义过人，武功却平凡，后因无意中学得无字天书，与开心成为武林顶尖高手。安国公女儿安阳郡主天性刁蛮，她与剑飞、小凤、开心小和尚结识，与剑飞更成斗气冤家，却又互相被对方吸引。她明白了父亲暴行后，站到了正义一方，最后剑飞与开心合力把安国公消灭，开心并让位给哥哥，要他做一个好皇帝，回到了少林寺。剑飞与郡主有情人终成眷属，浪迹天涯。本片从人性内心出发，通过不同的形式讲述了16个或与社会话题有关，或是杂揉了现实和虚幻，或是将抽象的恐怖具象化的现实主义惊悚恐怖短篇故事。其中有的故事细思极恐，有的故事具象感受，有的故事迷幻氤氲，有的故事反映现实。每一个故事都力图通过不同的现实媒介与电影手法去探索恐怖类型片的边界，在致敬经典恐怖片手法的同时开创全新的反类型恐怖片，力图给生活来点刺激。想了想，又将淼淼送的大荷包系在腰间。这倒跟永平帝的想法不谋而合了。