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Generally, they do not participate in the audit and have no contract with the borrower, but only a creditor's rights transfer contract with Yixin's third party. In this way, lenders will have great risks. Therefore, in order to protect the loan safety of the lender, Yixin promised in the contract with the lender that in case the loan is not repaid, Yixin will pay the insurance money withdrawn by the company to compensate all the principal and interest of the lender. This is the biggest guarantee for the lender. Risk control is a powerful guarantee for repayment. Yixin's decentralized loan and monthly repayment system have ensured effective repayment to a greater extent. In addition, Yixin requires a face-to-face meeting when reviewing the borrower. Therefore, Yixin has set up offices in 15 cities, one of its purposes is to meet with instant noodles. In the face-to-face meeting, I personally presented the original of various certificates and asked about the use of the certificates in person, thus better ensuring the authenticity of the borrower. Judging from its strong control over the lending process, Yixin is mainly a way for P2P enterprises to determine the interest rate of borrowers according to their credit rating, so Yixin belongs to composite intermediary P2P. Qingdao Model: Mortgage and Guarantee Model　　对他人毫无兴趣，总是独自一人读书的高中生“我”。这样的“我”有一天，偶然捡到一册写着《共病文库》的文库本。那是，天真烂漫的班上人气王·山内樱良私下记录的日记本。里面记载着她身患胰脏的疾病，已经时日无多……。甭管她性子多拧，耐不住儿子不听话，也没法子。The "Measures" are smaller in scale and lighter in nature than the "Regulations". More targeted, more detailed, specific and fine, more direct operability; Apart from some "independent" official documents, most of them are "implemented" normative official documents, such as various "implementation measures" all have this nature.福尔摩师奶奇案序章平凡家庭中长大的天才游泳选手白泳泽与家道中落的千金小姐宋茶茶在人生低谷中相识，成为欢喜冤家。泳泽的好友蓝天因为秘密不得不离开未婚妻茶茶。因此，在事业、友情、爱情面前，泳泽和蓝天从好友变成竞争对手。经历了严酷训练，二人在成为国家队成员的终极一战中展开对决。蓝天父亲设局让泳泽被迫放弃比赛，得知真相的蓝天战胜内心的胆怯，捍卫了竞技体育精神，毅然归还本应属于泳泽的荣誉。三人在经历诸多波折后成长为有责任感、性格坚韧、内心阳光正直的出色青年。