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张富，你是老人了，来给大伙说说。Petit Verdot-Little VitoUndertake. Yixin Model: Unsecured Guaranteed Model Yixin Company was established in Beijing in 2006 and then launched P2P Platform for Yiren Loan. Different from the auction, when the investor decides to lend the funds in his hand, Yixin selects the borrower for him from among the loan applicants. The interest rate of the borrower is decided by Yixin according to its credit review, and the profit of the enterprise mainly comes from the service fee. Yixin's model is more like a combination of housing agencies and Taobao. Housing agencies collect housing resources, then contact buyers and charge agency fees after the transaction. The specific operation process is as follows: Yixin will break up the lender's money and make a multi-person loan contract to the lender. When the money reaches the third-party account, the contract will come into effect. Although Yixin does not have a contract between the lender and the borrower, Yixin's third-party account holder acts as the debt transferor for lending and borrowing, that is, the third-party account holder becomes Yixin's lender first, and after Yixin selects the borrower, the third-party account holder transfers the creditor's rights to the real lender. For each borrower recommended by P2P credit service platform, the lender has the right to decide whether to lend to the borrower of Yixin portfolio; The borrower repays the loan every month, the lender can dynamically know the repayment, income and other information of each creditor's right every month, and the lender can get the principal and interest repaid in the second month. Of course, lenders can also choose not to collect money but to continue to look for the next borrower in Yixin. This model was initiated by Yixin. Yixin mode has two main characteristics: Yixin's security system from the perspective of Yixin's operation mode, Yixin has stronger control over borrowers, and lenders谁都能轻松驾驭的“egzo框架”我亲爱的失败者之怪物浪漫PinLight大山的儿子，讲述双阳镇地处太行山腹地，交通不便经济落后，邮递员穿官衣，骑官车，吃供应粮，是令人羡慕的职业。赵家宽为保住这身官衣，在太行山区开辟了一条艰险的邮路。王三皮则想当一名电报员，将来接替所长的位置。王三皮听说岗位精简的消息，便挖空心思诬陷赵家宽。赵家宽被局里树为行业标兵，王三皮只得改行到供销社当营业员，王三皮对赵家宽恨之入骨。赵家宽连续十几年被评为省级邮电战线的先进标兵，给邮电所和地区邮电系统带来了荣誉。不幸的事情终于发生了，赵家宽被山里的老虎夺去了生命。