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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Yixin promised in the contract with the lender that in case the loan is not repaid, Yixin will pay the insurance money withdrawn by the company to compensate all the principal and interest of the lender.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花生和玉米一齐站起身，嘴里答应着，目送他走远，才坐下继续看书。汽车修理技师夏利宾（雷佳音 饰）被未来的丈母娘逼着必须买了房才能结婚。柏平与同公司的恋人卫蓝打算秘密结婚，于是两人打算与夏利宾合伙买套两居室，共同还贷。娱乐报纸的记者徐梓琳（袁姗姗 饰）偶然客串了一次相亲节目后时来运转，被总编提拔成对男人挑刺的专栏主编。因为她偏激的观点导致了夏利宾“进攻”准丈母娘的全线失败，夏利宾展开对徐梓琳的回击，但在过程中，这对欢喜冤家却走到了一起。与此同时，柏平和卫蓝也面临着自己的麻烦：这对相恋两年刚刚步入婚姻殿堂的年轻人，却因为公司不允许谈恋爱，不得不进行着一场旷日持久的地下恋情，没想到双方家庭的各种误会和矛盾随之而来而且不断升级。虽然各种矛盾、压力和变故如雨后春笋般层出不穷，但四个年轻人在友情与亲情间开始互相理解，逐渐走向成熟。百合（王梓桐 饰）是一个十九岁的单亲妈妈，面对记者的摄像机，她丝毫没有半点紧张的神情，从容地回答着提问。几年前，她打工来到深圳皇岗口岸，结识了一名香港货运司机，不久与其同居，待怀孕临产时，那个男人不见了，她最终也没找到他。百合靠做蛋糕的手艺艰难生存，可老板因怕她把孩子生在蛋糕店而辞退了她。孩子出生后，她欠下老乡很多钱，尤为胡金玲（赵雅琪 饰）最多，不幸的是孩子患有先天性心脏病，手术费需十万元，可根本筹不到这么多钱，她甚至把孩子扔进医院逃跑，把负担扔给社会，伹最终并未得逞。万般无奈的百合想“典当”自己给暴发户，以获取救孩子的钱，还是没有成功。最后，她想到了卖自已的器官......唐敖、林子洋、多九公拿着意外救得的若水所给地图，去女儿国游历，到了女儿国后发现国王竟然就是若水，而女儿国的风俗竟然是女子男装主外，男子擦脂抹粉生育子女主内，而这一切的发生竟然都源于国舅的诅咒…The first method is normal recovery.