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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Yixin promised in the contract with the lender that in case the loan is not repaid, Yixin will pay the insurance money withdrawn by the company to compensate all the principal and interest of the lender.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高剔红是染布坊里最能干的姑娘，映雪、千春、金花是她的好姐妹。她还有个弟弟名叫剔江，姐弟二人自小便失去双亲，与舅舅、舅母一起生活。这一年，正值灯会。剔红姐妹去看热闹。当地首富辛家老小，也来逛灯会。映雪见状便找个借口溜得不见人影。原来，映雪是辛家的童养媳，她与辛家少爷辛瑞雨是尚未完婚的夫妻。射箭场上人声鼎沸，渔夫秦江海勇夺桂冠。江海平素生性豪迈，有情有义，正因此他在村中颇有声望，他的获胜无疑获得了全村渔民的喝彩。江海的英姿也深深刻在了人们心中，同时也猎取了剔红和映雪两颗少女的心。秦江海，成了剔红日后口里的“阿海哥”，剔红将芳心暗许。这日，天真澜漫的映雪，对剔红吐露她对江海的爱意。剔红沉默了，为了不伤害好姐妹，她决定将自己的爱深埋。辛瑞雨自小体弱多病，母亲辛夫人决定早日为瑞雨和映雪完婚。不想，完婚之日映雪逃走，辛家乱成一团。映雪心系江海，她逃到江海家向江海表明心意。江海被这突如其来的‘爱’吓得不知所措。辛府终于找到江家，将映雪抓了回去。瑞雨自射箭场上见过剔红，便久久难忘。与映雪成亲一事他也只是可这是自家儿子，若是别人，准要怀疑他有阴谋。那时还是《白发魔女传》连载的时候，紫月剑等人发出诸多诬蔑，于是天启写出了这个短篇——一个无敌剑客，一生求一败而不可，最后隐居山谷，葬下自己的宝剑。两个情同手足的少年，在这座城市一起长大。因为宿命使然，他们分道扬镳，其中一个要去外面闯荡，另一个则选择留下，于是在出发前晚，两人相聚一个小餐馆，约定二十年后的同一日期、同一时间，来到这里再次相会。 二十年后，桑晓遍体鳞伤的回到了原地，却发现小餐馆已经变成了十字路口，他在那里等了许久，遇到一个等夜班车的男子，两人聊起了二十年前的那个约定，让桑晓没有想到的是，这个男子就是约定好二十年后跟他再见的苏强。而更令人想不到的是，二十年的岁月磨洗，已经让桑晓变成了一个恶行昭彰的通缉犯，而苏强却成了一个正义无私的警察。兄弟二人重逢在十字路口，再次面临宿命的选择。　　某天他被卷入村子之间的争执，在他陷入烦恼的时候，描写了和平公主遇见三国时代最棒的trainer后瘦身成功所展开的故事。和平公主是先王的老来子，之后很早就失去了双亲，备受王兄的宠爱。公主聪明和善唯一的缺点就是过胖，但宫中所有的人都对此缄口不言，亲切伺候她，她也从未觉得自己有什么不好。和平公主对救自己的命恩人白莫镇一见钟情，终于如愿以偿嫁给了她，新婚之夜因身材被白莫镇冷落，不仅如此更是爱上了公主的侍女红丹。化平称：“要怎样才能让驸马高兴”，但白莫镇却冷淡回答：“是我配不上公主，知道您品行端正”，每每看到对方的样子总是连声道歉。