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4. After opening the WeChat application, two WeChat icons will appear on the desktop of the mobile phone.Equipment: Increases the critical strike level by 20 points.No Required Class:Undertake. 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讲述三个反传统的洛杉矶女人（40多岁好朋友）不约而同跑到克里夫兰，又不约而同住进了同一间房子。当她们意识到当地人觉得她们「很有魅力」后，便决定留下来生活。Betty White扮演她们三人在克里夫兰（农场）的邻居，脾气不好，在那块土地上已经生活了50年。Reason for Nomination: This manuscript better restores the cause and essence of the continuous conflicts between PetroChina Changqing Oilfield and local oil companies over the years. This article has rigorous analysis framework, smooth writing and clear logic. It has caused no small repercussions in the industry and the local area.