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The students. They may have been able to enter the threshold of university with the help of the state and society, but they do not have the money to buy computers, participate in more education and training, etc., and Qifang Network provides this loan method with negotiable interest, which broadens the channels for loans. Qi Fang's risk control has the following three characteristics: decentralized loans, strict examination and risk sharing. Decentralized loans are the common characteristics of these models. Strict examination means that students need to pass five related certifications before releasing help-seeking information: website ID card authentication, mobile phone authentication, bank account authentication, e-mail authentication and student ID card authentication. After passing five certifications, the student's identity can be determined. Risk sharing is mainly due to the fact that Qi Fang's borrowing targets come from universities that cooperate with Qi Fang, such as Chengdu College of Sichuan University and Ningxia Normal University. Schools and Qi Fang share risks. In this way, we can not only better find the right loan recipients and provide the real and effective evaluation of the loan recipients, but also make it easy for students to find loans through Qi Fang, and also avoid the risks of lenders. When the loan is established, the money will not be directly transferred to the student's bank account, but will be transferred to the account of the school where the student is located, and then the school will send the money to the borrowing student, thus ensuring the real use of the loan. Qi Fang's profits come from three sources: first, the service fee, which is about 2%. The second is online advertising revenue. The third is the commission of training tuition income. This is a more distinctive point. Through cooperation with training institutions or enterprises, Qi Fang not only provides assistance to college students who cannot afford training expenses or enterprise training, but also shares it from the tuition income of training institutions. Qi Fang师兄，武功虽强。杨长帆数着人头与火把，影影绰绰过去三四十人，粗算船上还应有二十人上下。The division of the three worlds was not only the basis for formulating foreign policies at that time, but also an important guiding ideology that had an impact on China's diplomacy for many years to now.　　朱莉拿到这本书之后欣喜若狂，她决定花上一年的时间来将书里的美食逐渐尝试。她将每天做饭的经验之谈毫无巨细的发到了自己的博客里，在网友中引起了不小的反响，这同样也引起了朱莉娅的注意。两个爱好美食的女人走到了一起，朱莉也渐渐了解了关于这本书背后的故事。朱莉娅是一个美国人，为什么她会喜欢上法国菜？而朱莉娅是如何学会数量庞大、花样繁多的法国菜，在这过程中，朱莉娅又经历了什么样的困难？朱莉开始渐渐的走进这位美食家的内心世界……