In terms of the importance of the plan, the plan can be divided into strategic planning and operational planning. The purpose of team improvement includes the encouragement of individual associates to cooperate together inside the team's workplace, interacting and integrating skills right into a united effort so that each individual's goal achievement is attached to the greater overall team goal achievement. Point five: look at the repayment risk. Reimbursement risk fee, is that when investors corresponding borrower overdue list creditor's rights or bad debts, so risk fee reimbursement amount of account can be used to repay the principal and interest first, this will let next fall risk level, safety coefficient is relatively high, so it is more important, investors when the choice must be made sure.