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1. The borrower is required to repay the principal and interest on a monthly basis. In this way, the amount to be repaid each month is very small and the repayment pressure is also small. The lender can receive the repayment on a monthly basis with little risk. 2. Credit audit introduces socialization factors. That is, the borrower's ID card, account book, marriage certificate, academic certificate, etc. can all increase personal credit scores, but these data do not need to be provided with the original, and their authenticity is difficult to be effectively guaranteed. Therefore, the auction believes that the online community and users' online circle of friends are also one of the important parts of their credit rating system. The more friends and members' friends in the inner circle of the website, the higher the number of times individuals borrow and lend, and the higher the credit rating. In this way, the network activity and the user's personal identity, financial ability, bank credit, etc. together form a complete set of evaluation system. The unsecured and unsecured mode has only credit requirements for the borrower but no mortgage, and does not assume guarantee responsibility for the lender. The lender and the borrower trade on their own, and the auction only exists as a witness and trading platform. Therefore, in fact, this form is relatively risky for lenders. However, the winning interest rate for auction is often above 15%, which is still a great temptation for lenders. Therefore, investment in auction and loan has higher risks and higher returns. Because the transaction is concluded in the form of competitive bidding and both parties to the transaction are free to trade, the auction and loan belong to pure intermediary P2P. The auction will blacklist the borrower who fails to repay the loan within the time limit and make it public, but it will not compensate the lender for the economic losses. The auction will only refund the lender's handling fee, so the potential risks of fund recovery can only be borne by the lender itself.其实这暗语只有张良和李泽之间知晓，别人是没有办法从中作梗的。　　某日，兆宇的大学死党若比找到了他，一群曾经的好友相约回到了大学时代的秘密基地“钟楼”。哪知道忽然之间钟楼里的巨大时钟发出耀眼的光芒，当兆宇再度睁开双眼之时，震惊的发现自己竟然回到了2007年，也就是他上大二的那一年。黄豆停下一看：方向反了。鲁邦的女儿第二季鲁邦的女儿第二季鲁邦的女儿第二季鲁邦的女儿第二季冷家八个兄弟以情感经历为主线，描写中国当代农民进城打工的故事。冷家八兄弟闯入京城，既兴奋又畏惧，既向往又茫然。靠勤劳，靠忠厚赢得社会承认，得到了世人的尊重。向人们展示了改革三十年来，中国农村向工业化、城市化转移的变迁，及公正、平等对待农民工的故事。你家小姐是那么容易死的吗？冰儿瑟缩后退，眼神幽怨——她不就是想配合小姐一下嘛，她肚子也好饿。