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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.好容易熬到鸡叫头遍，索性起床去院中练习拳脚。更清楚成皋对荥阳的意义，一旦成皋城池有失，局面针灸恶化道无法控制的局面了……可是今晚到处漆黑，万一要是越国在途中设伏。这是一个为了证明真相以及要回自己应得的一切的故事。纱琳一个工厂妹偶然知道自己的母亲桂丹曾经和亿万富翁的吉迪帕尼昆家族有着非比寻常的关系，而且桂丹还被诬蔑为插入淳拉缇和季乐娜婚姻的第三者。一次意外让纱琳认回自己的父亲淳拉缇，然后发现自己成为了亿万财产的继承人，所以她回到父亲家为了要回自己应得的所有东西。可是这次回归并不容易，因为她将遇到恶毒继母季乐娜，以及目前正是亿万财产继承人的继母的儿子艾斯尼。纱琳的出现令父亲的族人发生财产纠纷，纱琳变成许多人欲除掉的眼中钉。纱琳将如何为自己的母亲洗刷污名并且得到自己该得的东西呢？南宋末年，江南少年杨过自小父母双亡，被父亲生前结义兄弟、江湖上有名的大侠郭靖送到天下道教正宗的全真教去学武。全真教教规森严，天性叛逆的杨过在教中吃尽苦头，忍无可忍，终于逃出全真教。被活死人墓中的小龙女收留为徒。师徒二人在墓中一起练武、一起长大，渐生情愫。Https://www.jiemian.com/article/1919701.html