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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.吕老哥你要是来我们网站，我一定扫榻相迎。在墨西哥的一个月里，他们已经了解到这块大陆的富饶，尤其是南方的那些银矿，这些东西让西班牙人赚的盆满钵满，甚至远超葡萄牙人曾经垄断的香料贸易。所以这气氛陡然间就有些尴尬和旖旎了。青春梦想，青春担当，青春接力三大板块，热情蓄力。最好的青春，在歌里，在心里！让我们和爱豆一起天台接力，声浪出击！Variable name: JAVA_HOME