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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.上海这个城市给人的感觉就是小说第一章和最后一章，充满开始和结束的味道。当年，刚刚温哥华大学毕业的伊川夏第一次以情人身份跟随年良修到上海时，她这么评价上海，如果说当年是一种隐隐的暗示，那么多年后就是一语成谶。《居家男人》是一部前卫的动作剧，讲述的是一个在国家调查局特别小组工作的中产阶级男人的故事。当他试图保护国家免受恐怖分子的袭击时，他还必须保护他的家人免受他那秘密的、高压力的、低报酬的工作的影响。嗫嚅道：我……我哥哥……我说胡钧，这还用问嘛。刘蝉儿道：青莲，等表姐抽空帮你做。　　在美国，小龙凭其功夫根底，在唐人街打出名堂，开设振藩武馆，收徒传艺，幸会曾叱吒武坛的严星南（高雄饰）。在严的教授和支持下，小龙参加全美长堤博击大赛，力克群雄……因此也被荷里活片商看中，开始演艺生涯。期间，活泼机灵的方霏（万绮雯饰）、妇女解放份子叶惠明（关咏荷饰）和柔情似水的Linda Moore（谭筠怡饰）均爱上小龙，有情人能否终成眷属？