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所有的短处被揭开，这甚至比亡国还让人羞耻，上书之人，简直比俺答倭寇还要可恨。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.1937年夏，上海。热血青年汪文宣满怀着崇高理想，准备献身于中国的教育事业。他与同样学教育的曾树生热烈地相爱着。树生的同学陈奉雅的哥哥——留洋回来的陈奉光，也在拼命地追求着树生。文宣的母亲来信催他回乡与自小时候订了娃娃亲的玫完婚。树生陪文宣一起回去，却遭封建势力的重重打击，只得离开是非之地，回沪举行婚礼。汪母带着玫赶到，事情顿成僵局。日本帝国主义的炸弹，让人们不得不面对严峻的局势。汪母将玫认作干女儿，带着她一起跟着儿子媳妇踏上了逃难的历程。文宣应友人之推荐前往武汉从事抗日宣传工作，善良的还带上了他自幼失怙的学生如烟如雨，以及他们的监护人远房舅舅张华飞一家四口。自私自利的张华飞一家自己开后门弄到车票远走高飞，奉光好意替滞留途中的文宣他们弄到了船票，却被汪母不近人情地回绝了。树生差点遭到败兵的强暴，汪母归咎为她的招风引蝶。婆媳之间终于暴发了一场激烈的争执。汪母一气之下带着玫跟一位同乡田秉业的船去武汉。文宣他们赶到武汉，才发现那里几成空城。他们给汪母她们留下讯息，准备去大后方重庆。途中，树生在1945年4月到6月间中国人民与日本侵略者在中国湖南湘西进行最后一次殊死搏斗。面对来势汹汹的日本侵略者，中国空军飞行员张怀滨、中共地下党员谌剑玉、国民党军统干事胡岚、八路军南下支队特遣分队分队长张怀江、美国飞行员罗伯特、国民革命军钦迪特支队支队长韩文玉等人与国民革命军和湘西人民一起奋起反击，并在共同的战斗中捐弃前嫌结下深厚友谊。他们前赴后继，英勇无畏，深入敌后，舍生忘死，用对祖国的一腔赤诚和满腔热血谱写了一曲荡气回肠的抗日壮歌。湘西会战消灭日军两万多人，以中国军队的完胜宣告结束。8月21日，侵华日军在芷江向中国军队低头洽降，至此，中国人民的八年艰苦抗战取得了伟大胜利。　　暑假结束的时候，所有同学都被要求说出自己夏天的收获和经历，只有马克思，讲述的是自己的历险故事。And then threw it in the heart of the Sahara Desert,