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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.《后宫》是由安以轩，冯绍峰，杨怡等主演的深宫女人大戏于2011年11月6日在浙江卫视全国独播。主要讲述了明宪宗时期，杨永为了替兄报仇，入宫成为乐师相遇人生挚爱春华，却因同在宫中身不由己，有情人近在咫尺却形同陌路。时装设计师蓝妮和她的两个模特好朋友雨佳、云杉来巴黎已经一年了当初她们满怀理想要在巴黎时尚界大展拳脚可是一年以来残酷的现实几乎打消了她们所有的希望甚至她们还要为了房租发愁。 齐翔是专替影楼拍婚纱照片的摄影师偶然间他卷入了三姐妹的生活蓝妮很看不惯齐翔的种种小混混习性而齐翔自打遇到这三姐妹也是倒足霉运两人闹了很多别扭也闹出很多笑话齐翔更无巧不巧的搬到三个女孩隔壁蓝妮痛恨齐翔却又无可奈何 郁凯从中国来到巴黎他的使命是并购巴黎时尚业赫赫有名的路易菲斯时装公司路易菲斯老板汉斯与妻子安娜就购一事，产生巨大分歧，路易菲斯是汉斯一手创立的服装品牌，有如亲生骨肉，如今要被收购，汉斯心里自然百般挣扎不愿意。安娜比汉斯更清楚公司的营运状况，若不被收购，就只有死路一条。他望着少年那棱角分明的脸庞，只觉心中有一只困兽在乱窜，突然伸手一把揪住葫芦的衣领。"Base Version"　　男主妈Pharawee想给钱令tiansee收手，被拒绝了，然后tiansee应聘去做了tiwa的秘书，gina演Alice，是大老板的女儿，也是男主妈心目中的儿媳，她对此很抓狂。1936年纳粹者发起全国青少年挑战阿尔卑斯山背面的活动,很多人都认为那是死亡之墙,但还是有2位德国青少年挑战,而最终失败的故事。 人们在雪山中发现了他们的尸体　其中一人手紧握攥着一个小页血书，上书“给我一套装备。我能爬到中国