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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.Earthworm: Although the IQ is lower, people have verified that reading books bought by their father and absorbing a large amount of relevant knowledge within three days in the cafe.但他还是不满足，觉得张家不止这么些财产，把张槐叫了出去，沉脸问道：张槐，你可知藏匿不报是何罪？张槐冷笑道：小人并未藏匿财物，连暗柜里的东西都被抄了出来，还说什么藏匿。Packet Content Modification《王保长歪传》是将《抓壮丁》中的人物，加以故事延伸，编撰出王保长开当铺、和三嫂子假结婚、与李老栓竞争稽征所长等情节，趣味横生，让人啼笑皆非。Hulu的恐怖诗选剧《怪兽乐园 Monsterland》改编自Nathan Ballingrud短篇集《North American Lake Monsters: Stories》，剧集角色包括一些奇幻生物，例如堕落天使﹑狼人等，他们为求扭转自己的生活而绝望地采取一些行为，从而表达出人类与「他们」的差异其实并不大。