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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.熊姓是楚国王族姓氏，想来此人应该出自楚国王族，子孙安危这么重要的事情，楚王一定会托付最信任的。意大利电影《完美陌生人》的德国翻拍版。韩王成探出车窗时，尹旭已经策马到了近前，拱手一礼道：尹旭参见韩王。　　范的侄子（许圣武 饰）贪婪凶狠，为谋夺财产不惜整死叔父。然而却发现遗嘱中已规定小宝贝成为亿万家财的唯一继承人。唯恐遭到毒手，小宝贝逃出家门。表叔的爪牙们阴差阳错将与小宝贝长的一模一样的彬彬（温兆宇 饰）及其叔叔泰迪（泰迪罗宾 饰）抓了回来。由此引发一连串爆笑刺激的精彩好戏……（.nn.，看小说网）中军大帐里的成员也纷纷露出狐疑神色，是什么神秘礼物？又是什么人送来的呢？神秘的礼物就装在案上的锦盒里，项羽瞧了一眼，毫不犹豫地就要上前打开。美保和爸妈一同探望病危的奶奶，只有美保能听见奶奶的声音，这时，奶奶提出临终前最后的心愿，即和美保交换身体，去看望自己的弟弟。（柊瑠美、片平なぎさ饰）