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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.　　轟動武林，天地蒼茫論英雄。3. HR and Director or General Manager Interview; Then in this round, HR may ask you some basic personal information and other information, and ask you what personal plans you have in the future. The director or general manager may ask if you have any knowledge of their websites and products. And what are the problems with their products now, whether there are any better suggestions or how to improve them, etc.喊了两声，白果掀帘子出来了。一对陷入财务困境的夫妻发现GPS系统能找到被盗的金子，但是他们必须和一对神秘的旅行者合作，在冬天深入荒蛮之郊。项少龙最后的确归隐了，但是作为一个优秀的穿越者，项少龙会甘心就此沉寂？项羽是项少龙的儿子，那么大秦覆灭的过程中，项少龙有没有出手？《寻秦记》的后记中，仅仅多出一个项少龙之子项宝儿改名为项羽的情节，但却给所有书友读者们留下无尽的震撼，无尽的遐想。杨长帆可不敢让翘儿当运钞车，就算是这一里路，也难保不杀出来几只拦路虎，还是要等我。