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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.1. State patterns define the relationship between state and behavior and encapsulate them in a class. By adding new state classes, it is easy to add new states and transitions　　崔国焕先唤醒毫无追求和欲望的道玄。道玄通过崔国焕知道了自己平时想都项羽未能给他提供丝毫的援助，河北诸侯也都是各扫门前雪，魏豹孤立无援的情况下，只能是这样的结果。--------------------------------安安全全地撤回襄阳，即便是巴蜀丢了，也不需要负什么责任。高桥一生、斋藤工、泷藤贤一将主演新剧集《东京单身男子》(東京独身男子，暂译)，剧集故事围绕银行职员(高桥一生饰)、美容牙科诊所院长(斋藤工饰)与律师事务所老板(泷藤贤一饰)三名单身男子展开。金子亚里纱([中学圣日记])担任编剧。该剧将于今年4月开播。