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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.Explain a problem in the comment area:原来，香港富商冯先生遭杀手杀害，他的女儿冯小姐（关之琳 饰）和冯先生的好友刘先生现在随时都有生命危险。于是，为了保护两人，大力丸和助手贴身保护刘先生；而年轻漂亮的冯小姐则住到巴巴拉的家由犀牛皮等人保护，众人都想和这位漂亮开放到冯小姐搭上关系；维奇和巴巴拉住入冯家引诱杀手上钩。夏日里，一连串爆笑惊险的场面上演了！陈启一脸笑意看着吕馨，脸上清清楚楚写出了五个字：你能奈我何。好，就这么办吧。The above operation actually adds two mirror axes in the horizontal and vertical directions to the graph.一无是处的胖妹蒋芜，意外得到神奇手环并获得“星期8”时间，通过手环，冒充天使，追求校草，作弊伪装，成为学校风云人物。然而手环被偷导致一切虚假成功化为泡影，蒋芜终于明白，魔法的意义是成长而非佯装。