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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.由导演程樯执导，滕华弢任监制，姚芊羽、涂松岩、谢君豪、凯丽、寇振海、岳跃利领衔主演的电视剧《宝贝战争》于2011年3月28日在京举行新闻发布会。该剧将是中国首部探讨“无子婚姻”问题的现代都市家庭伦理剧，导演程樯携姚芊羽、徐松岩、谢君豪、凯丽出席发布会。杨长帆同样吓得说不出话。在20世纪50年代，25岁的纽约客米琪·麦瑟尔是个精明、阳光、充满活力、可爱的犹太女子，她曾经对自己的生活作出如下：上大学、结婚、生两三个孩子，然后在优雅的曼哈顿公寓中提供赎罪日晚餐。……不到半个时辰，何永强满意告退，出了杨府的大门，他压根就没见到杨寿全。3-0;(1) In the most visible place, the vertical three ring lights, the top and bottom should be red, the middle one should be white;