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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.在中年危机的阴霾中，一位建筑师开始以朋克的身份过着双重生活，而他的家人则过着自己充满危机的生活。小葱，派人去叫大伯回来。洛基电影的第五集。自从上一集洛基（西尔维斯特•史泰龙 Sylvester Stallone 饰）击败了苏联的拳击机械人后，他决意归隐，从此过些安安乐乐的日子。阴险商人杜克（东尼•布顿 Tony Burton 饰）是拳击经理人，利用拳击手赚黑心钱，他高薪引诱洛基投到他门下，洛基不为所动，断然拒绝了他的邀请。 退隐后的洛基还是没有离开拳击，他的好友拳击教练米克死后留下了一座拳击训练馆，洛基继承了米克的事业，每天到拳击馆里训练新人。年轻拳手绰号“机枪”的涛米极具天分，洛基倾其所有传授米涛拳术，米涛在洛基的帮助很快就跻身了优秀拳手的行列。成名后的米涛被名声和金钱所蒙蔽，投到了杜克的帐下，成了杜克阴谋的一枚棋子。 怒不可遏的洛基决定用自己的手段拯救米涛！李敬文奇怪地顺着她目光对外一看，只见木槿栅栏外，立着个书生，正伸长脖子对院子里张望，见他看过去，还对他灿然一笑。