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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.Some people want to know the conclusion directly, then let me write down the direct conclusion of the damage threshold that I can think of at present. Of course, its application should not stop there.老实木讷的宅男级IT上班族大雄（何润东 饰）最近几天倒霉到极点，现实被富二代少女小爱（景甜 饰）的车门撞飞，而后被当作吃霸王餐的落跑者，没钱吃饭、工作被炒、桌球挨屠，总之可以想见的倒霉事他全部中招。不过他因此和小爱相识，还莫名其妙地成为了对方的奴隶。在小爱的张罗下，大雄找到一份新工作，却在上班时发现老板Emma竟和小爱长得一模一样。他的生活变得愈加有趣起来……　　《小鲤鱼历险记》讲述了一条名叫泡泡的平凡小鲤鱼，在他的家乡被癞皮蛇毁灭后，历尽了世间的艰险与磨难，锻炼出优秀品格，终于依靠自己坚定不移的信念，在小伙伴阿酷、小美美、双面龟等的帮助下，聚齐了五行龙鳞，最终飞跃龙门战胜了恶魔癞皮蛇，拯救鲤鱼湖、恢复了美好的家园，创造出不平凡业绩的故事。故事里面也有真善美假恶丑，但不再是从前那种导演与动画角色坐在玻璃盒子中对观众来进行直白说教，而是能Supplement: Use the "shadow instance" method to update the attributes of singleton objects synchronously.我观张家和郑家，与我等世家颇有不同：我等世家大族注重的名节，对张家来说，什么也不是。National Medical Security Bureau