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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.龙少玉是清雍正年间扬州富商龙五独子，天性好动，调皮捣蛋；又聪明伶俐，讨人喜爱。有个指腹为婚的媳妇红梅，虽然少玉一直都不愿意接受她做龙家媳妇，她仍对少玉一往情深，不断为少玉排难解纷，就像少玉的守护神一般。后邂逅两江总督之女李湘园，性格直率开朗的李湘园好打抱不平，对少玉一片真情数次利用自己的特殊身份帮少玉解危，无奈少玉之心另有所属。少玉对聂三阳明珠之女聂冰一见倾心，别有用心的万祈泰也对其痴心一片，让她无所适从，经历了一段复杂的恋情。少玉因误救洪天昭的父亲，而莫名其妙的成为天地会的堂主，而惨遭灭门，红梅拼死相救，并激发少玉重拾斗志，被聂三阳收为关门弟子，令少玉习练醉拳为死去的龙五报仇。最后少玉找到了自己的真爱。电视剧《五月花开》讲述了一个官场和商场的情感大战。本剧是由执导过多部经典热播影视佳作的著名导演苗月执导。主要围绕着榆州明德煤矿公司所展开的一场跌宕起伏的故事。著名演员吕一丁在剧中饰演一位大型企业煤矿老板宋明。他出生榆州从小受尽了艰难，慢慢通过自己的智慧开发家乡的资源造福了当地的人们，更加让自己的事业走向了成功。周爷爷，请相信晚辈一回，到时候，晚辈会将所有的缘故都和盘托出，那时候，周爷爷就能明白晚辈的苦心了。江成海语气笃定的说道：这会是毫无争议的，最好的武侠。那杂乱无章的葫芦丝声停了下来。