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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.待业青年姜轶男性格乐观开朗，受学历所限，一直待业在家。一次偶然，他救起了落水女子陈欣悦，在对陈欣悦的好感以及徐昊宇的刺激下，姜轶男发愤图强，向陈欣悦所在的深原集团递交简历，借深原集团向社会公开招聘的契机，他凭借努力与应变，阴差阳错成为最受关注的新人，同时获得了陈欣悦的关注。徐昊宇不满姜轶男的“幸运”与乐观，处处与他作对，徐昊宇的女友梁定菲则对姜轶男产生了好奇。谁知姜轶男进入公司完全是由金总监的工作失误引起。金总监为了掩盖自己的失误，拉拢其他人屡屡排挤姜轶男，大家在深原集团内，上演了一幕幕啼笑皆非的情节，而姜轶男终于在种种经历中成长起来，在证明自我的同时，粉碎金总监出卖公司的阴谋，赢得了珍贵的爱情与友情。By function:Abstract public int calculation (int num1, int num2);想要在巨星姐姐面前证明自己的18线小演员上官娣娣，和多年期待真爱却在最后被狠狠出卖的空间站黑鸟面馆老板娘许春梅，当两个人的世界以想象不到的方式不期而遇，她们的命运会发生什么样的改变?我张家的子孙都不是孬种，肯定会崛起来的。