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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.发布会上除了那些在启明挖走的作者，还有好几个武侠名家出场，他们也将在星海上连载小说。剧照　　中共地下党组织制定了周密的策反计划，军法处长是国民党安排的特务，挟持舰长必须执行海军桂总司令命令，否则随时炸毁军舰和全舰官兵。全片共四集，分别为《立国之本》《强国基业》《春风化雨》《面向未来》，以鲜活的人物、故事化的手法，串联起中国教育扎实前行的足迹，全面讲述了新中国成立70年来，党和政府始终坚持教育优先发展战略，坚持把教育作为重要的民生工程，以建设教育强国、办好人民满意的教育为目标，从学前教育到高等教育等各个领域作出的不懈努力和探索创新。是的，当初自诩天下第一聪明人的小鱼儿已经不复存在，现在只有一个戏班子中任劳任怨的小呆。《企鹅家族》教给少年儿童们一些人生的必修课，每一集都在试图向年轻的观众们强调相互合作的好处和良好行为的重要性，以及贪心、嘲弄和不守规矩所带来的不良后果。这部动画片已经相继在全世界150多个国家播出，而这只名叫Pingu的卡通企鹅在许多国家被作为联合国儿童基金会的形象大使。