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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.某社团老大乘车夜归途中遭人枪杀，凶手不知去向。该社团围绕继承人问题展开争论，为避免出现分裂与争执，社团元老马公（午马 饰）与王律师（黄霑 饰）商议，委托老大之名指定正直勤奋的阿修（李修贤 饰）为帮会继承人。该剧以解放祖国大西南为历史背景，通过对云贵川渝解放过程的重点描写，生动的再现解放战争时期国共双方在军事、政治、经济等战线的殊死较量，全方位实时性地再现了中国人民解放军解放大西南的辉煌历程。全剧采取主旋律的基调和大写意的手法，真实再现了以毛泽东为代表的老一辈无产阶级革命家运筹帷幄、决胜千里的伟大战争艺术；再现了人民解放军势如破竹地席卷以蒋介石为代表的国民党腐败政府和90余万军队的惊心动魄过程。Charm 1: 1-50和史努比一起飞上太空，看它如何实现梦想成为美国航空航天局的宇航员！史努比将负责指挥国际空间站，并与查理·布朗和《花生漫画》的其他的好伙伴，一同探索月球和浩瀚无限的宇宙。文长，你不觉得眼前的美景很伟大么？杨长帆张臂四望，这个世界是如此之新。徐坦性格腼腆，从小在热爱乒乓的爷爷影响下，为强身健体开始学习乒乓球，后在面临离开乒乓球时被伯乐发现，通过严格的技术、体能及心理指导，最终克服种种苦难与压力，成为队里技术最全面、最令人信赖的绝对主力。于克南性格桀骜不训，从小跟随前乒乓国手父亲学习打球，自小立志成为世界冠军，在乒乓道路上始终高歌猛进，自信又骄傲，被认为是天才型球员。两人一同成长，剧集选取徐坦和于克南为主要切入点，照见一代运动少年以热血和拼搏为主基调的钢铁青春。徐坦作为“成长型选手”，屡败屡战不被看好，却能顶住压力，奋力生长；少年之“刚”，在义无反顾，“天才少年”是褒奖也是负累，于克南却可不顾外界流言，一往无前；少年之“刚”，在利刃出鞘，以徐坦和于克南为代表的运动员们，在赛场上挥洒汗水，全力迎战。