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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.正说着，在外面望风的一名军士跑了进来：黎指挥使，对面山上来一股敌人。范文轲听闻此事之后，很是恼怒，没想到溜了范紫，这万一要是出事情了，可关系到身家性命。圣诞节后，罗恩度过了一个并不愉快但却十分新奇的生日。这时，伏地魔出现了，这次他竟然杀死了海格的宠物阿拉格格，小伙伴们为这只蜘蛛举办了盛大的葬礼。蒲俊点头道：大王放心。《周六夜现场》（Saturday Night Live）是一个每周六深夜播出、60多分钟的美国综艺节目，以纽约市为拍摄地，自1975年10月11日由NBC播出，是美国电视史上最长寿的节目之一。每周都有不同的客座主持人与音乐来宾加入，与该节目的固定卡司一同演出。表演嘉宾会参与到小品的表演中，往往能让人看到该嘉宾不同的一面，并且这样的喜剧表演也是其演技的试金石。而音乐嘉宾通常是当下当红的歌星，会进行现场表演。它最大的特点是结合当下最热点话题，用恶搞的小品来针砭时事，可以视其为流行文化的一面镜子。由于播出时间段较晚，所以尺度相对一般美剧会稍微大一点，恶搞的笑料从来不缺乏话题。3. The word "long sound" refers to the sound of a flute lasting four to six seconds.