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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.紫云乡首富郑维新为大儿子郑天峰筹备婚礼时，新娘子凤儿跟牛儿逃婚了。郑家要将牛儿处以“点天灯”的极刑。凤儿拼死一搏保护牛儿，郑天峰为了保全凤儿性命放过了他俩，并开始了报复。困境中牛儿毅然决然参加了红军。凤儿怀孕了，郑天峰宣告孩子是自己的。他用这种方式逼凤儿回到自己身边，郑维新杀死了牛儿的父母。将凤儿嫁给了花子憨。故事叙述一名对人和灵都和蔼可亲、拥有超强灵感的天然呆少女天海响，她不仅时常会遭遇灵异现象，甚至还能跟灵泡茶闲聊，所发生的日常。风景秀丽的海滨小镇汉普顿，是一个为蔚蓝大海所包围的权贵聚集区。觥筹交错，纸醉金迷，莺歌燕语，上流社会的人们沉湎在看似永无止境的富足快乐氛围中，殊不知危险将近。美丽女孩艾米丽·索恩（艾米丽·范坎普 Emily Van Camp 饰）租下一幢靠海的房子，这里似乎充满了其儿时的记忆，只是记忆中多了几分伤感与痛苦。不久，艾米丽结识了帅气的丹尼尔（乔舒华·鲍曼 Joshua Bowman 饰），格雷森家族的公子，其母亲维多利亚（玛德琳·斯托 Madeleine Stowe 饰）即是家族内当之无愧的领导者，也是汉普顿众所瞩目的风云人物。艾米丽有条不紊地融入格雷森家族，展开了一段绵亘十七年之久的血腥复仇……Dark Elves: Luxe, Clent, Kakun, Saran, Maya, Sharplon, Morgan of Resentment温声道：你认得我？小娃儿愣了一下，哼了一声道：你才比不上我大哥好看哩。