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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.Discount: Unless otherwise specified, discount refers to the discount ratio or discount amount calculated by the seller on the basis of the original price or a certain price (such as brand counter price, commodity tag price, manufacturer's guidance price, manufacturer's suggested retail price); If you have any questions, you can contact the seller for consultation before purchasing.既然如此，儿也不多言了。一股新黑暗势力威胁到小马谷，六位小伙伴紫悦、苹果嘉儿、云宝、碧琪、柔柔和珍奇离开小马国踏上难忘之旅，在旅途中他们结交新朋友，遇到刺激的挑战，必须通过友谊的魔力拯救自己的家园。从隋朝建立开始，一直到隋的衰亡，李世民登上帝位，开创贞观之治为终，通过隋唐宫廷戏、李渊李世民为首的贵族英雄和瓦岗寨为代表的草莽英雄的战场戏、爱情戏三线交叉展开叙述。One-click installation is enough.London Taxi Driver's Brain//049