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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.　　老俩口这两个不着调的孩子，一个是物欲横流下一心要发财的小儿子国强，他做过很多生意，却从没见他赚过钱，老俩口为他至今为从暴君丈夫手中拯救万民、让自由重返大地，王后阿尔克墨涅祈神相助，结果她获赐与战神宙斯诞下半人半神的儿子海克力斯。真实身分成谜的他海克力斯被父王国王安菲达顿嫌弃，他的兄长依佛季斯王子反之被宠。Metallized hole/applause (applause)与男友分手后来到海边民宿治愈情伤的Sophie，卸载了所有社交软件，开始重启自己一团乱麻的生活，却因为意外险些溺水，恰巧被路过的Abi所救。Abi是一个一直自律生活的西餐厨师，还作为独立乐队的吉他手在舞台上大放异彩，事业处于上升期的她突然发现自己身患绝症，心灰意冷之下选择抛下一切恣意人生。两个内心迷茫的人因为疫情被迫共同生活在民宿，这场意外邂逅又会碰撞出怎样的火花呢？春秋战国时期，一位叫秦越人的医生，因医术高超，被百姓称做传说中的神医扁鹊。他本有一个幸福的家庭，但为了求得真正的医术，常年背井离乡周游列国于民间行医。