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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.PinLight小学生阿毛渴望着和蝴蝶一样自由地飞，却被沉重的分数压的恹恹的；大学生朱波热爱着一个美丽的女孩，却在象牙塔外强大的物质世界前灰心丧气。于是两个人走在一起，互相帮助，纯真的友谊擦亮了同一片天空, 深情的关爱拾起了各自的信心, 他们闯过了生活的关口，将飞得又高又远…搞笑的是，在现实中的演员们为了出演本剧，成为House团队（此处双关）的一员，也是竞争激烈。Shore 说：“我们挑选了许多演员来试镜，但是我们不能决定谁是最佳人选，最后我们决定采用选秀的方式，我们觉得House肯定会同意的。”在静冈县驹形大附属三岛佛教男子高校里，担任国文老师的原平助是一位普通男子，平日不擅长与女性相处，因14年前发生的某个事件，原平助对家乡抱持一份特殊的责任感。某日，电车上发生了女学生被偷拍骚扰的事件，东高的男学生被怀疑是偷拍者。原平助为了证明学生的清白，前往对方就读的圣三岛天主教女子高校欲解决事件，结果女校里性格直率的生活指导教师蜂矢里沙却让原平助碰了钉子。在整个AFL历史上最具挑战性的赛季之一中，跟随六支澳大利亚足球联赛球队的标志性AFL身份迈向2020年总决赛。The mother narrowly survived, but the innocent baby boy struggled for half a year and died six months later, ending his short life. According to the doctor's diagnosis, the injured baby boy suffered from brain hypoxia, and even if he was alive, he would only be a vegetable.