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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.Meng Xin, I didn't understand it very well. Can I understand it as the stars in the first and middle stages, the attack set + critical strike set is the best, and the later explosive injury set + critical strike set is the best. . . High-strength newcomers will not pursue, just seek star suits without detours.黑豹（邓光荣）是一名用高额金钱便可请得到而从未失手的职业侠盗。某夜，黑豹受政府内政部要员秋Sir（黄锦燊）重金邀请，偷取一个“银盒”，以试新装之保安系统。黑豹于是找来一班各有特殊技能的人来帮手，分别是嘉嘉（吴家丽）、孟波辉（梁家辉）、程仁（任达华）、Robert（张卫健）及黑豹的师妹青青（林青霞）。这部剧情类剧集记录了恶名昭彰的墨西哥毒枭“矮子”华金·古斯曼崛起、被捕和逃脱的真实故事。= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =《风中的女王》是由哥伦比亚广播公司制作并在美国CW电视台播出的一部宫廷爱情电视剧。故事讲述的是一段苏格兰女王——玛丽女王的发迹秘史。15岁的她与四个闺蜜来到法国，她与弗朗西斯王子订婚；她的四个好朋友成了她的女侍臣，但是她从此陷入到了法国宫廷内权力争斗、阴谋和谎言的漩涡之中。在强敌、黑暗力量和性丑闻笼罩的法国宫廷里，玛丽和她的好友将运用力量和智慧一步步走向权利的巅峰。一九四一年冬，硝烟不散的上海和重庆，陈山被迫卷入风起云涌的谍海漩涡中，他经历与同胞并肩作战，与日谍殊死搏杀，最终一步步成长为坚强勇敢的爱国战士，用热血和青春，在烽烟中砥砺前行！