Point 2: look at the mortgage. The p2p platform is a credit loan or a mortgage. If it is a mortgage, it depends on what the mortgage is mainly, such as real estate, vehicles, etc., the loan risk of the mortgaged property is much smaller than the credit loan. If there is a risk, the company will sell the mortgage of the borrower to the investor. Wealth managers say that not only the collateral, but also the mortgage rate, which is the percentage of the value of the debt and the collateral. The mortgage rate is mainly to prevent the mortgage from not sufficient to cover the debt. If it is not, the risk of investment will increase and the situation of repeated mortgage will be avoided. Western economists further point out that the main factor that leads to the difference between trading costs in markets and businesses is the incompleteness of information. Because of the incompleteness of the information. Any party of a contract will be trying to collect, information and access to what they didn't have to monitor each other's behavior, and try to constraints, and afterwards to punish in advance of each other's default behavior and so on. All these practices produce transaction costs. As a result of these practices in the market and the enterprise can take different forms, so the corresponding transaction costs is not the same, in particular, under the condition of asymmetric information, in the process of market transactions, transaction cost, as a result of these practices are often very high. Therefore, through the organizational form of enterprises, some market transactions can be internalized to eliminate or reduce the high transaction costs generated by some market exchanges. Think the dissipative structure theory, the negative entropy is to maintain and develop dissipative structure in the process of ordering "power", only the negative entropy flow to the system input, to offset the internal entropy, generated by the block system to the direction of a disorderly change, in order to maintain and develop ordering movement of the system. Obviously, this view only looks at the ordering process of dissipative structure from the perspective of pure "energy exchange". However, the nature of the material in addition to the energy the most basic characteristics, but also has many other features, such as physical properties, chemical properties and biological characteristic, social characteristic, the information characteristics, the material properties of the energy as long as the organization and cooperate well, can be used to promote the human survival and development, to maintain and develop human ordering, played the same energy orderization and objectively, and can according to the main body of the objective need of ordering energy converted into a number of standards, the dissipative structure of the ordering process is not only determined by the energy exchange, must also be by "material exchange" and "information exchange". It can be seen that some non-energy forms of the generalized preordering energy can be attached to the ordering energy and indirectly affect the preordering degree of the dissipative structure. Cave although not directly provide food for animals, for example, energy, but it can be for animals from the cold in winter, make animals reduce body heat loss, and reduce the disease incidence and mortality of animals, the objective effect and reduce the loss of food energy, improve the body of food energy use efficiency. Obviously, these not energy in the form of "ordering energy" from the objective effect does play a orderization and energy is exactly the same effect, also can promote the development of the dissipative structure ordering, plays an alternative on features, compensation, strengthen, catalytic, extension, ordering the role of energy, is a kind of indirect power energy. On the basis of "dissipative structure theory", the concept of unified axiology is put forward. What should we do now, other than what we have achieved? The city of bentugon salvis, in the southwestern state of Rio grande do, has a reputation as the "capital of Brazilian wine" and has a history of almost 150 years. Nearly 85 per cent of Brazil's wine is produced in more than 700 vineyards, which have a total area of less than 400 square kilometres. The wine is fresh and balanced with cabernet sauvignon, merlot and chardonnay. How to create a more inclusive and fairer society for different creators? A study from PBS shows that diversity helps develop better products and systems.