Point 3: look at the process. The trust process of p2p platform is not strict, including the borrower's identity review, professional evaluation investigation, comprehensive audit risk, mortgage notarization, etc. 5. Accounting earnings depend on the reasonable proportion of income and expenses during the period. Costs that are not associated with the current period should be incurred as assets to be transferred for later periods. Value theory of the many contradictions and arguments, essentially derives from the different definitions of value, originated in the people for the different understanding of the concept of value, value, from the perspective of physics can put the theory of value based on the foundation of natural science, with a high degree of accuracy, objectivity and rationality, so that the value theory of widespread vagueness, subjectivity and ambiguity naturally are addressed. As social things all the movement and the change of value relation is in essence the motion and change, so the value theory is the foundation of social science theory, if the value theory is built on the basis of natural science, can greatly promote the fusion and unity of the social science and natural science, but also make the social science become subservient to the natural sciences. Under the theoretical framework of the theory, the theory of commodity market equilibrium and the monetary market equilibrium of Keynesian theory are unified. Marx's theory of interest rate decisions from the perspective of the source and essence of interest, taking into account the institutional factors in the role of interest rate decisions of interest theory, its theoretical core is the interest rate is determined by the average profit margin. Marx believed that under capitalism, interest is a part of profit and a form of conversion of surplus value. So we see Italian Banks being attacked for dealing with the country's banking crisis. We heard the bank of England's criticism that it was worried about the macroeconomic impact of brexit. We believe that US President Donald Trump intends to include the Federal Reserve in the political commission. The earliest efforts were made in the areas of canning, Alexandria, munez and spaurous.