profiting from technological innovation 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. In addition to the formal "perfect" in the new classical market concept, the new classical theory has not added new meaning to the classical theory. That is to say, under the new classical "perfect" mathematical model under the skin, it is still classical free laissez-faire order, "new" is "new" in the form. And the form of depth at the expense of perfect at the expense of the thoughts, general equilibrium model of fine arbitrarily abstract away the activities of the "personal pursuit to satisfy desires to promote social welfare" logic support. The report also supports the government's plan to cut its annual budget deficit this year. But hey! Come on baby boomers' it isn't yet the end around the globe! . . Just widen your horizon and open your options! . . Don't you realize that using your $1,000 / month pension you'll be able to still need your 'dream retirement' in the tropics and live like a king? With that budget, you can rent an appropriate fully furnished 2 BR bungalow or 2 BR Apartment or Condo, with complete amenities! You can even possess a caregiver to look after you or perhaps a maid/servant to serve and allow you to doing household chores! You can shop the selection of food or dine in fine restaurants and definately will reside in a nice community and co-exist with the warm and hospitable 'locals' with a smile, who speak and understand a foreign language! Although interest rates are expected to rise further next year, savers should not expect higher interest rates from Banks, experts have suggested. 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.