From the outside people think we just throw loans up onthe website and people buy them, but on the inside there are credit models, pricing, complexity, bidding, APIs, and strategy.
从外面看，人们认为我们只是在网站上抛出贷款，让大家购买，但从里面来说，这里有信贷模式，定价，复杂性，招投标，应用程序接口和运营策略。
During buying through public bidding, sellers' pricing strategy is "the highest price possible to win the tender", which leaves little room for price cut under the thought of fluke.
在招标采购中，卖方的定价心理是“在低价中标的同时争取价格最高”，在只有一次出价机会的投标过程中必然导致侥幸取胜的行为，从而使降价空间缩小。
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