而也有其他一些平台采取竞价拍卖的方式，贷款在一定时间内接受投标。
The loan is then originated. Others USES an auction process where the listing is open for bidding for a set time.
任何用户都可以为拍卖创建一个投标，拍卖的所有者可以接受或拒绝任何投标。
Any user can create a bid for an auction and the owner of the auction may accept or reject any bid.
一个投标被请求，一个投标被接受。
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