基于PHP的P2P网络借贷系统的设计与实现
发布时间：2018-09-19 15:55
【摘要】：近几年来,由于次贷危机伴随的全球经济下滑,使得从银行借贷变得更加不易,尤其是许多中小型企业和需要小额借款的人群,他们可能不具备银行审核所需要的严格条件,或是无法等待较长的借贷周期。而另一方面,随着经济发展,民间资金大量富集,有剩余资金的人,不满足银行存款较低的年化利率,同时不接受风险较高金融投资,于是他们需要一个合适的投资出口。此时,网络借贷平台就可以满足这两类人的需求。随着互联网不断的发展,实现这一目的技术手段已经成熟,传统的金融行业面临转型,如果与互联网结合,必将会有长足的发展。国内外也有非常多的网络借贷平台层出不穷。本文借鉴国内外较为成熟的网贷平台,使用PHP语言和MySQL数据库开发,参考根据本国使用者的实际需求,设计并建立了网络借贷平台。本系统由前端页面和后台管理两大部分组成,后台提供项目管理、用户管理、交易管理等功能。使用PHP为开发语言,ThinkPHP为开发框架,Bootstrap为前台开发框架。使用MySQL建立数据库。并进行了较为深入的用户研究和交互式设计,力图给使用者较好的用户体验,增加用户粘度。最后进行网络搜索优化,提高经济收益。本系统的设计采用低耦合的模块化开发,前端工程师和后台工程师可以共同作业,系统使用MVC模式,系统架构为B/S架构,操作系统为window7,开发工具为Zend。主要工作有：分析国内外网贷平台的模式；进行需求分析和交互设计,确定网站的主要功能；设计前台及后台操作界面,将功能分为不同模块,以便分配开发任务；代码实现,并进行了网站性能优化；软件测试,并修改出现的bug。
[Abstract]:In recent years, the global economic downturn that accompanied the subprime mortgage crisis has made it more difficult to borrow from banks, especially many small and medium-sized enterprises and those in need of small loans, who may not have the strict conditions required for bank vetting. Or unable to wait for a longer borrowing cycle. On the other hand, with the development of economy and the accumulation of private capital, the people who have surplus funds do not satisfy the lower annualized interest rate of bank deposits, and do not accept higher risk financial investment, so they need a suitable investment export. At this point, the network lending platform can meet the needs of these two types of people. With the continuous development of the Internet, the technical means to achieve this goal has matured, the traditional financial industry is facing the transformation, if combined with the Internet, there will be considerable development. At home and abroad, there are also a lot of network lending platforms emerge in endlessly. This paper draws lessons from the domestic and foreign mature network loan platform, uses PHP language and MySQL database to develop, and according to the actual needs of the domestic users, designs and establishes the network lending platform. The system consists of two parts: front-end page and background management. Backstage provides project management, user management, transaction management and other functions. Using PHP as the development language, think PHP as the development framework and bootstrap as the foreground development framework. Use MySQL to establish database. In order to give users a better user experience and increase user viscosity, in-depth user research and interactive design are carried out. Finally, network search optimization is carried out to improve economic benefits. The design of the system adopts low coupling modular development, front-end engineers and back-end engineers can work together, the system uses MVC mode, the system architecture is B / S architecture, and the operating system is window7, development tool for Zend.. The main work includes: analyzing the mode of domestic and foreign network loan platform; carrying on the requirement analysis and interactive design, determining the main function of the website; designing the foreground and backstage operation interface, dividing the function into different modules, in order to assign the development task; code realization, Website performance optimization, software testing, and modification of emerging bug.
【学位授予单位】：西安电子科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.52
本文编号：2250589
[Abstract]:In recent years, the global economic downturn that accompanied the subprime mortgage crisis has made it more difficult to borrow from banks, especially many small and medium-sized enterprises and those in need of small loans, who may not have the strict conditions required for bank vetting. Or unable to wait for a longer borrowing cycle. On the other hand, with the development of economy and the accumulation of private capital, the people who have surplus funds do not satisfy the lower annualized interest rate of bank deposits, and do not accept higher risk financial investment, so they need a suitable investment export. At this point, the network lending platform can meet the needs of these two types of people. With the continuous development of the Internet, the technical means to achieve this goal has matured, the traditional financial industry is facing the transformation, if combined with the Internet, there will be considerable development. At home and abroad, there are also a lot of network lending platforms emerge in endlessly. This paper draws lessons from the domestic and foreign mature network loan platform, uses PHP language and MySQL database to develop, and according to the actual needs of the domestic users, designs and establishes the network lending platform. The system consists of two parts: front-end page and background management. Backstage provides project management, user management, transaction management and other functions. Using PHP as the development language, think PHP as the development framework and bootstrap as the foreground development framework. Use MySQL to establish database. In order to give users a better user experience and increase user viscosity, in-depth user research and interactive design are carried out. Finally, network search optimization is carried out to improve economic benefits. The design of the system adopts low coupling modular development, front-end engineers and back-end engineers can work together, the system uses MVC mode, the system architecture is B / S architecture, and the operating system is window7, development tool for Zend.. The main work includes: analyzing the mode of domestic and foreign network loan platform; carrying on the requirement analysis and interactive design, determining the main function of the website; designing the foreground and backstage operation interface, dividing the function into different modules, in order to assign the development task; code realization, Website performance optimization, software testing, and modification of emerging bug.
【学位授予单位】：西安电子科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.52
【参考文献】
相关期刊论文 前1条
1 辛宪;;P2P运营模式探微[J];商场现代化;2009年21期
，本文编号：2250589
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