基于P2P的小额借贷融资平台的设计与实现

发布时间：2018-02-13 11:31

本文关键词： P2P 小额借贷平台设计　出处：《大连理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：P2P是一种非主控端维护的自发性网络拓扑结构,作为民间小额借贷的业务,这种结构正好与其相吻合,可以通过民间独立个人或组织进行直接沟通,从而进行点对点的资金拆解关系,而平台自身不发生融资行为。也就是说这种小额借贷平台为资金提供方与需求方之间搭建了一个相互交流的平台。将基于P2P的民间借贷平台作为一种微型金融工具在互联网上迅速传播,充分发挥网络的低成本和民间借贷的灵活性,增加民间资本运作的透明度,为中小企业提供快捷服务的同时也从宏观方面改善了当前混乱的民间借贷市场,起到了双重作用。本文将P2P网络借贷平台的系统开发以软件工程的方法进行实施,通过对系统的技术分析、需求分析、系统设计与实现等方面进行了详细阐述,对当前P2P借贷平台中的安全问题、业务流程以及系统开放性等方面进行了详细的研究,为进一步扩大P2P借贷平台的开发工作提供了一定的参考价值。本文通过对国内外以P2P为借贷平台的研究现状与应用需求入手,对相关市场等情况与技术性问题展开深入研究,通过对P2P网络借贷业务中的信誉担保和联保业务进行深入业务分析,并以此作为应用需求进行系统设计。
[Abstract]:P2P is a kind of spontaneous network topology maintained by non-master control terminal. As a private small loan business, this kind of structure coincides with it and can communicate directly through private independent individuals or organizations. In order to carry out the peer-to-peer capital dismantling relationship, The platform itself does not have financing behavior. That is to say, this microfinance platform provides a platform for the exchange of funds between the providers and the demand parties. The private lending platform based on P2P is regarded as a kind of micro-finance worker. Spread rapidly on the Internet, Give full play to the low cost of the network and the flexibility of private lending, increase the transparency of the operation of private capital, provide fast services to small and medium-sized enterprises, and at the same time improve the current chaotic private lending market at the macro level. In this paper, the system development of P2P network lending platform is implemented by the method of software engineering, and the technical analysis, requirement analysis, system design and implementation of the system are described in detail. This paper makes a detailed study on the security issues, business processes and system openness of P2P lending platform, which provides a certain reference value for further expanding the development of P2P lending platform. This paper starts with the research status and application demand of P2P as a lending platform at home and abroad, and carries out a deep research on the related market and technical problems. Through the in-depth analysis of the credit guarantee and the UNPROFOR business in the P2P network loan business, the system is designed as the application requirement.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：TP311.52;TP393.02

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