互联网理财系统的设计与实现

发布时间：2018-05-13 09:20

本文选题：互联网金融 + 理财　；参考：《北京交通大学》2017年硕士论文

【摘要】：经济迅速发展,居民收入大幅增加,以及金融工具的创新,让人们的理财理念和理财方式主键改变,个人理财市场需求越来越强烈,目前大多数理财产品集中在线下,而且其收益低、门槛高、灵活度低,与此同时,小微企业和个人贷款难的问题始终未得到有效的解决,融资困难重重。银行服务门槛较高,理财与贷款手续繁琐、流程复杂,让用户费时费心费力,而且金融服务并不到位,现有系统并未满足个人理财市场和小额贷款市场的巨大需求。伴随着互联网金融的快速崛起和迅猛发展,互联网理财系统应运而生,贷款和理财所面临的问题迎刃而解,本系统的设计和开发具有巨大的现实意义。作者通过调研当前理财市场发现了目前理财系统的不足之处,考虑现有的互联网技术和在线投融资的需求,设计了互联网理财系统。作者独立设计并实现了以下三个模块:(1)账户管理模块:用户可以使用注册登录、账户设置、投资管理、安全设置等功能;(2)贷款管理模块:业务部和风险部等部门对企业贷款项目就行审核,通过审核后正式发布项目,在用户进行投资的过程中,各部门进行项目管理,投资满标之后放款给贷款用户;(3)投资理财模块:用户可以查看可投资项目,包括项目信息、担保信息和已投资人,用户可以对项目进行投资。作者独立完成的主要工作如下所示:(1)系统需求分析,通过可行性研究确定了本系统开发的必要性,结合用户特征与市场特点,收集资料并进行合理分析,分析了系统的产品特点和用户特征,确定系统用例模型,阐述了项目的功能性需求和非功能性需求。(2)系统概要设计,依据系统的需求分析,设计系统的功能架构和技术实现架构,同时对系统的数据库进行设计。(3)系统详细设计、实现与测试,本文设计的互联网理财系统采用Groovy语言书写,使用模块化设计方案,提高本系统的灵活性和扩展性,依据系统需求分析以及系统概要设计,对系统各个模块进行详细设计并分别实现。搭建测试环境,对本系统进行功能测试和性能测试,确保系统的功能和性能达到要求。本系统上线后,有效解决了理财不方便和贷款难等问题,方便用户选择理财产品,合理投资理财,掌握资金动向,增加财富值;切实简化了贷款流程、贷款手续和贷款材料,方便用户进行小额贷款,有效解决短期资金短缺问题。本系统界面美观、操作简单、灵活实用、安全稳定,既满足了用户的在线投融资需求,又极大地提升了用户体验。
[Abstract]:With the rapid development of the economy, the substantial increase in residents' income, and the innovation of financial instruments, people's financial management concepts and methods have changed. The demand for personal financial management market is growing stronger and stronger. At present, most financial products are concentrated off the line. And its income is low, the threshold is high, the flexibility is low, at the same time, the small and micro enterprise and individual loan difficult problem has not been solved effectively, the financing difficulty is heavy. The banking service threshold is high, the financial management and loan procedures are cumbersome, the process is complicated, which makes the users time-consuming and laborious, and the financial services are not in place, the existing system does not meet the huge demand of personal finance market and micro-loan market. With the rapid rise and rapid development of Internet finance, the Internet financial management system emerges as the times require, and the problems faced by loan and financial management are solved easily. The design and development of this system has great practical significance. By investigating the current financial management market, the author finds out the shortcomings of the current financial management system, considers the existing Internet technology and the needs of online investment and financing, and designs the Internet financial management system. The author has designed and implemented the following three modules: the user can use the registration login, the account setup, the investment management, the following three modules: the user can use the registration login, the account setup, the investment management module. Loan management module: the departments of business department and risk department examine and verify the enterprise loan project. After the audit, the project is officially released. In the process of investment by the user, each department carries out project management. The user can view the investable project, including the project information, the guarantee information and the investor, and the user can invest in the project. The main work accomplished by the author is as follows: (1) system requirement analysis. Through feasibility study, the necessity of developing the system is determined. Combining with the characteristics of user and market, the author collects data and makes reasonable analysis. This paper analyzes the product characteristics and user characteristics of the system, determines the system use case model, expounds the system outline design of the functional and non-functional requirements of the project, and analyzes the system requirements according to the requirements of the system. At the same time, the database of the system is designed, implemented and tested in detail. The Internet financial management system designed in this paper is written in Groovy language, and the modular design scheme is used. To improve the flexibility and expansibility of the system, according to the system requirements analysis and system outline design, detailed design and implementation of each module of the system. Build the test environment, the system function test and performance test, to ensure the system function and performance meet the requirements. After the system goes online, it effectively solves the problems of inconvenient financing and difficult loans, facilitates users to choose financial management products, reasonably invests and finances, grasps the trend of funds, and increases the value of wealth, and effectively simplifies the loan process, loan procedures, and loan materials. It is convenient for users to make small loans and effectively solve the problem of short-term capital shortage. The interface of the system is beautiful, simple, flexible and practical, safe and stable, which not only meets the online investment and financing needs of users, but also greatly improves the user experience.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP311.52

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