基于MVC的P2P网络借贷系统的设计与实现

发布时间：2018-07-09 18:37

本文选题：P2P网络借贷 + MVC模式　；参考：《北京交通大学》2017年硕士论文

【摘要】：近年来,由于实体经济的下滑使得人们从银行借贷变得很不容易,尤其是对于需要贷款的中小型企业和个人,传统的借贷方式已经无法满足他们的需求。随着互联网第三方支付的飞速发展,P2P网络借贷作为互联网金融的重要手段之一应运而生。本文阐述的百事贷系统就是众多P2P网络借贷系统之一。本系统开发的主要目的是为需要借款的企业和个人提供一个借款平台,同时为大量民间富裕资金提供一个合适的投资平台。百事贷系统基于MVC模式进行设计,采用B/S架构,使用Apache Tomcat作为服务器,Java作为开发语言,MySQL作为数据库,数据持久层框架选用Mybatis。本人在系统中主要负责系统部分功能模块的实现,包括用户借款模块、用户贷款模块、账户信息模块、借贷管理模块、后台交易结算模块和系统管理模块。其中用户借款模块负责用户的个人用户借款和企业用户借款功能;用户贷款模块负责用户的项目投资和债权购买功能;账户信息模块负责用户的基本信息查询、银行卡绑定、百宝箱等功能;借贷管理模块负责管理员对前台用户实名认证、手机认证、邮箱认证、基本信息认证、企业担保信息认证以及用户借贷申请信息的审核;后台交易结算模块为管理员提供了在用户进行还款、债权购买、项目投资等操作时资金变更情况的管理;系统管理模块负责对管理员权限的增加、修改、删除和查询以及后台各种参数的管理,包括借款利率、逾期还款利率、积分参数等。最后,本人还对项目进行测试,做出总结和展望。百事贷系统已经出售给多家公司,包括国美金融在内的理财公司都已正式上线运营。系统满足了广大个人用户和中小企业的借款需求,与此同时,借款人的还款业务和投资人的收益也在正常进行,整个借贷流程顺利完成。百事贷系统还会根据系统需要和用户需求不断升级,努力为借贷双方提供优质的服务。
[Abstract]:In recent years, the decline of the real economy makes it difficult for people to borrow from banks. Especially for small and medium-sized enterprises and individuals who need loans, the traditional way of lending has been unable to meet their needs. With the rapid development of third-party payment on the Internet, P2P network lending as an important means of Internet finance came into being. Pepsi loan system described in this paper is one of many P2P network lending systems. The main purpose of this system is to provide a borrowing platform for enterprises and individuals who need to borrow money, and a suitable investment platform for a large number of private wealthy funds. PepsiCo loan system is designed on the basis of MVC pattern, using B / S architecture, Apache Tomcat as server and Apache as database, and data persistence layer framework as Mybatis. I am mainly responsible for the implementation of some functional modules in the system, including user loan module, account information module, loan management module, background transaction settlement module and system management module. The user loan module is responsible for the individual user borrowing and the enterprise user borrowing function; the user loan module is responsible for the user's project investment and creditor's rights purchase function; the account information module is responsible for the user's basic information query, the bank card binding, The loan management module is responsible for the administrator's verification of the real name authentication, mobile phone authentication, email authentication, basic information authentication, enterprise guarantee information authentication and user loan application information. The back-end transaction settlement module provides the administrator with the management of the change of funds during the operation of the user's repayment, purchase of creditor's rights, project investment, etc. The system management module is responsible for the increase and modification of the administrator's authority. Delete and query as well as backstage management of various parameters, including loan rates, overdue repayment rates, integral parameters, etc. Finally, I also test the project, make a summary and prospects. PepsiCo loan system has been sold to a number of companies, including Gome Financial, including wealth management companies are officially operational. The system meets the borrowing needs of the vast number of individual users and small and medium-sized enterprises. At the same time, the repayment business of the borrower and the income of the investors are also carried out normally, and the whole lending process is completed smoothly. PepsiCo's loan system will also be upgraded to meet the needs of the system and users, and strive to provide quality services to both lenders and borrowers.
【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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