【摘要】：近幾年來,由于次貸危機伴隨的全球經(jīng)濟下滑,使得從銀行借貸變得更加不易,尤其是許多中小型企業(yè)和需要小額借款的人群,他們可能不具備銀行審核所需要的嚴(yán)格條件,或是無法等待較長的借貸周期。而另一方面,隨著經(jīng)濟發(fā)展,民間資金大量富集,有剩余資金的人,不滿足銀行存款較低的年化利率,同時不接受風(fēng)險較高金融投資,于是他們需要一個合適的投資出口。此時,網(wǎng)絡(luò)借貸平臺就可以滿足這兩類人的需求。隨著互聯(lián)網(wǎng)不斷的發(fā)展,實現(xiàn)這一目的技術(shù)手段已經(jīng)成熟,傳統(tǒng)的金融行業(yè)面臨轉(zhuǎn)型,如果與互聯(lián)網(wǎng)結(jié)合,必將會有長足的發(fā)展。國內(nèi)外也有非常多的網(wǎng)絡(luò)借貸平臺層出不窮。本文借鑒國內(nèi)外較為成熟的網(wǎng)貸平臺,使用PHP語言和MySQL數(shù)據(jù)庫開發(fā),參考根據(jù)本國使用者的實際需求,設(shè)計并建立了網(wǎng)絡(luò)借貸平臺。本系統(tǒng)由前端頁面和后臺管理兩大部分組成,后臺提供項目管理、用戶管理、交易管理等功能。使用PHP為開發(fā)語言,ThinkPHP為開發(fā)框架,Bootstrap為前臺開發(fā)框架。使用MySQL建立數(shù)據(jù)庫。并進(jìn)行了較為深入的用戶研究和交互式設(shè)計,力圖給使用者較好的用戶體驗,增加用戶粘度。最后進(jìn)行網(wǎng)絡(luò)搜索優(yōu)化,提高經(jīng)濟收益。本系統(tǒng)的設(shè)計采用低耦合的模塊化開發(fā),前端工程師和后臺工程師可以共同作業(yè),系統(tǒng)使用MVC模式,系統(tǒng)架構(gòu)為B/S架構(gòu),操作系統(tǒng)為window7,開發(fā)工具為Zend。主要工作有：分析國內(nèi)外網(wǎng)貸平臺的模式；進(jìn)行需求分析和交互設(shè)計,確定網(wǎng)站的主要功能；設(shè)計前臺及后臺操作界面,將功能分為不同模塊,以便分配開發(fā)任務(wù)；代碼實現(xiàn),并進(jìn)行了網(wǎng)站性能優(yōu)化；軟件測試,并修改出現(xiàn)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.
【學(xué)位授予單位】：西安電子科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：TP311.52

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本文編號：2250589