本文關(guān)鍵詞： P2P 小額借貸 平臺設(shè)計　出處：《大連理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：P2P是一種非主控端維護的自發(fā)性網(wǎng)絡(luò)拓撲結(jié)構(gòu),作為民間小額借貸的業(yè)務(wù),這種結(jié)構(gòu)正好與其相吻合,可以通過民間獨立個人或組織進行直接溝通,從而進行點對點的資金拆解關(guān)系,而平臺自身不發(fā)生融資行為。也就是說這種小額借貸平臺為資金提供方與需求方之間搭建了一個相互交流的平臺。將基于P2P的民間借貸平臺作為一種微型金融工具在互聯(lián)網(wǎng)上迅速傳播,充分發(fā)揮網(wǎng)絡(luò)的低成本和民間借貸的靈活性,增加民間資本運作的透明度,為中小企業(yè)提供快捷服務(wù)的同時也從宏觀方面改善了當(dāng)前混亂的民間借貸市場,起到了雙重作用。本文將P2P網(wǎng)絡(luò)借貸平臺的系統(tǒng)開發(fā)以軟件工程的方法進行實施,通過對系統(tǒng)的技術(shù)分析、需求分析、系統(tǒng)設(shè)計與實現(xiàn)等方面進行了詳細闡述,對當(dāng)前P2P借貸平臺中的安全問題、業(yè)務(wù)流程以及系統(tǒng)開放性等方面進行了詳細的研究,為進一步擴大P2P借貸平臺的開發(fā)工作提供了一定的參考價值。 本文通過對國內(nèi)外以P2P為借貸平臺的研究現(xiàn)狀與應(yīng)用需求入手,對相關(guān)市場等情況與技術(shù)性問題展開深入研究,通過對P2P網(wǎng)絡(luò)借貸業(yè)務(wù)中的信譽擔(dān)保和聯(lián)保業(yè)務(wù)進行深入業(yè)務(wù)分析,并以此作為應(yīng)用需求進行系統(tǒng)設(shè)計。
[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.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：TP311.52;TP393.02

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