本文選題：互聯(lián)網(wǎng)金融 + 理財(cái)　； 參考：《北京交通大學(xué)》2017年碩士論文

【摘要】：經(jīng)濟(jì)迅速發(fā)展,居民收入大幅增加,以及金融工具的創(chuàng)新,讓人們的理財(cái)理念和理財(cái)方式主鍵改變,個(gè)人理財(cái)市場(chǎng)需求越來越強(qiáng)烈,目前大多數(shù)理財(cái)產(chǎn)品集中在線下,而且其收益低、門檻高、靈活度低,與此同時(shí),小微企業(yè)和個(gè)人貸款難的問題始終未得到有效的解決,融資困難重重。銀行服務(wù)門檻較高,理財(cái)與貸款手續(xù)繁瑣、流程復(fù)雜,讓用戶費(fèi)時(shí)費(fèi)心費(fèi)力,而且金融服務(wù)并不到位,現(xiàn)有系統(tǒng)并未滿足個(gè)人理財(cái)市場(chǎng)和小額貸款市場(chǎng)的巨大需求。伴隨著互聯(lián)網(wǎng)金融的快速崛起和迅猛發(fā)展,互聯(lián)網(wǎng)理財(cái)系統(tǒng)應(yīng)運(yùn)而生,貸款和理財(cái)所面臨的問題迎刃而解,本系統(tǒng)的設(shè)計(jì)和開發(fā)具有巨大的現(xiàn)實(shí)意義。作者通過調(diào)研當(dāng)前理財(cái)市場(chǎng)發(fā)現(xiàn)了目前理財(cái)系統(tǒng)的不足之處,考慮現(xiàn)有的互聯(lián)網(wǎng)技術(shù)和在線投融資的需求,設(shè)計(jì)了互聯(lián)網(wǎng)理財(cái)系統(tǒng)。作者獨(dú)立設(shè)計(jì)并實(shí)現(xiàn)了以下三個(gè)模塊:(1)賬戶管理模塊:用戶可以使用注冊(cè)登錄、賬戶設(shè)置、投資管理、安全設(shè)置等功能;(2)貸款管理模塊:業(yè)務(wù)部和風(fēng)險(xiǎn)部等部門對(duì)企業(yè)貸款項(xiàng)目就行審核,通過審核后正式發(fā)布項(xiàng)目,在用戶進(jìn)行投資的過程中,各部門進(jìn)行項(xiàng)目管理,投資滿標(biāo)之后放款給貸款用戶;(3)投資理財(cái)模塊:用戶可以查看可投資項(xiàng)目,包括項(xiàng)目信息、擔(dān)保信息和已投資人,用戶可以對(duì)項(xiàng)目進(jìn)行投資。作者獨(dú)立完成的主要工作如下所示:(1)系統(tǒng)需求分析,通過可行性研究確定了本系統(tǒng)開發(fā)的必要性,結(jié)合用戶特征與市場(chǎng)特點(diǎn),收集資料并進(jìn)行合理分析,分析了系統(tǒng)的產(chǎn)品特點(diǎn)和用戶特征,確定系統(tǒng)用例模型,闡述了項(xiàng)目的功能性需求和非功能性需求。(2)系統(tǒng)概要設(shè)計(jì),依據(jù)系統(tǒng)的需求分析,設(shè)計(jì)系統(tǒng)的功能架構(gòu)和技術(shù)實(shí)現(xiàn)架構(gòu),同時(shí)對(duì)系統(tǒng)的數(shù)據(jù)庫進(jìn)行設(shè)計(jì)。(3)系統(tǒng)詳細(xì)設(shè)計(jì)、實(shí)現(xiàn)與測(cè)試,本文設(shè)計(jì)的互聯(lián)網(wǎng)理財(cái)系統(tǒng)采用Groovy語言書寫,使用模塊化設(shè)計(jì)方案,提高本系統(tǒng)的靈活性和擴(kuò)展性,依據(jù)系統(tǒng)需求分析以及系統(tǒng)概要設(shè)計(jì),對(duì)系統(tǒng)各個(gè)模塊進(jìn)行詳細(xì)設(shè)計(jì)并分別實(shí)現(xiàn)。搭建測(cè)試環(huán)境,對(duì)本系統(tǒng)進(jìn)行功能測(cè)試和性能測(cè)試,確保系統(tǒng)的功能和性能達(dá)到要求。本系統(tǒng)上線后,有效解決了理財(cái)不方便和貸款難等問題,方便用戶選擇理財(cái)產(chǎn)品,合理投資理財(cái),掌握資金動(dòng)向,增加財(cái)富值;切實(shí)簡(jiǎn)化了貸款流程、貸款手續(xù)和貸款材料,方便用戶進(jìn)行小額貸款,有效解決短期資金短缺問題。本系統(tǒng)界面美觀、操作簡(jiǎn)單、靈活實(shí)用、安全穩(wěn)定,既滿足了用戶的在線投融資需求,又極大地提升了用戶體驗(yàn)。
[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.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：TP311.52

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