The Research And Design Of Small Loan Financing Platform Based On P2P

P2P is a kind of master terminal maintenance the spontaneity of a network topology, as civil small loan business, which happen to coincide with, and is communicating directly with the individuals or organizations through civil, allowing point-to-point dismantling of funds and financing acts in the platform itself. Which means this small loan financing platform provider and demand for funds to build a platform for mutual communication. The lending as a rapid build-up of the new financing, is a new trend for small loan-finance in the Internet age. P2P lending loan reviews of low cost, rely on the network in the network, borrowing a wide source, than the existing civil loan transparency is high,"time line of small, high frequency, with anxious" highlighting the advantages in financing, in part to ease the financing difficulty of the status quo. Therefore, based on borrowing patterns of SME financing on P2P networks, combining the P2P network problems in borrowing, will help to reduce the traditional sectors of asymmetric information in credit lending model into the network P2P lending platform for research, with a view to borrowing the innovative practice of P2P networks for SMEs with theoretical references.Firstly, from the development of P2P networks borrowing status, analyses the P2P lending market conditions and technical aspects of the network, through P2P networks in the lending business of credit guarantee and warranty service for in-depth business analysis, system design and application requirements.