The Research And Design Of P2P Lending Platform Based On Internet Finance

Peer-to-peer lending(P2P lending),refers to the investors who have capitals and the financing willingness to deal through a third party network platform,that is,lenders offer capitals through the network platform,and borrowers get money and pay interest through the network platform.During this course,platform agencies are responsible for investigating the borrower's solvency,capital repayment records,management level,historical reputation and so on in details,and charging account management fees and service charges,etc.Juxin financing guarantee Co.,Ltd,a professional enterprise engaged in all kinds of financing guarantee services,was established in 2013 with registered capital of 100 million RMB Yuan,lies in Weinan economic development zone.This enterprise specializes in financing guarantee businesses,including loan guarantee,bills acceptance and guarantee,trade financing guarantee,project financing guarantee and LC guarantee.The P2 P lending platform is a new kind of lending platform based on the internet,in essence,it is private lending with the help of internet.According to the present laws of China,P2 P deals will be legal as long as the interest rate offered by the platform is less than four times of bank interest rate in same period.The appearance of this lending platform is the inevitable result of the rapid development of network information and the third-party swift online payment in recent years.It not only diversifies the credit models,but also improves the circulation of smart capitals to higher investment income,which provides new financing channels to fund demander to a great extent.In 2015,Wei Nan Ju Xin Investment and Guarantee Company planned to bring in the internet finance and supply on line services for all existing financing businesses through a self-developed P2 P software platform—Fangno P2 P platform.As one of the system designer,I made the shop investigation and mastered the business processes in non-network mode,involved in designing and market demands analyzing,as well as programs work flow formulating and the market promoting.The core technology was refered to similar domestic mature project,and the fundamental structures and the on-line test for the borrowing platform was completed.With the help of the internet,P2 P lending completes the lending between person and person and makes up the service object absence in traditional financial services,integrates capital requirements and idle capital investment,satisfies the consumer shopping requirements and financing,loan demands of micro-sized,small-sized and medium-sized enterprises,and also fetchs up the inefficiency and slow process existing in traditional financial institutions.It also enables the lenders and borrowers to develop a relationship very quickly through the developed and efficient internet technology and enjoy the efficient and convenient services,as well as the rapid financing and high income brought by modern Internet+ age.Through analyzing and studying of the Internet lending industry at home and abroad,this paper adoptes matured P2 P lending platform design model and the current popular MVC design pattern,utilizes JSP program design that aims at this function demand,to build the system platform,it investigates the investor demands and borrower demands and adopts friendly interface design,in order to design a database that meets the system demand in logic.An initial model was designed for the whole system and tested,program bug was also searched to meet the requirements of the company and realize the overall system test,which could satisfy the needs of the company's business growth greatly in the future.