The Design And Implementation Of A P2P Micro-lending Information Platform

China's medium-sized enterprises(SMEs)and small(individuals),other agencies have always been facing financing difficulties and access to a serious shortage of financial services and other issues,SMEs in the development process of financial services,especially tremendous demand for funds.With the rapid advancement of network technology and application,a brand new network credit model has emerged.It is very competitive and has developed rapidly.As a result,small and medium-sized micro-enterprises are no longer dependent on traditional financing channels,also can solve its financing problem well.Building a good platform for lending P2P network to support loan-related business and information decision-making and management has become an important foundation for the current development of lending companies.This article elaborated China's P2P network credit information platform introduced from 2007 to present development course,present situation and its existing problems.Taking the actual market demand of domestic SMEs as the background and taking the current P2P microlending information platform development and operation of a financial conglomerate as an example,we have designed and completed a market-oriented system that is technically advanced,easy to operate,and safe and controllable P2P micro lending network information platform.This paper elaborates the market demand,background and significance of project establishment,demand analysis of platform system,platform system technology,system design and platform system implementation.It mainly introduces the overall structure of the platform,the connection and coordination between each function module and function module,the system workflow,the financing and investment behavior of investors and financiers,and the realization of each module function of the platform.Finally,the platform system including integration,Functions,performance,interface,installation and security aspects of a comprehensive test to verify that the system has basically achieved the platform business needs and planning and design content.The P2P lending network information platform developed in this paper provides great convenience for the management of the lending business of the financial enterprises,so as to make the lending business electronically integrated and the entire business process become more orderly,and the working efficiency of the financial enterprises is improved.