摘要:互联网金融整合信息优势、社交网络和第三方支付，有广泛的用户基础，有助于实现融资的民主化和金融的普惠性。其中，最具代表性的一种新型金融服务模式就是P2P模式，给传统金融格局带来了新的变化。目前，除了小贷公司和民间借贷为市场提供小额贷款的模式外，P2P网贷占据了重要的地位。相比较而言，一方面，网贷运营的成本远低于小贷公司；另一方面，其为无法提供担保、抵押的用户群体提供了便捷的融资渠道，最重要的是 P2P网贷由于借助网络突破了时空的限制，在规模上的发展空间远大于以自有资本放贷的小贷公司。而相对于传统的民间借贷，P2P网贷消除了向亲朋好友借款时不好意思的尴尬，并且高度分散化的投资方式使得即便发生信用风险也不至于对贷款人构成太大的影响。通过互联网把更多的用户直接对接，是一个金融去中介化的过程。未来 P2P 平台可能会与第三方支付公司联合，建立完整的支付体系，成为一个互联网端可以实现的借、贷的银行业务。

本系统的中融资产品模块主要实现融资产品管理和在线申请管理的功能，新闻模块主要实现了新闻的增删改查的功能，元数据管理模块主要融资产品类型管理和贷款周期管理的功能，企业管理模块主要实现了企业管理和企业报表的功能。

毕业论文关键词：互联网金融，P2P , Ajax , MVC , MySQL , JSP

Abstract :The integration of Internet financial data information superiority, social networks and third party payment, has a broad mass base, contribute to the realization of financing and the democratization of Finance inclusive。 One of the most representative of a new financial services model is the P2P model, to the traditional financial pattern has brought new changes。 At present, in addition to P2P net loan to provide small loans to the market model, small loan companies and private lending occupy an important position。 In comparison, on the one hand, net loan operation cost is far lower than the small loan companies, on the other hand, it is unable to provide the guarantee, mortgage groups provide convenient financing channels, the most important is the P2P net loan due to the help of network exceeded the time limit, the development of space in the scale is much larger than its capital lending of small loan companies。 Compared with the traditional private lending,P2P net loan to eliminate the loan to relatives and friends Want embarrassment still rest, and the highly persified investment so that even in the event of credit risk nor as much impact on the lender。 Through the Internet to more users (financial and lenders) direct docking, is a financial disintermediation and intermediary process。 At the same time will improve the account system, the future P2P platform may will and third-party payment companies jointly, establish complete payment system, become an internet terminal can realize the borrow and loan, the department of the bank's business。

Financing products modules in this system  can realize the function of financing product management and online application management, news module mainly realizes the news to add and delete functions, metadata management module mainly financing product type management and loan cycle management function, enterprise management module mainly realized the function of enterprise management and reporting。

Keywords : Internet Banking , P2P , Ajax , MVC , MySQL, JSP

目录

1、 引言 6

1。1 课题研究的目的与意义 6

1。2 主要研究内容 6

2、需求分析 7

2。1 系统概述 7

2。2 业务需求分析