What is p2p online loan? What are the solutions for p2p website construction?
Source: Shangpin China |
Type: website encyclopedia |
Time: March 30, 2015
People familiar with Internet finance have all heard of the industry of peer-to-peer online lending, and even some people have been exposed to this kind of financial management. Through the Internet, we can easily find that there are many negative news in today's peer-to-peer online lending industry. Due to the vacuum period of supervision, many lawbreakers are bluffing around under the banner of peer-to-peer online lending, and some people have no idea what online lending means, So that they often step on the thunder. 1、 Next, Shangpin China Beijing website construction The company will tell you what a small p2p online loan is? P2P network borrowing. P2P is the abbreviation of "person to person", which means "individual to individual". Internet credit originated in the United Kingdom, and then developed to the United States, Germany and other countries. Its typical model is: Internet credit companies provide a platform, and borrowers and lenders compete freely to make deals. The fund lender obtains interest income and bears risks; When the borrower of funds repays the principal at maturity, the network credit company charges intermediary service fees. In China, the earliest P2P online loan platform was established in 2006. In the following years, domestic online loan platforms were still rare, and few entrepreneurs were involved in them. It was not until 2010 that online loan platform was favored by many entrepreneurs, and some water testers began to appear. In 2011, the online loan platform entered a period of rapid development, and a number of online loan platforms were actively launched. In 2012, China's online lending platforms entered an outbreak period, and online lending platforms have sprung up, with about 400 active ones. So far, China's online lending platforms have grown to more than 2000. Whether there is risk in online loan Any investment is accompanied by risks. It has always been an iron law of finance since its debut. It is impossible to say that p2p online lending is risk-free. It is just that platforms that don't make sense have different risk controls. The risks that investors have to bear are also based on the platform's qualifications. Previously, p2p online lending has always been based on credit loans, that is, A person's credit determines the risk of his loan. However, since p2p online lending was introduced into China, it has been improved. Some platforms, such as "Xiaocai Financial Network", have added more perfect capital security mechanisms, such as real estate mortgage, third-party guarantee, etc. Therefore, the risk is highly protected, but it is definitely not zero risk. Operation mode of p2p online loan
matters needing attention Investment is risky, so the review should be careful. Choosing qualified platforms for investment is the key to controlling risks. 2、 P2p website construction solution
1. Introduction to P2P online lending platform P2P online lending platform refers to a financial service website that combines P2P lending and online lending. During the lending process, data, funds, contracts, procedures, etc. are all realized through the network, which is the development trend of financial services in the future. 2. Overall system design We have designed the overall logical architecture of this project, as shown below:
P2P topology 2.1 Front office management Front office management includes website homepage, I want to invest, I want to borrow, my account, member community, online loan tool, help center and About Us module. 2.1.1 Website homepage The homepage of the website is used to display the overall information of the website. Users can learn about the website by visiting the homepage of the website. The module includes the following parts: (1) Home Page The home page is the front entrance of P2P online loan system. The home page interface includes member login, loan information list in progress, latest announcement, fast loan application channel, successful loan projects, overdue loan projects, and news center. 1) The member login module is used for the login operation of registered members, and the registration of new members can also be carried out in this module. At the time of registration, any user can simply register by email, and log in as a member of the website after entering the email to activate. However, at this time, the user's initial loan credit limit is 0 ￥, which actually does not meet the loan conditions and cannot borrow money. To obtain a credit limit and apply for a loan, you must pass the next offline user authentication. 2) The ongoing loan information list module is used to display the ongoing loan information of users in the system; 3) The latest announcement module is used to display the latest announcement information in the system; 4) The quick loan application channel is used for users to quickly create loan information; 5) Successful loan items are used to display successful loan cases in the system; 6) The overdue loan item is used to display the overdue loan information in the system; 7) The News Center module is used to display the news information of the website. The home page also includes the fast track of the website: beginners, I want to invest, I want to loan, security system, and about us. Users can register for free through the novice entry channel, view my online loans, and view how to lend and how to borrow information. I want to invest in channels that can browse loans, automatically bid and become a VIP member. I want the loan channel to allow users to release loans, carry out excessive and ultrafast loans, and authenticate integrity. Security system channels include property mortgage, collateral insurance, fund custody/security certification and principal/interest compensation. About our channel is used for users to view website information, including about us, licenses and qualifications, and consultant team. (2) Tariff description The tariff description module is used to introduce the tariff description of the website, including the preferential activities of the website and the charging of some business handling. (3) Policies and regulations This module is used to introduce some policies and regulations, such as interest rates and guarantees. (4) Industry News This module is used to display news information of the same industry. (5) Website Announcement This module is used to display the announcements, notices and other information in the website.
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