本文選題：互聯(lián)網(wǎng)金融 + 理財�。� 參考：《北京交通大學》2017年碩士論文

【摘要】：經(jīng)濟迅速發(fā)展,居民收入大幅增加,以及金融工具的創(chuàng)新,讓人們的理財理念和理財方式主鍵改變,個人理財市場需求越來越強烈,目前大多數(shù)理財產(chǎn)品集中在線下,而且其收益低、門檻高、靈活度低,與此同時,小微企業(yè)和個人貸款難的問題始終未得到有效的解決,融資困難重重。銀行服務門檻較高,理財與貸款手續(xù)繁瑣、流程復雜,讓用戶費時費心費力,而且金融服務并不到位,現(xiàn)有系統(tǒng)并未滿足個人理財市場和小額貸款市場的巨大需求。伴隨著互聯(lián)網(wǎng)金融的快速崛起和迅猛發(fā)展,互聯(lián)網(wǎng)理財系統(tǒng)應運而生,貸款和理財所面臨的問題迎刃而解,本系統(tǒng)的設計和開發(fā)具有巨大的現(xiàn)實意義。作者通過調研當前理財市場發(fā)現(xiàn)了目前理財系統(tǒng)的不足之處,考慮現(xiàn)有的互聯(lián)網(wǎng)技術和在線投融資的需求,設計了互聯(lián)網(wǎng)理財系統(tǒng)。作者獨立設計并實現(xiàn)了以下三個模塊:(1)賬戶管理模塊:用戶可以使用注冊登錄、賬戶設置、投資管理、安全設置等功能;(2)貸款管理模塊:業(yè)務部和風險部等部門對企業(yè)貸款項目就行審核,通過審核后正式發(fā)布項目,在用戶進行投資的過程中,各部門進行項目管理,投資滿標之后放款給貸款用戶;(3)投資理財模塊:用戶可以查看可投資項目,包括項目信息、擔保信息和已投資人,用戶可以對項目進行投資。作者獨立完成的主要工作如下所示:(1)系統(tǒng)需求分析,通過可行性研究確定了本系統(tǒng)開發(fā)的必要性,結合用戶特征與市場特點,收集資料并進行合理分析,分析了系統(tǒng)的產(chǎn)品特點和用戶特征,確定系統(tǒng)用例模型,闡述了項目的功能性需求和非功能性需求。(2)系統(tǒng)概要設計,依據(jù)系統(tǒng)的需求分析,設計系統(tǒng)的功能架構和技術實現(xiàn)架構,同時對系統(tǒng)的數(shù)據(jù)庫進行設計。(3)系統(tǒng)詳細設計、實現(xiàn)與測試,本文設計的互聯(lián)網(wǎng)理財系統(tǒng)采用Groovy語言書寫,使用模塊化設計方案,提高本系統(tǒng)的靈活性和擴展性,依據(jù)系統(tǒng)需求分析以及系統(tǒng)概要設計,對系統(tǒng)各個模塊進行詳細設計并分別實現(xiàn)。搭建測試環(huán)境,對本系統(tǒng)進行功能測試和性能測試,確保系統(tǒng)的功能和性能達到要求。本系統(tǒng)上線后,有效解決了理財不方便和貸款難等問題,方便用戶選擇理財產(chǎn)品,合理投資理財,掌握資金動向,增加財富值;切實簡化了貸款流程、貸款手續(xù)和貸款材料,方便用戶進行小額貸款,有效解決短期資金短缺問題。本系統(tǒng)界面美觀、操作簡單、靈活實用、安全穩(wěn)定,既滿足了用戶的在線投融資需求,又極大地提升了用戶體驗。
[Abstract]:With the rapid development of the economy, the substantial increase in residents' income, and the innovation of financial instruments, people's financial management concepts and methods have changed. The demand for personal financial management market is growing stronger and stronger. At present, most financial products are concentrated off the line. And its income is low, the threshold is high, the flexibility is low, at the same time, the small and micro enterprise and individual loan difficult problem has not been solved effectively, the financing difficulty is heavy. The banking service threshold is high, the financial management and loan procedures are cumbersome, the process is complicated, which makes the users time-consuming and laborious, and the financial services are not in place, the existing system does not meet the huge demand of personal finance market and micro-loan market. With the rapid rise and rapid development of Internet finance, the Internet financial management system emerges as the times require, and the problems faced by loan and financial management are solved easily. The design and development of this system has great practical significance. By investigating the current financial management market, the author finds out the shortcomings of the current financial management system, considers the existing Internet technology and the needs of online investment and financing, and designs the Internet financial management system. The author has designed and implemented the following three modules: the user can use the registration login, the account setup, the investment management, the following three modules: the user can use the registration login, the account setup, the investment management module. Loan management module: the departments of business department and risk department examine and verify the enterprise loan project. After the audit, the project is officially released. In the process of investment by the user, each department carries out project management. The user can view the investable project, including the project information, the guarantee information and the investor, and the user can invest in the project. The main work accomplished by the author is as follows: (1) system requirement analysis. Through feasibility study, the necessity of developing the system is determined. Combining with the characteristics of user and market, the author collects data and makes reasonable analysis. This paper analyzes the product characteristics and user characteristics of the system, determines the system use case model, expounds the system outline design of the functional and non-functional requirements of the project, and analyzes the system requirements according to the requirements of the system. At the same time, the database of the system is designed, implemented and tested in detail. The Internet financial management system designed in this paper is written in Groovy language, and the modular design scheme is used. To improve the flexibility and expansibility of the system, according to the system requirements analysis and system outline design, detailed design and implementation of each module of the system. Build the test environment, the system function test and performance test, to ensure the system function and performance meet the requirements. After the system goes online, it effectively solves the problems of inconvenient financing and difficult loans, facilitates users to choose financial management products, reasonably invests and finances, grasps the trend of funds, and increases the value of wealth, and effectively simplifies the loan process, loan procedures, and loan materials. It is convenient for users to make small loans and effectively solve the problem of short-term capital shortage. The interface of the system is beautiful, simple, flexible and practical, safe and stable, which not only meets the online investment and financing needs of users, but also greatly improves the user experience.
【學位授予單位】：北京交通大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：TP311.52

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