| Summary: | 碩士 === 大同大學 === 資訊經營學系(所) === 106 === In recent years, the rapid development of financial technology has led to the emergence of various P2P financial platforms at home and abroad, and the rise of P2P lending has made the relationship between people and borrowers closer. Traditional borrowing relies on financial institutions such as banks to make third-party guarantees and credit reviews. The P2P lending platform saves investment and lending thresholds by eliminating intermediate fees and management fees compared to traditional lending. The P2P lending platform seems to solve many of the problems of traditional lending, but it also undermines the stability of the market. The blockchain ensures that the data cannot be falsified in a decentralized and consensus mechanism and solves the problem of information asymmetry in the financial industry. The use of blockchain smart contracts in the P2P lending process can effectively manage the flow of funds and avoid the illegal operation of the lending platform. Even though smart contracts bring great convenience to the financial industry, smart contracts that require layers of inspection conditions cannot solve the problem of borrowers not repaying in the lending industry. This paper proposes a P2P lending platform based on blockchain smart contracts. By increasing the Proof-of-work of the blockchain technology, the reliability and security of P2P lending can be increased, which can effectively reduce risks. Cost, and redesigned the structure of the P2P lending platform, and joined the mechanism of digital asset collateral, so that smart contracts can effectively restrict borrower repayment problems.
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