简介:摘要P2P是互联网金融的表现形式之一,它是由网络借贷平台为中介借款人在平台上发放借款信息,投资者自主选择向借款人放贷的行为。我国2007年引进该种模式,第一家P2P信贷公司拍拍贷成立,在十二月到年底,国家信用贷款的总量已经超过工业贸易总额约200亿元,其中排名前15名的P2P类网站的交易已经占据整个行业的45%左右,接近70亿元交易额,然而在2016年国内P2P网络借贷行业迎来了喷井式的增长。在2018年末借贷服务平台达到523家,可统计的平台线上累计交易额超过亿元,投资人达数十万,其中还有部分平台线下业务未被统计,若将该项计入统计,借贷规模还将急剧增大。在现今的P2P借贷行业也面临着风险控制的问题,本文对P2P模式的金融风险控制进行了研究。
简介:Apeer-to-peer(P2P)networkisadistributedapplicationarchitecturewhichprovidesmanyattractivefeatures,suchasavailability,self-organization,load-balancing,andanonymity.However,P2Pnetworkhascreatedsignificantproblemstonetworkoperatorsbygeneratinglargevolumesofinterautonomoussystem(inter-AS)traffic.FocusingontheBitTorrentswarmingprotocol,thispaperproposesanapproachwhichaimstoreduceP2Pgeneratedinter-AStraffic.Inparticular,theapproachcanreduceinter-AStrafficby50%to70%.Moreover,itcanimprovethedownloadingspeedby60%forthepopulartorrents.Theevaluationshowsthatcontrolledregional-basedcontentsreplicationcaneffectivelyachievethisgoal.Furthermore,theapproachisincrementallydeployable.NetworkregionsinwhichthesystemgetsdeployedcansolvetheirP2Pgeneratedinter-AStrafficproblemsautonomously,i.e.,withoutanyInternetserviceproviders-collaborationandanyrequirement,thesystemcanbedeployedintheentireInternet.