| Summary: | 碩士 === 國立政治大學 === 資訊科學系碩士在職專班 === 106 === Financial technology (also known as FinTech) refers to an economic industry in which enterprises use technology to make financial services more efficient. The financial business has developed for a long time in the past 600 years, but not all people can get financial services smoothly, or some of the capital needs can not get financial services; at this time, Peer-To-Peer Lending can be completed through the online lending platform. In this regard, the Internet lending platform has flourished around the world since 2005. However, due to the problem of centralized management, online lending platforms are prone to self-stealing and cause the platform to close down.
In 2008, Nakamoto deployed bitcoin's original reference implementation. In 2014, Vitalik Buterin founded Ethereum. The blockchain used by the bottom layer can provide a decentralized network architecture, smart contracts to provide perform guarantees, etc., which can complement the network. The problems currently encountered by the lending platform. This study uses the Ethereum blockchain and smart contract implementation Peer-toPeer lending platform to explore issues related to blockchain applications.
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