A Consortium Blockchain Paradigm on Hyperledger-Based Peer-to-Peer Lending System

作     者：Xueyun Zeng Ninghua Hao Junchen Zheng Xuening Xu 

作者机构：School of Economics and Management Beijing University of Posts and Telecommunications 

出 版 物：《China Communications》 (中国通信（英文版）)

年 卷 期：2019年第16卷第8期

页      面：38-50页

核心收录：

学科分类：0809[工学-电子科学与技术（可授工学、理学学位）] 08[工学] 

基　　金：supported by the National Natural Science Foundation of China under Grant No.71872020 and No.71402008 the Corporate Finance and Innovation Development Research Center in BUPT 

主　　题：consortium blockchain hyperledger financial regulation peer-to-peer lending 

摘      要：This paper focuses on how to use consortium blockchain to improve the regulation of peer-to-peer(P2 P) lending market. The partial decentralized consortium blockchain with limited pre-set nodes can well improve transparency and security, which is suitable for financial regulation. Considering irregularities of the P2P lending market, the Hyperledger-based Peer-to-Peer Lending System(HyperP2PLS) is proposed. First elaborate the application scenario and business logic of the system, where a national P2P Lending Trading Center will be established to integrate all transactions and information of P2P lending market. Then construct the system architecture consisting of the blockchain network, HTTP server, and applications. The algorithm of implementation process and the web application for users have been well illustrated. The performance analysis shows that HyperP2PLS can guarantee the reliability, safety, transparency and efficiency.