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    政大機構典藏 > 商學院 > 資訊管理學系 > 學位論文 >  Item 140.119/119089
    Please use this identifier to cite or link to this item: http://nccur.lib.nccu.edu.tw/handle/140.119/119089


    Title: 以智能合約實現同儕借貸支付之研究
    A Study on Peer to Peer lending and payment ——using Smart Contract
    Authors: 黃俊閔
    Huang, Chun-Min
    Contributors: 楊建民
    洪為璽

    Yang, Jiann-Min
    Hung, Wei-Hsi

    黃俊閔
    Huang, Chun-Min
    Keywords: 區塊鏈
    智能合約
    去中心化支付
    點對點借貸
    Blockchain
    Smart contract
    Decentralized payments
    Peer-to-Peer lending
    Date: 2018
    Issue Date: 2018-07-31 13:45:17 (UTC+8)
    Abstract:   支付及借貸無時無刻存在我們的生活當中,而網路的興起使得借貸及支付的需求容易被解決,即是點對點借貸及第三方支付等交易方式,這些支付模式對於使用者來說十分便利,但也有著許多風險,如:過度中心化、資訊不對稱與資訊安全等問題。

      因此本研究將探討第三方支付及點對點借貸模型之缺陷,利用區塊鏈資訊透明、不可篡改、不可否認、可溯源的特性,透過智能合約程式的自動執行、模擬狀態的型態來進行流程管理,加上任何人皆需使用自己的地址透過錢包進行合約的操作與執行來進行權限管理,以及合約內定義函式可隨時間點依序執行等特點;將以上所述之智能合約特性與現有的點對點借貸及第三方支付流程整合,實作出一交易數位商品之借貸支付智能合約模型,並於以太坊區塊鏈中的Ropsten測試鏈環境部署並操作智能合約,以虛擬三方利害關係人模擬此去中心化的交易模式。

      實驗結果驗證了此智能合約模型的可行性,參與此模型之利害關係人所進行的操作不需要第三方或仲裁者來介入交易流程,所有執行之結果皆會成為一筆交易紀錄永久存於區塊鏈網路中,且無法竄改;因此本研究模型對現有借貸及支付等交易模式的監管有一定程度上的改善。
    Payments and lending exist in our lives all the time, and the rise of the Internet makes the demand for payment and lending easy to solve, that is, peer-to-peer lending and third-party payment. These payment models are very convenient for users, but there are also many risks, such as centralization, information asymmetry and information security.

    Therefore, this study will discuss the shortcomings of third-party payment and peer-to-peer lending models, and using blockchain technology and smart contract to integrate peer-to-peer lending and third-party payment models. Implementing a smart contract model for trading digital goods. Then deploying and executing smart contract in the Ropsten testnet for simulating this model with virtual three-party stakeholders.

    The result verifies the feasibility of this model. The operations of the stakeholders involved do not require third parties or arbiters to intervene in all transaction process. And the results of all executions will become a transaction record permanently in the blockchain and never been tampered .Therefore, this research model has some improvement on the supervision of existing lending and payment transaction models.

    Keyword:Blockchain, Smart Contract, Decentralized Payment, Peer-to-Peer Lending
    Reference: 中文文獻
    朱芷嫻,2017,支付創新架構之研究。碩士論文。政治大學資訊管理研究所。臺北市。
    吳碩宸,2015,國際電子商務趨勢與第三方支付在中國的實踐,國立中山大學中國與亞太區域研究所碩士論文。高雄市。
    何志強, 崔新會, & 安文廣. (2009). 網絡條件下的金融業務風險及對策. 金融教學與研究, 2009(1), 45-46.
    林展民,2016,以智能合約實現快速醫療保險理賠。碩士論文。政治大學資訊科學研究所。臺北市。
    苗華斌,2016,以區塊鏈技術為基礎之電子發票平臺研究。碩士論文。政治大學資訊管理研究所。臺北市。
    唐君豪,2015,第三方支付專法分析與國際立法之比較,國立政治大學國際貿易研究所碩士論文。臺北市。
    馬運全,2012.,〈P2P 網路借態的發展、風險與行為矯正〉,《新金融》 2: 46-49.
    張軍強,2009,〈P2P 電子商務的信任風險問題探討〉,《全國貿易經濟類核心期刊》,562
    黃方佐,2017,應用區塊鏈技術設計具資料隱私性之綠色供應鏈管理平台框架。碩士論文。政治大學資訊管理研究所。臺北市。
    馮果、蔣莎莎,2013 ,〈論我國 P2P 網絡貸款平台的異化及其監管〉,《法商研究》,(5 ): 29-37.
    楊日晴,2015,第三方支付業者之風險與監控。國立中正大學財經法律系研究所碩士論文。嘉義市。
    顏 裕,2017,以 Solidity 語言實作之多對多配對雛型系統。碩士論文。國立中央大學資訊管理學系。桃園市。

    英文文獻
    Bogart, S., & Rice, K. (2015). The blockchain report: welcome to the internet of value. Needham Insights.
    Buterin, V. 2015. On public and private blockchains. Ethereum Blog, 7.
    Cinca, S. 2015. Determinants of default in p2p lending. PLoS One 10(10): e0139427.
    Dejun, Z. 2014. Discussion on risk control of p2p financing E-Commerce Letters(3): 29-33.
    Ferrer, E. C. (2016). The blockchain: a new framework for robotic swarm systems. arXiv preprint arXiv:1608.00695.
    Lee, E., and B. Lee. 2012. Herding behavior in online p2p lending: An empirical investigation. Electronic Commerce Research and Applications 11(5): 495-503.
    Miau, S., & Yang, J. M. (2018). Bibliometrics-based evaluation of the Blockchain research trend: 2008–March 2017. Technology Analysis & Strategic Management, 1-17
    Schwartz, D., Youngs, N., & Britto, A. (2014). The ripple protocol consensus algorithm. Ripple Labs Inc White Paper, 5.
    Steenackers., A. 1989. A credit scoring model for personal loans. Insurance Mathematics Economics: 31-34.
    Tapscott, D., & Tapscott, A. (2016). Blockchain revolution: how the technology behind bitcoin is changing money, business, and the world: Penguin.
    Xie, Z. 2015. Research on credit risk of p2p network lending platform. Finance 05(01): 1-5.
    Yuan, Y., & Wang, F.-Y. (2016). Blockchain: the state of the art and future trends. ACTA automatica sinica, 42(4), 481-494.

    網路資料
    Nakamoto, S. 2008. Bitcoin: A peer-to-peer electronic cash system., Retrieved September 23 2016, from:https://bitcoin.org/bitcoin.pdf
    BTCPOP, Retrieved March 23 2018,from:https://btcpop.co/home.php#/landing/home
    Ethereum White Paper, Retrieved January 23 2018, from:https://github.com/ethereum/wiki/wiki/White-Paper/
    Lendoit Whitepaper, Retrieved March 23 2018, from:https://lendoit.com
    ETHLend, Retrieved March 23 2018 , from:https://ethlend.io/en/
    LocalEthereum, Retrieved April 30 2018 , from:https://localethereum.com/
    Solidity Docs, Retrieved June 12 2017 , from:https://solidity.readthedocs.io/en/latest/
    麥肯錫大中華區金融機構諮詢業務,2016,中國銀行業白皮書:區塊鏈——銀行業遊戲規則的顛覆者。Retrieved March 23 2018 , From:http://www.mckinsey.com.cn/%E5%8C%BA%E5%9D%97%E9%93%BE%E9%93%B6%E8%A1%8C%E4%B8%9A%E6%B8%B8%E6%88%8F%E8%A7%84%E5%88%99%E7%9A%84%E9%A2%A0%E8%A6%86%E8%80%85/
    Description: 碩士
    國立政治大學
    資訊管理學系
    105356025
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0105356025
    Data Type: thesis
    DOI: 10.6814/THE.NCCU.MIS.008.2018.A05
    Appears in Collections:[資訊管理學系] 學位論文

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