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README
Apache-2.0

一、项目简介

尚融宝是一个网络借贷信息中介服务平台,为个人投资者、个人融资用户和小微企业提供专业的线上信贷及出借撮合服务。 行业案例:人人贷 https://www.renrendai.com/、拍拍贷 https://www.paipaidai.com/

二、信用贷款平台的类别

1、银行系

  • 优势:第一,资金雄厚,流动性充足;第二,项目源质地优良,大多来自于银行原有中小型客户;第三,风险控制能力强。如恒丰银行、招商银行等旗下都有信用贷款平台。
  • 劣势:收益率偏低,预期年化收益率处于5.5%-8.6%之间,略高于银行其他理财产品,对投资人吸引力有限。

2、国资系

  • 优势:拥有国有背景股东的隐性背书,兑付能力有保障,业务模式较为规范,从业人员金融专业素养较高。
  • 劣势:缺乏互联网基因;项目标的较大,起投门槛较高;且产品种类有限,多为企业信用贷;较为谨慎,层层审核的机制严重影响了平台运营效率;收益率不具有吸引力。

3、民营系

民营系平台数量最多,起步最早,但鱼龙混杂,不胜枚举。

  • 优势:普惠金融,手续便捷;门槛极低,投资起点低最低起投门槛甚至50元;强大的互联网思维,产品创新能力高,市场化程度高;收益率高,投资收益率具有吸引力。
  • 劣势:风险偏高,资本实力及风控能力偏弱,跑路及倒闭的高发区。

三、业务流程

1、投资人

希望在平台上找到合适的投资项目,获取利润回报的用户

2、借款人

需要资金周转的用户

3、资金池风险

  • 资金池:一个大池子放钱,一边存进来(入水管),一边贷出去(出水管)。不管是张三的钱、李四的钱、还是王五的钱,只要进到池子里,就都叫池子的钱了。银行就是典型的资金池。

  • 资金池风险:

    • 第一种情况:投资入水管流量过大,池子里全是水。这种情况,平台亏钱,干不长。原因很简单,池子里的钱是有成本的,只进不出,没有利差,拿什么钱付投资人的利息,时间长了,就只能用投资人的本金还投资人的利息,借新还旧,庞氏骗局。这个过程就直接背离了平台信息中介的身份,而成了与银行类似的金融机构。
    • 第二种情况:突然来了这么多钱,怎么办?只能把放贷出水管的流量调大。放贷的这条出水管上有两个阀门,一个叫找项目,一个叫做风控。遇到这种情况,经常就是两个阀门一块儿放,钱是贷出去了,但由于放松了对风险的把控,能不能再流回来,就不好说了,危险。
    • 第三种情况:提款的出水管流量变大。比如,一个黑天鹅事件,一个负面新闻,一个平台垮了,都可能诱发这种情况,这就是挤兑。比如说某租宝事件后,不只这一家平台,很多其他平台的用户,也在疯狂的提现,有可能一直提到关门为止。
    • 第四种情况最极端:平台把池子里的钱都提出来,走人。这个就不用解释了,就是跑路。
    • 以上四种情况就是资金池最主要的几个风险——经营不善,风险失控,挤兑和跑路。银监会发布的《网络借贷信息中介机构业务活动管理暂行办法》让资金存管成为网贷平台的硬性要求,同时降低了平台建立资金池、挪用用户资金的风险。

4、资金托管平台

  • 第三方存管模式:“第三方存管”的全称是“客户交易结算资金第三方存管”。这里的第三方存管机构,目前是指具备第三方存管资格的商业银行。银行的流入资金成本低,风控体系较完善,资金池子足够大,而且是国家背书,不会跑路。
  • 说明:由于我们是教学使用,无法申请到正式的资金托管平台的支持,所以我们根据资金托管平台API接口文档,自行开发模拟一套API接口来满足业务需要,业务过程与实际开发基本一致。

三、课程介绍

四、项目架构

五、项目功能演示

1、后台管理系统--srb-admin

2、前台网站系统--srb-site

六、业务流程总结

七、开发环境和工具

一、前置知识

Java基础、HTML、CSS、JavaScript、Spring、SpringMVC、MyBatis、SpringBoot、SpringCloud Alibaba MySQL、Redis、RabbitMQ、nginx、idea、maven、VMWare 虚拟机、CentOS 操作系统

二、技术栈

1、后端

  • SpringBoot 2.3.4.RELEASE
  • SpringCloud Hoxton.SR8:微服务基础设施 - 服务注册、服务发现、服务熔断、微服务网关、配置中心等
  • SpringCloud Alibaba 2.2.2.RELEASE
  • MyBatis Plus:持久层框架和代码生成器
  • Lombok:简化实体类开发
  • Swagger2:Api接口文档生成工具
  • Logback:日志系统
  • alibaba-easyexcel:Excel读写
  • Spring Data Redis:Spring项目中访问Redis缓存
  • HTTPClient: 基于Http协议的客户端,用来实现远程调用
  • Spring Task:定时任务

2、数据库和中间件

  • MySQL 5.7:关系型数据库
  • 管理工具:Navicat
  • Redis 5.0:缓存技术
  • 管理工具:RedisDesktopManager
  • RabbitMQ 3.8:消息中间件

3、三方接口

  • 阿里云短信:短信网关
  • 阿里云OSS:分布式文件存储
  • 资金托管平台API对接:汇付宝

4、前端

  • Node.js: JavaScript 运行环境
  • ES6:JavaScript的模块化版本
  • axios:一个发送Ajax请求的工具
  • Vue.js:web 界面的渐进式框架
  • Element-UI:前端组件库
  • 模块化开发:解决javascript变量全局空间污染的问题
  • NPM:模块资源管理器
  • vue-element-admin:基于Vue.js的后台管理系统UI集成方案
  • NuxtJS:基于Vue.js构建的服务器端渲染应用的轻量级框架

三、开发环境检查

  • jdk 1.8 配置:JAVA_HOME、path
  • maven 3.6 配置:MAVEN_HOME、本地仓库路径、中央仓库地址、jdk版本
  • ideaIU-2020.2.3: 注意:在idea的欢迎页面选择Configure > settings 配置:Java Compiler、File Encodings、Maven、Auto Import、Code Completion > Match case(取消) 插件:lombok、MyBatisX

八、笔记

1、安装和注册

为知笔记

2、笔记的使用

笔记目录设置、笔记导入、笔记视图、笔记显示顺序、笔记编辑

九、项目部署

后台管理 后期更新...

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简介

尚融宝是一个网络借贷信息中介服务平台,致力为高成长人群提供专业的线上信贷及出借撮合服务。 展开 收起
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