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我差点就信了 / 万信金融

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README
Apache-2.0

1.1 项目背景

P2P金融又叫P2P信贷,P2P是 peer-to-peer 或 person-to-person 的简写,意思是个人对个人,P2P金融是指个人与个人间的小额借贷交易,一般需要借助电子商务专业网络平台帮助借贷双方确立借贷关系并完成相关交易手续。

目前,国家对P2P行业的监控与规范性控制越来越严格,出台了很多政策来对其专项整治,P2P平台之前所采用的“资金池模式”与“第三方支付托管”(见下文定义)已经不合规了,国家主张采用“银行存管模式”来规避P2P平台挪用借投人资金的风险,通过银行开发的“银行存管系统”管理投资者的资金,每位P2P平台用户在银行的存管系统内都会有一个独立账号,P2P平台来管理交易,做到资金和交易分开,让P2P平台不能接触到资金,就可以一定程度避免资金被挪用的风险。

什么是资金池模式?

此模式下,投资人利用第三方支付/银行的通道先把资金打到平台的银行账户,P2P的平台就池子一样,汇聚了投资人和借款人的资金,这个汇集资金的池子叫做资金池,是P2P平台方最容易跑路的模式。

什么是第三方支付托管模式?

此模式下,投资人/借款人除了要在P2P平台注册外,还要在第三方支付平台注册,也就是平台和第三方各有一套账户体系。经过第三方支付的资金托管后,由于资金沉淀发生在第三方支付在银行的备付金账户上,P2P平台运营方只能看到投资人/借款人账户余额的变化及债权匹配关系,不能像资金池那样擅自挪用投资人的钱,但是这里存在安全风险的是第三方支付机构。

什么是银行存管模式?

此种模式下,涉及到2套账户体系,P2P平台和银行各一套账户体系。投资人在P2P平台注册后,会同时跳转到银行再开一个电子账户,2个账户间有一一对应的关系。当投资人投资时,资金进入的是平台在银行为投资人开设的二级账户中,每一笔交易,是由银行在投资人与借款人间的交易划转,P2P平台仅能看到信息的流动。

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1.2 项目概述

本次课程开发的万信金融是一款面向互联网大众提供的理财服务和个人消费信贷服务的金融平台,依托大数据风控技术,为用户提供方便、快捷、安心的P2P金融服务。本项目包括交易平台和业务支撑两个部分,交易平台主要实现理财服务,包括:借钱、出借等模块,业务支撑包括:标的管理、对账管理、风控管理等模块。项目采用先进的互联网技术进行研发,保证了P2P双方交易的安全性、快捷性及稳定性。

1.3 功能模块

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简介

万信金融是一款面向互联网大众提供的理财服务和个人消费信贷服务的金融平台,依托 大数据风控技术,为用户提供方便、快捷、安心的P2P金融服务。本项目包括交易平台和业务支撑两个 部分,交易平台主要实现理财服务,包括:借钱、出借等模块,业务支撑包括:标的管理、对账管理、 风控管理等模块。项目采用先进的互联网技术进行研发,保证了P2P双方交易的安全性、快捷性及稳定 性。 展开 收起
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