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心飞为你飞 / P2P金融

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README
Apache-2.0

P2P金融

code style code style code style code style maven code style

项目工程

  • Itcast_p2p它是一个父模块,其它是子模块
  • Itcast_p2p_action 完成struts相关操作
  • Itcast_p2p_cache 它成的缓存 redis相关设置 ehcache
  • Itcast_p2p_dao 持久层操作
  • Itcast_p2p_domain 实体模型
  • Itcast_p2p_home 前台的项目页面
  • Itcast_p2p_jms 消息队列
  • Itcast_p2p_management 后台的项目页面
  • Itcast_p2p_rbac 权限
  • Itcast_p2p_service 业务层
  • Itcast_p2p_utils 工具

系统架构

输入图片说明 输入图片说明

项目介绍

P2P金融又叫P2P信贷。其中,P2P是 peer-to-peer 或 person-to-person 的简写,意思是:个人对个人。P2P金融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。借款者可自行发布借款信息,包括金额、利息、还款方式和时间,实现自助式借款;借出者根据借款人发布的信息,自行决定借出金额,实现自助式借贷。

p2p金融介绍

P2P金融又叫P2P信贷。其中,P2P是 peer-to-peer 或 person-to-person 的简写,意思是:个人对个人。P2P金融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。借款者可自行发布借款信息,包括金额、利息、还款方式和时间,实现自助式借款;借出者根据借款人发布的信息,自行决定借出金额,实现自助式借贷。 P2P金融主要分为两种模式,基于电子商务的网络P2P金融和传统线下的P2P金融

中国p2p模式

P2P金融在国内发展初具雏形,但并无明确的立法,国内小额信贷主要靠“中国小额信贷联盟”主持工作。可参考的合法性依据,主要是“全国互联网贷款纠纷第一案或现 结果阿里小贷胜出”。 随着网络的发展,社会的进步,此种金融服务的正规性与合法性会逐步加强,在有效的监管下发挥网络技术优势,实现普惠金融的理想。

发展至今由P2P的概念已经衍生出了很多模式。中国的网络借贷平台已经超过2000家,平台的模式各有不同,归纳起来主要有以下三类:

一、担保机构担保交易模式,这也是最安全的P2P模式。 此类平台作为中介,平台不吸储,不放贷,只提供金融信息服务,由合作的小贷公司和担保机构提供双重担保。此类平台的交易模式多为“1对多”,即一笔借款需求由多个投资人投资。 此种模式的优势是可以保证投资人的资金安全,由国内大型担保机构联合担保,如果遇到坏账,担保机构会在拖延还款的第二日把本金和利息及时打到投资人账户。

二、“P2P平台下的债权合同转让模式”的模式。 可以称之为“多对多”模式,借款需求和投资都是打散组合的,甚至有由最大债权人将资金出借给借款人,然后获取债权对其分割,通过债权转让形式将债权转移给其他投资人,获得借贷资金。

三、以交易参数为基点,结合O2O(ONLINE TO OFFLINE,将线下商务的机会与互联网结合)的综合交易模式。 这种小贷模式创建的P2P小额贷款业务凭借其客户资源、电商交易数据及产品结构占得优势,其线下成立的两家小额贷款公司对其平台客户进行服务。线下商务的机会与互联网结合在了一起,让互联网成为线下交易的前台。

itcast金融平台介绍

项目目标

1.掌握SSH开发技术(Spring data持久层开发)

2.熟悉项目开发,了解项目开发流程

3.简单掌握业务,使用技术来解决业务问题

4.掌握就业技术亮点	

项目介绍

该项目包含如下几个模块:

1、会员注册、登录及认证	

2、资产管理:包括资产统计、充值、提现等功能。

3、投资管理:包括资金的投资状态、交易记录等功能。

4、消息管理:包括站内信功能、通知设置功能等。

5、账户管理:包括银行卡绑定功能等。

6、用户交易管理:平台会员购买产品的交易记录。

7、投资管理:平台会员购买理财产品投资管理。

8、产品管理:理财产品管理功能。

9、权限管理:平台管理权限功能。

10、债权管理:平台后台生成债权

11、撮合管理

项目特色:

1、项目整体采用Maven分模块构建、SVN版本控制、PowerDesigner数据建模,基于约定标准的项目工程结构,同时讲解了很多主流Maven插件的使用配置。

2、前端页面采用流行的bootstrap、 angularjs 等流行的前端技术,通过本项目可以掌握 angularjs 的前端的MVC分层设计理念。

3、该项目采用了struts2 hibernate spring和 spring data jpa 开源框架完成,并融入了cxf开源webservice框架的应用,而这些技术都是当下流行的技术。

4、在缓存方面运用了互联网的流行技术redis实现缓存存贮,通过本项目可以理解redis在实际运用中的优势。

5、会员认证通过短信平台发送手机短信流行的认证方式,可以深刻理解手机验证码发送功能的实现。

6、会员认证短信采用MQ消息队列的机制进行发送,通过此功能可以学习MQ消息队列的应用。

7、资产统计模块结合了highchart前度图表技术。

8、登录通过cxf实习restful风格的webservice进行登录认证,从而深入的学习关于webservice的理念及RESTFUL风格的接口实现。

9、用POI实现对数据的导入功能,及POI对excel的操作。

10、权限采用流行的shiro权限管理框架,通过本项目可以深入了解shiro权限框架的应用及原理。

11、项目部署采用tomcat+Nginx的部署方式

整体项目安排

项目一共16天,后三天分组实战练习

主要完成以下功能模块:

  1. 理财产品模块
  2. 用户模块
  3. 资产模块
  4. 转账支付模块
  5. 债权管理模块
  6. 撮合管理模块
  7. 权限管理
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简介

P2P金融又叫P2P信贷。其中,P2P是 peer-to-peer 或 person-to-person 的简写,意思是:个人对个人。P2P金融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。借款者可自行发布借款信息,包括金额、利息、还款方式和时间,实现自助式借款;借出者根据借款人发布的信息,自行决定借出金额,实现自助式借贷。 展开 收起
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