Research And Implementation Of P2P Financial Public Platform Based On JFinal Framework

With the rapid economic development and the sustained financial flows acceleration, financial industry of P2P (peer to peer) in China has been positively affected, and thousands of financial platform alive recently. The P2P financial operations attract a large number of institutions to enter for its high returns. But, because of the sharp increase of the number of platforms and the limitations legal norms, part of the platforms appeared some problems:many institutions and individuals eager to obtain a benefit by construction platform without thinking about the financial and legal background, which lead to the platform collapse due to funding strand breaks; because of the existence of illegal pool of funds in some platforms, the user will suffer the security risks; some platforms in order to on-line as soon as possible with technology support being not in place, resulting in the slow running speed of the platform and the problem of downtime when a large amount of users concurrent access it; some platform with low safety factor can leak user information easily, harming the financial security of users; many financial platform only supports the operation on PC, but the mobile phone terminal APP is not conducive to user operations.In order to solve these problems, this paper analyzes the background and present situation of P2P, and improves the financial business model. By strengthening the loan request of the lender, prevent the fund chain breaks caused by that the lender can’t repay after the expiration. Strengthening the check of loan requests, only when there is a demand for loans, the platform gives the user loan offer, and financial capital through third-party payment platform directly allocated to the lender, which completely solve the pools of capital problems. The use of JFinal framework technology to build the back-end framework of the P2P banking platform, improves the running speed of the platform, giving faster response to the user’s request. Using Apache, Tomcat cluster and the combination of distributed technology, construct P2P finance platforms of web server to solve downtime problems when high concurrent access take place and enhance the safety factor. Finally, realizing the P2P financial platform docking to WeChat public platform, users only need to bring the WeChat client to achieve financial management, which can solve the problems of the complexity of the previous platform operation.Finally, test the P2P finance platform through the professional testing software, and results show that the platform did reduce the funding chain fracture risks and solve the problems of funding pools. This platform achieves the higher speed of the response to user’s request, the support of higher concurrent access and the strengthened information security, and provides a more convenient and easy financial operating platform to the user.