Design And Implementation Of P2P Financial Lending System Based On MVC

In the past few years,people can not borrow from banks as easy as before anymore,especially to small or medium enterprises and individuals,the traditional financial loans is unable to meet their needs,with the rapid development of the Internet and the third party payment method,P2P lending emerged as one of the important means of Internet finance.Pepsi Loan System which describes in this paper is one of the P2P network lending systems.The main purpose of this system is to provide a platform for the enterprises and individuals who need to borrow money,and to provide a suitable investment platform for a large number of private capital.Pepsi Loan System is based on MVC mode,using B/S architecture,using Apache Tomcat as the server,Java as the development language,MySQL as database,and using Mybatis as data persistence layer.In the system,the mainly job of the author is implementing some modules,including user borrowing module,user loan module,account information module,loan management module,background transaction module and system management module.User borrowing module is about the function of users can borrow money;user loan module is about the function of project investment and debt purchase;account information module is about the function of basic information query,bank card binding,treasure and other functions;loan management module is about to provide users real-name authentication,cell phone authentication,mail box authentication,basic information authentication,enterprise guarantee information authentication and users loaning information audit;background transaction module provides the management of changing situation about repayment of debt,the user purchase and investment operations for administrator;system management module is about the function of adding,modifying,deleting,allocating rights of administrators and background management of various parameters,including lending rate,overtime repayment rate and integral parameter.Finally,the project has been tested,then the author make a summary and outlook.Pepsi Loan System has been sold to a number of companies,formally being launched operations such as Gome financial management.Pepsi Loan System meet the needs of the majority of individual users and enterprises borrowing.At the same time,the borrower’s repayment business and the proceeds of investors are also normally proceeding,the entire loan process successfully completed.Pepsi Loan System can also continue to upgrade the system according to users’ needs,and strive to provide high quality services to both lenders and borrowers.