Design And Implementation Of P2P System Of The Postal Savings Bank Of China Financial Application

There are a lot of problems in the traditional small loan,such as the complexity of the loan procedures,the efficiency of the loan is not high,based on the computer technology to study the micro credit has become the focus of attention.At the same time,the diversity of small loans,small loans to the actual operation of the larger risk,but also enhance the difficulty of the construction of small loan application system.Considering the shortage of the current financial products are in the yield and safety,and microfinance have considerable income,according to the user's interests as the center of the principle,in the guarantee of the enterprise credit risk while minimizing the bank profit maximization,the postal savings bank decided to design and realize the financial system.According to the needs of small loans,and combined with the actual situation of small loans,based on the web system,this paper designs and implements the postal savings bank P2P financial application system.This paper mainly studies the design and implementation of P2P financial management platform of postal savings bank,which is based on the concept of high security,high profit margin,clear investment direction,and finally realizes the innovation of the bank P2P financial platform.In this paper,the main technologies are:J2EE architecture,JAVA technology,MVC design patterns,B/S architecture,MYSQL database,etc.The system adopts three layers mode,including the presentation layer,logic layer and data layer.The user access to the system through the browser,through the front controller to intercept the request and find the corresponding control layer through the user request address,control layer,business logic layer and find corresponding by address,for processing a user request,in this process,if you need to access the database through the data access interface to the business logic access database,the data access control layer through transfer to the page display.The system has realized five functions such as investment loan management,fund management,certification management,customer management,system management and so on.Investment loan management realizes the investment services and loan services,the lender can choose to invest in this module,query the information on loan to choose the loan object,and the bid set;the borrower in this module,you can query the payment information,you can bind bank card,the borrowing needs to publish,query information on borrowing and lending,payment;capital management realized capital funds recharge,withdrawals,bidding,capital funds query;certification management to achieve the basic setting,friendly management,station communication,privacy settings;customer management of the user information management,customer information management,customer integration management;system management to achieve a set of operation records,audit user permissions settings,log management system.Finally,the system carries on the key test,including the software function test and the performance test.The performance test shows that the system can run stably,and the feasibility of the design is confirmed by testing.Through the design and implementation of this system,solved the existing financial management application platform of low income,higher risk,provides a new development way for microfinance,open innovation model for small products to improve the efficiency of the postal savings bank,microfinance,lay the foundation for the study of P2P financial application system of postal savings bank in the future the.