The Design And Implementation Of P2P Financial System Architecture

In 2006,the first P2 P appeared in china.In 2011,China entered the period of rapid development of P2 P.As of January 2017,net loan market turnover reached 3 trillion and 650 billion 85 million yuan.With the increasing financial supervision of the Internet,the number of P2 P companies has declined for 5 consecutive months,and often in different regions,the P2 P financial regulatory policy is not the same.I believe there will be more stringent financial regulatory standards or regulations in the back,P2 P Universal financial ideas to promote the P2 P industry to flourish in China,even if it is not to understand stocks,funds,futures and other professional financial knowledge of the people are engaged in P2 P financial investment so as to obtain a much higher income than bank deposits.The ability to provide higher returns for capital is what most ordinary people want,but at the same time,capital security is the concern of investors.More than and 600 P2 P companies currently defunct,the investor's money has been difficult to recover,which does not exclude the possibility of illegal financing,and then run away,P2 P most of the financial system is at risk for the lender does not do a very good control.When the lender can't repay the loan,the loss can often only be undertaken by the P2 P company,when it can't afford,investors eventually become the damaged party.In this paper,the current status of the successful P2 P financial system in the market is analyzed,including the respective business processes,the trust of users,the size of funds and the most important system architecture.They also point to their current problems and the consequences that may arise.Integrated P2 P is currently on the market success of the case,on the basis of their system architecture,the system architecture of a P2 P company as the background,through a comprehensive analysis of the business,risk control,such as IT,P2 P,financial security and stability of the system architecture design.The main tasks are as follows:(1)Established a universal platform technology architecture.Technical analysis of multiple P2 P financial systems on the market,after extracting the common points in the business,the technical framework for thinking and research.On the basis of these achievements,a general framework of P2 P financial system is established.The architecture can be quickly applied to a start-up P2 P company to support two very popular businesses,personal borrowing and corporate lending.The common system architecture saves the technology cost to the maximum and provides a good soil for the development of the new platform.(2)More secure on the Payment System.One of the biggest irregularities in the P2 P financial system is the "capital pool."".After studying the business of the third party payment company,the payment subsystem is divided into two kinds: the virtual account and the cash account.A virtual account is an account set by the system for the user.The cash account is the personal account that the user pays for the company to pay for the third party.When the user pays,in addition to the transaction flow generated by the virtual account,the transaction of the cash account will only exist between the users and not through the system's cash account.This can avoid the "pool of funds",but also can prevent the failure of P2 P companies to bring huge losses to users.(3)The SOA architecture for higher scalability.The architecture of this paper is put forward after a variety of incommensurate situations arising from the follow-up operation and maintenance of the research object.Even the most basic P2 P financial system is divided into several business modules,and the modules depend on each other.The SOA architecture allows multiple modules in the business to do the greatest degree of decoupling between modules,each providing and consuming services,when the application for a release or restart also does not affect other applications,improve the overall stability of the system.(4)Distributed architecture for stronger concurrency.Distributed is commonly used in Internet applications to handle highly concurrent designs.By deploying load balancing at the front of the application cluster,the requests are reasonably distributed to the application server through the algorithm.In more than one module of the system can also use the architecture,application cluster deployment,between application servers accessed by distributed load balance,improve the application between the access speed of the whole system,improving the performance of concurrency.The design of this system can make the P2 P financial system combine the advantages of the Internet system very well.Provide efficient access to the outside,the internal departments to achieve paperless collaborative office,work efficiency significantly improved.To ensure the safety of real funds,the preservation and direction of funds are not affected by individuals in the company.The system has high implementation and popularization significance in the present environment.