The Design And Implementation Of Fund Clearing System Through Internet Consignment Channel

In recent years,with the rise and development of Internet finance,the sales mode of funds has expanded from offline to Internet channels.For investors,the operation of Internet application is more convenient and rich,and the commission after discount is more affordable.For fund companies,the expansion of sales channels is conducive to the increase of sales volume of financial products.In this process,the clearing system is the core system connecting investors and fund companies,which is responsible for mutual fund data exchange between the two sides and ensuring the safety of fund flow.Different from the traditional financial system,Internet finance is facing the challenge of large flow and high concurrency,especially with the characteristics of peak mutation.At the same time,facing the compliance requirements and regulatory demands of national and industrial departments,the fund clearing system also needs to strictly abide by the bottom line of capital security.Based on the above requirements and challenges,the fund team of Ant Financial designs and implements a fund clearing system with scalability and maintainability based on the distributed architecture,using various middleware technologies applicable to the distributed environment,considering the system scalability to cope with high concurrency,and taking into account the bottom line requirements of capital security.In order to deal with the capacity impact of hundred million users,the system is based on the scheme of distributed databases.A sharding middleware is used to shield the differences of the underlying physical environment.For the communication between clusters,the system uses remote procedure call to improve the efficiency of internal communication.In addition,the corresponding technical scheme is also designed in resource allocation management and distributed task scheduling.The fund clearing system consists of three core modules: task module,file module and check module.The modules cooperate with each other to achieve the purpose of fund clearing.The task module is responsible for the batch processing and scheduling of the system.It collects and processes the different types of fund data generated in each transaction day.The whole process is fast,efficient and accurate.The file module is a module focusing on a series of file operations.The check module is an important part of ensuring the bottom line of capital security and information security.For every transaction generated,it is necessary to check and verify to ensure the correctness of information.This thesis focuses on the design and implementation of the above three modules,and illustrates the advantages of the scheme in a specific environment.The fund clearing system is now on the line in Ant Financial.When using Alipay fund trading function,the system is on the running link.Under the condition of supporting the peak value of ten million level clearing on the trading day,the system is oriented to regulatory compliance and adheres to the bottom line of investors' capital security.