If the bean itself is going to determine and supply the resource path through some sort of dynamic process, it probably makes sense for the bean to use the ResourceLoader interface to load resources. Consider as an example the loading of a template of some sort, where the specific resource that is needed depends on the role of the user. If the resources are static, it makes sense to eliminate the use of the ResourceLoader interface completely, and just have the bean expose the Resource properties it needs, and expect that they will be injected into it.

What makes it trivial to then inject these properties, is that all application contexts register and use a special JavaBeans PropertyEditor which can convert String paths to Resource objects. So if myBean has a template property of type Resource, it can be configured with a simple string for that resource, as follows:

<bean id="myBean" class="...">
  <property name="template" value="some/resource/path/myTemplate.txt"/>
</bean>

Note that the resource path has no prefix, so because the application context itself is going to be used as the ResourceLoader, the resource itself will be loaded via a ClassPathResource, FileSystemResource, or ServletContextResource (as appropriate) depending on the exact type of the context.

If there is a need to force a specific Resource type to be used, then a prefix may be used. The following two examples show how to force a ClassPathResource and a UrlResource (the latter being used to access a filesystem file).

<property name="template" value="classpath:some/resource/path/myTemplate.txt">

<property name="template" value="file:/some/resource/path/myTemplate.txt"/>