Design And Implementation Of Commercial Loan System Of Small And Micro Enterprises

With the strengthening of world trade cooperation, the world economy is speeding up itspace of development, due to the international economic exchanges become more and moreclosely, resulting in the international financial organizations swarmed into China, has broughtan unprecedented impact and challenges to the traditional financial industry in china.Commercial loans as a pillar of China’s financial industry business, the business volumedirectly affects the financial enterprise economic benefits, it is no exaggeration to say evendirectly related to a financial enterprise, in order to enduring in the fierce businesscompetition, is suitable when the introduction of commercial loan system, attract morecustomers. To provide better quality of service, is an important direction of financial industryoptimization reform.Along with the strengthening of the world trade cooperation, the world economy hasaccelerated its development pace, due to international economic exchanges between theincreasingly close, the international financial organizations in our country, to the traditionalfinancial industry in our country has brought the unprecedented impact and challenges.Commercial loans as China’s financial industry the backbone of the business, its volume howmany directly affects the economic benefits of a financial enterprise, it is no exaggeration tosay even a financial enterprise is directly related to the survival, to the fierce businesscompetition, timely introduction of commercial loan system, attract more customers, toprovide more high quality service, is optimizing the important direction of the reform of thefinancial industry.The use of commercial credit system is the enterprise deeply realize the first step in theinformationization, is also a challenge to the traditional mode of business loans, it broke theshackles of traditional commercial loans, has opened up a new road of financial services.Commercial lending business loan system to deal with time is short, fast loan quickly, canattract customers for the enterprise, and interface design is reasonable, the maneuverability isstrong, easy to use, reduced the demand for professional business skills, improve thereliability of the information management, standardize the business process, provides thereliable data analysis content, to promote the further development of the lending industry.Before the system design and implementation, the author use a lot of time readingrelated literature, field trips, insight into the commercial loan business development andbusiness loans system development the practical value of finishing the design anddevelopment of commercial loan system. This article from three levels of system implementation, respectively is a display interface layer, business process layer and data layer.In order to support as many browsers type, system based on TCP/IP protocol development, bythe user operations, access to information from the database. Interface display layer using thePHP language program, use the JQuery AJAX page operation request and data request is sentto the business process layer, the server using PHP technology required to request and transferdata, business process according to the established business logic processing, and through thedatabase connection to read data from the data layer and the operation of the input, processinglayer and finally the results of business operations information encapsulated into Json formatdata feedback to the interface layer, the page receives the data, through JavaScprit carries onthe analysis, and then dynamic update to the page via AJAX technology, data storage andoperation is performed by the underlying database system, the system chooses the MySQLdatabase of compact and practical.In this paper, according to the actual commercial loan demand for system design, systemfunction Settings are clear and complete structure is reasonable, the connection is clear, thepath unobstructed, less redundant, interface clear, strong compatibility, macroeconomicregulation and control, etc. Through to the system function test and analysis of the process forthe commercial system designed to verify, in conclusion, the paper proved that the system hasa perfect basic to the smooth completion of the business at the same time, improving customerservice experience, can be used for promotion are being used in the industry, to promote thedevelopment of financial industry business loan business.