Micro-credit Loans Of Rural Credit Cooperatives System Design And Implementation

Nowadays, with the developm ent of economy, the consum ption level of rural residents got a dramatical growth. To optimize the structure of consumption, more and more farmers use credit cooperatives to loan investm ents. On the one hand, farm ers hope to get the support of rural credit cooperatives and other rural financial institutions. on the other hand, their hope to loan m ore money. Now, many Micro-credit systems are so complex that it is not appropriate to use in a wide range of the countryside. But with the consumption growth, we have found som e faults in consumption of rural residents. For example, it still l ack effective consumer dem ands, and the consum ption characteristics survivability is obvious. In addition, it is a declin ing trend of m arginal propensity, and it has a significant regional dif ference in consum ption. With the development of the industrial structure, the demand of rural fi nance get a constant growth. But, in rural areas, credit cooperatives are also the best channels for m ost farmers to get financial support, and Rura l credit cooperatives have becom e an important form of financial support for rural econom ic development. However, according to the actual situation from recent years, some rural financial institutions have not yet been got the full trus t of farmers, and some farmers also choose private lending situation.In this thesis, we studied the status of micro-finance in rural areas and analyzed some cases at home and abroad. Then, we pr oposed a reasonable and feasible solutions to solve the credit problem s and program the system in ASP.NET platform. According to testing, the system can meet the basic demand, and it can provide guidance for our rural micro-credit system.Overall, the main works of this thesis are as follows :We proposed a hierarchical and reasonable system architecture. From top to down, we can divide the system from four levels: presentation layer, business logic layer, data access layer and data physical layer. The function of presentation layer is show the user system interface; Business lo gic layer was used to monitor th e entire process of credit; Data access layer provides interface to the underlying database module; The role of physical layer data is physically stored in the database.2. We introduced the core business functions of the system. The main module of this system is business logic layer which controls the main flow of credit business. In this thesis, we introd uced the f unction of business logic layer from customer management, the rating authority, cont ract management and loan m anagement respectively.3. We established a rational and efficient test platform. In this thesis, we not only introduced the test environm ents and processes, but also analyzed the results of test. The test results show that the system basically meet the needs of credit business.This thesis will provide guidelines for the work of rural micro-credit loans, and can provide theoretical and practical information for the design of rural financing system.