Design And Implementation Of The Financial Service Platform For SMEs In Henan

Small and medium-sized enterprises play an important role in pulling economic growth, increasing employment and finance. They have become an important part of economic development in Henan. But their developments are restricted strongly by financing difficulties. This status does not match with their economic clout. On the one hand, the small and medium-sized enterprise’s credibility is poorer, and their ability of resisting risk is weaker. On the other hand, the loan amount of the small and medium-sized enterprises is lower, the cost of loan transaction and monitoring is higher, so Banks reluctant to lend to small and medium-sized enterprises. In addition, there is lack of financial institutions for small and medium-sized enterprises, and meanwhile private loan faces high cost and risk.This thesis argues that development of the financial service platform of small and medium-sized enterprises in Henan is beneficial to solving the problem of asymmetric information between Banks and small and medium-sized enterprises, and it will release personnel engaged in the loan and financing business from tedious loan business. This thesis mainly discusses the following contents:1. This thesis analyses the processes of finance business and the relationship between the roles involved. The role is divided into stakeholder, borrower, the third party, the platform manager. Stakeholder provides the borrower with loan services, and audits the access application of the third party. The third party provides the borrower with audit, evaluation, guarantee or regulatory services. The platform manager manages the basic data and completes basic audit. The system function is divided into six modules:the management of the user, the management of data, the application of role, the access of the third party, the application of loan, services provided by a third party. Then this thesis analyses the data flow about the modules of the application of role, the access of the third party, the application of loan, the supervision of loan. 2. After requirements analysis, this thesis discusses the design of system architecture and database, illustrates the design and implement of some modules. The system adopts layered architecture, includes the presentation layer, business logic layer, data access layer. As for database design, we design the overall e-r diagram at first, then design local e-r diagram, and change them into relational model, design database tables in detail. On the base of design above, the application of role, the access of the third party, the application of loan and the supervision of loan are designed and implemented. At the supervision of loan, regulator provides loan regulation service after borrower successfully applied for regulation.3. In this thesis, some of the system function was tested. First, this thesis indicates the hardware and software environment of system test. Then, the application of role, the access of the third party, the application of loan and the supervision of loan were tested detailed, and the result was given out. Finally, the performance and security of the system were tested. Tests show that the feasibility and effectiveness of the platform has reached the design requirements.The financial service platform of small and medium-sized enterprises in Henan, breaks through the traditional financing model, combines small and medium-sized enterprise, Internet and financing services. It can also shorten the financing process, and innovate financing services, bring benefit to Banks, enterprises, government and the third-party financial institutions at the same time. This platform is beneficial to cultivate small and medium-sized enterprise of high quality, and improve the efficiency of financing, reduce the risks of lending for Banks, play an important part in promoting bank business and solving financing difficulties of the small and medium-sized enterprise. The shortcoming of the platform is that the funds’trading is still offline, we will reference the advantages of P2P network credit platform and its security measures, in order to realize online trading as soon as possible.