Design And Implementation Of Bank To Small And Micro Enterprises Network Revolving Loan System

Small and micro enterprises are micro-foundation of the market economy, and they are not only the main driving force for deepening the reform, but also an important channel for enriching the venture. Since 2013, the government introduced a series of supportive policies on small and micro enterprises, however, despite the policy brought a positive impact on financial support, the credit status of small and micro enterprises are not optimistic, and the vast majority of enterprises still faced with distress. Meanwhile, the commercial bank is one of the ways for enterprises to get money, and also the main channel to obtain credit. Unfortunately, due to various reasons, the bank system’s credit services for small and micro enterprises are very limited. Therefore, the commercial bank needs a new product of loan to meet market demands, and adapt to the "short, small, frequent, urgent" characteristics of small and micro enterprises. Thus, the concept of network revolving loan emerged.In this paper, the small and micro enterprise network revolving loan system is the combination of traditional financial services and Internet financial services. It is located in online and offline, specifically for small and micro enterprises, and will achieve the multi-channel operations. Firstly, the related research at home and abroad were reviewed, so as to find out the breakthrough of the proposition. Secondly, this paper introduces the ASP.NET in detail, analyzes the key technology of ASP.NET, and puts forward the overall framework of ASP.NET. Then, the paper analyzes the requirements of the six subsystems from the function of the system, which lays the foundation for the design and implementation of the system. After that, this paper designs a small and micro enterprise network revolving loan system, including network topology, database design, etc. Finally, focusing on the implementation of each function module, the paper has carried on the function test, the performance test, the security test and the access control test. Test results show that the system meets the expected requirements.The system designed in this paper is an important innovation in the fie ld of small and micro enterprise financing. On the one hand, it is conducive to the healthy development of small and micro enterprises, on the other hand, it is conducive to commercial banks to provide a better quality credit services of small and micro enterprises. In addition, the article also can provide theoretical and practical guidance for the research and application of ASP.NET technology in other fields, which has an immeasurable effect on the whole society.