The Research And Realization Of The Key Technology Of Financial Credit Reporting Platform Based On J2EE

With China overtaking Japan as the world's second largest economy. Domestic industry ushered in a new opportunity for development. Where small and micro enterprises in the emergence of these years like mushrooms. They play an important role in the economic development of our country. Small micro enterprise development is inseparable from the financial support, due to the lack of small and micro enterprises in business background, weak strength of enterprises, access to large commercial bank loans way than large corporations twists and turns, so small micro enterprises to borrowing direction adjustment for small loan companies. Small loan companies in the credit evaluation, there is a lack of experience, such as the credit of the two sides of the information asymmetry, often a large amount of corporate loans shrink. In order to solve the problem of credit asymmetry between the two sides, it is imperative to put forward a government led credit reporting platform.In this paper, different enterprise credit evaluation system and related literatures were read and studied in detail. We have a good understanding of several mature credit evaluation model and its limitations. On the basis of companies' rating and technology research, we establish the credit evaluation index set. At the same time, combined with China's characteristics of small and micro enterprises, using AHP to establish and implement a credit evaluation for those businesses model. The model is applied to the local credit platform, which is leaded by government. Through the platform users can quickly get the credit report of the enterprise or credit enterprises. It has a great significance in the construction of China's credit system.The platform based on the B/S architecture, the use of MVC design patterns, development tools based on the C2 Eclipse development platform, the underlying data services using ORACLE database. Through the Java language to achieve the logic function of each function module, Jsp design user interface. Users do not need to download the exclusive client, without the use of platforms, operating systems and other restrictions. They should only through the Internet connection with the capabilities of the browser. Then they will be able to enjoy the services provided by the platform. The platform of the front desk to provide users with credit information query application and credit objection application. The backstage management user is responsible for handling user application request. In the proper time management will issue the enterprise credit and black list through information management, making the user obtain some extreme enterprise credit rating to reduce the financial risk. Enterprises will enhance the awareness of the protection of self credit. The platform which is leaded by the local government, can be used to monitor the local enterprises to monitor the situation, improve the whole area of the credit system.