Research And Design Of Personal Loan System

At present,the information technology has been widely used in the banking system,and gradually became one of the key elements of the core competitiveness of the banks.With the continuous expansion of IT technology and the rapid development of commercial banking,banking system becomes more and more complex.The new business is more difficult to integrate into the existing IT systems,which results lots of information silos,and makes the banking industry at a disadvantage in competition.The credit management department is the core sector of banking business,the business efficiency directly influences the operation efficiency and profit of the bank.Therefore,the bank needs a set of reliable IT system.This thesis introduces the research and design of personal loan system which is based on lightweight J2EE framework and software thoughts.The main tasks of the research and design of personal loan system the author have completed is as following:Firstly,this paper overviews on present research situation of the credit management system of commercial bank,and focuses on the necessity of establishing a set of efficient,flexible and extensible system;and then discusses in detail the system requirement acquisition and management process using UML and Object-Oriented technologies.Main modules this paper designed are the acceptance of theexamination and approval,loan origination,post-loan management and customer management;thirdly realizes the detailed design of the overall system architecture,function architecture,and security architecture;and thenfollowing the principle of the separation of code,describes the implementation of key modules and completes test of system;last but not least,several typical test cases are given in the last part of this paper,which are used to test the system.The testing showed that research and design of personal loan system can realize the main functions of the personal loan system.Overall,from the architecture level,this subject meets most needs of credit business,and makes it possible for the later expansion.Subjects developed system provides for a more rational and better management of bank credit system,which not only makes bank credit business more efficient,but also provides a reference for other commercial banks to build a new generation of credit management system.At present,the system has played an important role in the management of bank credit business,improve the efficiency of the credit work,and contribute to the modernization,automation and paperless development of credit management.The system is stable and the failure rate is small.System is a powerful risk prevention mechanism for the safety of the bank's credit management provides the security,the and significantly reduce the workload of credit management,improve the work efficiency of the credit business management personnel,also facilitate on credit basis data,process information query and search.