Design And Implementation Of Vlicrocredit Business Management System Based On Mixed Architecture Model

The rapid development of the information industry promotes the fast development of "Internet + Finance".With the transformation of China's capital market,the nationalized bank is no longer the only financial service institutions in China and the flexible financial systems like the third-party financial institutions,private capital markets and so on further enrich China's financial market.In particular,the development of the information industry makes the the development of the financial industry more rapidly.This paper mainly explores the informatization implementation scheme of financing institution based on the micro-credit business is the micro-credit continuity loan business provided by the banks and non-government credit institutions as borrowers.Generally,borrowers are small and medium-sized enterprises,small and micro enterprises,farmers and self-employed individuals.The features of the micro-credit business is the small borrowing balance and relatively flexible business methods to meet the actual needs of small businesses and it is the important part of private lending.With the encouragement and standardization of private lending by the financial supervisory authorities such as CBRC(China Banking Regulatory Commission),the private credit business led by the micro-credit business faces both the opportunities and challenges.The micro-credit business market tends to be normalized and its competition is getting fiercer.Among them,the main indicators such as fast business handling speed,specified organizational management,accurate accurate risk assessment and scientific and reasonable customer resources become the main factors for the success of the small loan company in the competition.The traditional manual handling of these factors will eventually cause continuous waste of labor costs,difficult management of the huge data and difficult management and statistics of the big traffic data and other unfavorable situation for the loan company so the establishment of the management system which can apply and meet the micro-credit business needs and the company development needs for the private financing institutions through the information means is the important means for the sustained technical support for long-term development.The micro-credit business management system studied in the paper comes from a loan company and with the increase of the business and the establishment of the branch offices,the existing business processing models of the company can not meet the development needs,which need the data collection,collation,statistics and analysis via the information platform to help the company have the efficient management on aspects such as customer,loans,files and so on.This system will use the mixed software architecture patterns of App and B/S architecture.On one hand,the App architecture meets the customers' flexibility in loan business and on the other hand,the B/S architecture can management and analyze the data of each part to form the Web management and analysis platform which can offer the integral decision for the company;In view of the technology development,this system will apply technical combination line of NET-SqlServer 2008 + Appcan and apply WebService for the business behavior communication App terminal and B/S.For the project management,the system will use software waterfall model for scientific management to improve the project quality and for the design,the system will use UML for modeling and the PowerDesigner tool for the demand analysis and design of the system.This paper will describe the study process of the system in the six main sections and implement the main function modules customer management,business operation management,loan tracking management,file management,statistical analysis and system setting and so on mainly according to the actual business needs of credit companies.The achievement of these functions can meet the real business of credit companies and at the same time,can provide the referential research data for the information construction of credit companies in the same industry.What's more,this system has the main advantages such as rich and flexible architecture,advanced technology,good functional expansion,good system stability,and high system security.