Research And Design Of Internet Lending System For SMES And Individuals

With the rapid development of Internet technology and its application to the financial sector,Internet finance has formed and boomed.In order to solve financing difficulty problem andreduce the cost of small-and-medium-sized enterprises and to promote the development of the real economy,the study of the Internet lending system for small and medium-sized enterprises and individuals can not only provide low-cost and efficient financing channelsfor the capital demand side,but also provide investors with controllable and higher-yielding wealth management products to help investors realize value presering and appriciation.This paper studies the different business processes of the financing and investing at the front desk and the auditing system at the back-end system with the object orientedand top-down structured system analysis method.It gives full consideration to the functional requirements and non-functional requirements of the system,and the technical architecture,business structure and function modular design of the system are analyzed in detail.Based on Oracle database platform,the database table and specific business process flow are designed around account management and financial products management.In the mean time,the article studies the SOA architecture,Nginx server technology,Dubbo distributed service framework,Redis cache technology and key technology such as CA security certification in the way of application of this system.It solves the problem of the system service modular design and load balancing,and finally it completes the design and implementation of the Internet lending account and the product management system.This system can provide front desk account management including register,asset management,investment management,financing management,transaction management,bank account management,and security management to the users of investing and financing.And it can also provide background of product management to the operator of the system to audit and manage the entire life cycle of all kinds of financial products from application,setting up,distribution,raising and lending.After the system test,the prototype system runs well and stable,and achieves the design goal.It is an effective practice of developing the inclusive finance.