Design And Implementation Of A Commercial Bank Online Loan System

With the rapid development of the Internet in recent years,the online loan business has become an important business of commercial banks and occupies an important position in the business development of commercial banks.A large number of commercial banks have launched their own network loan system,which connects various credit companies with different sizes,and has laid out the Internet finance sector to seize the market of online loans.Even a lot of online lending is based on a completely online model,with no offline entity saving rents and manpower.However,commercial banks have also pushed a large number of offline loans to the line to gradually transform,and promote the network loan system to adapt to the new mode and adapt to the future direction.Traditionally,if there is demand for credit,customer need to go to the bank counter fill in print,and often need to wait for a long time,may also need to repeatedly to bank branch supplement or modify the data;On the other hand,even if the customer loan is approved,the customer is not very clear about the repayment schedule and detailed repayment plan.In contrast,the bank has a cumbersome process to review loans,from input to data verification and step by step audit.The client is not aware of the audit status of the loan and can only wait for the bank's notification.The emergence of online credit system has greatly changed the business model of banks.Our country's online lending model conforms to the market demand,the transformation and development of science and technology and financial philosophy,and it is an innovation and expansion of the traditional banking lending business of commercial banks.The online credit system does not require bank personnel to intervene in the formalities,and has the characteristics of convenience,rapidness and high-efficiency service.The customer can complete the loan application operation only by instructions,which greatly improves the service efficiency of the bank,reduces the error probability of manual operation,reduces the manpower and reduces the management cost of the bank.The thesis of this system summarizes the existing credit system,contains most of the loans on market rules and reimbursement way,such as in the current,more period,partial payment in advance,also ahead of ious,etc.Second,in the safety of the commercial bank credit system model of the present study and reference,with the most security technology and rigorous logic to encapsulate business,avoid the technical problems and loopholes.Finally,combining the traditional bank loan business with the mainstream Internet + technology,the online and offline activities are completely consistent,thus replace the traditional mode of wasting time and expenditure offline.The system is based on the B/S mode of Java technology.The system adopts the three-layer architecture,the interface of the system and the business logic adopt MVC framework and HTML to conduct interface design and coding development,and the database adopts Oracle.At the same time the system will use advanced technology to the process design,such as: the abstract factory pattern and reflection technology,further improve the system scalability,easy maintenance,to ensure the advanced,security of the system.In order to increase the operability of the system,reduce the development and use of the difficulty,therefore it adopts modular design,which is to simplify the user's specific needs,summed up as a single system module.They each have independent functions,and finally form a whole,and finally realize the functional completion of the system.