Design And Implementation Of Small Loan Credit Discriminant System For Huaian Bank Of China

In the process of national economic development,small and micro enterprises have played an extremely important role.With the China market continues to open up,competition in various industries are facing more and more fierce,the Small and micro businesses in the development of living space is limited,need financial support,but because Small and micro businesses income is not stable,the loan is difficult,resulting in many good momentum of development of the enterprise because of the collapse of financial issues.In order to solve this problem,the bank develops a credit discriminant system for small loans,which should be used to solve the credit discrimination problem of small and micro enterprises.Through in-depth investigation of the status quo of credit discrimination business of small loan,we develop a credit rating system for small loans in banks,which helps to improve bank's credit discrimination level.The whole development process is described from many perspectives,such as requirements,design,implementation,and testing.In the requirement analysis phase,the use case diagram in UML technology is used to analyze the user's rights,It also analyzes the top-level data flow graph and business data flow graph,and puts forward performance requirements,which include response time and concurrent user number..In the design stage,the use of AHP to establish credit discrimination model,and then completed the module division,the customer management,credit management,credit management model,credit statistics analysis and system maintenance module,and then use the UML technology in the analysis of the sequence diagram of each function and the work process,through the class diagram describes the system implementation when designing a class.The implementation of the system is completed based on the design scheme,which is based on the J2 EE platform.At the same time,the third party gateway technology is used to realize the notification of the discriminant results.The final system is completed and tested.At present,the credit rating system of small loan has been deployed to the bank,and it realizes the standardized management of customer credit,effectively supporting potential customers.