Construction Of Small Loan Management Information System In The Context Of Big Date

With the vigorous development of Internet finance,the Internet technology represented by big data,cloud computing,Taobao,Weixin,etc.has brought profound changes to social life.At the same time,it has had a tremendous impact on the consumption habits of residents.Housing loans and automobile loans have attracted people's attention,making people consume first and pay back later.Consumption concept.The lending institutions of major banks increased the business of small loans.Due to the increasing demand for bank loans,more and more information about micro-loans need to be managed.However,it is faced with the problems of the lender's credit status,the lender's repayment ability and the low security of loan information storage.In view of this problem,the main work of this paper is to study and design the construction of micro-loan management information system under the background of large data,and ultimately realize the credit evaluation function,credit guarantee function,credit management function,training and management function,focusing on the application of personal credit rating in the context of large data.Study.The following are some parts of the work.Firstly,aiming at the risk of low rate of return on funds brought by the simplification and speediness of micro-loan procedures in the Internet era,this paper completes the design and implementation of micro-loan management information system under the background of large data.Secondly,in order to ensure that the system developed in this paper can meet the needs of micro-loan management,this paper analyzes the data characteristics of micro-loan before the development of the system,on the basis of which,puts forward the related technology of system design,and analyzes the feasibility and functional requirements of the system development.Thirdly,the network structure and logic structure design scheme of the system are designed and perfected,and the system is divided into four modules:credit evaluation function,credit guarantee function,credit repayment management function and training management function.Using personal basic information and historical records under large data,the default risk and credit qualifications are evaluated,and the functional implementation scheme is worked out.Finally,the system function modules are tested and analyzed.Through analyzing the test results,the reliability of the system design scheme is elaborated and verified in detail,and some system interface diagrams are given.Through this study,we can make the management of microfinance more perfect in the context of large data,and accelerate the development of microfinance.