Design And Implementation Of Internet Financial Risk Control System For Retail Supply Chain

Since the development of market economy in China,the private economy has occupied half above of the national economy,and small and micro enterprises are the typical representatives of the private economy.However,small and micro enterprises generally have the problems of "high cost,difficult mortage,and high risk" in the credit financing,it has long been ignored by traditional financial institutions.With the deepening of this economic regulation,our country has clearly proposed financial and taxation measure to support the development of small and micro enterprise.Internet finance has also emerged as the times require,and is constantly growing.Like all financial credit business,credit risk management is a vital part of all loan products,and it directly affects the overall performance of the business,which is equally important for Internet finance.How to establish a proper risk control system to implement unified,comprehensive and scientific management of credit business will become the focus of the Internet finance industry.This dissertation describes the implementation principles,main functions and key technologies of the Internet financial risk control system for the retail supply chain.Risk control firstly establishes relevant scoring standards for suppliers,classifies them according to industry and level,and designs related financial products according to the characteristics of retail supply chain industry(such as different supplier in different industries,different ways of using funds and time).Targeted marketing recommendations to supplies,and products will be differentially priced according to their credit status.In addition,in order to further reduce risk,retailers will be rated and their guarantee clauses will be provided to their suppliers.It will make product pricing more accurate.The system adopts a three-tier architecture based on B/S mode.The client is developed by JQuery and Velocity.The server architecture is mainly base on spring framework,Hibernate is used as the persistence layer,the data storage uses PostgreSQL database,and in order to reduce the time overhead of accessing the database,we introduct Memcached as an application layer cache to improve response efficiency.