Design And Development Of Internet Financial Risk Information Sharing And Assessment Platform

The credit risk caused by asymmetric information between buyers and sellers in the new financial economic model based on Internet and mobile Internet economy must be dealt with and solved by the Internet financial platform.At present,defaults occur frequently in the domestic bond market,and financial institutions need to improve their ability of credit analysis and risk identification.Through Market Research and system analysis and design,this paper establishes a platform for Internet financial risk assessment and information sharing,which provides a professional and informative data service platform for financial institutions to meet the needs of financial institutions in financial market risk assessment and information sharing for their own data security and rights protection.Internet financial risk information sharing and evaluation platform is divided into two business directions:risk information sharing and risk assessment.Risk information sharing includes three functional modules:risk information query,transaction integral and operation management.The main function is to query risk information among users of major institutions and to query transaction integral management.Risk assessment includes three functional modules:enterprise analysis,enterprise risk and fund investment.Its main function is to query risk information of bond issuing enterprises and to calculate and manage bond investment returns.Internet Financial Risk Assessment and Sharing Platform uses the SpringMVC framework,using MySQL,Kafka,MongoDB,Mybatis,Maven and other mature technologies to implement the service platform,and further improve the stability and efficiency of the system on the basis of ensuring system availability.Risk information sharing adopts blockchain-based distributed data storage and query technology,and utilizes the characteristics of blockchain technology distributed,non-tamperable and traceable to solve various information sharing security problems existing in the market.Each financial institution or enterprise in the platform provides a fair and equal data mutual check platform,and promotes the overall quality of data in the platform,provides a fair and effective pricing and evaluation system for financial risk data sharing,and promotes the platform to continuously iterate and increase value.In the design and implementation process of this platform,I completed the requirements analysis,summary design,detailed design and implementation of the platform,and the specific work such as system testing after the first phase.At present,the platform has passed the internal test,and has been formally deployed and put into use.In the near future,the entire platform will be officially launched and put into use,providing a sharing and evaluation platform for Internet risk information for major financial institutions.