Design And Implementation Of Cash Loan Transaction Management System Based On Cooperative Bank Credit Business

In recent years,China's internet finance has ushered in a booming development,with P2P,online micro-credit services,cash loans and other product platforms successively gushing out.To a certain extent,this has promoted China's economic development by making up for the shortcomings of traditional financial institutions in their development.However,along with the development of many kinds of online credit services,there are some bad loan phenomena such as excessive lending,repeated credit,excessive interest rates,personal information leakage and others,negative public opinion emerges in an endless stream.The main cause for these problems is that there is no sound risk control system in some lending platforms,or even a serious lack of risk control for customer loans.it is difficult to manage risks of their customer's loans,which eventually leads to the high risk of these platforms.In order to reduce the risk of net loan and better solve the financing problems for small and medium-sized enterprises and individuals,some commercial banks began to develop network credit business.The bank has a sound big data collection system,the development of cash loans based on the bank business,not only the effective use of bank idle funds,but also to ensure the security and reliability of the net loan business.According to the standardization requirements of bank credit business,combining Java EE technology and Maven technology,using Mysql database and docking bank credit system,this paper completed the design and implementation of the cash loan trading platform.The system is mainly composed of two parts:loan transaction and risk control management.It aims to provide loan customers with perfect,safe and stable cash loan service.In the development and design,the system adopts the design pattern of MVC,uses the SpringMVC technology to act as the business logic layer,completes the mapping of the transaction request,uses the Hibernate technology to play the model layer,and completes the interaction with the database.The view layer uses the JSP technology and the Ajax asynchronous request technology,and uses JSON as the data transmission format,which greatly improves the performance of the data display and realizes the purpose of layered development.In the timing job scheduling,the Quartz technology is used to solve the batch data timing statistics effectively.The MD5 encryption technology and Shiro security framework are used in the information transmission and system security logon,which ensures the safe transmission and risk prevention of the system data,so that the system has high security.