The Design And Implementation Of A Microenterprise Small And Micro Loan System

From the current market,it is very difficult for microenterprises to obtain loans from the banks.There are four reasons:(1)the Small Mini Enterprise loan cycle does not match the bank's scale easing cycle;(2)there're not enough effective collateral from the Small Mini Enterprise assessed by banks;(3)the financial management of the Small Mini Enterprise is not standard,and the banks have no approach to verifie the Small Mini Enterprise' actual business status;(4)alarge number of moribund Small Mini Enterprise can not afford the high loan interest rate of commercial bank.To have a credit non-performing rate between 3% to 5% is normal for small loan companies,but it is difficult for major banks to accept.The financing requirement of Small Mini Enterprise is relatively large,so there are great value for small micro loans in the public financing to solve the difficulties of Small Mini Enterprise loans.In view of the development of Small Mini Enterprises,the thesis designs and implements a small micro-loan public financing system based on the characteristics of Suning Financial Group,provided financing services for Suning merchants.The thesis puts forwarded two products,credit loan based on merchant credit and order loan based on merchant order data.It solved the problem that merchants with difficulties in capital turnover could not get loans from major banks because the credit information was not up to standard.Small micro-loan can use the credit loan designed by the merchant in Suning's registration information to solve the problem of short-term capital turnover in time for the merchant.The thesis designs the system architecture of small micro-loan to public financing system,including the overall structure design,system logic structure design,business function design,data flow design and database storage design module.Every morning,the system generates the latest credit line of the merchant according to the order return rate,bad rating rate,medium rating rate and other credit-related information of the merchant.The system synchronizes the in-transit order data to the Small Mini Enterprise loan system and updates the latest order information to the database according to the merchant ID.According to the latest order information,the small loan system generates the latest order credit line.Based on HTML,JAVA and MY SQL,the thesis designs and implements the order credit calculation function,credit loan quota calculation function,loan issuance function,loan credit calculation function,interest calculation function,interest deduction function,and penalty.Business modules such as interest calculation function,penalty interest deduction function,and post-loan risk management function.The system has been applied to the Suning Financial Group portal website and has achieved remarkable results,helping loan managers and risk control managers to automatically detect merchants with repayment risks,and provide powerful data for loan managers,risk control managers to deduct money,and return visits.Based on this,it provided a convenient and safe financing plan for the loan manager and the risk control manager,and achieved good economic benefits.