Design And Implementation Of College Students' Loan Platform

In recent years,with the rapid development of Internet banking,many innovative enterprises have begun to actively build a platform for college students.However,on the one hand,due to the initial construction of the system,short time and lack of planning,with the continuous upgrading of the system,low security and low stability of the system is gradually exposed;on the other hand,College Students are main users of this platform,they have more mobility after graduation.The platform assumes big credit risk,and lack of credit evaluation model for College Students.In view of the above problems,This thesis design and implement a security,stability and efficiency of college students loan platform to meet the needs of the current market.The main research work of this thesis is as follows.(1)The overall architecture design of college students' loan platformThis thesis discusses and designs the overall architecture of the college students' loan platform based on SOA.The logical structure of the system is divided into presentation layer,service layer,base service layer,data service layer and infrastructure layer.The logical structure of the system is independent,the responsibility of the various discrete layers,the business service layer and basic service layer running in the SOA framework,the decoupling between the layers.The network architecture is designed by using the multi domain structure.By setting the access control of the various domains to ensure the security of the server and the database.(2)Safety design of college students' loan platformAccording to the analysis report of the third party inspection platform,At present,many systems are in the stage of been paralyzed,data tampering,user information is stolen.For these cases,this thesis designs system security from following several aspects.First,the encryption algorithm and process is discussed and designed between client and server's data transfer.Secondly,the ARP attack,firewall policy settings are described from the network level.Once again,the system monitoring and control is carried out in detail.At last,the thesis introduces the data security and database backup strategy of this system.(3)Credit model design of college students' loan platformThis thesis takes college students as a pilot program,selecting 13 indicators to establish the evaluation index system of college students credit,and use the principle of Bayesian network classifier to establish the personal credit evaluation model of College Students.The model uses correlation analysis and find out the relationship of each dimension index,comprehensive evaluation of student credit value.This thesis selecte several important dimensions,and the model is verified.At the same time,the problems encountered in the practical application of the model are discussed.(4)Realization and verification of college students' loan platformIn the process of system implementation,the client uses HTML5 cross platform technology,the server uses Java language,use MVC design pattern,in the SOA framework,interface development,database using ORACLE relational database.In system security,the RSA encryption algorithm is used to encrypt the transmission data,and the nginx is used to improve the concurrency of the system,and the redis buffer technology is used to improve the access speed of the database.In this thesis,a system prototype is built,and the test method is used to test the system.The test results show that the system is stable,the response speed is fast,and the security and reliability are verified.At the same time,in order to verify the validity and feasibility of the evaluation model proposed in this thesis,the information of 5000 students from the school was collected.We choose these data in 500 cases of experimental research,the experimental results show that the model can give a more reasonable credit evaluation,but there are some extreme cases,need for manual processing.Need to continue to collect the data of the students in more dimensions,and perfect the credit model,so that the credit evaluation is closer to the real situation.