Design And Implementation Of Vehicle Post Loan System

With the rapid rise of the Internet,a new industrial model emerged.At present,many loan models are not only limited to traditional bank loans,but also extended to Internet finance.Auto finance is a part of Internet finance.Because auto finance has the advantages of small amount dispersion,convenient audit,controllable risk and high security,it is more and more popular with consumers.At present,in the field of auto finance,each company's post loan service formulation process model is different.Considering the high customization cost of the system and the risk of leakage of important data,it is totally dependent on the service provider who can not well adapt to the company's development model and changing needs.We need to establish a reasonable and complete post loan system according to our own business needs to reduce the non-performing loan ratio,stabilize the asset quality,control the real-time risk of vehicles,improve the working efficiency of enterprise personnel,and ensure the normal development of business.This paper develops a vehicle post loan management system based on the projects that the enterprise participated in during the internship.Vehicle post loan management system focuses on loan risk,which is a system for effective post loan inspection,overdue collection and risk control of vehicles.The core idea of the system is to focus on customers,to track and manage vehicles,and to collect loans for a series of activities.The system mainly includes four modules: repayment module,asset preservation module,vehicle affairs module and message center module.The repayment module includes three sub modules: repayment management,repurchase management and contract management.Asset preservation module includes five sub modules: collection import,internal collection management,outsourcing management,penalty interest reduction,SMS and outbound call.The vehicle management module includes six sub modules: return visit management,GPS work order,electronic fence,vehicle monitoring,violation management,SMS and outbound call.The message center module includes short message module and outbound call function,which are applied to all modules of the system.In the project,I participated in the system requirements analysis and discussion,technology selection and architecture design,and participated in the whole process of multiple module function development and deployment online.The front-end of the system uses Vue framework,the back-end uses spring MVC framework,the database mainly uses Mysql to develop,and prometheus to monitor and alarm the vehicle,which finally achieves the expected goal,but there is still room for optimization in technology and business,which needs to be improved in the future work.