Design And Implementation Of Loan Assistance Platform

Nowadays,with the development of society,people's life is more and more affluent,and there are more and more idle funds.Through simple and risk controllable investment,idle funds flow to obtain rich profits has become a common social demand.But today's personal financial investment environment is not optimistic.As a representative of high-yield and high-risk personal investment,P2 P institutions have been exposed to thunderbolt events one after another,and the annual interest rate of borrowing more than 36% has also been officially identified as illegal.In summary,the main contradiction lies in: there is a high information barrier between the creditor and the debtor.The individual who holds the idle funds(hereinafter referred to as the creditor)is afraid to release the money easily due to the lack of basic understanding of the borrower,while the person who needs the money(hereinafter referred to as the debtor)is struggling to find a suitable way to obtain the funds,and finally has no choice but to usury.Therefore,our project is to eliminate this kind of information barrier,provide the creditor with a trustworthy access channel,and provide them with more secure risk control measures;provide the debtor with legitimate interest rate and controllable cost lenders.This project mainly uses the existing loan data of the platform to build a set of member system to reduce the cost of getting customers for creditors,eliminate the information barrier between creditors and debtors,solve the problems such as the low success rate of debtor's loan,reduce the risk of creditor's loan,improve the quality of users,and provide members with valueadded services such as accurate analysis of loan risk.The platform is mainly composed of member management module,friend recommendation module,credit query module,marketing tool module,message module and background management module.The background of the loan risk analysis platform designed in this paper is mainly developed by java language and implemented by microservice architecture to ensure the stability,security and high availability of the platform.This paper first introduces the background of the project and the current situation at home and abroad,then introduces the technical theory used to build the platform,then analyzes the functional requirements and non functional requirements of the project,then gives the functional structure,system architecture,technical architecture and database design of the platform in the outline design module,and then in the detailed design chapter The implementation of the key modules of the project is introduced by means of class diagram and sequence diagram.Finally,the functional test and non functional test of the project are given in the chapter of system testAs one of the project developers,I joined in the early stage of the project,and participated in the system architecture design and module division.In the development process,I mainly participated in the design and development of the member management module,friend recommendation module,credit report query module in the credit query module and the marketing promotion tool module,and finally cooperated with the test online.At present,the project has been launched and is in the normal use stage of users.Among them,there are about 500 members and 4000 authorized users.The project aims to eliminate the information barrier between debtors and creditors,so that users can reach loan intention in a more transparent and secure situation.