The Design And Implementation Of Business System For Consumer Finance Companies

Consumer finance in various consumption plays an important role in the scene,boost consumer spending power,the society has a great role in promoting economic growth,this pattern of financial innovation at present have been widely used in various countries.In western developed countries,the middle-and low-end personal customers with stable income are the main customers of consumer finance companies.The unique advantages of consumer finance companies include: small credit line,fast approval speed,no mortgage guarantee,flexible loan method,short repayment period,etc.which are popular among different consumer groups.At present,consumer finance is in the stage of rapid development in China.Compared with the traditional financial industry,it is usually smaller in scale,more flexible in business and more diversified in product features.This paper takes the business system of a certain consumer finance loan company as the research background,analyzes the current situation of the existing consumer finance business system,and introduces the implementation process of the consumer finance business system.This article first analyzes the consumer finance business system in the actual application situation at home and abroad,as well as the consumer finance business system of each business function,then introduces the consumer finance business system of common technical solutions,choose according to actual business consumer finance business system,the optimal scheme,described in detail in the process of plan implementation using one of the important business planning and technology planning.This paper focuses on the demand analysis,system architecture design and function realization of consumer financial business system.Through the analysis of the current mainstream consumer finance business system,according to the characteristics of the consumer finance business,made the system to achieve specific goals,namely to build a stable and efficient business systems,both to meet the demand of consumer finance company current business,also will continue in future business growth under the condition of guarantee the availability of the system.The main findings of this paper are as follows:Design and implement a consumer financial business system.Consumer finance companies based on the actual business needs,on the basis of analyzing business module realization process,set up a business system overall architecture and the system module,divided into various business processes can be used in consumer finance loans,has high processing performance,support the concurrent processing,has a complete system structure,characteristics of late support business development.The main programming language of the consumer financial business system is COBOL language,and the system architecture adopts CICS middleware architecture.The database structure design is described in detail.Consumer finance business systems involve more complex business logic,because of its financial sector,certainly will require business systems for data processing of highly accurate and consistent,that is the business architecture design,data structure design and puts forward the high requirements,at the same time the concurrent performance requirements of the system is also very high,system design also want to consider the data read speed and handling performance.The data structure of this system is designed based on the design of the business model,for the consumer finance business system of each business module to establish all kinds of system tables,each table table storage structure and application of a detailed description of the relationship among all did.The detailed design of monthly statement processing module is taken as an example to explain the business interface and implementation at all levels,the internal correlation of each business and the definition of data structure.Business function in the system implementation part,shows the business after the completion of the system interface,for the consumer finance business function is a complete business system cognition,and presents the software and hardware of the system needed to run the configuration list.Finally,on the basis of summarizing the whole paper,the author puts forward some problems to be improved and improved.Through the introduction of the implementation process of the consumer financial business system project,it reflects the general steps of the construction of consumer financial business system and information system.It can bring certain reference value to the same kind of consumer finance business system.Is the consumption of a consumer financial company financial business system has been successfully launched operations,based on the basic business processes of the complete system,greatly improve the consumer finance business management skills and business development ability.