Design And Implementation Of One-click Loan System In Bank Credit

With the rapid development of Internet finance,all kinds of business of banks have been greatly impacted,but credit business is still the core business of banks,so improving the competitiveness of credit business has become an important goal of the development of Bank Science and technology and business.It is one of the competitive advantages for commercial banks to improve the quality of service for high-quality customers through efficient technology,while screening out high-risk customers and retaining high-quality customers will become a powerful means for banks to compete.Improving the efficiency of customer service and speeding up loan approval and credit will become the main means for commercial banks to attract large customers.However,due to security considerations,a large domestic commercial bank guarantees customer information and related information through multiple systems,which forms that the same set of data must have multiple system entries,resulting in repeated input of information between different systems,which leads to inefficiency of credit lending business and data redundancy.How to ensure strict approval process and reduce the same information repeated input,that is,to improve the efficiency of credit lending business,has become a major problem to be solved.Then,how to effectively predict the risk category of a customer and avoid the occurrence of non-performing loans is another problem to be solved.Therefore,it has good research and application value to establish a one key lending system that can identify high-quality customers.Based on the above reasons,the main contents and work of this paper are as follows:(1)Analyze the credit business of universal significance,and then discuss the development of loan business of overseas banks and countries.The design of inter-bank lending system in domestic banks and the risk of banking system after the 2008 financial crisis are analyzed.The overall scheme of one-key lending system for commercial banks' credit business is put forward,the demand of the system is defined,and the use case model is established.(2)Discuss the risks and solutions in the process of interaction between the key lending system and the core accounting system,involving high availability,high security,high performance and maintainability,and focuses on the data security risks brought by the interaction between the two systems.(3)Analyze the algorithm of customer risk classification,discuss the comparison of different classification algorithms and the analysis of algorithm principle.(4)Requirement analysis on one key lending system and customer risk classification,and the architecture design is carried out according to the requirement.The architecture of the system is designed from the perspectives of overall architecture,logical architecture,data view,application deployment and system environment design.(5)The detailed design of the two key use cases of maintenance credit information ?withdrawal audit process and one-key in the system is described,and the class diagram and sequence diagram are designed by using object-oriented technology.(6)This paper also tests the function and pressure of a one-button lending system,and the function and performance of the system have passed the test.Aiming at the credit business process of a large domestic commercial bank(A bank for short),this paper presents a solution of one-key lending system.The one-key lending system was put into operation in 34 branches in China in May 2017.Since its operation,19 months of successful use have proved the security,availability and high performance of data interaction,and satisfied the uninterrupted business of 34 branches.