Design And Implementation Of A Commercial Bank Microfinance Management System

The development of fintech has greatly promoted financial institutions to change their operation mode and effectively improved service efficiency.As the main force of serving agriculture,rural areas and small businesses,with the implementation of the national inclusive financial strategy,its business structure gradually sinks,and the proportion of microcredit business increases year by year.With the help of fintech,the optimization and development of microcredit system can help rural commercial banks to change their business model and improve their risk management ability,while achieving the wholesale customer acquisition of retail business.This dissertation takes the microcredit system of rural commercial bank as the research object,compares the characteristics of several microcredit systems,and focuses on the advantages of easy loan system.On the basis of combing the literature of microcredit system at home and abroad,aiming at the problems existing in the microcredit system of rural commercial bank,this dissertation studies the risk management model of microcredit system,and designs and develops a easy loan system of rural commercial bank on this basis.Firstly,this dissertation study the risk management model of microcredit system and put forward a comprehensive risk management model of the system.The model adopts the evaluation idea of "first coarse then fine,layer by layer screening".Secondly,to solve the problems existing in the credit system of rural commercial bank,we analyze the feasibility of the system construction and the main requirements of the system,mainly including the role-based functional requirements,the requirements of risk management,as well as the safety and performance requirements.Thirdly,the system architecture,function modules and database of the system are designed,and the multi-level risk management model is emphasized.Finally,the paper introduces the related implementation technology,and shows the implementation details and test results of the easy loan system.This dissertation designs and develops the bank microcredit management system which is based on Java programming language,My SQL open source database as well as rule engine and process engine.We implement the functions for the bank and user,and build credit risk assessment model.It is of great significance for rural commercial banks to carry out Internet credit business.