小额信贷电子商务平台建设

发布时间：2018-01-21 18:42

本文关键词： 小额信贷电子商务管理平台框架技术　出处：《湖南大学》2012年硕士论文　论文类型：学位论文

【摘要】：小额信贷作为一种补充性的融资渠道为小微企业和个人带来了希望，因此在全国各地兴盛起来。但随着其发展前景的逐渐明朗，，也开始逐渐暴露出许多问题，如贷款过程复杂导致大大延误客户取得贷款的时限、客户评估资料不足致使客户评估困难等。于是构建一个高效、快捷、方便小额贷款的电子商务管理平台，对提高发放贷款及还款的工作效率具有举足轻重的作用。本文以湖南省农村信用社小额信贷电子商务管理平台项目设计为依托，比较分析传统的和新型的信贷业务系统模式，根据湖南省农村信用社小额信贷电子商务管理平台的实现的目标和原则，提出了小额信贷电子商务管理平台的设计思路，并对涉及的相关技术进行研究分析。之后，本文对小额电子商务平台的主要模块进行设计，包括主要模块的基本结构、接口模块、系统管理模块、日始日结模块、客户管理模块和业务管理模块。同时，基于Struts、Hibernate、Spring框架技术，在windows平台上设计和实现了小额信贷电子商务管理平台。该小额信贷电子商务管理平台通过internet渠道接入，在新型信贷业务系统模式中起到很好拓展作用，具有很好的扩展性和稳定性。接下来，本文通过模块调动测试、交易测试以及压力测试对该小额信贷电子商务管理平台进行测试分析。测试结果显示该平台的表结构合理，系统架构符合现代软件发展趋势要求，能很好地扩充功能；软件和硬件的选配很合理，能最大限度满足农信社的业务拓展需求。最后，本文对以后的进一步改进做出展望。
[Abstract]:Microfinance as a supplementary financing channel for small and micro enterprises and individuals brought hope, so it flourished throughout the country, but with its development prospects gradually clear, also began to expose a lot of problems. If the loan process is complicated, the time limit of obtaining the loan is greatly delayed, and the customer evaluation information is insufficient, it is difficult to evaluate the customer. So we build an efficient, fast and convenient electronic commerce management platform for small loans. It plays an important role in improving the efficiency of loan and repayment. Based on the project design of the micro-credit electronic commerce management platform of Hunan Rural Credit Cooperative, this paper compares and analyzes the traditional and new credit business system model. According to the realization goal and principle of the micro-credit electronic commerce management platform of Hunan rural credit cooperative, this paper puts forward the design thought of the micro-credit electronic commerce management platform. Then, this paper designs the main modules of the small e-commerce platform, including the basic structure of the main modules, interface module, system management module. At the same time, based on Struts hibernate Spring framework technology. The micro-credit e-commerce management platform is designed and implemented on the windows platform. The micro-credit e-commerce management platform is accessed through the internet channel. In the new credit business system model plays a very good role in expansion, with good scalability and stability. Next, this paper through the module transfer test. The test results show that the table structure of the platform is reasonable and the system architecture meets the requirements of the development trend of modern software. Can expand the function very well; The choice of software and hardware is very reasonable, and can meet the needs of rural credit cooperatives to the maximum extent. Finally, this paper prospects for further improvement in the future.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：TP311.52;F832.4

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