芜湖扬子农商银行贷款定价系统设计与实现

发布时间：2018-03-25 12:13

本文选题：贷款定价　切入点：统一建模语言　出处：《大连理工大学》2015年硕士论文

【摘要】：随着我国利率市场化进程的逐步推进和金融买方市场的形成,农商银行金融产品和服务的价格问题显得越来越重要,如何定价已经成为农商银行经营管理和市场营销的重要环节。银行通过适合的贷款定价系统来提升银行业务处理的效率,同时,通过该业务系统的运用,更有利于银行的快速发展。本文首先针对银行贷款定价系统对于效率及服务的需求,采用B/S模式的网络信息管理方法。此外,根据银行内部系统的特点,对于需求分析,系统设计,以及系统的具体功能的分析,并专注于行业背景需求,并且采用系统的静态模型,同时采用UML用例图和广泛使用的对象模型；通过Java的开发工具基于JSP技术进行开发。对静态建模采用了UML用例图与类图来进行,对于动态分析也采用了UML状态图、时序图、活动图对系统进行了模块化和流程设计。本文首先对商业银行贷款定价业务现状进行了调查研究,充分分析了当前贷款定价系统设计与开发的现状,在做了详细的系统需求分析的基础上,将该贷款定价系统主要划分为系统管理、定价管理、参数管理和对公贷款定价四个模块,采用统一建模语言对系统各个模块和系统整体进行动态和静态建模,包括设计了系统的用例图、类图、流程图、时序图等模型,从而更加准确的理解系统需求,更加合理的对系统进行设计,既保证了系统模块化设计,又有效的对系统进行了集成,充分实现了系统各模块的功能,达到了用户对于需求的要求,保证了系统能够高效、安全、稳定的运行,也为贷款定价业务的现代化和信息化打下了坚实的基础。本系统通过大量测试用例的黑盒测试,在充分测试基础上,对系统出现的问题进行了代码级别的分析,查找原因,进行了全面的修改,对软件测试中发现的全部问题进行了修正,从而保证系统能够满足需求,为用户提供安全高效可靠的服务。另外,通过大量的测试工作,系统在功能实现上已经完全符合用户要求,证明系统已经能够满足需求,得到正确的实现。
[Abstract]:With the gradual promotion of interest rate marketization and the formation of financial buyer's market, the price of financial products and services of agricultural and commercial banks is becoming more and more important. How to price has become an important link in the management and marketing of agricultural and commercial banks. Banks improve the efficiency of bank business processing through the appropriate loan pricing system, at the same time, through the use of the business system, Firstly, according to the demand of bank loan pricing system for efficiency and service, this paper adopts the network information management method based on B / S mode. In addition, according to the characteristics of the bank's internal system, the paper analyzes the demand. The system design, as well as the analysis of the specific functions of the system, focuses on the industry background requirements, and adopts the static model of the system, the UML use case diagram and the widely used object model. The static modeling is based on UML use case diagram and class diagram. For dynamic analysis, UML state diagram and sequence diagram are also used. In this paper, the current situation of loan pricing business in commercial banks is investigated, and the current situation of loan pricing system design and development is fully analyzed. On the basis of detailed system requirement analysis, the loan pricing system is divided into four modules: system management, pricing management, parameter management and pricing of public loans. The dynamic and static modeling of each module and the whole system is carried out by using the unified modeling language, including the design of the use case diagram, class diagram, flow chart, timing diagram and other models of the system, so as to understand the system requirements more accurately. The system is designed more reasonably, which not only ensures the modular design of the system, but also effectively integrates the system, fully realizes the functions of each module of the system, meets the requirements of the users, and ensures the system to be efficient. The safe and stable operation has laid a solid foundation for the modernization and informatization of loan pricing business. The problems appeared in the system are analyzed at the code level, the reasons are found, the overall modification is made, and all the problems found in the software test are corrected, so as to ensure that the system can meet the requirements. In addition, through a lot of testing work, the system has fully met the requirements of the user in the implementation of the function, proving that the system has been able to meet the needs of the correct implementation.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.52

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