基于Rose框架的互联网金融风控系统的设计与实现

发布时间：2018-02-16 06:06

本文关键词： Rose框架 Spring MongoDB 互联网金融风险控制　出处：《北京交通大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,越来越多的互联网金融公司出现在人们面前,然而由于我国信用体系尚不完善,用户恶意骗贷、卷款跑路的问题时有出现。金融行业的本质是风险管理,这对互联网金融来说也是一样。搜易贷公司研发互联网金融风控系统,旨在为公司P2P小微额借贷业务提供风险控制保障,确保将资金借给合格的贷款人,从而保证资金的安全。该系统的开发对公司业务的进一步发展至关重要。互联网金融风控系统由多个模块组成,本文主要涉及外部征信数据对接、大数据后台管理、风控规则配置、聚信力应用四个模块,它们是互联网金融风控系统的关键组成部分。本文首先分析了该系统的项目背景及意义,国内外研究现状,并给出论文的主要内容和组织结构。随后,介绍了系统实现过程中应用的相关技术。在此基础上,对系统进行需求分析,确定了系统的功能性需求和非功能性需求,得到系统各功能的用例图。在概要设计部分,列出了系统各模块的功能结构,并给出系统的技术方案和数据库设计方案。在系统详细设计与实现部分,对各个模块进行类设计,给出流程图和重点功能的时序图,对其实现逻辑和实现过程中各方法的调用关系进行了详细的说明。最后,在系统测试部分,对系统的功能性测试与非功能性测试进行了介绍,并给出部分测试用例。作者在搜易贷实习期间参与开发本项目,主要负责外部征信数据对接模块、大数据后台管理模块、风控规则配置模块和聚信力应用模块的设计与研发。工作内容包含:参与模块的需求分析,进行模块的概要设计,详细设计并开发实现模块功能,包括后台代码的开发和前端页面的开发,并对上线的功能模块进行维护。目前,互联网金融风控已上线运行,很好的满足了用户对互联网金融业务风险控制的需求,并在迭代开发的过程中逐渐添加新的功能。该系统不仅保证了公司的资金安全,同时帮助公司形成了一套有序、有效的金融风险控制流程。
[Abstract]:In recent years, more and more Internet financial companies appear in front of people. However, due to the imperfect credit system of our country, the problem of malicious loan fraud by users and the problem of rolling money running, the essence of financial industry is risk management. The same is true for Internet finance. Suiyi has developed the Internet Financial risk Control system, which is designed to provide a risk-control guarantee for the company's peer-to-peer small and micro lending business and to ensure that funds are lent to eligible lenders. The development of the system is very important to the further development of the company's business. The Internet financial risk control system is composed of several modules. This paper mainly involves external credit data docking, big data backstage management, The allocation of risk control rules and the application of cohesion are the key components of the Internet financial risk control system. Firstly, this paper analyzes the project background and significance of the system, and the current research situation at home and abroad. The main contents and organization structure of the paper are given. Then, the related technologies used in the implementation of the system are introduced. On this basis, the requirements of the system are analyzed, and the functional requirements and non-functional requirements of the system are determined. The use case diagram of each function of the system is obtained. In the part of summary design, the functional structure of each module of the system is listed, and the technical scheme and database design scheme of the system are given. In the part of the detailed design and implementation of the system, the class design of each module is carried out. The flow chart and timing diagram of key functions are given, and the logic of the system and the relation between the methods in the implementation are explained in detail. Finally, in the part of system testing, the functional test and non-functional test of the system are introduced. Part of the test cases are given. The author is involved in the development of this project during the practice of easy loan, mainly responsible for the external credit data docking module, big data backstage management module, The design and development of risk control rules configuration module and application module of aggregation force. The work includes: participating in the requirement analysis of the module, designing the module outline, designing and developing the module function in detail, Including the development of back-end code and the development of front-end pages, and the maintenance of functional modules on the line. At present, Internet financial risk control has been running online, which meets the needs of users for the risk control of Internet financial business. The system not only ensures the company's capital security, but also helps the company to form a set of orderly and effective financial risk control process.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4;TP393.09

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