Design And Implementation Of Microfinance Management System For Rural Commercial Bank

The development of the bank reflects the level of economic development of the country to a certain extent.In order to support innovation and entrepreneurship,the Rural Commercial Bank has vigorously opened up the loan business for small and micro enterprises.However,due to the characteristics of small and micro enterprises' own development,it is difficult for banks to obtain their credit data.The credit line is difficult to assess,which makes it difficult for small and micro enterprises to raise funds.Some shortcomings such as low efficiency of business development and low level of management of funds redemption.Based on the consideration of the above problems,based on the analysis of the problems existing in the micro-loan of the Rural Commercial Bank,the paper uses the MVC model,the B/S framework and the spring framework to design and develop a small loan for the Rural Commercial Bank.Management system,the system designs and implements seven core functional modules including customer management,survey application,contract management,billing management,post-loan management,risk classification,and system management.The design goals of the system were developed at the beginning of the design,and the system architecture and network architecture related design were carried out according to this goal,and the workflow engine of the WFMC architecture was also designed.After the development tools and the operating environment are determined,the various functional modules of the system are designed,and the corresponding objects of the workflow engine implementation are determined before the design,and the workflow engine is implemented.Subsequently,the implemented micro-loan management system will perform functional and performance tests,all of which meet the expected requirements of the system.At the technical level,the system integrates the workflow engine model of WFMC architecture into the small and micro loan management system of the Rural Commercial Bank.The purpose is to make the system more intelligent and convenient,and to add workflow design and implementation in the text.By establishing a small micro enterprise credit rating model and a credit decision model,the system can help the rural commercial bank to understand the loan risk andreal loan demand of small and micro enterprises more quickly and accurately.On the basis of reasonable financial support for small and micro enterprises,Effectively control the risk of loans and establish a good platform for cooperation between rural commercial banks and small and micro enterprises.