start date:
March 26, 2023
background:
The logic of bank credit and financial business is complex, and the business logic is sorted out from the beginning to facilitate the development of banking system functions
Function flow:
Lender application - pre-loan investigation eligibility - bank approval - successful loan - repayment plan
Lender Application :
Collect lender information, including lender name, phone number, ID card, bank card
Loan Type:
Wrong lender asset mortgage: car, house, etc. Credit Loans
Pre-loan investigation eligibility (key points):
According to the lender's information, evaluate the loan rules (key points), creditworthiness, lender's repayment ability (check the lender's provident fund, social security, bank statement), and whether there has been a loan before
Loan Repayment Options:
a. One-time interest with principal liquidation method
Pay off the principal and interest in one lump sum after the loan matures
b. Installment payment and one-time repayment method
The interest shall be paid in installments within the period stipulated in the contract. The principal is paid off in one lump sum after the loan matures. The interest that cannot be paid on time shall be compounded according to the interest rate of the loan contract.
c. Equivalent principal and interest method
Repay the principal and interest in equal installments each installment. The calculation formula is: principal x repayable amount per yuan per installment. Here, the repayable amount per yuan per installment needs to be calculated in advance based on the loan interest rate.
d. Equal principal amount method
Repayment of equal amount of principal plus interest payable in each installment. The calculation formula is: principal ÷ total number of periods + remaining principal × interest rate per period.
Bank Approval:
Successful loan, generate corresponding repayment plan (day, month, quarter), including repayment cycle (number of installments), repayment method (interest first, principal, equal repayment), repayment amount (principal + interest), Repayment operation (automatic or manual)
Repayment Notice :
Every month until the repayment date, the outstanding payment will be notified by text message or phone call
Personal Information Inquiry :
loan order, repayment plan
Approximate demand function points:
Customer registration information, customer update information, query information
Apply for a loan (customer identity verification, loan rule verification, user credit verification, black and white list, flow, social security information), approval chain: the processor of each link
Loan information: information about each type of loan
Loan rules: each type of loan has different rules
Early warning information: Check abnormal loan early warning processors, regularly review customer qualifications
flow chart:
UI interface:
Customer registration:
Select the type of loan:
Fill in the registration information:
The background manager handles:
Loan application order approval:
Approval End Notification:
Loan flow chart
Technical solutions:
后端：springboot mysql mybatis
前段: 待定
数据库表：loan_customer_info （客户资料表
）loan_application（贷款申请信息表）+ ====
操作类：用户注册身份、用户查询（更新）信息、贷款的种类操作、预警信息、
规则类：每种贷的校验规则
校验类：用户征信信息、客户信息、贷信息、黑白名单
角色类：每种贷对应不一样的审批角色
缺少点：
因为没有社保、工资流水、征信资料，所以用模拟数据，设置了个等级，通过几个数据的相加，来判定申请贷款客户的最终等级（3<=X<6 走全流程 6<=x<9 走短流程 x>=9直接审批），来选择不一样的审批链逻辑。
进度过程展示：
1.学学怎么使用vue，尝试先查了下数据映射到了表格中（数据为瞎造的）
进度：
1.0期（0326）：初步写了需求方案功能点
1.1期（0405）：开发了客户注册，更新，查询信息功能，2张表设计
1.2期（0408）：补全功能流程图、UI界面图、开发的功能点、功能分类、开发注册新贷功能
1.2期（0409）：新增保存贷款申请信息，
1.3期（0422）：新增闪电贷角色，新增定期审核客户资质四张表+角色表，优化下返回的数据结果处理，新增下一审批链选取角色处理人，新增客户申请贷款成功审批信息，
1.4期（0429）：光写后端接口有点枯燥，研究了一下午怎么去使用vue，搭建前端页面一起做
（0430）：做了个登陆界面
（0429）--（0501）：
入口：登录界面，注册账号界面
用户操作界面：客户注册贷款资料界面，查询所有贷款品种界面，注册贷款资料界面
管理员界面：管理员界面，查看用户贷款申请订单界面，查看用户资料信息界面
对应加了一些后端接口