【作者】 彭博；

【导师】 杜罗坤； 耿立民；

【作者基本信息】 北京工业大学 ， 软件工程（专业学位）， 2015， 硕士

【摘要】 随着互联网的高速扩张以及金融市场的蓬勃发展,越来越多的用户想通过个人征信进行贷款,以便缓解短期的消费资金压力。结合愈发庞大的房租信贷需求,以及用户良好的市场认知,本文提出了使用智能手机APP来申请办理短期小额信用贷款,以应对个人房屋租赁中出现的年付和季付金融压力的解决方案。用户只需要在手机上下载APP,打开按照步骤填写一些简单的个人基础信息,例如:身份证号,银行信用卡信息,手机信息等,就可以迅速完成小额房租借贷,实现用户季付/年付房租。通过手机客户端简洁的业务流程和友好的APP界面设计,让用户足不出户,任何时间,地点都可以在手机上10分钟内完成小额借贷业务,并通过手机的种种特性(短信,推送消息等手段)提醒用户定时还款,提高了用户的业务使用体验。除去金融业务所需要的征信材料和资质,用户还可以通过手机提交更多的信息,用来增强个人信誉的可信度,如邮箱,任职职位,电商订单数据等。根据这些信息搜索用户在互联网上的行为,服务端通过强大的信贷评估体系进行智能的分析和判断,用来增强用户征信的准确性和可靠性。通过详细的市场调研和分析,为了能够更好的覆盖全网用户,房租信贷手机客户端需要苹果IOS平台和谷歌Android平台这两个平台进行开发。鉴于整个系统是涉及到金融信贷方面的业务,后台业务系统需要对接到银行征信系统,公安个人信息查询系统等大型系统,同时需要在互联网上抓取个人用户信息做智能评估,经过分析和讨论确认服务器应采用JAVA语言进行开发。本文针对房租信贷手机客户端的设计和实现做了详细的说明,包括前期的需求收集和分析,业务的流程分析,系统整体的架构设计以及客户端产品的原型设计/界面设计和客户端管理后台功能设计和界面设计,并且根据项目的实际情况提出了实现整个系统所需的软硬件各项指标和需求。更多还原

【Abstract】 Nowadays, with the Internet has been rapid expansion, financial markets have been booming development at the same time. More and more users tend to using personal credit loans, in order to ease their financial pressure in short-time. Combined with increasingly huge rent credit demand, as well as the good market understanding of users, this paper propose a program which is to use of the smart phone APP to apply for short-term micro-credit loans, also deal with personal period financial pressure.User only need to download the APP, open it, and fill out some individual basis information according to instruction, for example: ID number, bank credit card information, phone information and so on. Therefore, users could be able finished a small amount loan, to achieve seasonal or annual rent. Through simply client business processes, and friendly interface designed to allow users finished a small amount loan in 10 minutes, just stay home, in anytime and anywhere. Also through mobile features reminder users repayment and improvement user experiences.(by SMS, Pushes and so on)Remove financial business credit required materials and qualifications, users can also submit additional information by phone, to enhance the credibility of personal credibility, such as mailboxes, post office, and electricity supplier orders data. According to information search for users on the Internet these acts, the server intelligently analyze and judge by strong credit evaluation system, used to enhance the accuracy and reliability of credit users.Throughout the detailed market research and analysis, in order to cover the entire network users, the rent credit mobile client needs Apple IOS platform and Google Android platform both platforms for development. In view of the whole financial system in relation to the credit side of the business, back-end business systems need to receive bank credit system, public security and personal information query system and other large systems, and the need to fetch the user information on the Internet to make intelligent assessments, through analysis and discussion Verify that the server should use JAVA language development.This paper make a detailed description of design and implementation a housing credit mobile client, including the pre-requirements gathering and analysis, business process analysis, prototyping overall system architecture design and client products, also have the interface design and client management back-office functions design and interface design. Presents the project of hardware and software needed to implement the entire system of the indicators and demand based.更多还原