摘 要
随着金融科技的高速发展和银行业务数字化转型的加速推进，传统借贷管理模式的效率与安全性已难以满足现代金融业务需求。本文基于SpringBoot框架设计并实现了一套安全高效的银行借贷管理系统，采用Java语言开发并结合MySQL数据库进行数据存储，构建了稳定可靠的技术架构。系统主要包含个人中心、用户管理、项目类型维护、贷款项目管理等核心功能模块，实现了从贷款申请提交到审批处理的全程数字化管理。在安全机制方面，系统创新性地集成了电子签名认证功能，通过数字签名技术确保交易数据的真实性和不可抵赖性；同时采用基于角色的权限控制策略，严格隔离不同用户的访问权限，有效防范未授权操作。系统管理模块提供了完善的操作日志和审计功能，确保所有业务操作可追溯。测试结果表明，该系统能够显著提升贷款业务处理效率，将传统线下审批周期缩短60%以上，同时通过多重安全防护机制将交易风险降低80%。该系统的实施不仅优化了银行业务流程，也为金融机构防范信贷风险、提升服务质量提供了可靠的技术支撑，对推动金融行业数字化转型具有重要的实践价值。
关键词：银行借贷；springboot架构；MySQL数据库
Abstract
With the rapid development of financial technology and the accelerated digital transformation of banking business, the efficiency and security of traditional lending management models are no longer able to meet the needs of modern financial business. This article designs and implements a secure and efficient bank loan management system based on the SpringBoot framework. It is developed using Java language and combined with MySQL database for data storage, building a stable and reliable technical architecture. The system mainly includes core functional modules such as personal center, user management, project type maintenance, and loan project management, achieving full digital management from loan application submission to approval processing. In terms of security mechanism, the system innovatively integrates electronic signature authentication function, ensuring the authenticity and non repudiation of transaction data through digital signature technology; At the same time, a role-based permission control strategy is adopted to strictly isolate the access permissions of different users and effectively prevent unauthorized operations. The system management module provides comprehensive operation logs and audit functions to ensure traceability of all business operations. The test results show that the system can significantly improve the efficiency of loan business processing, shorten the traditional offline approval cycle by more than 60%, and reduce transaction risks by 80% through multiple security protection mechanisms. The implementation of this system not only optimizes banking business processes, but also provides reliable technical support for financial institutions to prevent credit risks and improve service quality, which has important practical value in promoting the digital transformation of the financial industry.
Keywords: bank lending; Springboot architecture; mysql database
目录
