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摘要摘要基于B/S模型的个人住房贷款系统设计与实现在房屋资源紧缺的当今，个人房屋贷款已经成为了一种重要的买房资金筹备方式。本文阐述房屋个人贷款业务研究基础上，设计和实现个人房屋贷款系统。本系统基于对个人贷款的详细研究，开发个人贷款流程的各个模块，编写使用过程，极大减少系统使用者的工作量。另外系统提供的网络操作机制是优秀的系统安全性和维护性的保障。本系统实现了个人贷款系统的模式化、一体化、人性化和全面化要求。本论文针对个人房屋贷款的现状和流程，在对银行业务进行了全面、系统分析的基础之上，进行研究开发，设计并实现了以个人房屋贷款业务为主的个人贷款系统。系统不但可以全面一体化的体现个人房屋贷款的流程，并且在整个过程中提供方便快捷的操作。在此基础之上，本文还对于个人贷款风险进行了研究，对于防范和解决个人风险问题做出探讨。本系统实现更加人性化和系统化的个人贷款业务管理，并且为了达到更好的维护性和安全性，提供地域性管理、分级式管理、网络式登录等多种方案。系统进一步分为四个主要模块，每个模块会根据贷款人的贷款情况提供不同时期所需的操作内容，模块式的系统编写将更加清晰，并且提高系统客观性，减少了用户使用难度。系统是建立在B/S模型之上的网络管理系统，可以提供更好的维护。除此之外，系统更考虑到安全性问题，提供了操作员分级机制和地域性管理机制，是对于用户和贷款人使用安全的重要保障。本系统是基于JAVA和SQLServer2008编写的系统。数据库方面，系统将大体分为两个部分，在将系统使用者和系统运行数据分离的基础上，提供更清晰、人性化的数据管理。通过系统测试，验证了系统的功能性，安全性和有效性。系统的最终目的是实现一种规范有效并且易操作经济的个人房屋贷款系统，为贷款的操作方和贷款方提供有效可靠的贷款流程保障。先进技术在个人房屋贷款管理系统中的应用，不仅仅是为了将现有的个人贷款工作做得更出色，重要意义在于提供了一种具有规划性的个人房屋贷款系统，这对于贷款人和操作员双方面都是有益的行为。关键词：个人贷款系统；模块化；数据库多级数据分离；B/S网络框架AbstractAbstractDesignandImplementationofPersonalHousingLoanSystemwhichbasedonB/SModuleNowadays,sincethehousingresourcesshortageappearednowadays,individualhousingloansbecameanimportantmethodtofinancingit.Thispaperdesignedandfinishedthepersonalloansinhousingbasedonthedeepstudyofitandprogramtheindividualhousingloansystem.Thesystemisbasedonthedetailedstudyofpersonalloans,committedtotheprocessofmodulesofpersonalloans.Morehumaneintheprocessofpreparationgreatlyprovidetheuser’sworkload.Otherwisethesystem’snetworkoperatingisexcellentforthesystem’ssecurityprotection.Thissystemmadethepersonalloanssystemmoremodeling,integrationandfullofhumanerequirements.Inthispaper,thestatusandprocessofpersonalhousingloan,inthebankingbusinessconductedacomprehensive,systemonthebasisoftheanalysis,researchanddevelopment,designandimplementationofpersonalhousingloanbusinessbasedpersonalloansystem.Thesystemcannotbeonlyfullyintegratedembodimentofpersonalhousingloanprocedures,andthewholeprocesstoprovideaconvenientmodeofoperation.Onthisbasis,thisarticlealsowasstudiedbypersonalloansrisk,topreventandresolvepersonalrisktomakediscuss.Thesystemprovidemorehumaneandsystematicmanagementofthepersonalloanbusiness,andinordertoachievebettermaintenanceandsecurity,thesystemalsoprovideregionalmanagement,hierarchicalmanagement,network-typelogonandotherprograms.Systemisfurtherdividedintofourmainmodules,eachmodulewillbasedonthelendertoofferdifferentperiodsofloansoperations,themodularsystemwillbemoreclear,alsoincreasetheobjectivityofthesystem,reducetheuser’soperations’difficulties.Inaddition,thesystemisbasedonB/Smodelwhichcanprovidebettermaintenance.Otherwise,thesystemalsoinviewofsecurityissues,provideagradingsystemoperatorsandregionalmanagementmechanismwhichisthelenderfortheusersandtheimportanceofsafeprotection.ThefollowingsystemisbasedonJAVAandSQLServer2008.Thesystemdividesitsdatabaseintotwopartstoprovidethesystemusersmoreclearanduser-friendlydatamanagement.Fromsystemtesting,corroboratedthefunctionality,securityandeffectivenessofthesystem.Thesystemistoachievetheultimategoalofaneffectiveandeasyoperationeconomyofthepersonalhousingloansystem,methodofoperationforloansandlendersprovideeffectiveandreliableloansecurityprocess.Advancedtechnologyinindividualhousingloanmanagementsystemapplication,notonlyfortheexistingpersonalloansfordoingabetterjob,importantsignificanceliesinprovidingaprogramofpersonalhousingloansystem,whichthelenderandoperatordoublerespectisbeneficialbehavior.AbstractKeywords：Individualhousingloans;Modularize;DatabaseDividedIntoLevels;B/SNetworkFramework目录I目录摘要................................................................................................................IABSTRACT.........................................................................................................II目录................................................................................................................I第1章绪论...............................................................................................11.1研究课题与背景........................................................................................11.2研究目的与意义.........................................................................................11.3个人贷款概述............................................................................................21.3.1个人贷款种类.....................................................................................21.3.2个人贷款程序.....................................................................................31.3.3个人贷款风险管理..............................................................................31.4本文研究工作............................................................................................41.5本章小结....................................................................................................4第2章系统关键技术.......................................................................................62.1JAVA开源简介及与C#的对比.................................................................62.1.1JAVA语言运算符简介........................................................................62.1.2JAVA与C语言的对比.................................