Intelligent Analysis and Visualization of Loan Approval Based on Spring Boot

DOI: https://doi.org/10.62517/jike.202504415

Author(s)

Yifan Guo1, Jingjing Huo1, Qingfeng Zhou2

Affiliation(s)

1College of Artificial Intelligence and Big Data, Henan University of Technology, Zhengzhou, Henan, China 2iFLYTEK Co., Ltd., Hefei, Anhui, China

Abstract

Aiming at the pain points of low efficiency, subjective decision - making and lagging risk control in traditional loan approval systems, this study designs and implements an intelligent analysis system for loan approval. The system uses technologies such as Spring Boot and ECharts to build a multi - dimensional data visualization platform covering visual analysis of loan approval, intelligent decision-making, user profiling, risk assessment, etc. Tests show that the system can significantly improve approval efficiency, reduce subjective decision -making bias, strengthen full - process risk management and control, and provide personalized services for customers. This system provides a low-cost, highly adaptable and easily implementable digital solution for small and medium - sized financial institutions, and has positive practical significance for promoting the transformation of the financial industry from "experience-driven" to "data - driven".

Keywords

Loan Approval; Data Visualization; Intelligent Decision - Making; Risk Assessment; User Profiling

References

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