Overseas Loan Management System

A professional Overseas Loan Management System designed for lending companies, microfinance institutions and fintech startups.

海外信贷系统 / Loan System / Lending Platform

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System Features

• Loan application management
• Customer management
• Loan approval workflow
• Repayment schedule
• Payment integration
• Collection management
• Financial reports
• Admin dashboard

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System Screenshots

Dashboard

Loan Management

Customer Management

Collection System

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Suitable For

• Overseas lending business
• Microfinance companies
• Consumer finance platforms
• Installment loan platforms

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Tech Stack

Backend

• Java
• Spring Boot
• MySQL
• Redis

Frontend

• Vue
• Element UI

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System Modules

• Loan Management
• Customer Management
• Repayment Management
• Collection Management
• Payment Integration
• Report System

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Demo

Contact for demo access.

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Source Code Purchase

Full commercial source code is available.

Contact:

Telegram
WhatsApp
Email

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License

This repository only shows partial code and system introduction.

Full source code requires commercial license.

-micro-service

System Architecture

This project adopts a Spring Cloud + Nacos based microservice architecture. All business services are exposed through API gateways, while Nacos is used internally for service discovery and configuration management.

Microservice List

All microservices are registered in Nacos and are accessed and routed through -gateway or -external-callback-gateway.

• -core: Core external business service that provides user management, authentication, order management, and app configuration. Publicly accessible via gateway ({gateway}/-core/**).
• -marketing: Marketing and policy service that provides template management and notification policy management. Publicly accessible via gateway ({gateway}/-marketing/**).
• -notification: Notification center service that integrates third-party SMS, email, app push, and short-link providers.
• -payment: Payment service that integrates with third-party payment providers and exposes unified payout/payin capabilities.
• -collection: Post-loan collection service responsible for case management, outbound/phone collection, and performance statistics.
• -risk-control: Risk control service that includes decision engine, blacklists, and risk-control task scheduling.
• -gateway: API gateway service providing unified routing, authentication, and rate-limiting entry.
• -monitor: Monitoring service based on Spring Boot Admin for service status monitoring and operations.
• -google-play: Google Play data scraping and analysis related service.
• -external-callback-gateway: External callback gateway that receives callbacks from third parties and forwards them to internal services.

Shared and base modules:

• -common-web: Shared web-layer components and base abstractions.
• -utils: Utility classes and common helper methods.

Database

The project uses MySQL as the primary data store and Flyway for database change management. Each microservice maintains its own schema:

• Core DB (-core): User, order, repayment plan, product, dictionary, file, tag and other core-business tables.
• Collection DB (-collection): User, case, contact, notification, performance and other collection-related tables.
• Payment DB (-payment): Account, pay-in/pay-out applications and transactions, channel configuration tables.
• Notification DB (-notification): Notification configuration, SMS/email/app-push, short-link related tables.
• Risk-control DB (-risk-control): Blacklists, decision tasks and execution logs.
• Marketing DB (-marketing): Banner and marketing configuration tables.
• Common DB (-common-web): System events, distributed lock (shedlock) tables.
• Google Play DB (-google-play): App scraping batches, categories, tags and related tables.

Database schemas are managed via Flyway migration scripts under each module's src/main/resources/flyway/ directory. Initial data is stored under each module's init-data/ directory.

Functional Modules

From a business capability perspective, the system can be divided into the following functional modules:

• User & Authentication: Registration, login, authentication status management, device and behavior auditing (-core).
• Order & Repayment: Loan application, order creation, repayment plan generation, extension, and overdue management (-core).
• Post-loan Collection: Case assignment, collection actions, notification triggering, and performance statistics (-collection).
• Risk Control & Blacklist: Application decisioning, customer/IP/device blacklists, and risk-control task scheduling (-risk-control).
• Payment & Cash Flow: Pay-in/pay-out applications, payment query, failure retry, and reconciliation support (-payment).
• Notification & Marketing: Template management, notification policies, bulk SMS/email/app push, short-link tracking, and banner configuration (-notification, -marketing).
• Monitoring & Operations: Service discovery, health checks, Spring Boot Admin monitoring, and event logging (-monitor, -common-web).

Deployment

This project is organized as a Maven multi-module project. Each microservice can be packaged and deployed independently. Typical deployment options:

• Configuration & Service Registry: Nacos is used for configuration management and service discovery. Each environment uses the corresponding Nacos namespace and DataId configured in application-*.yml.

• Runtime options:

  • Run as executable Spring Boot JAR: java -jar <service>.jar --spring.profiles.active=<env>
  • Or build Docker images and deploy via Docker/Kubernetes (each module provides Dockerfiles).

• Entry points:

  • -gateway exposes core and marketing APIs to external clients.
  • -external-callback-gateway receives callbacks from third parties and forwards them to internal microservices.

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  Commercial Source Code Available

  Full commercial source code is available. Includes:

  Full Source Code Database Script Deployment Guide Technical Support

Third-party Dependencies

Gateway

<dependency>
    <groupId>org.springframework.cloud</groupId>
    <artifactId>spring-cloud-starter-gateway</artifactId>
</dependency>

SpringBoot Admin

<dependency>
    <groupId>de.codecentric</groupId>
    <artifactId>spring-boot-admin-starter-server</artifactId>
    <version>2.6.11</version>
</dependency>

Nacos

<dependency>
    <groupId>com.alibaba.cloud</groupId>
    <artifactId>spring-cloud-starter-alibaba-nacos-discovery</artifactId>
    <exclusions>
        <exclusion>
            <groupId>org.springframework.cloud</groupId>
            <artifactId>spring-cloud-starter-netflix-ribbon</artifactId>
        </exclusion>
    </exclusions>
</dependency>
<dependency>
    <groupId>org.springframework.cloud</groupId>
    <artifactId>spring-cloud-starter-loadbalancer</artifactId>
</dependency>
<dependency>
    <groupId>com.alibaba.cloud</groupId>
    <artifactId>spring-cloud-starter-alibaba-nacos-config</artifactId>
</dependency>

RabbitMQ

<dependency>
    <groupId>org.springframework.boot</groupId>
    <artifactId>spring-boot-starter-amqp</artifactId>
</dependency>

Database change management

Flyway

<dependency>
    <groupId>org.flywaydb</groupId>
    <artifactId>flyway-core</artifactId>
    <version>8.2.0</version>
</dependency>

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【全球海外信贷系统源码】Java+Vue+MySQL｜完整贷款流程+风控评分+自动催收+多语言+监管报表

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✅ 项目简介

本系统是一套面向全球市场的海外信贷业务管理平台，采用主流企业级技术栈开发，代码结构清晰、注释完整，可直接部署上线或二次开发。

适合以下买家：

• 想快速切入海外借贷市场的创业团队
• 需要信贷系统进行二次开发的外包公司
• 东南亚、非洲、拉美等新兴市场的金融科技公司
• 想做白标SaaS转售的独立开发者

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代码架构

🛠️ 技术栈

层级	技术
后端	Java 17 + Spring Boot 3.x + Spring Security
前端	Vue 3 + Element Plus + Axios
数据库	MySQL 8.0
缓存	Redis
部署	Docker / Nginx / 支持云服务器一键部署
接口规范	RESTful API + Swagger文档

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🔥 核心功能模块

一、完整贷款申请流程

• 借款人注册、实名认证、资料上传
• 在线申请贷款，支持多种贷款产品配置（额度/期限/利率灵活设置）
• 还款计划自动生成（等额本息/等额本金）
• 借款人端查看账单、还款记录、申请状态

二、智能风控评分模型

• 多维度评分体系（身份、收入、行为、历史记录）
• 评分规则后台可配置，无需改代码
• 自动审批 / 人工复核 / 拒贷三档分流
• 风控决策日志全程留存

三、自动催收系统

• 逾期自动识别，按天数分级（M1/M2/M3）
• 自动发送催收通知（短信/邮件模板可配置）
• 催收工单分配，支持人工跟进记录
• 减免/展期/协议还款流程支持

四、多语言支持

• 前端i18n国际化框架，已内置英语
• 语言包结构清晰，扩展新语言只需添加配置文件
• 适配东南亚、拉美、非洲多国市场

五、监管报表

• 放款统计、回款统计、逾期分析
• 资金流水报表（支持按日/周/月导出）
• 监管所需格式报表（Excel导出）
• 图表可视化Dashboard，数据一目了然

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📦 购买包含内容

• ✅ 完整前后端源码（无加密）
• ✅ 数据库建表SQL脚本
• ✅ 本地开发环境搭建文档
• ✅ 服务器部署文档（含Docker方案）
• ✅ Swagger接口文档
• ✅ 7天免费技术答疑（QQ/微信）

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💰 适用场景 / 变现方式

用途	预期收益
直接部署，对外承接信贷业务	按贷款规模盈利
二次开发后卖给金融公司	外包项目 ¥5万–¥50万
改造为白标SaaS按月收费	$500–$5000/客户/月
定制后转售海外市场	海外项目利润更高

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⚙️ 运行环境要求

• JDK 17+
• Node.js 18+
• MySQL 8.0+
• Redis 6.0+
• 服务器：2核4G起（推荐4核8G生产环境）

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系统截图

❓ 常见问题

Q：代码有加密吗？ A：无任何加密，购买后获得完整源码，可自由修改商用。

Q：能部署到海外服务器吗？ A：完全支持，已在AWS、DigitalOcean、阿里云海外节点验证部署。

Q：支持定制开发吗？ A：支持，可联系作者报价，按需定制。

Q：有演示地址吗？ A：联系客服获取在线演示账号。

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📞 联系方式

购买前建议先看演示，满意再下单 QQ / 微信：18382383113 weixin: 有任何技术问题，购买后7天内免费解答

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