CN111142855A - Software development method and software development system - Google Patents

Software development method and software development system Download PDF

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Publication number
CN111142855A
CN111142855A CN202010257111.6A CN202010257111A CN111142855A CN 111142855 A CN111142855 A CN 111142855A CN 202010257111 A CN202010257111 A CN 202010257111A CN 111142855 A CN111142855 A CN 111142855A
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component
target software
software
data
model
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CN111142855B (en
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唐镇坤
李远鑫
杨安
姚俊隆
林汉生
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China Post Consumer Finance Co Ltd
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China Post Consumer Finance Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F8/00Arrangements for software engineering
    • G06F8/20Software design
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F11/00Error detection; Error correction; Monitoring
    • G06F11/36Preventing errors by testing or debugging software
    • G06F11/3668Software testing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F8/00Arrangements for software engineering
    • G06F8/30Creation or generation of source code
    • G06F8/34Graphical or visual programming
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

Abstract

The invention relates to a software development method and a software development system, wherein the software development method comprises the following steps: s1: acquiring information of a component library, and calling a component by a user according to the requirement of target software; s2: querying a component matched with the target software in a component library; if the components required by the target software are completely matched, forming a target software model; if the service components required by the target software cannot be completely matched, performing step S3; s3: receiving information of the newly added component, and adding the new component in a component library to form a target software model; s4: receiving the parameter factors and mapping and description of components corresponding to the parameter factors; s5, receiving the test command, testing the target software model and outputting the test result; s6: calling out components matched with the target software in a component library according to the target software model, assembling the target software, and generating a target software installation file; the software development method can solve the problem of service coupling of loan products in the rapid iteration process.

Description

Software development method and software development system
Technical Field
The present invention relates to the field of software development technologies, and in particular, to a software development method and a software development system.
Background
Loan products on the market are more and more abundant at present, and the requirements of services on quick innovation and quick iteration of the products are higher and higher. However, the traditional loan product system has serious service coupling, and each new loan product with large differentiation has a long period, so that the market demand cannot be met.
In addition, the traditional loan core application technology adopts a chimney type and transaction type design, so that the service coupling is too heavy, and the condition causes that service personnel can only provide some surface requirements, and cannot deeply understand how the combination of various account attributes of loan products forms an account scene which meets the requirements.
Therefore, a need exists to address the problem of business coupling of loan products in a fast iterative process.
Disclosure of Invention
Based on this, there is a need for a software development method and a software development system that can solve the problem of business coupling of loan products in a fast iterative process.
In one aspect, an embodiment of the present invention provides a software development method, including the following steps:
s1: acquiring information of a component library, and calling a component by a user according to the requirement of target software;
s2: querying a component matched with the target software in a component library; if the components required by the target software are completely matched, forming a target software model; if the service components required by the target software cannot be completely matched, performing step S3;
s3: receiving information of the newly added component, and adding the new component in a component library to form a target software model;
s4: receiving the parameter factors and mapping and description of components corresponding to the parameter factors;
s5: and calling out the components matched with the target software in the component library according to the target software model, assembling the target software, and generating a target software installation file.
Preferably, the software development method further comprises the steps of:
s6: packaging all parameters and data information into a data model, reading a service logic configuration file, acquiring an execution sequence, and injecting the data model into a corresponding service component for execution;
and S7, receiving the test command, testing the target software and outputting the test result.
Preferably, a component directory is arranged in the component library, the component directory comprises a plurality of categories, and the components are distributed in the component directory according to the categories; in step S3, if no matching category is found in the adding process, a new category is created, and then a new component is added to the new category.
Preferably, the software is loan software, and the components comprise a business component, a data component, a resource component and an accounting component;
the business components comprise an interest rate pricing component, a repayment plan generating component, a repayment amount distributing component, an interest calculating component, a penalty calculating component, an advance repayment commission calculating component, a staging commission calculating component, a preferential amount calculating component, a withholding upper limit control component, an accounting adjustment component, a loan state conversion component, a risk division registration sub-component and a interest amortization component;
the data component includes:
the data model mapping component is used for mapping the data model component on the data table;
the data operation component is used for converting the data model in the service process and operating a corresponding data table;
the resource assembly comprises:
the database resource component is used for managing various commonly used databases and mainly used for establishing links and controlling transactions;
and the middleware resource component manages the middleware Swift, the Kafka and the Zookper.
Preferably, the parameters include a basic parameter, a release parameter, a repayment parameter, an interest parameter, and a billing parameter.
The present invention also provides a software development system, the system comprising:
the component library is used for storing components;
the component newly building module is used for building a new component according to the requirement of the target software;
the component warehousing module is used for adding the newly generated components into the component warehouse;
the component selection module is used for selecting a proper component from the component library through a visual interface;
the model generation module is used for converting the selected component into a target software model and displaying the target software model through a visual interface;
the parameter factor mapping module receives the parameter factors and the mapping and description of the components corresponding to the parameter factors;
and the component assembly module generates a target software installation file according to the target software model, and comprises a software assembly engine.
Preferably, the software development system further includes:
the data matching module is used for packaging the parameter information and the data information into a data model, and injecting the data model into a corresponding component and executing the data model after reading the service logic configuration file and acquiring the execution sequence;
and the model test module provides a test result of the target software by testing and analyzing the target software.
Preferably, the software development system further comprises a component management module, which adds the newly added components into the corresponding source code management server according to the category of the catalog; the component library is internally provided with a component directory, the component directory comprises a plurality of categories, the components are distributed in the component directory according to the categories, and if a matched category is not found in the adding process, a new category is newly established and then added.
Preferably, the components include a business component, a data component, a resource component, and an accounting component;
the business components comprise an interest rate pricing component, a repayment plan generating component, a repayment amount distributing component, an interest calculating component, a penalty calculating component, an advance repayment commission calculating component, a staging commission calculating component, a preferential amount calculating component, a withholding upper limit control component, an accounting adjustment component, a loan state conversion component, a risk division registration sub-component and a interest amortization component;
the data component includes:
the data model mapping component is mainly used for mapping the data model component on the data table;
the data operation component is used for converting the data model in the service process and operating a corresponding data table;
the resource assembly comprises:
the database resource component is used for managing various commonly used databases and mainly used for establishing links and controlling transactions;
and the middleware resource component manages the middleware Swift, the Kafka and the Zookper.
Preferably, the software development system further includes: the parameters comprise basic parameters, payment parameters, repayment parameters, interest parameters and charging parameters.
The invention provides an assembly type service based on product modeling to realize software development, so that components required by loan products can be flexibly assembled, the product structure is enhanced, the reusability of various components of the loan products is improved, and the service coupling in the rapid iteration process of the products is solved.
Drawings
The foregoing and other objects, features and advantages of the invention will be apparent from the following more particular description of preferred embodiments of the invention, as illustrated in the accompanying drawings. Like reference numerals refer to like parts throughout the drawings, and the drawings are not intended to be drawn to scale in actual dimensions, emphasis instead being placed upon illustrating the principles of the invention.
FIG. 1 is a flow chart of a software development method of an embodiment of the present invention;
FIG. 2 is a detailed flowchart of a software development method according to a preferred embodiment of the present invention;
FIG. 3 is a block diagram of a software development system architecture according to an embodiment of the present invention.
Detailed Description
The present invention will be better understood and implemented by those skilled in the art by the following detailed description of the embodiments taken in conjunction with the accompanying drawings, which are not intended to limit the scope of the present invention.
As shown in fig. 1 to 3, an aspect of the embodiments of the present invention provides a software development method, including the following steps:
s1: acquiring information of a component library, and calling a component by a user according to the requirement of target software;
s2: querying a component matched with the target software in a component library; if the components required by the target software are completely matched, forming a target software model; if the service components required by the target software cannot be completely matched, performing step S3;
s3: receiving information of the newly added component, and adding the new component in a component library to form a target software model;
s4: receiving the parameter factors and mapping and description of components corresponding to the parameter factors;
s5: and calling out the components matched with the target software in the component library according to the target software model, assembling the target software, and generating a target software installation file.
Before the step of S1, a business person first puts forward a product innovation demand, performs product analysis positioning, analyzes business function composition, product component relationship, and the like.
Regarding step S2, based on the analysis comparison between the analysis result of the service personnel and the existing components in the component library, whether the target software is a basic configuration product (i.e. if the components required by the target software are completely matched) or an innovative product (i.e. the service components required by the target software cannot be completely matched) is analyzed. If the method belongs to the basic configuration type, a new product is directly instantiated in an existing component library, if the method belongs to the innovation type, analysis needs to be carried out on a new functional component, and the following process is continued to be carried out to carry out the step S3. It should be noted that the parameter factor and the parameter are two different concepts.
The step S3 is mainly to create new functional components, the work of the step is mainly embodied on the planning and design of basic products, if the new financial products are not embodied in the existing component classification, the new functional components need to be added in the structure of a component library, namely a new yield increasing item directory structure in various scene structures of the basic products is needed; and if the existing product structure meets the new product requirements, selecting the existing product classification and adding new components.
In a preferred embodiment, the software development method further comprises the steps of: s6: and packaging all the parameters and the data information into a data model, and acquiring an execution sequence by reading the service logic configuration file, and then injecting the data model into a corresponding component for execution. In the prior art, when new software (target software) is developed, if internet loan products (such as borrowing or being slightly full) based on the other party account are subjected to butt joint, the self-simulation account keeping and checking of the other party account keeping mode cannot be rapidly simulated, and quick response cannot be achieved on supervision and control and self-wind control management. The technology of the invention can solve the problem, overcomes the defect that the business is difficult to be compatible with the program design, makes the association of the business logic and the program components generated during the product model design possible, and has important significance on the design concept of the financial loan products. And S7, receiving the test command, testing the target software model and outputting the test result.
After step S7 is completed, the business personnel can configure the saleable products on the post-management system, and then can test the products to be released.
In a preferred embodiment, a component directory is arranged in the component library, the component directory comprises a plurality of categories, and the components are distributed in the component directory according to the categories; in step S3, if no matching category is found in the adding process, a new category is created and then added, which facilitates searching for group price.
In a preferred embodiment, the software is loan software, and the components include a business component, a data component, a resource component, and an accounting component.
The business components include:
an interest rate pricing component to generate a target interest rate;
the payment plan generating component can generate a plurality of payment plans according to different payment modes, such as payment modes of equal-amount interest, standard equal-amount interest, one-time payment due and the like, wherein the equal-amount interest can be the standard equal-amount interest (30) or according to actual days, and the equal-amount ontology can be the standard equal-amount ontology (30 days) or according to actual days;
an allocate repayment amount component for allocating a repayment amount for each time period;
a calculate interest component to calculate an amount of interest generated during the payment;
the penalty calculation component calculates a penalty amount according to a penalty rule;
a calculate advance repayment commission component, if the user selects advance repayment, the advance repayment commission can be calculated;
an installment fee calculating component, which can calculate the installment fee if the user selects installment payment;
the calculation privilege amount component is used for calculating privilege amount;
the upper limit control component for deducting the upper limit value of the fee;
the accounting adjustment component adjusts accounting according to specific conditions;
a loan state conversion component for adjusting the loan state according to a predetermined rule or the user's action;
dividing a risk registration subassembly to generate a risk registration division standard;
a interest amortization component for calculating an interest amortization amount.
The data component includes:
the data model mapping component is used for mapping the data model component on the data table;
the data operation component is used for converting the data model in the service process and operating a corresponding data table;
the resource component includes:
the database resource component is used for managing various commonly used databases and mainly used for establishing links and controlling transactions;
and the middleware resource component manages the middleware Swift, the Kafka and the Zookper.
An accounting component: the system only realizes the function of core system customer account processing, is similar to the accounting function realized in other systems, and the accounting component mainly plays a role in converting system flow into an accounting system model.
According to the model of the target software, the components are assembled into the software through a software assembly engine and an installation package is generated, and when the components are assembled, the automatic assembly of the components is realized through a setting method or a newly-added method for searching the components in the engine.
In a preferred embodiment, the parameters include a basic parameter, a release parameter, a payment parameter, an interest parameter, and a billing parameter. Further, the basic parameters include: product category, product major category, product minor category, product version number, product description, product expiration date, product billing attribution, whether or not to allow for sales, and account mode. The loan parameters include: the method comprises the following steps of maximum payment amount, minimum payment amount, maximum annual rate, minimum annual rate, payment mode, principal payment period, interest payment period, payment day rule, same payment day rule, designated payment day range, first-stage combination rule and first-stage minimum number of days. The payment parameters comprise: whether the payment is withheld in batches, whether the payment is received on the day of payment, whether the payment is allowed to be partially paid in advance, a payment result rule of the payment of.
The invention also provides a software development system, comprising:
the component library is used for storing components;
the component newly building module is used for building a new component according to the requirement of the target software;
the component warehousing module is used for adding the newly generated components into the component warehouse;
the component selection module is used for selecting a proper component from the component library through a visual interface;
the model generation module is used for converting the selected component into a target software model and displaying the target software model through a visual interface;
the parameter factor mapping module receives the parameter factors and the mapping and description of the components corresponding to the parameter factors;
and the component assembly module generates a target software installation file according to the target software model, and comprises a software assembly engine.
Business personnel firstly put forward product innovation requirements, analyze and position products, analyze business function composition, product component relation and the like. And analyzing and comparing the result of the analysis by the service personnel with the existing components in the component library to analyze whether the target software is a basic configuration product (namely, if the components required by the target software are completely matched) or an innovative product (namely, the service components required by the target software cannot be completely matched). If the method belongs to the basic configuration type, a new product is directly instantiated in an existing component library, and if the method belongs to the innovation type, analysis needs to be carried out on a new functional component. And then, creating a new functional component by using the component newly-built module, and adding the new functional component into the component library through the component warehousing module. The work of the step is mainly embodied on the planning and design of the basic product, if the new functional components are not embodied in the existing component classification, the new functional components need to be added in the structure of the component library, namely a new yield increasing item directory structure needs to be arranged in various scene structures of the basic product; and if the component structure of the existing component library meets the requirements of the new functional components, selecting the existing product classification. And selecting required components through a component selection module, and generating a target software model through a model generation module. The parameter factor mapping module receives the parameter factor and the mapping and description of the component corresponding to the parameter factor. And finally, the component assembly module generates an installation file of the target software according to the target software model.
In a preferred embodiment, the software development system further comprises: and the data matching module is used for packaging the parameter information and the data information into a data model, reading the service logic configuration file and acquiring the execution sequence, and then injecting the data model into the corresponding component and executing the data model. In the prior art, when new software (target software) is developed, if internet loan products (such as borrowing or being slightly full) based on the other party account are subjected to butt joint, the self-simulation account keeping and checking of the other party account keeping mode cannot be rapidly simulated, and quick response cannot be achieved on supervision and control and self-wind control management. The technology of the invention can solve the problem, overcomes the defect that the business is difficult to be compatible with the program design, makes the association of the business logic and the program components generated during the product model design possible, and has important significance on the design concept of the financial loan products.
The software development system further includes: and the model test module provides a test result of the target software by testing and analyzing the target software. After the target software is generated, the target software is tested and analyzed through model testing, a test result of the target software is provided, and the target software is optimized according to the test result.
In a preferred embodiment, the software development system further comprises a component management module, which adds the newly added components into the corresponding source code management server according to the category of the catalog; the component library is internally provided with a component directory, the component directory comprises a plurality of categories, the components are distributed in the component directory according to the categories, if the matched categories are not found in the adding process, new categories are created, and then the new categories are added, so that the group price is conveniently searched.
In a preferred embodiment, the components include a business component, a data component, a resource component, and an accounting component;
the business components comprise an interest rate pricing component, a repayment plan generating component, a repayment amount distributing component, an interest calculating component, a fine calculating component, an advance repayment commission calculating component, an installment commission calculating component, a discount amount calculating component, a withholding fee upper limit control component, an accounting adjustment component, a loan state conversion component, a risk division registration sub component and a interest amortization component;
the data component includes:
the data model mapping component is mainly used for mapping the data model component on the data table;
the data operation component is used for converting the data model in the service process and operating a corresponding data table;
the business components include:
an interest rate pricing component to generate a target interest rate;
the payment plan generating component can generate a plurality of payment plans according to different payment modes, such as payment modes of equal-amount interest, standard equal-amount interest, one-time payment due and the like, wherein the equal-amount interest can be the standard equal-amount interest (30) or according to actual days, and the equal-amount ontology can be the standard equal-amount ontology (30 days) or according to actual days;
an allocate repayment amount component for allocating a repayment amount for each time period;
a calculate interest component to calculate an amount of interest generated during the payment;
the penalty calculation component calculates a penalty amount according to a penalty rule;
a calculate advance repayment commission component, if the user selects advance repayment, the advance repayment commission can be calculated;
an installment fee calculating component, which can calculate the installment fee if the user selects installment payment;
the calculation privilege amount component is used for calculating privilege amount;
the upper limit control component for deducting the upper limit value of the fee;
the accounting adjustment component adjusts accounting according to specific conditions;
a loan state conversion component for adjusting the loan state according to a predetermined rule or the user's action;
dividing a risk registration subassembly to generate a risk registration division standard;
a interest amortization component for calculating an interest amortization amount.
The data component includes:
the data model mapping component is mainly used for mapping the data model component on the data table;
the data operation component is used for converting the data model in the service process and operating a corresponding data table;
the resource component includes:
the database resource component is used for managing various commonly used databases and mainly used for establishing links and controlling transactions;
and the middleware resource component manages the middleware Swift, the Kafka and the Zookper.
An accounting component: the system only realizes the function of core system customer account processing, is similar to the accounting function realized in other systems, and the accounting component mainly plays a role in converting system flow into an accounting system model.
According to the model of the target software, the components are assembled into the software through a software assembly engine and an installation package is generated, and when the components are assembled, the automatic assembly of the components is realized through a setting method or a newly-added method for searching the components in the engine.
In a preferred embodiment, the parameters include a basic parameter, a release parameter, a payment parameter, an interest parameter, and a billing parameter. Further, the basic parameters include: product category, product major category, product minor category, product version number, product description, product expiration date, product billing attribution, whether or not to allow for sales, and account mode. The loan parameters include: the method comprises the following steps of maximum payment amount, minimum payment amount, maximum annual rate, minimum annual rate, payment mode, principal payment period, interest payment period, payment day rule, same payment day rule, designated payment day range, first-stage combination rule and first-stage minimum number of days. The payment parameters comprise: whether the payment is withheld in batches, whether the payment is received on the day of payment, whether the payment is allowed to be partially paid in advance, a payment result rule of the payment of.
In a preferred embodiment, the software development system comprises an interface layer, interface information such as interface names, interface calling services and the like is configured through a visual interface, an http or dubbo interface is exposed to receive a service interface of a peripheral system, and the service interface is mainly used for receiving peripheral loan data and assembling service access information.
The software development system also comprises a business transaction layer, the data parameters of all components are configured after the information of a corresponding data model, a business component, a data component, a resource component and the like is acquired through a visual interface linkage product assembly engine, and the execution sequence and the execution conditions form a corresponding business process.
Defining a target software flow: through a visual interface (a self-research interface plug-in, a configuration file can be generated from a flow chart), an interface layer and a business transaction layer of a product are configured, and related flows are formed into the configuration file in an xml format, data in corresponding formats are written into the configuration file by interface definition and the business transaction flows, and the file format is exemplified as follows:
Figure 10000231114
Figure 10000231130
the invention provides an assembly type service based on product modeling to realize software development, so that components required by loan products can be flexibly assembled, the product structure is enhanced, the reusability of various components of the loan products is improved, and the service coupling in the rapid iteration process of the products is solved.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims (10)

1. A software development method is characterized by comprising the following steps:
s1: acquiring information of a component library, and calling a component according to the requirement of target software;
s2: querying a component matched with the target software in a component library; if the components required by the target software are completely matched, forming a target software model; if the service components required by the target software cannot be completely matched, performing step S3;
s3: receiving information of the newly added component, and adding the new component in a component library to form a target software model;
s4: receiving the parameter factors and mapping and description of components corresponding to the parameter factors;
s5: and calling out the components matched with the target software in the component library according to the target software model, assembling the target software, and generating a target software installation file.
2. The software development method according to claim 1, wherein after step S5, the software development method further comprises the steps of:
s6: packaging all parameters and data information into a data model, reading a service logic configuration file, acquiring an execution sequence, and injecting the data model into a corresponding service component for execution;
and S7, receiving the test command, testing the target software and outputting the test result.
3. The software development method of claim 1, wherein a component catalog is provided within the component library, the component catalog including a plurality of categories, the components being distributed by category within the component catalog; in step S3, if no matching category is found in the adding process, a new category is created, and then a new component is added to the new category.
4. The software development method of claim 1, wherein the software is loan software,
the components comprise a business component, a data component, a resource component and an accounting component;
the business components comprise an interest rate pricing component, a repayment plan generating component, a repayment amount distributing component, an interest calculating component, a penalty calculating component, an advance repayment commission calculating component, a staging commission calculating component, a preferential amount calculating component, a withholding upper limit control component, an accounting adjustment component, a loan state conversion component, a risk division registration sub-component and a interest amortization component;
the data component includes:
the data model mapping component is used for mapping the data model component on the data table;
the data operation component is used for converting the data model in the service process and operating a corresponding data table;
the resource assembly comprises:
the database resource component is used for managing various commonly used databases and mainly used for establishing links and controlling transactions;
and the middleware resource component manages the middleware Swift, the Kafka and the Zookper.
5. The software development method of claim 1, wherein the parameters include a base parameter, a deposit parameter, a payment parameter, an interest parameter, and a billing parameter.
6. A software development system, the system comprising:
the component library is used for storing components;
the component newly building module is used for building a new component according to the requirement of the target software;
the component warehousing module is used for adding the newly generated components into the component warehouse;
the component selection module is used for selecting a proper component from the component library through a visual interface;
the model generation module is used for converting the selected component into a target software model and displaying the target software model through a visual interface;
the parameter factor mapping module receives the parameter factors and the mapping and description of the components corresponding to the parameter factors;
and the component assembly module generates a target software installation file according to the target software model, and comprises a software assembly engine.
7. The software development system of claim 6, further comprising:
the data matching module is used for packaging the parameter information and the data information into a data model, and injecting the data model into a corresponding component and executing the data model after reading the service logic configuration file and acquiring the execution sequence;
and the model test module provides a test result of the target software by testing and analyzing the target software.
8. The software development system of claim 6, further comprising a component management module that adds the newly added component to the corresponding source code management server according to a category of the catalog; the component library is internally provided with a component directory, the component directory comprises a plurality of categories, the components are distributed in the component directory according to the categories, and if a matched category is not found in the adding process, a new category is newly established and then added.
9. The software development system of claim 6,
the components comprise a business component, a data component, a resource component and an accounting component;
the business components comprise an interest rate pricing component, a repayment plan generating component, a repayment amount distributing component, an interest calculating component, a penalty calculating component, an advance repayment commission calculating component, a staging commission calculating component, a preferential amount calculating component, a withholding upper limit control component, an accounting adjustment component, a loan state conversion component, a risk division registration sub-component and a interest amortization component;
the data component includes:
the data model mapping component is mainly used for mapping the data model component on the data table;
the data operation component is used for converting the data model in the service process and operating a corresponding data table;
the resource assembly comprises:
the database resource component is used for managing various commonly used databases and mainly used for establishing links and controlling transactions;
and the middleware resource component manages the middleware Swift, the Kafka and the Zookper.
10. The software development system of claim 6, further comprising: the parameters comprise basic parameters, payment parameters, repayment parameters, interest parameters and charging parameters.
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