本系统分为服务器端和客户机端两个部分，银行支行服务系统为客户机端，银行总行为服务器端。客户机和服务器通过网络进行通信。支行机端通过网络把申请贷款的用户信息（姓名，性别，身份证号码，贷款种类，申请贷款时间，贷款金额等）传输到服务器，服务器程序通过对数据库的查询来为用户处理贷款申请，确定申请方法，贷款的额度和期限，贷款发放和贷款偿还等问题，并把处理结果传输到支行客户机端。-the system is divided into server and client side in two parts, and bank branches to service system Client, Bank acts server. Client and server communication via the Internet. Machine-branch network through the loan application user information (name, gender, identity card numbers, types of loans, time to apply for a loan, the loan amount) transfer to the server, server through queries in the database for users to handle loan applications, determine that the application, the loan amount and duration, loans and loan repayment problems, and the results transmitted to the Client's branches.