Mcp4ail

An intelligent loan credit management system based on Spring AI MCP, providing complete financial solutions such as customer management, loan products, credit limits, contract tracking, repayment plans, and overdue records.

Finance Customer data platform #Loan Management #Credit System #Spring AI #Fintech .Java

rating : 2 points

downloads : 0

update time : 2025-10-09

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What is MCP4AIL?

MCP4AIL is an intelligent loan credit management system designed specifically for financial institutions. It utilizes advanced AI technology through the Spring AI's Model Context Protocol (MCP) server to provide comprehensive loan management solutions for financial institutions such as banks and credit companies. The system can automate core business processes such as loan application processing, credit assessment, repayment plan formulation, and risk monitoring.

How to use MCP4AIL?

Using MCP4AIL is very simple: 1) Access the web interface after starting the system; 2) Add customer information and loan products through the intuitive management interface; 3) The system automatically generates credit assessments and repayment plans; 4) Monitor loan status and overdue situations in real-time. The system provides a complete API interface to support seamless integration with existing financial systems.

Applicable scenarios

MCP4AIL is particularly suitable for retail credit departments of banks, consumer finance companies, micro-loan institutions, and other financial institutions that need to manage personal loan business. The system supports various loan types, including provident fund loans, tax loans, consumer loans, etc., and can meet the credit needs of different customers.

Main Features

Customer Information Management

Complete customer profile management, including personal information, identification, contact information, etc., supporting multiple types of certificates and customer classifications.

Loan Product Management

Flexible loan product configuration, supporting multiple product types such as provident fund loans, tax loans, and consumer loans, with customizable loan parameters.

Intelligent Credit Assessment

An AI-based credit scoring system that automatically assesses the credit status of customers and generates personalized credit limits and loan conditions.

Loan Contract Management

Complete lifecycle management of loan contracts, from application, approval to signing and disbursement, with full digital processing.

Intelligent Repayment Plan

Automatically generate a detailed repayment schedule, accurately calculate the principal and interest to be repaid each month, and support multiple repayment methods.

Overdue Risk Monitoring

Monitor loan overdue situations in real-time, automatically calculate late fees, promptly warn of potential risks, and support collection management.

AI Intelligent Integration

Intelligent decision support based on the Spring AI MCP server, providing data analysis and prediction functions.

Advantages

Ready to use: The system comes with complete functional modules and sample data, and can be used without complex configuration.

Advanced technology: Based on the latest Spring Boot 3 and Spring AI frameworks, ensuring system performance and scalability.

AI-enhanced: Integrates the MCP protocol to provide intelligent credit assessment and risk prediction capabilities.

Easy to integrate: Provides standard REST API interfaces to support rapid integration with existing financial systems.

Cost-effective: Uses an open-source technology stack to reduce development and maintenance costs.

Real-time monitoring: Provides real-time loan status monitoring and risk warning functions.

Limitations

In-memory database: The H2 in-memory database is used by default, and it needs to be migrated to an enterprise-level database such as MySQL in the production environment.

Function scope: Mainly focuses on loan credit management and does not include the full functionality of a bank's core system.

Deployment requirements: Requires a Java 17 runtime environment and has certain requirements for server configuration.

Customization requirements: Additional development and configuration are required for specific business rules.

How to Use

Environment Preparation

Ensure that Java 17 or a higher version and Maven 3.6.0 or a higher version are installed on the system.

Download and Build

Clone the project code repository and use Maven to build the project and install dependencies.

Start the System

Run the Spring Boot application, and the system will automatically start and initialize the database.

Access the System

Open a browser to access the system's main interface and start using various functions.

Database Management

If you need to view or manage the database, you can access the H2 console interface.

Usage Examples

New Customer Loan Application

A bank customer manager handles a consumer loan business for a new customer. The system automatically completes the processes of customer information entry, credit assessment, and loan approval.

Overdue Loan Monitoring

The risk management department monitors all current overdue loans, promptly identifies high-risk customers, and takes corresponding measures.

Repayment Plan Adjustment

Due to special circumstances of the customer, the repayment plan needs to be adjusted. The system supports flexible modification of the repayment plan.

Credit Limit Query

The customer service department quickly queries the current credit status and available credit limit of the customer.

Frequently Asked Questions

What types of loan products does MCP4AIL support?

How to deploy the system from the development environment to the production environment?

Does the system support multi-user simultaneous operation?

How to expand the AI functions of the system?

Does the system provide an API interface?

How is data security ensured?

Related Resources

Spring Boot Official Documentation

Official documentation and guides for the Spring Boot framework.

Spring AI Project

Official introduction and usage guides for the Spring AI project.

MyBatis Plus Documentation

Chinese documentation for the MyBatis Plus ORM framework.

H2 Database Documentation

Official documentation and configuration guides for the H2 in-memory database.

Project Code Repository

Source code and latest updates for the MCP4AIL project.

🚀 MCP4AIL - System demonstrating MCP Server development

A Spring Boot application that implements a Loan Credit Management System using Spring AI MCP (Model Context Protocol) server. This system provides financial institutions with an intelligent credit management solution for loan processing and customer data management.

🚀 Quick Start

Prerequisites

Java 17 or higher
Maven 3.6.0 or higher

Running the Application

Clone the repository:
```
git clone [repository-url]
cd mcp4ail
```
Build the project:
```
mvn clean install
```
Run the application:
```
mvn spring-boot:run
```
Access the application:
- Main application: http://localhost:9081
- H2 Console: http://localhost:9081/h2-console
For H2 Console access, use the following connection settings:
- Driver Class: org.h2.Driver
- JDBC URL: jdbc:h2:mem:testdb;MODE=MySQL
- Username: sa
- Password: (empty)

✨ Features

Customer Management: Complete customer information tracking with unique identification
Loan Product Catalog: Management of various loan products (Housing Fund Loan, Tax Loan, Consumer Loan)
Credit Line Management: Customer-specific credit limits and available balances
Contract Management: Detailed loan contract tracking with principal and interest calculations
Repayment Planning: Automated repayment schedule generation with monthly breakdowns
Overdue Tracking: Comprehensive overdue record keeping with penalty calculations
H2 Console: Built-in database administration interface

📦 Installation

The application is configured via application.properties with:

Server running on port 9081
MCP server named 'loan-credit-server'
H2 database with console enabled at /h2-console
Database schema and sample data initialization

💻 Usage Examples

Basic Usage

The application provides a user - friendly web interface. After starting the application, you can access it at http://localhost:9081 to manage loan credit data.

Advanced Usage

For developers, they can further customize the application by modifying the code in different packages of the project structure. For example, modify the business logic in the service package or add new REST API endpoints in the controller package.

📚 Documentation

Overview

MCP4AIL is a financial loan credit management system built with cutting - edge Spring technologies. It serves as both a demonstration of Spring AI MCP capabilities and a functional credit management platform. The application features:

MCP Server Implementation: Leverages Spring AI's Model Context Protocol server for AI - enhanced financial operations
Financial Data Management: Comprehensive management of customer information, loan products, credit lines, loan contracts, repayment schedules, and overdue records
Modern Tech Stack: Built with Spring Boot, MyBatis Plus, and Spring AI
Database Integration: Uses H2 in - memory database with MySQL compatibility mode
Web Interface: Thymeleaf templating for dynamic web content

Project Structure

src/main/java/com/gientech/agentops/mcp/
├── controller/     # REST API controllers
├── entity/         # Domain entities
├── mapper/         # MyBatis Plus mapper interfaces
├── providers/      # MCP providers
├── service/        # Business logic services
└── Mcp4ailApplication.java

Technology Stack

Java 17 - Core programming language
Spring Boot 3.5.6 - Application framework
Spring AI - AI integration framework with MCP server
MyBatis Plus - Advanced ORM framework
H2 Database - In - memory database with persistent schema
Thymeleaf - Server - side Java template engine
Lombok - Code reduction library
Maven - Build and dependency management

Database Schema

The system includes the following core tables:

customer: Customer information (name, ID type, ID number, contact details)
loan_product: Loan product definitions with codes and descriptions
customer_credit: Customer - specific credit limits and availability
loan_contract: Loan agreements with amounts, dates, and statuses
repayment_plan: Scheduled monthly repayments with interest/principal breakdowns
overdue_record: Historical records of payments and penalties

Sample Data

The application ships with comprehensive sample data for immediate testing:

3 customers with various identification and contact information
3 different loan products covering consumer, tax, and housing fund loans
Multiple credit lines with varying limits
5 loan contracts with different terms and balances
Repayment schedules for 2024 and 2025
Historical and projected overdue records

MCP Server Configuration

The application implements Spring AI's Model Context Protocol server with:

Server name: loan - credit - server
Version: 1.7.0
Protocol: STREAMABLE
MCP endpoint is configured for AI integration

🔧 Technical Details

The application uses Spring Boot as the main framework, which simplifies the development process and provides a lot of built - in features. Spring AI is integrated to enhance the financial operations with AI capabilities through the MCP server. MyBatis Plus is used as an ORM framework to simplify database operations. The H2 in - memory database is used for quick development and testing, and it has MySQL compatibility mode.