Middle-and-small-sized enterprise reputation and financing credit standard system for non-face-to-face trading

Abstract

The invention relates to a middle-and-small-sized enterprise reputation and financing credit standard system for non-face-to-face trading. The middle-and-small-sized enterprise reputation and financing credit standard system for the non-face-to-face trading comprises a credit assessment information collection module, a credit rating module, a loan management module, a repayment management module and a default management module. The middle-and-small-sized enterprise reputation and financing credit standard system for the non-face-to-face trading determines the limit of a loan mainly according to assessment, through data accumulated by the middle-and-small-sized enterprise reputation and financing credit standard system, of the reputation of an applicant, carries out integration processing on evaluation records of history trading of a seller and the situation of receivables in a implementation picking system, carries out connection between integrated information and enterprise credit granting systems of banks or other financial institutions, provides loan convenience of flexible loans for the seller, and provides a reliable credit standard for credit agencies. According to the middle-and-small-sized enterprise reputation and financing credit standard system for the non-face-to-face trading, due to the fact that a flexible repayment mechanism is set for repayment of the loans, amortization can be achieved, bullet repayment can also be achieved, the original offline loan mode is replaced by the on-line loan mode, a middle side credit evaluation system is connected with the banks and other financial institutions, diversification configuration of the repayment mode is achieved, and a repayment can be directly deducted to carry out fund settlement through repayment channels.

Description

technical field [0001] The invention belongs to the technical field of electronic commerce, and in particular relates to a non-face-to-face transaction small and medium-sized enterprise reputation and financing credit standard system. Background technique [0002] The core of the problem of financing difficulties for SMEs is that there is no reasonable standard for reliable credit evaluation of SMEs. The core problems of SMEs in financing loans include the lack of effective mortgages and guarantees, low product credibility, and generally poor reputation; As far as bank risk control is concerned, it is difficult for small and medium-sized enterprises to meet the lending standards. At present, there is no complete system that can automatically solve the problem of credit evaluation. [0003] For small and medium-sized enterprises that are likely to meet the loan standard, due to the lack of financial knowledge of small and medium-sized enterprises and the relatively complicat...

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Problems solved by technology

[0003] For small and medium-sized enterprises that are likely to meet the loan standard, due to the lack of financial knowledge of small and medium-sized enterprises and the relatively complicated approval process of banks, applicants spend a lot of time and energy on the application process, and often lead to final failure of lending

[0004] In the existing credit evaluation system, relying on manual management and control of each process...

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