Big data based small- and mini-size enterprise small financial transaction method

Abstract

The invention discloses a big data based small financial transaction method for a small- and mini-size enterprise. Circulating operation data and a credit file of the small- and mini-size enterprise are established in a financial mechanism. After the financial mechanism receives enterprise loan application, loan qualification is checked in sequence and loan limit is calculated, and then financingfunds including multiple forms of small- and mini-size enterprise fund, mortgage loan, credit loan, gains right based raised fund, stock based raised fund and risk based raised fund and the like are delivered. In a loan execution process, the guarantee value and enterprise operation data are checked regularly according to a loan contract and loan repayment risk evaluation and operation risk evaluation are implemented. After loan payment is completed, the circulating operation data and the credit file of the enterprise are updated. Therefore, a technical aim of reducing check and evaluation period and realizing quick loan delivery through comprehensively employing multiple financial means including mortgage, credit, venture investment, stock and the like and fully utilizing internet and bigdata means at the same time during the loan process of the small- and mini-size enterprise is achieved.

Description

technical field [0001] The invention relates to the technical field of financial services, in particular to a small-amount financial transaction method for small and micro enterprises based on big data. Background technique [0002] At present, small short-term loans for individuals or small businesses are not only difficult and slow to lend, but also have high interest rates. Many Internet finances have emerged, followed by irregular procedures, high-interest savings, unsecured lending, and accumulated financial risks. In the final analysis, it is due to the failure to make full use of various financing methods such as mortgage, credit, venture capital, and shares, and to not fully activate the enthusiasm for small capital investment. Contents of the invention [0003] In order to overcome the above-mentioned deficiencies in the prior art, the present invention provides a small-amount financial transaction method for small and micro enterprises based on big data, by estab...

AI Technical Summary

Problems solved by technology

[0002] At present, small short-term loans for individuals or small businesses are not only difficult and slow to lend, but also have high interest rates. Many Internet finances have emerged, followed by irregular procedures, high-interest savings, unsecured lending, and accumulated financial risks. In the final analysis, it is due to the failure to make full use of various financing methods such as mortgage, credit, venture capital, and shares, and to not fully activate the enthusiasm for small capital investment.

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