Method and device for realizing loans of small and micro enterprises

Abstract

The embodiment of the invention provides a method and device for realizing loan of small and micro enterprises. The method comprises the steps that based on credit granting application information filled by small and micro enterprise users, the credit rating of the small and micro enterprise users is determined, the small and micro enterprise users with the credit rating ranked in front of a preset threshold value are determined as high-quality small and micro enterprise users, and the result of determining the high-quality small and micro enterprise users is sent to a financial institution service system; receiving a result of official credit auditing on the high-quality small and micro enterprise user by the financial institution service system; and an electronic payment platform is connected with a financial institution service system, and advance payment is carried out on a freight station income account provided by a high-quality small and micro enterprise user passing formal credit auditing. According to the invention, the high-quality small and micro enterprise users are screened out according to the credit rating, the general financial financing service is provided for thehigh-quality small and micro enterprise users, the bank risk is reduced, physical pledge and pure credit loan are not needed, the whole online operation is realized, the process is short, the threshold is low, the procedure is simple, and the timeliness is strong.

Description

technical field [0001] The invention relates to the technical field of Internet finance, in particular to a method and device for realizing loans to small and micro enterprises. Background technique [0002] The development of the innovative model of "Internet +" has brought people a convenient life. For example, services such as payment, transfer, recharge and wealth management provided by the innovative model of "Internet + Finance" have entered the homes of ordinary people. [0003] At present, corporate loans, including small and micro enterprise loans, are mainly offline loans. When an enterprise user initiates a loan application to the bank, it needs to pledge the physical substance to the bank, and the bank reviews the loan application and the value of the pledge of the enterprise user. After the loan application and the corporate user's pledge are approved, the bank will lend money to the corporate user. If a large number of enterprises apply for loans, the bank w...

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present invention provides a method and device for realizing small and micro enterprise loans, which are used to solve the problem that offline loans can only solve the problem of capital turnover difficulties of some enterprises, and offline loans need to be pledged to the bank, which has a long process and complicated procedures. It is impossible to realize special funds for special use, and it is easy to have problems such as financing fraud risks

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