Method and device for determining credit lines of small and micro enterprises

Abstract

The invention provides a method and a device for determining credit lines of small and micro enterprises, which can be used in the financial field or other technical fields. The method comprises the following steps: acquiring credit line applications of small and micro enterprises, wherein the credit line applications comprise enterprise information of the small and micro enterprises; acquiring electricity utilization information of the small and micro enterprises according to the enterprise information of the small and micro enterprises; correspondingly sending the enterprise information and the electricity utilization information of the small and micro enterprises to a target bank system, so that the target bank system determines the credit lines of the small and micro enterprises according to the enterprise information and the electricity utilization information of the small and micro enterprises. According to the method and the device for determining credit lines of small and micro enterprises provided by the invention, the whole-line credit line calculation method based on electric power data of the small and micro enterprises is realized, the problem of long time spent on manual evaluation of the credit lines is solved, the bank business handling efficiency is improved, the credit line calculation is performed by using the electric power data, and a new way is provided for financing of the small and micro enterprises.

Description

technical field [0001] The present invention relates to the financial field or other technical fields, and in particular to a method and device for determining a credit line for small and micro enterprises. Background technique [0002] In the small and micro enterprise loan business of inclusive finance, the credit line of small and micro enterprises is generally investigated by the bank account manager on the operating conditions of the small and micro enterprises, the operating flow, the credit status of the small and micro enterprise owners, and the repayment ability (offline Investigation: Banking personnel carry out interviews, data verification, on-the-spot inspections, etc.) and risk assessment calculations to obtain the credit line based on the relevant information of the loan applicant and its operating company. [0003] However, the existing method for calculating the credit line of small and micro enterprises requires a large workload of offline manual investigat...

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Problems solved by technology

[0003] However, the existing method for calculating the credit line of small and micro enterprises requires a large workload of offline manual investigation and takes a long time for the investigation, which not only increases the workload of branch account managers, but also affects the efficiency of financing business processing, affecting inclusive small and micro enterprises. Growth rate of financial business

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