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.