Small and medium-sized enterprise network financing system and method

Abstract

The invention provides a small and medium-sized enterprise network financing system and method. The system comprises a small and medium-sized enterprise information input subsystem, a financing product input subsystem, a credit risk evaluation subsystem, a financing product selection subsystem, a small and medium-sized enterprise financial management subsystem and a small and medium-sized enterprise post-loan risk management subsystem. The small and medium-sized enterprise information input subsystem carries out the input of small and medium-sized enterprise basic information and small and medium-sized enterprise financial information; the financing product input subsystem carries out input of financing product information; the credit risk evaluation subsystem carries out credit risk rating on small and medium-sized enterprises and financing products through a small and medium-sized enterprise credit rating module and a financing product risk rating module; the financing product selection subsystem intelligently selects corresponding small and medium-sized enterprises and financing products; the small and medium-sized enterprise financial management subsystem carries out the input of financial revenue and expenditure data of the post-loan small and medium-sized enterprises; the small and medium-sized enterprise post-loan risk management subsystem carries out post-loan risk evaluation on the small and medium-sized enterprises regularly according to the financial revenue and expenditure data through the small and medium-sized enterprise credit rating module.

Description

Technical field [0001] The invention relates to the technical field of network credit, in particular to a network financing system and method for small and medium-sized enterprises. Background technique [0002] As a key component of economic and social development, small and medium-sized enterprises play an important role in supporting my country's rapid economic growth, solving labor employment and enhancing technological innovation capabilities. At the end of 2011, there were more than 49.9 million registered small and medium-sized enterprises (including individual industrial and commercial households) in my country, accounting for 99.7% of the total number of enterprises in the country, providing more than 80% of urban jobs, completing 75% of national enterprise innovation, and creating total national corporate profits Of 63.3%. However, small and medium-sized enterprises generally have the problem of financing difficulties. This phenomenon has severely restricted the further...

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Problems solved by technology

[0006] In view of the shortcomings of the prior art described above, the purpose of the present invention is to provide a network financing system and method for small and medium-sized enterprises, which is used to solve the problem of providing matching financing products for small and medium-sized enterprises intelligently in the prior art, and after the loan There is no corresponding risk management problem

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