The Design And Implementation Of SMEs Internet Credit System

At present, small enterprises of all sorts of system of ownership and form of organization and individual business households in China have become an important part of the national economy. But small business loans in commercial banks have been classified as a type of business of high risk, difficult management and of high cost. For a long time, small enterprises’ development is persecuted by the difficulties in financing, loans and settlement, which has caused widespread concern in society. In the author’s view, financial institutions which plays an role of Regulating economic lever should assume social responsibility and make due contribution to solve the difficult problem of small business loans. The main difficulty of small enterprises loan is due to the identification of small businesses, therefore, it is very necessary to set up a small business credit management recognition system, meanwhile, it is also the objective the commercial banks themselves need improve.The customer-focused idea and the risk-benefit balance system together with credit risk management are at the core of the system, It also have to meet the need of credit intensive operation and standard management and in turn to accomplish the standardization and mass production of small enterprise credit transaction. An integrated management system should be applied to the credit business flow, cash flow and information flow. Dynamic monitoring should be carried out among the small business logistics, mortgages and pledges. The key concept is to realize the management of the "workflow". This system will be applied among various apartments, and many posts, like customer manager, risk managers and Business main responsible persons would be involved in. In order to achieve the desired setting application goal, the basic requirement is to let the system work, to accomplish integrated applications, and to establish perfect data system and information sharing mechanism. The final goal is to Realize the E-Management of credit business and the management, guard the credit risk, standardize the credit operation, assist the management decision, improve work efficiency, promote business development, reduce management costs, optimize the allocation of resources, and improve the efficiency of credit funds. At the same time, according to the characteristics of small enterprises, the author of the thesis designs a credit management system that meets the characteristics of small enterprise credit transaction. the basic goal of the present study is to distinguish SMEs Internet Credit System with the relatively mature Large and medium-sized enterprise credit management system.