Risk Assessment System Of Small And Medium-sized Enterprise Financing Through The Internet

The rapid development of the Internet makes the financial industry shows a new form,Internet banking has become the nowadays popular topic,the high degree of integration of information technology and financial products,making financing,including all kinds of financial services began the highly Internet electronic,gave birth to the online banking,mobile banking and so on a large number of electronic financial products,for small and micro enterprises through the Internet platform to find new financing channels to promote role,has formed the financial also promote the development of the Internet and benefit on the benign mutual pattern of the development of the Internet.Through investigation and study,literature summary,empirical analysis and so on many kinds of research methods summed up the current small and medium-sized micro enterprise Internet online financing activities and the corresponding risk evaluation system characteristics,think small and medium-sized micro borrowers through the Internet platform for financing activities and related management system development are in a period of rapid development.At the same time,it elaborated the small and micro enterprises through Internet financing risk causes,respectively technical risk for small and micro borrower's own existence caused by management and innate quality risk,Internet technology with each passing day brings were detailed analysis,and based on this proposed established according to the principles and ideas of the risk evaluation system of the borrowers of small and micro enterprises,namely the comprehensiveness,the principle of operation,a combination of qualitative and quantitative by constructing include the external market dimensions "borrowers own quality dimension" "third party qualification evaluation dimension of" three dimensions,including risk dimension system.Under the above guiding principles and ideas,through reference mature risk evaluation system of financial institutions,professional team of experts under the guidance of,a lot of investigation and documents and field visits and other work,proposed three basic dimensions,8 level menu,14 second level menu,33 the three menus,47 four menu totaling 105 size indicators of a complete evaluation system,and strive to complete through the perspective of the Internet pure online small micro enterprise risk assessment.