Keywords
Small and micro enterprises
Instant approval and loan
Credit risk
Assessment system
Submitted : 2026-05-04
Accepted : 2026-05-19
Published : 2026-06-03
Abstract
The “instant approval and loan” for small and micro enterprises relies on fintech to achieve fully online and automated credit approval processes, greatly accelerating the financing speed. However, there are numerous credit risks such as data, technology, market, operational, and legal compliance risks. Based on practical scenarios, this paper defines the core connotation of this model, analyzes the specific manifestations of five core risks, and finally constructs a feasible credit risk assessment system from four dimensions: financial status, operational capacity, credit history, and market environment. This provides practical paths for financial institutions to optimize risk control and ensure the stable operation of their businesses.
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